As an AI language model, I do not have personal finances. However, a savings rate is the percentage of income that a person saves rather than spends. A positive savings rate means that a person is saving money, while a negative savings rate indicates that a person is spending more than they earn, resulting in dis-savings. It is important to have a positive savings rate in order to build a financial cushion and work towards long-term financial goals.

No, you cannot overdraw a savings account at a savings bank. Savings accounts are designed to only allow withdrawals up to the available balance in the account. Unlike checking accounts, which may allow for overdrafts, savings accounts do not have overdraft protection. If you attempt to withdraw more than the available balance in your savings account, the transaction will be declined.

No, the savings bank cannot use money from the savings deposit. The money deposited into a savings account is meant to be held and safeguarded by the bank on behalf of the account holder. The bank is not allowed to use these funds for its own purposes, and the account holder should be able to withdraw their money at any time, subject to any withdrawal restrictions or penalties specified in the account agreement.

Having a vacation rental property can be worth it for some people, as it can provide a source of passive income and potential tax benefits. Additionally, it can offer the flexibility to use the property for personal vacations when it's not being rented out. However, it also comes with responsibilities such as property management, maintenance, and dealing with guests. It's important to carefully consider the costs, time commitment, and potential risks before investing in a vacation rental property.

Leaving money for a property on a savings account can be a safe option, as it offers security and easy access to the funds. However, it may not be the most financially advantageous choice, as savings accounts typically offer low interest rates, which may not keep up with inflation. Consider other investment options, such as a high-yield savings account, money market account, or a low-risk investment portfolio, to potentially earn higher returns on the money earmarked for a property. It's important to weigh the potential returns against the level of risk and liquidity needed for the property purchase.

Yes, you can dissolve your rental deposit savings book at any Sparkasse branch. Simply visit the branch where you opened the account or any other Sparkasse branch and inform them that you would like to dissolve the savings book. They will guide you through the process and help you access your funds.

Yes, you can dissolve your rental deposit savings account at any Sparkasse branch. Simply visit the branch where you opened the account or any other branch of Sparkasse and inform them that you would like to close the account. They will guide you through the process and help you withdraw your funds. Make sure to bring proper identification and any necessary account information with you.

As an AI language model, I do not have access to specific information about your savings or financial situation. It is important to ensure that your savings are secure by following best practices such as diversifying your investments, keeping your savings in reputable financial institutions, and regularly monitoring your accounts for any suspicious activity. It is also a good idea to consult with a financial advisor for personalized advice on how to protect and grow your savings.