The choice between BWL (Betriebswirtschaftslehre, or business administration) and Banking and Finance depends on your career goals and interests. BWL provides a broad understanding of business management, including areas such as marketing, accounting, and human resources, while Banking and Finance focuses specifically on financial institutions and markets. If you are interested in a career in banking, investment, or financial analysis, Banking and Finance may be the better choice. However, if you are interested in a broader range of business opportunities, BWL may be more suitable. It's important to consider your long-term career goals and the specific skills and knowledge you want to develop. **

A mortgage is a specific type of loan that is used to purchase real estate, typically a home. It is a secured loan, meaning the property serves as collateral for the loan. On the other hand, a loan is a broader term that can refer to various types of borrowing, such as personal loans, auto loans, or student loans. Loans can be secured or unsecured, depending on the lender's requirements. **

A debt collection loan shark is a person or organization that lends money to individuals at extremely high interest rates, often using aggressive or illegal tactics to collect payments. They target individuals who are in desperate need of quick cash but may not have access to traditional forms of credit. These loan sharks can trap borrowers in a cycle of debt, making it difficult for them to repay the loan and escape the high interest rates and fees. **

In the event of death with a mortgage loan, the responsibility for the loan typically falls to the deceased person's estate. The executor of the estate will need to notify the lender of the borrower's passing and make arrangements for the outstanding balance to be paid off. If there is a co-borrower or co-signer on the loan, they may become responsible for the remaining payments. In some cases, life insurance policies or other assets may be used to settle the mortgage debt. **

Your mobile phone credit balance typically does not roll over to the next month. Most mobile phone plans operate on a monthly basis, so any unused credit at the end of the month is usually forfeited. It's a good idea to check with your mobile phone provider to confirm their specific policies regarding credit balance rollovers. **

No, it is not possible to keep the operating cost credit with Hartz 4. Hartz 4 is a social welfare benefit in Germany that is intended to cover basic living expenses, and any additional income or credits received may affect the eligibility for the benefit. Therefore, if one receives operating cost credit, it is likely to be considered as additional income and could impact the amount of Hartz 4 received. It is important to report any additional income or credits to the relevant authorities to avoid any issues with Hartz 4 eligibility. **

No, you cannot keep the operating cost credit with Hartz 4. Hartz 4 is a social welfare benefit in Germany that provides financial assistance to individuals who are unemployed or unable to work. The operating cost credit is typically associated with a job or employment, so it would not be applicable to individuals receiving Hartz 4 benefits. It's important to report any changes in income or financial circumstances to the relevant authorities when receiving social welfare benefits. **

It is not advisable to finance your entire studies with a student loan. While student loans can be helpful in covering some of the costs of education, relying solely on loans can lead to a significant amount of debt that may be difficult to repay after graduation. It is important to explore other options such as scholarships, grants, part-time work, or saving money beforehand to reduce the amount you need to borrow. It is recommended to borrow only what is necessary and to have a clear plan for how you will manage the debt after completing your studies. **