Joseph, moses and matthew

adminonFebruary 9, 2022January 27, 2022Leave a Comment

Biblical themes can currently be seen on several NRW stages at once. The Dusseldorf Schauspielhaus is showing "Joseph and His Brothers," "Moses and Aaron" is running at the Deutsche Oper am Rhein, and the Bonn Opera House is presenting the "St. Matthew Passion" in John Neumeier’s production during Holy Week.

Thomas Mann’s "Joseph" novel tells the Old Testament story of Joseph in a complex and imaginative way. As a commissioned work for the Dusseldorf Schauspielhaus, author and dramaturge John von Duffel created the four-and-a-half-hour stage trap around the favorite son of the ancient patriarch Jaakob. He is thrown into a well by his older brothers and then sold as a slave to Egypt. There he rises to the position of Pharaoh’s deputy and years later in his court meets his brothers again without taking revenge on them. But in the end, Joseph’s economic success is not enough to receive his father’s blessing. The premiere on 15. February is already sold out. On 20. The new production of Schonberg’s opera "Moses and Aaron" premieres at the Dusseldorf Opera House in March. Moses is called upon to proclaim the only God to the people of Israel and to free them from Egyptian bondage. His brother Aaron is supposed to be the mediator of this order. While Moses represents the purity of thought and demands blind trust in the only, unimaginable and invisible God, Aaron knows that the people can only be convinced by visible signs. When Moses stays away for forty days to receive God’s laws on the Mount of Revelation, the people demand the old idols back. It comes to the dance around the golden calf, through which the Israelites forfeit the grace of being chosen, and to Moses resignedly breaking the divine tablets of the law. At the opera house of the federal city of Bonn comes on 7. April the "St. Matthew Passion" by the Hamburg Ballet is performed.John Neumeier is responsible for the choreography, staging and set design to music by Johann Sebastian Bach. For the world-renowned choreographer, working on this piece was "like finding a language for religious content and a choreographic form for Bach’s musical formulation".Neumeier’s "St. Matthew Passion" has already been hailed as a "world success with cult character" in Europe, America and Asia.

What pollutant classes are defined by the euronorm and what do they mean?? You’ll also find out how to determine your car’s emissions class and what the penalties are for driving in urban environmental zones with the wrong emissions class.

What does emission class mean?
Which pollutant classes are there??
Why is the emission class important??
How can I find out the emission class of my car??
Incorrect emissions class: what are the penalties??

What does pollutant class mean?

Car exhaust contains fine dust and nitrogen dioxide. The substances are hazardous to health and harm the environment. Each vehicle emits a certain amount of pollutants through the exhaust gas. It depends on vehicle type and age.

With the pollutants one speaks also of the exhaust emission. Pollutants include carbon monoxide, nitrogen oxide, hydrocarbon and soot particles. Depending on how many pollutants your car emits, it is classified in one of the different pollutant classes. This will determine whether a car is low in pollutants or not.

In which pollutant class which car comes on the basis of its emission value, is europe-wide in the EU exhaust standard set.

The EU emission standard

The EU emission standard is also referred to as euro emission standard or euro standard designates. This specifies which car belongs in which pollutant class. It also specifies the maximum amount of pollutants a car may emit in the form of carbon monoxide (CO), nitrogen oxides (NO x), hydrocarbons (HC), non-methane hydrocarbons (NMHC), fine dust and particulates. The emission limits for the various pollutants are also defined here.

The first emissions standard was introduced in europe in 1970. Since then, the emission limits for cars and other vehicles have been tightened again and again. This means that cars must emit fewer and fewer pollutants in order to be allowed to drive at all.

Since september 2015, Germany and the EU have been subject to the emission standard euro 6. There are currently six different pollutant classes for low-emission cars. There are also cars without a pollutant class (euro 00).

To the 1. September 2017 this regulation was adjusted once again (euro 6c/6d standard)Since then, new measurement methods have been used to determine the emission values in the exhaust gas. Stricter criteria apply overall for measuring exhaust emissions. However, the limit values have remained the same since 2015.

The D standards

Before there was a europe-wide regulation (euro standard) for exhaust emissions, there were also some D standards in germany. However, the D standards were measured differently from today’s standard. Today, only the euro exhaust emission standard is considered binding.

Which pollutant classes are there?

The EU emissions standard defines six different pollutant classes. They classify how low-polluting a car is.

The pollutant classes of the EU emissions standard

Low-emission vehicles are classified in emission classes 1, 2, 3, 4, 5 or 6. Stage euro 6 has the lowest pollutant emissions. The cars with the highest pollutant emissions are in euro 1.

Non-polluting vehicles are classified in euro 00. Their use is prohibited in the event of an ozone alarm. The ozone alarm is a warning and is issued when there is an increased level of ozone in the air we breathe. Hot weather in particular causes ozone levels to rise sharply. Then drivers should generally drive as little as possible.

pollutant class euro 6 (least pollutant emission, since 01. September 2014/2017)
emission class euro 5 (since 01. September 2009/2011)
Pollutant class euro 4 (since 01. January 2005)
Pollutant class euro 3 (since 01. January 2000)
emission class euro 2 (since 01. January 1996)
Pollutant class euro 1 (highest pollutant emissions, since 01. July 1992)
Pollutant class euro 00: non-polluting cars (not allowed to drive in ozone-deficient conditions)

There are also emission classes with roman numerals from class euro I to euro VI. These are the emission classes for trucks and buses over 3.5 tons. The emission class with the lowest emissions is euro VI. Trucks and buses with the highest pollutant emissions are in euro I. For new registrations of these vehicles, emission class euro VI is currently required.

There are no emission classes for electric cars. Because: they do not emit relevant pollutants such as carbon monoxide. The euro emissions standard does not apply to them. This is different for vehicles with hybrid drive: they also have to meet the euro emissions standard. Almost all hybrid cars are in emission class euro 5 or 6. They usually have very low pollutant emissions.

Difference between pollutant classes and pollutant groups

The aim is to reduce the environmental impact of road traffic in major German cities. The result: since 2008, there are environmental zones in the centers of 55 German cities. You are only allowed to drive in the area with a valid environmental sticker or fine particulate sticker. Only cars that emit few pollutants are allowed to drive there.

The environmental sticker is divided into four pollutant groups: no sticker, red, yellow and green sticker. Only if the sticker proves that a vehicle does not emit too many pollutants is it allowed to drive in the zone. The fine dust sticker is also mandatory for electric cars. You can buy the environmental sticker at the TuV, the DEKRA, the citizen’s offices, the registration authorities and at most gas stations.

Vehicles with emission class euro 4 (or better) receive a green sticker. They will be allowed to drive in all environmental zones.
Diesel vehicles with emission class euro 3 receive the yellow sticker. This environmental badge is also issued to vehicles which, according to the european economic community (eec), have a particulate filter retrofit in accordance with particulate reduction stage 1. With this class there is no driving ban in the environmental zones. Exceptions are the cities of berlin and hanover.
Only diesel vehicles belong to the euro 2 emission class. You will receive the red sticker. Cars with red stickers are banned from almost all environmental zones.
Cars with gasoline engines without a catalytic converter or gasoline engines with an unregulated catalytic converter do not receive an emission sticker. diesel vehicles with particulate emissions according to euro standard 1 or worse do not receive an environmental badge either. The cars are not allowed to enter any of the environmental zones.

The pollutant class determines which pollutant group a car belongs to and which environmental badge it receives. © gettyimages/ednam

Why is the emission class important??

The classification of a vehicle’s pollutant class is a decisive point for the amount of the vehicle tax. The pollutant class is also relevant for driving in so-called environmental zones in Germany and abroad. The more pollutants your car emits, the more it pollutes the environment.

Influence on vehicle tax

The respective emission class also has an influence on how high your car tax will be. On the basis of the determined class, it is possible to calculate very clearly which costs will be applied to the respective vehicle.

To find out exactly how much you have to pay in tax for each emission class, read our guide to vehicle tax.

Maximum limits for CO2

Car emissions and the pollutants they contain are harmful to the environment and affect the climate. Air pollution sometimes leads to the warming of the earth’s atmosphere, the so-called "greenhouse effect" greenhouse effect. This is the name given to the process of increasing warming of the earth’s atmosphere, which is driven by environmental pollution. As a result, the climate of the entire earth is changing. This can be seen, for example, in the melting of glaciers and the dying of forests.

The additional carbon dioxide produced by harmful car emissions increases this effect. The european union introduced the CO2 limits to counteract environmental pollution.

In 2015, new limits were set for CO2 emissions that car manufacturers must adhere to. From 2021, cars will be allowed to emit even fewer pollutants.

CO2 limit from 2015 to 2020

From 2015 to 2020, the CO2 limit for new cars will be 130 grams per kilometer. By 2020, the carbon dioxide emissions of cars are to be reduced to 95 grams of CO2 per kilometer. This corresponds to a consumption of 4.1 liters per hundred kilometers for gasoline vehicles and 3.6 liters for diesel vehicles.

By then, CO2 emissions from new cars are to be reduced by around 15 percent. The value applies to the average of all new cars sold in the EU.

CO2 limit from 2021

From 2021, CO2 emissions from vehicles are to be reduced even further. The exact limit value has yet to be determined. The car industry must then adapt to the requirements when developing new models.

The EU parliament’s environment committee is talking about limits of between 68 and 78 grams of CO2 emissions per kilometer.

Discussion on the diesel ban in 2018

German cities want to keep their air clean. However, limit values for nitrogen oxides are often significantly exceeded in urban areas. The danger: the gases can be toxic in high concentrations. They can irritate the respiratory tract, but also cause lung problems and cardiovascular diseases.

The result: since 2018, some cities have been calling for a diesel ban in order to enforce their clean air plans and comply with the limit values again as quickly as possible. the background: diesel vehicles are overall more harmful to the environment than other vehicles. your engines also emit soot particles.

The introduction of a "blue sticker" is also being discussed. the new sticker will be given to modern diesel cars with emission standard euro 6. They would be exempt from the driving ban. But until now there is no verdict yet.

Car exhaust contributes to pollution. Co2 emission limits are supposed to curb air pollution. © gettyimages/deepblue4you

How to check the emission class?

In Germany, compliance with EU standards is checked by the emissions test (AU). It is usually part of the main inspection (HU), which you have to do every two years at the TuV.

With a new car, you have to go for a check-up for the first time after three years. The environmental sticker (fine dust sticker) you must then buy it yourself and put it on your windshield. At the time of purchase you must show your vehicle registration document. then you will get the right fine dust sticker.

Important: the sticker must show the registration number of your car. Your license plate will be registered at the workshop, the registration office or where you bought it. Without registration of the license plate, the environmental sticker will not be issued to you.

New vehicles are classified in emission class euro 6. You must comply with the euro 6 standard.

How can I find out the emission class of my car??

You can determine the emission class of your vehicle by means of the so-called emission code number. It also determines in which pollutant group a vehicle is classified and therefore which environmental badge your car will receive.

How to find your emission class

the emission key number is in your vehicle registration document: in the old vehicle registration document in field 1 (item "key number – to 1") and for newer models in the registration certificate part I in the middle of the document in FIELD 14.1.

Important for the determination of the pollutant class are the last two digits of the emission key number. For new vehicles, the last two numbers followed by two letters are relevant.

Foryou can find out your emission class by looking at the last digits of the key number in the vehicle registration certificate.

Additional note: you can also enter and find out your emission class online. Enter the emission key number, for example, in the DEKRA sticker test.

Can I improve the emission class of my car??

To improve your emission class, you can make modifications to your vehicle.

The advantage: you can save taxes. Possibly you can also get into a better pollution group and then drive in the inner cities with environmental zone.

The disadvantage: the retrofit itself can cause some costs. You should therefore consider whether the conversion is really worthwhile.

Soot particle filtera particulate filter can reduce soot emissions by about 40 percent. But the conversion is not possible for all diesel vehicles. The cost: between about 650 and 1.500 euro. You can apply for a government subsidy: subsidy up to about 260 euro possible.
Upgrade catalytic converter: only possible for vehicles with oxy-kat. improvement from euro 1 to euro 2. The cost: from about 400 euro.
catalytic converter retrofit (oxy-kat): for vehicles that do not have a catalytic converter. improvement from emission class euro 00 to euro 1, partly also to euro 2 possible. the costs: from about 400 euro.

Old cars can be retrofitted in a workshop. This can also improve the pollutant class. © gettyimages/tzahiv

Catalytic converter control systemIt ensures that the catalytic converter is activated more quickly during a cold start. The catalytic converter is used to convert harmful exhaust components from the internal combustion engine into harmless gases. improvements from euro 1 to euro 2 are thus possible. The cost: from about 200 euro.
Upgrade catalytic converter: only for vehicles that already have a working catalytic converter. upgrade from euro 1 to euro 2 possible. The cost: from about 400 euro.
catalytic converter retrofit (G-cat): for older vehicles that previously had no catalytic converter or an unregulated catalytic converter. Improvement from emission class 00 to euro 1, sometimes also to euro 2 possible. The cost: from about 700 euro.

Wrong emission class: what penalties do you have to pay??

If you drive into one of the environmental zones in germany, you need a valid environmental sticker. This is checked by the police.

If you drive into an environmental zone without a sticker or with the wrong sticker, you must expect a fine: the fine amounts to 80 euro. However, you will not be banned from driving, have your license revoked or receive points in flensburg.

You can read about the exceptions to the regulations for the environmental badge in our guide to the environmental badge.

Pay attention to your emission class: since 2015, there are six different emission classes for low-emission cars in europe. they are classified euro 1, 2, 3, 4, 5 or the least polluting class euro 6. New approvals must comply with the euro 6 standard. Non-polluting cars are classified in euro 00.

The emission class is important: it affects which environmental sticker your car gets and how much it costs vehicle tax you have to pay. You can easily find out which emission class you have. It can be determined via the emission key number in the vehicle registration certificate (registration certificate part I).

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Maxda, the credit broker from speyer, has long been established on the market. One of the Palatinate company’s specialties is brokering credit without schufa. We want to know what the maxda credit without schufa is all about.

A loan without schufa is possible for borrowers who consider their creditworthiness to be weak. You also think that after a negative decision of a bank only a credit without schufa comes into question.

Experience has shown that in many cases there are other options as well.

read here why maxda credit without schufa is not the only alternative and what other options are available.

Who is maxda and what does the company offer me??

Maxda has specialized exclusively in the mediation of loans, the wunschkredit. the company from speyer does not offer its own loans.

The intermediary cooperates with numerous banks in the country. the maxda credit without schufa is distributed in cooperation with the liechtenstein sigma bank.

The offer of maxda includes

We present the individual offers of maxda in detail in separate articles.

in this guide we will limit ourselves to the conditions for the maxda credit without schufa.

in contrast to other credit mediators maxda does not offer a credit comparison calculator. The applicant only finds out which bank will grant a loan when the application is sent out.

Experiences:

For credit without schufa maxda works together with the sigma kreditbank.

the conditions for the maxda credit without schufa

Since maxda does not grant its own credit, the conditions are those of the sigma bank from liechtenstein. Maxda has no influence on this.

To take it in advance, the sigma bank does not offer much variability. The conditions for the borrower are comparatively restrictive. But first, the conditions at a glance:

Procedure of the credit request

maxda’s inquiries follow one and the same pattern, regardless of the type of loan involved. It does not matter whether the applicant is looking for a loan without schufa, a car loan or a loan to restructure debt.

The purpose of use is not asked for. The application section is structured as follows:

The entry is made via the button query desired loan. The entry of the credit amount and term is required.
The following is the collection of the applicant’s personal data. This includes of course the name, date of birth and address.
In the next phase, the income and the expenses are compared.
In an intermediate step, the applicant can still order a free maxda credit card. However, the order does not improve the credit conditions.
The proof of salary can be sent by upload, by mail, whatsapp, fax or mail.
Maxda now checks the entries in order to forward the credit request.
If there is a possibility of granting the credit, the applicant receives the credit application both by e-mail and by post.

An offer for a free credit card may be attractive. However, only those who do not yet have a credit card should apply.

The background is that too many credit cards can worsen the schufa score. Especially those who have a weak credit rating should exclude this risk.

too many credit cards arouse the suspicion, even among banks, that the holder is shifting his minimum balances back and forth because he cannot close them out. Anyone familiar with the series "two and a half men" remembers alan harper’s credit card lottery.

Which documents do I need for the maxda credit without schufa??

First of all, proof of salary is required. If a credit agreement is concluded, the applicant must prove his identity with a valid identification document.

If it is a passport, it must contain a residence confirmation. The sigma bank also wants the confirmed salary assignment.

Our test report

It is important that an advisor also contains a test. Especially when it comes to such a sensitive topic as credit without schufa.

We have subjected the maxda credit without schufa to a classic test.

The criteria differ in part from other test templates in our numerous guides due to the special features of a loan without schufa.

Points:104 of 192

Interest

Processing

Product features

Target groups

customer experience

Credit intermediary

credit without schufa

Documents

Repayment phase

Service

Overall impression

Points:104 of 192

Duration until payment

the question "maxda kredit wie lange dauert die bearbeitung" is one of the most frequent that can be found in google for credit without schufa. The answer to the duration from application to payment is not only of interest in urgent cases.

neither maxda nor sigma bank currently offer a fully digitalized credit process. This speeds up the processing.

The customer can send his documents in digital form and use the videoident procedure. postal delivery times increase the time until the money is on the account.

The experience says that the deadline can be up to 14 days. Competitors who rely on fully digital processes can also offer genuine instant loans or lightning loans for a classic installment loan.

Accelerate payout – 7 tips

For his part, the customer can at least ensure that he is not responsible for delays in the application process.

To do this, it helps to take the following seven tips to heart:

Maxda sends all documents by e-mail as well as by post. Immediately process the e-mail with the credit application and do not wait for the contract delivered by mail.
transmission of the requested documents in digital form, not by mail.
The videoident procedure also saves time compared to the postident procedure. The way to the post office becomes superfluous.
Process not only the application, but all of maxda’s digital mail without delay.
clear and precise answers to questions from maxda. This avoids unnecessary queries.
No queries means in reverse time saving. Maxda usually takes a few days to process queries.
If there are ambiguities in the own income or expenses, the tax advisor knows further.

Even if we haven’t reached our conclusion yet: our numerous tests have shown that there are competitors who act faster and less complicated.

Is maxda serious?

This question can be answered with yes. Maxda has already been active as a reputable credit broker for many years. In some things we would like to see a little more transparency.

But the old sales adage "say as little as possible, as much as necessary" also applies here.

Maxda can look back on very good ratings on the consumer portal ekomi. What bothers us a little is the contact or inquiries by field staff.

Cross-selling is all well and good, but with an online product you are taken back to the old days of sales in the 80s. The aim of these visits is usually the conclusion of insurance products.

Has maxda been tested by the stiftung warentest??

No, the stiftung warentest has not reviewed maxda.

Postident or videoident?

maxda offers both the postident procedure for legitimation and the videoident procedure. Videoident offers several advantages:

The legitimation can be done from home.
The customer is not dependent on the opening hours of the post office branch.
The way to the post office and the possible search for a parking space are no longer necessary.

maxda credit without schufa experience

It would of course be interesting to know what other users have experienced with maxda credit without schufa. Unfortunately, there is no information about this on the internet.

The ratings of maxda do not refer to the individual products, but to the offer in general. in general, we can only point out that maxda received 4.9 stars at ekomi and currently has 4.6 stars at trustpilot.

As of today (status 22.07.2021) lie with us 16 maxda experiences of our readers before. From the ratings are 62,50 % positive, getthereview neutral and 12,50 % negative.

The reader experiences you can read here in detail:
maxda experience

Maxda credit without schufa top up

Maybe one or the other already uses a maxda credit without schufa in the amount of 3.500 euro or 5.000 euro. He may want to reduce this to 7.500 euro top up.

Basically, he must clarify this question not with maxda, but with the sigma bank. A second credit without schufa is not possible, but a top-up is.

The interest rates of maxda

We have to answer this question from two points of view. The interest rates for the maxda credit without schufa are set by the sigma bank. Maxda has no influence on this.

The interest rates of the other cooperation partners are also determined by them, but they are dependent on creditworthiness. The total range of effective annual interest rates payable at maxda ranges from 3.99 percent to 15.99 percent.

The two-thirds interest rate of 8.90 percent, which is required by law, is comparatively high. this interest rate says which maximum interest rate at least two thirds of the customers have to pay.

Either the credit ratings that maxda brokers are rather weak, or many customers resort to the credit without schufa.

What to do if the credit application was rejected?

With the restrictive requirements of sigma bank, we are not surprised that there are more frequent rejections. These do not result from the creditworthiness of the applicant or a negative entry at schufa.

If you’ve been sick for eleven days a year, you’re "out". The same applies to the relatively high minimum income.

Who does not fulfill this, can also not expect a loan. The question arises what a borrower can do if the credit without schufa has already been rejected.

It also raises the question of whether there are any solutions at all. Let’s get to the most pleasant part of our guide to maxda credit without schufa.

There are solutions for an installment loan. In most cases, these are less complicated, cheaper, more flexible and easier to apply for.

What can I do to improve my chances of getting a loan??

Let’s start at the beginning, at schufa. schufa manages data records in the hundreds of millions of euros.

With this volume, it is quite possible that incorrect data has been stored or that old data has not been deleted. first task of a borrower is to check his schufa entries.

Every citizen has the right to receive a free schufa self-assessment once a year. Take advantage of this opportunity.

If you find an entry that is incorrect or outdated, ask the initiator to delete it. The second look is for existing loans.

Here a car loan, there the television financed via the electronics market, there the cell phone paid off in installments. This constellation pleases neither schufa nor potential new lenders.

bundle your existing loans into one loan. For debt restructuring, the credit broker smava has proven its worth. We will explain why in the following.

Get rid of superfluous credit cards. You remember alan harper?

Once this cleanup is complete, they can dare to apply for credit again. The starting position is definitely better.

If your schufa is in order, you do not use any other loans and only have a credit card, your chances are still better. Why, we explain.

The alternatives to maxda

Maxda is a long-established credit broker, but not the only one. Finanzcheck, creditolo, check24 or smava also play in the front row.

Smava’s business model, however, offers an exception. Usually, a credit comparison portal forwards the loan request resulting from the credit comparison to the desired bank.

This bank is now carrying out the credit check. If it is declined, the borrower has to start all over again.

Smava offers the "extended credit request". the customer’s request is received by smava.

Smava checks now on the basis of the customer data whether still further banks are found, which would approve a credit.

In addition to the offer from the directly requested bank, the customer receives up to six other loan proposals – with just one inquiry. Experience has shown that smava customers usually receive at least three proposals.

What does this tell us? A rejected credit application, even for a credit without schufa, means nothing. It depends rather on where the request is made.

Smava works with over 20 partner banks. The provider does not mediate loans without schufa, but very successfully loans despite schufa.

The smava service is provided at no cost to the applicant. Smava finances itself exclusively from the commission of the partner banks. We have written an extensive guide about smava, which you can read here.

Summary

It has probably become clear between the lines that we are not unreservedly opposed to the maxda credit without schufa. In our opinion, this offer is too restrictive and too expensive.

As an alternative to the credit without schufa offers the credit despite schufa.

Credit brokers such as smava can very well assess in advance which bank an applicant has a chance with and which does not.

The applicant saves time through the preliminary work of a credit comparison. With only one request he receives an overview of all banks that grant a loan.

Of course, it’s nice when an advisor not only analyzes and tests, but also makes a recommendation for action.

Based on our test, our recommendation for action can only be to use a credit comparison service such as smava. This saves disappointment, time and is, experience also shows, promising.

Frequently asked questions – FAQ

Not all of the questions that arise from our readers can be answered in a textual context.

We have therefore collected the most frequently asked questions and answer them here.

the applicant must meet all the requirements of sigma bank. If this is the case, the applicant can submit the application to maxda.

Countries such as switzerland or liechtenstein do not have an institution such as schufa and therefore do not have any inquiries there. Against this background there is definitely no entry of the credit at the german schufa.

Borrowers also keep in mind that no schufa inquiry is made in advance either. Unfortunately, this is not necessarily the case. Maxda explicitly refers to the schufa clause.

The sigma bank has quite a reputation for a serious credit without schufa. Basically, we are in a gray area with this topic, however.

At sigma bank, the maximum loan amount is 7.500 euro possible. The prerequisite is compliance with the strict general conditions.

Maxda also mediates credits despite schufa.

the so-called swiss credit of maxda is granted by the sigma bank from liechtenstein. It is a so-called credit without schufa.
The term swiss credit results from the time when the lenders were still based in switzerland.

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