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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.

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"Mission is possible" or the path from the seller to the bare Bauaufklärer

First experiences clearly demonstrate the high quality and targeted Bauaufklärung the COM concept fills a major gap advice

From the beginning, the company COM Concept Bauaufklärung as the central position set within its overall approach. Meanwhile, one can say the brand "Bauaufklärer" has established itself and continues to develop successfully.
"Through the many contacts with clients who we learn how little the developers are aware of the actual construction and so absolutely naive sliding into immense financial risks - we have noticed: here is a need for education," says Ms. Madeleine Mueller, director of marketing in the COM concept.
But how compatible a comprehensive Bauaufklärung with a goal to sell 480 homes throughout Germany in the year? Because of altruism alone is not a company has earned money.
The solution is for the COM concept are obvious: the concept is not as straightforward as it seems at first glance, It creates a classic "win-win" situation for both partners. Yes it is good for the company anything, the offer supposedly best value for money in housing construction in Germany, where the customer can not assess the validity of this statement. This offering must also be suitable for the wishes of the owner. Thus enables the Bauaufklärungsteam concept of COM clients with advice in a position to provide even the most critical concerns with the construction companies to identify the black sheep of the industry independently and filter out the best offer for him.

is not available for all customers with the "concept" house the ideal solution

Besides the fact that many customers the wrong ideas about their future dream house in mind, because it is either not their financial ability, or is designed to their real needs by, it was clear from the beginning that not everyone build customer is a concept house is. This is a side effect of the housing strategy, which was factored in from the start with. What is new is the high and positive response to the Bauaufklärung that develops by the time a virtually new and separate line of business.
Many customers who do not appreciate the "concept" house fit and thus not want to build the COM concept, the exceptional quality of advice and do not miss this during the construction phase with a third party. You post this so just as an extra service in their home and other property to search.

The COM concept construction assistant

To respond to this new demand on the market, developed a new service that Bauaufklärung for all, so to speak, the personal Bauassistent.
In general, agreed to a consulting agreement for a period of 6 months, on request also with a longer term of up to one year. No matter whether the customer realized an old building, an apartment or a new building will, as the Bauassistent this time his client around the clock for all questions and problems to one side. The Bauassistent help in the preparation and review the design and performance descriptions of the various bids, analyzes them and points to missing or inadequately described services that can prove out to be a full-blown cost traps. It is often possible with the help of Bauassistenten to extract from the offerings of the various construction companies one or two percentage point discount.
Personal Bauassistent help you with the site selection and also supports our customers say in creating the necessary building permits or any soil report. go Typically, the builder must during the day to work and can take care of the little progress. This keeps the Bauassistent personal contact with the trades or offices and is the interface to the site manager.

Thus protected and cared for can sit back and enjoy each client and his dream of owning a home reassured dream to an end, because looming nightmares come this way stop in the run-time and professionally.

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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.