Dear Reader, The hospital is a life-changing place for most who go inside, not just for patients and their loved ones: even for those who work there. The hospital gives, but it also takes a lot. This is how Sonja Burkert-Rettenmaier experiences it. She is a doctor and prospective trauma surgeon in a clinic in Bavaria. She is committed to better working conditions and has written down her experiences for us: "It took more from me than I sometimes want to admit. My health, after contagion and severe Covid infection. My relationship when, after six years, a wonderful man no longer wanted to watch how building up others meant my constant decay at the same time. The hospital has taken away my idealism, my belief in the fundamentally good in people. Or at least in HR departments and management." The examples from her everyday work are – worth reading, but more than that, feel free to take a look for yourself.
Carsten Knop
Editor.
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This newsletter is never free of hard changes of topic, as the selection of texts results from your reading interest of the past few days. It often revolves around money, so everything is like in real life: In March, 524,739 new certificates were issued for investors. A year earlier, the figure was as high as 654,000. No other industry advertises for people's money with such diversity. From the guarantee certificate for conservative investors to the multi-leveraged knock-out product, everything is included. It is possible to speculate on rising and falling share prices, on a number of commodities, on indices of various countries, and all this in a wide variety of risk levels. And the turnaround in interest rates has led to better conditions for certificates. Hundreds of thousands of products are available to choose from for almost every taste. Daniel Mohr presents five, here you can learn a lot.
And another money issue: the repayment of loans remains a thriller. In recent years, early repayment of mortgages has resulted in compensation because the banks only received interest for the reinvestment of the money that was below the rates of the loan. Now the wind has turned. We have the curious situation that the current credit interest rates are higher than the borrowing rates that were agreed four or five years ago. This should actually lead to customers now receiving money from their bank if they repay their loans before the fixed interest rate expires. Actually! But there is no sign of this far and wide, and Volker Looman explains this "mess" to you with three examples.
Have a nice Pentecost weekend, if you are interested in football, I keep my fingers crossed for your respective club for what there is still to achieve (well, not for one). If you have an F+ subscription and have any questions, please feel free to write to me: c.knop@faz.de.
Regards
Yours, Carsten Knop
, publisher, Frankfurter
Allgemeine Zeitung