Germany – Canada Immigration Policies

Just reading the other day that Germany will have a closer look to Canada when making changes to their immigration rules. Canada being looked upon as a ‘Vorbild’ (model). Problems in Germany mainly brought about by strong opposition against certain groups of immigrants, having lead to massive demonstrations and racism. [ ].
What is ridiculous is that the majority of those who march in demonstrations are not even German. They are immigrants having arrived from many different countries. And received some German passport. The real Germans are the older senior citizens, they do not march. If they would march, they would likely be killed or at least severely beaten by the young radical ones.
How on the other hand Canada can be a model is questionable. Canada is a large area, empty one might say. Of course, immigration rules can be relaxed here. There is space for so many more immigrants. And BTW to immigrate to Canada one must have proof of work or employment. That was when I came in. How it is now, I do not know. We certainly have large numbers of so called homeless people lying around in the street, who do not look like they ever worked. But get free health care and subsistence allowances and free everything.

Investment Advisors

Investment advice, investment advisors – better trust your own judgement. After getting yourself informed, using all pertinent channels of information available free of charge. Don’t blindly trust those who more often than not rely on guesswork and needing to take in a whole slew of data on overall market conditions, domestic as well as international. Definition of investment advisor [ ].
One good example of investments proposed by banking investment advisors are mutual funds. As known: “mitgefangen, mitgehangen”. How many millions of investors are clumped together in one big investment fund, managed by a few (more or less capable), and when something goes wrong, “all of us hang with it” [ ].
Years ago on the advice of my then investment advisor I had also put some of my money into several mutual funds. Result: losses, high capital gains taxes to pay (each and every one of the investors must pitch in) despite the market value dropping. Pursuent to my research of what some funds are invested into I found some obscure off-shore banks, and others none existant. After my decision to rid myself of all mutual funds, my entire retirement portfolio went up again in overall value. Today I trust myself. Despite the fact that I may still loose money, but at least it is lost value based on my own stupidity and not somebody elses.