“We bear responsibility”

adminonFebruary 16, 2022January 27, 2022Leave a Comment

Commemoration of the destruction of Dresden © Sebastian Kahnert

Of the 13. February is an important date for Dresden. Because on that day 73 years ago the city was massively destroyed. But the commemoration goes beyond remembering, says Sebastian Feydt, pastor of the Frauenkirche.

Interviewer: "Remember, reconcile and shape the future" is the headline of this year’s commemoration. What exactly is behind it?

Sebastian Feydt (pastor of the Church of Our Lady in Dresden): The 13. February is a memorable date for the people of Dresden. World War II, which began in Germany, returned to Dresden at the end of the war, and on the night of 13. on the 14. February, large parts of Dresden’s city center were devastated in the process.

We remember about 25.000 people who lost their lives that night in the city. It commemorates a war event at the end of the Second World War, and that is something that is inscribed, as it were, in the history of this city.

Interviewer: How is remembrance important for shaping the future??

Feydt: It is not just a matter of remembering, but also of becoming aware of our responsibility in the European context in 2018, and of setting a common accent for peacefulness with the partners we found after the Second World War. The reconstruction of Dresden’s Frauenkirche is intended to set an example of peace and reconciliation in the heart of the city.

In the Frauenkirche we have the Cross of Nails on the altar – a gift from Coventry, a city that had already been heavily destroyed by a German bombing raid in 1940. We need these signs of reconciliation reciprocally and we use remembering and building bridges to Poland, England, France to influence current events.

Interviewer: How do you mean that?

Feydt: After all, we don’t live on an island of the blessed, but we are in a changing world that is shaped daily by war events. The fact that we have been able to live in peace in Dresden for decades also means that we bear a responsibility for the fact that others have a very justified longing for peace and that we can contribute something to it. This is also a signal that goes out from this day.

Interviewer: In the run-up, as every year, there were demonstrating Nazis. Of course, there were also counter-demonstrations. How much did you know about it?

Feydt: The 13. February has been abused for decades. But in the recent past, we have succeeded in pushing back radical right-wing marches in Dresden considerably. There were times, just a few years ago, when thousands marched here under this flag. On Saturday, there has been another demonstration in an orientation glorifying National Socialism in part and in a way that falsifies history. It is important that we also name these falsifying approaches after Mr. Hocke’s speech in Dresden last January. Because a true remembrance must also be a historically accurate remembrance.

I find it quite respectable that there are just so many young people who make it clear again and again that they want to prevent these approaches glorifying National Socialism with all the means at their disposal. Also the human chain, which was formed on the evening of 13. The fact that the marches are to be held on February 1 is a sign that civil society is taking to the streets against the abuse of remembrance.

The interview was conducted by Verena Troster.

A model car is a model-scale passenger car, bus or truck.

Demarcation

Model cars are more or less fully functional and especially self-propelled cars in model scale.

In contrast, car models are usually not functional, stand models without drive such as z. B. Most models from wiking, herpa and many more.

The transition between these two terms is fluid, for example. B. For the car-system stand models equipped with the appropriate drive.

floor models

True to the original

They are mainly categorized according to their size or type. Scale or intended use of the prototype. In the german-speaking countries, the scales 1:87, 1:72, 1:43 and 1:18 predominate. In the field of construction machinery, the scale 1:50 is also widespread. The collector scale 1:24 has its origin in the U.S.A. And is still mainly collected there.

In addition, the scale of 1:24 is widespread in the model construction of floor models made of plastic or resin. Here, the models of the companies tamiya from Japan and revell are particularly worthy of mention.

Sheet metal models

In addition to the commercially available floor models, there have also been nostalgic models made of sheet metal since around the beginning of the 2000s. These stand models are offered in different scales and are made of sheet metal. The models are trimmed by finish to old, are collected and also used for decoration. These usually do not have a specific scale and are not an exact copy of an original.

Toy model cars

The model cars are intended to be played with by children. The matchbox company has become virtually synonymous with this category of toy. However, the transition from toy models to the higher-quality (more detailed) floor models is fluid, as can be seen from the matchbox line models of yesteryear or numerous schuco models can be seen. Just as for conventional car models, there is also an active collector scene for toy model cars.

Functional models

Similarly executed as stand models, it is in terms of faithful to the original the model car by means of radio remote control or as a slotcar to be able to operate on the car racetrack or. To be able to perform some functions.

Slotcar

The most famous manufacturers in this regard are carrera and ninco.

Remote controlled model cars

Main article: radio controlled model car

For the large scales there are companies like robbe and grauper.

Models with wiking-control are freely steerable in 1/87 scale like the large remote controlled models.

Car-system

Under this term fit the car-system. These are models equipped with drive and magnetic steering. The models are known as faller-car-system or mader-magnet-truck.

For the garden, there are 1/10th scale models with electronically assisted steering, while 1/87th, 1/100th and 1/160th scale models are used on the model railroad.

The models independently follow an iron wire or magnet embedded in the street. the best known examples are the vehicles in miniatur wunderland in knuffingen: miniatur wunderland#the cars

Competition models

You would like to buy a car, but you don’t have enough money in your call money account to buy the car directly? In this case, the only way to get the car of your dreams is to finance it. There are special loans for vehicle financing that are earmarked for a specific purpose. The interest rates are significantly lower, but you can only use the money exclusively for the car. Get to know the different credit options as well.

Where can you get a car loan?

You have the possibility to obtain a loan for car financing in different ways. For example, you can get a loan from the car dealer or the car bank. Dealer financing is very popular. But also branch and direct banks mediate the loans. A private loan from your personal environment is of course even better, since the interest rates are usually particularly low or are waived entirely.

Apply now for your car loan!

What types of car financing are there?

Before you take out an earmarked or a non-earmarked loan, you should still inform yourself about the different types of loans. A distinction is made between:

Financing without down payment or final installment
Credit with down payment, without final installment
Loan without down payment, with final installment
Loan with down payment and final installment
Credit for a car without schufa

The credit terms for your loan amount are also an important factor. It is not only about the interest on the loan. These can be creditworthiness-dependent or creditworthiness-independent. The terms and the flexibility of the loan are equally important.

Tip: if you take out a loan, you can pay for the car with cash and perhaps receive a discount. Here we speak of a cash discount.

Ongoing credit – what you need to know

This is the variant for the loan agreement in which you as the borrower do not pay either a final installment or a down payment. You apply for a loan from a direct or branch bank for the amount you want for your dream car. The vehicle financing runs like a normal installment loan. In the case of an earmarked loan, the car is transferred to the bank as security until you have paid all the installments.

A car loan calculator can help you to get an overview of the possible interest rates as well as other loan conditions. This way, the loan calculator will give you a first feel for what a good loan offer might look like.

Tip: perhaps the car dealer will offer you favorable financing with low interest rates. In some cases, the loan is even interest-free. However, you can sometimes save even more if you take out a loan at the bank with a slightly higher interest rate, but still save by a cash purchase at the car dealer.

The loan for a car with a down payment

You would rather have a short credit period? In this case you can opt for a car loan with down payment. This form of financing makes sense if you already have an amount for the purchase together. You should not use the dispokredit for the down payment, since this is accompanied by high interest rates. Depending on the amount of the down payment, the installment amount is lowered. This minimizes the risk of non-payment, as small installments are often easier to service even in the event of financial difficulties.

The loan with down payment can be taken both at the bank, as well as through the car dealership in use. More often, however, the car dealerships make it available.

Final installment financing for the car loan

Another variant is the final installment financing. This is also called balloon financing or balloon loan. Similar to a loan with a down payment, the installments for this variant are also low and the term of the loan is rather short. At the end of the financing there is the final installment. However, this can sometimes be very high. You may then have to take out follow-up financing without schufa or rescheduling, which may even be more expensive. Therefore, you should carefully consider whether the final installment financing makes sense for you.

Apply for your car loan now!

Can a loan for a car be taken out without SCHUFA?

You absolutely need a car, but perhaps you already have one or the other note in the SCHUFA? This can have a negative impact on your score. You may then not receive a loan. Here it can be helpful to look for a loan without SCHUFA. Keep in mind, however, that the interest rates for a loan without SCHUFA are set higher. The total cost of the loan increases. In addition, loans without SCHUFA are usually only available up to a certain amount.

Car financing – this is how it can be done

The car financing with constant installments to pay back is still the most popular variant and today also possible without much paperwork. You only have to consider the following points:

Compare offers

Before you decide on a loan, you should compare the contractual documents of different providers. Pay attention to some important points. How quickly is the loan repaid? What happens if you get into payment difficulties. How fast is the payment of your online loan??

The term is just as important an aspect as the loan payment. If you already have a car in mind, you need the money as quickly as possible. In some cases, the process can be even faster if the loan is earmarked for a specific purpose.

Also pay attention to the additional costs for the loan. Check the net loan amount and look at the comparison portal to see which bank will waive an early repayment penalty if you pay off the loan early. You may also be interested in the question of whether installment breaks are possible.

The pangv stipulates that all data must be presented transparently in every offer – regardless of whether it’s a small loan or a modernization loan. This includes the term of the contract and the net loan amount, but also the final installment, the effective interest rate charged by the lender, and other requirements.

Submit an application

In the next step, you make the credit request. You enter your name, main residence, income and the amount you wish to borrow. The credit decision in your favor can still be positively influenced if you already submit all the necessary documents. Income statement and proof of salary or pension statement and account statements, proof of residual debt insurance as credit security, term life insurance or other collateral are also a good point. The loan is usually granted within a short period of time.

In the application, you should also indicate the loan installments with which you would like to repay the loan amount. Make sure that the monthly installments match your income. It is better to set the amount a little lower and to pay off the loan more quickly with special repayments.

Tip: for your own safety, you should protect the vehicle with fully comprehensive insurance as long as it is being financed.

Carry out identification

Once you have received credit approval for the loan you want, all that is missing is the legitimation of your loan request. This can be done by postident or videoident. So make sure you identify yourself at the post office or online. Many consumer loans can already be accelerated today via online legitimation. Then you receive the payment of the amount.

You do not actually want to take out an instant loan? In this case, a leasing contract is an alternative to a loan. Here you can also negotiate good conditions and leasing rates and get a new vehicle. In the case of leasing, however, you should also insure the residual value of the car as well as any unforeseen events.

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