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The energy market is moving

overwhelmed the complexity of the energy supply is often the consumer, but he can put signals

Securing our energy supply remains an important issue for business and politics. The discussions focus on various aspects of the supply taken all by itself a panacea. Therefore, the strategies must be taken at different levels.
The fact that fossil fuels as sources of energy are only available for a limited time, can always seem to nuclear power as a supposed solution for the future. Not only events, such as the recent incident in the nuclear power plant Krümmel cast doubt on this strategy, including the oft-asserted superiority of nuclear power as a cheap source of energy is increasingly called into question by experts as the most common accidents and calculations Endsorgungskosten for no or too low to calculate nuclear waste. RECOURSE therefore also for the nuclear power operator a risky alternative. This was demonstrated recently when RWE plans for a Bulgarian nuclear reactors out of because the funding did not materialize (FTD 08/07/2009).

competition in markets for electricity and gas difficult to enforce

The idea is basically good to enforce competition on low prices and high quality of performance. Only for electricity and gas will not work so well. Scale, even from an efficiency perspective, the big corporations can be powerful and the power constraint of supply here create economically narrow limits. Although the EU Commission wants to bring the corporations by drastic penalties to reason (wg see the maximum penalties against E. ON Ruhrgas and GDF Suez. Market division), the sign of little competitive business conduct awareness. For example, Vattenfall was some time ago, the Berlin fool customers with new rates, which should even give freedom of choice between several alternatives, the alternatives were not disclosed but not a word, let alone explained. There was thus a strong lack of awareness and transparency for the consumer, so that the Berlin Senate felt it necessary then to set up contact points for the explanation of the rates of Vattenfall. Since it is not surprising if some now Municipalities the power supply to take over again in their direction and buy back electricity networks of local utilities can (see FAZ.net on 12/09/2009).

innovations as part of the solution

As a way to offer to the exploration of new energy sources and improving efficiency in energy consumption. Often in the past by environmental conditions in industrial innovation processes set in motion that have made Germany the leading suppliers of advanced environmental technology. This is convincingly explained by the energy expert Claudia Kemfert, when the energy debate with the demand, innovation instead of depression 'sums up. That something is caused, shows for example, commissioning of marine wind farms (see Spiegel Online 12.8. 2009)

must Consumers respond

so hopeless acts of her own endeavor, given the complexity of technology and market development, so have been identified but some leeway for consumers. This can do about the purchase of green electricity, energy-conscious driving, or improving the energy efficiency of their homes much. Even with new construction of houses, it is essential to make sure equal to a positive energy balance. In general, these are indeed rather small steps, but in the sum shows the behavior of consumers the energy companies and producers of economic goods where it has to go long. Then, as stressed also by Claudia Kemp, long-term energy problem will be resolved without a significant loss of quality of life are taken into account because.

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land purchase or lease

In deciding whether the property is for your own house can be bought or leased, it all depends on the individual case.

Before the desire to live in their own house, can be done is to solve the land question. This is often associated with significant problems, because land usually devour the bulk of the planned capital for house construction. Especially in urban areas, therefore, the procurement of a suitable building site to a convoluted task. Then either the house project is completely buried, or there must be substantial compromises in the size and location of the property, so you still come to their own home.
However, there is a solution that is much less known, and avoids the disadvantages described above: the land is not purchased, but acquired a long lease. This can be cheaper than buying, does not lead to increase of the necessary borrowing, which charged the monthly budget substantially, and often opens up access to attractive building sites.

What is a lease and how does it work?

When lease Land for a very long period (usually 99 years) lease. The farmer can cultivate the land more or bequeath the ground lease, which he buys with the lease contract to sell. The contract can be terminated by either side. He is certified by a notary and registered in the Land Register. Thus, the rights of the lessee of an owner which is very similar (so-called, land law "). It is also possible to arrange a purchase contract if the tenant later will be one 'correct' owners of the property. For the use of the country rent is agreed.
is usually long lease of public or offered non-profit institutions such as churches, foundations and municipalities. to handle complicated legal terms, contracts with private providers, which occur only occasionally.

How expensive is it? A financial example

order to give an impression of what financial benefits may be associated with a long-term lease of a normal real estate purchase, let's look at an example. The data on land prices and interest rates are here indeed elected as realistic, but of course purely fictitious, since there is a wide range and interest rates and terms depending on the economic situation can change quickly .. Whether buying or leasing is cheaper, can be judged only on the specific case.
Suppose, for the purchase of land needed to be € 50,000. Then be due at a rate of 4.8% and 2% redemption € 280 per month for the loan, after 25 years of credit would be paid off. Until then, therefore, would pay a total of 84,000 € (without loss of interest and without costs of land acquisition, such as taxes, brokerage fees, land registry etc.). If one were to assume a similar property of equal value in annual lease, one would at a rate of 4% at 166 € per month lease expect. After 25 years you would have paid a total of € 49,800. The lease payments then may continue to run, but the house is free of debt at this time usually, so that the land costs are not so much weight. In addition, you can arrange to purchase legal and acquire the property if the burden is getting smaller by the construction. As the example shows, the actual saving of credit and lease terms, and depending on the assumed duration of the contracts. In certain situations it may be that the option to purchase the property on credit, it is more advantageous.

What should be considered for lease?

The lease usually contains details as to how the property construction is allowed. Here one should make the contract as openly as possible, so that due not later additions or the construction of a garage as additional rents are high.
For disposals of leasehold is always sold the building, so you can not sell the leasehold separated from the house.
The conditions for the withdrawal of the rent law by the owner (reversion) must be strictly regulated, otherwise the owner may also give the property rates along with the building.
adjustment clauses in the contract may result in a considerable increase in interest rates over the period are so to look closely and included in the cost-benefit analysis.
general rule is that at high interest rates, the benefits of the lease are larger than in a low interest rates.
in straight terms of, life 'term of the lease may be long term, the fact that it is in fact not the owner of the land on which the own home is proving to be disadvantageous. Therefore, all details of the contract - in particular adjustment clauses for the lease amount, purchase rights, building restrictions or rights of the owner to take - are thoroughly examined.

Conclusion

The lease will help if the desired Land for lease only, not for sale. Then they should, with careful examination of the conditions - not afraid. But it is especially advantageous if the first few years just after the construction of liquidity and therefore the debt should be kept low, and in urban centers where attractive properties are rare and expensive. There you can come up with a long-term lease also still an affordable building site.

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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.