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The self-occupied property remains untouched by the state

Union and the FDP have agreed to the raise so-called protected assets of Hartz IV recipients

Who would have thought that just the tips of the CDU and FDP to the start of their coalition negotiations, the voting public with a gift to the Hartz IV receiver would be surprised in this country. Probably none, on the other hand, it should be here probably by the time the least controversial points of the future coalition partner . Act Hartz IV recipients allowed by the plans of the future government have significantly greater assets, without this your claim is lost to state benefits. As so often plays certainly a calculus in the direction of image gain a role that is particularly likely to come to the FDP good, we've also just spoken for their participation in the new government from the beginning of a period of social cold in Germany.
With the current advance in particular intends to "fundamental unfairness in the Hartz IV system" to eliminate, which - incidentally - have also increasingly the courts in this country.
goes Essentially, the increase in the protected assets the Hartz IV recipients, which is now 250, - 750, - € per year of life tripled, a measure which is aimed, however, tend to the still-working population. For here is a signal to be set: for the worker to be worth saving for old age and he should not lose its entire long-term unemployment pension again.
In this context fits the decision to protect the self-occupied property is now to complete before accessing the state. This proposal is to acquire in particular the citizens to decide their own property, facilitate, but this form of pension provision is still the safest and krisenfesteste at all.
The third point is actually the only thing that helps the current version of ALG II-dependent citizens, that is to extend the additional earnings opportunities. But it is precisely here, there are no concrete figures, only the FDP General Secretary Dirk Niebel statement that "make work pay again," what, ultimately, to everything and everyone would fit.

Conclusion
After all, an unexpected and courageous initiative of the new coalition partners. What it ultimately will be implemented remains to be seen. Sure should be the protection of owner-occupied property from the reach of the state. One more reason to be more involved in their own pension provision in this field. In accordance with good Advice and Bauaufklärung as it is within the COM concept offered this year, one is because in any case on the safe side.

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The new concept of COM Concept. A field report.

Since founding the company in April of this year, almost half a year has passed, time for us to draw a first summary.

"If an idea in the beginning does not sound absurd, then there is no hope for them."
Albert Einstein

The new firm is always trying to find a particularly innovative idea in a niche market. The COM concept is begun early this year with the same claim. From years of experience the artist in the building industry developed a concept that is consistently oriented to the needs of customers. That may sound obvious at first glance but on closer inspection it is not.
result of all these considerations on the one hand was the "housing strategy" with which the customer is constantly the best value for money and by responding to the "Bauaufklärung. The ability to create between the company and a satisfied customer house building a "win-win" situation, became a major incentive, because a satisfied customer is the best advertisement and an investment in the future.
From the beginning, this is Mrs. Madeleine Muller who worked for the COM Concept Marketing responsible for the records and thus also instrumental in the development of various approaches was and is. Thus, it is to take the best person in the company when it comes to the first experience in working with the COM concept in a resume together. We interviewed Mrs. Smith said:

question
Mrs. Muller, more generally, take care of our question to you: How does the concept of the customers, what experiences you have there can collect in the first few months?

Madeleine Müller:
My experiences are very positive, but also for property developers families sometimes very sobering.
Hardly a family really knows what all the costs to house and land come together around the various charges at all on them and what they might be about. In general, the families are very naive, approach the subject - even if they know what financial freedom they have - but then it is still the desire for specificity very large, but measured the purse at the desires relatively small.
After the initial shock has been digested and has set a certain disillusionment can then really the actual needs identified and the practicability of the project will be assessed. Often it is then, however, the reduction of special requests. At this point, we then have pointed out, even with the various other vendors to look closer, can occur where hidden costs. Also, the customer pays to be grateful. With all signs and warning signs well equipped we let the customers first reflect on it all myself.

question
connect Where previously the biggest problems?

Madeleine Müller:
The biggest problem is that the building families in the first clear, open and clear discussion - for the first time do not believe the behavior of the industry and are hiding out anywhere for the customer sites. turn out on closer inspection, at many a construction such additional services as inflationary benefits. also hidden costs in the small print is a big problem for building owners.
problems arise also in site search, and often proves to be a piece of land first with a ground survey as a cost trap, because such costs are usually only in the building costs, not in the actual construction price lists.

question
The Bauaufklärung seems indeed to arrive at the customers very well. By now you have even extended the offer, the COM concept is now offering the service on the personal Bauassistenten. Can you explain this more? What experience They have since done so far?

Madeleine Müller:
A good education prevails. Families who choose precisely one of our competitors, or perhaps for an existing property - for whatever reason - we offer the services of our personal Bauassistenten.
Here each team member, the customer is not just to the side, but regards any property or any building project as if it were his own - of experienced engineers and architects through to the lawyer, we offer a full consultancy service.
Our experience in each area to help families to ask the right questions and, if necessary existing sites to explore. Clients are helped to oversee construction processes and to secure or to negotiate in if necessary. This act, our experts as the voice between the individual trades, crafts and services customers.
In the planning application stage and Bauvorgesprächen it is important to keep the ultimate goal of the family in mind, for here will create very much the additional, which most families do not at first: It is therefore important to observe the process of sampling the budget, even if it is not always easy to tell the client that this or that does not work, sometimes it's very uncomfortable to point out repeatedly, but ultimately determines mostly the reason especially when the trust between the Bauassistenten and the customer is established.

Thank you for the information and discussion. We all wish the team of the Berlin-based COM Concept up the good experiences and further success on the road.