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How much do I need to earn to live a satisfied life? This is a question people ask themselves more and more often as they get older, when they are looking for a meaningful, fulfilling life. We know only too well that this is not done by earning as much as possible for decades in order to eventually put our feet up. Almost everyone knows someone as a cautionary tale, who always worked hard, never missed an hour of overtime, neglected friends and family, and died before retirement without being able to enjoy the wealth he had saved up. "I don't want that to happen to me. I'm living today and I want to get something out of it, too," is the motto of many professionals. But how much do you need to live a financially stress-free life?

Unfortunately, there is no asset investment that fully meets all three of these criteria. But how should you invest your money optimally? How should you solve the conflict of goals return-risk-liquidity for yourself? Investment advisors usually use a tool here, the risk profile. This is made up of the risk capacity and the risk appetite. An interview or questionnaire is used to determine the extent to which an investor is able and willing to take risks. The lower of the two values then determines the investment strategy, which can range from safety-oriented to balanced to return-oriented. The greater the risk profile, the more aggressive (and therefore equity-heavy) the investment strategy: the investor deliberately takes higher risks in order to generate a higher return over the long term.

Risk capacity: Can you take risks?

Risk capacity measures how big risks you can take. The greater the risk, the greater the potential fluctuations in the price of the assets, but the greater the expected average return on the capital.

The most likely economic scenario right now is a recession, said Steven Friedman of MacKay Shields at a Nordea Asset Management webinar. Still, he believes U.S. monetary officials will get inflation under control.

For those not named Rockefeller, building or buying a home comes with costs that need to be carefully calculated. Therefore, if you only have a certain budget to work with, don't lose sight of ancillary construction costs. These can easily account for 15 to 20 percent of total construction costs. But what counts as ancillary construction costs and what does each item cost? We have compiled the most important costs for you.

Development costs must be

Development costs are incurred for connections to the public piped water, gas, electricity and telephone systems, as well as for traffic areas such as roads or sidewalks. Mostly development costs are calculated as a lump sum, at about 7 to 10% of the land value for plots up to 600 square meters in size. Some regions calculate the pro rata development costs also according to the property road frontage. One should inquire before therefore better with municipality and supply enterprises, which costs come on one.

"Dare more progress" is what the SPD, Greens and FDP have chosen as the headline for their coalition agreement. But the promised progress, it seems to come to a halt. There are the socio-political projects, such as the abolition of the 219a StGB (German Penal Code), which prohibits the advertising of abortion, or a Democracy Promotion Act, which the traffic lights now want to tackle and on which there is largely unanimity in the coalition. At the same time, the coalition is struggling to cover up the cracks that are now appearing.

You have just broken up with your ex or exes? And now feel like dating again? But is that too soon? Questions that arise quite naturally in such a situation. Finally, one is always told, "First process the separation!" So when are dating after the failure of a relationship useful? And when not? This is the question we want to explore in the following article.

Dating after a separation is useful when..

AXA's pecuniary loss liability insurance is an insurance solution that serves to protect the existence of various professional groups. AXA's pecuniary loss liability insurance is most likely to be necessary for professional groups that predominantly perform the following tasks

If you think two-dimensionally and focus only on returns and volatility, you may miss important investment risks. This is what Peter von Lehe, Head of Investment Solutions and Strategy, and Stephen Smith, Head of Insurance Analytics, of U.S. asset manager Neuberger Berman, warn about. They show how to take liquidity risks into account in the investment strategy.

Morticians have been around since time immemorial. Every culture in the world has known and continues to know forms of mortuary worship. Always there were people charged with accompanying the last ways. The longer the history of a profession, the richer the formation of all sorts of myths surrounding it. In the minds of some, the profession of funeral director is associated with the distorted images conveyed by "black" movie comedies rather than the reality of an apprenticed profession with a highly interesting day-to-day work life.

A three-year apprenticeship leads to an examination before the Chamber of Crafts, the successful completion of which leads to the professional title of "funeral director". Successful further training and instructor qualification is proven by passing the examination to become a master mortician.

Schleiden – Many people are happy if they never have to set foot in their "penne" again after graduating from school. Not so Fritz Sistig. The 85-year-old is putting his heart and soul into getting his old school back in shape – and for a special reason: The school stands in the Wollseifen desert – his birthplace, which his family was forced to leave in 1946 on orders from the British military administration. Residents had only three weeks to vacate the site.

For the already in the 12. The village in the Dreiborn highlands, which was first mentioned in a document in the 16th century and is located in the immediate vicinity of Vogelsang, was to be used by the British military as a military training area. In 1950, the site went to the Belgian military. It was not until 2006, after the troops had left, that the former Wollseifen residents were able to set foot in their home again.