Dear reader, living in a metropolitan area that is defying economic power despite Corona is not all good.

As a rule, you earn well, but when life is sorted in such a way that you think about not wanting to live in a rented apartment anymore, it becomes difficult.

The dream house quickly seems unreachable, the thought that you have a lot of money on the high edge is put into perspective.

Our financial expert Volker Looman often has to deal with such situations.

In his most recent case it is about a married couple, the man is 42 years old and "full" assistant doctor at a clinic in Hessian.

The woman is 38 years young and “half” a teacher at a secondary school in the Palatinate region because she has decided not to have child minders look after her two children.

The doctor earns 84,000 euros gross per year, and the woman receives a gross salary of 36,000 euros per year.

That is a total of 10,000 euros a month, and of this sum, after deducting all social security contributions and taxes, around 6500 euros remain.

You should also know that the couple has savings of 200,000 euros.

Carsten Knop

Editor.

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    The family lives in the Rhein-Main area, and single-family houses there that deserve this name usually cost one million euros. In addition, there are ancillary costs of 10 percent, so that the total expense is 1.1 million euros. What do you think? Should the couple act, or do you take the view that the rent is not a disgrace? Looman calculates the answer exactly, which is an exciting insight into the question of how one should calculate a house purchase. I will anticipate the result: Both spouses are “prisoners” of their demands and desires, and they will only be able to free themselves from this dependency if they either move to the countryside, where prices are lower, or increase their incomes by high prices easier to bear.

    A politician's résumé is something like a uniform jacket with a medal on it: completely useless in battle, but impressive when telling about war. When someone enters the stage in a highly decorated manner, it jingles tellingly. Then people know that someone important is coming. For example Annalena Baerbock. She is in trouble because her résumé made her more important than she is, and she is, after all, the Greens' candidate for Chancellor.

    Baerbock had to correct information after journalists found inconsistencies. Not huge things, but several small ones.

    For example, Baerbock had written that she had worked as an office manager for a MEP in Brussels. "Brussels" is now missing from the résumé. Baerbock commented: “That was crap.” Our colleague Friederike Haupt then looked at a few more politicians' résumés - and found interesting things. It is noticeable that young MPs in particular often submit long résumés. The texts looked like armor against the accusation of being too young and inexperienced. Old generals would no longer have to jingle the medals. Wolfgang Schäuble's official curriculum vitae is quite short. The one by Joschka Fischer is legendary because it is even shorter. You have to be able to afford this scarcity. Or want to.

    Do you already have your first vaccination? At least an appointment? Or maybe you are already fully vaccinated? Then you have one less worry - and, if you like, you can deal with the next question straight away. Because so far it is uncertain how long a full vaccination protects against the coronavirus. Because there is a lack of reliable data, even experts have to guess. Six months, estimates the SPD health politician Karl Lauterbach. Thomas Mertens, Chairman of the Standing Vaccination Commission at the Robert Koch Institute, assesses the situation somewhat more cautiously. You have to be prepared for the fact that “everyone may have to refresh their vaccination protection in the next year,” he said. Kim Björn Becker, editor in politics, asked around.

    The first finding: the question of how long the vaccination protection against the coronavirus lasts will hardly be able to be answered in general. After all, four vaccines are currently used in Germany, some of which differ significantly in their mode of action.

    The second finding: there is currently no way of reliably determining the individual vaccination protection. It is currently not known how long the syringes will last, nor can it be determined in individual cases whether the protection is still effective. Experts fear that this double uncertainty could soon create a serious problem. So what to do I particularly like the recommendation of a doctor with whom Becker spoke: "We'll see what happens."

    Greetings from the editorial team, if you have any questions or suggestions about F +, your complete access to FAZ.NET, please write to me: c.knop@faz.de

    Your Carsten Knop


    Editor of the


    Frankfurter Allgemeine Zeitung