Industry in Wesel, Germany

Wesel is a city in Germany, North Rhine-Westphalia with about sixty thousand people. There are some different types of industrial companies. One type is the chemical industry which is strongly represented in Wesel with the bigger companies like Altana Chemistry, BYK Chemistry, the LGC Standards and Oxoid. The Altana Chemistry was created in 1977 and has about six thousand five hundred employees now and makes a turnover of more than 2.3 billion euros.

The BYK Chemistry is a big company too and employs worldwide more than two thousand three hundred employers, thereof about nine hundred in Wesel. They make a turnover of more than one billion euros per year, so they are a bit smaller than the Altana Chemistry. Both companies are important for the inhabitants, because they need many of them as employees.

One more company in Wesel of a different type is Geberit, a well-known manufacturer of sanitary ceramics. They have six locations in Germany. They produce their products since more than hundred years currently with three hundred employees at the location in Wesel. The company produce about …

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The population in the different parts of Wesel, Germany

Wesel is a city in the western part of North Rhine-Westphalia in Germany with an area of 122,56 km2.  The city is divided into five city districts: Wesel, Flüren, Obrighoven-Lackhausen, Bislich and Büderich. In Wesel live about 500 people per km2.

All the five districts have different places of residence. The district Wesel has the most places of residence. Their names are Altstadt, Feldmark, Blumenkamp, Fusternberg, Schepersfeld and Lippedorf. Flüren has only one place of residence with the same name Flüren. The district Obrighoven-Lackhausen is divided in the three places of residence named Lackhausen, Obrighoven and Wittenberg. Bislich has four places of residence – Bislich-Land, Bergerfurth, Bislich-Ortskern and Diersfordt. Büderich is divided in three places of residence named Werrich/Perrich, Ginderich and Büderich.

The district Wesel has an area of 26,08 km2 and a population of 38.300 people (1.468,6 people per km2). Flüren is the smallest district with 9,15 km2 but has a population of 4.792 people (523,7 people per km2). The other districts are bigger than Flüren. The district Obrighoven-Lackhausen has an area of 26,79 km2 and a population of …

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Privately owned housing in Emsdetten

The houses that are for sale in Emsdetten are mostly provided by real estate agents or banks. Flats are rather provided by real estate agents than by private people as well. Buying or renting a house or flat is quite expensive in comparison to other towns in the surrounding. I did a research to find out how much flats in Emsdetten cost. When people look for flats with two bedrooms which are provided by real estate agents or banks, the prices are between €608-€825 per month. The price depends on where the flat is located, how old it is and how many square meters it measures. Three bedroom flats cost €680-€800 per month. The price for a two bedroom flat provided by private people is €760-€850. Flats with three bedrooms cost €860 per month.

The prices for flats are more expensive than in other towns because the demand is very high. When looking for flats on websites like “ebay-kleinanzeigen.de”, which is very popular in Germany, there are many people that are looking for flats in Emsdetten. So when a flat …

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Newstalk interviews Karl Deeter about getting the country back to work

In an interview that drew a massive listener reaction, Pat Kenny interviewed Karl Deeter about the reasons he believes we need to get people back to work sooner rather than later. We would stress the point that this isn’t implied as doing so in a reckless manner, hand hygiene, distancing and other protocols already being followed in shops and essential services jobs would be required. Dr. Sam McConkey was also on to critique his view. The debate was well rounded and respectful, you can listen to the clip below.

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The Last Word on TodayFM features Irish Mortgage Brokers, 30/04/2020

We were part of a discussion around Covid19 and mortgages on Matt Cooper’s ‘The Last Word’ show on Today FM yesterday. The other participant was Brian Hayes of the Banking and Payments Federation of Ireland.

For our part we were impressed with the fact that the banks have been able to do more than 2,000 mortgage restructures per working day since the pandemic driven mortgage breaks were announced. To put that in perspective, it took six years to do 100,000 restructures after the financial crisis. This time around that figure could be achieved in a little over two months, that is something to be commended.

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Remove the lending limits to aid economic recovery? They’re considering it in New Zealand.

The Royal Bank of New Zealand (their central bank) is considering the removal of the lending limits – similar to our own – because it’s a countercyclical tool that is no longer needed.

“More recently we have proposed removing mortgage loan-to-value ratio (LVR) restrictions, as this is a countercyclical tool and we have been able to consider lowering this now that the risks of excessive lending have subsided and banks can now lean into a recovery. This should also enable banks to support customer needs”

That spells it out fairly loud and clear, if the tool isn’t needed then why deploy it? At the moment we are seeing massive issues with sales due to banks restricting in order to comply with the lending rules, this is an unforeseen consequence that will damage certain borrowers who have entered into contracts in good faith.

It’s worth noting that we took our lead in part from New Zealand on the lending rules, our new Governor is from there and house prices in New Zealand are also high – …

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The Last Word on Today FM: What about property prices after covid19?

We were guests on Matt Cooper’s ‘The Last Word’ show on Today FM along with Marian Finnegan the MD of SherryFitzgerald’s residential business to discuss the residential property market and how it might work out in the wake of the covid19 pandemic.

Marian gave good analysis as you’d expect, Karl was pointing out that supply shortages would persist despite any changes that may occur in prices, the reasons for this being that the dynamics that existed prior to it hadn’t changed.

The full clip of the piece is below.

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Mortgage lenders in Ireland

There are ten mortgage lenders in Ireland. AIB, Bank of Ireland, EBS, Finance Ireland, Haven, ICS/Dilosk, KBC, PTsb, Ulster Bank and Credit Unions.

A mortgage broker can help you make an application to all of them except for the EBS who don’t distribute through brokers and Credit Unions who have to be applied to directly and individually.

The main comparison between lenders is their interest rate, but there are many other features of a loan to consider such as the rates that may apply after a fixed rate expires, cash-back and other terms and features that are specific to loans from certain banks.

For instance, some lenders will let you overpay a fixed rate mortgage, others will penalize you if you do that. To find out more get in touch and we can help you figure out what lender is the best for your circumstances.

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Good Grub: When the going gets rough, help those less fortunate than you.

Some people decide that when the going gets rough, they’ll help those less fortunate than themselves, nothing can be more spiritually reaffirming than this type of attitude.

Denis Reilly (oh ate 6 2744727) started a GoFundMe to help raise money so that kids in Deis schools (Deis schools are usually in deprived areas where you get meals as part of your school day) can still access fresh fruit and vegetables. Within a short amount of time they raised over €100,000 and this will help to feed 5,000 families across Dublin for a month.

So far they have raised €119,000 with a goal of €250,000. They are distributing via Glanmore Foods who already supply non-fresh foods and this takes care of the logistics. This is some good news, worth hearing more of (so far only the indo covered it!)

See more at https://www.goodgrub.ie/

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