When should a private pension?

Cologne -
According to recent official mortality, infant boys today can expect an average of 77 years of life, girls with good 82 years. Within a year, life expectancy increased by more than three months. "For the pension fund means a longer lifespan an additional burden of nearly € 50 billion," calculates Manfred Poweleit, head of industry information Map Report.
The National Pension Scheme meets the horrendous performance with additional spending cuts, private provision is becoming increasingly important.
An important pillar of pensions is the private pension system. Consumer advocates criticize but always high cost, but this applies to Riester and Rürup policies also increased.
Traditional pension policies offer some tangible benefits: They provide a minimum return of 2.25 percent currently, offer premium guarantee and - in contrast to banking and investment savings plan - lifetime annuities. At the start of the contract one can calculate the guaranteed minimum pension already, are added surpluses, which the insurance company earns each year. Predictable payments are important for all those whose statutory pension basic needs of living, housing and leisure will not cover. The pension scheme can help close the pension gap predictable.
Private Sofortrenten: Here Compare rates for free
Another advantage is the flexibility. Savers can choose at the end of the contract if they want to have paid off the balance on a shock or as a life-long pension.
Publicly funded private pensions, such as "Riester contracts or Rürup offer this possibility only restricted or not. For the self, the private pension policy is therefore an alternative to the rigid Rürup Treaty.
Benefits, the low tax burden. During the tax component in the statutory pension increases from year to year and Riester, Rürup and company pension contracts are subject to 100 percent of the income tax, private pensions are taxable to the profit part. In subjecting retirement at 67 you have only 17 percent of the disbursements of the tax. Reduce high-income seniors age with the private life their tax burden, in addition also are no contributions to health insurance.
FREE Comparison Calculator: Private Sofortrenten compared Riester pensions compared Rürup pension compared

Police released horror photo of water body

Duisburg -
The police in Duisburg asks: Who does this man?
Now published the official of that creepy photo of a water body out of the Rhine. The man was born on 28.11.2009, recovered clock to 8:25, from the Rhine. The exact locality Duisburg-Wanheim/Angerhausen.
This person has not yet been identified. Those who missed at least since the 11/14/2009 a 30 - to 40-year-old man, about 183 cm tall, slim, muscular, shoe size 43, medium blond, probably slightly thinning hair.
Notes to the police under 0203/2804114 or any other police department.

€ 550 million for repairs in 2020 due

Cologne - Since 1998, the city has invested € 600 million in school renovation. But not nearly enough: "By 2020 we again need good 550 million euros for the necessary active building maintenance," said Engelbert Rummel, head of the building industry.
Contaminant remediation, insulation, accessibility for the disabled, fire protection, and, and, and: "We currently have 42 million euros per year are available," said Rummel. "We need an increase of 25 percent annually, so that we can trade actively and not hinterherhecheln."
In the short term would be € 200 million due: "The Willy-Brandt-Comprehensive School in the amount our house crumbles in your fingers," explains the head of the building industry, which had until recently been in danger of collapsing due to the local gym should be close.
"The school needs to be rebuilt, a reorganization does not expect it." Cost: 40 million €. Added new buildings and modernization of other schools for 160 million €.
In addition to urban school premises are currently 650 replacement class - Containerbauten, pavilions, huts. Originally intended as short-term temporaries, are many of these "spare rooms" is now 30 years and longer - with danger: "At the Georg-Büchner-Gymnasium, Weiden, we had just four of those classes include compensation for pollution," says Rummel, adding: "If 65 Replacement classes requiring immediate action. "
Costs alone are: 19.5 million €.
The conversion to the open all-day primary school is almost completed, 17,450 places are currently available citywide - for remodeling and addition and equipment (kitchen, etc.) have been invested 161 million €. Education committee chairman Gisela Manderla (CDU), calls for both major and secondary schools and high schools are day schools soon.

No mercy for cancer Manson Murderess

Los Angeles - She followed Charles Manson unconditionally. They boasted that have cut the very pregnant actress Sharon Tate's throat. Now Susan Atkins (wait 60) on her death.
The member of the infamous "Manon Family" will die behind bars. The Commission for release in California declined on Tuesday (local time) an early "discharge from out of compassion." Atkins suffers from a brain tumor.
1969 Susan "Sadie" Atkins was for involvement in the brutal murder of Schauspielrin pregnant Sharon Tate, was sentenced the wife of director Roman Polanski, and six other people in death. The death sentences were later commuted to life imprisonment.
Atkins was one of ardent followers of serial killer Charles Manson, one of the most notorious prisoners in the U.S. since March 1989 and incarcerated in California state prison in Corcoran (Kings County).
In the first years of their incarceration Susan was still loyal to Charles Manson and his confused ideologies. Over the years she distanced herself from the family and turned to extremely religious Christian faiths.
They caused a stir in 1980 when she married in prison, the alleged Texas multimillionaire Donald Lee Laisure. The turned out to be a marriage swindler and had already 35 marriages behind him.
Also of interest
The Manson Family

The nerves are raw

Cologne - spy-accusations, disciplinary and administrative penalties, crisis meetings, mutual recriminations and more abstruse - three weeks after the subway disaster, the nerves are involved in the blank.
It is not an easy path for Baudezernent Bernd Streitberger (CDU): Lord Mayor Fritz Schramma (CDU) has initiated disciplinary proceedings against him.
Explain at the council meeting, the top officials on Thursday for the first time publicly why he had concealed his knowledge of serious issues in the pit disaster. He even threatened after the defeat.
On OB Schramma new trouble comes: In judicial circles, it is assumed that the Prosecutor initiates an investigation on Thursday against him. Reason is "Schramma-Gate" (based on Nixon's Watergate).
He should have made in a closed emergency session tapes>, without which the participants knew it. This is contrary to Section 201 of the Penal Code. Who has not publicly spoken word is the unauthorized recording, can be punished with up to three years in prison. For officials like Schramma is as high as five.
The city, however, has a case against the illegal excavation of the well drillers Haymarket. The companies threaten to five-digit fines.
KVB manager Walter Reinarz (CDU) must fear the next Tuesday. Then the KVB board meet in a special session that will be voted in the well of his dismissal. KVB chief executive Juergen Fenske (SPD) must also ask embarrassing questions Thursday in City Council.
Strange asks questions after Schramma WHETHER EXPRESS information to the Environment Department: Whether too much for the drilled wells in the collapse-pit Waidmarkt has been closed down ...? Here lie under rubble and concrete. The nerves are - everywhere!

Rich Russians to luxury shopping spree

Dusseldorf - The Russians are going! Handfuls they currently spend their money in Dusseldorf. And they have a lot of them. Prices? Do not matter! What pleases is purchased. To the delight of shopkeepers.
Doorman Hans-Peter Heser has just before the exclusive boutique "fashion" villa in Kaiserswerth sucked out the red carpet, as well as leaves before the stretch limousine. Geschäftsinhaberin Mahi Degenring has prepared well for this customer.
"It is a Russian who is looking for a wedding dress for his bride," says the designer, known for its unique collections. "The Russians love individuality. You want anything that others have already. For me, there are only hand-sewn items. "
Only recently was a business woman who are 27 exquisite costumes at once. "The value of 40,000 euros. Prices do not interest you. Russians think in different dimensions. "
Maxim is the 30-year-old multi-millionaire from St. Petersburg, which now enters the store. He is accompanied by Irina Švamberk boss, of "Germany Exclusive", a concierge service for Russians who are looking for something special in Dusseldorf. She translated and organized.
"I know his taste, and had prepared with his wife Degenring everything," says Švamberk. Maxim that looks bored and rarely speaks, does not interfere. "So the men."
Shirin Degenring, daughter of the owner, demonstrates the robes. And elicited a smile from him. The most expensive model (7000 euros), it is. A few more colorful dresses for the mother and sister. Overall, he pays 50,000 euros. Then he must. The reason has to do with money: Švamberk: "He wants to buy a villa in Dusseldorf."
These Russians seem to have in the local luxury hotel very well. Jörg T. Böckeler, Director of the Inter-Continental at the Kings: "We have a lot more Russian visitors than before. Then we have responded and opened in Russia's own luxury sales office. In addition, we share one Russian-speaking employees. "
 2004, there were 28,000 Russian tourists, who spent the night in Dusseldorf. 2007 already 47,000. According to the statistics of "Global Refund" lead them before the Chinese and Japanese, the list in spending in Dusseldorf.
Mark Lippert, spokesman for the Düsseldorf Marketing & Tourismus GmbH: "The Russians have too much money and do not know where to put it. As we like to help solve the problem! "
Also unique jewelry designer Gabriela Uphaus (WZ-Center) is to help. "I have many Russian clients. Usually I get special orders. Not infrequently, the value of a small car ... "

Usain Bolt is the fastest man in the world

Berlin - 21.44 clock, Olympic Stadium in Berlin. The thunder-bolt is going on. 22 years, 1.96 meters tall, 86 pounds, top speed 44 km / h.
Usain Bolt is the fastest man in the world. A miracle missile on two legs
 In the finals of Berlin, he pulverized his own world record in 100 meters, running 9.58 seconds. "One can hardly describe. This simply is huge, "exulted the Jamaicans.
Bolt at the Olympics in Beijing has been reached with open shoes, and the final 20 meters jubilantly 9.69 seconds. Now he has fully pulled through and the world showed what he can run. He had announced the wrong race in the world. He delivered the wrong race in the world.
Bolt is beside himself after the victory lap. The 50,000 fans get their mouths any more. Bolt: "It's wonderful. These fans here have given me so much energy. But the games continue, I want more. "
And although 200-meter relay gold and Gold.Sein great rival Tyson Gay (USA), despite a personal best time of 9.71 seconds no chance he gets in front of the silver Jamaican Asafa Powell in 9.84 seconds. No final was faster than this.
Bolt, the miracle runner, the Jamaica-rocket, the Rasta-speeder. And he is also a co-Bolt, at least before the start, when he makes his antics. He plays with each camera, making comical gestures and Superman throws kisses to the audience. "I kept the people happy. It's fun, "he says.
Gay Bolt pays the greatest respect: "I've run fastest, but he is a beast and a windfall for the Athletics. His show was great. But I am also pleased with me. "
The fastest man in the world - it is about a changing energy bomb? Almost. If one bolt is now seen outside of the competition, he is rather quiet and shy. This was not always so.
As a small boy, his parents thought he was hyperactive. As time went to the uncontrollable urge to move the small but Usain something. Only on the track he was still full throttle.
 At 15 he was in the homeland of Jamaica junior world champion over 200 meters. 2004 was bolt so far only the 17-year-old, who has run the 200 meters under 20 seconds (19.93).
Due to its size of 1.96 meters, it was still not a good 100-meter runner, he just came out of the starting block too complacent. But because he has worked and is now the fastest man whom the world has seen ever. "I've worked hard for it," he says proudly, and drums on his winning chest.