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April 6, 2010

omml Umfrage- Deutsche in Kauf- und Baulaune_57

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Hausbauer k?nnen sich derzeit neben günstigen Immobilienpreisen und wenig steigenden Preisen am Bau vor allem über niedrige Hypothekenzinsen freuen, die sich seit geraumer Zeit auf einer sprichw?rtlichen Talfahrt befinden. Die langfristige Finanzierung der Immobilie wird so günstiger, da nur die wenigsten das Haus aus der Portokasse bezahlen k?nnen und so auf ?externe“ Finanzierer zurückgreifen müssen. Die Akzeptanz, auf Darlehen von Geldgebern zurückzugreifen, w?chst entsprechend. So würden 42 Prozent der Befragten auf ?ffentliche Finanzierungshilfen wie die Kredite der KfW-F?rderbank – sofern diese wieder Geld zur Verfügung hat – für die Finanzierung der Immobilie nutzen. Im November lag dieser Wert noch bei 35,1 Prozent.




Hausbau: Deutsche sehen derzeit günstige Bedingungen.

?Wer diese F?rdermittel in Anspruch nehmen m?chte, sollte sich darüber m?glichst frühzeitig Gedanken machen“ mahnt Tobias Lücke von der comdirect bank, da der Antrag noch vor dem Kauf oder dem Beginn des Neubaus eingereicht werden müsse. Bevorzugtes Instrument der Finanzierung bleibt laut Umfrage aber weiterhin der Immobilienkredit. Knapp 60,5 Prozent würde ein Hypothekendarlehen in Anspruch nehmen, um die eigenen vier W?nde zu finanzieren.

Umfrage: Deutsche in Kauf- und Baulaune

Es wird die Hausbaufirmen freuen: über die H?lfte der Deutschen bezeichnet die derzeitigen Bedingungen für den Kauf der eigenen vier W?nde als ?günstig“, 5,5 Prozent mehr als noch im November. Das geht aus einer repr?sentativen Umfrage des Meinungsforschungsinstituts Forsa im Auftrag der comdirect bank unter mehr als 1.000 Personen in Deutschland hervor.

Heute ist ein guter Tag zum Hausbau – oder zum Kauf einer Wohnung. Trotz aller wirtschaftlichen Probleme und Unw?gbarkeiten denken 53,4 Prozent der Deutschen, dass im Moment ein guter Zeitpunkt ist, in Wohneigentum zu investieren. Das sind über fünf Prozent mehr als noch im November 2009, als lediglich 47,9 Prozent der gleichen Meinung waren. Damit hellt sich die Stimmung hierzulande weiter auf. Der ?Stimmungsindex Baufinanzierung“, der die Bereitschaft zur Immobilienfinanzierung mittel Kredit anzeigt, stieg dementsprechend um 2,8 Punkte auf 106,0 Punkte.

wwqx Das ändert sich im neuen Jahr – Teil II_621

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Das ?ndert sich im neuen Jahr – Teil II

Verm?gensfreibetr?ge werden angehoben

H?here Steuerfreibetr?ge bei der privaten Altersvorsorge

Die bisherigen Erbschaftssteuerfreibetr?ge bei Ehegatten sollen ab Januar von bisher 307.000 Euro auf 500.000 Euro angehoben werden. Bei Kindern steigt dieser Betrag von 205.000 Euro auf 400.000 Euro. Eingetragene Lebenspartnerschaften erhalten mit diesem Regierungsbeschluss den gleichen Freibetrag von 500.000 Euro wie Verheiratete. Enkel dürfen sich über 200.000 Euro freuen, Eltern über 100.000 Euro – bei beiden galt bisher die H?chstgrenze von 51.200 Euro.

Die Volkssteuer: Abgeltungssteuer in aller Munde

Ab 1.1.2009 tritt sie in Kraft – und fast jeder wird mit Ihr zu tun haben: Denn ab diesem Zeitpunkt werden alle Kapitalertr?ge (Zinsen und Dividenden) sowie Ver?u?erungsgewinne von Wertpapieren (Aktien, Investmentfonds, Zertifikate) einheitlich mit 25 Prozent plus Soli und (falls vorhanden) Kirchensteuer besteuert. Die Regelung betrifft alle Zinsanlagen und Wertpapierk?ufe ab 2009. Für Papier, die davor erworben wurden, gelten Kurzgewinne als steuerfrei, wenn die Spekulationsfrist von einem Jahr abgelaufen ist. Bei Zertifikaten greifen Ausnahmen: Sie gelten schon dann als Neuanlage, wenn Anleger die Papiere nach dem 14. M?rz 2007 erworben haben und nach dem 30. Juni wieder ver?u?ern.



Der steuerlich absetzbare Beitragsanteil bei den Rürup-Renten steigt von 66 auf 68 Prozent. Rürup-Sparer k?nnen dann einen H?chstbetrag von 13.600 Euro ihrer Beitragszahlungen als Sonderausgabe beim Finanzamt geltend machen. Der absetzbare Teil steigt im übrigen bis zum Jahre 2025 auf 100 Prozent.

Im Rahmen der Erbschaftssteuerreform werden künftig Lebensversicherungen h?her besteuert. Nach derzeit gültigem Recht hat man die Wahl, den Wert der zu übertragenen Police entweder mit dem aktuellen Rückkaufswert oder nach 2/3 der bislang bezahlten Beitr?ge zu berechnen. Die 2/3-Option begünstigt jedoch noch die Schenkung einer Lebensversicherung – diese Bevorzugung soll künftig wegfallen.

Lebensversicherungen werden mehr besteuert


April 3, 2010

doxj Zahlungsstopp bei offenen Immobilienfonds_654

Filed under: Ugg Boots — admin @ 2:09 pm

Krise erreicht Rentner

Zahlungsstopp bei offenen Immobilienfonds

Die Krise bei den offenen Immobilienfonds hat sich weiter versch?rft. Laut einem Bericht der Financial Times Deutschland kommen jetzt durch eine Entscheidung der Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) tausende deutsche Rentner in Bedr?ngnis.

Nachdem bereits im Oktober elf gro?e Publikumsfonds von Anbietern wie Degi oder Credit Suisse nach panikartigen Anteilsabzügen der Anleger geschlossen wurden, hat die BaFin nun die Anbieter aufgefordert, auch die langfristig angelegten ?Auszahlungspl?ne“ an vor allem ?ltere Kunden zu stoppen. Diese sollten zuerst von der Sperrung ausgenommen werden, da die Rückflüsse an die Anleger langfristig vereinbart wurden, was die BaFin jetzt allerdings als nicht vereinbar mit ?dem Gleichbehandlungsgrundsatz aller Anleger“ bem?ngelte.

Von der Sperrung sind vor allem ehemals Selbstst?ndige und freiberuflich Arbeitende betroffen, die zumeist kein oder kaum Geld aus der gesetzlichen Rentenkasse beziehen. Diese hatten sich bei ihrer Altersvorsorge für die vor allem bei konservativen und vorsichtigen Kleinanlegern beliebten offenen Immobilienfonds entschieden, da diese als schwankungsresistent gelten. Diese Fonds besitzen normalerweise eine gro?e Zahl an Anteilseignern und investieren in eine gro?e Anzahl einzelner Immobilien.




6vsy Debating the power of Google’s Wave_1164

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So is it better than instant messaging?

Wave sounds confusing

But the what-everybody-else-is-doing visibility factor is also greatly diminished when you can’t see where others are working in the limited screen real estate of Wave. The immediacy of the visible edits vanishes as soon as the other work is happening elsewhere. With Wave, there are plenty of trees falling in the forest that you don’t hear. For example, in composing this document, I asked a question at the top of the Wave discussion thread. You didn’t see it, either because you were away from the discussion or working elsewhere, and there’s no notification about which particular part of the discussion changed. A green number next to the wave in the inbox provides some help.

Shankland: Right. Every Net communication technology goes through a honeymoon period where just you and your close contacts use it. Then the whole Net discovers it and your little paradise becomes just another conduit for spam, inane jokes, and trivia. Expect the same issues with Wave.

Needleman: I think Wave is a great platform for getting work done, but there are dangers. It can take a process that is deliberate and thoughtful and make it into a frothy and superficial back-and-forth. But there are some business process tools that could really benefit from real-time notifications and presence indicators, and from Wave’s capability to show people where others’ attentions are. I’m thinking of the Bugzillia platform, for example. It’d be great to know when a developer is working on a bug I’ve filed, so we can skip the e-mail ping-pong and work through problems in real-time.



Shankland: Wave feels like some crazy crossbreed of Docs, Gmail, and IM, but I overall I find that refreshing more than troubling. And it’s interesting that Google wants Wave to be not merely extensible through a programming interface, but also a brand-new communication protocol for the Internet. Google tries to use openness to advance its agenda, which is tactically intriguing.

How about as a collaborative editor?

Needleman: I did drop into regular IM. The wide-open structure of a Wave message might be a little too open. It’s easy to miss things.

People will see Wave in different ways. For some, it’s a clever take on e-mail. Others will see it as instant messaging with new features. Developers will look at Wave’s open specs and APIs, and see a framework for new collaborative apps. But is it really any of these things, or just a crazy experiment from Google’s Australian outpost?

We used Wave to write this story. It worked pretty well.

What’s next for Wave

(Credit:Screenshot by Rafe Needleman/CNET)

Needleaman: I’m in trouble. I don’t only think before I type. I think before, during, and after. My mother taught me that “writing is re-writing.” I hope Wave doesn’t prove her wrong.

Needleman: I didn’t see it. So I agree, Wave needs better notification features.

As we were writing this document, I found myself wanting to use regular old IM to see if you heard what I was asking about. Maybe that’s just a matter of getting used to Wave, but maybe it’s because it’s is so open-ended it’s hard to tell exactly when a response is sought or provided.

And just as Gmail works best if you only deal with one e-mail at a time, Wave is good at only one wave at a time. That’s fine for a lot of IM-like chats, but if you work in depth on multiple waves simultaneously, think about opening multiple browser tabs. There are boldface indicators of new activity in your inbox, which tell you who’s active, but with multiple tabs you won’t always see them–especially if your inbox gets crowded with new waves.

The user interface is also rough. Finding the vanishing button you need to click to edit a wave is a drag, especially when you lose your place in a wave by having to scroll up to the top when it occurs to you that you want to add some text.

Shankland: Welcome to the limits of Web apps. HTML 5 has some notification work under way, so perhaps that’ll improve in coming years.


Needleman: That’s easy to fix. A little arrow pointing up or down in a document could indicate where others are typing, if they’re off your screen.

Needleman: Wave does feel like modern e-mail, and it relies on the modern Internet to work. Unlike old-fashioned e-mail, which was created when servers didn’t have persistent connection to each other, Wave works because the machines on the Net are now, for the most part, constantly connected to each other. It also brings together different communication styles–e-mail, IM, chat, collaborative editing–into one app. I think that’s great, but I’m not sure how well this idea will scale or what will happen as a broader user base starts to adopt it.

Shankland: I acclimated rapidly, too, but I can see how the multi-edit chaos could be distracting even if you know what’s going on. If you’re the kind of person who can talk on the phone, send a text message, IM, and surf the Web at the same time, you’ll be fine with Wave, but most of us have only so much attention span to go around, and Wave has the potential to overtax.

Shankland: OK, fair point, and I’ll withhold some criticisms of search syntax and contacts management that probably will be improved. But I think this issue could be bigger. One problem with Wave is that the servers have to know which waves are open for editing and when. It’s easy for Google to shut off a user’s editing privileges after a period of inactivity so the server can free up the resources required to keep a communication channel open, but it’s a pain for the user to have to re-enable the privilege frequently, as I had to do while working on this piece. My preference would be that the reply/edit button hovers over the top-right corner of the window even as you scroll so it’s always available.

Shankland: Such as the question I asked you twice that took you two hours to respond to.

CNET Senior Writer Stephen Shankland: Gmail users accustomed to conversation view, which stacks the back-and-forth discussion into a single view, will have an easier time adjusting to Wave’s ways.

Needleman: Lighten up. It’s a developer preview.

Needleman: It’s fun to play with now, but we don’t know what using Wave will be like once we start getting overflowing inboxes of waves.

CNET Editor Rafe Needleman: In some ways, it really is. With Wave, you don’t reply to a message with a new message, you instead add your reply to the message itself. When there are multiple people involved in a conversation, this can prevent a lot of confusion. There’s only one “wave” in a conversation, not a volley of messages flying around that repeat each other.

Wave as a business platform

Needleman: Wave is a lot like Google Docs. Several people can work on a document at the same time. Wave actually is more responsive than Docs and does a better job at letting people know who’s editing what and where.

Shankland: Expect businesses to go through an adjustment period as Wave arrives. There was a day when e-mail was a novelty, and later instant messaging, too, but now they’re settling down to be ordinary tools. Arguably Twitter and social networking are headed that direction for some work purposes, too, and I suspect Wave will go through the same growing pains. Just as with other electronic communications, one person’s active and engaging chat channel is another person’s annoying, productivity-sapping distraction.

Debating the power of Google's Wave

We’ve had about a week to absorb the Google’s pitch for Wave, its new experimental communication platform, and about a day to try the actual early “sandbox” build of the service. See our hands-on review. But there’s more to talk about with Wave. It’s not just an app, it’s an important evolution in the philosophy of written communication.

Is it better than e-mail?

Shankland: In my misspent youth, I used a Unix terminal command, talk, that was something of a precursor to instant messaging. I quickly grew to loathe the fact that every keystroke was visible. How many times have you had second thoughts about an instant message or e-mail? Think before you type.

Also, since Google will open up Wave’s code and its APIs, companies that want to bring Wave in-house without putting all that corporate data on the Internet or in Google’s servers could set up their own private Wave networks. And if they want, they can layer in any auditing or compliance features that Wave doesn’t ship with. Theoretically, anyway.

Needleman: It is at first, but I found that I acclimated to its concepts pretty quickly. What I really appreciate about Wave is how easy it is to move between different modes. You can start a message like an e-mail, and then see it become a chat or IM conversation, and then go into collaboratively editing a document. I know it sounds horribly confusing but I found that it didn’t take long to adapt to it.

Overall, it’s a strong entry from a company that understands what the Internet enables, even if Google itself isn’t a social network powerhouse. Google must convince people not only to sign up for Wave, but also to get their contacts to do so as well, which probably will be as much of a challenge as making the technology work. But the company is more likely to get ahead in the social realm by doing something different, like Wave, as it did with Gmail, and not by trying to out-Twitter Twitter or out-Facebook Facebook.

Needleman: The thing everyone is going to make a big deal of in Wave is that you can interrupt someone who’s carefully writing a message to you. You can barge into a message before they’re done with it, demand the writer’s immediate attention, and force them to shift from composing to replying. There will be a way to hide your real-time activity in Wave, but the default mode is real-time. It’s interruptive and very different. There will be people who hate it.

Needleman: Again, it’s different. In Wave, an e-mail conversation can become like IM, or a multiparty chat room. If there are multiple people in a thread, Wave does a pretty good job of making it clear who’s responding to what. One big difference is that you can reply to anything anybody said, anywhere, so you can end up with a big, hairy mess of threads in a single wave. Hopefully the developers will add a way to collapse threads.

Shankland: Google Docs has plenty of weak points, but I find its collaboration feature a more profound and powerful change than any new features in the last few iterations ofMicrosoft Office. And Google Wave is like Google Docs on steroids when it comes to collaboration. Wave can spotlight the very area where others’ attention is focused, which is important data when collaborating, even if you’re sitting side by side.

Shankland: To me, Wave felt more like an instant-messenger chat room than e-mail. E-mail gives time to pause and reflect, even in today’s everything-is-urgent world. Wave imparts a sense of urgency when multiple people are using it simultaneously. With Wave, you feel rude if you don’t respond to a question soon, at least when your contacts are actually in the wave at the same time.

3nyw Dell acquires Allin’s Microsoft IT consulting

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Dell acquires Allin's Microsoft IT consulting business

Correction, 2:02 p.m. PST: This story misstated the number of Allin’s businesses being acquired by Dell. It is two.

Dell has acquired Allin’s Microsoft IT consulting business, as well as its collaboration and business applications services business, in a $12 million stock deal.

The acquisition does not include Pittsburgh-based Allin’s interactive media and business process consulting units.

The acquisition, announced Friday, aims to bolster Dell’s consulting work in the areas of designing and implementing scalable networks and application architectures via Allin’s technology infrastructure business, as well as in the areas of collaboration and business applications.

The acquisition will further increase Dell’s services business that it has been expanding since early 2000, as a means to further sales of its hardware.

Dawn Kawamoto covers enterprise security and financial news relating to technology for CNET News. E-mail Dawn.


“The expertise we gain from Allin further deepens our ability to help customers exploit Microsoft technologies for business advantage,” Stephen Murdoch, vice president of Dell’s Global Infrastructure Consulting Services, said in a statement.

April 2, 2010

aqzg Contract work fuels rise in tech job postings

Filed under: Ugg Boots — admin @ 2:05 pm

Employers are also issuing a more extensive wish list in what they seek in a high-tech contractor, Shandrow added. In the past, a prospective employer would seek three or four primary skill sets when submitting an order to hire a contractor. Now employers want additional skills for the same level of pay, as well as stipulations relating to the length of the contract, number of hours to be worked and money to be paid, he said.

Although the overall unemployment rate reached 7.6 percent in January and for tech, the rate climbed to 4.8 percent, there are still opportunities for tech employment.

(Credit:Dice.com)



In the past, contractor jobs have also served as a leading indicator to the overall labor market, said Amar Mann, a regional economist at the Bureau of Labor Statistics.

Last February, there were 94,423 positions posted on Dice.com, of which 39.1 percent were for contractors. But this year, as the number of February job postings fell 39.3 percent year over year, contractor positions accounted for 41.8 percent of the job postings.

“In uncertain times, companies are looking for flexibility in their payrolls to continue with critical projects,” said Tom Silver, chief marketing officer for Dice Holdings, which operates Dice.com. Those critical projects often involve improvements to a company’s infrastructure and can offer near-term benefits, he added.

There was a similar trend after the Internet bubble burst in early 2000, when the number tech jobs overall shrank but the slice of contractor positions soared to roughly half of all job postings on Dice by mid-2003.

“For the last year or so, contractor jobs have accounted for 38 to 40 percent of the positions, but I expect that increase,” Silver said. He noted he wouldn’t be surprised if the percentage for contractor job postings eventually reached to 50 percent later this year.

“In previous slowdowns, the first workers who were cut were temporary workers or contractors,” Mann said. “They are cut anywhere from three to 12 months ahead of a slowdown, and this could be seen as a leading indicator to job losses.”

Tech job listings rose to 57,337 as of February 2, up from 55,609 in January, according to the company’s monthly report released Wednesday. But if you’re looking for full-time work with health benefits, you may not find the new data to be especially good news: Helping to drive that modest increase was a 7.3 percent gain in the number of contractor positions, which climbed to 23,955 listings as of February 2, from 22,333 a month earlier, according to the report.

Dawn Kawamoto covers enterprise security and financial news relating to technology for CNET News. E-mail Dawn.


Help wanted: Techies with Android skills

Temporary-placement agency Manpower, meanwhile, finds some tech positions are still in demand, particularly for people skilled in mobile technologies. The problem is a surprisingly thin talent pool for those jobs. Adam Shandrow, area manager for Manpower, said there’s a shortage in finding tech workers who are familiar with Google’s Android smartphone platform and applications that can run on it.

“We still see a slight demand for high-tech engineering jobs, but the timing of placing candidates in those jobs is now very different,” Shandow added. “Before, we could fill a job in three to four weeks, now it takes five to six weeks. And for a permanent position, it used to take a month to fill a high-tech job and now it takes almost two months.”

Jobs posted on technology jobs site Dice.com rose 3.1 percent in February, its first sequential increase since late last summer, just before the economy started to really turn sour in September.

On the positive side, the figures can also indicate when permanent jobs may begin to pick up, Mann added. When the dot-com bust hit in 2001, for example, the number of contractor positions began to shrink. They began to pick up steam in the following year and posted year-over year growth in July 2003. Then four months later, the overall economy began to improve and job growth began in November. That followed a similar pattern in the 1991 recession, Mann said, pointing to a rise in the number of temporary and contract workers in January 1992, with job growth following three months later, Mann noted.

Click chart to get a larger image.

“Overall, tech is still an attractive place to be, even though the number of job listings are down roughly 40 percent,” because there are still over 57,000 positions that need to be filled, Silver said.

Contract work fuels rise in tech job postings

Correction, 12:11 p.m. PST: This story inadvertently gave an incorrect number for the tech job postings at Dice.com in February 2008. The actual number for that month was 94,423. The percentages that stem from that number also have been corrected.

November 12, 2009

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November 11, 2009

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Filed under: UGG, Ugg Boot, Ugg Boots — admin @ 2:01 am

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