1 00:00:00,860 --> 00:00:07,460 B: There used to be the Deutsche Mark [old German currency], the Mark, now we have euro and everyone is happy/ the euro and everyone likes it. 2 00:00:01,080 --> 00:00:01,100 B: $INDEX1 3 00:00:01,340 --> 00:00:01,600 B: FRÜHER1 4 00:00:01,340 --> 00:00:01,600 B: früher 5 00:00:01,820 --> 00:00:02,780 B: $ALPHA1:D-M 6 00:00:01,820 --> 00:00:02,780 B: d-m 7 00:00:03,000 --> 00:00:03,220 B: MARK1 8 00:00:03,000 --> 00:00:03,220 B: mark 9 00:00:03,960 --> 00:00:04,320 B: UM2A^ 10 00:00:03,960 --> 00:00:04,320 B: [MG] 11 00:00:04,540 --> 00:00:05,040 B: euro 12 00:00:04,540 --> 00:00:04,880 B: $INIT-KREIS1^* 13 00:00:05,020 --> 00:00:05,040 B: $INDEX1 14 00:00:05,240 --> 00:00:05,360 B: FROH1* 15 00:00:05,240 --> 00:00:05,360 B: froh 16 00:00:05,520 --> 00:00:05,740 B: EURO1 17 00:00:05,520 --> 00:00:05,740 B: euro 18 00:00:06,180 --> 00:00:07,440 B: froh 19 00:00:06,180 --> 00:00:06,520 B: FROH1 20 00:00:06,700 --> 00:00:07,440 B: VERGLEICH1A^* 21 00:00:08,460 --> 00:00:09,540 A: I don't know. 22 00:00:08,880 --> 00:00:09,540 B: Is that a good thing? 23 00:00:08,880 --> 00:00:09,080 A: ||$GEST-ICH-WEISS-NICHT1^* 24 00:00:08,880 --> 00:00:09,080 A: [MG] 25 00:00:09,020 --> 00:00:09,280 B: ||GUT1* 26 00:00:09,020 --> 00:00:09,280 B: [MG] 27 00:00:09,480 --> 00:00:09,520 B: ||$GEST-OFF^* 28 00:00:09,540 --> 00:00:17,240 A: On the one hand everyone is happy, of course, that the economy can grow through it, on the other hand, everyone is surprised that the prices increase. 29 00:00:09,780 --> 00:00:10,100 A: ||SEITE-KÖRPER1^ 30 00:00:10,420 --> 00:00:10,580 A: ||$GEST-OFF^* 31 00:00:10,900 --> 00:00:10,980 A: ||$INDEX1* 32 00:00:11,060 --> 00:00:11,360 A: ||FROH1* 33 00:00:11,060 --> 00:00:11,360 A: froh 34 00:00:11,500 --> 00:00:11,720 A: ||KLAR1B 35 00:00:11,500 --> 00:00:11,720 A: klar 36 00:00:12,040 --> 00:00:12,320 A: WIRTSCHAFT1B 37 00:00:12,040 --> 00:00:12,320 A: wirtschaft 38 00:00:12,600 --> 00:00:12,940 A: ||AUFWÄRTS1B^ 39 00:00:12,600 --> 00:00:12,940 A: [MG] 40 00:00:13,100 --> 00:00:13,720 A: soll 41 00:00:13,100 --> 00:00:13,260 A: ||SOLL1 42 00:00:13,380 --> 00:00:13,720 A: ||$GEST-OFF^* 43 00:00:14,520 --> 00:00:14,740 A: SEITE-KÖRPER1^ 44 00:00:14,840 --> 00:00:15,320 A: $GEST-OFF^ 45 00:00:14,840 --> 00:00:15,320 A: [MG] 46 00:00:15,620 --> 00:00:16,680 A: ||TEUER1* 47 00:00:15,620 --> 00:00:16,680 A: teuer teuer teuer 48 00:00:15,840 --> 00:00:17,840 B: Everything costs twice as much, right? 49 00:00:16,160 --> 00:00:16,200 B: TEUER1* 50 00:00:16,160 --> 00:00:16,200 B: so wie 51 00:00:16,600 --> 00:00:17,420 B: DOPPEL1B* 52 00:00:16,600 --> 00:00:17,420 B: doppelt 53 00:00:16,780 --> 00:00:17,080 A: $GEST-OFF^ 54 00:00:17,240 --> 00:00:18,600 A: Now everything is twice as expensive. Every price multiplied by two. 55 00:00:17,320 --> 00:00:17,580 A: ||DOPPEL1A 56 00:00:17,320 --> 00:00:17,580 A: doppelt 57 00:00:17,800 --> 00:00:17,960 A: ||MULTIPLIZIEREN1 58 00:00:17,800 --> 00:00:17,960 A: mal 59 00:00:18,120 --> 00:00:18,260 A: ||$NUM-EINER1A:2 60 00:00:18,120 --> 00:00:18,260 A: zwei 61 00:00:18,600 --> 00:00:22,880 A: Take beer for example: Nowadays it is twice as expensive and if you are ordering a second beer, you're thinking twice about it because it's so expensive. 62 00:00:18,980 --> 00:00:19,380 A: ||BIER1 63 00:00:18,980 --> 00:00:19,380 A: bier 64 00:00:19,680 --> 00:00:19,960 A: ||$PROD* 65 00:00:20,080 --> 00:00:20,340 A: ||DANN1A 66 00:00:20,540 --> 00:00:20,780 A: ||BIER3 67 00:00:20,540 --> 00:00:20,780 A: [MG] 68 00:00:20,980 --> 00:00:21,420 A: ||DOPPEL1A 69 00:00:20,980 --> 00:00:21,420 A: doppelt 70 00:00:21,740 --> 00:00:21,860 A: ||PLÖTZLICH4* 71 00:00:22,100 --> 00:00:22,820 A: $GEST-NM^* 72 00:00:22,100 --> 00:00:22,820 A: [MG] 73 00:00:22,880 --> 00:00:24,360 A: Don't get me started on wine. It has gotten so bad. 74 00:00:23,060 --> 00:00:23,280 A: ||WEIN2A 75 00:00:23,060 --> 00:00:23,280 A: wein 76 00:00:23,460 --> 00:00:23,780 A: ||$GEST-OH-MEIN-GOTT1^* 77 00:00:23,960 --> 00:00:24,340 A: ||SCHLIMM3A* 78 00:00:23,960 --> 00:00:24,340 A: schlimm 79 00:00:24,360 --> 00:00:26,680 A: Wine used to cost ten Mark. 80 00:00:24,620 --> 00:00:24,860 A: ||WEIN2A 81 00:00:24,620 --> 00:00:24,860 A: wein 82 00:00:25,280 --> 00:00:25,400 A: ||$NUM-EINER1A:10* 83 00:00:25,280 --> 00:00:25,400 A: zehn 84 00:00:25,580 --> 00:00:26,680 A: mark 85 00:00:25,580 --> 00:00:25,700 A: ||MARK1 86 00:00:25,820 --> 00:00:26,680 A: ||$GEST-OFF^* 87 00:00:26,680 --> 00:00:28,420 A: Back then, that were four/ 88 00:00:26,900 --> 00:00:29,160 B: Are you talking about a bottle or in a pub? 89 00:00:27,040 --> 00:00:27,520 A: ||DAMALS1 90 00:00:27,040 --> 00:00:27,520 A: damals 91 00:00:27,140 --> 00:00:27,240 B: $NUM-EINER1A:1d 92 00:00:27,140 --> 00:00:27,240 B: eine 93 00:00:27,420 --> 00:00:27,800 B: FLASCHE1A 94 00:00:27,420 --> 00:00:27,800 B: flasche 95 00:00:27,760 --> 00:00:27,800 A: ||$NUM-EINER1A:4 96 00:00:27,760 --> 00:00:27,800 A: vier 97 00:00:27,800 --> 00:00:28,380 A: $GEST-NM-KOPFSCHÜTTELN1^ 98 00:00:27,800 --> 00:00:28,380 A: [MG] 99 00:00:28,040 --> 00:00:28,300 B: $ORAL^ 100 00:00:28,040 --> 00:00:28,300 B: oder 101 00:00:28,400 --> 00:00:28,840 B: wirtschaft 102 00:00:28,400 --> 00:00:28,620 B: WIRTSCHAFT-GASTRONOMIE2* 103 00:00:28,420 --> 00:00:29,160 A: A glas of wine. 104 00:00:28,540 --> 00:00:28,800 A: ||TRINKEN1B^ 105 00:00:28,540 --> 00:00:28,800 A: glas 106 00:00:28,760 --> 00:00:28,840 B: $INDEX1* 107 00:00:29,160 --> 00:00:34,440 A: You used to pay four or five Mark - maybe around 4,80 Mark - for a glas of wine. 108 00:00:29,460 --> 00:00:31,340 B: Ten euros. 109 00:00:29,520 --> 00:00:29,880 A: ||TRINKEN1B^ 110 00:00:29,520 --> 00:00:29,880 A: glas 111 00:00:30,320 --> 00:00:30,620 A: ||DAMALS1 112 00:00:30,320 --> 00:00:30,620 A: damals 113 00:00:30,620 --> 00:00:30,900 B: $NUM-EINER1A:10* 114 00:00:30,620 --> 00:00:30,900 B: zehn euro 115 00:00:30,900 --> 00:00:31,340 A: ||$NUM-EINER1A:4 116 00:00:31,800 --> 00:00:31,940 A: ||$NUM-EINER1A:4 117 00:00:31,800 --> 00:00:31,940 A: vier 118 00:00:32,440 --> 00:00:32,560 A: ||MARK1* 119 00:00:32,440 --> 00:00:32,560 A: m{ark} 120 00:00:32,800 --> 00:00:32,840 A: ||$NUM-EINER1A:5 121 00:00:32,800 --> 00:00:32,840 A: oder fünf 122 00:00:33,160 --> 00:00:33,760 A: mark 123 00:00:33,160 --> 00:00:33,300 A: ||MARK1 124 00:00:33,500 --> 00:00:33,760 A: ||VIELLEICHT1 125 00:00:33,900 --> 00:00:33,960 A: ||$NUM-EINER1A:4 126 00:00:33,900 --> 00:00:33,960 A: vier mark 127 00:00:34,220 --> 00:00:34,320 A: ||$NUM-ZEHNER2A:8d 128 00:00:34,220 --> 00:00:34,320 A: achtzig 129 00:00:34,440 --> 00:00:36,320 A: These days, that are 4,80 euros. 130 00:00:34,560 --> 00:00:34,680 A: ||HEUTE1 131 00:00:34,560 --> 00:00:34,680 A: heute 132 00:00:34,900 --> 00:00:35,140 A: ||$NUM-EINER1A:4 133 00:00:34,900 --> 00:00:35,140 A: vier euro 134 00:00:35,260 --> 00:00:35,540 A: achtzig 135 00:00:35,260 --> 00:00:35,420 A: ||$NUM-ZEHNER2A:8d* 136 00:00:35,420 --> 00:00:35,540 A: ||$GEST-OFF^* 137 00:00:36,320 --> 00:00:41,060 A: Of course you have take the inflation into consideration. 138 00:00:36,760 --> 00:00:37,000 A: ||KLAR1B 139 00:00:36,760 --> 00:00:37,000 A: klar 140 00:00:37,580 --> 00:00:37,740 A: ||PLUS1* 141 00:00:37,580 --> 00:00:37,740 A: plus 142 00:00:38,000 --> 00:00:39,100 A: inflation 143 00:00:38,000 --> 00:00:38,220 A: ||$ALPHA1:I 144 00:00:38,580 --> 00:00:38,700 A: ||GEBEN-GELD2A^* 145 00:00:38,800 --> 00:00:39,100 A: ||ABFALLEN1^* 146 00:00:39,440 --> 00:00:41,000 A: inflation 147 00:00:39,440 --> 00:00:40,200 A: ||WENIGER-WERDEN3B^ 148 00:00:40,500 --> 00:00:41,000 A: ||$GEST-OFF^* 149 00:00:41,060 --> 00:00:44,200 A: If you were to calculate the inflation into it, it would probably already cost like ten Mark. 150 00:00:41,200 --> 00:00:41,480 A: ||DANACH1A^* 151 00:00:41,740 --> 00:00:41,860 A: ||DAZU1 152 00:00:41,980 --> 00:00:42,220 A: ||UNGEFÄHR2^ 153 00:00:41,980 --> 00:00:42,220 A: [MG] 154 00:00:42,300 --> 00:00:42,420 A: ||JETZT3* 155 00:00:42,300 --> 00:00:42,420 A: jetzt 156 00:00:42,520 --> 00:00:42,820 A: VIELLEICHT3* 157 00:00:42,520 --> 00:00:42,820 A: vielleicht 158 00:00:42,940 --> 00:00:42,960 A: $NUM-EINER1A:10 159 00:00:42,940 --> 00:00:42,960 A: zehn 160 00:00:43,140 --> 00:00:43,360 A: ||MARK1 161 00:00:43,140 --> 00:00:43,360 A: mark 162 00:00:43,600 --> 00:00:43,720 A: ||SCHON1B 163 00:00:43,600 --> 00:00:43,720 A: schon 164 00:00:43,720 --> 00:00:43,920 A: ||$GEST-OFF^* 165 00:00:44,200 --> 00:00:45,360 A: Or even eleven Mark. 166 00:00:44,420 --> 00:00:44,580 A: ||$NUM-SCHNIPS1:1* 167 00:00:44,420 --> 00:00:44,580 A: oder elf 168 00:00:44,780 --> 00:00:44,920 A: ||MARK1 169 00:00:44,780 --> 00:00:44,920 A: mark 170 00:00:45,060 --> 00:00:45,180 A: ||$GEST-OFF^ 171 00:00:45,360 --> 00:00:48,540 A: Everyone just pays their four euros without thinking about it. 172 00:00:45,360 --> 00:00:46,880 B: If you/ 173 00:00:45,640 --> 00:00:45,900 A: ||KEINE-AHNUNG3 174 00:00:45,640 --> 00:00:45,900 A: [MG] 175 00:00:46,060 --> 00:00:46,180 B: WENN1* 176 00:00:46,060 --> 00:00:46,180 B: wenn 177 00:00:46,080 --> 00:00:46,180 A: ||BEZAHLEN1* 178 00:00:46,180 --> 00:00:46,320 B: ACHTUNG1A^* 179 00:00:46,600 --> 00:00:46,760 A: ||$NUM-EINER1A:4* 180 00:00:46,600 --> 00:00:46,760 A: vier euro 181 00:00:47,020 --> 00:00:47,480 A: ||$PROD* 182 00:00:47,020 --> 00:00:47,480 A: [MG] 183 00:00:47,480 --> 00:00:47,840 A: ||$GEST-OFF^ 184 00:00:47,480 --> 00:00:47,840 A: [MG] 185 00:00:48,160 --> 00:00:48,300 A: ||$GEST-ABWINKEN1^ 186 00:00:48,160 --> 00:00:48,300 A: [MG] 187 00:00:48,300 --> 00:00:48,480 A: ||GEWESEN1^ 188 00:00:48,540 --> 00:00:49,980 A: While, at the same time, we are only getting paid half of our wages. 189 00:00:48,920 --> 00:00:49,120 A: ||HALB1A 190 00:00:48,920 --> 00:00:49,120 A: hälfte 191 00:00:49,300 --> 00:00:49,440 A: ||LOHN1 192 00:00:49,300 --> 00:00:49,440 A: lohn 193 00:00:49,440 --> 00:00:53,240 B: Exactly! The wage didn't rise but stayed the same. 194 00:00:49,440 --> 00:00:49,700 A: ||$GEST-OFF^ 195 00:00:49,620 --> 00:00:49,700 B: EBEN-GRUND1* 196 00:00:49,980 --> 00:00:51,140 A: There are two sides to this. 197 00:00:50,100 --> 00:00:50,580 A: VERGLEICH2^ 198 00:00:50,100 --> 00:00:50,580 A: [MG] 199 00:00:50,560 --> 00:00:50,720 B: LOHN1 200 00:00:50,560 --> 00:00:50,720 B: lohn 201 00:00:50,940 --> 00:00:51,080 B: BLEIBEN1* 202 00:00:50,940 --> 00:00:51,080 B: bleiben 203 00:00:51,320 --> 00:00:51,840 B: GLEICH1A* 204 00:00:52,580 --> 00:00:52,800 B: ERHÖHEN1B 205 00:00:53,000 --> 00:00:53,140 B: NICHT3A 206 00:00:53,240 --> 00:00:54,980 B: That is unfair. Oh well. 207 00:00:53,540 --> 00:00:54,000 B: STIMMT1^* 208 00:00:53,540 --> 00:00:54,000 B: ungerecht 209 00:00:54,420 --> 00:00:54,600 B: ||AB2^ 210 00:00:54,980 --> 00:01:02,200 A: A lot of the companies waited for the initiation of the euro to raise their employees' wages because they were hoping to earn more revenues by that. 211 00:00:55,300 --> 00:00:55,500 A: ||VIEL1A 212 00:00:55,300 --> 00:00:55,500 A: viel 213 00:00:55,680 --> 00:00:56,220 A: ||FIRMA1A* 214 00:00:55,680 --> 00:00:56,220 A: firma 215 00:00:56,820 --> 00:00:57,100 A: ||WARTEN2 216 00:00:56,820 --> 00:00:57,100 A: warten 217 00:00:57,380 --> 00:00:57,520 A: ||WÜNSCHEN1B 218 00:00:57,380 --> 00:00:57,520 A: wünschen 219 00:00:57,760 --> 00:00:58,060 A: ||OBEN3B^* 220 00:00:58,200 --> 00:00:58,400 A: ||NEIN1B^* 221 00:00:58,460 --> 00:00:58,780 A: ||WARTEN2 222 00:00:58,460 --> 00:00:58,780 A: warten 223 00:00:58,980 --> 00:00:59,060 A: ||BIS1* 224 00:00:58,980 --> 00:00:59,060 A: bis 225 00:00:59,220 --> 00:00:59,380 A: ||EURO1 226 00:00:59,220 --> 00:00:59,380 A: euro 227 00:00:59,780 --> 00:01:00,460 A: SICH-DIE-HÄNDE-REIBEN1^ 228 00:01:00,580 --> 00:01:00,600 A: ||$INDEX1* 229 00:01:00,740 --> 00:01:00,900 A: ||MEHR1 230 00:01:00,740 --> 00:01:00,900 A: mehr 231 00:01:01,060 --> 00:01:01,440 A: ||EINNAHME1 232 00:01:01,060 --> 00:01:01,440 A: einnahmen 233 00:01:01,640 --> 00:01:01,900 A: ||MEHR1 234 00:01:01,640 --> 00:01:01,900 A: mehr 235 00:01:02,200 --> 00:01:08,580 A: The rents increased which is connected to other causes. This way a spiral of rising prices emerges. 236 00:01:02,200 --> 00:01:03,060 B: There are other reasons, too. 237 00:01:02,360 --> 00:01:02,840 B: $GEST^ 238 00:01:02,360 --> 00:01:02,840 B: [MG] 239 00:01:02,540 --> 00:01:02,640 A: ||AUCH3A* 240 00:01:02,540 --> 00:01:02,640 A: aber auch 241 00:01:02,820 --> 00:01:03,380 A: gleichzeitig 242 00:01:02,820 --> 00:01:02,980 A: GLEICH1A* 243 00:01:03,140 --> 00:01:03,380 A: ZEIT1 244 00:01:03,680 --> 00:01:03,900 A: ||TEUER1* 245 00:01:03,680 --> 00:01:03,900 A: teuer 246 00:01:04,100 --> 00:01:04,300 A: ||MIETE1 247 00:01:04,100 --> 00:01:04,300 A: miete 248 00:01:04,440 --> 00:01:06,680 B: Yes, that and other things cause it. That's true. 249 00:01:04,480 --> 00:01:05,180 A: ||VIELES-HÄNGT-ZUSAMMEN1* 250 00:01:04,480 --> 00:01:05,180 A: [MG] 251 00:01:04,860 --> 00:01:05,420 B: $GEST^ 252 00:01:05,460 --> 00:01:05,640 A: ||ZUSAMMENHANG1A^* 253 00:01:05,460 --> 00:01:05,640 A: kette 254 00:01:05,740 --> 00:01:06,560 A: KETTE1^* 255 00:01:05,740 --> 00:01:05,880 B: STIMMT1A 256 00:01:05,740 --> 00:01:05,880 B: stimmt 257 00:01:06,680 --> 00:01:07,960 A: [MG] 258 00:01:06,680 --> 00:01:07,120 A: SPIRALE1^* 259 00:01:07,340 --> 00:01:07,960 A: ||OBEN2B^* 260 00:01:09,580 --> 00:01:19,980 B: There were some reforms concerning the unemployed that receive unemployment pay four or five years ago. There were a lot of different changes also concerning Hartz 4. 261 00:01:10,360 --> 00:01:10,480 B: UND5 262 00:01:10,360 --> 00:01:10,480 B: und 263 00:01:10,600 --> 00:01:10,940 B: $INDEX1 264 00:01:11,480 --> 00:01:11,800 B: ARBEITSLOS1 265 00:01:11,480 --> 00:01:11,800 B: arbeitslos 266 00:01:12,520 --> 00:01:12,780 B: PERSON1* 267 00:01:12,940 --> 00:01:13,460 B: betroffen 268 00:01:12,940 --> 00:01:13,160 B: BETROFFEN2 269 00:01:13,380 --> 00:01:13,460 B: PERSON1 270 00:01:13,640 --> 00:01:14,720 B: arbeitslosengeld 271 00:01:13,640 --> 00:01:13,680 B: ARBEITEN1* 272 00:01:13,840 --> 00:01:13,940 B: $WORTTEIL-LOS1 273 00:01:14,260 --> 00:01:14,720 B: BEZAHLEN3^* 274 00:01:14,860 --> 00:01:14,920 B: $INDEX1* 275 00:01:15,200 --> 00:01:15,280 B: AUCH1B 276 00:01:15,200 --> 00:01:15,280 B: auch 277 00:01:15,480 --> 00:01:15,540 B: NEU1A 278 00:01:15,480 --> 00:01:15,540 B: neu 279 00:01:15,860 --> 00:01:16,140 B: UM1A^ 280 00:01:15,860 --> 00:01:16,140 B: [MG] 281 00:01:16,360 --> 00:01:16,540 B: VERGANGENHEIT1^ 282 00:01:16,360 --> 00:01:16,540 B: [MG] 283 00:01:16,600 --> 00:01:16,680 B: $ORAL^ 284 00:01:16,600 --> 00:01:16,680 B: vielleicht 285 00:01:16,700 --> 00:01:16,920 B: JAHR1B* 286 00:01:16,700 --> 00:01:16,920 B: vier jahr 287 00:01:17,040 --> 00:01:17,120 B: JAHR1B* 288 00:01:17,040 --> 00:01:17,120 B: fünf 289 00:01:17,120 --> 00:01:17,240 B: VERGANGENHEIT1^ 290 00:01:17,120 --> 00:01:17,240 B: jahr 291 00:01:17,380 --> 00:01:17,860 B: hartz vier 292 00:01:17,380 --> 00:01:17,480 B: HARTZ1A 293 00:01:17,680 --> 00:01:17,860 B: $NUM-RÖM1:4 294 00:01:18,080 --> 00:01:18,820 B: NEU1A* 295 00:01:18,080 --> 00:01:18,820 B: neu neu neu 296 00:01:18,980 --> 00:01:19,660 B: $GEST-OFF^* 297 00:01:19,980 --> 00:01:21,320 B: I wasn't affected. 298 00:01:20,240 --> 00:01:20,340 B: SELBST1A* 299 00:01:20,240 --> 00:01:20,340 B: selbst 300 00:01:20,480 --> 00:01:20,840 B: betroffen 301 00:01:20,480 --> 00:01:20,620 B: BETROFFEN2 302 00:01:20,700 --> 00:01:20,840 B: AUF-PERSON1* 303 00:01:20,980 --> 00:01:21,280 B: KEIN8* 304 00:01:20,980 --> 00:01:21,280 B: [MG] 305 00:01:21,320 --> 00:01:23,120 B: Though, there were others who were affected badly. 306 00:01:21,340 --> 00:01:21,480 B: ABER1* 307 00:01:21,340 --> 00:01:21,480 B: aber 308 00:01:21,620 --> 00:01:22,120 B: viele 309 00:01:21,620 --> 00:01:21,680 B: VIEL1A* 310 00:01:21,800 --> 00:01:22,120 B: $INDEX1* 311 00:01:22,260 --> 00:01:22,600 B: SEHR-VIEL2 312 00:01:22,260 --> 00:01:22,600 B: [MG] 313 00:01:23,120 --> 00:01:27,220 A: The unemployed can receive Hartz 4 voluntarily. You can also choose to live independently without the help of the government. 314 00:01:23,460 --> 00:01:24,140 A: hartz vier 315 00:01:23,460 --> 00:01:23,600 A: ||HARTZ1A 316 00:01:23,880 --> 00:01:24,140 A: ||$NUM-RÖM1:4 317 00:01:24,540 --> 00:01:24,960 A: freiwillig 318 00:01:24,540 --> 00:01:24,740 A: ||FREIWILLIG4* 319 00:01:24,740 --> 00:01:24,960 A: ||NEIN3B^* 320 00:01:25,240 --> 00:01:25,480 A: STAAT1A 321 00:01:25,240 --> 00:01:25,480 A: staat 322 00:01:25,980 --> 00:01:26,240 A: ||UNABHÄNGIG1 323 00:01:25,980 --> 00:01:26,240 A: [MG] 324 00:01:26,620 --> 00:01:26,820 A: ||$GEST-OFF^* 325 00:01:27,220 --> 00:01:30,940 A: It was named after the person who came up with the concept. 326 00:01:27,660 --> 00:01:27,740 A: ||$INDEX1* 327 00:01:27,660 --> 00:01:27,740 A: warum 328 00:01:28,020 --> 00:01:28,540 A: name 329 00:01:28,020 --> 00:01:28,180 A: ||AUF-PERSON1^ 330 00:01:28,380 --> 00:01:28,540 A: ||NAME1A* 331 00:01:28,740 --> 00:01:28,880 A: $INDEX1* 332 00:01:29,600 --> 00:01:29,820 A: ||ERFINDEN1 333 00:01:29,600 --> 00:01:29,820 A: [MG] 334 00:01:30,440 --> 00:01:30,860 A: GEBEN1A^* 335 00:01:30,440 --> 00:01:30,860 A: [MG] 336 00:01:30,940 --> 00:01:35,140 A: He was an expert on taxes, and he calculated how much money the people would receive. 337 00:01:31,300 --> 00:01:31,320 A: ||$INDEX1* 338 00:01:31,520 --> 00:01:31,700 A: ||STEUERUNG1* 339 00:01:31,520 --> 00:01:31,700 A: steuer 340 00:01:31,820 --> 00:01:32,460 A: ||VIELES-HÄNGT-ZUSAMMEN1* 341 00:01:32,820 --> 00:01:33,040 A: ||GESCHICKT1A^ 342 00:01:32,820 --> 00:01:33,040 A: [MG] 343 00:01:33,200 --> 00:01:33,660 A: ||VIELES-HÄNGT-ZUSAMMEN1* 344 00:01:34,020 --> 00:01:34,160 A: SO1* 345 00:01:34,020 --> 00:01:34,160 A: so 346 00:01:34,340 --> 00:01:34,580 A: BEKOMMEN1* 347 00:01:34,340 --> 00:01:34,580 A: bekommen 348 00:01:35,140 --> 00:01:44,120 B: The receivers of Hartz 4 don’t have an easy life, but they have the advantage of having their rent paid for them. 349 00:01:35,180 --> 00:01:35,360 B: $ORAL^ 350 00:01:35,180 --> 00:01:35,360 B: aber 351 00:01:35,540 --> 00:01:35,960 B: ARMER1 352 00:01:35,540 --> 00:01:35,960 B: [MG] 353 00:01:36,220 --> 00:01:36,360 B: JA1A 354 00:01:36,220 --> 00:01:36,360 B: ja 355 00:01:36,520 --> 00:01:36,960 B: ABER1 356 00:01:36,520 --> 00:01:36,960 B: aber 357 00:01:37,140 --> 00:01:37,660 B: hartz vier 358 00:01:37,140 --> 00:01:37,240 B: HARTZ1A 359 00:01:37,460 --> 00:01:37,660 B: $NUM-RÖM1:4 360 00:01:37,920 --> 00:01:38,080 B: BEKOMMEN1* 361 00:01:37,920 --> 00:01:38,080 B: bekomm 362 00:01:38,280 --> 00:01:38,560 B: MIETE2* 363 00:01:38,280 --> 00:01:38,560 B: miete 364 00:01:38,840 --> 00:01:39,380 B: frei 365 00:01:38,840 --> 00:01:39,000 B: FREI-KOSTENLOS1* 366 00:01:39,140 --> 00:01:39,380 B: $GEST-OFF^ 367 00:01:39,620 --> 00:01:39,800 B: VORTEIL1 368 00:01:39,620 --> 00:01:39,800 B: [MG] 369 00:01:40,220 --> 00:01:44,120 B: $GEST-OFF^ 370 00:01:40,460 --> 00:01:50,360 A: On the one hand there is the state who provides Hartz 4 voluntarily and on the other hand there are the people who protest and demand more money. 371 00:01:40,680 --> 00:01:40,900 A: ||VIEL1A 372 00:01:40,680 --> 00:01:40,900 A: viele 373 00:01:41,100 --> 00:01:41,620 A: ||PROTEST1* 374 00:01:41,100 --> 00:01:41,620 A: [MG] 375 00:01:41,760 --> 00:01:42,000 A: ||WOHER1^* 376 00:01:41,760 --> 00:01:42,000 A: [MG] 377 00:01:42,160 --> 00:01:42,500 A: ||PROTEST1 378 00:01:42,720 --> 00:01:42,780 A: ||ICH2 379 00:01:42,800 --> 00:01:43,720 A: hartz vier 380 00:01:42,800 --> 00:01:43,160 A: ||HARTZ1B* 381 00:01:43,460 --> 00:01:43,720 A: ||$NUM-RÖM1:4 382 00:01:43,900 --> 00:01:44,180 A: ||$GEST-OFF^* 383 00:01:44,800 --> 00:01:45,120 A: ||GEGEN3A^* 384 00:01:44,800 --> 00:01:45,120 A: aber anders 385 00:01:45,260 --> 00:01:45,420 A: STAAT1A 386 00:01:45,260 --> 00:01:45,420 A: staat 387 00:01:45,560 --> 00:01:45,980 A: $GEST-OFF^ 388 00:01:45,560 --> 00:01:45,980 A: [MG] 389 00:01:46,240 --> 00:01:46,280 A: ||ICH1 390 00:01:46,500 --> 00:01:46,620 A: ||FÜR1* 391 00:01:46,500 --> 00:01:46,620 A: für 392 00:01:46,900 --> 00:01:47,300 A: ||SCHON1B* 393 00:01:46,900 --> 00:01:47,300 A: schon 394 00:01:47,300 --> 00:01:47,480 A: $GEST-OFF^ 395 00:01:47,740 --> 00:01:48,260 A: freiwillig 396 00:01:47,740 --> 00:01:48,060 A: ||FREIWILLIG4 397 00:01:48,060 --> 00:01:48,260 A: ||$GEST-OFF^* 398 00:01:48,660 --> 00:01:49,080 A: hartz 399 00:01:48,660 --> 00:01:48,780 A: ||$NUM-RÖM1:4* 400 00:01:48,880 --> 00:01:49,080 A: ||HARTZ1A 401 00:01:49,340 --> 00:01:49,560 A: ||$NUM-RÖM1:4 402 00:01:49,340 --> 00:01:49,560 A: vier 403 00:01:49,660 --> 00:01:50,060 A: ||$GEST-OFF^* 404 00:01:50,360 --> 00:01:52,660 A: Otherwise the people wouldn't get anything and they had to live on the streets. 405 00:01:50,580 --> 00:01:50,660 A: ||SONST1 406 00:01:50,580 --> 00:01:50,660 A: sonst 407 00:01:50,900 --> 00:01:51,020 A: ||BEKOMMEN1* 408 00:01:50,900 --> 00:01:51,020 A: bekommen 409 00:01:51,100 --> 00:01:51,500 A: NICHT1 410 00:01:51,100 --> 00:01:51,500 A: nicht [MG] 411 00:01:51,380 --> 00:01:57,200 B: There is maximal size for the apartments and a maximal rent price for the receivers of Hartz 4. 412 00:01:51,720 --> 00:01:52,160 A: auf der straße 413 00:01:51,720 --> 00:01:51,860 A: STRASSE1* 414 00:01:51,720 --> 00:01:51,800 B: NUR2A 415 00:01:51,720 --> 00:01:51,800 B: nur 416 00:01:51,860 --> 00:01:52,160 A: $GEST-BITTE1^* 417 00:01:51,960 --> 00:01:52,000 B: $INDEX1* 418 00:01:52,160 --> 00:01:52,280 B: DA1* 419 00:01:52,160 --> 00:01:52,280 B: da 420 00:01:52,640 --> 00:01:52,940 B: ENDE2^* 421 00:01:53,140 --> 00:01:53,400 B: ENDE2^ 422 00:01:53,140 --> 00:01:53,400 B: [MG] 423 00:01:53,660 --> 00:01:55,060 B: wohngröße 424 00:01:53,660 --> 00:01:53,780 B: WOHNUNG1A* 425 00:01:53,900 --> 00:01:54,140 B: WOHNUNG3* 426 00:01:54,260 --> 00:01:55,060 B: $PROD* 427 00:01:55,460 --> 00:01:55,640 B: GELD1A 428 00:01:55,460 --> 00:01:55,640 B: geld 429 00:01:55,760 --> 00:01:55,980 B: UNTERSCHIED2^ 430 00:01:56,040 --> 00:01:56,080 B: MUSS1A* 431 00:01:56,040 --> 00:01:56,080 B: muss 432 00:01:56,400 --> 00:01:56,480 B: GUT4^* 433 00:01:56,840 --> 00:01:57,160 B: REGEL1A^ 434 00:01:57,200 --> 00:01:58,440 B: If they are renting a place above those maxima, they have to pay the difference out of their own pocket. 435 00:01:57,280 --> 00:01:57,360 B: $INDEX1* 436 00:01:57,680 --> 00:01:57,820 B: ÜBER1 437 00:01:57,680 --> 00:01:57,820 B: über 438 00:01:57,980 --> 00:01:58,440 B: selbst 439 00:01:57,980 --> 00:01:58,100 B: SELBST1A* 440 00:01:58,240 --> 00:01:58,440 B: GEBEN-GELD2B^* 441 00:01:58,440 --> 00:01:59,760 B: Everything below these maxima gets paid for them. 442 00:01:58,460 --> 00:01:58,900 B: aber 443 00:01:58,460 --> 00:01:58,700 B: $ORAL^ 444 00:01:58,700 --> 00:01:58,900 B: ALLE2A^* 445 00:01:59,300 --> 00:01:59,500 B: GEBEN1A^* 446 00:01:59,760 --> 00:02:01,940 B: If people go to work, they will receive their wage. 447 00:01:59,960 --> 00:02:00,040 B: WENN1 448 00:01:59,960 --> 00:02:00,040 B: wenn 449 00:02:00,140 --> 00:02:00,280 B: ARBEITEN2* 450 00:02:00,140 --> 00:02:00,280 B: arbeit 451 00:02:00,460 --> 00:02:00,680 B: ||DORTHIN-GEHEN1 452 00:02:01,360 --> 00:02:01,940 B: ||LOHN1 453 00:02:01,360 --> 00:02:01,940 B: lohn 454 00:02:01,940 --> 00:02:04,880 B: If they receive Hartz 4, they live rent-free. 455 00:02:01,940 --> 00:02:02,140 B: ODER4B 456 00:02:01,940 --> 00:02:02,140 B: oder 457 00:02:02,400 --> 00:02:02,500 B: $INDEX1* 458 00:02:02,680 --> 00:02:03,180 B: hartz vier 459 00:02:02,680 --> 00:02:02,760 B: ICH1^ 460 00:02:03,000 --> 00:02:03,180 B: $NUM-RÖM1:4 461 00:02:03,820 --> 00:02:04,300 B: miete 462 00:02:03,820 --> 00:02:03,860 B: GELD1A^* 463 00:02:04,080 --> 00:02:04,300 B: GEBEN-GELD2A^* 464 00:02:04,660 --> 00:02:04,820 B: FREI1* 465 00:02:04,660 --> 00:02:04,820 B: frei 466 00:02:04,880 --> 00:02:06,060 B: If you compare that with each other, everyone receives almost the same. 467 00:02:05,060 --> 00:02:05,340 B: UNTERSCHIED2^ 468 00:02:05,060 --> 00:02:05,340 B: [MG] 469 00:02:05,500 --> 00:02:05,760 B: GLEICH1A^* 470 00:02:05,500 --> 00:02:05,760 B: [MG] 471 00:02:06,060 --> 00:02:11,100 B: That sounds appealing in the beginning, but if you think about their future, you will see that they won't receive any pension; that is nothing to be taken lightly. 472 00:02:06,140 --> 00:02:06,440 B: aber 473 00:02:06,140 --> 00:02:06,180 B: $GEST-OFF^ 474 00:02:06,360 --> 00:02:06,440 B: ABER1* 475 00:02:06,840 --> 00:02:06,980 B: DENKEN1A 476 00:02:06,840 --> 00:02:06,980 B: denken 477 00:02:07,320 --> 00:02:07,400 B: WISSEN2B^ 478 00:02:07,320 --> 00:02:07,400 B: ist auch 479 00:02:07,780 --> 00:02:07,900 B: SCHÖN1A 480 00:02:07,780 --> 00:02:07,900 B: schön 481 00:02:08,000 --> 00:02:08,100 B: ABER1* 482 00:02:08,000 --> 00:02:08,100 B: aber 483 00:02:08,220 --> 00:02:08,480 B: an 484 00:02:08,220 --> 00:02:08,300 B: WISSEN2B^ 485 00:02:08,420 --> 00:02:08,480 B: AN1 486 00:02:08,560 --> 00:02:08,700 B: DANACH1A^* 487 00:02:08,820 --> 00:02:08,960 B: ZUKUNFT1A 488 00:02:08,820 --> 00:02:08,960 B: zukunft 489 00:02:09,260 --> 00:02:09,660 B: RENTE1 490 00:02:09,260 --> 00:02:09,660 B: rente 491 00:02:09,780 --> 00:02:09,900 B: $GEST-OFF^ 492 00:02:09,900 --> 00:02:10,060 B: $INDEX1* 493 00:02:10,460 --> 00:02:10,680 B: KEIN7 494 00:02:10,460 --> 00:02:10,680 B: [MG] 495 00:02:10,800 --> 00:02:11,020 B: SEHR-VIEL2 496 00:02:10,800 --> 00:02:11,020 B: [MG] 497 00:02:11,100 --> 00:02:12,980 B: I think it is better to go to work. 498 00:02:11,120 --> 00:02:11,160 B: $INDEX1* 499 00:02:11,320 --> 00:02:11,360 B: LIEBER1* 500 00:02:11,320 --> 00:02:11,360 B: lieber 501 00:02:11,460 --> 00:02:12,140 B: arbeit 502 00:02:11,460 --> 00:02:11,580 B: ARBEITEN2* 503 00:02:11,780 --> 00:02:12,140 B: HIN-UND-HER1* 504 00:02:12,380 --> 00:02:12,620 B: $GEST-ICH-WEISS-NICHT1^* 505 00:02:12,980 --> 00:02:16,540 A: There are also people who earn less than Hartz 4 and therefore decide to receive Hartz 4 rather than going to work. 506 00:02:13,420 --> 00:02:13,560 A: ||ES-GIBT1 507 00:02:13,420 --> 00:02:13,560 A: gibt 508 00:02:13,820 --> 00:02:14,000 A: ||ARBEITEN2* 509 00:02:13,820 --> 00:02:14,000 A: arbeiten 510 00:02:14,080 --> 00:02:14,180 A: ||ALLE2A^ 511 00:02:14,440 --> 00:02:14,620 A: ||WENIG4 512 00:02:14,440 --> 00:02:14,620 A: [MG] 513 00:02:14,940 --> 00:02:15,040 A: ||LIEBER1* 514 00:02:14,940 --> 00:02:15,040 A: lieber 515 00:02:15,360 --> 00:02:15,640 A: ||EINTRETEN1A^* 516 00:02:15,360 --> 00:02:15,640 A: [MG] 517 00:02:15,920 --> 00:02:15,960 A: ||HARTZ1A 518 00:02:15,920 --> 00:02:15,960 A: hartz 519 00:02:16,200 --> 00:02:16,500 A: vier 520 00:02:16,200 --> 00:02:16,280 A: ||$NUM-EINER1A:4 521 00:02:16,360 --> 00:02:16,500 A: ||$NUM-RÖM1:4 522 00:02:16,540 --> 00:02:18,360 A: They rather receive Hartz 4 and be done with it. 523 00:02:16,740 --> 00:02:17,020 A: ||LIEBER1 524 00:02:16,740 --> 00:02:17,020 A: lieber 525 00:02:17,360 --> 00:02:17,560 A: ||EINTRETEN1A^* 526 00:02:17,360 --> 00:02:17,560 A: [MG] 527 00:02:17,820 --> 00:02:18,360 A: $GEST^ 528 00:02:17,820 --> 00:02:18,360 A: [MG] 529 00:02:18,360 --> 00:02:21,060 A: It's true though, they won't get any pension later. 530 00:02:18,360 --> 00:02:19,680 B: There are many people who have the same problem. 531 00:02:18,560 --> 00:02:18,660 A: ||STIMMT1A 532 00:02:18,560 --> 00:02:18,660 A: aber stimmt 533 00:02:18,660 --> 00:02:19,100 B: viel 534 00:02:18,660 --> 00:02:18,760 B: VIEL1A* 535 00:02:18,880 --> 00:02:19,100 B: ALLE2A 536 00:02:19,000 --> 00:02:19,220 A: ||RENTE3* 537 00:02:19,000 --> 00:02:19,220 A: rente 538 00:02:19,860 --> 00:02:20,000 A: ||FEHLEN1B 539 00:02:19,860 --> 00:02:20,000 A: fehlt 540 00:02:20,180 --> 00:02:20,320 A: ||$GEST-OFF^* 541 00:02:21,060 --> 00:02:22,080 A: True. 542 00:02:21,740 --> 00:02:21,860 A: ||STIMMT1A 543 00:02:21,740 --> 00:02:21,860 A: stimmt 544 00:02:22,080 --> 00:02:23,000 A: I think it is weird. 545 00:02:22,240 --> 00:02:22,420 A: ||MERKWÜRDIG1* 546 00:02:22,240 --> 00:02:22,420 A: [MG] 547 00:02:23,000 --> 00:02:26,320 B: You can also have a one-euro job. 548 00:02:23,440 --> 00:02:23,500 B: AUCH3A* 549 00:02:23,440 --> 00:02:23,500 B: auch 550 00:02:23,640 --> 00:02:25,580 B: ein euro job 551 00:02:23,640 --> 00:02:23,680 B: $NUM-EINER1A:1d 552 00:02:23,820 --> 00:02:23,980 B: EURO1 553 00:02:24,140 --> 00:02:24,340 B: JOB1A 554 00:02:24,440 --> 00:02:25,580 B: ARBEITEN1 555 00:02:24,860 --> 00:02:26,320 A: True, that is weird as well. 556 00:02:25,200 --> 00:02:25,260 A: ||STIMMT1A 557 00:02:25,200 --> 00:02:25,260 A: stimmt 558 00:02:25,500 --> 00:02:25,660 A: ||MERKWÜRDIG1* 559 00:02:25,500 --> 00:02:25,660 A: [MG] 560 00:02:25,860 --> 00:02:26,020 B: $GEST-OFF^ 561 00:02:25,860 --> 00:02:26,020 B: [MG] 562 00:02:26,320 --> 00:02:29,360 B: That is a good option for deaf people, for example, because communication with others is very important to them. If they only sat at home alone, they would go crazy. 563 00:02:26,720 --> 00:02:26,740 B: $INDEX1* 564 00:02:26,720 --> 00:02:26,740 B: gut 565 00:02:26,960 --> 00:02:27,000 B: FÜR1 566 00:02:26,960 --> 00:02:27,000 B: für 567 00:02:27,220 --> 00:02:27,400 B: TAUB-GEHÖRLOS1A 568 00:02:27,620 --> 00:02:27,900 B: GRUND4B 569 00:02:27,620 --> 00:02:27,900 B: grund 570 00:02:28,120 --> 00:02:28,380 B: KOMMUNIKATION1A 571 00:02:28,620 --> 00:02:28,740 B: SITZEN1A^ 572 00:02:28,980 --> 00:02:29,300 B: FÜR-NICHTS-UND-WIEDER-NICHTS1 573 00:02:28,980 --> 00:02:29,300 B: [MG] 574 00:02:29,360 --> 00:02:31,920 B: Therefore, it would be better if they go to work. But oh well. 575 00:02:29,400 --> 00:02:29,540 B: $GEST-OFF^* 576 00:02:29,640 --> 00:02:29,960 B: NEIN1A 577 00:02:30,340 --> 00:02:30,800 B: WOHER1^* 578 00:02:31,140 --> 00:02:31,380 B: ||$GEST-OFF^* 579 00:02:31,140 --> 00:02:31,380 B: [MG] 580 00:02:31,920 --> 00:02:35,760 B: It is maybe not the greatest thing in the world but better than nothing. Oh well. 581 00:02:31,920 --> 00:02:33,060 A: Yes. 582 00:02:32,440 --> 00:02:32,580 A: ||JA1A 583 00:02:32,720 --> 00:02:32,900 B: MANCHMAL2* 584 00:02:32,720 --> 00:02:32,900 B: manchmal 585 00:02:33,180 --> 00:02:33,480 B: SCHÖN1A 586 00:02:33,180 --> 00:02:33,480 B: nicht schön 587 00:02:33,600 --> 00:02:33,860 B: $GEST-OFF^* 588 00:02:33,600 --> 00:02:33,860 B: aber 589 00:02:34,300 --> 00:02:34,380 B: BESSER1* 590 00:02:34,300 --> 00:02:34,380 B: besser 591 00:02:34,460 --> 00:02:34,620 B: ALS3 592 00:02:34,460 --> 00:02:34,620 B: als 593 00:02:34,780 --> 00:02:34,940 B: NICHTS1B 594 00:02:34,780 --> 00:02:34,940 B: nichts 595 00:02:35,060 --> 00:02:35,240 B: $GEST-OFF^ 596 00:02:35,160 --> 00:02:35,760 A: Yes, that's true. 597 00:02:35,480 --> 00:02:35,700 A: ||STIMMT1A* 598 00:02:35,760 --> 00:02:39,340 A: Nowadays a one-euro job employee is also allowed to sell computers. 599 00:02:36,340 --> 00:02:36,500 A: ||HEUTE1 600 00:02:36,340 --> 00:02:36,500 A: heute 601 00:02:36,880 --> 00:02:37,360 A: ein-euro-job 602 00:02:36,880 --> 00:02:37,060 A: ||$NUM-ORD1:1d 603 00:02:37,240 --> 00:02:37,360 A: ||JOB1A 604 00:02:37,500 --> 00:02:37,680 A: ||ERLAUBNIS3 605 00:02:37,500 --> 00:02:37,680 A: erlaubt 606 00:02:37,980 --> 00:02:38,100 A: ||AUCH3A* 607 00:02:37,980 --> 00:02:38,100 A: auch 608 00:02:38,480 --> 00:02:38,740 A: VERKAUFEN1 609 00:02:38,480 --> 00:02:38,740 A: verkaufen 610 00:02:39,020 --> 00:02:39,320 A: ||COMPUTER2 611 00:02:39,020 --> 00:02:39,320 A: computer 612 00:02:39,340 --> 00:02:41,920 A: It is allowed today. It used to be forbidden. 613 00:02:39,540 --> 00:02:39,680 A: ||$NUM-EINER1A:1d* 614 00:02:39,540 --> 00:02:39,680 A: ein euro 615 00:02:40,000 --> 00:02:40,460 A: erlaubt 616 00:02:40,000 --> 00:02:40,140 A: ||ERLAUBNIS3 617 00:02:40,260 --> 00:02:40,460 A: ||$GEST-OFF^* 618 00:02:40,600 --> 00:02:40,980 A: ||DAMALS1 619 00:02:40,600 --> 00:02:40,980 A: damals 620 00:02:41,180 --> 00:02:41,320 A: ||NICHT3A 621 00:02:41,180 --> 00:02:41,320 A: nicht 622 00:02:41,400 --> 00:02:41,840 A: erlaubt 623 00:02:41,400 --> 00:02:41,560 A: ||ERLAUBNIS3 624 00:02:41,660 --> 00:02:41,840 A: ||$GEST-OFF^* 625 00:02:41,920 --> 00:02:45,500 A: Sure, nowadays it is allowed, but it is also obvious that a one-euro job employee can't work with computers right away. 626 00:02:42,300 --> 00:02:42,420 A: ||JETZT1 627 00:02:42,300 --> 00:02:42,420 A: jetzt 628 00:02:42,640 --> 00:02:42,760 A: ||ERLAUBNIS3 629 00:02:42,640 --> 00:02:42,760 A: erlaubt 630 00:02:42,880 --> 00:02:43,000 A: ||$GEST-OFF^* 631 00:02:42,880 --> 00:02:43,000 A: aber 632 00:02:43,120 --> 00:02:43,320 A: ||KLAR1A* 633 00:02:43,120 --> 00:02:43,320 A: klar 634 00:02:44,000 --> 00:02:44,060 A: ||$INDEX1* 635 00:02:44,500 --> 00:02:44,700 A: ||$NUM-EINER1A:1d 636 00:02:44,500 --> 00:02:44,700 A: ein euro 637 00:02:44,880 --> 00:02:45,040 A: ||COMPUTER2 638 00:02:44,880 --> 00:02:45,040 A: computer 639 00:02:45,180 --> 00:02:45,440 A: ||NEIN1A 640 00:02:45,180 --> 00:02:45,440 A: [MG] 641 00:02:45,500 --> 00:02:48,300 A: Therefore there are no one-euro-jobs in the computer industry. 642 00:02:45,500 --> 00:02:45,620 A: ||$GEST-OFF^ 643 00:02:45,960 --> 00:02:46,860 A: ||WENIGER-WERDEN1^* 644 00:02:45,960 --> 00:02:46,860 A: [MG] 645 00:02:47,200 --> 00:02:47,540 A: ||ANPASSEN1 646 00:02:47,200 --> 00:02:47,540 A: anpassen 647 00:02:47,740 --> 00:02:48,260 A: ||BEREICH1A^ 648 00:02:48,300 --> 00:02:50,520 A: They have those one-euro jobs, that's true. 649 00:02:48,460 --> 00:02:48,860 A: aber ein-euro-jobs 650 00:02:48,460 --> 00:02:48,600 A: ||$NUM-ORD1:1d 651 00:02:48,760 --> 00:02:48,860 A: ||JOB1A 652 00:02:49,040 --> 00:02:49,420 A: ES-GIBT3* 653 00:02:49,040 --> 00:02:49,420 A: gibt 654 00:02:49,840 --> 00:02:50,000 A: ||STIMMT1A 655 00:02:49,840 --> 00:02:50,000 A: stimmt 656 00:02:50,520 --> 00:02:58,600 B: I heard somewhere - I don't know if it is true, though, that people with disabilities, which includes deaf people, get paid two-euros an hour. 657 00:02:50,880 --> 00:02:50,900 B: ICH1 658 00:02:50,880 --> 00:02:50,900 B: auch 659 00:02:51,080 --> 00:02:51,400 B: ERFAHRUNG6A* 660 00:02:51,080 --> 00:02:51,400 B: erfahren 661 00:02:51,660 --> 00:02:51,820 B: OB4* 662 00:02:51,660 --> 00:02:51,820 B: ob 663 00:02:52,080 --> 00:02:52,240 B: ZEUGE1^ 664 00:02:52,400 --> 00:02:52,440 B: ICH1 665 00:02:52,580 --> 00:02:52,680 B: WISSEN2B* 666 00:02:52,580 --> 00:02:52,680 B: weiß 667 00:02:52,680 --> 00:02:53,020 B: NICHT3A* 668 00:02:52,680 --> 00:02:53,020 B: nicht 669 00:02:53,260 --> 00:02:53,660 B: BEHINDERUNG1 670 00:02:53,260 --> 00:02:53,660 B: behindert 671 00:02:54,200 --> 00:02:54,340 B: ODER4A* 672 00:02:54,200 --> 00:02:54,340 B: oder 673 00:02:54,480 --> 00:02:55,080 B: behindert 674 00:02:54,480 --> 00:02:54,700 B: BEHINDERUNG7 675 00:02:54,940 --> 00:02:55,080 B: PERSON1 676 00:02:55,280 --> 00:02:55,640 B: zum beispiel 677 00:02:55,280 --> 00:02:55,400 B: ZU9* 678 00:02:55,560 --> 00:02:55,640 B: BEISPIEL1 679 00:02:55,840 --> 00:02:55,980 B: TAUB-GEHÖRLOS1A 680 00:02:55,840 --> 00:02:55,980 B: [MG] 681 00:02:56,060 --> 00:02:56,240 B: $INDEX1* 682 00:02:56,400 --> 00:02:56,500 B: KANN1 683 00:02:56,400 --> 00:02:56,500 B: kann 684 00:02:56,760 --> 00:02:57,000 B: DOPPEL1B 685 00:02:57,160 --> 00:02:57,240 B: $NUM-EINER1A:2 686 00:02:57,160 --> 00:02:57,240 B: zwei 687 00:02:57,340 --> 00:02:57,540 B: EURO1 688 00:02:57,340 --> 00:02:57,540 B: euro 689 00:02:57,800 --> 00:02:58,340 B: BEKOMMEN1* 690 00:02:58,600 --> 00:03:00,140 B: The regular wage is an euro. 691 00:02:58,980 --> 00:02:59,380 B: normal 692 00:02:58,980 --> 00:02:59,080 B: NORMAL1* 693 00:02:59,240 --> 00:02:59,380 B: AUF-PERSON1 694 00:02:59,560 --> 00:02:59,640 B: $NUM-EINER1A:1 695 00:02:59,560 --> 00:02:59,640 B: ein 696 00:02:59,720 --> 00:02:59,940 B: EURO1 697 00:02:59,720 --> 00:02:59,940 B: euro 698 00:03:00,100 --> 00:03:00,120 B: $INDEX1 699 00:03:00,140 --> 00:03:04,040 B: I don't have any prove, though. Somebody told it to me like this, but I think it's weird. 700 00:03:00,260 --> 00:03:00,420 B: $ORAL^ 701 00:03:00,260 --> 00:03:00,420 B: aber 702 00:03:00,420 --> 00:03:00,500 B: ICH1 703 00:03:00,640 --> 00:03:00,700 B: $GEST-OFF^* 704 00:03:00,800 --> 00:03:00,880 B: SELBST1A* 705 00:03:00,800 --> 00:03:00,880 B: selbst 706 00:03:01,020 --> 00:03:01,140 B: BEISPIEL1^* 707 00:03:01,020 --> 00:03:01,140 B: beleg 708 00:03:01,320 --> 00:03:01,400 B: KEIN7 709 00:03:01,320 --> 00:03:01,400 B: [MG] 710 00:03:01,620 --> 00:03:01,780 B: ABER1* 711 00:03:01,620 --> 00:03:01,780 B: aber 712 00:03:02,000 --> 00:03:02,240 B: VOR-KURZEM1 713 00:03:02,000 --> 00:03:02,240 B: [MG] 714 00:03:02,440 --> 00:03:02,600 B: GEBÄRDEN1A 715 00:03:02,820 --> 00:03:03,020 B: MERKWÜRDIG1 716 00:03:02,820 --> 00:03:03,020 B: [MG] 717 00:03:03,160 --> 00:03:03,420 B: $GEST-OFF^* 718 00:03:03,160 --> 00:03:03,420 B: [MG] 719 00:03:04,040 --> 00:03:05,420 A: That is an awfully low payment. 720 00:03:04,700 --> 00:03:04,940 A: ||WENIG4 721 00:03:04,700 --> 00:03:04,940 A: [MG] 722 00:03:05,080 --> 00:03:05,240 A: ||SEHR7 723 00:03:05,080 --> 00:03:05,240 A: [MG] 724 00:03:05,420 --> 00:03:06,540 A: Oh well, better than nothing at all. 725 00:03:05,480 --> 00:03:05,720 A: ||$GEST-OFF^* 726 00:03:05,480 --> 00:03:05,720 A: aber 727 00:03:06,080 --> 00:03:06,100 A: ||BESSER2* 728 00:03:06,080 --> 00:03:06,100 A: besser 729 00:03:06,220 --> 00:03:06,440 A: ||NICHTS1B* 730 00:03:06,220 --> 00:03:06,440 A: als nichts 731 00:03:06,540 --> 00:03:10,880 B: You can earn some money with this one-euro job additionally to the unemployment benefits. 732 00:03:07,040 --> 00:03:07,240 B: ARBEITEN1* 733 00:03:07,040 --> 00:03:07,240 B: arbeit 734 00:03:07,580 --> 00:03:08,480 B: arbeitslosengeld 735 00:03:07,580 --> 00:03:07,680 B: ARBEITEN1* 736 00:03:07,780 --> 00:03:07,900 B: $WORTTEIL-LOS1* 737 00:03:08,320 --> 00:03:08,480 B: ||GEBEN-GELD2B^* 738 00:03:08,900 --> 00:03:09,140 B: $NUM-EINER1A:1d 739 00:03:09,240 --> 00:03:09,300 B: EURO1* 740 00:03:09,400 --> 00:03:10,000 B: ein euro job 741 00:03:09,400 --> 00:03:09,460 B: $NUM-EINER1A:1d 742 00:03:09,540 --> 00:03:09,700 B: EURO1 743 00:03:09,860 --> 00:03:10,000 B: JOB1A* 744 00:03:10,160 --> 00:03:10,740 B: UPDATE1A^ 745 00:03:10,880 --> 00:03:12,880 B: That are around 160 euros per month. 746 00:03:10,900 --> 00:03:11,200 B: $INDEX1* 747 00:03:11,320 --> 00:03:11,820 B: hundertsechzig 748 00:03:11,320 --> 00:03:11,360 B: $NUM-EINER1A:1 749 00:03:11,460 --> 00:03:11,600 B: $NUM-HUNDERTER1:1 750 00:03:11,760 --> 00:03:11,820 B: $NUM-ZEHNER2A:6d 751 00:03:11,860 --> 00:03:12,020 B: EURO1 752 00:03:11,860 --> 00:03:12,020 B: euro 753 00:03:12,200 --> 00:03:12,760 B: monat 754 00:03:12,200 --> 00:03:12,540 B: MONAT1* 755 00:03:12,440 --> 00:03:14,780 A: That is in addition to the unemployment benefits? Ah, okay. 756 00:03:12,640 --> 00:03:12,760 B: UNGEFÄHR2^* 757 00:03:12,780 --> 00:03:13,380 A: ||UPDATE1A^* 758 00:03:12,880 --> 00:03:14,360 B: Yes, it is additionally to the unemployment benefits. 759 00:03:12,960 --> 00:03:13,660 B: UPDATE1A^ 760 00:03:13,800 --> 00:03:13,940 A: ||OKAY1 761 00:03:13,800 --> 00:03:13,940 A: [LM:ah] okay 762 00:03:14,580 --> 00:03:14,780 A: ||OKAY1* 763 00:03:14,580 --> 00:03:14,780 A: okay 764 00:03:14,780 --> 00:03:16,160 B: Oh well, it is better than nothing. 765 00:03:14,860 --> 00:03:14,980 B: BESSER1* 766 00:03:14,860 --> 00:03:14,980 B: besser 767 00:03:15,080 --> 00:03:15,180 B: ALS3* 768 00:03:15,080 --> 00:03:15,180 B: als 769 00:03:15,340 --> 00:03:15,440 B: NICHTS1B* 770 00:03:15,340 --> 00:03:15,440 B: nichts 771 00:03:15,520 --> 00:03:15,760 B: $GEST-OFF^* 772 00:03:17,700 --> 00:03:18,720 A: That's just the way it is. 773 00:03:17,720 --> 00:03:17,920 A: ||SO1* 774 00:03:17,720 --> 00:03:17,920 A: [MG] 775 00:03:17,920 --> 00:03:25,620 C: You could also talk about finances, about money, the stock exchange or other topics. 776 00:03:26,360 --> 00:03:28,480 B: I don't know anything about the stock exchange. 777 00:03:26,660 --> 00:03:27,100 B: BÖRSE1* 778 00:03:26,660 --> 00:03:27,100 B: börse 779 00:03:27,220 --> 00:03:27,240 B: ICH1* 780 00:03:27,400 --> 00:03:28,000 B: erfahrung 781 00:03:27,400 --> 00:03:27,500 B: ERFAHRUNG6A* 782 00:03:27,700 --> 00:03:28,000 B: KEIN8* 783 00:03:28,480 --> 00:03:32,480 A: Did you hear about the decreasing stock exchange a couple years back? 784 00:03:29,160 --> 00:03:29,680 A: ||BÖRSE1* 785 00:03:29,160 --> 00:03:29,680 A: börse 786 00:03:30,000 --> 00:03:30,320 A: ZUSAMMENBRUCH1A^* 787 00:03:30,000 --> 00:03:30,320 A: [MG] 788 00:03:30,180 --> 00:03:32,480 B: Right. No, I didn't hear about that. 789 00:03:30,500 --> 00:03:30,620 B: DU1^* 790 00:03:30,620 --> 00:03:30,720 A: ||AUGE1^* 791 00:03:30,840 --> 00:03:30,980 A: ||DU1 792 00:03:31,000 --> 00:03:32,280 B: $GEST-NM-KOPFSCHÜTTELN1^ 793 00:03:31,000 --> 00:03:32,280 B: [MG] 794 00:03:31,260 --> 00:03:31,660 A: ||VERGANGENHEIT1^* 795 00:03:32,480 --> 00:03:35,440 A: There was a stock market crash some time ago. 796 00:03:32,820 --> 00:03:32,940 A: ||VERGANGENHEIT1^ 797 00:03:33,400 --> 00:03:35,400 A: börsencrash 798 00:03:33,400 --> 00:03:33,600 A: ||BÖRSE1* 799 00:03:33,800 --> 00:03:35,400 A: ||MISCHEN2^* 800 00:03:35,440 --> 00:03:36,940 A: That was last year. 801 00:03:35,760 --> 00:03:35,900 A: ||LETZTE5 802 00:03:35,760 --> 00:03:35,900 A: letztes 803 00:03:36,100 --> 00:03:36,840 A: jahr 804 00:03:36,100 --> 00:03:36,420 A: ||JAHR2A 805 00:03:36,640 --> 00:03:36,840 A: ||$GEST-OFF^* 806 00:03:36,940 --> 00:03:38,320 A: You don't know about this? 807 00:03:37,380 --> 00:03:37,500 A: ||$INDEX1* 808 00:03:37,740 --> 00:03:38,300 A: [MG] 809 00:03:37,740 --> 00:03:37,920 A: ||KENNEN1A* 810 00:03:37,880 --> 00:03:39,420 B: No, no. 811 00:03:38,080 --> 00:03:38,300 A: ||DU1 812 00:03:38,100 --> 00:03:39,420 B: $GEST-NM-KOPFSCHÜTTELN1^ 813 00:03:38,320 --> 00:03:40,140 A: Maybe it's no concern of yours. It doesn't matter. 814 00:03:38,320 --> 00:03:38,620 A: ||LASSEN1^* 815 00:03:38,800 --> 00:03:39,240 A: ||LUFT3A 816 00:03:38,800 --> 00:03:39,240 A: [MG] 817 00:03:39,420 --> 00:03:40,140 B: Oh dear! 818 00:03:39,420 --> 00:03:39,580 A: ||AB2^ 819 00:03:39,420 --> 00:03:39,580 A: [MG] 820 00:03:39,700 --> 00:03:39,920 B: $GEST-OFF^* 821 00:03:39,700 --> 00:03:39,920 B: [MG] 822 00:03:40,140 --> 00:03:44,220 B: The stock exchange is not my strongest suit. I don't like it a lot and it doesn't fascinate me. 823 00:03:40,760 --> 00:03:40,980 B: BÖRSE1* 824 00:03:40,760 --> 00:03:40,980 B: börse 825 00:03:41,260 --> 00:03:41,460 B: NICHT5* 826 00:03:41,540 --> 00:03:41,680 B: MEIN1 827 00:03:41,540 --> 00:03:41,680 B: meine 828 00:03:41,860 --> 00:03:42,040 B: STARK1A 829 00:03:41,860 --> 00:03:42,040 B: stärke 830 00:03:42,200 --> 00:03:42,300 B: NICHT5* 831 00:03:42,580 --> 00:03:42,760 B: MÖGEN4 832 00:03:42,580 --> 00:03:42,760 B: [MG] 833 00:03:42,860 --> 00:03:43,320 B: $GEST-OFF^* 834 00:03:42,860 --> 00:03:43,320 B: [MG] 835 00:03:43,200 --> 00:03:43,960 A: Happens. 836 00:03:43,320 --> 00:03:43,620 A: ||$GEST-OFF^* 837 00:03:43,520 --> 00:03:43,600 B: VERRÜCKT-SEIN-NACH1A 838 00:03:43,520 --> 00:03:43,600 B: [MG] 839 00:03:43,720 --> 00:03:43,860 B: NICHT6* 840 00:03:43,720 --> 00:03:43,860 B: nicht 841 00:03:44,220 --> 00:03:47,400 A: I usually don't care for it either, but I have heard about that. 842 00:03:44,740 --> 00:03:44,920 A: ||EIGENTLICH1A* 843 00:03:44,740 --> 00:03:44,920 A: eigentlich 844 00:03:45,080 --> 00:03:45,180 A: ||AUCH3A 845 00:03:45,080 --> 00:03:45,180 A: auch 846 00:03:45,180 --> 00:03:45,360 A: ||NICHT3A 847 00:03:45,180 --> 00:03:45,360 A: nicht 848 00:03:45,360 --> 00:03:45,720 A: $ORAL^ 849 00:03:45,360 --> 00:03:45,720 A: aber 850 00:03:45,980 --> 00:03:46,040 A: ||ICH1 851 00:03:46,320 --> 00:03:46,640 A: INFORMATION2B* 852 00:03:46,320 --> 00:03:46,640 A: informationen 853 00:03:46,760 --> 00:03:46,960 A: GEWESEN1||DA1 854 00:03:46,760 --> 00:03:46,960 A: schon 855 00:03:47,080 --> 00:03:47,240 A: ||DA1* 856 00:03:47,080 --> 00:03:47,240 A: da 857 00:03:47,400 --> 00:03:52,600 A: It started in America where they sold many buildings below their actual value. 858 00:03:47,900 --> 00:03:48,360 A: woher 859 00:03:47,900 --> 00:03:48,000 A: ||WOHER1* 860 00:03:48,200 --> 00:03:48,360 A: ||$INDEX1* 861 00:03:48,540 --> 00:03:49,200 A: amerika 862 00:03:48,540 --> 00:03:48,820 A: AMERIKA1* 863 00:03:48,940 --> 00:03:49,200 A: ||$INDEX1* 864 00:03:49,780 --> 00:03:50,440 A: HAUS1A 865 00:03:49,780 --> 00:03:50,440 A: häuser 866 00:03:50,700 --> 00:03:51,740 A: immobilien 867 00:03:50,700 --> 00:03:50,760 A: ||$ALPHA1:I 868 00:03:50,900 --> 00:03:51,020 A: ||$GEST-OFF^* 869 00:03:51,560 --> 00:03:51,740 A: ||KOMMA1^ 870 00:03:51,920 --> 00:03:52,060 A: ||WERT1B^* 871 00:03:52,320 --> 00:03:52,440 A: VERKAUFEN1* 872 00:03:52,320 --> 00:03:52,440 A: verkaufen 873 00:03:52,600 --> 00:03:55,880 A: For instance in America, you can get/ 874 00:03:52,840 --> 00:03:53,280 A: ||BEISPIEL1 875 00:03:52,840 --> 00:03:53,280 A: beispiel 876 00:03:53,680 --> 00:03:53,940 A: ||ACHTUNG1A^* 877 00:03:54,380 --> 00:03:54,680 A: ||AMERIKA1* 878 00:03:54,380 --> 00:03:54,680 A: amerika 879 00:03:55,420 --> 00:03:55,740 A: BEKOMMEN1* 880 00:03:55,420 --> 00:03:55,740 A: bekommen 881 00:03:55,880 --> 00:03:59,940 A: … imagine an American citizen wants a loan of 100,000 dollars from their bank. 882 00:03:56,180 --> 00:03:56,480 A: ||ACHTUNG1A^* 883 00:03:56,800 --> 00:03:56,960 A: ||WÜNSCHEN1B 884 00:03:56,800 --> 00:03:56,960 A: wünschen 885 00:03:57,160 --> 00:03:57,320 A: ||GELD1A* 886 00:03:57,160 --> 00:03:57,320 A: geld 887 00:03:57,560 --> 00:03:57,780 A: ||LEIHEN1 888 00:03:57,560 --> 00:03:57,780 A: leihen 889 00:03:58,280 --> 00:03:58,940 A: hunderttausend 890 00:03:58,280 --> 00:03:58,440 A: ||$NUM-HUNDERTER1:1 891 00:03:58,660 --> 00:03:58,940 A: ||$NUM-TAUSENDER1:1 892 00:03:59,300 --> 00:03:59,480 A: ||DOLLAR2 893 00:03:59,300 --> 00:03:59,480 A: dollar 894 00:03:59,940 --> 00:04:04,380 A: The bank then loans that person 110,000 dollars, even. 895 00:04:00,340 --> 00:04:00,460 A: ||BANK-GELD1 896 00:04:00,340 --> 00:04:00,460 A: bank 897 00:04:00,840 --> 00:04:01,020 A: ||AB2^ 898 00:04:00,840 --> 00:04:01,020 A: [MG] 899 00:04:01,580 --> 00:04:02,700 A: hundertzehntausend 900 00:04:01,580 --> 00:04:01,740 A: ||$NUM-HUNDERTER1:1 901 00:04:02,180 --> 00:04:02,240 A: ||$NUM-EINER1A:10 902 00:04:02,480 --> 00:04:02,700 A: ||$NUM-TAUSENDER1:1 903 00:04:03,000 --> 00:04:03,080 A: ||DOLLAR2* 904 00:04:03,000 --> 00:04:03,080 A: dollar 905 00:04:03,380 --> 00:04:03,920 A: GEBEN2^* 906 00:04:03,380 --> 00:04:03,920 A: [MG] 907 00:04:04,380 --> 00:04:06,240 A: And they have to pay everything back. 908 00:04:04,640 --> 00:04:04,900 A: ||$GEST-OFF^ 909 00:04:04,640 --> 00:04:04,900 A: [MG] 910 00:04:05,340 --> 00:04:05,860 A: ||ZURÜCK1A* 911 00:04:05,340 --> 00:04:05,860 A: zurück 912 00:04:06,240 --> 00:04:13,060 A: It is different here in Germany: If you want a loan of 100,000 euros, you only receive 50,000 euros. 913 00:04:06,480 --> 00:04:06,940 A: deutschland 914 00:04:06,480 --> 00:04:06,580 A: ||HIER1 915 00:04:06,860 --> 00:04:06,940 A: ||DEUTSCH1* 916 00:04:07,100 --> 00:04:07,420 A: ||SCHON1B* 917 00:04:07,100 --> 00:04:07,420 A: schon 918 00:04:08,540 --> 00:04:09,100 A: hunderttausend 919 00:04:08,540 --> 00:04:08,660 A: ||$NUM-HUNDERTER1:1 920 00:04:08,880 --> 00:04:09,100 A: ||$NUM-TAUSENDER1:1 921 00:04:09,480 --> 00:04:09,880 A: ||EURO1 922 00:04:09,480 --> 00:04:09,880 A: euro 923 00:04:10,220 --> 00:04:10,360 A: ||ABER1 924 00:04:10,220 --> 00:04:10,360 A: aber 925 00:04:10,700 --> 00:04:10,860 A: ||DU1 926 00:04:10,700 --> 00:04:10,860 A: du 927 00:04:11,300 --> 00:04:12,120 A: fünfzigtausend 928 00:04:11,300 --> 00:04:11,640 A: ||$NUM-ZEHNER2A:5 929 00:04:11,920 --> 00:04:12,120 A: ||$NUM-HUNDERTER1:1 930 00:04:12,500 --> 00:04:12,640 A: ||EURO1 931 00:04:12,500 --> 00:04:12,640 A: euro 932 00:04:12,900 --> 00:04:13,060 A: BEKOMMEN1* 933 00:04:12,900 --> 00:04:13,060 A: bekommen 934 00:04:13,060 --> 00:04:17,760 A: You have to take responsibility for the other 50,000 euros, which means you share the risk with the bank for one half of the money. 935 00:04:13,320 --> 00:04:13,520 A: ||ALLE2A^* 936 00:04:13,820 --> 00:04:14,040 A: ||REST1B* 937 00:04:13,820 --> 00:04:14,040 A: rest 938 00:04:14,160 --> 00:04:14,540 A: fünfzigtausend 939 00:04:14,160 --> 00:04:14,340 A: ||$NUM-ZEHNER2A:5* 940 00:04:14,400 --> 00:04:14,540 A: ||WOCHE2^ 941 00:04:14,960 --> 00:04:16,220 A: risiko 942 00:04:14,960 --> 00:04:15,160 A: ||RISIKO6 943 00:04:15,280 --> 00:04:15,480 A: ||GEHÖREN1^ 944 00:04:15,720 --> 00:04:16,220 A: ||DU1^* 945 00:04:16,480 --> 00:04:16,560 A: ||BEDEUTUNG1* 946 00:04:16,480 --> 00:04:16,560 A: bedeutet 947 00:04:16,760 --> 00:04:17,140 A: ||HALB1B* 948 00:04:16,760 --> 00:04:17,140 A: halb halb 949 00:04:17,320 --> 00:04:17,740 A: risiko 950 00:04:17,320 --> 00:04:17,600 A: ||RISIKO6 951 00:04:17,700 --> 00:04:17,740 A: ||$INDEX1* 952 00:04:17,760 --> 00:04:21,200 A: The American banks handed out their money like “gifts”. They wanted everything back, though. 953 00:04:18,060 --> 00:04:18,520 A: ||AMERIKA1 954 00:04:18,060 --> 00:04:18,520 A: amerika 955 00:04:18,800 --> 00:04:18,920 A: ||BANK-GELD1 956 00:04:18,800 --> 00:04:18,920 A: bank 957 00:04:19,400 --> 00:04:19,680 A: GEBEN2^* 958 00:04:19,400 --> 00:04:19,680 A: [MG] 959 00:04:20,160 --> 00:04:20,220 A: WIE6* 960 00:04:20,160 --> 00:04:20,220 A: wie 961 00:04:20,340 --> 00:04:20,460 A: GEBEN2^* 962 00:04:20,340 --> 00:04:20,460 A: geschenke 963 00:04:20,460 --> 00:04:20,700 A: $ORAL^ 964 00:04:20,460 --> 00:04:20,700 A: aber 965 00:04:20,700 --> 00:04:21,200 A: ||HERKOMMEN3B* 966 00:04:20,700 --> 00:04:21,200 A: geld zurück 967 00:04:21,200 --> 00:04:25,960 A: All of a sudden, many people weren't able to pay off their loans anymore, and the banks were in financial distress. 968 00:04:21,520 --> 00:04:21,660 A: PLÖTZLICH4 969 00:04:21,520 --> 00:04:21,660 A: [MG] 970 00:04:21,900 --> 00:04:21,920 A: ||$INDEX1* 971 00:04:22,220 --> 00:04:22,320 A: ||VIEL1A 972 00:04:22,220 --> 00:04:22,320 A: viele 973 00:04:22,400 --> 00:04:22,620 A: ||LEUTE2* 974 00:04:22,400 --> 00:04:22,620 A: leute 975 00:04:22,800 --> 00:04:23,140 A: ||BEZAHLEN1* 976 00:04:23,240 --> 00:04:23,980 A: ||KANN1* 977 00:04:23,240 --> 00:04:23,980 A: kann nicht kann nicht 978 00:04:24,600 --> 00:04:24,720 A: BANK-GELD1 979 00:04:24,600 --> 00:04:24,720 A: bank 980 00:04:25,060 --> 00:04:25,800 A: ||$PROD* 981 00:04:25,060 --> 00:04:25,800 A: [MG] 982 00:04:25,960 --> 00:04:28,860 A: Many properties were sold with a drop in their price. 983 00:04:26,040 --> 00:04:26,080 A: ||$INDEX1 984 00:04:26,320 --> 00:04:26,500 A: ||VIEL1A 985 00:04:26,320 --> 00:04:26,500 A: viel 986 00:04:26,600 --> 00:04:27,900 A: immobilienhäuser 987 00:04:26,600 --> 00:04:26,800 A: ||$ALPHA1:I 988 00:04:27,020 --> 00:04:27,420 A: ||HAUS1A^ 989 00:04:27,580 --> 00:04:27,900 A: VERKAUFEN1* 990 00:04:28,260 --> 00:04:28,780 A: SCHLECHT2A^* 991 00:04:28,260 --> 00:04:28,780 A: verlust 992 00:04:28,860 --> 00:04:30,260 A: Following that, one bank after another came into distress. 993 00:04:28,920 --> 00:04:29,420 A: $GEST-OFF^ 994 00:04:29,860 --> 00:04:30,120 A: $PROD* 995 00:04:29,860 --> 00:04:30,120 A: [MG] 996 00:04:30,260 --> 00:04:36,320 A: This set off a chain reaction, which in turn caused for other banks in the world to collapse. 997 00:04:30,300 --> 00:04:30,700 A: ||KETTE1 998 00:04:30,300 --> 00:04:30,700 A: kette 999 00:04:30,820 --> 00:04:31,420 A: AUSBREITEN2^* 1000 00:04:30,820 --> 00:04:31,420 A: [MG] 1001 00:04:31,740 --> 00:04:32,260 A: UM6^* 1002 00:04:32,540 --> 00:04:32,740 A: WELT1 1003 00:04:32,540 --> 00:04:32,740 A: welt 1004 00:04:32,900 --> 00:04:33,520 A: AUSBREITEN3^* 1005 00:04:32,900 --> 00:04:33,520 A: [MG] 1006 00:04:33,660 --> 00:04:34,420 A: ZUSAMMENBRUCH1A^* 1007 00:04:33,660 --> 00:04:34,420 A: [MG] 1008 00:04:36,320 --> 00:04:38,140 B: I hope, my savings won’t minimize themselves. 1009 00:04:36,320 --> 00:04:37,060 A: Yes, exactly. 1010 00:04:36,400 --> 00:04:36,740 A: ||$GEST-OFF^* 1011 00:04:36,400 --> 00:04:36,740 A: [MG] 1012 00:04:36,520 --> 00:04:36,620 B: HOFFEN2A* 1013 00:04:36,520 --> 00:04:36,620 B: hoffen 1014 00:04:36,740 --> 00:04:36,860 B: MEIN1 1015 00:04:36,740 --> 00:04:36,860 B: mein 1016 00:04:37,020 --> 00:04:37,080 B: GELD1A 1017 00:04:37,020 --> 00:04:37,080 B: geld 1018 00:04:37,220 --> 00:04:37,280 B: GUT1 1019 00:04:37,220 --> 00:04:37,280 B: gut 1020 00:04:37,460 --> 00:04:37,500 B: LEBEN1C* 1021 00:04:37,580 --> 00:04:37,980 B: überleben 1022 00:04:37,580 --> 00:04:37,700 B: ÜBER1 1023 00:04:37,740 --> 00:04:37,980 B: LEBEN1C* 1024 00:04:38,140 --> 00:04:38,780 B: I am not very sure of it. 1025 00:04:38,180 --> 00:04:38,400 B: UNGEFÄHR1^ 1026 00:04:39,260 --> 00:04:42,540 A: Just imagine, that the banks would take off with your savings. 1027 00:04:39,540 --> 00:04:39,820 A: ||BESCHEUERT1^ 1028 00:04:39,540 --> 00:04:39,820 A: vorstellen 1029 00:04:40,020 --> 00:04:40,420 A: BANK-GELD1* 1030 00:04:40,980 --> 00:04:41,100 A: ||DEIN1 1031 00:04:40,980 --> 00:04:41,100 A: dein 1032 00:04:41,340 --> 00:04:41,540 A: AUFKLAPPEN-BUCH1^ 1033 00:04:41,340 --> 00:04:41,540 A: sparbuch 1034 00:04:41,780 --> 00:04:41,960 A: WEG-VERSCHWINDEN3 1035 00:04:41,780 --> 00:04:41,960 A: weg 1036 00:04:43,480 --> 00:04:45,920 A: You have to trust the banks. That's how it is. 1037 00:04:44,000 --> 00:04:44,040 A: ||DU1* 1038 00:04:44,280 --> 00:04:44,440 A: VERTRAUEN1 1039 00:04:44,280 --> 00:04:44,440 A: vertrauen 1040 00:04:44,740 --> 00:04:44,880 A: ||AUF-PERSON1* 1041 00:04:44,740 --> 00:04:44,880 A: auf 1042 00:04:45,100 --> 00:04:45,240 A: ||BANK-GELD1 1043 00:04:45,100 --> 00:04:45,240 A: bank 1044 00:04:45,380 --> 00:04:45,480 A: ||$GEST-OFF^ 1045 00:04:45,380 --> 00:04:45,480 A: [MG] 1046 00:04:46,160 --> 00:04:46,980 B: True. 1047 00:04:46,280 --> 00:04:46,700 B: $ORAL^ 1048 00:04:46,280 --> 00:04:46,700 B: stimmt 1049 00:04:46,980 --> 00:04:50,780 B: I heard that banks could loan money from other banks once they run out of money. 1050 00:04:47,160 --> 00:04:47,320 B: $ORAL^ 1051 00:04:47,160 --> 00:04:47,320 B: aber 1052 00:04:47,500 --> 00:04:47,600 B: ERFAHRUNG1B* 1053 00:04:47,500 --> 00:04:47,600 B: erfahrung 1054 00:04:48,040 --> 00:04:48,500 B: bank 1055 00:04:48,040 --> 00:04:48,060 B: BANK-GELD1* 1056 00:04:48,220 --> 00:04:48,500 B: GELD1A^ 1057 00:04:48,680 --> 00:04:49,120 B: IN-BEDRÄNGNIS-SEIN2* 1058 00:04:48,680 --> 00:04:49,120 B: [MG] 1059 00:04:49,460 --> 00:04:50,500 B: LEIHEN1* 1060 00:04:49,460 --> 00:04:50,500 B: leihen leihen leihen 1061 00:04:50,780 --> 00:04:51,380 B: Yes, that's true. 1062 00:04:50,920 --> 00:04:51,100 B: ||STIMMT1A 1063 00:04:50,920 --> 00:04:51,100 B: stimmt 1064 00:04:51,380 --> 00:04:56,060 A: My father used to get his wage in an envelope. 1065 00:04:51,880 --> 00:04:52,160 A: ||FRÜHER1 1066 00:04:51,880 --> 00:04:52,160 A: früher 1067 00:04:52,160 --> 00:04:52,280 A: ||ICH2* 1068 00:04:52,160 --> 00:04:52,280 A: mein 1069 00:04:52,600 --> 00:04:53,040 A: ||VATER1 1070 00:04:52,600 --> 00:04:53,040 A: vater 1071 00:04:53,900 --> 00:04:54,140 A: ||LOHN1 1072 00:04:53,900 --> 00:04:54,140 A: lohn 1073 00:04:54,540 --> 00:04:54,920 A: ||HINEINSTECKEN2^* 1074 00:04:54,540 --> 00:04:54,920 A: brief 1075 00:04:54,920 --> 00:04:55,540 A: ||GEBEN-FESTHALTEN1A^ 1076 00:04:56,060 --> 00:04:57,240 A: The bank wasn't even involved. 1077 00:04:56,380 --> 00:04:56,500 A: BANK-GELD1 1078 00:04:56,380 --> 00:04:56,500 A: bank 1079 00:04:56,700 --> 00:04:57,060 A: $GEST-OFF^ 1080 00:04:56,700 --> 00:04:57,060 A: [MG] 1081 00:04:57,240 --> 00:05:00,120 A: Yes, you used to get an envelope which contained your wage. 1082 00:04:57,240 --> 00:04:59,320 B: So he got an envelope that contained the bills? 1083 00:04:57,240 --> 00:04:57,860 B: $INDEX1* 1084 00:04:57,500 --> 00:04:57,780 A: BRIEF1A 1085 00:04:57,500 --> 00:04:57,780 A: brief 1086 00:04:58,080 --> 00:04:58,200 B: BRIEF1B 1087 00:04:58,080 --> 00:04:58,200 B: brief 1088 00:04:58,280 --> 00:04:58,480 A: ||LOHN1 1089 00:04:58,280 --> 00:04:58,480 A: lohn 1090 00:04:58,300 --> 00:04:58,320 B: GELD1A 1091 00:04:58,300 --> 00:04:58,320 B: geld 1092 00:04:58,500 --> 00:04:59,280 B: $PROD* 1093 00:04:58,840 --> 00:04:59,000 A: ||HINEINSTECKEN2^ 1094 00:04:59,320 --> 00:05:00,120 B: That's interesting. 1095 00:04:59,420 --> 00:04:59,760 B: INTERESSE1A 1096 00:04:59,420 --> 00:04:59,760 B: interessant 1097 00:04:59,600 --> 00:04:59,920 A: ||GEBEN-FESTHALTEN1A^ 1098 00:05:00,120 --> 00:05:01,360 B: So cash, basically. 1098 00:05:00,120 --> 00:05:01,360 A: Yes, in Deutscher Mark. 1100 00:05:00,380 --> 00:05:00,800 B: bargeld 1101 00:05:00,380 --> 00:05:00,520 B: BAR-BEZAHLEN3 1102 00:05:00,580 --> 00:05:00,940 A: d-m 1103 00:05:00,580 --> 00:05:00,600 A: ||$ALPHA1:D 1104 00:05:00,680 --> 00:05:00,800 B: GELD1A 1105 00:05:00,760 --> 00:05:00,940 A: ||MARK1 1106 00:05:01,140 --> 00:05:01,340 A: ||$GEST-OFF^* 1107 00:05:01,360 --> 00:05:03,060 A: It was enough and the envelopes were handed out until there were none left. 1108 00:05:01,580 --> 00:05:01,940 A: genug 1109 00:05:01,580 --> 00:05:01,700 A: ||GENUG1* 1110 00:05:01,840 --> 00:05:01,940 A: ||AB2^ 1111 00:05:02,080 --> 00:05:02,500 A: VERTEILEN2^* 1112 00:05:02,700 --> 00:05:02,920 A: ||ALLE-LEER3^ 1113 00:05:02,700 --> 00:05:02,920 A: [MG] 1114 00:05:03,060 --> 00:05:05,060 A: The following month, the money was once again handed to you in an envelope. 1115 00:05:03,120 --> 00:05:03,380 A: ||NÄCHSTE1 1116 00:05:03,120 --> 00:05:03,380 A: nächsten 1117 00:05:03,600 --> 00:05:03,940 A: monat 1118 00:05:03,600 --> 00:05:03,760 A: ||ZUSAMMEN3A^ 1119 00:05:03,760 --> 00:05:03,940 A: ||HINEINSTECKEN2^ 1120 00:05:04,260 --> 00:05:04,920 A: ||VERTEILEN3^* 1121 00:05:04,920 --> 00:05:05,060 A: ||$GEST-OFF^* 1122 00:05:05,060 --> 00:05:05,700 A: It worked out well that way. 1123 00:05:05,280 --> 00:05:05,380 A: ||GUT1* 1124 00:05:05,280 --> 00:05:05,380 A: [MG] 1125 00:05:05,540 --> 00:05:05,700 A: ||$GEST-OFF^ 1126 00:05:05,700 --> 00:05:09,080 A: There are experts at the banks these days who think of ways to increase the profits. 1127 00:05:06,080 --> 00:05:06,180 A: ||JETZT1 1128 00:05:06,080 --> 00:05:06,180 A: jetzt 1129 00:05:06,600 --> 00:05:06,700 A: ||GESCHICKT1A^ 1130 00:05:06,600 --> 00:05:06,700 A: [MG] 1131 00:05:06,960 --> 00:05:07,400 A: STEIGERUNG2^* 1132 00:05:07,860 --> 00:05:08,060 A: ||BANK-GELD1 1133 00:05:07,860 --> 00:05:08,060 A: bank 1134 00:05:08,180 --> 00:05:08,320 A: WIE7A 1135 00:05:08,180 --> 00:05:08,320 A: wie 1136 00:05:08,740 --> 00:05:09,080 A: da 1137 00:05:08,740 --> 00:05:08,940 A: ||DA1* 1138 00:05:09,040 --> 00:05:09,080 A: ||$GEST-OFF^* 1139 00:05:09,080 --> 00:05:11,620 A: They used to have that before, but now it happens on a bigger scale, and the banks accumulate more and more money. 1140 00:05:09,260 --> 00:05:09,500 A: ||VORHER1* 1141 00:05:09,260 --> 00:05:09,500 A: schon vorher 1142 00:05:09,720 --> 00:05:09,940 A: ||AB2^* 1143 00:05:09,720 --> 00:05:09,940 A: schon aber 1144 00:05:10,460 --> 00:05:10,840 A: FÖRDERN1A^ 1145 00:05:10,840 --> 00:05:11,620 A: $GEST-KOMM-HER-HER-DAMIT1B^* 1146 00:05:11,620 --> 00:05:15,500 A: If you don't know what to do with your money, you should just bank it. 1147 00:05:11,940 --> 00:05:12,300 A: ||$PROD* 1148 00:05:11,940 --> 00:05:12,300 A: wohin 1149 00:05:12,500 --> 00:05:12,660 A: ||AB2^* 1150 00:05:12,860 --> 00:05:13,020 A: ||ZWANG1 1151 00:05:12,860 --> 00:05:13,020 A: gezwungen 1152 00:05:13,440 --> 00:05:13,540 A: ||BANK-GELD1* 1153 00:05:13,440 --> 00:05:13,540 A: bank 1154 00:05:13,780 --> 00:05:15,240 A: sparbuch sparbuch 1155 00:05:13,780 --> 00:05:14,320 A: ||GEBEN-GELD2A^* 1156 00:05:14,520 --> 00:05:15,240 A: ||GEBEN-FESTHALTEN1A^* 1157 00:05:15,500 --> 00:05:16,560 A: Well, what else shall I do with my money? 1158 00:05:15,540 --> 00:05:15,840 A: ||$GEST-OFF^* 1159 00:05:15,540 --> 00:05:15,840 A: [MG] 1160 00:05:15,940 --> 00:05:15,980 A: ||ICH1^* 1161 00:05:15,940 --> 00:05:15,980 A: was 1162 00:05:16,080 --> 00:05:16,440 A: soll machen 1163 00:05:16,080 --> 00:05:16,160 A: ||GELD1A^* 1164 00:05:16,280 --> 00:05:16,440 A: ||SO1* 1165 00:05:16,560 --> 00:05:18,020 A: If you haven't used up all of your money by the end of the month, there is nothing else to do but to put it in a savings account. 1166 00:05:16,720 --> 00:05:16,920 A: ||WENIGER-WERDEN5A^* 1167 00:05:16,720 --> 00:05:16,920 A: [MG] 1168 00:05:17,120 --> 00:05:17,460 A: ||KANN1^* 1169 00:05:17,120 --> 00:05:17,460 A: [MG] 1170 00:05:17,800 --> 00:05:17,960 A: ||GEBEN-GELD2A^* 1171 00:05:18,020 --> 00:05:21,000 A: The wages used to be a pittance but that has changed. 1172 00:05:18,220 --> 00:05:18,560 A: ||FRÜHER1 1173 00:05:18,220 --> 00:05:18,560 A: früher 1174 00:05:18,880 --> 00:05:19,340 A: hungerlohn 1175 00:05:18,880 --> 00:05:19,020 A: ||HUNGER3 1176 00:05:19,160 --> 00:05:19,340 A: ||LOHN1 1177 00:05:19,560 --> 00:05:19,640 A: ||HEUTE1 1178 00:05:19,560 --> 00:05:19,640 A: heute 1179 00:05:19,740 --> 00:05:19,900 A: ||NICHT-MEHR1B* 1180 00:05:19,740 --> 00:05:19,900 A: nicht mehr 1181 00:05:20,360 --> 00:05:20,800 A: hungerlohn 1182 00:05:20,360 --> 00:05:20,440 A: ||HUNGER3 1183 00:05:20,580 --> 00:05:20,800 A: ||LOHN1 1184 00:05:21,000 --> 00:05:26,720 A: It can be seen as a form of luxury if you are able to save up money. Part of that money can be spend on a vacation. So, that‘s gone then. 1185 00:05:21,280 --> 00:05:21,360 A: ||GEBEN-GELD2A^* 1186 00:05:21,620 --> 00:05:22,060 A: ||LUXUS1B* 1187 00:05:21,620 --> 00:05:22,060 A: luxus 1188 00:05:22,120 --> 00:05:22,320 A: ||BEISPIEL1 1189 00:05:22,120 --> 00:05:22,320 A: beispiel 1190 00:05:22,940 --> 00:05:23,220 A: ||$NUM-ORD1:1d 1191 00:05:22,940 --> 00:05:23,220 A: [MG] 1192 00:05:23,440 --> 00:05:24,280 A: teil 1193 00:05:23,440 --> 00:05:23,620 A: ||TEIL1A 1194 00:05:23,900 --> 00:05:24,280 A: ||$INDEX1* 1195 00:05:24,760 --> 00:05:25,060 A: ||URLAUB2 1196 00:05:24,760 --> 00:05:25,060 A: urlaub 1197 00:05:25,980 --> 00:05:26,240 A: ||WERFEN1^* 1198 00:05:25,980 --> 00:05:26,240 A: [MG] 1199 00:05:26,720 --> 00:05:29,520 A: The food is way cheaper today, too. 1200 00:05:27,400 --> 00:05:27,560 A: ||BILLIG1 1201 00:05:27,400 --> 00:05:27,560 A: bi{llig} 1202 00:05:27,740 --> 00:05:28,000 A: ||ESSEN2 1203 00:05:27,740 --> 00:05:28,000 A: essen 1204 00:05:28,280 --> 00:05:29,160 A: ||WENIGER-WERDEN3A* 1205 00:05:28,280 --> 00:05:29,160 A: [MG] 1206 00:05:30,580 --> 00:05:35,280 B: You just said that the wages were handed out in envelopes. That was good. 1207 00:05:30,980 --> 00:05:31,000 B: DU1* 1208 00:05:31,260 --> 00:05:31,360 B: SAGEN1 1209 00:05:31,260 --> 00:05:31,360 B: sagen 1210 00:05:32,720 --> 00:05:32,900 B: BRIEF1B 1211 00:05:32,720 --> 00:05:32,900 B: brief 1212 00:05:33,100 --> 00:05:33,760 B: lohn 1213 00:05:33,100 --> 00:05:33,220 B: LOHN1* 1214 00:05:33,360 --> 00:05:33,760 B: $PROD* 1215 00:05:33,960 --> 00:05:34,420 B: ||GEBEN-GELD2A* 1216 00:05:34,420 --> 00:05:34,480 B: GUT1* 1217 00:05:34,420 --> 00:05:34,480 B: [MG] 1218 00:05:34,480 --> 00:05:35,280 B: GEBEN-GELD2A* 1219 00:05:35,280 --> 00:05:39,500 B: That way the state didn't know how much money you've saved up. 1220 00:05:35,500 --> 00:05:35,520 B: $INDEX1* 1221 00:05:35,720 --> 00:05:35,740 B: ICH1 1222 00:05:36,200 --> 00:05:36,440 B: AUSDEHNEN1C^* 1223 00:05:36,560 --> 00:05:37,100 B: wie viel 1224 00:05:36,560 --> 00:05:36,640 B: GELD1A 1225 00:05:36,920 --> 00:05:37,100 B: AUSDEHNEN1C^* 1226 00:05:37,300 --> 00:05:37,340 B: OBEN1^ 1227 00:05:37,640 --> 00:05:37,780 B: STAAT1A 1228 00:05:37,640 --> 00:05:37,780 B: staat 1229 00:05:38,000 --> 00:05:38,340 B: SEHEN1 1230 00:05:38,560 --> 00:05:39,040 B: WISSEN-NICHT1 1231 00:05:38,560 --> 00:05:39,040 B: weiß ni{cht} 1232 00:05:39,240 --> 00:05:39,480 B: $GEST-OFF^* 1233 00:05:39,500 --> 00:05:41,860 B: A bank could give them these information. 1234 00:05:39,800 --> 00:05:39,980 B: bank 1235 00:05:39,800 --> 00:05:39,920 B: BANK-GELD1 1236 00:05:39,960 --> 00:05:39,980 B: $INDEX1* 1237 00:05:40,080 --> 00:05:40,100 B: KANN1* 1238 00:05:40,080 --> 00:05:40,100 B: kann 1239 00:05:40,400 --> 00:05:40,980 B: verraten 1240 00:05:40,400 --> 00:05:40,540 B: VERRATEN1A* 1241 00:05:40,720 --> 00:05:40,980 B: $INDEX1* 1242 00:05:41,200 --> 00:05:41,480 B: $GEST-OFF^* 1243 00:05:41,200 --> 00:05:41,480 B: [MG] 1244 00:05:41,860 --> 00:05:43,560 A: Good question. I don't know how that worked. 1245 00:05:42,200 --> 00:05:42,220 A: ||GUT1* 1246 00:05:42,200 --> 00:05:42,220 A: gute 1247 00:05:42,500 --> 00:05:42,680 A: ||FRAGE1 1248 00:05:42,500 --> 00:05:42,680 A: frage 1249 00:05:42,980 --> 00:05:43,040 A: ||ICH1 1250 00:05:43,300 --> 00:05:43,500 A: ||WIE-FRAGE-VERGLEICH1* 1251 00:05:43,300 --> 00:05:43,500 A: weiß nicht wie 1252 00:05:43,560 --> 00:05:44,420 A: I can ask again. 1253 00:05:43,640 --> 00:05:43,680 A: ||ICH1 1254 00:05:43,820 --> 00:05:43,920 A: ||KANN1 1255 00:05:43,820 --> 00:05:43,920 A: kann 1256 00:05:44,020 --> 00:05:44,160 A: ||NOCHMAL2B 1257 00:05:44,020 --> 00:05:44,160 A: noch mal 1258 00:05:44,300 --> 00:05:44,340 A: ||FRAGE1* 1259 00:05:44,300 --> 00:05:44,340 A: fragen 1260 00:05:44,420 --> 00:05:51,140 A: My dad got his wage in an envelope until after the second world war had ended. Afterwards they changed it. 1261 00:05:44,760 --> 00:05:44,880 A: ||ABER1* 1262 00:05:44,760 --> 00:05:44,880 A: aber 1263 00:05:45,060 --> 00:05:46,240 A: zweiter weltkrieg 1264 00:05:45,060 --> 00:05:45,420 A: ||$NUM-ORD1:2 1265 00:05:45,860 --> 00:05:46,240 A: KRIEG1A 1266 00:05:46,480 --> 00:05:46,600 A: ||VORBEI1* 1267 00:05:46,480 --> 00:05:46,600 A: vorbei 1268 00:05:46,780 --> 00:05:48,300 B: Yes, in that time in between. 1269 00:05:46,940 --> 00:05:47,440 A: ||BALD1^* 1270 00:05:46,960 --> 00:05:47,060 B: ||$GEST-OFF^* 1271 00:05:46,960 --> 00:05:47,060 B: ja 1272 00:05:47,300 --> 00:05:47,820 B: ||VOR1E^* 1273 00:05:47,640 --> 00:05:47,900 A: $GEST-OFF^ 1274 00:05:47,640 --> 00:05:47,900 A: [MG] 1275 00:05:48,000 --> 00:05:48,100 B: ||STIMMT1A* 1276 00:05:48,220 --> 00:05:48,360 A: AUFKLAPPEN-PAPIER1^* 1277 00:05:48,220 --> 00:05:48,360 A: brief 1278 00:05:48,500 --> 00:05:49,240 A: ||GEBEN-FESTHALTEN1A^* 1279 00:05:48,500 --> 00:05:49,240 A: später 1280 00:05:48,880 --> 00:05:50,100 B: Right. 1281 00:05:49,160 --> 00:05:49,480 B: $ORAL^ 1282 00:05:49,160 --> 00:05:49,480 B: stimmt 1283 00:05:49,620 --> 00:05:50,100 A: ||UM1A^ 1284 00:05:49,620 --> 00:05:50,100 A: [MG] 1285 00:05:50,100 --> 00:05:52,120 B: Yes, maybe now they have a stricter regulation. Oh well. 1286 00:05:50,420 --> 00:05:50,440 B: JETZT1* 1287 00:05:50,420 --> 00:05:50,440 B: jetzt 1288 00:05:50,440 --> 00:05:50,620 A: ||$GEST-OFF^ 1289 00:05:50,440 --> 00:05:50,620 A: [MG] 1290 00:05:50,600 --> 00:05:50,660 B: MEHR1 1291 00:05:50,600 --> 00:05:50,660 B: mehr 1292 00:05:50,860 --> 00:05:51,320 B: SCHARF1A 1293 00:05:50,860 --> 00:05:51,320 B: scharf scharf 1294 00:05:51,140 --> 00:05:51,680 A: Yes. 1295 00:05:51,200 --> 00:05:51,320 A: $ORAL^ 1296 00:05:51,200 --> 00:05:51,320 A: ja 1297 00:05:51,680 --> 00:05:52,560 A: Just for that reason. 1298 00:05:51,680 --> 00:05:51,780 B: AB2^* 1299 00:05:51,840 --> 00:05:52,040 A: ||DARUM1* 1300 00:05:51,840 --> 00:05:52,040 A: darum 1301 00:05:53,720 --> 00:06:07,680 C: What kind of assets do you have now? Do you have a savings account which pays interest on your money? Do you invest in stocks, have a fund or something similar? What do you guys have? 1302 00:06:08,460 --> 00:06:10,700 A: I have my money in a savings account, yes. 1303 00:06:08,820 --> 00:06:09,100 A: AUFKLAPPEN-BUCH1^ 1304 00:06:08,820 --> 00:06:09,100 A: sparbuch 1305 00:06:09,440 --> 00:06:10,280 A: [MG] 1306 00:06:09,440 --> 00:06:09,800 A: ||GEBEN-GELD2A^* 1307 00:06:10,100 --> 00:06:10,280 A: ||$GEST-OFF^* 1308 00:06:10,700 --> 00:06:12,340 A: The interest vary. 1308 00:06:10,700 --> 00:06:12,340 B: Yes, my money is in a savings account. 1310 00:06:10,780 --> 00:06:10,980 B: GLEICH8* 1311 00:06:10,780 --> 00:06:10,980 B: dasselbe 1312 00:06:11,160 --> 00:06:11,900 A: ||ZICKZACK-VERLAUF1A^* 1313 00:06:11,160 --> 00:06:11,900 A: [MG] 1314 00:06:11,260 --> 00:06:11,760 B: sparbuch 1315 00:06:11,260 --> 00:06:11,380 B: AUFKLAPPEN-BUCH1^ 1316 00:06:11,540 --> 00:06:11,760 B: SAMMELN1^* 1317 00:06:13,140 --> 00:06:14,760 B: Also/ 1318 00:06:13,440 --> 00:06:13,560 B: AUCH3A* 1319 00:06:13,440 --> 00:06:13,560 B: auch 1320 00:06:13,760 --> 00:06:13,960 B: #name1 1321 00:06:15,400 --> 00:06:17,900 A: I bought shares and invested my money that way, too. 1322 00:06:15,600 --> 00:06:15,760 A: auch 1323 00:06:15,600 --> 00:06:15,640 A: ||AUCH3A 1324 00:06:15,740 --> 00:06:15,760 A: ||ICH1* 1325 00:06:16,120 --> 00:06:16,660 A: ||ZICKZACK-VERLAUF1A^* 1326 00:06:16,120 --> 00:06:16,660 A: aktien 1327 00:06:16,980 --> 00:06:17,240 A: ||GEBEN-GELD2A^* 1328 00:06:16,980 --> 00:06:17,240 A: [MG] 1329 00:06:17,900 --> 00:06:19,140 A: I watch the stock changes and compare them. 1330 00:06:18,320 --> 00:06:18,480 A: ||SCHAUEN1* 1331 00:06:18,320 --> 00:06:18,480 A: [MG] 1332 00:06:18,600 --> 00:06:19,040 A: VERGLEICH1A^* 1333 00:06:18,600 --> 00:06:19,040 A: [MG] 1334 00:06:19,140 --> 00:06:21,260 A: If one gets to risky, I pull my money back and choose another one. 1335 00:06:19,220 --> 00:06:19,400 A: ||$INDEX1* 1336 00:06:19,540 --> 00:06:19,720 A: ||RISIKO6 1337 00:06:19,540 --> 00:06:19,720 A: risiko 1338 00:06:19,840 --> 00:06:20,100 A: ||NEIN1B^* 1339 00:06:19,840 --> 00:06:20,100 A: [MG] 1340 00:06:20,340 --> 00:06:20,860 A: ||$INDEX1* 1341 00:06:20,340 --> 00:06:20,860 A: [MG] 1342 00:06:21,260 --> 00:06:25,200 A: One can check that with ones online banking. I run and administer everything there. 1343 00:06:21,640 --> 00:06:21,840 A: ||SCHAUEN1* 1344 00:06:21,640 --> 00:06:21,840 A: schauen 1345 00:06:22,280 --> 00:06:23,240 A: internet-bank 1346 00:06:22,280 --> 00:06:22,500 A: INTERNET1* 1347 00:06:22,900 --> 00:06:23,240 A: BANK-GELD1^* 1348 00:06:23,560 --> 00:06:24,180 A: ||VIELES-HÄNGT-ZUSAMMEN1* 1349 00:06:23,560 --> 00:06:24,180 A: [MG] 1350 00:06:24,320 --> 00:06:24,640 A: VERGLEICH1A^ 1351 00:06:24,320 --> 00:06:24,640 A: [MG] 1352 00:06:26,540 --> 00:06:33,540 B: I remember that an increased number of insurance salesmen came to visit me after the fall of the Berlin wall. 1353 00:06:26,880 --> 00:06:26,940 B: ICH1 1354 00:06:26,880 --> 00:06:26,940 B: ich 1355 00:06:27,140 --> 00:06:27,200 B: WISSEN2B* 1356 00:06:27,140 --> 00:06:27,200 B: weiß 1357 00:06:27,440 --> 00:06:27,920 B: FRÜHER1 1358 00:06:27,440 --> 00:06:27,920 B: früher 1359 00:06:28,160 --> 00:06:28,260 B: ICH1 1360 00:06:28,900 --> 00:06:29,320 B: LETZTE4^* 1361 00:06:28,900 --> 00:06:29,320 B: damals 1362 00:06:29,860 --> 00:06:30,700 B: mauerfall 1363 00:06:29,860 --> 00:06:30,360 B: MAUER3* 1364 00:06:30,360 --> 00:06:30,700 B: MAUERFALL1 1365 00:06:31,240 --> 00:06:31,540 B: MEHR3 1366 00:06:31,240 --> 00:06:31,540 B: mehr mehr 1367 00:06:31,860 --> 00:06:32,420 B: versicherungsvertreter 1368 00:06:31,860 --> 00:06:32,120 B: VERSICHERUNG2* 1369 00:06:32,260 --> 00:06:32,420 B: VERTRETUNG2A 1370 00:06:32,740 --> 00:06:32,940 B: ICH1^ 1371 00:06:32,940 --> 00:06:33,520 B: BESUCHEN1B* 1372 00:06:33,540 --> 00:06:34,820 B: They recommended many things. 1373 00:06:33,780 --> 00:06:34,200 B: EMPFEHLEN1A* 1374 00:06:33,780 --> 00:06:34,200 B: empfehlen empfehlen 1375 00:06:34,200 --> 00:06:34,580 B: $GEST^ 1376 00:06:34,580 --> 00:06:34,740 B: ||VIEL1A^* 1377 00:06:34,820 --> 00:06:36,940 B: I didn't know anything about it from my time in the GDR. 1378 00:06:35,000 --> 00:06:35,300 B: ICH1 1379 00:06:35,000 --> 00:06:35,300 B: aber ich 1380 00:06:35,500 --> 00:06:35,620 B: FRÜHER1* 1381 00:06:35,500 --> 00:06:35,620 B: früher 1382 00:06:35,760 --> 00:06:36,040 B: $ALPHA1:D-R* 1383 00:06:35,760 --> 00:06:36,040 B: d-d-r 1384 00:06:36,320 --> 00:06:36,900 B: kennen nicht 1385 00:06:36,320 --> 00:06:36,560 B: KENNEN1B* 1386 00:06:36,620 --> 00:06:36,900 B: $GEST-OFF^ 1387 00:06:36,940 --> 00:06:37,860 B: We didn't have anything like that. 1388 00:06:37,320 --> 00:06:37,800 B: ||LEER1^ 1389 00:06:37,860 --> 00:06:40,260 B: Everything was new to me and one thing seemed to top off the other. I was very unsure and confused. 1390 00:06:37,920 --> 00:06:38,000 B: ||KOMMA1^* 1391 00:06:38,060 --> 00:06:38,400 B: ||NEU1A^* 1392 00:06:38,580 --> 00:06:38,740 B: GUT5A^* 1393 00:06:38,960 --> 00:06:39,000 B: ICH2* 1394 00:06:39,140 --> 00:06:40,140 B: IN-BEDRÄNGNIS-SEIN2* 1395 00:06:40,260 --> 00:06:45,520 B: I was recommended a life insurance with an insurance period of 21 years which I signed, though I hesitated at first. 1396 00:06:40,420 --> 00:06:40,440 B: $INDEX1* 1397 00:06:40,760 --> 00:06:41,240 B: lebensversicherung 1398 00:06:40,760 --> 00:06:40,880 B: LEBEN1C 1399 00:06:41,040 --> 00:06:41,240 B: VERSICHERUNG2* 1400 00:06:41,600 --> 00:06:41,740 B: GUT1* 1401 00:06:41,600 --> 00:06:41,740 B: [MG] 1402 00:06:42,040 --> 00:06:42,180 B: WAHRNEHMEN-OHR1^* 1403 00:06:42,520 --> 00:06:42,660 B: OKAY1 1404 00:06:42,520 --> 00:06:42,660 B: okay 1405 00:06:42,800 --> 00:06:42,820 B: ICH2 1406 00:06:43,080 --> 00:06:43,420 B: UNTERSCHREIBEN1A 1407 00:06:43,640 --> 00:06:43,940 B: einundzwanzig 1408 00:06:43,640 --> 00:06:43,660 B: $NUM-EINER1A:1d 1409 00:06:43,780 --> 00:06:43,940 B: $NUM-ZEHNER2A:2d 1410 00:06:44,160 --> 00:06:44,620 B: JAHR2A 1411 00:06:44,160 --> 00:06:44,620 B: jahre 1412 00:06:44,860 --> 00:06:45,500 B: versicherung 1413 00:06:44,860 --> 00:06:45,060 B: VERSICHERUNG2* 1414 00:06:45,220 --> 00:06:45,500 B: MASS-SAGITTAL2B^* 1415 00:06:45,520 --> 00:06:47,160 B: I would get that money later in addition to my pension. 1416 00:06:45,660 --> 00:06:45,700 B: SPÄTER3* 1417 00:06:45,660 --> 00:06:45,700 B: später 1418 00:06:45,940 --> 00:06:46,260 B: RENTE1* 1419 00:06:45,940 --> 00:06:46,260 B: rente 1420 00:06:46,580 --> 00:06:47,100 B: AUFSTOCKEN1B 1421 00:06:47,160 --> 00:06:49,120 B: I agreed and some time passed. 1422 00:06:47,340 --> 00:06:47,360 B: ICH1 1423 00:06:47,480 --> 00:06:47,580 B: OKAY1* 1424 00:06:47,480 --> 00:06:47,580 B: okay 1425 00:06:47,700 --> 00:06:47,800 B: $GEST-ABWINKEN1^ 1426 00:06:47,700 --> 00:06:47,800 B: [MG] 1427 00:06:47,800 --> 00:06:48,820 B: AUFWICKELN1^ 1428 00:06:48,820 --> 00:06:49,120 B: $GEST-OFF^ 1429 00:06:49,120 --> 00:06:51,900 B: I canceled the insurance after seven years and I got my money back. 1430 00:06:49,340 --> 00:06:49,620 B: VIELLEICHT1 1431 00:06:49,340 --> 00:06:49,620 B: vielleicht 1432 00:06:50,020 --> 00:06:50,320 B: JAHR1B* 1433 00:06:50,020 --> 00:06:50,320 B: sieben jahre 1434 00:06:50,660 --> 00:06:50,960 B: ABBRUCH1 1435 00:06:50,660 --> 00:06:50,960 B: [MG] 1436 00:06:51,180 --> 00:06:51,420 B: $ORAL^ 1437 00:06:51,180 --> 00:06:51,420 B: geld 1438 00:06:51,480 --> 00:06:51,900 B: ZURÜCK1A 1439 00:06:51,480 --> 00:06:51,900 B: zurück 1440 00:06:51,900 --> 00:06:55,600 B: Even though I wasn't getting my whole money back, I invested in another asset and was done with it. 1441 00:06:52,240 --> 00:06:52,380 B: UPDATE1A^* 1442 00:06:52,860 --> 00:06:53,000 B: VERLUST2 1443 00:06:52,860 --> 00:06:53,000 B: verlust 1444 00:06:53,260 --> 00:06:53,320 B: JA1A 1445 00:06:53,260 --> 00:06:53,320 B: ja 1446 00:06:53,760 --> 00:06:53,880 B: ANDERS1 1447 00:06:53,760 --> 00:06:53,880 B: andere 1448 00:06:54,040 --> 00:06:54,700 B: ||GEBEN-GELD2A^* 1449 00:06:54,040 --> 00:06:54,700 B: anlage 1450 00:06:54,980 --> 00:06:55,260 B: ||NEIN3B^* 1451 00:06:55,260 --> 00:06:55,520 B: ||$GEST-OFF^* 1452 00:06:55,600 --> 00:07:02,080 B: I put my money in a certificate of deposit which is similar to a savings account. It pays more interests than my life insurances which payed almost no interests. 1453 00:06:55,860 --> 00:06:55,960 B: $GEST-OFF^* 1454 00:06:55,860 --> 00:06:55,960 B: wie 1455 00:06:56,160 --> 00:06:56,580 B: sparbuch 1456 00:06:56,160 --> 00:06:56,320 B: SPAREN2* 1457 00:06:56,440 --> 00:06:56,580 B: BUCH1B 1458 00:06:56,700 --> 00:06:56,940 B: $GEST-OFF^* 1459 00:06:56,700 --> 00:06:56,940 B: aber wie 1460 00:06:57,120 --> 00:06:57,640 B: sparbrief 1461 00:06:57,120 --> 00:06:57,280 B: SPAREN2* 1462 00:06:57,520 --> 00:06:57,640 B: BRIEF1B 1463 00:06:58,000 --> 00:06:58,240 B: WERFEN1^* 1464 00:06:58,500 --> 00:06:58,660 B: LASSEN2A^* 1465 00:06:58,900 --> 00:06:59,260 B: besser 1466 00:06:58,900 --> 00:06:59,000 B: BESSER1* 1467 00:06:59,100 --> 00:06:59,260 B: $INDEX1* 1468 00:06:59,560 --> 00:06:59,600 B: $INDEX1* 1469 00:06:59,820 --> 00:07:00,300 B: lebensversicherung 1470 00:06:59,820 --> 00:06:59,980 B: LEBEN1C* 1471 00:07:00,120 --> 00:07:00,300 B: VERSICHERUNG1* 1472 00:07:00,480 --> 00:07:00,600 B: $INDEX1* 1473 00:07:00,760 --> 00:07:00,880 B: FAST2 1474 00:07:00,760 --> 00:07:00,880 B: fast 1475 00:07:01,100 --> 00:07:01,740 B: nichts 1476 00:07:01,100 --> 00:07:01,260 B: NICHTS1B 1477 00:07:01,520 --> 00:07:01,740 B: AB2^* 1478 00:07:02,080 --> 00:07:03,740 B: It was just new to me. That's the way it was. 1479 00:07:02,340 --> 00:07:02,380 B: ||ICH2^ 1480 00:07:02,480 --> 00:07:02,600 B: ||NEU4A* 1481 00:07:02,480 --> 00:07:02,600 B: neu 1482 00:07:02,600 --> 00:07:03,300 B: ||$GEST-ICH-WEISS-NICHT1^* 1483 00:07:02,600 --> 00:07:03,300 B: [MG] 1484 00:07:03,040 --> 00:07:05,580 A: That's true. But at least you gained experience. 1485 00:07:03,220 --> 00:07:03,560 A: $GEST-OFF^ 1486 00:07:03,220 --> 00:07:03,560 A: stimmt 1487 00:07:03,740 --> 00:07:06,040 B: The competition is just very strong. 1488 00:07:04,160 --> 00:07:04,320 A: ||ERFAHRUNG1B* 1489 00:07:04,160 --> 00:07:04,320 A: erfahrung 1490 00:07:04,400 --> 00:07:04,860 B: KONKURRENZ1 1491 00:07:04,400 --> 00:07:04,860 B: konkurrenz 1492 00:07:04,560 --> 00:07:05,060 A: ||SAMMELN1^* 1493 00:07:05,000 --> 00:07:05,160 B: $INDEX1* 1494 00:07:05,340 --> 00:07:05,500 B: $GEST-OFF^ 1495 00:07:05,340 --> 00:07:05,500 B: [MG] 1496 00:07:06,040 --> 00:07:12,300 A: I was also told that one shouldn't deposit to much money in an insurance contract because of their little interest rate. 1497 00:07:06,860 --> 00:07:06,960 A: ||AUCH3A 1498 00:07:06,860 --> 00:07:06,960 A: auch 1499 00:07:07,440 --> 00:07:07,900 A: ||BESCHEID1A* 1500 00:07:08,520 --> 00:07:09,140 A: ||GEBEN-GELD2A^* 1501 00:07:08,520 --> 00:07:09,140 A: [MG] 1502 00:07:09,740 --> 00:07:09,960 A: ||ALT5A 1503 00:07:09,740 --> 00:07:09,960 A: alt 1504 00:07:10,220 --> 00:07:10,720 A: ||BEZAHLEN2^ 1505 00:07:10,220 --> 00:07:10,720 A: versicherung 1506 00:07:10,860 --> 00:07:11,260 A: ||NEIN1A 1507 00:07:10,860 --> 00:07:11,260 A: [MG] 1508 00:07:11,560 --> 00:07:12,300 A: [MG] 1509 00:07:11,560 --> 00:07:11,900 A: ||WENIG4* 1510 00:07:11,900 --> 00:07:12,300 A: ||WENIGER-WERDEN3B^* 1511 00:07:12,300 --> 00:07:15,740 A: It increases only after a few years. 1512 00:07:12,340 --> 00:07:12,580 A: $ORAL^ 1513 00:07:12,340 --> 00:07:12,580 A: aber 1514 00:07:12,840 --> 00:07:13,280 A: ||JAHR2A* 1515 00:07:12,840 --> 00:07:13,280 A: jahr 1516 00:07:13,500 --> 00:07:14,060 A: ||PHASE1A^* 1517 00:07:14,520 --> 00:07:15,100 A: ||ERHÖHEN1B 1518 00:07:14,520 --> 00:07:15,100 A: [MG] 1519 00:07:15,540 --> 00:07:15,580 A: ||$INDEX1* 1520 00:07:15,740 --> 00:07:18,600 A: The money can rather be used for leisure than/ 1521 00:07:15,940 --> 00:07:16,160 A: ||LIEBER1 1522 00:07:15,940 --> 00:07:16,160 A: lieber 1523 00:07:16,380 --> 00:07:16,520 A: ||$INDEX1* 1524 00:07:16,800 --> 00:07:17,140 A: ||FREIZEIT1B* 1525 00:07:16,800 --> 00:07:17,140 A: freizeit 1526 00:07:17,360 --> 00:07:17,540 A: BENUTZEN2* 1527 00:07:17,360 --> 00:07:17,540 A: nutzen 1528 00:07:17,720 --> 00:07:18,280 A: lieber 1529 00:07:17,720 --> 00:07:17,840 A: ||GEHÖREN1^* 1530 00:07:18,120 --> 00:07:18,280 A: ||AB2^ 1531 00:07:18,600 --> 00:07:21,900 A: A vacation is good for relaxing and good for the soul. 1532 00:07:19,200 --> 00:07:19,440 A: ||URLAUB3* 1533 00:07:19,200 --> 00:07:19,440 A: urlaub 1534 00:07:19,660 --> 00:07:20,460 A: genießen 1535 00:07:19,660 --> 00:07:19,840 A: ||$GEST-ÜBERLEGEN1^ 1536 00:07:20,120 --> 00:07:20,460 A: ||GENIESSEN1* 1537 00:07:20,780 --> 00:07:21,140 A: GEFÜHL3^ 1538 00:07:20,780 --> 00:07:21,140 A: [MG] 1539 00:07:21,500 --> 00:07:21,700 A: GUT1* 1540 00:07:21,900 --> 00:07:25,760 A: One has to enjoy themselves and one doesn't need to save money with all their might. That's not good either. 1541 00:07:21,940 --> 00:07:22,080 A: ||$GEST-OFF^ 1542 00:07:22,340 --> 00:07:22,560 A: ||WOHL1 1543 00:07:22,340 --> 00:07:22,560 A: wohl 1544 00:07:22,780 --> 00:07:22,920 A: ||MUSS1A* 1545 00:07:23,340 --> 00:07:23,820 A: ||SPAREN2 1546 00:07:23,340 --> 00:07:23,820 A: [MG] 1547 00:07:23,940 --> 00:07:24,380 A: ||GEBEN-GELD2A^* 1548 00:07:24,640 --> 00:07:24,720 A: ||ES-GEHT1B 1549 00:07:24,640 --> 00:07:24,720 A: geht 1550 00:07:24,860 --> 00:07:25,020 A: ||NICHT3A 1551 00:07:24,860 --> 00:07:25,020 A: nicht 1552 00:07:25,200 --> 00:07:25,320 A: $GEST-OFF^ 1553 00:07:25,200 --> 00:07:25,320 A: [MG] 1554 00:07:25,760 --> 00:07:29,960 B: I am not sure if the state will keep cash out money of the citizens' pensions funds. A lot of open questions remain. 1555 00:07:26,200 --> 00:07:26,260 B: ZUKUNFT2* 1556 00:07:26,200 --> 00:07:26,260 B: zukunft 1557 00:07:26,460 --> 00:07:27,360 B: RENTE1 1558 00:07:26,460 --> 00:07:27,360 B: rente 1559 00:07:27,960 --> 00:07:28,940 A: A huge pile/ 1560 00:07:28,000 --> 00:07:28,100 B: STAAT1A* 1561 00:07:28,000 --> 00:07:28,100 B: staat 1562 00:07:28,280 --> 00:07:28,840 A: ||MENGE1A^* 1563 00:07:28,280 --> 00:07:28,840 A: [MG] 1564 00:07:28,420 --> 00:07:29,060 B: PFLEGE1^* 1565 00:07:28,940 --> 00:07:29,920 A: Right, yes. 1566 00:07:29,040 --> 00:07:29,340 A: ach so 1567 00:07:29,040 --> 00:07:29,060 A: ||ACH-SO2* 1568 00:07:29,300 --> 00:07:29,340 A: ||SO1^* 1569 00:07:29,320 --> 00:07:29,800 B: FRAGEZEICHEN2^ 1570 00:07:29,960 --> 00:07:31,320 B: The pension payments decrease. 1571 00:07:29,960 --> 00:07:30,000 B: $GEST-OFF^* 1572 00:07:30,280 --> 00:07:31,220 B: WENIGER-WERDEN1* 1573 00:07:30,280 --> 00:07:31,220 B: wenig wenig wenig 1574 00:07:31,320 --> 00:07:32,880 B: What does the youth do? 1575 00:07:31,440 --> 00:07:31,460 B: UND2A* 1576 00:07:31,440 --> 00:07:31,460 B: und 1577 00:07:31,780 --> 00:07:31,840 B: NACHWUCHS1* 1578 00:07:31,780 --> 00:07:31,840 B: nachwuchs 1579 00:07:31,940 --> 00:07:32,880 B: WO1A* 1580 00:07:31,940 --> 00:07:32,880 B: wo wo wo 1581 00:07:32,880 --> 00:07:34,040 B: Oh well. 1582 00:07:32,880 --> 00:07:33,420 B: $GEST-OFF^ 1583 00:07:32,880 --> 00:07:33,420 B: [MG] 1584 00:07:34,280 --> 00:07:35,280 B: I live/ 1585 00:07:34,520 --> 00:07:34,540 B: ICH1 1586 00:07:34,700 --> 00:07:35,120 B: LEBEN1C* 1587 00:07:34,700 --> 00:07:35,120 B: leben 1588 00:07:35,280 --> 00:07:36,860 B: I’m asking myself how this is supposed to work out. 1589 00:07:35,600 --> 00:07:35,800 B: ÜBERLEGEN1 1590 00:07:35,600 --> 00:07:35,800 B: überlegen 1591 00:07:35,980 --> 00:07:36,240 B: WIE-FRAGE-VERGLEICH1* 1592 00:07:35,980 --> 00:07:36,240 B: wie wie 1593 00:07:36,860 --> 00:07:42,460 A: One has to imagine that we put aside large amounts of money again and again so that once we are old and frail, there is enough left. 1594 00:07:36,860 --> 00:07:38,860 B: Neither of us knows that. 1595 00:07:37,220 --> 00:07:37,740 B: WIR2* 1596 00:07:37,220 --> 00:07:37,620 A: ||VORSTELLUNG1A* 1597 00:07:37,220 --> 00:07:37,620 A: vorstellen 1598 00:07:37,900 --> 00:07:39,080 A: ||GEBEN-GELD2A^* 1599 00:07:37,900 --> 00:07:39,080 A: [MG] 1600 00:07:37,960 --> 00:07:38,080 B: WISSEN2B 1601 00:07:37,960 --> 00:07:38,080 B: weiß 1602 00:07:38,300 --> 00:07:38,460 B: NICHT3A 1603 00:07:38,300 --> 00:07:38,460 B: nicht 1604 00:07:39,420 --> 00:07:39,500 A: ||$INDEX1 1605 00:07:39,800 --> 00:07:40,740 A: ||MENGE1A^* 1606 00:07:39,800 --> 00:07:40,740 A: [MG] 1607 00:07:41,040 --> 00:07:41,200 A: ||ALT5B* 1608 00:07:41,040 --> 00:07:41,200 A: alt 1609 00:07:41,400 --> 00:07:42,100 A: $GEST^ 1610 00:07:41,400 --> 00:07:42,100 A: [LM:aua] 1611 00:07:42,460 --> 00:07:45,480 A: And then, when you don't want to go on a vacation anymore and rather stay at home you are left with the rest of the money. 1612 00:07:42,800 --> 00:07:42,920 A: ||URLAUB6* 1613 00:07:42,800 --> 00:07:42,920 A: urlaub 1614 00:07:43,100 --> 00:07:43,360 A: $GEST-ABWINKEN1^ 1615 00:07:43,100 --> 00:07:43,360 A: [MG] 1616 00:07:43,620 --> 00:07:43,800 A: ||KEINE-LUST1 1617 00:07:43,620 --> 00:07:43,800 A: [MG] 1618 00:07:44,100 --> 00:07:44,200 A: ZUHAUSE2 1619 00:07:44,100 --> 00:07:44,200 A: zu hause 1620 00:07:44,460 --> 00:07:45,160 A: ||KLEIN5^* 1621 00:07:44,460 --> 00:07:45,160 A: [MG] 1622 00:07:45,440 --> 00:07:45,480 A: ||$INDEX1 1623 00:07:45,480 --> 00:07:48,320 A: You could give some of the money to your grandchildren. 1624 00:07:45,640 --> 00:07:46,120 A: enkel 1625 00:07:45,640 --> 00:07:45,820 A: ENKELKIND3* 1626 00:07:45,960 --> 00:07:46,120 A: $GEST-OFF^ 1627 00:07:46,420 --> 00:07:47,460 A: ||GEBEN-GELD2A^* 1628 00:07:46,420 --> 00:07:47,460 A: [MG] 1629 00:07:47,600 --> 00:07:47,700 A: ||KANN1^ 1630 00:07:47,760 --> 00:07:47,780 A: ||$INDEX1* 1631 00:07:48,620 --> 00:07:56,320 A: Though, if you are working around the clock and are saving up money, you should rather enjoy yourself sometimes. 1632 00:07:48,680 --> 00:07:48,860 A: $ORAL^ 1633 00:07:48,680 --> 00:07:48,860 A: aber 1634 00:07:49,140 --> 00:07:49,340 A: ||VIEL1A 1635 00:07:49,140 --> 00:07:49,340 A: viel 1636 00:07:49,400 --> 00:07:49,680 A: ||STUNDE1B* 1637 00:07:49,400 --> 00:07:49,680 A: stunden 1638 00:07:49,880 --> 00:07:50,140 A: ||JAHR2A 1639 00:07:49,880 --> 00:07:50,140 A: im jahr 1640 00:07:50,280 --> 00:07:51,140 A: ARBEITEN4* 1641 00:07:50,280 --> 00:07:51,140 A: [MG] 1642 00:07:51,480 --> 00:07:52,140 A: ||GEBEN-GELD2A^* 1643 00:07:51,480 --> 00:07:52,140 A: [MG] 1644 00:07:52,400 --> 00:07:52,600 A: ||LIEBER1 1645 00:07:52,400 --> 00:07:52,600 A: lieber 1646 00:07:52,880 --> 00:07:56,000 B: Yes, that is good and then have a nice vacation. 1647 00:07:53,000 --> 00:07:53,720 A: arbeiten 1648 00:07:53,000 --> 00:07:53,200 A: ||ARBEITEN4* 1649 00:07:53,320 --> 00:07:54,160 B: $ORAL^ 1650 00:07:53,320 --> 00:07:54,160 B: das ist gut 1651 00:07:53,320 --> 00:07:53,720 A: ||ARBEITEN1 1652 00:07:53,940 --> 00:07:54,180 A: ||UND2A 1653 00:07:53,940 --> 00:07:54,180 A: und 1654 00:07:54,160 --> 00:07:54,240 B: STIMMT1^* 1655 00:07:54,620 --> 00:07:54,940 B: URLAUB2* 1656 00:07:54,620 --> 00:07:54,940 B: urlaub 1657 00:07:55,200 --> 00:07:55,780 A: GENIESSEN1 1658 00:07:55,200 --> 00:07:55,780 A: genießen 1659 00:07:55,900 --> 00:07:56,000 A: ||SO1^* 1660 00:07:56,320 --> 00:07:57,060 B: Then you enjoy yourself. 1661 00:07:56,640 --> 00:07:56,800 B: AB2^* 1662 00:07:56,640 --> 00:07:56,800 B: wohl 1663 00:07:57,300 --> 00:07:57,980 A: Oh well. 1664 00:07:57,480 --> 00:07:57,640 A: ||$GEST-OFF^* 1665 00:07:57,480 --> 00:07:57,640 A: [MG] 1666 00:07:58,500 --> 00:07:59,940 B: It has advantages and disadvantages. 1667 00:07:58,800 --> 00:07:58,820 B: GEHÖREN1^* 1668 00:07:59,040 --> 00:07:59,900 B: vor- und nachteil 1669 00:07:59,040 --> 00:07:59,300 B: VORTEIL2 1670 00:07:59,420 --> 00:07:59,500 B: AB2^* 1671 00:07:59,660 --> 00:07:59,900 B: NACHTEIL3 1672 00:07:59,940 --> 00:08:01,220 B: I am self-employed. 1673 00:08:00,020 --> 00:08:00,060 B: $GEST-OFF^* 1674 00:08:00,020 --> 00:08:00,060 B: bin 1675 00:08:00,160 --> 00:08:00,480 B: SELBST1A* 1676 00:08:00,160 --> 00:08:00,480 B: selbst 1677 00:08:00,520 --> 00:08:01,120 B: selbstständig 1678 00:08:00,520 --> 00:08:00,640 B: SELBST1A* 1679 00:08:00,740 --> 00:08:01,120 B: STEHEN1 1680 00:08:01,220 --> 00:08:04,800 B: Up to this point I didn't pay into the pension fund therefore I don't know what that is like. 1681 00:08:01,300 --> 00:08:01,320 B: ICH1* 1682 00:08:01,440 --> 00:08:01,960 B: rentenversicherung 1683 00:08:01,440 --> 00:08:01,560 B: RENTE1* 1684 00:08:01,760 --> 00:08:01,960 B: VERSICHERUNG2* 1685 00:08:02,160 --> 00:08:02,380 B: GEBEN-GELD2A^* 1686 00:08:02,380 --> 00:08:03,880 A: Right. 1687 00:08:02,660 --> 00:08:02,760 B: NULL2A* 1688 00:08:02,660 --> 00:08:02,760 B: null 1689 00:08:03,000 --> 00:08:03,660 A: $ORAL^ 1690 00:08:03,000 --> 00:08:03,660 A: ach so 1691 00:08:03,000 --> 00:08:03,240 B: KEIN8* 1692 00:08:03,000 --> 00:08:03,240 B: [MG] 1693 00:08:03,380 --> 00:08:03,660 B: BIS-JETZT3B 1694 00:08:03,380 --> 00:08:03,660 B: bis jetzt 1695 00:08:03,800 --> 00:08:04,380 B: IN-BEDRÄNGNIS-SEIN2* 1696 00:08:03,800 --> 00:08:04,380 B: [MG] 1697 00:08:03,880 --> 00:08:04,800 A: Is that on a voluntary basis? 1698 00:08:04,280 --> 00:08:04,900 A: freiwillig 1699 00:08:04,280 --> 00:08:04,740 A: ||FREIWILLIG4* 1700 00:08:04,800 --> 00:08:06,360 A: It is voluntary for you, right. 1701 00:08:04,820 --> 00:08:04,900 A: ||DU1^* 1702 00:08:04,920 --> 00:08:06,760 B: Yes, it is voluntary and I could pay it. 1703 00:08:05,060 --> 00:08:05,580 A: ||FREIWILLIG4* 1704 00:08:05,060 --> 00:08:05,580 A: freiwillig 1705 00:08:05,060 --> 00:08:05,140 B: $ORAL^ 1706 00:08:05,060 --> 00:08:05,140 B: ja 1707 00:08:05,520 --> 00:08:05,620 B: $INDEX1 1708 00:08:05,800 --> 00:08:06,100 B: FREIWILLIG4* 1709 00:08:05,800 --> 00:08:06,100 B: freiwillig 1710 00:08:05,800 --> 00:08:05,900 A: ||STIMMT1A 1711 00:08:05,800 --> 00:08:05,900 A: stimmt 1712 00:08:06,160 --> 00:08:06,440 B: kann 1713 00:08:06,160 --> 00:08:06,360 B: ANTRAG1A* 1714 00:08:06,360 --> 00:08:08,660 A: Didn't it just recently become mandatory? 1715 00:08:06,420 --> 00:08:06,440 B: ICH1 1716 00:08:06,460 --> 00:08:06,620 A: $ORAL^ 1717 00:08:06,460 --> 00:08:06,620 A: aber 1718 00:08:06,600 --> 00:08:06,720 B: GEBEN-FESTHALTEN1A* 1719 00:08:06,760 --> 00:08:07,700 B: I am not sure. 1720 00:08:06,760 --> 00:08:06,940 A: ||JETZT1 1721 00:08:06,760 --> 00:08:06,940 A: jetzt 1722 00:08:06,980 --> 00:08:07,480 B: aber 1723 00:08:06,980 --> 00:08:07,000 B: ICH2* 1724 00:08:07,040 --> 00:08:07,180 A: ||NEU1A 1725 00:08:07,040 --> 00:08:07,180 A: neu 1726 00:08:07,140 --> 00:08:07,480 B: $GEST-OFF^* 1727 00:08:07,380 --> 00:08:07,400 A: ||ACHTUNG1A^* 1728 00:08:07,620 --> 00:08:07,860 A: ||PFLICHT5* 1729 00:08:07,620 --> 00:08:07,860 A: pflicht 1730 00:08:08,080 --> 00:08:08,520 A: ||NEIN1A 1731 00:08:08,660 --> 00:08:10,620 B: Well. No, no. 1732 00:08:08,660 --> 00:08:09,340 A: Or didn't it? 1733 00:08:08,800 --> 00:08:10,620 B: $GEST-NM-KOPFSCHÜTTELN1^ 1734 00:08:08,800 --> 00:08:10,620 B: [MG] 1735 00:08:08,940 --> 00:08:09,040 A: ||ACHTUNG1A^* 1736 00:08:08,940 --> 00:08:09,040 A: nein 1737 00:08:09,340 --> 00:08:10,620 A: Is it still voluntary? 1738 00:08:09,700 --> 00:08:09,880 A: ||NOCH4A* 1739 00:08:09,700 --> 00:08:09,880 A: noch 1740 00:08:10,040 --> 00:08:10,400 A: ||FREIWILLIG4* 1741 00:08:10,040 --> 00:08:10,400 A: freiwillig 1742 00:08:10,620 --> 00:08:13,580 A: I thought it became mandatory recently, but apparently that's not true. 1743 00:08:10,820 --> 00:08:11,000 A: ||ACH-SO1 1744 00:08:10,820 --> 00:08:11,000 A: ach so 1745 00:08:11,160 --> 00:08:11,260 A: ||GLAUBEN2B* 1746 00:08:11,160 --> 00:08:11,260 A: glauben 1747 00:08:11,600 --> 00:08:11,800 A: ||VOR-KURZEM1* 1748 00:08:11,600 --> 00:08:11,800 A: [MG] 1749 00:08:12,300 --> 00:08:12,440 A: ||PFLICHT5* 1750 00:08:12,300 --> 00:08:12,440 A: pflicht 1751 00:08:12,600 --> 00:08:12,800 A: ||STIMMT1A* 1752 00:08:12,600 --> 00:08:12,800 A: stimmt nicht 1753 00:08:12,720 --> 00:08:14,080 B: No, so far it didn't. 1754 00:08:12,800 --> 00:08:13,340 B: $GEST-NM-KOPFSCHÜTTELN1^ 1755 00:08:12,800 --> 00:08:13,340 B: [MG] 1756 00:08:12,960 --> 00:08:13,100 A: ||OKAY1* 1757 00:08:12,960 --> 00:08:13,100 A: okay 1758 00:08:13,580 --> 00:08:13,800 B: BIS-JETZT3B* 1759 00:08:13,580 --> 00:08:13,800 B: bis jetzt 1760 00:08:13,800 --> 00:08:14,020 B: $GEST-OFF^* 1761 00:08:13,800 --> 00:08:14,020 B: [MG] 1762 00:08:14,080 --> 00:08:18,120 B: And it is new that self-employers can cover an unemployment insurance. 1763 00:08:14,200 --> 00:08:14,300 B: UND5 1764 00:08:14,200 --> 00:08:14,300 B: und 1765 00:08:14,520 --> 00:08:15,720 B: arbeitslosenversicherung 1766 00:08:14,520 --> 00:08:14,720 B: ARBEITEN2* 1767 00:08:14,900 --> 00:08:15,120 B: $WORTTEIL-LOS1 1768 00:08:15,480 --> 00:08:15,720 B: VERSICHERUNG2* 1769 00:08:16,020 --> 00:08:16,040 B: NEU1A* 1770 00:08:16,220 --> 00:08:16,300 B: AUCH3A 1771 00:08:16,220 --> 00:08:16,300 B: auch 1772 00:08:16,460 --> 00:08:16,520 B: FÜR1 1773 00:08:16,460 --> 00:08:16,520 B: für 1774 00:08:16,640 --> 00:08:17,000 B: selbstständig 1775 00:08:16,640 --> 00:08:16,740 B: SELBST1A* 1776 00:08:16,840 --> 00:08:17,000 B: STEHEN1 1777 00:08:17,120 --> 00:08:17,160 B: AUCH3A* 1778 00:08:17,120 --> 00:08:17,160 B: auch 1779 00:08:17,340 --> 00:08:17,560 B: NEU1A 1780 00:08:17,340 --> 00:08:17,560 B: neu 1781 00:08:18,120 --> 00:08:18,740 B: I personally didn't. 1782 00:08:18,280 --> 00:08:18,420 B: ICH2 1783 00:08:18,620 --> 00:08:18,740 B: KEIN7 1784 00:08:18,620 --> 00:08:18,740 B: [MG] 1785 00:08:18,740 --> 00:08:20,120 B: I signed something ahead of time that is older. 1786 00:08:19,000 --> 00:08:19,280 B: VORHER2* 1787 00:08:19,000 --> 00:08:19,280 B: vorher 1788 00:08:19,480 --> 00:08:19,700 B: ALT5A 1789 00:08:19,480 --> 00:08:19,700 B: alt 1790 00:08:20,120 --> 00:08:22,200 B: I don't have an unemployment insurance because they didn't use to have that. 1791 00:08:20,440 --> 00:08:20,460 B: ICH2* 1792 00:08:20,680 --> 00:08:20,760 B: $GEST-OFF^* 1793 00:08:20,760 --> 00:08:21,200 B: VERGANGENHEIT1^* 1794 00:08:21,360 --> 00:08:21,800 B: ES-GIBT3* 1795 00:08:21,360 --> 00:08:21,800 B: gibt nicht 1796 00:08:21,920 --> 00:08:22,180 B: KEIN1* 1797 00:08:21,920 --> 00:08:22,180 B: kein 1798 00:08:22,200 --> 00:08:24,040 B: Now it is new that if you are unemployed/ 1799 00:08:22,340 --> 00:08:22,440 B: JETZT3* 1800 00:08:22,340 --> 00:08:22,440 B: jetzt 1801 00:08:22,600 --> 00:08:22,800 B: NEU1A 1802 00:08:22,600 --> 00:08:22,800 B: neu 1803 00:08:23,340 --> 00:08:23,360 B: WENN1* 1804 00:08:23,340 --> 00:08:23,360 B: wenn 1805 00:08:23,460 --> 00:08:23,880 B: arbeitslos 1806 00:08:23,460 --> 00:08:23,540 B: ARBEITEN4* 1807 00:08:23,680 --> 00:08:23,880 B: $WORTTEIL-LOS1 1808 00:08:24,040 --> 00:08:28,480 B: … no, if you are self-employed, you are recommended to get an unemployment insurance. 1809 00:08:24,340 --> 00:08:24,700 B: NEIN1A 1810 00:08:24,860 --> 00:08:24,980 B: ARBEITEN2* 1811 00:08:24,860 --> 00:08:24,980 B: ar{beit} 1812 00:08:25,100 --> 00:08:25,820 B: selbstständig 1813 00:08:25,100 --> 00:08:25,220 B: SELBST1A* 1814 00:08:25,340 --> 00:08:25,520 B: STEHEN1 1815 00:08:25,680 --> 00:08:25,820 B: $INDEX1* 1816 00:08:26,260 --> 00:08:26,540 B: EMPFEHLEN1A 1817 00:08:26,260 --> 00:08:26,540 B: empfehlen 1818 00:08:27,120 --> 00:08:27,460 B: arbeitslosenversicherung 1819 00:08:27,120 --> 00:08:27,200 B: ARBEITEN2* 1820 00:08:27,300 --> 00:08:27,460 B: $WORTTEIL-LOS1 1821 00:08:27,900 --> 00:08:27,980 B: VERSICHERUNG2* 1822 00:08:28,200 --> 00:08:28,420 B: BESCHEID2^ 1823 00:08:28,480 --> 00:08:30,660 B: That are around 12 euros per month. 1824 00:08:28,780 --> 00:08:29,000 B: $NUM-TEEN2A:2d 1825 00:08:28,780 --> 00:08:29,000 B: zwölf 1826 00:08:29,240 --> 00:08:29,400 B: EURO1 1827 00:08:29,240 --> 00:08:29,400 B: euro 1828 00:08:29,560 --> 00:08:30,500 B: monat 1829 00:08:29,560 --> 00:08:29,920 B: MONAT1* 1830 00:08:30,040 --> 00:08:30,500 B: BEZAHLEN1* 1831 00:08:30,660 --> 00:08:33,560 B: The advantage is that you receive unemployment benefits once the self-employment does not work out. 1832 00:08:30,660 --> 00:08:30,680 B: $INDEX1 1833 00:08:30,840 --> 00:08:31,120 B: selbstst{ändig} 1834 00:08:30,840 --> 00:08:30,920 B: SELBST1A* 1835 00:08:30,980 --> 00:08:31,120 B: STEHEN1 1836 00:08:31,360 --> 00:08:31,560 B: AUFWÄRTS1B^ 1837 00:08:31,720 --> 00:08:31,900 B: SCHAFFEN1A 1838 00:08:31,720 --> 00:08:31,900 B: schaffen 1839 00:08:32,020 --> 00:08:32,240 B: NICHT3A 1840 00:08:32,540 --> 00:08:33,160 B: arbeitslos 1841 00:08:32,540 --> 00:08:32,620 B: ARBEITEN2* 1842 00:08:32,700 --> 00:08:32,780 B: $WORTTEIL-LOS1 1843 00:08:32,980 --> 00:08:33,160 B: BEZAHLEN3^* 1844 00:08:33,380 --> 00:08:33,480 B: VORTEIL1 1845 00:08:33,380 --> 00:08:33,480 B: [MG] 1846 00:08:33,560 --> 00:08:36,200 B: If my self-employment does not work out then I won't get any money. 1847 00:08:33,580 --> 00:08:33,640 B: ICH1 1848 00:08:33,820 --> 00:08:33,860 B: WENN1 1849 00:08:33,820 --> 00:08:33,860 B: wenn 1850 00:08:33,960 --> 00:08:34,000 B: ICH1 1851 00:08:34,240 --> 00:08:34,520 B: selbst{ständig} 1852 00:08:34,240 --> 00:08:34,380 B: SELBST1A* 1853 00:08:34,420 --> 00:08:34,520 B: STEHEN1 1854 00:08:34,660 --> 00:08:34,820 B: SCHAFFEN1A* 1855 00:08:34,660 --> 00:08:34,820 B: schaffen 1856 00:08:34,960 --> 00:08:35,020 B: NICHT3A* 1857 00:08:35,120 --> 00:08:35,180 B: DANN1A* 1858 00:08:35,120 --> 00:08:35,180 B: dann 1859 00:08:35,280 --> 00:08:35,340 B: $GEST-OFF^ 1860 00:08:35,580 --> 00:08:35,840 B: NEIN3B^* 1861 00:08:35,580 --> 00:08:35,840 B: auch nicht 1862 00:08:36,000 --> 00:08:36,160 B: $GEST-OFF^ 1863 00:08:36,200 --> 00:08:38,820 B: I won't receive any benefits and that is a huge risk. 1864 00:08:36,380 --> 00:08:36,540 B: BEZAHLEN3^* 1865 00:08:36,760 --> 00:08:37,220 B: NULL2A 1866 00:08:36,760 --> 00:08:37,220 B: null 1867 00:08:37,020 --> 00:08:37,820 A: True. 1868 00:08:37,260 --> 00:08:37,560 A: ||STIMMT1A* 1869 00:08:37,260 --> 00:08:37,560 A: [MG] 1870 00:08:37,360 --> 00:08:37,560 B: SEHR-VIEL2* 1871 00:08:37,360 --> 00:08:37,560 B: [MG] 1872 00:08:37,820 --> 00:08:37,960 B: RISIKO1 1873 00:08:38,180 --> 00:08:38,280 B: $GEST-OFF^ 1874 00:08:38,820 --> 00:08:39,580 A: Ok. 1875 00:08:38,900 --> 00:08:39,180 A: ||OKAY1* 1876 00:08:38,900 --> 00:08:39,180 A: okay 1877 00:08:41,440 --> 00:08:45,780 B: I have my old pension fund from back in the day when I used to work as a dental technician five years ago. 1878 00:08:41,780 --> 00:08:41,800 B: $INDEX1* 1879 00:08:42,040 --> 00:08:42,700 B: rentenversicherung 1880 00:08:42,040 --> 00:08:42,120 B: RENTE1* 1881 00:08:42,340 --> 00:08:42,700 B: VERSICHERUNG2* 1882 00:08:42,880 --> 00:08:42,980 B: HINEINSTECKEN3^* 1883 00:08:43,160 --> 00:08:43,480 B: FRÜHER1 1884 00:08:43,580 --> 00:08:43,620 B: ICH2 1885 00:08:43,740 --> 00:08:44,320 B: zahntechnik 1886 00:08:43,740 --> 00:08:43,840 B: ZAHN2* 1887 00:08:43,980 --> 00:08:44,320 B: TECHNIK1 1888 00:08:44,480 --> 00:08:44,660 B: $NUM-TEEN2A:5 1889 00:08:44,480 --> 00:08:44,660 B: vor fünf 1890 00:08:44,820 --> 00:08:45,460 B: jahr 1891 00:08:44,820 --> 00:08:45,020 B: JAHR2A 1892 00:08:45,140 --> 00:08:45,460 B: VERGANGENHEIT1^* 1893 00:08:45,460 --> 00:08:45,740 B: BIS-JETZT3B 1894 00:08:45,780 --> 00:08:47,080 B: I have that but it is a very small insurance. 1895 00:08:45,840 --> 00:08:45,940 B: SCHON1B* 1896 00:08:45,840 --> 00:08:45,940 B: schon 1897 00:08:46,060 --> 00:08:46,180 B: DA1* 1898 00:08:46,060 --> 00:08:46,180 B: da 1899 00:08:46,300 --> 00:08:46,480 B: MASS-VERTIKAL-KLEINER2^ 1900 00:08:46,300 --> 00:08:46,480 B: [MG] 1901 00:08:46,740 --> 00:08:47,080 B: SO1* 1902 00:08:47,080 --> 00:08:48,320 B: Oh well, that is just the way it is. 1903 00:08:47,080 --> 00:08:47,400 B: $GEST-OFF^* 1904 00:08:47,080 --> 00:08:47,400 B: [MG] 1905 00:08:47,600 --> 00:08:47,780 B: $GEST-OFF^ 1906 00:08:48,320 --> 00:08:57,040 A: Deaf people, people in a wheelchair or blind people have an advantage concerning the insurances because they have to contribute a lower payment off their wages. 1907 00:08:48,620 --> 00:08:48,680 A: ||ACHTUNG1A^* 1908 00:08:49,020 --> 00:08:49,260 A: ||TAUB-GEHÖRLOS1A 1909 00:08:49,880 --> 00:08:49,980 A: ||ODER4B* 1910 00:08:49,880 --> 00:08:49,980 A: oder 1911 00:08:50,080 --> 00:08:50,220 A: ||ROLLSTUHL2B* 1912 00:08:50,080 --> 00:08:50,220 A: rollstuhl 1913 00:08:50,500 --> 00:08:50,600 A: ||BLIND1B 1914 00:08:50,500 --> 00:08:50,600 A: blind 1915 00:08:51,500 --> 00:08:51,780 A: ||VERSICHERUNG1* 1916 00:08:51,500 --> 00:08:51,780 A: versicherung 1917 00:08:51,980 --> 00:08:52,100 A: ||GUT1 1918 00:08:51,980 --> 00:08:52,100 A: gut 1919 00:08:52,680 --> 00:08:52,920 A: ||BEDEUTUNG1 1920 00:08:52,680 --> 00:08:52,920 A: bedeutet 1921 00:08:53,460 --> 00:08:53,700 A: ||LOHN1 1922 00:08:53,460 --> 00:08:53,700 A: lohn 1923 00:08:54,040 --> 00:08:54,140 A: ||STARK2B* 1924 00:08:54,040 --> 00:08:54,140 A: stark 1925 00:08:54,440 --> 00:08:54,740 A: ||ABZIEHEN2A* 1926 00:08:54,440 --> 00:08:54,740 A: [MG] 1927 00:08:54,940 --> 00:08:55,180 A: ||NEIN1A* 1928 00:08:55,460 --> 00:08:55,580 A: ||WENIG4* 1929 00:08:55,460 --> 00:08:55,580 A: [MG] 1930 00:08:55,760 --> 00:08:56,060 A: ||ABZIEHEN2A* 1931 00:08:55,760 --> 00:08:56,060 A: [MG] 1932 00:08:56,680 --> 00:08:56,900 A: ||$GEST-OFF^* 1933 00:08:57,040 --> 00:08:59,740 A: The deductions are smaller and well/ 1934 00:08:57,380 --> 00:08:57,660 A: ||AB3B^* 1935 00:08:57,380 --> 00:08:57,660 A: abschlag 1936 00:08:57,980 --> 00:08:58,180 A: ||WENIGER-WERDEN3A* 1937 00:08:57,980 --> 00:08:58,180 A: weniger 1938 00:08:58,820 --> 00:08:59,020 A: ||UND2A* 1939 00:08:58,820 --> 00:08:59,020 A: und 1940 00:08:59,100 --> 00:08:59,440 A: $GEST-OFF^* 1941 00:08:59,100 --> 00:08:59,440 A: [MG] 1942 00:08:59,740 --> 00:09:00,520 A: Yes, right/ 1943 00:09:00,160 --> 00:09:00,180 A: ||$INDEX1* 1944 00:09:00,360 --> 00:09:00,400 A: ||GUT1* 1945 00:09:00,520 --> 00:09:05,800 A: It is also understood that deaf people and people with disabilities face more barriers which lead to higher expenses in the end. 1946 00:09:00,560 --> 00:09:00,700 A: ||$GEST-OFF^* 1947 00:09:00,560 --> 00:09:00,700 A: aber 1948 00:09:00,800 --> 00:09:01,000 A: ||KLAR1B* 1949 00:09:00,800 --> 00:09:01,000 A: klar 1950 00:09:01,420 --> 00:09:01,740 A: ||TAUB-GEHÖRLOS1A 1951 00:09:02,020 --> 00:09:02,080 A: ||$INDEX1* 1952 00:09:02,020 --> 00:09:02,080 A: oder 1953 00:09:02,300 --> 00:09:02,680 A: ||BEHINDERUNG1 1954 00:09:02,300 --> 00:09:02,680 A: behindert 1955 00:09:03,100 --> 00:09:03,460 A: ||BARRIERE1* 1956 00:09:03,100 --> 00:09:03,460 A: [MG] 1957 00:09:03,620 --> 00:09:03,720 A: ||DA1 1958 00:09:03,620 --> 00:09:03,720 A: da 1959 00:09:03,840 --> 00:09:03,860 A: ||$GEST-OFF^* 1960 00:09:03,840 --> 00:09:03,860 A: [MG] 1961 00:09:04,120 --> 00:09:08,700 B: I already went to a consultation talk with the RV [insurance company] last September. 1962 00:09:04,380 --> 00:09:04,400 A: ||ACHTUNG1A^* 1963 00:09:04,580 --> 00:09:04,900 A: ||AUSGEBEN2 1964 00:09:04,580 --> 00:09:04,900 A: ausgeben 1965 00:09:04,580 --> 00:09:04,620 B: ICH1* 1966 00:09:04,980 --> 00:09:05,140 A: ||MEHR1 1967 00:09:04,980 --> 00:09:05,140 A: mehr 1968 00:09:05,080 --> 00:09:05,320 B: SCHON1B 1969 00:09:05,080 --> 00:09:05,320 B: schon 1970 00:09:05,380 --> 00:09:05,420 A: ||$GEST-OFF^* 1971 00:09:05,520 --> 00:09:05,720 B: $ALPHA1:RV 1972 00:09:05,520 --> 00:09:05,720 B: r-v 1973 00:09:05,940 --> 00:09:05,960 B: ICH1 1974 00:09:06,080 --> 00:09:06,840 B: EBEN-ZEIT1^ 1975 00:09:06,080 --> 00:09:06,840 B: [MG] 1976 00:09:06,980 --> 00:09:07,180 B: $GEST-OFF^* 1977 00:09:07,480 --> 00:09:07,700 B: SEPTEMBER2A 1978 00:09:07,480 --> 00:09:07,700 B: september 1979 00:09:07,840 --> 00:09:07,940 B: VOR2* 1980 00:09:07,840 --> 00:09:07,940 B: vor 1981 00:09:08,120 --> 00:09:08,360 B: BESUCHEN1A* 1982 00:09:08,600 --> 00:09:08,700 B: HANDLUNG3^ 1983 00:09:08,700 --> 00:09:10,460 B: I wanted to know what it was like since I didn't have an insurance for a long time. 1984 00:09:08,820 --> 00:09:08,920 B: GRUND4B 1985 00:09:08,820 --> 00:09:08,920 B: grund 1986 00:09:09,160 --> 00:09:09,200 B: ICH1* 1987 00:09:09,460 --> 00:09:09,840 B: VOR1D^ 1988 00:09:09,900 --> 00:09:09,960 B: ICH1 1989 00:09:10,040 --> 00:09:10,160 B: FEHLEN1A 1990 00:09:10,040 --> 00:09:10,160 B: fehlen 1991 00:09:10,340 --> 00:09:10,460 B: $GEST-OFF^ 1992 00:09:10,340 --> 00:09:10,460 B: [MG] 1993 00:09:10,460 --> 00:09:11,740 B: They told me that a supplementary payment would be possible. 1994 00:09:10,680 --> 00:09:10,700 B: SAGEN1* 1995 00:09:10,680 --> 00:09:10,700 B: sagen 1996 00:09:10,840 --> 00:09:11,260 B: nachzahlen 1997 00:09:10,840 --> 00:09:10,960 B: NACH1 1998 00:09:11,140 --> 00:09:11,260 B: BEZAHLEN1 1999 00:09:11,480 --> 00:09:11,720 B: MÖGLICH1B 2000 00:09:11,480 --> 00:09:11,720 B: möglich 2001 00:09:11,740 --> 00:09:15,200 B: They would have to calculate the supplementary payment and then I could pay that. 2002 00:09:11,780 --> 00:09:11,960 B: $ORAL^ 2003 00:09:11,780 --> 00:09:11,960 B: muss 2004 00:09:12,080 --> 00:09:12,240 B: RECHNEN1* 2005 00:09:12,380 --> 00:09:12,500 B: WIE-VIEL5 2006 00:09:12,380 --> 00:09:12,500 B: wie viel 2007 00:09:12,860 --> 00:09:13,120 B: MUSS1A^* 2008 00:09:13,280 --> 00:09:13,420 B: BEZAHLEN5* 2009 00:09:13,540 --> 00:09:13,600 B: ICH1 2010 00:09:13,700 --> 00:09:13,740 B: GELD1A^ 2011 00:09:13,880 --> 00:09:13,900 B: ICH1 2012 00:09:14,060 --> 00:09:15,100 B: nachzahlen 2013 00:09:14,060 --> 00:09:14,200 B: NACH1 2014 00:09:14,380 --> 00:09:15,100 B: BEZAHLEN1* 2015 00:09:15,200 --> 00:09:17,820 B: Then, I would be insured again, if that's what I wanted. 2016 00:09:15,260 --> 00:09:15,320 B: DANN1C* 2017 00:09:15,260 --> 00:09:15,320 B: dann 2018 00:09:15,500 --> 00:09:15,680 B: LOS-START1* 2019 00:09:15,500 --> 00:09:15,680 B: wieder los 2020 00:09:15,920 --> 00:09:16,220 B: PHASE1B^ 2021 00:09:16,380 --> 00:09:16,440 B: WENN1 2022 00:09:16,380 --> 00:09:16,440 B: wenn 2023 00:09:16,740 --> 00:09:17,360 B: wünschen 2024 00:09:16,740 --> 00:09:16,860 B: WÜNSCHEN1B 2025 00:09:16,940 --> 00:09:17,040 B: ICH1 2026 00:09:17,180 --> 00:09:17,360 B: $GEST-OFF^ 2027 00:09:17,820 --> 00:09:18,780 B: Oh well, I am still thinking about it. 2028 00:09:18,340 --> 00:09:18,500 B: ÜBERLEGEN1* 2029 00:09:18,340 --> 00:09:18,500 B: überlegen 2030 00:09:18,620 --> 00:09:18,780 B: $GEST-ABWINKEN1^* 2031 00:09:18,780 --> 00:09:20,460 B: We'll see. 2032 00:09:19,540 --> 00:09:20,020 B: abwarten 2033 00:09:19,540 --> 00:09:19,800 B: WARTEN2 2034 00:09:19,920 --> 00:09:20,020 B: $GEST^ 2035 00:09:20,820 --> 00:09:22,040 A: Good luck! 2036 00:09:21,440 --> 00:09:21,500 A: HOFFEN3^* 2037 00:09:22,040 --> 00:09:25,860 B: Or I could save the money and if I don't need it, I could give it to my children. 2038 00:09:22,320 --> 00:09:22,340 B: ODER1* 2039 00:09:22,320 --> 00:09:22,340 B: oder 2040 00:09:22,440 --> 00:09:22,460 B: ICH2 2041 00:09:22,640 --> 00:09:23,420 B: AB1A^* 2042 00:09:22,640 --> 00:09:23,420 B: aufheben 2043 00:09:23,420 --> 00:09:24,140 B: $GEST-NM-KOPFSCHÜTTELN1^ 2044 00:09:24,240 --> 00:09:25,100 B: kinder 2045 00:09:24,240 --> 00:09:24,440 B: KIND2* 2046 00:09:24,680 --> 00:09:25,100 B: GEBEN-STAPEL2^* 2047 00:09:25,860 --> 00:09:26,780 A: Yes. 2048 00:09:26,100 --> 00:09:26,380 A: ||JA1A* 2049 00:09:26,200 --> 00:09:29,660 B: I don't know if I live to be 100 and have to face the situation of running out of money. 2050 00:09:26,580 --> 00:09:26,660 B: WISSEN2A* 2051 00:09:26,580 --> 00:09:26,660 B: weiß 2052 00:09:26,760 --> 00:09:26,780 B: ICH1 2053 00:09:27,120 --> 00:09:27,280 B: LEBEN1A* 2054 00:09:27,120 --> 00:09:27,280 B: leben 2055 00:09:27,380 --> 00:09:27,400 B: ICH1* 2056 00:09:27,520 --> 00:09:27,620 B: LANG-ZEIT4C^* 2057 00:09:27,860 --> 00:09:27,900 B: BIS1* 2058 00:09:27,860 --> 00:09:27,900 B: bis 2059 00:09:28,120 --> 00:09:28,300 B: $NUM-HUNDERTER1:1 2060 00:09:28,120 --> 00:09:28,300 B: hundert 2061 00:09:28,540 --> 00:09:28,620 B: ALT5A 2062 00:09:28,540 --> 00:09:28,620 B: alt 2063 00:09:28,700 --> 00:09:28,720 B: ICH2 2064 00:09:28,860 --> 00:09:29,080 B: $GEST-OFF^ 2065 00:09:28,860 --> 00:09:29,080 B: [MG] 2066 00:09:29,260 --> 00:09:29,280 B: GELD1A* 2067 00:09:29,260 --> 00:09:29,280 B: geld 2068 00:09:29,440 --> 00:09:29,660 B: ALLE-LEER3 2069 00:09:29,440 --> 00:09:29,660 B: alle 2070 00:09:29,660 --> 00:09:30,700 B: And if I run out of money, where would I get if from? 2071 00:09:29,780 --> 00:09:29,960 B: UND-DANN1 2072 00:09:29,780 --> 00:09:29,960 B: und dann 2073 00:09:29,960 --> 00:09:30,020 B: $GEST-OFF^* 2074 00:09:30,020 --> 00:09:30,120 B: ICH2* 2075 00:09:30,320 --> 00:09:30,640 B: HILFLOS2* 2076 00:09:30,320 --> 00:09:30,640 B: [MG] 2077 00:09:30,700 --> 00:09:32,340 B: I would have to live on the streets. 2078 00:09:30,800 --> 00:09:30,840 B: MUSS1A* 2079 00:09:30,800 --> 00:09:30,840 B: muss 2080 00:09:31,080 --> 00:09:31,320 B: auf straße 2081 00:09:31,080 --> 00:09:31,160 B: STRASSE1 2082 00:09:31,280 --> 00:09:31,320 B: ICH1 2083 00:09:31,480 --> 00:09:31,580 B: $INDEX1* 2084 00:09:31,900 --> 00:09:32,020 B: WOHNUNG1A* 2085 00:09:31,900 --> 00:09:32,020 B: wohnen 2086 00:09:32,280 --> 00:09:32,300 B: $INDEX1* 2087 00:09:32,340 --> 00:09:33,860 B: I couldn't do that. 2088 00:09:32,460 --> 00:09:32,480 B: ICH2* 2089 00:09:32,680 --> 00:09:32,800 B: $GEST-OFF^* 2090 00:09:33,000 --> 00:09:33,260 B: KANN1* 2091 00:09:33,380 --> 00:09:33,540 B: NICHT3B* 2092 00:09:34,400 --> 00:09:35,160 A: Hm, yes. 2093 00:09:34,660 --> 00:09:34,840 A: ||JA1A* 2094 00:09:34,660 --> 00:09:34,840 A: [MG] 2095 00:09:35,160 --> 00:09:35,780 B: Exactly. 2096 00:09:35,160 --> 00:09:35,400 B: ||$GEST-OFF^* 2097 00:09:35,160 --> 00:09:35,400 B: eben 2098 00:09:36,120 --> 00:09:40,040 A: Back in the day, their six children would be the pension scheme for the parents. 2099 00:09:36,460 --> 00:09:36,720 A: ||FRÜHER1 2100 00:09:36,460 --> 00:09:36,720 A: früher 2101 00:09:36,840 --> 00:09:37,320 A: ||KIND2* 2102 00:09:36,840 --> 00:09:37,320 A: kinder 2103 00:09:37,640 --> 00:09:37,660 A: ||$NUM-EINER1A:6d 2104 00:09:37,640 --> 00:09:37,660 A: sechs 2105 00:09:37,760 --> 00:09:38,020 A: ||KIND2* 2106 00:09:37,760 --> 00:09:38,020 A: kinder 2107 00:09:38,440 --> 00:09:39,340 A: altersversorgung 2108 00:09:38,440 --> 00:09:38,600 A: ||ALT5A 2109 00:09:38,840 --> 00:09:39,340 A: ||BEZAHLEN2* 2110 00:09:39,540 --> 00:09:39,620 A: ||FÜR1 2111 00:09:39,540 --> 00:09:39,620 A: für 2112 00:09:39,800 --> 00:09:39,940 A: ELTERN1A 2113 00:09:39,800 --> 00:09:39,940 A: eltern 2114 00:09:40,040 --> 00:09:40,700 A: That's a thing of the past. 2115 00:09:40,240 --> 00:09:40,380 A: ||HEUTE1 2116 00:09:40,240 --> 00:09:40,380 A: heute 2117 00:09:40,520 --> 00:09:40,680 A: ||NICHT-MEHR1B 2118 00:09:40,520 --> 00:09:40,680 A: nicht mehr 2119 00:09:40,700 --> 00:09:43,380 A: That changed completely. Nowadays you have to finance yourself and save up the money. 2120 00:09:40,860 --> 00:09:41,180 A: ||UMGEKEHRT1^* 2121 00:09:41,420 --> 00:09:42,720 A: eigenfinanzierung 2122 00:09:41,420 --> 00:09:41,740 A: ||EIGEN1C* 2123 00:09:42,000 --> 00:09:42,720 A: ||FINANZIERUNG1* 2124 00:09:42,940 --> 00:09:43,380 A: ||SPAREN2 2125 00:09:42,940 --> 00:09:43,380 A: sp{aren} 2126 00:09:43,380 --> 00:09:46,620 A: There are others who have to go to a nursing home once they are old and frail. 2127 00:09:43,640 --> 00:09:43,900 A: ||$INDEX1* 2128 00:09:44,240 --> 00:09:44,400 A: ||PLÖTZLICH4* 2129 00:09:44,240 --> 00:09:44,400 A: [MG] 2130 00:09:44,720 --> 00:09:44,860 A: $PROD* 2131 00:09:44,720 --> 00:09:44,860 A: [MG] 2132 00:09:45,000 --> 00:09:45,040 A: ||$GEST-OFF^* 2133 00:09:45,380 --> 00:09:45,900 A: ||PFLEGE1 2134 00:09:45,380 --> 00:09:45,900 A: pflege 2135 00:09:46,060 --> 00:09:46,160 A: ||$GEST-OFF^* 2136 00:09:46,620 --> 00:09:47,580 A: If you are able to pay for it. 2137 00:09:46,860 --> 00:09:47,220 A: ||BEZAHLEN1* 2138 00:09:46,860 --> 00:09:47,220 A: [MG] 2139 00:09:47,360 --> 00:09:47,480 A: ||KANN1 2140 00:09:47,580 --> 00:09:53,420 A: There are a lot more people in need of nursing because there are more and more elderly people. It gets more and more expensive as well. 2141 00:09:47,580 --> 00:09:47,640 A: $ORAL^ 2142 00:09:47,580 --> 00:09:47,640 A: aber 2143 00:09:47,800 --> 00:09:47,960 A: ||HEUTE1 2144 00:09:47,800 --> 00:09:47,960 A: heute 2145 00:09:48,200 --> 00:09:48,460 A: PFLEGE1 2146 00:09:48,200 --> 00:09:48,460 A: pflege 2147 00:09:48,580 --> 00:09:48,940 A: MEHR3* 2148 00:09:48,580 --> 00:09:48,940 A: mehr 2149 00:09:49,800 --> 00:09:50,020 A: $ORAL^ 2150 00:09:49,800 --> 00:09:50,020 A: noch mehr 2151 00:09:50,180 --> 00:09:50,240 A: ||ALT5A* 2152 00:09:50,180 --> 00:09:50,240 A: alt 2153 00:09:50,460 --> 00:09:50,720 A: ||MENSCH2* 2154 00:09:50,460 --> 00:09:50,720 A: menschen 2155 00:09:50,900 --> 00:09:51,600 A: ||MASS7A^* 2156 00:09:50,900 --> 00:09:51,600 A: älter 2157 00:09:51,860 --> 00:09:52,040 A: ||MEHR1 2158 00:09:51,860 --> 00:09:52,040 A: immer mehr 2159 00:09:52,180 --> 00:09:52,240 A: ||$INDEX1* 2160 00:09:52,220 --> 00:09:52,860 B: That's right. 2161 00:09:52,240 --> 00:09:52,580 B: $ORAL^ 2162 00:09:52,240 --> 00:09:52,580 B: stimmt 2163 00:09:52,380 --> 00:09:53,020 A: teuer 2164 00:09:52,380 --> 00:09:52,700 A: ||TEUER1 2165 00:09:52,700 --> 00:09:52,900 A: ||BEZAHLEN7* 2166 00:09:52,860 --> 00:09:54,160 B: They live longer nowadays. 2167 00:09:52,900 --> 00:09:53,020 A: ||MEHR1^ 2168 00:09:53,280 --> 00:09:53,800 B: LANG-ZEIT4A* 2169 00:09:53,280 --> 00:09:53,800 B: lang lang lang 2170 00:09:53,420 --> 00:09:54,180 A: Yes, exactly. 2171 00:09:53,580 --> 00:09:53,960 A: ||$GEST^ 2172 00:09:53,580 --> 00:09:53,960 A: [MG] 2173 00:09:54,180 --> 00:09:55,580 B: That's right. 2174 00:09:54,980 --> 00:09:55,060 B: ||STIMMT1A* 2175 00:09:54,980 --> 00:09:55,060 B: stimmt 2176 00:09:55,580 --> 00:10:03,800 C: What did you two do to cover your pension plan? 2177 00:10:03,140 --> 00:10:06,080 B: Nothing. All I have is in my savings account. 2178 00:10:03,420 --> 00:10:03,640 B: $GEST-OFF^* 2179 00:10:03,420 --> 00:10:03,640 B: [MG] 2180 00:10:03,800 --> 00:10:07,760 C: Nothing at all? Or is it indifferent to you until you actually retire? 2181 00:10:03,960 --> 00:10:04,020 B: MUSS1A^ 2182 00:10:04,180 --> 00:10:04,880 B: sparbuch 2183 00:10:04,180 --> 00:10:04,320 B: SPAREN2* 2184 00:10:04,520 --> 00:10:04,880 B: BUCH1B 2185 00:10:05,120 --> 00:10:05,460 B: SPAREN2* 2186 00:10:05,460 --> 00:10:05,740 B: ||$GEST-OFF^* 2187 00:10:06,460 --> 00:10:08,340 B: I have everything in my savings account. 2188 00:10:06,840 --> 00:10:07,600 B: sparbuch 2189 00:10:06,840 --> 00:10:06,920 B: SPAREN2* 2190 00:10:07,040 --> 00:10:07,140 B: BUCH1B* 2191 00:10:07,140 --> 00:10:10,840 A: I saved up some money and put it aside. 2192 00:10:07,380 --> 00:10:07,600 B: WERFEN1^* 2193 00:10:07,720 --> 00:10:10,220 A: sparen sparen sparen 2194 00:10:07,720 --> 00:10:07,740 A: ||GEBEN-GELD2A^* 2195 00:10:07,760 --> 00:10:13,540 C: Yes, where did you invest your savings? 2196 00:10:07,880 --> 00:10:08,600 A: ||SPAREN2 2197 00:10:08,820 --> 00:10:10,220 A: ||GEBEN-GELD2A^* 2198 00:10:10,840 --> 00:10:12,780 A: In my savings account. 2199 00:10:11,220 --> 00:10:12,260 A: sparbuch 2200 00:10:11,220 --> 00:10:11,480 A: AUFKLAPPEN-BUCH1^ 2201 00:10:11,720 --> 00:10:12,260 A: ||GEBEN-GELD2A^* 2202 00:10:12,780 --> 00:10:16,300 B: I invested it in a savings bond. 2203 00:10:13,500 --> 00:10:13,540 B: $INDEX1* 2204 00:10:13,500 --> 00:10:13,540 B: wie 2205 00:10:13,540 --> 00:10:15,760 C: Right, right. 2206 00:10:13,960 --> 00:10:14,620 B: sparbrief 2207 00:10:13,960 --> 00:10:14,120 B: SPAREN2* 2208 00:10:14,380 --> 00:10:14,620 B: BRIEF1A 2209 00:10:14,960 --> 00:10:15,500 B: WERFEN1^* 2210 00:10:15,680 --> 00:10:15,760 B: ||$GEST-OFF^* 2211 00:10:15,680 --> 00:10:15,760 B: [MG] 2212 00:10:16,300 --> 00:10:22,580 C: Do you two have a Riester retirement plan? 2213 00:10:18,780 --> 00:10:20,500 B: No, I don't. 2214 00:10:19,140 --> 00:10:20,020 B: ||KEIN8* 2215 00:10:19,140 --> 00:10:20,020 B: [MG] 2216 00:10:20,500 --> 00:10:21,640 B: No, I don't have it. 2217 00:10:20,820 --> 00:10:21,100 B: KEIN8* 2218 00:10:21,820 --> 00:10:23,500 A: No, I don't have one. 2219 00:10:22,260 --> 00:10:22,480 A: ||KEIN1 2220 00:10:22,260 --> 00:10:22,480 A: keine 2221 00:10:22,580 --> 00:10:26,840 C: Do you have other options? How are you benefitting from them? 2222 00:10:22,660 --> 00:10:22,760 A: ||ICH1* 2223 00:10:22,900 --> 00:10:23,200 A: ||KEIN1* 2224 00:10:23,500 --> 00:10:24,820 A: Right, right. 2225 00:10:23,680 --> 00:10:24,400 A: ||STIMMT1A* 2226 00:10:23,680 --> 00:10:24,400 A: stimmt 2227 00:10:24,680 --> 00:10:24,700 A: ||$INDEX1* 2228 00:10:24,820 --> 00:10:30,460 A: They offer something called ‘future insurance’ at the company I work for. 2229 00:10:25,080 --> 00:10:25,120 A: ||ICH1^ 2230 00:10:25,440 --> 00:10:26,040 A: ||FIRMA1A 2231 00:10:25,440 --> 00:10:26,040 A: firma 2232 00:10:26,300 --> 00:10:26,580 A: ||DA1 2233 00:10:26,300 --> 00:10:26,580 A: da 2234 00:10:26,840 --> 00:10:27,260 A: ||NAME1A 2235 00:10:26,840 --> 00:10:27,260 A: name 2236 00:10:28,600 --> 00:10:29,700 A: zukunftsversicherung 2237 00:10:28,600 --> 00:10:29,040 A: ||ZUKUNFT2* 2238 00:10:29,300 --> 00:10:29,700 A: ||VERSICHERUNG1 2239 00:10:30,460 --> 00:10:30,980 B: No. 2240 00:10:30,640 --> 00:10:30,980 B: $GEST-NM-KOPFSCHÜTTELN1^* 2241 00:10:30,640 --> 00:10:30,980 B: [MG] 2242 00:10:30,980 --> 00:10:39,400 B: I've heard of an affected person who retired at the age of 60 or 65, well, with 65 years. 2243 00:10:31,460 --> 00:10:31,580 B: AUCH3A* 2244 00:10:31,460 --> 00:10:31,580 B: auch 2245 00:10:31,680 --> 00:10:31,720 B: ICH1 2246 00:10:32,100 --> 00:10:32,680 B: betroffen 2247 00:10:32,100 --> 00:10:32,240 B: BETROFFEN2* 2248 00:10:32,440 --> 00:10:32,680 B: PERSON1^* 2249 00:10:32,860 --> 00:10:33,320 B: $INDEX1 2250 00:10:33,420 --> 00:10:33,540 B: SELBST1A* 2251 00:10:33,420 --> 00:10:33,540 B: selbst 2252 00:10:33,760 --> 00:10:33,940 B: VERGANGENHEIT1^ 2253 00:10:34,200 --> 00:10:34,540 B: GESCHICHTE1B* 2254 00:10:34,720 --> 00:10:34,780 B: $INDEX1* 2255 00:10:35,160 --> 00:10:35,320 B: FRÜHER1* 2256 00:10:35,160 --> 00:10:35,320 B: früher 2257 00:10:35,760 --> 00:10:36,080 B: $NUM-ZEHNER2A:6d* 2258 00:10:35,760 --> 00:10:36,080 B: s{echzig} 2259 00:10:36,240 --> 00:10:36,380 B: $NUM-ZEHNER2A:6d* 2260 00:10:36,240 --> 00:10:36,380 B: sechzig 2261 00:10:36,540 --> 00:10:36,920 B: fünfundsechzig 2262 00:10:36,540 --> 00:10:36,600 B: $NUM-EINER1A:5* 2263 00:10:36,760 --> 00:10:36,920 B: $NUM-ZEHNER2A:6d* 2264 00:10:37,100 --> 00:10:37,180 B: ALT5B* 2265 00:10:37,100 --> 00:10:37,180 B: jahre alt 2266 00:10:37,380 --> 00:10:37,460 B: MANN1 2267 00:10:37,380 --> 00:10:37,460 B: mann 2268 00:10:37,620 --> 00:10:37,660 B: SELBST1A* 2269 00:10:37,820 --> 00:10:38,120 B: fünfundsechzig 2270 00:10:37,820 --> 00:10:37,880 B: $NUM-EINER1A:5* 2271 00:10:38,000 --> 00:10:38,120 B: $NUM-ZEHNER2A:6d* 2272 00:10:38,260 --> 00:10:38,320 B: ALT5A 2273 00:10:38,260 --> 00:10:38,320 B: jahre alt 2274 00:10:38,660 --> 00:10:39,300 B: RENTE1* 2275 00:10:38,660 --> 00:10:39,300 B: rente 2276 00:10:39,400 --> 00:10:46,820 B: He added a voluntary additional pension plan of a five year length to his regular retirement payments. 2277 00:10:39,520 --> 00:10:39,700 B: DANN1A* 2278 00:10:39,520 --> 00:10:39,700 B: dann 2279 00:10:39,920 --> 00:10:40,220 B: IRGENDWANN1^* 2280 00:10:40,400 --> 00:10:40,420 B: $INDEX1* 2281 00:10:40,600 --> 00:10:41,040 B: FREIWILLIG4* 2282 00:10:40,600 --> 00:10:41,040 B: freiwillig 2283 00:10:41,140 --> 00:10:41,180 B: $INDEX1* 2284 00:10:41,300 --> 00:10:41,540 B: GELD1A* 2285 00:10:41,300 --> 00:10:41,540 B: geld 2286 00:10:41,540 --> 00:10:42,140 B: normal 2287 00:10:41,540 --> 00:10:41,760 B: ||MASS-VERTIKAL1^ 2288 00:10:41,760 --> 00:10:41,840 B: NORMAL1* 2289 00:10:41,980 --> 00:10:42,140 B: GEHÖREN1^* 2290 00:10:42,600 --> 00:10:43,000 B: staat 2291 00:10:42,600 --> 00:10:42,720 B: STAAT1A* 2292 00:10:42,940 --> 00:10:43,000 B: ZUSAMMENHANG1A^ 2293 00:10:43,140 --> 00:10:43,240 B: GEHÖREN1^* 2294 00:10:43,380 --> 00:10:43,500 B: NORMAL1* 2295 00:10:43,380 --> 00:10:43,500 B: normal 2296 00:10:43,680 --> 00:10:43,980 B: DANN1A 2297 00:10:44,160 --> 00:10:44,320 B: RENTE1* 2298 00:10:44,160 --> 00:10:44,320 B: rente 2299 00:10:44,520 --> 00:10:44,920 B: FREIWILLIG1 2300 00:10:44,520 --> 00:10:44,920 B: freiwillig 2301 00:10:45,200 --> 00:10:45,920 B: zusatz 2302 00:10:45,200 --> 00:10:45,380 B: ZUSÄTZLICH1* 2303 00:10:45,580 --> 00:10:45,920 B: UPDATE1B^ 2304 00:10:46,240 --> 00:10:46,780 B: JAHR1B* 2305 00:10:46,240 --> 00:10:46,780 B: fünf jahre 2306 00:10:46,820 --> 00:10:50,500 B: He was able to work a little on the side because he was still very agile. 2307 00:10:46,940 --> 00:10:47,000 B: ABER1* 2308 00:10:46,940 --> 00:10:47,000 B: aber 2309 00:10:47,160 --> 00:10:47,620 B: nebenjob 2310 00:10:47,160 --> 00:10:47,280 B: NEBEN1B* 2311 00:10:47,440 --> 00:10:47,620 B: JOB1A 2312 00:10:47,820 --> 00:10:47,960 B: DA1* 2313 00:10:47,820 --> 00:10:47,960 B: da 2314 00:10:48,100 --> 00:10:48,180 B: AB2^* 2315 00:10:48,220 --> 00:10:48,480 B: $ORAL^ 2316 00:10:48,220 --> 00:10:48,480 B: warum 2317 00:10:48,640 --> 00:10:48,840 B: ALT5A* 2318 00:10:49,180 --> 00:10:49,320 B: ALT5A 2319 00:10:49,180 --> 00:10:49,320 B: alt 2320 00:10:49,440 --> 00:10:49,480 B: VON-DA-AN1* 2321 00:10:49,560 --> 00:10:49,760 B: GEFÜHL4A 2322 00:10:49,560 --> 00:10:49,760 B: fühl 2323 00:10:49,860 --> 00:10:50,080 B: FEST1A^* 2324 00:10:50,240 --> 00:10:50,340 B: NOCH1A 2325 00:10:50,240 --> 00:10:50,340 B: noch 2326 00:10:50,480 --> 00:10:50,500 B: $INDEX1* 2327 00:10:50,500 --> 00:10:53,100 B: Therefore, he continued working on the side. 2328 00:10:50,580 --> 00:10:51,560 B: weiter 2329 00:10:50,580 --> 00:10:50,740 B: WEITER1B* 2330 00:10:50,860 --> 00:10:51,560 B: ARBEITEN1 2331 00:10:51,740 --> 00:10:52,300 B: nebenjob 2332 00:10:51,740 --> 00:10:51,860 B: NEBEN1B* 2333 00:10:52,000 --> 00:10:52,080 B: JOB1A* 2334 00:10:52,200 --> 00:10:52,300 B: GEHÖREN1^* 2335 00:10:52,520 --> 00:10:52,720 B: DANACH1A^* 2336 00:10:52,820 --> 00:10:52,980 B: GEWESEN1^ 2337 00:10:53,100 --> 00:10:58,180 B: After he already payed for the insurance for five years, there was a pension plan reform. 2338 00:10:53,220 --> 00:10:54,000 B: fünf jahre 2339 00:10:53,220 --> 00:10:53,380 B: JAHR1B* 2340 00:10:53,680 --> 00:10:54,000 B: UPDATE1A^* 2341 00:10:54,260 --> 00:10:54,480 B: DAZU1* 2342 00:10:54,260 --> 00:10:54,480 B: dazu 2343 00:10:54,680 --> 00:10:54,740 B: UPDATE1A^* 2344 00:10:54,920 --> 00:10:56,040 B: zusatzversicherung 2345 00:10:54,920 --> 00:10:55,180 B: ZUSÄTZLICH1* 2346 00:10:55,580 --> 00:10:55,720 B: VERSICHERUNG2* 2347 00:10:55,880 --> 00:10:56,040 B: UPDATE1B^* 2348 00:10:56,180 --> 00:10:56,420 B: DANN1A 2349 00:10:56,180 --> 00:10:56,420 B: dann 2350 00:10:56,580 --> 00:10:56,760 B: ERGEBNIS1 2351 00:10:56,580 --> 00:10:56,760 B: ergebnis 2352 00:10:56,900 --> 00:10:56,920 B: $INDEX1* 2353 00:10:57,100 --> 00:10:57,200 B: WISSEN2B^ 2354 00:10:57,480 --> 00:10:58,140 B: rent{en}reform 2355 00:10:57,480 --> 00:10:57,660 B: UM1A^* 2356 00:10:57,680 --> 00:10:57,740 B: UM2A^* 2357 00:10:57,940 --> 00:10:58,140 B: REFORM2 2358 00:10:58,180 --> 00:10:59,080 B: There were reforms and alteration in Germany. 2359 00:10:58,400 --> 00:10:58,500 B: NEU1A 2360 00:10:58,400 --> 00:10:58,500 B: neu 2361 00:10:58,660 --> 00:10:58,700 B: WISSEN2B^ 2362 00:10:58,840 --> 00:10:59,020 B: UM1A^ 2363 00:10:58,840 --> 00:10:59,020 B: [MG] 2364 00:10:59,080 --> 00:11:00,900 B: His money was gone. It just got chucked. 2365 00:10:59,240 --> 00:10:59,380 B: AB2^ 2366 00:10:59,520 --> 00:10:59,660 B: $INDEX1* 2367 00:10:59,860 --> 00:11:00,060 B: GELD1A* 2368 00:10:59,860 --> 00:11:00,060 B: geld 2369 00:11:00,460 --> 00:11:00,600 B: WERFEN1^ 2370 00:11:00,460 --> 00:11:00,600 B: schmeißen 2371 00:11:00,820 --> 00:11:00,900 B: $GEST-OFF^ 2372 00:11:00,900 --> 00:11:02,220 B: He was furious. 2373 00:11:01,400 --> 00:11:02,140 B: wut 2374 00:11:01,400 --> 00:11:01,680 B: WÜTEND1B* 2375 00:11:01,980 --> 00:11:02,140 B: NEIN3B^* 2376 00:11:02,140 --> 00:11:02,160 B: $INDEX1* 2377 00:11:02,220 --> 00:11:05,380 B: Therefore, he recommended me not to pursue something like that since I am self-employed. 2378 00:11:02,340 --> 00:11:02,480 B: DARUM1 2379 00:11:02,340 --> 00:11:02,480 B: darum 2380 00:11:02,640 --> 00:11:02,660 B: ICH1 2381 00:11:02,920 --> 00:11:02,960 B: $INDEX1* 2382 00:11:03,340 --> 00:11:03,640 B: selbstständig 2383 00:11:03,340 --> 00:11:03,380 B: SELBST1A* 2384 00:11:03,500 --> 00:11:03,640 B: STEHEN1 2385 00:11:03,800 --> 00:11:03,820 B: ICH1 2386 00:11:03,980 --> 00:11:04,000 B: $INDEX1* 2387 00:11:04,240 --> 00:11:05,180 B: empfehlen 2388 00:11:04,240 --> 00:11:04,620 B: EMPFEHLEN1A 2389 00:11:04,940 --> 00:11:05,180 B: NICHT3B 2390 00:11:05,380 --> 00:11:06,860 B: It were nonsense and a waste of money. 2391 00:11:05,640 --> 00:11:05,840 B: QUATSCH1* 2392 00:11:05,640 --> 00:11:05,840 B: quatsch 2393 00:11:06,040 --> 00:11:06,160 B: $GEST^ 2394 00:11:06,040 --> 00:11:06,160 B: viel 2395 00:11:06,260 --> 00:11:06,300 B: GELD1A* 2396 00:11:06,260 --> 00:11:06,300 B: geld 2397 00:11:06,440 --> 00:11:06,800 B: WERFEN1^ 2398 00:11:06,440 --> 00:11:06,800 B: schmeißen 2399 00:11:06,860 --> 00:11:08,560 B: I don't really know what to do and I am still unsure about what I should do. 2400 00:11:07,060 --> 00:11:07,120 B: ICH2 2401 00:11:07,320 --> 00:11:07,480 B: $GEST-OFF^* 2402 00:11:07,320 --> 00:11:07,480 B: [MG] 2403 00:11:07,500 --> 00:11:07,620 B: DURCH2A 2404 00:11:07,780 --> 00:11:08,300 B: ZWEIFEL3 2405 00:11:07,780 --> 00:11:08,300 B: [MG] 2406 00:11:08,560 --> 00:11:11,620 B: I think I have to invest my money elsewhere. 2407 00:11:08,700 --> 00:11:08,760 B: MUSS1A 2408 00:11:08,700 --> 00:11:08,760 B: muss 2409 00:11:08,940 --> 00:11:09,080 B: SELBST1A* 2410 00:11:08,940 --> 00:11:09,080 B: selbst 2411 00:11:09,280 --> 00:11:09,440 B: ANDERS1 2412 00:11:09,280 --> 00:11:09,440 B: anders 2413 00:11:09,640 --> 00:11:10,600 B: wo 2414 00:11:09,640 --> 00:11:09,680 B: WO1A 2415 00:11:09,860 --> 00:11:10,600 B: WERFEN1^* 2416 00:11:10,760 --> 00:11:11,500 A: Exactly. 2417 00:11:10,860 --> 00:11:11,100 A: ||SO1^* 2418 00:11:11,060 --> 00:11:11,300 B: $GEST-OFF^ 2419 00:11:11,060 --> 00:11:11,300 B: [MG] 2420 00:11:11,620 --> 00:11:15,980 B: Of course there is still a risk if I happen to live a long life. 2421 00:11:11,920 --> 00:11:12,040 B: $ORAL^ 2422 00:11:11,920 --> 00:11:12,040 B: aber 2423 00:11:12,180 --> 00:11:12,280 B: NUR2A* 2424 00:11:12,180 --> 00:11:12,280 B: nur 2425 00:11:12,520 --> 00:11:12,620 B: RISIKO1 2426 00:11:12,520 --> 00:11:12,620 B: risiko 2427 00:11:12,720 --> 00:11:12,820 B: WAS1A* 2428 00:11:12,720 --> 00:11:12,820 B: was 2429 00:11:12,980 --> 00:11:13,140 B: FÜR1* 2430 00:11:12,980 --> 00:11:13,140 B: für 2431 00:11:13,240 --> 00:11:13,400 B: MEIN1 2432 00:11:13,660 --> 00:11:13,680 B: LEBEN1D* 2433 00:11:13,920 --> 00:11:14,960 B: leben lang 2434 00:11:13,920 --> 00:11:13,980 B: LEBEN1C* 2435 00:11:14,060 --> 00:11:14,200 B: LANG-ZEIT4A* 2436 00:11:14,300 --> 00:11:14,460 B: LEBEN1C* 2437 00:11:14,760 --> 00:11:14,960 B: LANG-ZEIT4A* 2438 00:11:15,200 --> 00:11:15,520 B: SEHR-VIEL2* 2439 00:11:15,200 --> 00:11:15,520 B: [MG] 2440 00:11:15,560 --> 00:11:15,680 B: $INDEX1* 2441 00:11:15,980 --> 00:11:17,120 B: If I don't live long, everything works out money wise. 2442 00:11:16,320 --> 00:11:16,540 B: NAHE1^* 2443 00:11:16,320 --> 00:11:16,540 B: [MG] 2444 00:11:16,900 --> 00:11:17,080 B: STIMMT2* 2445 00:11:16,900 --> 00:11:17,080 B: stimmt 2446 00:11:17,120 --> 00:11:19,380 B: Though, nobody knows that for sure. 2447 00:11:17,300 --> 00:11:17,740 B: $GEST-OFF^ 2448 00:11:17,300 --> 00:11:17,740 B: aber 2449 00:11:18,160 --> 00:11:18,260 B: WER4^* 2450 00:11:18,160 --> 00:11:18,260 B: keiner 2451 00:11:18,580 --> 00:11:18,680 B: WISSEN2A 2452 00:11:18,580 --> 00:11:18,680 B: weiß 2453 00:11:19,700 --> 00:11:20,240 A: Exactly. 2454 00:11:19,800 --> 00:11:19,980 A: ||SO1^ 2455 00:11:20,240 --> 00:11:30,320 A: The company, well, my company, rather than giving us our Christmas bonus, invests that money in a ‘future insurance‘. 2456 00:11:20,920 --> 00:11:20,960 A: ||ICH1^ 2457 00:11:21,260 --> 00:11:22,340 A: ||FIRMA1A 2458 00:11:21,260 --> 00:11:22,340 A: firma 2459 00:11:22,640 --> 00:11:22,840 A: ||MEIN1 2460 00:11:23,020 --> 00:11:23,220 A: ||FIRMA1A 2461 00:11:23,020 --> 00:11:23,220 A: firma 2462 00:11:23,920 --> 00:11:24,300 A: ||JAHR2A* 2463 00:11:23,920 --> 00:11:24,300 A: jedes jahr 2464 00:11:24,420 --> 00:11:24,840 A: ||SO1* 2465 00:11:24,420 --> 00:11:24,840 A: so 2466 00:11:25,160 --> 00:11:25,200 A: ||NICHT3A* 2467 00:11:25,400 --> 00:11:26,040 A: weihnachtsgeld 2468 00:11:25,400 --> 00:11:25,700 A: WEIHNACHTEN4A* 2469 00:11:25,960 --> 00:11:26,040 A: ||GELD1A 2470 00:11:26,280 --> 00:11:26,860 A: bekommen 2471 00:11:26,280 --> 00:11:26,480 A: ||BEKOMMEN1* 2472 00:11:26,720 --> 00:11:26,860 A: ||NICHT3A 2473 00:11:27,120 --> 00:11:27,680 A: ||ABER1* 2474 00:11:27,120 --> 00:11:27,680 A: aber 2475 00:11:27,980 --> 00:11:28,100 A: ||GELD1A 2476 00:11:27,980 --> 00:11:28,100 A: geld 2477 00:11:28,360 --> 00:11:28,980 A: ||GEBEN-GELD2A^* 2478 00:11:29,260 --> 00:11:30,200 A: zukunftsversicherung 2479 00:11:29,260 --> 00:11:29,560 A: ||ZUKUNFT2* 2480 00:11:29,780 --> 00:11:30,200 A: ||VERSICHERUNG1 2481 00:11:30,320 --> 00:11:33,680 A: One gets 1800 euros as a Christmas/ 2482 00:11:30,500 --> 00:11:31,700 A: eintausendachthundert 2483 00:11:30,500 --> 00:11:30,720 A: ||$NUM-TAUSENDER1:1d 2484 00:11:31,500 --> 00:11:31,700 A: ||$NUM-HUNDERTER1:8d 2485 00:11:32,020 --> 00:11:32,180 A: ||EURO1 2486 00:11:32,020 --> 00:11:32,180 A: euro 2487 00:11:32,300 --> 00:11:34,660 B: Per year? 2488 00:11:32,840 --> 00:11:34,220 B: JAHR2A 2489 00:11:32,840 --> 00:11:34,220 B: im jahr 2490 00:11:32,940 --> 00:11:33,140 A: ||BEKOMMEN1* 2491 00:11:32,940 --> 00:11:33,140 A: bekommen 2492 00:11:33,340 --> 00:11:33,580 A: WEIHNACHTEN4A* 2493 00:11:33,340 --> 00:11:33,580 A: weihnachten 2494 00:11:33,680 --> 00:11:34,200 A: Yes, per year. 2495 00:11:33,840 --> 00:11:34,120 A: ||JAHR2A 2496 00:11:33,840 --> 00:11:34,120 A: im jahr 2497 00:11:34,200 --> 00:11:36,240 A: We don't receive our Christmas bonus, they always invest it in the insurance. 2498 00:11:34,380 --> 00:11:35,260 A: weihnachtsgeld 2499 00:11:34,380 --> 00:11:34,480 A: ||WEIHNACHTEN4A 2500 00:11:34,720 --> 00:11:35,260 A: ||GEBEN-GELD2A^* 2501 00:11:35,260 --> 00:11:35,500 A: ||GEBEN-GELD2A^* 2502 00:11:35,780 --> 00:11:36,160 A: ||GEBEN-GELD2A^* 2503 00:11:36,240 --> 00:11:37,120 A: I think it's a pity. 2504 00:11:36,320 --> 00:11:36,400 A: ICH1 2505 00:11:36,560 --> 00:11:37,080 A: $GEST^ 2506 00:11:36,560 --> 00:11:37,080 A: [MG] 2507 00:11:37,120 --> 00:11:40,040 A: I was looking forward to receive the 1800 euros, but they rather invest it and put it aside. 2508 00:11:37,360 --> 00:11:37,720 A: tausendachthundert 2509 00:11:37,360 --> 00:11:37,480 A: ||$NUM-TAUSENDER1:1d* 2510 00:11:37,580 --> 00:11:37,720 A: ||$NUM-HUNDERTER1:8d 2511 00:11:38,080 --> 00:11:38,280 A: SICH-DIE-HÄNDE-REIBEN1 2512 00:11:38,080 --> 00:11:38,280 A: euro 2513 00:11:38,480 --> 00:11:38,640 A: $GEST-OFF^ 2514 00:11:38,840 --> 00:11:39,060 A: ||GEBEN-GELD2A^* 2515 00:11:39,280 --> 00:11:39,960 A: ||WERFEN1^* 2516 00:11:39,860 --> 00:11:41,880 B: And what's it for then? 2517 00:11:39,920 --> 00:11:40,120 B: $ORAL^ 2518 00:11:39,920 --> 00:11:40,120 B: und 2519 00:11:40,040 --> 00:11:43,680 A: I wonder what would happen if I would resign. Would I get the money or not? 2520 00:11:40,120 --> 00:11:40,140 B: $INDEX1 2521 00:11:40,140 --> 00:11:40,200 A: ||ICH2 2522 00:11:40,140 --> 00:11:40,200 A: ich 2523 00:11:40,420 --> 00:11:40,740 A: ||ÜBERLEGEN1 2524 00:11:40,420 --> 00:11:40,740 A: [MG] 2525 00:11:40,460 --> 00:11:40,540 B: FÜR1 2526 00:11:40,460 --> 00:11:40,540 B: für 2527 00:11:40,720 --> 00:11:41,000 B: WAS1B* 2528 00:11:40,720 --> 00:11:41,000 B: was 2529 00:11:40,800 --> 00:11:40,940 A: ||VORHER1* 2530 00:11:40,800 --> 00:11:40,940 A: vorher 2531 00:11:41,180 --> 00:11:41,880 A: arbeitslos 2532 00:11:41,180 --> 00:11:41,460 B: $INDEX1* 2532 00:11:41,180 --> 00:11:41,460 A: ||ARBEITEN1 2534 00:11:41,700 --> 00:11:41,880 A: ||KÜNDIGUNG2B^* 2535 00:11:42,000 --> 00:11:42,260 A: ||ALLE2A^ 2536 00:11:42,500 --> 00:11:42,620 A: ||$INDEX1* 2537 00:11:42,880 --> 00:11:43,040 A: ||BEKOMMEN1* 2538 00:11:42,880 --> 00:11:43,040 A: bekommen 2539 00:11:43,260 --> 00:11:43,420 A: ||NICHT3A* 2540 00:11:43,260 --> 00:11:43,420 A: oder nicht 2541 00:11:43,560 --> 00:11:43,680 A: ||ICH2* 2542 00:11:43,560 --> 00:11:43,680 A: [MG] 2543 00:11:43,680 --> 00:11:44,840 A: Or would they transfer the money to my new employment? 2544 00:11:43,720 --> 00:11:43,920 A: $ORAL^ 2545 00:11:43,720 --> 00:11:43,920 A: oder 2546 00:11:43,960 --> 00:11:44,820 A: weiterleiten 2547 00:11:43,960 --> 00:11:44,080 A: ||WEITER1A* 2548 00:11:44,280 --> 00:11:44,820 A: ||LEITEN2 2549 00:11:44,840 --> 00:11:46,300 A: I have to ask them again because I don't know that. 2550 00:11:45,020 --> 00:11:45,100 A: ||ICH1 2551 00:11:45,380 --> 00:11:45,460 A: ||FRAGE1 2552 00:11:45,380 --> 00:11:45,460 A: frage 2553 00:11:45,520 --> 00:11:46,300 B: I don't know. 2554 00:11:45,600 --> 00:11:46,000 B: $ORAL^ 2555 00:11:45,600 --> 00:11:46,000 B: weiß nicht 2556 00:11:45,600 --> 00:11:45,680 A: ||ICH2* 2557 00:11:45,800 --> 00:11:46,000 A: ||$GEST-OFF^* 2558 00:11:45,800 --> 00:11:46,000 A: [MG] 2559 00:11:47,880 --> 00:11:50,880 A: It is really too bad that I won't receive the 1800 euros this Christmas. 2560 00:11:48,200 --> 00:11:48,360 A: SCHADE1 2561 00:11:48,200 --> 00:11:48,360 A: schade 2562 00:11:48,500 --> 00:11:48,880 A: eintausendachthundert 2563 00:11:48,500 --> 00:11:48,640 A: ||$NUM-TAUSENDER1:1d 2564 00:11:48,760 --> 00:11:48,880 A: ||$NUM-HUNDERTER1:8d 2565 00:11:49,420 --> 00:11:49,560 A: ||EURO1* 2566 00:11:49,420 --> 00:11:49,560 A: euro 2567 00:11:49,820 --> 00:11:49,940 A: WEIHNACHTEN4A* 2568 00:11:49,820 --> 00:11:49,940 A: weihnachten 2569 00:11:50,060 --> 00:11:50,200 A: ||BEKOMMEN3* 2570 00:11:50,060 --> 00:11:50,200 A: bekommen 2571 00:11:50,380 --> 00:11:50,560 A: ||NICHT3A* 2572 00:11:50,380 --> 00:11:50,560 A: nicht 2573 00:11:50,880 --> 00:11:52,100 A: I have to wait a long time then. 2574 00:11:51,180 --> 00:11:51,480 A: ||WARTEN2 2575 00:11:51,180 --> 00:11:51,480 A: [MG] 2576 00:11:51,680 --> 00:11:52,100 A: ||WEIT1^* 2577 00:11:52,100 --> 00:11:59,280 A: Once I receive the money, it is freed from taxes and something else which is more complicated and therefore I don't understand. 2578 00:11:52,100 --> 00:11:52,400 A: $ORAL^ 2579 00:11:52,100 --> 00:11:52,400 A: aber 2580 00:11:52,660 --> 00:11:52,820 A: ||GEBEN-GELD2A^* 2581 00:11:53,260 --> 00:11:53,840 A: steuerfrei 2582 00:11:53,260 --> 00:11:53,440 A: ||BEZAHLEN2^* 2583 00:11:53,620 --> 00:11:53,840 A: ||FREI1 2584 00:11:54,580 --> 00:11:54,880 A: ||UND2A 2585 00:11:54,580 --> 00:11:54,880 A: und 2586 00:11:55,180 --> 00:11:55,480 A: ||$GEST-OFF^* 2587 00:11:55,180 --> 00:11:55,480 A: aber 2588 00:11:55,740 --> 00:11:55,800 A: ||WENN1* 2589 00:11:55,960 --> 00:11:56,520 A: UNVERSTÄNDLICH-GESCHRIEBENES1^* 2590 00:11:55,960 --> 00:11:56,520 A: [MG] 2591 00:11:56,740 --> 00:11:57,260 A: ||VERSCHWOMMEN1A^* 2592 00:11:56,740 --> 00:11:57,260 A: [MG] 2593 00:11:57,720 --> 00:11:58,260 A: $INDEX1* 2594 00:11:58,500 --> 00:11:58,600 A: SO1* 2595 00:11:58,500 --> 00:11:58,600 A: so 2596 00:11:58,740 --> 00:11:58,940 A: ||BEKOMMEN1* 2597 00:11:58,740 --> 00:11:58,940 A: bekommen 2598 00:12:02,480 --> 00:12:11,120 A: If they would add the 1,800 Euro to my wage and would then subtract the taxes, I would receive the same amount of money of my regular wage. 2599 00:12:02,760 --> 00:12:02,980 A: ||ABER1* 2600 00:12:02,760 --> 00:12:02,980 A: aber 2601 00:12:03,160 --> 00:12:03,600 A: tausendachthundert 2602 00:12:03,160 --> 00:12:03,320 A: ||$NUM-TAUSENDER1:1d 2603 00:12:03,500 --> 00:12:03,600 A: ||$NUM-HUNDERTER1:8d 2604 00:12:04,300 --> 00:12:04,440 A: ||GEBEN-GELD4^* 2605 00:12:04,300 --> 00:12:04,440 A: euro 2606 00:12:04,920 --> 00:12:05,360 A: $GEST^* 2607 00:12:05,560 --> 00:12:05,680 A: ||GEHALT1 2608 00:12:05,560 --> 00:12:05,680 A: gehalt 2609 00:12:05,920 --> 00:12:06,260 A: ||GEBEN-GELD2A^* 2610 00:12:06,360 --> 00:12:07,100 A: AB5^* 2611 00:12:06,360 --> 00:12:07,100 A: plus 2612 00:12:07,320 --> 00:12:07,460 A: ||ALLE1A* 2613 00:12:07,320 --> 00:12:07,460 A: alles 2614 00:12:07,500 --> 00:12:08,140 A: ||ZURÜCK1A* 2615 00:12:07,500 --> 00:12:08,140 A: wieder zurück wieder zurück 2616 00:12:08,260 --> 00:12:08,360 A: ICH1 2617 00:12:08,380 --> 00:12:09,000 A: HALTEN-BLATT1A^ 2618 00:12:09,180 --> 00:12:09,620 A: ||ZURÜCK1A* 2619 00:12:09,820 --> 00:12:10,160 A: ||NORMAL1 2620 00:12:09,820 --> 00:12:10,160 A: normal 2621 00:12:10,400 --> 00:12:10,520 A: ||$ALPHA1:N 2622 00:12:10,400 --> 00:12:10,520 A: netto 2623 00:12:10,760 --> 00:12:11,120 A: ||WIE-IMMER1* 2624 00:12:10,760 --> 00:12:11,120 A: [MG] 2625 00:12:11,120 --> 00:12:13,140 A: At first, it is a huge sum which just shrinks more and more. 2626 00:12:11,280 --> 00:12:11,300 A: ||ICH2* 2627 00:12:11,300 --> 00:12:11,540 A: ||$GEST-OFF^* 2628 00:12:11,300 --> 00:12:11,540 A: [MG] 2629 00:12:11,760 --> 00:12:12,060 A: ||MASS4^ 2630 00:12:11,760 --> 00:12:12,060 A: [MG] 2631 00:12:12,060 --> 00:12:12,180 A: ||MASS4^* 2632 00:12:12,060 --> 00:12:12,180 A: [MG] 2633 00:12:12,320 --> 00:12:12,480 A: ||MASS4^* 2634 00:12:12,320 --> 00:12:12,480 A: [MG] 2635 00:12:12,480 --> 00:12:12,780 A: ||WENIGER-WERDEN5A^ 2636 00:12:12,480 --> 00:12:12,780 A: [MG] 2637 00:12:12,960 --> 00:12:13,100 A: ||$GEST-OFF^* 2638 00:12:13,140 --> 00:12:14,460 A: They invest the Christmas bonus in the insurance. 2639 00:12:13,420 --> 00:12:13,520 A: ||$INDEX1* 2640 00:12:13,600 --> 00:12:13,780 A: ||ZURÜCK1A^* 2641 00:12:14,080 --> 00:12:14,280 A: ||ÜBERTRAGEN1A^ 2642 00:12:14,460 --> 00:12:15,020 A: That's the way it is. 2643 00:12:14,560 --> 00:12:14,700 A: $GEST-OFF^ 2644 00:12:14,560 --> 00:12:14,700 A: [MG] 2645 00:12:15,760 --> 00:12:23,340 A: I think they changed the name of the insurance from ‘future insurance’ to ‘pension fund’ or something like that. 2646 00:12:16,160 --> 00:12:16,380 A: ||NAME1A 2647 00:12:16,160 --> 00:12:16,380 A: name 2648 00:12:16,880 --> 00:12:18,340 A: zukunftsversicherung 2649 00:12:16,880 --> 00:12:17,440 A: ||ZUKUNFT2* 2650 00:12:17,800 --> 00:12:18,340 A: ||VERSICHERUNG1 2651 00:12:18,700 --> 00:12:19,000 A: ||UM2A 2652 00:12:19,260 --> 00:12:21,620 A: pensionskasse 2653 00:12:19,260 --> 00:12:20,800 A: ||$ALPHA1:PENSION 2654 00:12:20,840 --> 00:12:21,800 B: Ah, pension. 2655 00:12:20,960 --> 00:12:21,600 B: $ORAL^ 2656 00:12:20,960 --> 00:12:21,600 B: pension 2657 00:12:21,160 --> 00:12:21,220 A: ||$ALPHA1:K 2658 00:12:21,400 --> 00:12:21,620 A: ||SAMMELN1^* 2659 00:12:22,120 --> 00:12:22,300 A: ||GLAUBEN2A 2660 00:12:22,120 --> 00:12:22,300 A: glauben 2661 00:12:22,600 --> 00:12:22,900 A: ||EINS-VON-BEIDEM1^ 2662 00:12:22,600 --> 00:12:22,900 A: [MG] 2663 00:12:23,560 --> 00:12:24,440 B: I don't know what that is. 2664 00:12:24,000 --> 00:12:24,220 B: KENNEN1B* 2665 00:12:24,000 --> 00:12:24,220 B: kenne nicht 2666 00:12:24,340 --> 00:12:24,400 B: $GEST-OFF^* 2667 00:12:24,340 --> 00:12:24,400 B: [MG] 2668 00:12:24,440 --> 00:12:26,380 A: It is the insurance of the company that employs me. 2669 00:12:24,740 --> 00:12:24,760 A: ||JA1A* 2670 00:12:24,740 --> 00:12:24,760 A: jo 2671 00:12:25,100 --> 00:12:25,240 A: ||FIRMA1A 2672 00:12:25,380 --> 00:12:25,840 A: angestellt 2673 00:12:25,380 --> 00:12:25,460 A: ||ICH2 2674 00:12:25,540 --> 00:12:25,700 A: ||ANSTELLUNG1B 2675 00:12:25,800 --> 00:12:25,840 A: ||$GEST-OFF^* 2676 00:12:26,380 --> 00:12:26,960 B: Yes, right. 2677 00:12:26,580 --> 00:12:26,720 B: STIMMT1A 2678 00:12:26,580 --> 00:12:26,720 B: stimmt 2679 00:12:26,960 --> 00:12:39,260 C: Ok, do you to transfer money via online banking? That is something new and something that changed these days. Did you already adjust? Or do you transfer money the old fashioned way with a walk to the bank and your signature? 2680 00:12:39,260 --> 00:12:42,140 B: I do it online because it is convenient and fast. 2681 00:12:39,680 --> 00:12:39,740 B: ICH2* 2682 00:12:40,040 --> 00:12:40,460 B: ONLINE1* 2683 00:12:40,040 --> 00:12:40,460 B: online 2684 00:12:40,780 --> 00:12:41,160 B: ANGENEHM2 2685 00:12:40,780 --> 00:12:41,160 B: angenehm 2686 00:12:41,360 --> 00:12:41,580 B: SCHNELL3A 2687 00:12:41,360 --> 00:12:41,580 B: schnell 2688 00:12:42,360 --> 00:12:43,600 A: Me, too. 2689 00:12:42,760 --> 00:12:45,560 B: When would I have the time to make the extra trip to the bank? 2690 00:12:42,940 --> 00:12:43,540 B: extra 2691 00:12:42,940 --> 00:12:43,080 B: EXTRA1 2692 00:12:42,980 --> 00:12:43,260 A: ||GLEICH8* 2693 00:12:42,980 --> 00:12:43,260 A: [MG] 2694 00:12:43,160 --> 00:12:43,180 B: ICH1 2695 00:12:43,360 --> 00:12:43,540 B: FAHREN1* 2696 00:12:43,700 --> 00:12:43,840 B: BANK-GELD1 2697 00:12:43,700 --> 00:12:43,840 B: bank 2698 00:12:44,060 --> 00:12:44,320 B: ZEIT1^ 2699 00:12:44,520 --> 00:12:44,880 B: WANN1* 2700 00:12:44,520 --> 00:12:44,880 B: wann wann 2701 00:12:45,020 --> 00:12:45,080 B: $GEST-OFF^* 2702 00:12:45,780 --> 00:12:46,780 A: Yes, I agree. 2703 00:12:46,140 --> 00:12:46,400 A: ||GLEICH8* 2704 00:12:46,140 --> 00:12:46,400 A: [MG] 2705 00:12:46,580 --> 00:12:46,720 A: ||$GEST-OFF^* 2706 00:12:46,780 --> 00:12:52,220 B: Online banking is sent quickly and the money is transfered until the next morning. If you've sent it in the morning it is already there in the afternoon. 2707 00:12:46,800 --> 00:12:47,380 B: schnell 2708 00:12:46,800 --> 00:12:46,980 B: SCHNELL3A 2709 00:12:47,200 --> 00:12:47,380 B: ONLINE1* 2710 00:12:47,680 --> 00:12:47,820 B: SCHICKEN2 2711 00:12:48,120 --> 00:12:48,360 B: MORGEN1A 2712 00:12:48,120 --> 00:12:48,360 B: morgen 2713 00:12:48,560 --> 00:12:49,060 B: ODER4A* 2714 00:12:48,560 --> 00:12:49,060 B: oder 2715 00:12:49,200 --> 00:12:49,280 B: WENN1* 2716 00:12:49,200 --> 00:12:49,280 B: wenn 2717 00:12:49,400 --> 00:12:50,500 B: vormittag 2718 00:12:49,400 --> 00:12:49,680 B: VORMITTAG2* 2719 00:12:50,340 --> 00:12:50,500 B: WERFEN1^* 2720 00:12:51,200 --> 00:12:51,420 B: NACHMITTAG1 2721 00:12:51,600 --> 00:12:52,160 B: da 2722 00:12:51,600 --> 00:12:51,820 B: DA1 2723 00:12:52,000 --> 00:12:52,160 B: $GEST-OFF^* 2724 00:12:52,220 --> 00:12:53,180 B: It is really fast. 2725 00:12:52,380 --> 00:12:52,580 B: SCHNELL3A 2726 00:12:52,380 --> 00:12:52,580 B: [MG] 2727 00:12:53,700 --> 00:12:54,820 A: I think it is good. I agree. 2728 00:12:53,860 --> 00:12:54,040 A: ||GUT1* 2729 00:12:53,860 --> 00:12:54,040 A: gut 2730 00:12:54,360 --> 00:12:54,620 A: ||GLEICH8* 2731 00:12:54,360 --> 00:12:54,620 A: [MG] 2732 00:12:54,820 --> 00:12:56,340 A: It really is convenient. 2733 00:12:54,820 --> 00:12:56,200 B: It is really convenient. 2734 00:12:54,820 --> 00:12:54,860 A: ||$GEST-OFF^* 2735 00:12:55,000 --> 00:12:55,120 A: ||AUCH3A 2736 00:12:55,000 --> 00:12:55,120 A: auch 2737 00:12:55,140 --> 00:12:55,320 B: NEIN3B^* 2738 00:12:55,380 --> 00:12:55,880 A: angenehm 2739 00:12:55,380 --> 00:12:55,760 A: ||ANGENEHM2 2740 00:12:55,540 --> 00:12:55,800 B: ANGENEHM2* 2741 00:12:55,540 --> 00:12:55,800 B: angenehm 2742 00:12:55,840 --> 00:12:55,880 A: ||$GEST-OFF^* 2743 00:12:56,820 --> 00:13:02,020 B: I received a letter with pin numbers. Whenever I use one up, I cross it out. 2744 00:12:57,080 --> 00:12:57,240 B: BEKOMMEN3* 2745 00:12:57,080 --> 00:12:57,240 B: bekommen 2746 00:12:57,340 --> 00:12:57,700 B: $ALPHA1:P-I-N 2747 00:12:57,340 --> 00:12:57,700 B: pin 2748 00:12:57,980 --> 00:12:58,060 B: VIERECK2^* 2749 00:12:58,200 --> 00:12:58,460 B: EINTRAGEN1* 2750 00:12:59,020 --> 00:12:59,240 B: SCHREIBEN3^* 2751 00:12:59,400 --> 00:12:59,860 B: nummer 2752 00:12:59,400 --> 00:12:59,440 B: NUMMER2A* 2753 00:12:59,600 --> 00:12:59,860 B: EINTRAGEN1* 2754 00:13:00,140 --> 00:13:01,020 B: DURCHSTREICHEN1B* 2755 00:13:00,140 --> 00:13:01,020 B: strich strich strich 2756 00:13:01,460 --> 00:13:01,800 B: $GEST^ 2757 00:13:01,460 --> 00:13:01,800 B: [MG] 2758 00:13:02,020 --> 00:13:03,380 A: Yes. 2759 00:13:02,700 --> 00:13:02,880 A: ||JA1A