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Sabine Krauß - selbständige Finanzberaterin der FIBA Immohyp GmbH

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Sabine Krauß - selbständige Finanzberaterin der FIBA Immohyp GmbH

FInanzen ist für viele Menschen eine Vertrauenssache. Gerne unterstütze ich Sie bei einer maßgesc

26/03/2025

🇩🇪📉 “Germany’s fat years are over”

This is the provocative title of the book by Prof. Dr. Gunther Schnabl, now with the Flossbach von Storch Research Institute. He was recently a guest on Dr. Andreas Gröpl 🎙️ and explained in around an hour how Germany got into this situation and what it needs to return to the economic miracle. 🚀📈

Prof. Schnabl has been convincingly advocating this position for some time - yet one often wonders why bright minds like him are rarely heard in politics.🤔💡 He also provided valuable insights on this topic.
The discussion is thought-provoking: What concrete steps are needed to sustainably strengthen Germany’s economy? 🌱💬

25/03/2025

Short, inspiring and full of impetus 🚀 - that was the IHK General Assembly!

Our President Manfred Schnabel gave exciting insights into current activities such as the election arenas in Mannheim and Heidelberg and explained the current political situation as well as the efforts of the business community to actively counteract it and make their voices heard. He was supported by our Managing Director Dr.Axel Nitzschke on the topic of current affairs and by Andreas Kempf with an insight into a study on the Rhine-Neckar region. Very impressive.

The highlights from the IHK were also particularly interesting: Stephan Deuser presented the new „Start-up Companion“ service for founders 🌱, Mario Klein gave an impressive report on the laborious but successful commitment to the topic of transport on the political stage🚦 and Ellenbracht gave valuable impetus to the inner city activities 🏙️, there is also a new network here.

All in all, it was a great meeting that followed the motto: “Do good and talk about it.” The discussions that followed were as lively as they were inspiring! 💡

Many people don’t even know what’s “behind” the IHK - do you? Write your experiences in the comments! 👇

17/03/2025

The presentation of the Schiller Prize to journalist and author Golineh Atai was an impressive event 🏆

Lord Mayor Christian Specht presented her with the 20. 000 prize, followed by her entry in the Golden Book of the City of Mannheim 📖

Instead of a traditional laudatory speech, Juna Grossmann conducted an interview with Atai, accompanied by four video sequences featuring interviews with those affected from Lebanon 🇱🇧, Iraq 🇮🇶, Syria 🇸🇾 and Iran 🇮🇷. The universal desire for a peaceful life without war became clear.
Atai emphasized that in-depth journalism often requires unconventional research paths and that countries that have been ruled autocratically for a long time subsequently have difficulties in introducing democracy due to the resulting void ⚖️

She also pointed out that Iran’s terrorist measures are often less publicly discussed than those of IS, although they cause a greater proportion of deaths. It was also impressive that Atai donated her prize money to a paraplegic Iraqi student in a wheelchair who was injured during a demonstration against Iran 🇮🇷

Afterwards, there were many inspiring discussions over a glass of sparkling wine 🗣️🥂

09/03/2025

📢 Review of International Women’s Day at the Mannheim Evening Academy 🎉

Today, Zahra Deilami, Equal Opportunities Officer of the City of Mannheim, opened the day of action with a historical review of key achievements for women’s rights over the last 80 years:

✅ 1958 - Equal Rights Act: women were finally allowed to work without their husband’s consent. ✅ 1977 - Reform of marriage and family law: the obligation to run a household was abolished and women were given full professional freedom. 1997 - Marital r**e becomes a criminal offense: A long overdue step for the protection of women. ✅ 2015 - Women’s quota for companies: At least 30% women on supervisory boards of large companies. ✅ 2016 - “No means no” law: Clear legal action against sexual assault.

Susanne Deß, Managing Director of the Abendakademie, emphasizes the role of the Abendakademie as an open meeting place for discussing socially relevant topics.

🔹 Inspiring workshops included discussions on networking & elevator pitching with Karin Brückner - how women can strategically position themselves in the world of work.
🔹 A particularly insightful and philosophical lecture dealt with “Between autonomy and connectedness - what does self-determination mean today?” with Sophia Disson.
🔹 The topic “Why is feminism also a men’s issue?”, presented by Simon Kumleben, also brought exciting insights: Many everyday disadvantages for women - from unisex workwear - to AI-based discrimination and the often gender-unspecific evaluation of medical studies - were highlighted.

An enlightening, inspiring day with lots of new ideas. Thanks to everyone involved! 💜

03/03/2025

66 days of the new year are up on March 7.
 March 7 - it’s getting better, but there are still 66 days too many!

What am I talking about? Equal Pay Day 💰The gender pay gap in Germany currently stands at 16%
 Yes, better than last year’s 18%.
 But 16% is still 16% too much.

Why should a man earn 16% more than a woman for the same job?

Same work, same pay - sounds logical, doesn’t it? And yet it still takes 66 days for women to get to where men were financially on January 1.

What do you think? How can we finally close this gap? 👇💬

PS: On March 7 at Rheingalerie Ludwigshafen (12:30-14:30) there will be information on the gender pay gap from the equal opportunities officers of the Rhein-Pfalz-Kreis & BPW Mannheim-Ludwigshafen. Or come to the After Work Meeting in Fußgönheim at 6 pm with wine tasting & talks. Tickets: 12 €, info: [email protected] 🍷

21/02/2025

Did you know that an interest rate difference of just 0.5% can save you thousands of euros? A customer of mine almost fell into this cost trap.

The situation was dicey: she was about to sign - out of trust in her bank. But I strongly advised her to get two more quotes.

She reluctantly agreed. The result? An interest rate difference that saved her more than €10,000 over the years.

Her reaction? “I would never have thought that a comparison could make such a difference!” 💸

Have you really looked at all the options? If not, start now! Let’s talk in the comments about how you can get the most out of your financing👇

18/02/2025

🎿 Ready for vacation - but also thoughtful.
 I fight for my customers 💪 and experience exciting cases time and time again: Some financing is feasible for a bank, others are not. However, there is an increasing number of cases that are only approved by the 3rd or 4th bank - even though they have convincing key data in the personal and property-related credit check 🤔

Particularly striking: older properties 🏡 are also becoming increasingly problematic. This gets me thinking: are the requirements for financing changing? How is the market developing?

For now, I’m taking a week off to recharge my batteries at a distance ⛷️🏔️

But I am interested: Have you had similar experiences? 💬

14/02/2025

Many underestimate how crucial the first comparison is. Do you have the right offers on your radar?

A comparison is always worth it! 💰 Even small differences in interest rates can cost - or save - thousands of euros over the years.

🔹 Don’t just look at the interest rate! Special conditions like flexible repayment options or extra payments can be decisive in the long run.
🔹 Use online calculators and platforms! They provide a quick market overview - but personalized advice remains essential.

Those who compare, save. Those who sign blindly, pay the price.

How do you search for the best offer? Share your approach! 👇

14/02/2025

Buying Property Made Easy: The Most Important Questions Before Taking the Next Step

Buying a property 🏠 is one of the biggest decisions in life – and overlooking the wrong questions can cost you in the long run.

🔹 Can I afford the property in the long run? It’s not just about the mortgage payments – additional costs like maintenance, utilities, and financial reserves should be part of your calculations 💶
🔹 Does the property truly fit my life goals? Consider the location, size, and potential future changes. What seems perfect today might become impractical tomorrow 🏡✨
🔹 Have I explored all my options? Grants, interest rate comparisons, and flexible loan conditions can save a lot of money in the long term 🔍💡

My tip: Create a pros and cons list to gain clarity – and consult an expert before making a final decision.

Which question do you think is the most important when buying a property? Let us know! 👇

09/01/2025

What is more difficult: selling a property or releasing a bond? 🤔

This week I’m taking care of my father’s childhood home - memories, decisions and a lot of organization.

Between the rollator, the hairdresser and the snow chaos, business doesn’t stand still either. But it’s moments like these that show how important a clear plan is - whether you’re buying or selling a property 🏡

Do you have similar experiences? 👇

30/12/2024

Who is really taking the time to plan the goals for 2025 - and do it properly? 🧭

Sure, many people quickly write something down for their job. But let’s be honest: what about your health? Your relationships? Your finances? Your purpose in life? Most people ignore this until their health screams „Stop!“ or everyday life eats everything up.

We took 3 days out - intensive, inspiring and honest. It was about the big questions: What do I really want? What values drive me? And how can I create a life that fulfills me? Highlight: A self-designed vision board, which some people worked on late into the night. It was pure energy - with great people and a trainer, Sebastian Kühner, who knew exactly how to challenge us.

Now it’s time to put it into practice. No excuses, no procrastination. Focus. Power. Clarity. 💥

What’s it like for you? Are you taking time for your life or just for the next step in your career? I look forward to hearing your thoughts and experiences! 👇

25/12/2024

🎄 Merry Christmas and a wonderful New Year! ✨

May this special time be full of joy, warmth and love. Take a few moments to enjoy the here and now - and let your wishes, dreams and visions for the new year come to life.

Here’s to a healthy, fulfilling and happy 2025! 🌟

Best wishes
Sabine Krauß

Adresse

Josef-Reiert-Str. 4
Walldorf
69190

Öffnungszeiten

Montag	08:00 - 18:00
Dienstag	08:00 - 18:00
Mittwoch	08:00 - 18:00
Donnerstag	08:00 - 18:00
Freitag	08:00 - 18:00

Telefon

+4917621609068

Webseite

http://www.fiba-immo.de/

Benachrichtigungen

Lassen Sie sich von uns eine E-Mail senden und seien Sie der erste der Neuigkeiten und Aktionen von Sabine Krauß - selbständige Finanzberaterin der FIBA Immohyp GmbH erfährt. Ihre E-Mail-Adresse wird nicht für andere Zwecke verwendet und Sie können sich jederzeit abmelden.