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☆ The 4 biggest mistakes young people make with money, according to a financial expert
▼ + stars: | 2023-06-05 | by ( Leo Ginsburg | Business Insider Deutschland | ) www.businessinsider.com time to read: +4 min

German financial expert Gerd Kommer breaks down the biggest mistakes young people make with money. One, he said, is the belief that interest-bearing bank deposits will earn them a lot of money. Wealth accumulation through interest-bearing bank depositsBelieving that wealth can be built through interest-bearing bank deposits is wrong, Kommer said. Believing that capital-building life insurance policies are sensible wealth-building productsA capital-building life insurance policy is a form of life insurance where the policyholder pays regular premiums and, in return, receives a guaranteed sum at the end of the term. There is also the risk that the insurance company may encounter financial difficulties, endangering the guaranteed payout, Kommer added.

Persons: Gerd Kommer, —, Kommer Organizations: Service, Gerd Kommer Invest GmbH Locations: Germany, South Africa, United Kingdom, London

Cramer has dealt with a huge number of pitch decks in her time as an entrepreneur and VC. She has shared on LinkedIn her top tips for creating a successful pitch deck. "If you want to build a brand, your pitch deck needs to highlight that brand. If you want to build a tool, you need a pitch deck that shows mock-ups of the product," Cramer wrote. It allows senders much more control over who reads their pitch deck — and who can forward it.

☆ I took a cruise around the Mediterranean. Here are 5 things that surprised me — from the coffee to the navigation.
▼ + stars: | 2023-03-16 | by ( Christian Mayer | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +4 min

Insider's Christian Mayer took a trip around the Mediterranean on the AIDAblu cruise ship. I recently booked a spontaneous weeklong cruise with the German cruise line Aida Cruises, a subsidiary of Carnival Corporation and PLC, one of the largest cruise companies in the world. The cruise sailed around Italy and Malta, starting off in Civitavecchia, a town on the west coast of Italy near Rome. A tiny ship approached the outer wall of our huge cruise ship, and, in whipping winds, the pilot climbed an outer ladder onto our ship. The ship served Starbucks coffeeThe price of the cruise included filter coffee with breakfast.

☆ A startup raised $79 million for its open smart-locker network. Check out the pitch deck it used to raise the funds.
▼ + stars: | 2023-03-08 | by ( Maybrit Martschin | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +2 min

Myflexbox is an Austrian startup that offers a smart-locker network. The company uses an open API to connect operating systems from different delivery providers. Insider has an exclusive copy of the pitch deck it used to raise 75 million euros. To help them achieve this, the founders recently secured 75 million euros, or about $79 million, in new funding. Insider has an exclusive copy of the pitch deck it used to raise the funds.

He's helped design the apps for a host of successful startups, including Gorillas and Arive. He then helped build Zapp, an app for delivery services in the UK, before designing the layout for Gorillas' app. He has since started his own business, Blossom, a design studio for apps, while he's also a designer-in-residence at the Swedish venture-capital firm Creandum, advising startups in the firm's portfolio on app design and recruitment. The company already had a functioning app, but Haas said the company tasked him with "cleaning up" the design. That's why the team also conducted interviews with the brands that sell their items via Arive's app, Haas said.

Pliant is a Berlin fintech that provides businesses with corporate credit cards. The startup just raised a $28 million Series A, which was led by SBI Investment. Pliant is a Berlin fintech that offers small and midsize businesses corporate credit cards. The company now has a five-figure number of credit cards in circulation across more than 1,500 small and midsize businesses, Rau added. It recently raised a $28 million Series A financing round, which was led by the Japanese venture-capital firm SBI Investment.

Ten years ago, he quit his job at the bank to live off dividends. May was his record month last year; he earned over 35,000 euros in dividends, Jonen said. "If you want to live off dividends, you have to start in your mid-20s. Exchange Traded Funds, or ETFs, are investment trusts that investors trade on the stock exchange in a way similar to regular stocks. Moving forward, Jonen said he wants to increase his positions, especially in the dividend ETFs, as they don't require much effort.

☆ I used ChatGPT to write a resignation letter. A lawyer said it made one crucial error that could have invalidated the whole thing.
▼ + stars: | 2023-02-10 | by ( Hendrikje Rudnick | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +6 min

Insider's Hendrikje Rudnick used it to write a resignation letter and showed an employment lawyer. I instructed the bot to "write a letter of resignation effective February 1 for an editor at Business Insider Deutschland." So I sent the letter to Pascal Croset, an employment lawyer in Berlin, who said the bot made one crucial error. It may be advisable to seek advice from an attorney or union representative before sending your resignation letter." Overall, I was surprised at how human ChatGPT could seem and at how little information it needed to produce a resignation letter and legal advice.

☆ I've made millions with real-estate investments despite starting out with $45,000 of debt. Here's how I scaled my business.
▼ + stars: | 2023-02-07 | by ( Alexandra Habdank | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +5 min

Maximilian Reidl found himself 42,000 euros in debt in his early 20s. He paid off his debt after buying and selling a property for a 100,000 euro profit. I was overweight, I drank too much alcohol, and I had to find a way to pay off my debt. I knew the real-estate market well as I was the real-estate officer at the bank. I've made mistakes in my investmentsThe biggest loss I've had so far was around 100,000 euros.

Insider has an exclusive copy of the pitch deck Kewazo used to raise $10 million. Kewazo's clients include the multinational construction firm Bilfinger and the industrial-services firm Altrad. Kewazo recently raised a $10 million Series A funding round, which was led by the US venture-capital firm Fifth Wall. The early-stage Boston investor Cybernetix Ventures, the Texas venture-capital firm Unorthodox Ventures, and the German construction-software company Nemetschek also took stakes in Kewazo. Insider has an exclusive copy of the pitch deck that Kewazo used to raise the funds.

☆ Germany, the US, and the UK are sending armored vehicles to Ukraine. Here's how the Leopard 2A6, M1 Abrams, and other NATO tanks compare.
▼ + stars: | 2023-02-02 | by ( Lara Jäkel | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +1 min

Ukraine has been urging Western countries to supply it with tanks it can use against Russia. German Chancellor Olaf Scholz relented to pressure and agreed to send Leopard 2A6 battle tanks. Here's how the "predator on tracks" compares to NATO armored vehicles heading to or in Ukraine. After months of mounting pressure and calls from other European leaders to act, German Chancellor Olaf Scholz agreed on January 24 that Germany would send 14 Leopard 2A6 tanks to Ukraine. This is how the tank compares to other Western armored vehicles being sent to Ukraine.

☆ An ex-McKinsey consultant shares 5 myths about management-consulting interviews — and what to prepare for instead
▼ + stars: | 2023-01-27 | by ( Hendrikje Rudnick | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +4 min

An ex-McKinsey consultant listed five common myths about management-consulting interviews. Top management-consulting firms such as McKinsey & Company, Boston Consulting Group, and Bain & Company, known collectively as MBB, are notorious for their challenging interviews. Interviewers are trained to refrain from asking such things," Koné said. Instead, you'll face a series of case-study interviews where the interviewer will give you a problem from a previous project, he continued. "If you depend on specific knowledge to solve problems, you'll struggle when you have to tackle problems that take you out of your comfort zone.

In her role as a recruiter at the German HR consultancy Heinrich & Coll., Eva Brückner looks for potential middle- and upper-level managers in the defense industry. "There has been a notable removal of taboos in the defense sector," Brückner said. She gets applications from people already working in the security, defense, automotive, or mechanical-engineering industries, she continued. "They don't have to have worked in the defense industry for a long time. Female candidates should understand before they apply that men still dominate many defense companies at the executive level, Brückner added.

Judith Schaus, 32, left Berlin with her husband and son for a farmhouse in the countryside. She said the move's changed their lives and that farm DIY has given her a sense of self-confidence. Judith SchausWe got the idea of moving to the countryside during the COVID-19 pandemic after we toured Brandenburg in a van. Judith Schaus. Judith SchausWe also have raspberries, currants, and loads of fruit trees on the property.

☆ I tried Dry January and quit drinking for the rest of the year. Here are 4 reasons why I'll never go back to alcohol.
▼ + stars: | 2023-01-11 | by ( Lisa Dittrich | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +5 min

Insider's Lisa Dittrich gave up drinking alcohol for a year. "I realized that although I had fun drinking, it took away much more than it gave me," she writes. When I stopped drinking alcohol one year ago, I had no idea how I was going to keep it up. Anyone who doesn't drink alcohol knows — and probably hates — the question "Why don't you drink?," myself included. I realized that although I had fun drinking, it took away much more than it gave me.

Transmutex is a nuclear-energy startup based in Geneva, Switzerland. It aims to provide clean, safe nuclear energy using its transmuter solution. Insider has a copy of the pitch deck it used to raise $8 million. The startup's aim is to provide clean nuclear energy by solving the nuclear-waste problem. Insider has a copy of the 17-slide pitch deck Transmutex used to raise the funds.

She said she had three sugar daddies and made about 80,000 euros last year. I got into sugar dating after an encounter on Tinder. But to be clear, I think sugar dating is definitely sex work — I don't want to gloss over that at all. There were also some trips on top of this where I accompanied my sugar daddies on business trips or vacations. At the beginning of a sugar relationship, I try to clarify exactly how much I would like.

☆ B2C startup HelloBello delivers healthy dog food to your door. See the 16-slide pitch deck it used to raise $1.8 million.
▼ + stars: | 2022-12-21 | by ( Maybrit Martschin | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +1 min

HelloBello is an Austrian startup that aims to deliver healthy dog food to your door. The startup offers a subscription model for clients to receive customized recipes for their dogs. Insider has a copy of the pitch deck it used to raise $1.8 million. In November 2022, HelloBello raised a seed round of 1.7 million euros, or around $1.8 million. The founders want to use the new capital to build up their team, launch more food recipes, and continue their expansion into Germany.

Insider has compiled a list of six cities where you can live for $1,000 or less per month. Insider has compiled a list of six cities where you can live for $1,000 a month, using data from the comparison website Numbeo, which provides a crowdsourced summary of the cost of living in major cities across the world. In Rio, you'll need about $940 a month to cover an apartment in the city center and your living expenses. An apartment in the city center and living expenses would set you back around $700 a month. A one-bedroom apartment outside the city center and living expenses would set you back around $940 per month.

German-style Christmas markets crop up all over the world this time of year. For me, a visit to a Christmas market is an essential part of the festive season. Whether with family, friends, or colleagues, a Christmas market and a few glasses of mulled wine always hit the spot. I visited the "Weihnachten an der Spree," or Christmas on the Spree, all-inclusive Christmas market in Berlin, Germany, to see if it was worth it. So if, like me, you like to stroll through Christmas markets and look at stalls full of handcrafted objects, decorations, and other knickknacks, you'll be disappointed.

☆ Qunomedical helps patients access healthcare around the world. Check out the 10-slide pitch deck it used to raise $10.5 million.
▼ + stars: | 2022-11-28 | by ( Maybrit Martschin | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +1 min

Qunomedical is a Berlin digital healthcare startup that seeks to help patients find doctors abroad. Qunomedical is a digital healthcare startup in Berlin that helps patients access healthcare information, doctors, clinics, and treatments around the world. Qunomedical just raised a Series A funding round of 10 million euros, or about $10.5 million. Investors included the US fund MS&AD Ventures, Calm/Storm Ventures, Bertelsmann Investments, and the early-stage investor Dieter von Holtzbrinck Ventures. Insider has a copy of the pitch deck Qunomedical used to raise the funds.

☆ I quit drinking coffee for 4 weeks. My hands stopped shaking and my skin cleared — here's how I coped with withdrawal and what I drank instead.
▼ + stars: | 2022-11-22 | by ( Julia Poggensee | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +4 min

I love a cappuccino or a black coffee in the morning, and I have long drank one to two cups of coffee a day. Once I started, it wasn't long before I started to get big cravings for it in the afternoons. Black tea, Club-Mate, maté tea, and matcha tea are also good coffee alternatives that still contain some caffeine if you're just looking to cut down rather than give it up. I felt better in the long runAfter one to two weeks without drinking coffee, I felt awake and was highly productive. For those who are set on giving it up, the most important thing is to find a good alternative.

☆ A couple spent $40,000 to convert a van into a luxury tiny home where they live and work while traveling the world — see inside
▼ + stars: | 2022-11-22 | by ( Lisa Dittrich | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +5 min

Jan and Marie Koza are a couple who spent 60,000 euros buying and converting a Citroën Jumper van. They now live, work, and travel the world in the van, aiming to spend 1,000 euros a month each. "We paid 20,105.38 euros for it, which included the registration fee and some other little things," Marie told Insider. They spend most of their money on gas and provisionsIn the Canary Islands, the couple spent 173.03 euros on gas and 870.39 euros on provisions each month, they said. In total, the couple said they spent 2,621.16 euros in the Canary Islands on "variable costs," including tolls and ferry fare.

☆ A Google recruiter reveals the 4 criteria the tech giant uses to select candidates and what a successful résumé should look like
▼ + stars: | 2022-11-17 | by ( Hendrikje Rudnick | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +4 min

She told Insider the four key criteria the company uses to select candidates. Despite mass layoffs in the tech industry, Google is currently hiring for 2,334 jobs worldwide, according to its website. She told Insider the four key criteria the company uses to select candidates and what it looks for in a résumé. Candidates should use the X-Y-Z formula for a successful résumé, Emily Salkey, a program manager at Google, previously told Insider. The 4 criteria Google uses to select candidates"We don't do an assessment center," Penkhues said, adding that candidates usually face three to five interviews.

☆ An investor with a $1.8 million portfolio says he sees financial crises as the perfect time to invest in stocks — here's his strategy
▼ + stars: | 2022-11-09 | by ( Leo Ginsburg | Nathan Rennolds | Business Insider Deutschland | ) www.businessinsider.com time to read: +6 min

His total portfolio is worth around $1.8 million. He broke down his investment strategy for Insider and why he saw crises as opportunities. He started investing in the stock market 30 years ago and now has a portfolio worth $1.8 million, he told Insider in an interview. Schäfer told Insider about his investment strategy and how he used financial crises to his advantage. "A nice entry point is when a successful company is experiencing a problem and the stock price halves," Schäfer said.

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