Friday, November 20, 2009
How To Fold Fan Serviette
(K) is a global actor - the EU after Lisbon
European leaders have agreed to grant the two top posts at Herman Van Rompuy and Catherine Ashton. This is seen in many international media as the (temporary) end to the global ambitions of the EU.
"After the European Union's eight-year battle to rewrite its internal rules and to pass the Lisbon Treaty that created these two new jobs, the selection of seeking low-profile figures Seemed to highlight Europe's problems instead of its affairs readiness to take a more united and forceful place in the world. " ( New York Times )
" For nearly a decade, EU politicians have been wrangling about a new rule book, calling for Europe to stage equip itself with leadership posts that would help their club to stride the world. Yet by the time national leaders arrived at a Brussels summit to fill the new posts [...], their boast and ambition were a sad memory. " ( The Economist )
are the strategic decisions of the Union but not in uniform and made a deliberate manner. Instead, the leaders negotiate on European Council on the direction in which to develop Europe, and the respective national interests were always in the back of the head.
Angela Merkel and Nicolas Sarkozy in the Council take a leadership role. On " Merkozy " Tandem is currently in Europe by no one. France pushes for even a stronger cooperation between the two largest EU states. Britain is the EU's traditionally skeptical. And David Cameron is elected next year is likely to an outspoken EU critic of British Prime Minister. That the Franco-German Tandem in the foreseeable future, a tricycle is so unlikely.
Gordon Brown, Britain's current prime minister, has failed in the negotiations on the composition of the council president with his candidate (Tony Blair) in the resistance Merkozys. By Tony Blair, many observers a clearer and more visible position Europe had promised in the world.
Blair's futile attempt
Several factors led to failure of the (unofficial) Blair's candidacy:
Merkozy, on the other hand, have no interest in "political star" of them steals the show on the international stage. For if a man Franco-German tandem could jeopardize their political dominance, it would be a man of Tony Blair's formats, especially as British.
Global ambitions
The European Union will continue its role as a global player must first return again. Merkozy have the implicit direction armed with the installation Van Rompuy enforced. Foreign policy, and they remain internationally for Barack Obama and other leaders also continue to be the first point of contact in Europe.
This means on one hand the risk of marginalization of European influence in a future world-G2, dominated by the U.S. and China. Also, because Europe is still fragmented voice heard.
other hand, Tony Blair for Merkozy would have represented an incalculable risk. The Office of the President of the Council has yet to be defined design options. While Van Rompuy the humble administrator and moderator will mime, Tony Blair would have interpreted the office may have more in the direction of "President". His political experience and international reputation have made him a sought-after partner, both in the media as well as foreign heads of state. These prospects are likely to have fallen Merkozy not necessarily.
tragedy for the international supporters of a strong Europe should be the fact that the first incumbent will also contribute significantly to future definition and refinement of the Office. The second EU Presidency will be guided by Van Rompuy established procedures. He will have less space to maneuver.
Nevertheless, the hope that the EU leaders courageous in filling in the future, if it is clear what options The Office provides (and what it not offers).
European leaders have agreed to grant the two top posts at Herman Van Rompuy and Catherine Ashton. This is seen in many international media as the (temporary) end to the global ambitions of the EU.
"After the European Union's eight-year battle to rewrite its internal rules and to pass the Lisbon Treaty that created these two new jobs, the selection of seeking low-profile figures Seemed to highlight Europe's problems instead of its affairs readiness to take a more united and forceful place in the world. " ( New York Times )
" For nearly a decade, EU politicians have been wrangling about a new rule book, calling for Europe to stage equip itself with leadership posts that would help their club to stride the world. Yet by the time national leaders arrived at a Brussels summit to fill the new posts [...], their boast and ambition were a sad memory. " ( The Economist )
are the strategic decisions of the Union but not in uniform and made a deliberate manner. Instead, the leaders negotiate on European Council on the direction in which to develop Europe, and the respective national interests were always in the back of the head.
Angela Merkel and Nicolas Sarkozy in the Council take a leadership role. On " Merkozy " Tandem is currently in Europe by no one. France pushes for even a stronger cooperation between the two largest EU states. Britain is the EU's traditionally skeptical. And David Cameron is elected next year is likely to an outspoken EU critic of British Prime Minister. That the Franco-German Tandem in the foreseeable future, a tricycle is so unlikely.
Gordon Brown, Britain's current prime minister, has failed in the negotiations on the composition of the council president with his candidate (Tony Blair) in the resistance Merkozys. By Tony Blair, many observers a clearer and more visible position Europe had promised in the world.
Blair's futile attempt
Several factors led to failure of the (unofficial) Blair's candidacy:
- a fundamental rivalry between the Eurosceptic United Kingdom and the block to Germany, France and the Benelux
- the aforementioned convergence between Merkel and Sarkozy recent weeks and months
- party politics: Merkozy's conservative camp proclaimed the post of President of the Council itself. Gordon Brown (and Tony Blair) are from the Socialist camp. The PES quickly focused on the post of High Representative for foreign and security policy.
- a fundamentally different understanding of roles and influence of the future President of the Council
Merkozy, on the other hand, have no interest in "political star" of them steals the show on the international stage. For if a man Franco-German tandem could jeopardize their political dominance, it would be a man of Tony Blair's formats, especially as British.
Global ambitions
The European Union will continue its role as a global player must first return again. Merkozy have the implicit direction armed with the installation Van Rompuy enforced. Foreign policy, and they remain internationally for Barack Obama and other leaders also continue to be the first point of contact in Europe.
This means on one hand the risk of marginalization of European influence in a future world-G2, dominated by the U.S. and China. Also, because Europe is still fragmented voice heard.
other hand, Tony Blair for Merkozy would have represented an incalculable risk. The Office of the President of the Council has yet to be defined design options. While Van Rompuy the humble administrator and moderator will mime, Tony Blair would have interpreted the office may have more in the direction of "President". His political experience and international reputation have made him a sought-after partner, both in the media as well as foreign heads of state. These prospects are likely to have fallen Merkozy not necessarily.
tragedy for the international supporters of a strong Europe should be the fact that the first incumbent will also contribute significantly to future definition and refinement of the Office. The second EU Presidency will be guided by Van Rompuy established procedures. He will have less space to maneuver.
Nevertheless, the hope that the EU leaders courageous in filling in the future, if it is clear what options The Office provides (and what it not offers).
Sunday, November 15, 2009
Samsung Straight Talk Blue Tooth
needs assessment
Would you, dear reader, dear reader, can tell right away how much your assets for your retirement needs is to measure?
My experience of the past 17 years shows that people underestimate this most ... They do have their own life insurance that pays the age of 65 30,000-€! And that should be enough but in addition to statutory pension! I know that this statement is certainly something formulated Salop, yet it is not far from the truth. "Understand" Many of their pension information not in the way it is meant and interpret the figures in those publications false (see the Post: "How do I check my Pension information "on this blog).
I want you, dear reader, dear reader, give in this paper, a feel for the necessary amount of pension. All calculations were performed here with the EinSeitenPlaner of Dr. Krieg-Beraungsrechner made ( http://www.beratungsrechner.de/ ) For our calculation we assume a 30 year old average earner ( 30.000, - € gross annual income ). He is single, will go with 67 years in retirement and would in our example. a pension build that 1.200, - is € - € per month below its current net income 1545. His reasoning: at the age he has less spending on clothes, no more trips to work and will of course be / he will also save anything.
The first step is to determine the required assets, including the compound interest: would suffice (here 4% pa) to meet the lifelong needs. The commencement date for the calculation is clear: the retirement age 67th Of course, beyond the end only "speculation" are. We are working here from the statistical life expectancy of 30-year-old man, which can be identified with appropriate databases to 92 years. (In this module "life expectancy").
figure 1: asset demand without inflation
Thus, we determine an asset needs of 229 832, - € of 67 Of age. To repeat: this amount is sufficient, the rate of 4% per annum and is, our 30-year-olds up to his 92nd Age (random death) to set the pension of 1,200, - € to secure a monthly basis.
says Well our man, if he of 1,200, - € speaks demand, not the time in 37 years, but what he can now buy it. And here we are almost already at the Master began planning mistakes: forget the savers inflation brought about by the loss of purchasing power. (The concept of inflation, I have already discussed elsewhere - see blog "Finance to touch"). The average inflation rate is 3.1% for the last 38 years, in recent years, it was around 2%, we therefore expect a rate of 2% per year. The result is shown in Figure 2
Figure 2: Investment needs in light of inflation
In my conversations is the customers here are mostly for the first time struck by the calculated values. What do they mean? Basically, this means: you need in 37 years, with annual inflation of 2% of an amount of 2 497, - € to buy is what you are now 1.200, - € costs. "feel" you can be the effect of inflation, if you answer the following questions: what cost the ice ball as a child? What they cost today? What you paid your parents for the newspaper? What do you pay yourself? Accordingly, the balance requirement is 67 years of inflation 588 621, - €!
3: BFA pension rights
Now that were needed and identify current supply situation, there is still calculate what would save our 30-year-old to close its shortfall.
A first approximation: it would generate for his savings amount to no interest, he would have put € 461.95 per month to the side (205 105 37 years 12 months). If we assume the 4% pa, we have adopted for the extraction phase, the amount drops to 282, - € per month - even if that amount is beyond the pale. We know but elsewhere ( time and return ) that can be achieved over long periods of higher returns. We are expecting 7% pa and a dynamic adjustment of the contribution of 6% each year, the initial savings amount is here at 60, - € per month .
We note here that the secret lies once again in the time factor and the early start of the savings process!!
In further steps we will deal with the forms of savings, which for our Savers are also suitable.
(c) All calculations and graphical presentation were performed with the computer consulting Dr.Kriebel created
Would you, dear reader, dear reader, can tell right away how much your assets for your retirement needs is to measure?
My experience of the past 17 years shows that people underestimate this most ... They do have their own life insurance that pays the age of 65 30,000-€! And that should be enough but in addition to statutory pension! I know that this statement is certainly something formulated Salop, yet it is not far from the truth. "Understand" Many of their pension information not in the way it is meant and interpret the figures in those publications false (see the Post: "How do I check my Pension information "on this blog).
I want you, dear reader, dear reader, give in this paper, a feel for the necessary amount of pension. All calculations were performed here with the EinSeitenPlaner of Dr. Krieg-Beraungsrechner made ( http://www.beratungsrechner.de/ ) For our calculation we assume a 30 year old average earner ( 30.000, - € gross annual income ). He is single, will go with 67 years in retirement and would in our example. a pension build that 1.200, - is € - € per month below its current net income 1545. His reasoning: at the age he has less spending on clothes, no more trips to work and will of course be / he will also save anything.
The first step is to determine the required assets, including the compound interest: would suffice (here 4% pa) to meet the lifelong needs. The commencement date for the calculation is clear: the retirement age 67th Of course, beyond the end only "speculation" are. We are working here from the statistical life expectancy of 30-year-old man, which can be identified with appropriate databases to 92 years. (In this module "life expectancy").
figure 1: asset demand without inflation
Thus, we determine an asset needs of 229 832, - € of 67 Of age. To repeat: this amount is sufficient, the rate of 4% per annum and is, our 30-year-olds up to his 92nd Age (random death) to set the pension of 1,200, - € to secure a monthly basis.
says Well our man, if he of 1,200, - € speaks demand, not the time in 37 years, but what he can now buy it. And here we are almost already at the Master began planning mistakes: forget the savers inflation brought about by the loss of purchasing power. (The concept of inflation, I have already discussed elsewhere - see blog "Finance to touch"). The average inflation rate is 3.1% for the last 38 years, in recent years, it was around 2%, we therefore expect a rate of 2% per year. The result is shown in Figure 2
Figure 2: Investment needs in light of inflation
In my conversations is the customers here are mostly for the first time struck by the calculated values. What do they mean? Basically, this means: you need in 37 years, with annual inflation of 2% of an amount of 2 497, - € to buy is what you are now 1.200, - € costs. "feel" you can be the effect of inflation, if you answer the following questions: what cost the ice ball as a child? What they cost today? What you paid your parents for the newspaper? What do you pay yourself? Accordingly, the balance requirement is 67 years of inflation 588 621, - €! course has already taken our 30-year-old provision. First, he makes before the statutory pension insurance. Here he expected to be 1532, - € with 67 years of age (Figure 3). He also saves 50 per month, - € in a private endowment insurance, the 67th with the Lebsnjahr is paid (Figure 4). If we consider both forms of screening in its planning reduces the need to 205 105, - Euro. This is still a lot of money, yet more than half done. (Figure 5)
3: BFA pension rights
4: Private KLV
5: to score current pension
Now that were needed and identify current supply situation, there is still calculate what would save our 30-year-old to close its shortfall. A first approximation: it would generate for his savings amount to no interest, he would have put € 461.95 per month to the side (205 105 37 years 12 months). If we assume the 4% pa, we have adopted for the extraction phase, the amount drops to 282, - € per month - even if that amount is beyond the pale. We know but elsewhere ( time and return ) that can be achieved over long periods of higher returns. We are expecting 7% pa and a dynamic adjustment of the contribution of 6% each year, the initial savings amount is here at 60, - € per month .
We note here that the secret lies once again in the time factor and the early start of the savings process!!
In further steps we will deal with the forms of savings, which for our Savers are also suitable.
(c) All calculations and graphical presentation were performed with the computer consulting Dr.Kriebel created
Dirt Bike Start Line Ringtones
read correctly Bfa your information?
Since 2001 is every worker an annual information on the status of his pension account Rentenvesicherung sent to the German (formerly BfA Bundesversicherunsganstallt for employees or LVA - Landesversicherungsanstallt). This was the time by the then Labour Minister Walter Riester festgschrieben law.
Although our information comes from 2007, but have lost nothing of their meaning.
Our insured is 49 years old and earns 1430, - € net per month. She has always based their entire working roughly the median income.
The German Pension Fund predicts her a monthly pension of € 899.88 with his 66th Of age.
points in the text itself to him, two other forecasts ....
1080, - € for 1.0% annual rate of adjustment and 1310 - € 2.0% annual rate of adjustment
tell us what these numbers really ?
The secret is once again at the time of viewing. Our worker might have to look with optimism to their third age, the numbers in almost promise but their current Net income. Only they receive their net course TODAY, pension, but only in 30 years, which is TOMORROW ... And in between lies again ... the effect of inflation.
we go again by an average inflation rate of 2% per year, so it looks to our insured as follows:
2: Bfa quick check
This creates for our insured under the assumptions optimistischten still a shortfall of around 600, - € per month. Now was the amount of the pension adjustment in the average of the last 10 years, not at 1 or 2%, but with only 0.87% . Had the federal government this year is not fixed by law that pensions should never be reduced, it would have actually in the years 2010 and 2011 due to the net wage to decline in Germany. At best, the German pensioners in the years expect a pay freeze.
Since 2001 is every worker an annual information on the status of his pension account Rentenvesicherung sent to the German (formerly BfA Bundesversicherunsganstallt for employees or LVA - Landesversicherungsanstallt). This was the time by the then Labour Minister Walter Riester festgschrieben law.
The purpose of this information is the one, the citizen an overview of the recent its income data entered to gain (so-called accounts clarification). If you, dear reader, dear reader, while a defective item or even entire period of employment are missing, so I recommend you try immediately to clarify it. Imagine, you would need in 20 to 30 years to bring about evidence, perhaps even at one of your former company, which does not exist for a long time!
course you can apply at any time even a pension information . It is enough to have your policy number handy.
would like in this text However, I draw your attention to the interpretation of the published figures to draw. Many lean namely at the sight of your bonds left behind ... But see for yourself ..
Figure 1: Extract of a real pension information
Although our information comes from 2007, but have lost nothing of their meaning. Our insured is 49 years old and earns 1430, - € net per month. She has always based their entire working roughly the median income.
The German Pension Fund predicts her a monthly pension of € 899.88 with his 66th Of age.
points in the text itself to him, two other forecasts ....
1080, - € for 1.0% annual rate of adjustment and 1310 - € 2.0% annual rate of adjustment
tell us what these numbers really ?
The secret is once again at the time of viewing. Our worker might have to look with optimism to their third age, the numbers in almost promise but their current Net income. Only they receive their net course TODAY, pension, but only in 30 years, which is TOMORROW ... And in between lies again ... the effect of inflation.
we go again by an average inflation rate of 2% per year, so it looks to our insured as follows:
2: Bfa quick check
This creates for our insured under the assumptions optimistischten still a shortfall of around 600, - € per month. Now was the amount of the pension adjustment in the average of the last 10 years, not at 1 or 2%, but with only 0.87% . Had the federal government this year is not fixed by law that pensions should never be reduced, it would have actually in the years 2010 and 2011 due to the net wage to decline in Germany. At best, the German pensioners in the years expect a pay freeze. Now we face only once, our sample woman lives for rent .... Today, she pays for their small apartment 400, - € per month, in 20 years, this would be about 600, - € .... Now distribute the rest of your pension on the areas of "extra costs", "Eating, drinking, clothing," "Arts ",.....
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