Investment XXL – Real Estate, Stock, Gold, Cars, Arts & Co

Capital investment – 1.000 Dollar, 10.000 Dollar, 100.000 Dollar, from when is it worthwhile to invest in real estate, shares, funds, overnight money, cars and art? Consumers can use different possibilities to invest capital. There are many mistakes. Therefore, investors should know in advance what risks they actually want to take. For the final selection of the individual investment, it is important to know how much capital you want to invest. Did you already know? Real estate can offer additional tax advantages when investing capital.

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Types of investment and alternatives

Where can 1,000 to 100,000 dollar be invested to get the top results? There are many different ways in which savers can invest their money. Which forms of investment are suitable for short, medium and long-term investment? There are many more questions! What does investment in real estate mean? How do you calculate the return on a property? What is a safe investment? Is real estate a good investment? We start with the simplest forms: Saving money. Later we also come to topics such as cars, safe investments like real estate and speculative investments like art.

Investment Portfolio: Asset diversification

Anyone who has learned from the past, from economic crises to currency fluctuations and inflation, should diversify their capital in such a way that even in uncertain times, a certain degree of freedom and mobility is maintained, that is:

  • 1/3 Fixed-income assets/securities
  • 1/3 Real estate
  • 1/3 Mobile material assets, e.g. diamonds

Savings book – The classic

The savings book offers, especially for young people, a good start through the mental obligation to regularly deposit money. The big disadvantage is that interest rates are currently low, even close to zero.

The classic savings book is suitable for continuous asset accumulation. You regularly pay your monthly savings contribution, for example through your salary. Often the account management is free of charge and every dollar deposited earns interest, albeit small

A savings account is easy to set up for just about everyone. With the way to the bank or the on-line mechanism over a direct bank, for each saver possible, flexible availability of the capital very small capital yields very low nearly none. The yield of savings books is very low and therefore there is almost no risk. Savings books are easy to set up, possible for every saver, flexible availability of capital. But there are also disadvantages of passbooks such as very low returns on investment.

Facts about the passbook

The 3 most important facts about the savings book:

  • possibility to invest the first capital stock
  • no (extremely low) default risk
  • available for everyone

The savings book offers a secure investment and is a good option, without risk, especially for people who want to build up their first small capital stock.

Read more about the simplest form of investment, the passbook.

Fixed-term money – binding term and yield

Money that you do not need to access for the next 1 to 3 years can be invested in a term deposit account. The longer the term, the higher the interest.

Fixed-term deposits offer the advantage of easy set-up, stable interest rates and various maturities are selectable early termination is often not possible, termination is only possible for a fee. The risk assessment of fixed-term deposits is therefore low compared to the investment alternatives. However, the current yield of fixed-term deposits is just as low due to the current interest rate situation as is the risk – a trade-off that every saver must weigh up for himself. Therefore, just like a savings book, a fixed-term deposit is easy to set up, it offers stable interest rates and you can choose different maturities. Conclusion: Many advantages, little return.

Facts about the time deposit

The 3 most important facts about time deposits:

  • For capital that is not essential needed
  • Obligatory term (previous exit only with losses)
  • Fixed return after time

Overall, fixed-term deposits are suitable for people who can do without part of their capital for a certain period of time. This is invested with a fixed term, in return for which you receive a fixed return.

Binding term and yield, read more about saving with a fixed-term deposit

For those who want to calculate their possible interest payments themselves, there are very simple formulas available for calculation. The two most important are these:

Interest per year:

Interest per year = (investment capital x interest rate) / 100

Interest per day:

Interest for t days = (investment capital x interest rate x t) / (100 x days per year)

Daily allowance – flexibility and security

Overnight money is absolutely easy to set up, often the offer is included ready in the opening of the account. Your deposited capital is available at any time, unlike investing in a fixed-term deposit account with a binding term. For the start with overnight money you need only a small investment income or income.

Due to the current interest rate development, as will be seen later in the statistics, the increase of capital via overnight money is only worthwhile from very large amounts of money. In return, you have a very low, almost no risk in your capital investment. The current return on overnight money is very low as described, which is little to no risk, but you will hardly make any profit. Overnight money is like time deposits and savings books easy to set up in many bank branches and of course online. Your capital is always available.

Facts about the overnight money

The 3 most important facts about the daily allowance:

  1. Available for everyone
  2. Constant availability of your money
  3. Low return

Overnight money is a flexible reserve option for small savers. You can fall back on your money at any time, but the returns are more moderate than with a time deposit.

Current interest rates and more: call money.

Overnight money comparison: Interest rate development from 120+ banks

The basis of the interest rate statistics are currently 12 tested overnight deposit accounts, which you will also find in all overnight deposit comparisons.

  • 2008 by 4.15%
  • 2010 by 1.12
  • 2012 by 1.22%
  • 2014 by 0.39%
  • 2016 by 0.12%
  • 2018 by -0.03%
  • 2020 by -0.08%

Deposits rise despite falling interest rates

How do interest rate developments relate to the amount of deposits? As we have already noted with regard to the savings book, this is mainly due to the scepticism of savers, towards the stock market and the economy.

In general, one should be able to assume that the current fall in interest rates, which is dependent on the interest rate situation, will lead to a corresponding fall in interest among savers.

However, as the chart shows, this is not necessarily the case, as a glance at the infographics below shows. In the chart you can see how the interest rates on overnight deposit accounts have been falling steadily since the beginning of 2012, but the amount of deposits of private households with daily maturity almost always increases.

More facts and figures about overnight money.

Direct comparison – savings book, overnight and time deposits

daily allowance fixed income savings book
Possible interest from 0 to 0,50 % From 0.001 to 1.97 % 0.1 to 1.97 %
investment amount 1 to unlimited 1 to unlimited 1,000 Dollar to unlimited
Installation time unlimited 30 days to 10 years 1 to 10 years
security at least 100,000 dollar through the statutory deposit insurance (S&P country rating to be observed) at least 100,000 dollar through the statutory deposit insurance (S&P country rating to be observed) at least 100,000 dollar through the statutory deposit insurance (S&P country rating to be observed)

Building society contracts – house purchase, construction and conversion

When you save with a building society, you benefit from various support options such as premiums from the state. You can use your bauspar contract for the construction, purchase or conversion of a house. However, a bauspar contract is also interesting for real estate owners, for example to finance modernization measures. The respective costs depend strongly on the provider. Read more about bauspar saving here.

Procedure and phases – The strengths of a building society contract lie in its fixed planning capability. A bauspar contract consists of two phases, the saving and the saving phase. With a bauspar contract you first save about half of the planned bauspar sum (see bauspar calculator), the other half is then available as a loan at a fixed interest rate.

As already described, there are many questions, ranging from what is the savings phase and how long is the term of a savings agreement to what is meant by a savings agreement? But the advantages and disadvantages are also important for many people who want to start saving. What are the advantages of a bauspar contract?

No equity capital necessary – the highlight of every bauspar contract is that it can be used without any equity capital at all. It can be set up anywhere, locally in branches but also online in comparison portals.

The disadvantage, the payout is bound to strict regulations, the risk of default is extremely low, especially with old contracts. Did you already know? It is possible to convert building society contracts into capital investments by paying premiums – but this advantage is usually limited to the old contracts just mentioned. Unfortunately, such contracts are hardly offered anymore with the current interest rate situation. The current yield of bauspar contracts is average.

Facts on building saving

The most important 3 facts about the building society contract:

  1. No equity capital required
  2. Support through premiums from the State
  3. Earmarked (according to strict regulations) for house construction, purchase and reconstruction

Building society savings really pays off for everyone. The conclusion is simple, the plan has a clear goal. No matter whether it is rent-free living or old-age provision, building saving is a real must in order to build up equity.

Read more about bausparing here.

Real estate – capital investment and retirement provision

The great advantage of real estate as a capital investment is its long-term value and, in addition, the corresponding increase in value in a good location. If you are looking for an exclusive property, you do not need a normal broker but a luxury realtor with specific knowledge and a good network. Many of these objects will never appear in the usual real estate portals.

Another advantage in the current interest rate situation, the investment of capital is possible through cheap loans with favorable financing – according to the motto, if not now, then when? Of course, there is also the option of tax advantages, but these should be discussed and planned with an experienced real estate agent or tax consultant. Read more about capital investment real estate here.

Real estate overview: Risk assessment

The most popular are

  • Plots of land
  • Condominiums
  • Private homes
  • Pure and semi-detached houses
  • Retirement home

The risks and disadvantages include the complex effort involved in buying and selling real estate. From collecting the documents to the viewing appointments and the negotiation phase or the purchase contract.

The increase in value is strongly dependent on the location, as describe.  In addition, as a property owner you will have responsibilities as a home owner and property manager if you do not outsource the service to a company. To get started in real estate, you usually need a lot of equity, depending on various factors.

The return on property is average, with a high tendency for good properties in attractive locations. The local increase in value of any property, whether it is a condominium or a home of your own, depends strongly on the location. Prices literally explode in cities like Munich and Hamburg. The risk as well as the return on real estate is medium to high, depending on the various factors mentioned. Real estate offers long-term value, which is its great advantage, also for investors who are thinking about retirement provisions.

Facts about real estate

The 3 most important facts about real estate as an investment:

  1. Requires a lot of equity from the saver
  2. Long-term capital commitment
  3. Requires know how when buying (object, location, etc.)

Real estate is advisable for laymen, like stocks, at the first purchase only with the help of experts (e.g. real estate agents). It is a long way from the first research to the inspection and the purchase contract as well as the subsequent property management.

Read more about capital investment real estate.

The question as to which capital investment is the most lucrative cannot be answered in a blanket way. Depending on the amount of investment and personal goals, the search for the best capital investment is more or less difficult. The fact is, however, that the right investment with a suitable return brings with it a worthwhile increase in value and has many advantages for the investor.

Procedure and selection process

This is how you buy real estate:

  1. Keep a cool head when buying property and don’t let personal feelings guide you.
  2. Always let him show you a sample calculation of the yield of the property and question the assumptions.
  3. Compare the return on your property purchase with that of other investments.
  4. 4Take advantage of the competition among the providers of construction financing.

Invest money in real estate

Real estate as a capital investment becomes very attractive for many investors, especially at the current low interest rates, and offers many advantages for long-term investment and value enhancement. We give you the most important tips:

  1. Key figures
  2. Land as an investment
  3. Semi-detached houses and apartment buildings
  4. Buyer tips

And much more you can find now in the article “Real estate as a capital investment?

Equities – risk and return

Access to shares is easy for everyone, online or in the bank branch. Every bank offers such accounts, some also charge custodian fees. Read more about buying and selling shares here.

For laymen there is always a risk, because the trade is confusing. Stock market tickers, news, tweets, many things influence prices and developments. The (daily) trading with shares requires competence and experience. In case of speculations, high losses are possible immediately. This means that the risk, but also the loss in case of doubt, is medium to high. If you want to start trading more safely, you should use ETFs. Where there is shadow, there is sun. For example, the returns on shares are just as medium to high compared to traditional investments such as savings books, time deposits or overnight money. You can read more about this in our articles on equities and index funds (ETF).

Facts on shares

The 3 most important facts about shares as a capital investment:

  1. Know how required
  2. High risk (even complete failure possible)
  3. Purchase fees must be taken into account in the volume

Equities offer great returns, as we also show in the dividend payout in the example on our article. It is only important that you take a close look at shares before you make your first purchase. We tell you what you need to consider in the first steps.

Read more about buying and selling shares here.

Is it worthwhile buying shares?

Anyone who holds shares for a longer period of time will receive dividends at the end of the financial year, if they are successful.

271.1 % Increase in dividends in 15 years

In this diagram, you can see very impressively how dividends are rising year after year, billion after billion. This is the development of the dividend payments of DAX companies in the years from 2003 to 2019 (in billions of dollars). The leap from 2004 to 2019 alone, i.e. 15 years, resulted in an additional annual payout of 27.8 billion dollars. This represents an increase of 271.15 % over the previous year.

Read more here and look at the statistics that show the extreme rise in profits in the stock market: Stock trading.

Funds (ETF) – Less risk and return

ETFs are bundled shares, which reduces the risk (default, profit and loss peaks). The A&O in the balancing process. ETFs are linked to fixed terms. Read more about safe investment in funds here.

Funds, like shares, must be set up at every bank. Different investment portfolios are possible and thus a corresponding gradation according to the risk appetite of the individual investor is possible. Of course everyone knows the tax advantages that are possible with capital transactions. Due to the large selection of fund products you can spread the risk well.

Each purchase and the fund management costs fees. Your capital is tied up for the long term, dissolution is only possible with loss before the end of the term.

The current return of funds is medium (compared to the investment alternatives) and the risk of funds is absolutely manageable.

Facts about funds

The 3 most important facts about funds as capital investment:

  1. Binding maturity (earlier exit associated with losses)
  2. Minimized risk through bundled individual values
  3. Purchase fees must be taken into account in the volume

For those who can save money, funds are an excellent alternative to individual shares. Bundled funds are less sensitive as they contain many players that are more stable overall. Returns are correspondingly more moderate than for equities, but as you can quickly see in our best practice of dividends, it is worth investing in. In the last 15 years alone, dividends have tripled, from 2004 to 2019, which is 15 years, bringing an additional annual payout of 27.8 billion dollars. An increase of 271.15 % over the previous year.

Read more about safe investment in funds here.

Shares & Funds – Tips for your first purchase

If you are interested in buying an ETF, you will find many different pricing models on the internet. Here the individual prices per trade depend on the online broker. The standard fees are usually five to eight, maximum ten dollars. There is also a fee of 0.25%, depending on the amount traded. The fee per purchase is typically limited to an upper maximum amount.

First purchase: 100, 1,000 or 10,000 dollars ?

Another unbeatable advantage in fund trading, even with small investment amounts you can get in. When investing in real estate, you have to present 10% – 20% equity capital to the bank, which in large cities such as Hamburg, Berlin, Munich and Cologne can quickly amount to 50,000 – 100,000 Dollars. Investing in equity funds is often worthwhile at only 10% of the sum, about 5,000 – 10,000 dollars per package.

Why should you not buy smaller packages? There is an order fee for each trade. If you buy a package for 100 Dollars, many banks charge an order fee of 5-8 Dollars directly. Accordingly, your portfolio will shrink directly to 92-95 Dollars. This means that you have already made the first 5-8 Dollar loss, which a corresponding rise in the price of the fund must first offset. That means, directly at the purchase 5% – 8%

Loss of value.

Purchase of 100 Dollar Ø 6.5% loss
plus 0.25% trading fee

If you buy a package of 1.000 Dollar, the trading fee of our exemplary 5-8 Dollar is already much less important. With a purchase of 1.000 Dollar you keep 992-995 Dollar in value. Accordingly, the loss in value is reduced to only 0.5% – 0.8%.

Purchase of 1.000 Dollar Ø 0.65% loss
plus 0.25% trading fee

With a package of 10,000 dollars and an order fee of 5-8 dollars, the loss in value is directly reduced to 0.05% – 0.08%.

Purchase of 10,000 Dollar Ø 0.07% loss
plus 0.25% trading fee

Therefore it is worthwhile to buy larger packages directly.

In addition, there is the previously mentioned purchase fee of about 0.25% of the traded package.

Of course, the administration fee for your portfolio is just as favourable. The more value you hold, the smaller the effect on your portfolio.

You can find more interesting facts here:

  • Stocks
  • Funds

Bonds – yield and rating

Government bonds, or treasury bonds, are usually available in the local currency. In contrast to treasury bills (2 years), German Government securities have a relatively long maturity. This maturity is for example 10 or even 30 years. Read more about government bonds as capital investments here.

So when you buy a government bond, you are an investor lending money to the state. This bond is granted for a fixed period of time. In return, you as a lender receive a fixed interest rate, so-called coupons. The nominal value of a bond usually remains the same over the entire period.

Facts on government bonds

The 3 most important facts about government bonds as a capital investment:

  1. Government bonds are used to finance government spending, so you lend money to the government when you buy bonds
  2. Government bonds pay a fixed interest rate annually to the investor, the so-called coupon
  3. The interest rate and price of the government bond issued is based, for example, on the current creditworthiness of the issuing country.

Government bonds are a safe bank for money. Whoever deals with the current inflation sees quickly, government bonds currently bring no returns.

Read more about the topic Government Bond here

Yield with 10-year maturity

Yield on ten-year government bonds of selected countries worldwide in October 2019.

Positive interest income

  1. USA with 1.7
  2. Greece with 1.34
  3. Italy with 0,92 %.
  4. Spain with 0,22 %.
  5. Portugal with 0,19
  6. Ireland with 0.02

Negative interest income

  1. Germany with – 0.45
  2. Luxembourg with -0.39
  3. Netherlands with -0.3 1%
  4. Austria with -0.2
  5. Finland with -0.2
  6. Japan with -0.16
  7. France with -0.14
  8. Belgium with -0.14%

Precious metals – gold, silver, platinum & palladium

Gold, silver, platinum & palladium and the current price – here you will find everything about precious metals as an investment. Gold in particular is regarded as the investment form during and outside of crises. Did you already know? The purchase of investment gold is exempt from VAT. Current prices, tips and more on the subject under precious metals as a capital investment.

Precious metals can be used as an investment form by the investor without much know-how (an exception is silver).

In contrast to investments such as vintage cars or art, a concrete value is tangible and is determined daily on the world’s stock exchanges. Investors only have to follow the current share price. But be careful: high fluctuations in the price of gold (and other precious metals) are also possible here, so the risk is medium to high (for example with silver).

The return is medium, depending on the price development. The yield of precious metals is medium to high, depending on the price development, as is the risk of precious metals. Precious metals are an attractive form of investment worldwide. It can be used at short notice, without great know-how. Through stock exchanges and trading, concrete values are always within reach. You as investor only have to follow the share price. Of course there are also risks with precious metals as well as the generally high fluctuations, as known from the gold price.

Facts on precious metals

The 3 most important facts about precious metals as a capital investment:

  1. Gold is mainly bought in times of crisis, so the price development is often contrary to the stock prices (accordingly predictable)
  2. Platinum is particularly rare and valuable (as seen in cars as an investment or in art as an investment, rarity is a top indicator), accordingly palladium is such an interesting substitute
  3. Palladium is very interesting because it can replace platinum in the industry

The big advantage of precious metal is that you can always follow the current prices and thus have a solid assessment of value and appreciation (when looking at the current prices and also history)

Current prices, tips and more about gold, silver, platinum and co. under precious metals as a capital investment.

Diamonds – Valuation & Certificate

Diamonds offer protection against inflation, bank failures, stock market crashes and currency reforms. Not only that, anonymity also plays a major role for many investors. There is no registration of the investor for diamonds, no state access. Diamonds are not only anonymously obtainable for buyers, they also offer the unbeatable advantage that they are easily convertible worldwide. Safe or not? Diamonds as a capital investment.

Cartier jewelry (even the finest particles are used):

Did you know? Diamonds are the only internationally recognized substitute currency that is valued equally in all countries.

Every diamond is unique. They can be the same size, but have extremely different values. The quality is measured by the 4C of diamonds. This means that differences are formulated by “Carat, Color, Clarity and Cut”. They determine the quality and value of the diamond. As soon as you decide to actually buy diamonds, the tax-free increase in value also plays a role (take a look at our statistics on increase in value later). The tangible asset without maintenance costs is free of maintenance costs, provided that safekeeping is solved.

Facts on precious metals

The 3 most important facts about precious metals as a capital investment:

  1. Protection (inflation, bank failures, stock market crashes and currency reforms)
  2. Anonymity of the buyer
  3. Global convertibility

Diamonds are an excellent choice as part of your own portfolio. As we have already described in the introduction of the article, a good portfolio should consist of one third each of fixed-interest investments or securities, real estate and mobile tangible assets, such as art, designer fashion or even diamonds.

Safe or not? Diamonds as a capital investment.

Jewellery – value investment

Jewellery is extremely different. On the one hand, there is the well-known costume jewelry from the city centers and from online mail order companies. Even at the beach promenade around in the supermarket there is costume jewelry to buy. On the other hand there are special and exclusive pieces from brands like Cartier, Chaumet, Bvlgari, Patek Philippe, Rolex and Tiffany. Read more about jewellery as an investment.

The rarer a piece is, the more expensive it can become. High-quality jewellery should only be bought from renowned jewellers. If in doubt, you should commission a value appraisal before buying the desired pieces. But under what circumstances is it worth investing in jewellery?

Facts about jewellery

The 3 most important facts about jewellery as an investment:

  1. Equity capital required (entry 5 to 6 digits)
  2. Moderate, long-term return (stable to slightly rising) / commitment if desired
  3. Anonymous purchase and trade

With such high purchase sums, which as described also quickly reach a 6-digit value, jewelry is an investment for wealthy people and heirs. For the private, smaller investor the later resale is not easy and in most cases it is loss-making.

Read here further to the capital investment jewellery

Jewellery brands: Ranking

  1. Cartier
  2. Van Cleef & Arpels
  3. Boucheron
  4. Harry Winston
  5.  Chaumet
  6. Kloybateri
  7. … the top 10 luxury jewelry brands

Art – Durable system without fixed sales value

Access to the established art market is possible for newcomers via galleries or auctions. For buyers with capital, art is certainly attractive as an investment.

It is risky that art has no fixed values and therefore no clear prospects of profit. Buyers must also have appropriate storage facilities. The risk is correspondingly high. Today’s return on art is high, if asked for, in keeping with the high risk of art as an investment.

Art is readily traded. The entry into the art trade takes time, art is therefore not a short-term investment. You can access the established art market through galleries and art auctions, for example, in which you can participate with prior registration. Whoever bids, the weather is also a little bit. Accordingly, there are no clear profit prospects in the art trade, especially at auctions. Security also plays a role, as buyers must have appropriate safe storage facilities when storing art objects.

Read more about art as a capital investment.

The most expensive works of art in the world

  1. Leonardo da Vinci – Salvator Mundi for US$ 450.3 million
  2. Pablo Picasso – Les femmes d’Alger for $179.4 million
  3. Modigliani – Nu couché for 170.4 million US-$

Read on under Art as Investment.

Procedure: 3 tips for finding objects

  1. Choose an art form that is interesting for you such as painting, photography, graphics, design
  2. Search for special unique copies and / or objects, which were only produced in small numbers
  3. Finally comes the choice of the right strategy, you speculate on known artists, unknown artists

Designer fashion – shoes, jackets and bags

Designer fashion as a capital investment? Shoes, jackets and expensive bags, high fashion is not only conquering the world’s metropolises, but more and more investors are turning to designer pieces. Haute couture is at the top of the list in New York, Dubai and Beijing. The leading luxury brands earn billions. We take a look at the most popular high fashion designers and potential investment objects. Read more about fashion as an investment.

The big advantage of designer fashion: fashion from designer labels can be bought by every consumer in a boutique simply and easily. It gets even better, if required it offers practical benefits for the buyer. However, those who buy bags & Co. from Hermés, Prade, Versace & Co. are less interested in practical use than in increasing value. The purchase and transport is anonymous, no buyer is registered.

Facts about designer fashion

The 3 most important facts about fashion as an investment:

  1. Availability for everyone
  2. Anonymity at purchase
  3. Risk of loss of value due to trends, news or influencers

On average, humanity is becoming increasingly wealthy. Especially countries like China and India want more and more luxury goods. So the prices for special pieces are rising. Expensive handbags, fine dresses and shoes are making high profits.

Read more about designer fashion as a capital investment here.

Luxury brands: Ranking

Tip! The 10 most expensive handbags in the world. Read more about the top 10 luxury fashion brands here.

  1. Hermes
  2. Chanel
  3. Louis Vuitton
  4. Christian Dior
  5. Ferragamo
  6. Versace

In addition to the three basic rules of rarity, original condition and patience counts, the increase in value must exceed the running costs of the value investment car. Sports cars, youngtimers and oldtimers can be easily purchased and acquired by everyone via the used car market, so getting started is easy. However, it is extremely important that specialist knowledge is available. Experience in the field is absolutely necessary, for laymen completely unsuitable and also in the risk medium to high, without knowledge. Read more about cars and classic cars here.

The return on cars is medium to high, if the increase in value is given by following the 3 rules for car buyers. Where there are high profits, there is always risk, with cars as a capital investment the risk is high and investments should be made accordingly with planning. Cars are especially for men one of the investment objects, but for laymen the investment in cars and classic cars is unsuitable. We recommend a good alternative, such as funds and bonds. With a little more willingness to take risks also real estate.

Facts about cars and oldtimers

The 3 most important facts about cars as a capital investment:

  • Attractive increase in value (important: increase in value only in original condition)
  • A lot of experience and know how for the valuation and the purchase is a prerequisite
  • Active enjoyment of the object instead of ‘just’ investing

If you want to buy cars as an investment, you have to take a lot into account. In addition to the three basic rules of rarity, original condition and patience, the increase in value must exceed the running costs of the car as an investment (sports, youngtimers and classic cars). For laymen, the investment in cars and classic cars is therefore rather unsuitable.

Read more about cars and classic cars here.

Luxury car manufacturer: Ranking

Read more about the top 10 luxury jewelry brands.

  1. Rolls-Royce
  2. Bentley
  3. Ferrari
  4. Lamborghini
  5. Maserati
  6. Aston Martin

Antiques – Coming soon

Soon you will also find more information about antiques here.

  • Sotheby’s
  • Cristies

Private lending – duration, costs and comparison

What are the advantages of a personal loan from my bank? Can I get the credit without SCHUFA? There are many questions, we have the first important answers. For all other questions, it is best to contact your bank advisor or a renowned comparison portal for loans. So you are available through various credit mediation portals. The current rate of return on personal loans is mediocre and the risk of personal loans is therefore also not high. Private lending enables simple investment opportunities via various credit brokerage portals. Read more about private lending here.

Of course, there are also disadvantages with personal loans, because when taking out a loan, detailed information about the providers is necessary to avoid mistakes.

Read more about personal loans here.

Questions about personal credit

  • What are the advantages of a personal loan from my bank?
  • Is a given personal loan earmarked?
  • Is a prior credit check obligatory in Germany?
  • … read on: Personal loan

Life insurance – risk & asset generation

Life insurance policies can basically be divided into two types, term life insurance and endowment life insurance. Life insurance policies stand out above all as the best protection for partners and children (term life insurance). However, they can do more, for example asset accumulation for old age (endowment life insurance). All about life insurance.

We answer your questions: How does life insurance work? How useful is a life insurance policy? Is it possible to get the life insurance paid out? The good news first, yes! This special insurance is called endowment insurance, or capital-forming insurance. The cost of the insurance you take out depends on your individual goal of protection and the agreed term.

Facts about life insurance

The 3 most important facts about life insurance as an investment:

  1. Capital Security
  2. Protection for survivors in the event of death
  3. Capital accumulation (for endowment insurance)

Depending on your personal family and professional status, different life insurance policies are possible. In principle, however, anyone who has a young family or close relatives should think about them.

Read all about life insurance investments here.

Investment management – Private asset managers

Asset Management – Asset managers help their clients to find their way in the complex and increasingly digital financial world. Through conversations and trust we analyse the financial situation of the client in detail, so trust is central to our work together. Your personal current circumstances and long-term goals are taken into account in the planning. The result is a detailed, personal asset planning, individually developed for the client. Well-founded and high-yield asset management is possible for both financially strong investors and small savers. More about costs and minimum investment amounts later. Read more about private asset management here.

When does asset management pay off?

The big question is: When does asset management start to pay off? Banks offer standardized products for assets starting at 50,000 dollars. Online there are even much lower models.

Standardized banking products from 50,000 dollars

An individual and personal, correspondingly profitable asset management is only worthwhile from a minimum investment sum of 500,000 dollars.

Personal investment advice from 500.000 Dollar

Independent investment advisors help with financial advice and brokerage. But what does an investment advisor do, what costs do you incur as an investor and how does the profession differ from the classic bank advisor in a bank branch?

Read all about the topic: Asset management

The most popular investments

Which of the following investments are currently the most popular? These statistics from the Federal Office are the result of a survey of over 1,000 respondents on the various preferred forms of investment in Germany. At the time of the survey, “about 27 percent of the people questioned owned a life insurance policy. In 2011, around 40 percent of those surveyed still stated that they had taken out a life insurance policy for old-age provision”.

13% fewer life insurance policies in 8 years

You can find further information on statistics on Statista.

2019 2018 2017 2016 2015 2014 2013 2012 2011
real estates 28% 31% 27% 27% 27% 29% 28% 29% 30%
a building savings contract or building savings plan 28% 26% 28% 31% 32% 32% 29% 33% 33%
an overnight money account 24% 25% 22% 23% 32% 29% 27% 29% 33%
fund units 24% 20% 17% 18% 23% 20% 21% 23% 25%
shares 15% 15% 13% 13% 15% 12% 13% 15% 16%
13% 13% 14% 12% 19% 17% 21% 20% 21%
net: gold/silver 13% 12% 8% 7% 11% 8% 7% 11% 8%
11% 10% 7% 6% 9% 7% 6% 9% 6%
antiques, such as a very old cabinet* 6% 8% 4% 5% 7% 6% 5%
arts of art, such as paintings* 4% 4% 3% 3% 5% 4% 4%
silver bars or coins 4% 6% 3% 2% 5% 4% 3% 6% 4%
bonds* 4% 3% 2% 3% 4% 2% 3%
Looking for a luxury property? New York, Los Angeles, Miami - Take a look at Lukinski: Luxury Realtor

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Find a realtor!? Sale your house and apartment: Advantages, disadvantages + 5 tips

Finding a broker is often more difficult than you might think, as the market is crowded and there are many different offers. However, not every agent will suit every property, so property owners should find out exactly what agents are available to find the right one for their property. There are many tips and tricks and some things to consider.

You can find more tips in our new Real Estate Magazine!

The perfect real estate agent – how to find the right consultant for your property

The Perfect Real Estate Agent will help you with the sale of your property, create an appealing advertisement, answer prospective buyer enquiries, plan and coordinate viewing appointments and finally help with the conclusion of the contract, the purchase agreement, notary appointments etc. He is always available with advice and support and will help you to sell the property as successfully, quickly and easily as possible.

5 tips for the search for an estate agent – how to find the right agent for your property search

The search for an estate agent is not always easy, as there are often many different offers and the stimulus satiation is high. However, there are some helpful tips that can help you find the perfect broker.

The search begins on the Internet

The Internet determines today’s time and thus also the profession of the broker. A good online real estate platform is the be-all and end-all for estate agents, which is why you too should start your search for the perfect real estate agent online. The region is very important and should be used as a first point of reference. From here, follow your instincts and look for several alternatives.

Learn from the experiences of others

In addition to online research, it is always a good idea to ask friends, acquaintances or relatives about their experiences and opinions. Brokers are often very familiar with certain areas and have good contacts and networks there that you can take advantage of.

The sympathy effect counts

The first impression you get from the brokers is usually online. The simple design of the advertisements can tell you a lot about the person behind them. It is likely that they share a similar taste, the sympathy between them is also right and the chemistry is very important in a project such as selling real estate. So already during the search, pay attention to what appeals to you personally and whether the real estate agent might be suitable to market your property.

The early bird catches the worm

A professional broker will contact you within one day after a request. The brokerage business is very competitive, which is why the following applies here: The early bird catches the worm. Be aware that it is often difficult to reach estate agents by telephone, as they are on property viewings with clients during the day. If an estate agent makes them feel that they are difficult to reach, then potential buyers will also have had this experience and other estate agents may offer them better conditions.

The price must be right

It is best to compare the price range in advance. How much do properties with similar location and equipment cost? This information will help you to assess what the estate agent is proposing and what the price range is. However, it is not only the price of the property that matters, but also the amount of commission. A reputable estate agent will openly raise the issue of commission with you and propose an agreement. The amount can be freely negotiated within the framework of legal limits and depends on the price of the property, the conditions usual on the market and the market situation. The negotiated amounts are recorded in writing in a contract.

With or without broker – the advantages and disadvantages

Anyone thinking about selling their own property will sooner or later ask themselves the question: with or without an estate agent? This question cannot be answered in a general way, but the use of an estate agent has advantages and disadvantages and can be useful depending on the individual situation.

The advantages – expertise, experience and the relief of the seller

Brokers are professionals in their field and therefore know the market inside and out. They know what is going on in the region, what the prices are and how much demand real estate is like yours. Not only can they help you set the selling price, they also know about legal requirements and obligations.

Selling a property on your own also involves a lot of time and effort. Estate agents take this burden off your shoulders, answer prospective buyers’ enquiries, organise viewing appointments and present them with a well thought-out selection of potential buyers. The time saved is enormous for you and the property sells itself, so to speak.

Probably the most important advantage, however, is the expertise and experience that an estate agent brings with him. From sales contracts and the current legal situation to advertising for your property to the right target group, an estate agent is there to help you with advice and support and helps you to sell your property not only profitably, but also quickly and easily.

The disadvantages – the commission and the reputation

However, under certain circumstances, the estate agent may also have disadvantages that could hinder the sale of the property. For example, the agent’s reputation is extremely important and is an indicator of the success of your property sale. For example, if the agent you choose has a reputation for being unfriendly or a rip-off, your property will have a poor chance of being sold in his ad. Therefore, inform yourself well about your broker in advance, ask friends or acquaintances what they have heard about the broker’s work and form your own picture of the person.

Another disadvantage is the commission. This will increase with successful marketing of. buyer and seller divided and can be enormously high depending on the purchase price. This is one of the most reasons why many property owners prefer to go it alone and shy away from the help of an estate agent.

The commission – the amount, the payment and the legal conditions

When you ask an estate agent to sell your property, you give him a binding order. It doesn’t matter whether you speak to the agent himself or just an employee, because such contracts are always business and not personal. So before you actively ask for an agency for your property, find out whether the agent is really the right one for your project.

In order for the agent to be able to claim his commission after the contract is signed, he must provide proof of his activity. In general, the broker is only paid if an effective contract of sale is concluded between buyer and seller. The commission is negotiable within a legally defined framework and should always be recorded in a contract in advance. A so-called commission independent of success is basically ineffective and cannot be demanded from a broker! A commission advance is generally possible, but only if this is repaid should the property not be sold.

Sellers have in principle the possibility to state in a contract that the commission is to be carried by the buyer. Here, however, an unambiguous formulation is decisive which excludes your commission obligation. However, if an estate agent works for both parties, he must inform all parties about this double activity, otherwise he could lose his commission claim.

Construction methods – prefabricated house, solid house or log house?

After the first years of working life, many people think about whether it is time to start a family. The founding of a family is often linked to a plan to move into a larger apartment or even into a house. Once the decision has been made and you are planning to have a house built, you have many questions to answer. Especially in the field of real estate there are many different terms with which one can do nothing. To help you one step further, we will explain the different construction methods in this article.

You can find out more about prefabricated houses from the real estate experts at IHV – Die Immobilien Makler.

The different construction methods – From prefabricated houses to solid houses

Altogether there are three different construction methods. The three different construction methods are called prefabricated house, solid house and log house. But what are the differences between these three construction methods? What are the advantages and disadvantages? We explain to you the differences that are decisive for you, after all, investing in a house is a life decision and not just a casual decision.

Prefab house – Fast & Cheap

Basically one can say that the construction of a prefabricated house brings cost advantages in contrast to the other variants. The clients also benefit from an extremely short construction period. The sooner your house is finished, the sooner you can move into your new home with your offspring. If you now think that I benefit from a shorter construction time and at the same time have lower costs, then you are mistaken. Prefabricated houses are known for their high quality. But what material is the so-called prefabricated house made of? The wall construction usually consists of wood. If you want to be absolutely sure what you are investing in, you have the opportunity to look at exact samples of prefabricated houses beforehand.

Nevertheless, there are not only advantages but also disadvantages for the prefabricated house. As the name suggests, a prefab house is already “finished”. You therefore do not have much room for manoeuvre. Especially if you have planned to incorporate many of your own ideas into the construction of your house, you should reconsider whether the prefabricated house is the right variant for you. Many already know when they move into the new house that they want to sell it sometime in order to live somewhere else again. For this reason, you should be aware from the outset that a prefabricated house has lost considerable value when resold.

Advantages prefabricated house

  • low construction costs
  • fast construction time
  • precise ideas through samples
  • good insulation
  • high quality

Disadvantages Prefabricated house

  • not much design possibility
  • low heat storage capacity
  • lower value at resale

Solid House – Durable & Diverse

And what is the variant? Besides the prefabricated house, a solid house is a frequently chosen alternative. But what can be the reasons why someone decides to build a massive house? The massive house is famous for one aspect: longevity! Many builders decide to build a massive house because the value remains constant over a very long period of time. Should you decide to move out of your own home at any time, you have the opportunity to receive a similar amount for the house as you have spent. Another positive aspect is that the walls of a massive house store heat. The advantage of that: The house doesn’t cool down so quickly in winter and doesn’t heat up so quickly in summer. If it has always been your dream to make a significant contribution to the design of your home, then the massive house could be just right for you.

And what are the disadvantages of building a massive house? There are two major disadvantages and these are on the one hand the long construction period and on the other hand higher construction costs. “Time is money” is the motto of many people and that’s why this is an aspect you should keep in mind, no matter how much money you have earmarked for building your own home, the costs are interesting for everyone. You should therefore be aware when making your decision that the construction of a massive house entails higher costs than the construction of a prefabricated house.

Frequently Asked Questions about Solid Houses

  • How expensive is a massive house?
  • What does turnkey mean?
    Turnkey is the complete transfer of the finished house, so that you as tenant or owner can move in immediately.
  • What is a massive house?
    “A builder, who decides for a property with 850 square meters and a massif house with a floor space of 150 square meters, must count [on] in the country wide average with costs at a value of approximately 320,000 euro on a property with 850 square meters.”

Advantages solid house

  • longevity
  • high value in case of resale
  • high stability of value
  • Scope of design

Disadvantages Massivhaus

  • Long construction time
  • High construction costs

Video: Prefab House

Log cabin – single & stable

The log house (wooden house) is not quite as well known as the other two constructions. But wrongly, because the construction of the log house brings many advantages with it. Similar to the prefabricated house, the log house is also erected within a very short time and in addition it lasts a long time. In addition, the log house is usually built from the natural building material wood. This aspect not only protects the environment, as it is a renewable raw material, but also creates a special living atmosphere. As a rule, wood has the effect of making a living room look cosy and at home. Combined with a fireplace in winter, it creates a great living feeling. And you also have the opportunity to help design the log cabin yourself.

There are also some negative aspects for the log cabin. It is necessary that the walls of the wooden house are painted regularly. As a rule, this is a period of between 4 and 10 years during which the coating must be refreshed.

Advantages Log House

  • quickly erected
  • often stable
  • natural building material
  • atmosphere
  • longevity
  • Design possibilities

Disadvantages Log cabin

  • regular painting
  • Repairs are difficult

Tooth straightening with transparent splints – the advantages & disadvantages of Invisalign therapy

Invisalign? When it comes to tooth straightening, patients now have a relatively wide choice of possible treatment methods. Each has its own advantages and disadvantages, but these are more or less decisive for the patient depending on the malposition of the teeth and the individual situation. In order to find the right method of treatment, it is always helpful to compare the various advantages and disadvantages.

All at a glance – the advantages and disadvantages of Invisalign

A tooth straightening with the Invisaign therapy brings many advantages, especially in comparison to the conventional treatment methods. A short treatment time and the inconspicuous design are only a few of many. But every positive also has a downside and so also the Invisalign treatment has some disadvantages. To give you a good overview, we have listed all the advantages and disadvantages.

Advantages of Invisalign – unobtrusive and uncomplicated

The most important advantage of Invisalign for most patients is probably the optical aspect. The transparent design of the rails makes them almost invisible and is therefore very inconspicuous and discreet. Thanks to modern technology, the treatment is very effective, which can greatly shorten the duration of treatment depending on the case. During sporting activities, the splint offers additional protection for the teeth. Where conventional braces make sports almost impossible and severely restrict the patient, the splints protect and do not interfere with the wearer.

In addition, the treatment with the splints has the advantage that it is almost painless. A slight pressure is described by patients after a splint change or after prolonged wearing of the splints. However, pain is not common during treatment. The maintenance of the splints is very simple, as they can be removed and cleaned easily with a toothbrush and some toothpaste.

Advantages of Invisalign – everything at a glance:

  • optically hardly visible due to transparent design
  • the handling and maintenance is very simple
  • protect teeth additionally during sports or other activities
  • does not cause pain during treatment
  • almost all malpositions can be treated with Invisalign
  • modern technology is effective and moves teeth very precisely
  • the tooth movements can be precisely planned and controlled
  • has a shorter duration of treatment than conventional methods

Disadvantages of Invisalign – these problems may occur

There are also disadvantages with Invisalign rails. However, these are very minor. While the splint is worn, food and colouring foods such as coffee, black tea and sugar-containing sweet drinks must be avoided. On the one hand, this is due to the fact that the splint can discolour and thus become visible, but on the other hand, the health of the teeth is endangered by drinks containing sugar, as tooth decay is favoured. Smoking must also be avoided to a large extent during the carrying of the rail, as this can also discolour the rail.

In some cases, wearing the splint may cause a slight speech defect in the form of lisp. In most cases, this phenomenon is worn after the first few hours, but no longer noticeable. Invisalign therapy requires good cooperation from the patients. The conscientious wearing of the splints is at the sole discretion of the patient. In order to achieve the desired success of the splints, however, they must be worn regularly, otherwise the desired result cannot occur.

Disadvantages of Invisalign – everything at a glance:

  • the consumption of sweet drinks during the wearing of the splints promotes the formation of caries
  • staining foods and cigarettes must be avoided, otherwise the rails may discolor
  • patients have to actively participate in the process and wear the splints regularly
  • in the first hours of wear there may be a slight speech defect in the form of lisp

Pro and Contra Invisalign

The Invisalign Therapy – everything you need to know to treat

Anyone who has not yet dealt with the subject of Invisalign will first encounter many open questions. What is Invisalign anyway? Am I suitable for the treatment? How much does the transparent rails cost? And how long does a treatment like this take? In order to answer all your questions, we have summarized the most important information about Invisalign. Any more questions? Visit the SmileClub and find out more about the topic Invisalign and arrange a free consultation near you!

Invisalign Treatment – What is it anyway?

Invisalign are transparent rails made of a proprietary SmartTrack material. They are manufactured individually for each patient and enable tooth movements. They are clinically tested and have many advantages over conventional models such as metal braces. They improve the control of tooth movement and can even rotate it.

Invisalign splints can be used to treat malpositions, such as over-, under- and cross bites, but also tooth gaps, open bites, crowding or a general malposition of the teeth. With the help of small tooth-coloured burls, also called attachments, which are attached to the teeth, tooth movement is only possible. The splint holds on to the small anchors that are placed at important turning points of the teeth and thus enables an individually coordinated tooth movement for each patient. Due to this technique the system works very effectively and the duration of treatment can be shortened compared to conventional treatment methods.

The rails are very easy to clean as they can be easily removed. This facilitates the handling of the rails and their integration into everyday life. This makes cleaning and care very easy and uncomplicated for the patient. The splint must be removed for eating, drinking is possible with the splint without any problems. Activities such as sports can also be carried out with the splints, as they do not impair the teeth but provide additional protection.

  • invisible rails made of proprietary SmartTrack material
  • nearly all malpositions can be treated with Invisalign
  • Attachments in combination with the splints also allow difficult tooth movements
  • easy to clean handling

Tips for carrying your rails

The costs – to be determined individually for each patient

The costs for orthodontic treatment cannot be determined in advance. In addition, the costs are different for each patient, as each case has different characteristics. How much the treatment really costs in the end depends on many different factors. This naturally includes the degree of malpositioning and the resulting number of splints required and the duration of treatment. These factors vary from patient to patient and determine the final cost of treatment.

  • a lump sum cost estimate cannot be made
  • The strength of the malposition of the teeth significantly determines the costs and the duration of treatment
  • the costs are different for each patient

The duration – depending on many factors

The duration of the treatment varies greatly from case to case. In general, the duration of the treatment always depends on the degree of malposition, but also on the type of malposition. Thus no general statement can be made about which tooth malposition can be treated faster than another, since the degree of the malposition is always decisive.

Normally between 7 and 80 pairs of rails are required. Each splint is worn for two weeks. The maximum duration of treatment for very severe malpositions is therefore about 3 years. For mild to moderate cases, a treatment period of about 6 to 18 months is usually planned. It often happens that one jaw needs less or longer treatment than the other. That a jaw needs more or less splints is so by no means unusual. However, the individual duration of treatment must be assessed and determined by a physician and cannot be stated in general terms.

  • the duration depends on the individual malposition of the teeth
  • normally, the treatment lasts between 6 and 18 months
  • the duration depends on the amount of rails required

Experiences with invisible braces – Video

Veneer Wiki! That is how VIPS, stars and celebrities shine with perfect teeth

Veneer Wiki – What are veneers and … how do they work? Thanks to the tooth attachments, celebrities and VIPs around the world shine with perfect and straight teeth. Teeth are always a trademark, especially for people in public life, always individual and often make the character of a person, at first glance. So if you do not have the perfect teeth, think quickly about an alternative from the dentist. Sooner or later, the recommendation will always go to veneers. Not only stars from Hollywood rely on the dental veneers of experts, in Germany, too, many celebrities wear veneers to make a better impression in TV shows, at moderation events and on stage. Further down you will find our wiki for veneers!

Veneers are too expensive for you with 15.000 – 20.000 dollars? Then take a look at how you can get straight teeth with Invisalign, sometimes in a few weeks, Iva’s experience report: Invisalign.

The before / after effect of a veneer treatment by the dentist

Stars and VIPs with veneers

Blogger and Influencer Shirin David
She is a known influencer of instagram. Perfect look is Sherin’s trademark!

Oscar winner Matthew McConaughey

The actor makes hearts beat faster with his radiant smile.

Actor Denzel Washington wears veneers

Denzel Washington is a two-time Academy Award winner and a world star.

Jessica Simpson has white and perfect teeth

Singer, songwriter and fashion designer.

Not only VIPs in spotlight wear veneers. Of course, many businessmen have come to the taste! With today’s precision, the ceramic bowls are durable by the dentist for well over ten years. The use takes place completely painless, since it is not drilled. The veneers are handmade and then placed tooth for tooth. We wanted to collect in the wiki all the important terms for you that are on the topic! The before / after effect is absolutely amazing, as you can see in the video:

Before / After: 5 months after veneer treatment

This experience video shows how satisfied patients are after using the veneers.

Wiki! The most frequently asked questions about veneers

Here we have collected all the important terms and explanations about veneers and beautiful teeth for you. Gradually we add new information, so you have a perfect first overview, when it comes to beautiful teeth from the dentist.

  • Before, afterwards
    The before / after effect is impressive, as seen above. The treatment is done quickly and only needs 2-3 sessions.
  • Cheap
    Cost-effective, good-looking veneers are in no case. Celebrities therefore rely on a handful of German dentists when it comes to the precise preparation.
  • tooth
  • Stars
    Especially for people in public life, the ceramic essays are exciting, because their own laughter is often photographed and filmed
  • Disadvantages / Teeth Disadvantages / Risks
    Since neither drilled nor ground, the teeth suffer no damage during use and use.
  • To Go Cost / Alternative
    There are alternatives to elaborate veneers, but on closer examination you can see quickly that the inserts are not adapted and therefore seem artificial.
  • On crowns / dead tooth / on implant / on bridges
    We are just researching the question for you!
  • Brightening / Color A1 / Subsequent Brightening / White Teeth
    The attachments are perfectly adapted in the production or production of the dental technician (after prior agreement with the dentist and Smile Designer), to your own tooth color. With a previous whitening, so the teeth are automatically white.
  • install
    Applying the veneers is completely easy and without pain as the teeth themselves are not treated.
  • species
    There are different types, but mostly high quality ceramic veins are made.
  • on healthy teeth
    On healthy and vital teeth, the attachment is the easiest. Here the veneers only have to be produced and already the essay can start.
  • close at tooth gaps / gap
    If you have a tooth gap between your teeth, it will be balanced differently. Veneers are put on and therefore always need firm hold.
  • with broken teeth
    If the teeth are broken, the dentist in charge must first decide to what extent a preliminary treatment of the individual tooth is necessary.
  • overbite
    Even with overbite, the new teeth can be modeled so that a perfect result is guaranteed.
  • Duration / Duration Treatment / Onset / Procedure / How does it work?
    The veneer treatment at the dentist is usually done with 3 appointments. This includes the initial consultation, here is usually taken already a first impression. In the second session the first rehearsals will be used. If everything fits, details are still being worked on and in session 3, they will be finalized.
  • diastema
  • Renew
    As with the normal teeth, you should also regularly check with his veneers. These can then be perfectly combined with the anyway pending control at the dentist.
  • Experiences / opinions
  • Individual teeth / Canines / Incisors / Anterior / Anterior teeth
  • Remove
  • for crooked teeth
  • financing
  • guarantee
  • Durability / Do not Hold / Durability Experience / Life
    Specialist veneers last 15 years and longer with professional preparation by the dental technician and precise use by the dentist.
  • Caries
  • Cost / Total Cost / Experience / Renewal / Ceramic / Plastic
    Of course, many dentists do not give any advance information about the exact cost, as it varies from case to case. For a high-quality treatment in Germany, but you can always assume a five-figure amount.
  • Lumineers / Lumineers difference
    Medical indication
  • Non Prep / Immediate / To go / Test / Attach
  • after braces
    Wearing a brace before does not affect the use of veneers.
  • after bulimia
    Auch nach einer Bulimie können die Veneers eingesetzt werden, insofern die Zahnsubstanz nicht grundsätzlich gefährdet ist.
  • without loops
    The panels are as stated without drilling attached, even on the grinding of the teeth is completely omitted.
    Upper jaw / Up and down / How many teeth?
    Veneers can be made for single teeth, as well as separately for upper and lower jaw, as well as for the entire more demanding tooth area.
  • Celebrities / Hollywood Stars
    Many celebrities and VIPs wear veneers. We already had a few for you at the beginning of the article.
  • Care / cleaning / proper care
    Since they are like your own teeth, the care is the same. Using regular teeth, flossing and sugar-free chewing gum should be part of the daily routine.
  • Private health insurance
    Do not take the use of statutory health insurance. Even with private health insurance companies should be clarified beforehand, if even a part of the costs will be taken over. As a rule, veneers are paid out of pocket.
  • quality
  • Smoke
    Smoking does not only harm your health, but also your teeth. Residues of cigarette smoke remain in the throat and on the teeth. As a result, bacteria can accumulate, which can not only cause disease but also provide permanent tooth discoloration.
  • Crack / repair
  • rail
  • Insurance / dental insurance
    Of course, there are also insurance companies that offer the protection of veneers and teeth.
  • Veneers vs crowns
  • Benefits / Before After
  • Requirements / when possible? / When useful?
    The ideal conditions before treatment are healthy and complete teeth. As a result, the effort is the least. However, you can also work with broken teeth, even with missing teeth. Individual assessments are given by the dentist.
    are shifting
  • How many teeth?
  • How do they stay?
  • Teeth crunching
  • gums
    Good dental aesthetics also treat gum problems directly, for example the ‘Gummy Smile’. When people laugh, you can see a lot of gums here. Some bother that.
    Before, afterwards