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If the tax increase?

The growing national debt must be tackled with an increase in revenue

The rescue operations undertaken by the State at present, to the economy from a deep to preserve recession and many companies from possible bankruptcy, will lead to a rapidly growing national debt. Forward-looking observers make is therefore thought to how the resulting deficit can be compensated in the government again. On the expenditure side, the margins are not only due to the lack of popularity of limited funding cuts but also because many expenses are based on a legal basis and contractual arrangements that can not be disregarded without further notice or been terminated. So are attempts must be made to the revenue side of the balance.

In plain language this means that taxes must be increased be.

The taxes on income and profits it is because of the negative incentive effect, however, very reluctant to talk at all of the necessary tax cuts. This could lead to a stimulation of consumption and investment to growth and thus higher tax revenues to finance so themselves. Experts, however, certainly not in the assessment of impact chains, whether that actually works - not to mention the unpredictable time delay before taking effect occurs. So the only value added tax. It is a tax on consumption, so the negative effect on investment and thus for economic growth initially low. Can However, the companies due to a sluggish consumer spending, the increase in VAT is not - as should have been tax-technical - to pass on to consumers, the profits are also affected, and thus suffers from the investment capacity of companies, which in turn would dampen the growth of national product. It also comes
to anticipatory: consumers behave rationally when major purchases such as cars or home ownership now active and not wait until after the tax increase. Economically, this pre-buying are missing but the consumption of the next period.

The economic Joker VAT

that a value added tax increase is politically relatively easy to enforce, has shown a drastic increase in the last 16 to 19 per cent for the standard rate, which ran through the federal government after the elections in autumn 2005. The negative impact of this action on the straight back a little more robust expectant economy was indeed noted by many experts, the increase came but overall little resistance, because - unlike the income tax - a tax increase is less obvious in the pockets of voters reflected.
The resulting higher prices are charged to the dealers rather than politics. What could be more than to finance the resulting deficit again to use the VAT? has to be - is spoken by 6% to 25% then - but should be a noticeable effect can be achieved, would have been a drastic increase. The apparently simple solution to the national debt, however, like any medicine other side effects: it must be an increase in illegal work is concerned, in addition, it is also ultimately a loss of consumption to a if are also slowly becoming effective reduction of growth - as the experience the last economic cycle have shown.

Differentiated increase

experts therefore propose instead a marked increase in the standard rate the abolition of the split value added tax rate before. The reduced VAT rate of 7% on some goods was originally founded social: goods and services for everyday use should be less burdened. It appeared, however, over time, that a general betterment of such foods, books, and some services also, and especially middle and higher income groups benefit, their consumption is subsidized. If we operate the reduction of subsidies as a means against unjust taxation and growing national debt seriously, the introduction of a uniform VAT rate would be certainly a reasonable measure. It will avoid that the general duty actually have to climb to astronomical heights. One seems to be clear, at the latest after the election is a however configured sales tax increase be inevitable.

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Bauaufklärung: ready is not ready to move

Who believes in a "ready" to move in the same house, is in retrospect often wrong.

Although the term now for many years is common in the industry, most developers understand something quite different among them, as the providers of such turnkey houses themselves Here are inevitable misunderstandings that the often ignorant homeowners often to his detriment . Redound
One should really believe that the concept is sufficiently well established, because you can build ready-now familiar in all construction methods and procedures and it also has many advantages. Thus, the ideal client an accurate cost control, a pre-calculated fixed price and often a relatively small construction period.
especially for the laity, and those are almost all clients before their first house building project suggests that a high level of security and transparency.
will launch into full confidence in the experienced hands of the construction companies and is looking forward to a completely finished house that waits only for the moving van.
But this is precisely the great error or Reason for initially described misunderstandings. Indeed, it is quite common for a turnkey house is not ready.

A generally accepted definition of "ready" is not

A main reason for sure is the fact that the concept is not protect in any way defined yet somehow legally, but by every provider any differently and interpreted.
Basically you can say that looks after the property developer, up to the last screw everything, but in rare cases, it is said that "the last screw to screw it himself.
As the Court rulings in recent years show is also the only justiciable, which contracted in the construction and specifications.
are in the course descriptions often do not include painting, wall and floor coverings and their installation are missing, the connections for electric - and sanitation, and sometimes even the base plate.
Therefore, the purchase agreement attached specifications include all of the individual trades work to be done. Some vendors add their building specifications also known as "negative catalogs" that had then explicitly identify what all is not done.
But where the layman supposed to know at all, reveals exactly how he has and what services it should necessarily exist, and then afterwards not to fall into a hopeless case cost?

professional and independent advice strongly recommend

To avoid these costs in advance Fallen sure everyone is wishing to build therefore strongly advised to make use of a professional and independent advice and Bauaufklärung. Architects and civil engineers who offer an independent expert or Bauaufklärer their services, so with the customer the study design and performance description of the different providers and find all those missing work, think about a layman would never. By
not calculated Costs for a turnkey object can easily be added some ten thousand euros in additional costs that may end the financial strain of the clients to the utmost and the dream of owning a house over many years could be a nightmare. The company offers
COM concept, therefore, only a completely ready to move house, which requires the calculated fixed price no longer capitalized.
But all that is later rather for another, decide not offered by their type of house, can the performance of the concept of COM Bauaufklärer as independent consultants for your home search more like to complete.

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activity Bauaufklärer

New Service for construction clients, the future builders Bauaufklärung can not abandon

Experience has shown that most domestic customers are initially only very vague ideas of what to expect with the construction of a detached house so on it. Thus, the dream house in unrealistic planning, sales-only advice and lack of transparency of costs can quickly become life-long nightmare. It is this ignorance to the building owners to make use many suppliers, and like anywhere there is a lot of money is often tricked, covered up and concealed.
is no coincidence that the house building sector, which sometimes plays very skillfully with the wishes of many house owners, often a dubious reputation.
That is another way, this year proves the new Berlin-based company active in the market COM Concept.

here called the customer service Bauaufklärer, and that is to be taken absolutely literally. Through years of experience of employees and their know-how in construction to the customer in advance about to be fully informed, where usually hidden costs, fees, phony Herstellpreise, sudden additional expenses or useless or overpriced services included or a priori planned systematic way.

short, it is the industry more transparent by Bauaufklärung for future builders be.
Bauaufklärung means even more. Namely, if in doubt to also advise against building projects can, because as the construction would restrict the personal lives of clients financially too much.

builders information days

For those who only want to check times, there are regular free Concept of COM clients information days with many good tips. The dates can be found on the Internet on the homepage of the company under http://www.kom-concept.de/ .
The good thing is it is not obliged to and can be informed in detail and advice without pressure. Armed with this knowledge, it is then much better able to put the house seller the right questions. The issue of site selection and home financing will be explained in detail at the information sessions by expert guest speakers of the respective divisions.
also for all who have been at a construction company and feel uncertainty about their decision, everyone is welcome and will be informed on request for free on the "fine print" of the existing contracts and tenders.
With all this knowledge, equipped, you can then "concept" for the currently offered either house of the company to decide COM Concept or you can go, now as a professional and not only as a layman in the next sales meetings and negotiations of the other construction companies and suppliers in the industry.

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real estate vs. social unrest

Scientific Study confirms link between property ownership and avoid social unrest

DGB, Michael Sommer, and the former candidate for the federal presidency, Gesine Schwan, warned of social unrest in Germany as a consequence of the prevailing economic crisis - an issue that just poses during election campaigns substantial explosives. The search for effective political action against the growing inequality in society, will result in the U.S., because there was a significant relation skillfully exploited, namely between homeownership and social conflict. Unfortunately, the attempt to prevent the promotion of home ownership social tension, to over-stimulation of the real estate finance itself
The search for the causes of the current economic crisis, then passed quickly to the U.S. housing market. The provision of loans to less wealthy clients who wanted to fulfill the dream of own house, was - in addition to moving of dubious credit accounts - identified as one of the evils in the system. On closer examination, however, shows that the promotion of home ownership for decades been a cornerstone of American social policy: the banks were expressly encouraged by the policy to allow even poorer strata of the population to build houses - from governments of all political persuasions. This is by Professors Eggert and warriors of the University of Paderborn in a June article appeared in the service economy has impressively demonstrated (Business Service - Journal of Economic Policy 6 / 2009). The U.S. housing policy is based on the finding that home owners in crisis situations, such as unemployment or illness, and at the age of welfare cases are rare. They are not only less vulnerable to homelessness, the fact that they have home ownership gives them a social status that makes it easier to bridge support to receive and to overcome such difficult situations.

promotion of property shall be protected from poverty and avoid social unrest

In a society that places the responsibility of the individual in the foreground, ie, reduced unemployment benefits, social assistance and publicly financed pensions on and on, it is evident that the promotion of owning a home becomes especially important. Sociologists in the United States identified a circular relationship: in cities with high home ownership rate, the need for social support is significantly lower than elsewhere. Conversely, a scaling back of social services, as we have for some time observed in Germany, to a higher ownership rate, since people at least want to ensure that roof over your head ', though other life risks are acute. (See, eg, Castles 1998). Some authors even go so far to be stated clearly that a higher ownership rate in economically underprivileged classes reduces the likelihood of social unrest (Star Love 1967 after Bratt 2009).

home ownership does not lead to crisis

The concept of the citizen by a high proportion of home ownership to better protect crises and give them a solid foundation for obtaining a high social status, is still valid. Especially in a situation in which the state can insure risks life less and less comprehensive (and will), you can not do without this instrument of economic policy.
What to do, however, a critical development, as we had to watch them in the United States to prevent?

educate the customer about the risks associated with financing and construction urgently

is secure have been missed in the past to regulate the financial sector effectively. Supervisors will be so-called financial innovations that shift the risks in the form of a pilot game advancing to the respective market participants and to a complete lack of transparency the distribution of risk in lending out, have a closer look in future. The days of a naive belief in progress in the blessings more daring financial constructs are over. But this must not lead to the lending is in well-secured projects for building owners to the problem. Therefore it is necessary to shed light on the supply side. Future homeowners must evaluate their financial options realistically. The price-performance ratio in house provider has to be right, and the house has the financial ability of the owners comply. Construction or purchase of residential property in Germany is comparatively expensive, and correspondingly low, the ownership rate. Here the market is asked to offer alternatives, affordable homes that allow families with average incomes to provide home ownership and thus provide for the future.
true pioneering work in these fields that a young company based in Berlin, the COM Concept GmbH, which offers a very interesting building offer each potential customer first full advice and Bauaufklärung.

Conclusion

The unrest is high, and rightly fear among many people, the burden of the crisis are unloaded on one side on her shoulders. Even a threat of social unrest in Germany is the question. With all due caution, in view the development in the U.S. seems necessary, should the instrument of increasing the rate of home ownership are not neglected. This can help relevant offers, but also a clear statement of policy on this social concept.

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Bratt, Rachel (2009): Homeownership as Social Policy in the U.S.: Risk and Responsibility
After the Subprime Crisis http://www.tudelft.nl/live/pagina .? jsp id = 6c837553-02e9-4524-9864-
d17cd7d56206 & lang = en & binary = / doc / Bratt.pdf

Wolfgang Eggert, Tim Krieger (2009): "Home Ownership" as a substitute for social policy: The emergence the financial crisis in the U.S., in: Economy Service No. 6 / 2009 (June 2009).

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The new concept Einhaus

Company COM Concept starts with their new "housing concept

According to statements of many banks and mortgage lender, the demand for their own four walls no longer as big as now and the present, despite the global financial and economic crisis . Many investors remember that does not in a sound and stable value investments, such as the construction of a detached house or buying a condo. The owner-occupied property does low market volatility and shall in any case over a long period its value. Another plus: long building was not as favorable as today, because central banks cut interest rates and thereby make the loans cheaper. For example
causes a lowering of the interest rate by only 0.5 percentage points for a loan of 100,000 - a saving of about € 3.000, - € reckoned to 10 years.

New approach for homebuilders

this current trend, the company has developed a COM Concept House, available now for a fixed price of 134 900, - € is ready to move and thus acquire for many interested customers affordable. Possible this extraordinary offer by an equally unusual strategy of "containment concept" is. Starting point for considerations was the fact that the vast Majority of customers for a standard house decides. This standard has been redefined as the sum of experiences, and has gone into the planning and design of the house. Here, the COM concept is consistently pursuing the path of standardization for layout, construction materials and interior fittings. Customers benefit from high quality and short construction times with absolute cost certainty over the full term of the offer.

Ready to be moved instead of turnkey

COM Concept promises its customers, in contrast to most competitors, a really ready to move house. Ready to move means that you have to provide any personal services, not even the painting. For the experience have shown that the savings potential of internal activities is often not as high as many expect, not to mention the enormous physical and psychological burden on the builders as lay people on their own site. It should also at this point that the house comes with a complete and modern fitted kitchen with oven, ceramic hob, dishwasher and wall hood. Furthermore, to mention the standard air heat with underfloor heating and a flat solar collector for water heating, which is built according to the latest EnEV Energy Regulation future-proof and energy efficient.
addition to the quality of construction, the situation is a particularly important criterion for Value of the property.
The concept house with an area of 8 x 9 meters or less fit to each plot, and you can find, even in special situations still suitable and affordable land. In general, the space is divided optimally. On the two floors, the hotel offers a living space of 118 m2 and a total residential floor space of 156 m2.

Guaranteed fixed price, high building speed and expert advice

The COM concept as a construction services provider focused solely on the core business of house building and the advice, support and Bauaufklärung of future clients. It therefore does not represent finance and land, but on request Contacts connect to the respective service providers.
The focus for the care and advise the customer during the entire application and construction, as most owners have no experience and tend to build for the first time so they are professionally managed through the jungle of rules and regulations and received the necessary help filling out all relevant forms and applications.

The staff of the COM concept are thus as Bauaufklärer and not just as a home seller. They have no pressure to sell, are not clear and depends on the commission charged to clients on all aspects of house building and hand it to him after that even certain whether this really a concept wants to build a house or not.
And, there is already a bit of pressure, because the offer is strictly limited, and there should be only 30 houses per year per state.
reacted just in the house COM Concept consistently place on quality over quantity.

new jobs for your region

Speaking Bauaufklärer and Managers: The Concept COM is still looking for some regions and postcode areas suitable and competent employees who want to take after training in their region of the support for any building. If you are coming from the construction industry or are interested in and are interested, please feel free to contact us. All information to found on the Internet on the homepage of the COM Concept GmbH http://www.kom-concept.de.

Conclusion

OK, the dream house is not and will not be this house, but it remains for the most unaffordable in any case only a dream. Is it a real good financially viable home ownership, provides the COM concept but at the moment with this offer without doubt a house with an unbeatable price - performance ratio in the excellent build quality.