“It remains a strong sign”

adminonFebruary 2, 2022January 27, 2022Leave a Comment

Atmospheric light in Altenberg Cathedral © Ina Rottscheidt (DR)

This year the sending forth of the Altenberg Light cannot take place as usual. But the alternative was quickly found: Young people can participate in the celebration via livestream. With it: a very special care package.

Interviewer: Perhaps it is necessary to clarify again briefly how the Altenberg Light came into being. After all, the action dates back to the end of the Second World War…

Father Tobias Schwaderlapp (Diocesan Youth Chaplain in the Archdiocese of Cologne): Exactly. In 1950, there was the Altenberg Light for the first time. It is particularly painful for us that it cannot take place this year. We were going to celebrate 70th anniversary and we had planned it big too.

In 1950, the Catholic youth from Altenberg wanted to set a sign for reconciliation in Europe. They lit a light on the Easter candle under the Madonna in the Altenberg Cathedral, which was already considered the "Cathedral of Catholic Youth" at that time, and carried it to the borders of Germany and to other European countries.

In a light relay they carried it to the border to France and Poland and handed it over to the Polish and French youth. To say: Through whom, if not through us, the youth, shall reconciliation in Europe grow again? That was a strong sign and remains a strong sign. Because we know: Peace has still not come – neither in Europe nor in the world.

Interviewer: A beautiful sign, which also depends on a lot of closeness.

Schwaderlapp: Yes, that is usually the case. We usually associate the Altenberg Light with a large tent area in Altenberg. The people lie in the tents and sit tightly packed in the Altenberg Cathedral. At 2.000 people in the Altenberg Cathedral means that you are practically not only sitting next to each other, but also partly on top of each other. And that is of course virologically not possible this year.

Interviewer: You can’t keep a distance of 1.5 meters from them. But the celebration is not canceled. There is an alternative. What does it look like?

SchwaderlappYes, we thought about it together with the initiative group of the Altenberg Light – the young people who plan and carry out the Altenberg Light year after year: Especially when times are difficult, we can not say: "Oh no, then the peace falls out". That would be antti sign. But just now it is important that we set a sign for peace and then it should just take place differently. I’m very proud that this worked out, and I’m looking forward to how we’re going to do it tonight.

Interviewer: There are care packages for tonight. What is it about that?

Schwaderlapp: Exactly. We still invited people to sign in. At first, we had quickly taken the registration form off the homepage after short-term reactions. But one day later we put it on again. And all of you who have registered have received a small care package. There is a small letter, the booklet for the two liturgies – the vigil this evening and the celebration tomorrow morning – and a little candle wax, so that you can create your own Altenberg Light candle at home. Because this year the light will not only be lit in Altenberg, but also at home in front of the screen and the TV.

Interviewer: That means you can celebrate live from home?

SchwaderlappYou are very, very cordially invited to join in the celebration. I’m really happy: We got 900 registrations for the live stream! You just have to let that melt on your tongue. This shows how important it really is for many young people in our archdiocese and beyond. You can join the celebration at 10 p.m. via radio or the this site website.DE.

I think we will have a very nice celebration. We had a dress rehearsal last night and I think one will be captivated. I am very, very confident and would like to invite you to join us.

Interviewer: How can you imagine it practically – you sit with a candle in front of the screen?

Schwaderlapp: Exactly,sit in front of the screen with a candle and just enjoy. We were thinking: How do we make it so that we really celebrate the service together, even in the digital space? It’s not meant to be that we film the service and then you can watch how others celebrate, but we pray together. That is our concern tonight.

We have also invited and asked for intercessions to be sent to us, which will be included in the vigil this evening. We also launched a digital choir project and invited people to sing three songs via an app.

Interviewer: What songs are these?

SchwaderlappThis is "In the middle of the night" – it will be on tonight. And tomorrow morning, the "Altenberg pilgrimage song", because it should not be missing from any Altenberg Light, as well as "May the road bring us together", the Irish blessing, because it is traditionally sung at the end of the Altenberg Light. These three songs were sent in.

Interviewer: Also "May the road" is a song of hope…

SchwaderlappAbsolutely. All we want to radiate at the Altenberg Light is hope and peace.

Practical tip: Separate the financing of the car and the property

In many new construction areas, it is not only beautiful houses that can be admired. Often there are nice cars parked in front of the houses, not infrequently fancy new cars. Outsiders sometimes wonder how people can afford such cars when they have only recently built.

Finally, this is an open secret: many builders do not miss the opportunity to finance a car at the same time as their property. In the meantime, this approach has become widespread. However, it brings with it not only advantages, but also disadvantages.

Financing a car with a real estate loan

The processing of such a financing is relatively simple. Two things are decisive. First, a property must serve as collateral, d.H. A security by land charge take place. In addition, the bank must be willing to grant such a loan. Whether or not the bank is willing to lend depends primarily on the loan-to-value ratio of the property. The more equity the builder can use in his financing, the more likely the bank is to finance a car as well. Thus, creditworthiness and equity play a major role.

Advantages and disadvantages of such vehicle financing

The main advantage of financing a car with a real estate loan is the favorable conditions. With a little luck it is possible to finance the car at extremely low interest rates. the car loans offered by car dealers often seem expensive in comparison.

However, there are also disadvantages. This includes, above all, the higher loan-to-value ratio for real estate loans. Although it depends on the individual case, it is highly likely that financing the car will lead to a lower loan-to-value ratio, which in turn will result in a higher interest rate for the loan. In this context, it should be borne in mind that this can make the entire real estate financing more expensive.
This is exactly where the danger lies. Assuming that the interest rate only increases by a tenth of a percent, but the total financing amounts to several hundred thousand euros, there is a risk of a considerable increase in the total interest burden.

Then there is the term of financing. Real estate loans are usually concluded in connection with long interest rate lock-ins. Cars are usually not driven for that long, d.H. Under certain circumstances, a car is still being paid off even though it no longer exists. In addition, there is the comparatively pronounced loss in value to which motor vehicles are subject.

Financing a car cleverly

In view of these not inconsiderable disadvantages, builders should definitely check in detail whether it is really worthwhile for them to buy a car and to co-finance it with the real estate loan. It may be possible to finance the car in this way at a very low interest rate. On the other hand, the entire financing could become significantly more expensive, so it may be better to refrain from such a solution.

In this case, it is advisable to choose a stand-alone car loan. Separate financing has its own advantages. First and foremost, there is the fact that real estate and cars can be strictly separated in terms of financing. In addition, first-class conditions now lurk in the area of car loans. Low interest rates are available even if the loan is not secured by a property.

The issue of flexibility should also not be ignored. Real estate loans are considered to be comparatively rigid, while car loans can usually be redeemed quickly and easily if necessary. Assuming the vehicle is for sale, the remaining debt can usually be repaid to the bank without any additional costs.

However, it is not possible to make a general statement as to where the best conditions for vehicle financing are to be found. Many car banks offer car loans with low interest rates. But direct banks are also playing a big role, especially in financing annual and used vehicles. Every interested party should therefore take the time to first make a comparison. Our car loan comparison provides valuable support, quickly determining where the car can be financed cheaply.

Perfect finish when polishing cars with eccentric polishing machines

The spring begins. Now is the perfect time to get your car ready for summer. In addition to the tire change is the careful polishing of the bodywork for car lovers on the plan. Polishing a car by hand can be tedious, however, and the result often leaves much to be desired. Most of the time you can see some residues of the polish afterwards and the car is covered with a fine gray haze – but it should shine like new.

A polishing machine for the car can help, but beginners often don’t dare to use the mechanical tool for fear of damaging the paintwork. But eccentric polishing machines in particular are definitely also suitable for beginners. polishing your car with this polish avoids unsightly holograms and creates a uniform, clean result. A test of eccentric polishing machines shows the advantages of each type of machine and how to achieve the perfect finish.

That’s why the eccentric polisher is so good for beginners

In addition to eccentrics, there are also rotary polishing machines. The functionality of the two groups of machines differs greatly. While the eccentric polishing machine for the car can also be operated by laymen due to its simple handling, machines with rotary mechanism often pose challenges even to professionals. The eccentric movement of the polishing disc requires less movement energy than with rotation. Thus, the equipment develops less heat and is therefore safer and easier to use. Even beginners who need a little longer than experienced professionals to polish their cars need not fear overheating. But there are also differences within the range of eccentric polishing machines.

How good the sealing result is, becomes particularly well visible on dark lacquers.

These types of polishing machines are available

Eccentric with free wheel:

The eccentric movement of this device is due to the fact that the weight is distributed unevenly on the spindle as a result of the movement. The drive is therefore based on a counterweight. Free-running eccentric polishing machines are particularly popular with beginners, are among the most common models and are characterized by:

Low entry prices
Minimal risk of danger
A clean result without holograms
Eccentric with positive drive:

Unlike freewheeling, where the counterweight drives the motion, these models have a gear that feeds the stroke and creates motion. A sudden stop of the eccentric is therefore impossible. Typical for models with positive drive:

A high entry price
A high removal rate
A clean finish without holograms
Many possible applications

Polishing with the eccentric polisher: this is how the result will be crystal clear

For beginners who do not want to invest so much money at first, a free-wheeling eccentric is a really good choice. Even entry-level models are powerful and lead to a finish that is worth seeing. Beforehand, however, it should be checked whether polishing is permitted on private property. But even within the free-running devices, one must differentiate in order to select the model that best suits one’s own wishes. An important criterion is the size of the stroke. Polishing machines with a smaller stroke, i.e. less than 15 mm, are more maneuverable and ideal for small surfaces or hard-to-reach areas. Due to the smaller eccentric movement, however, such a device also wears off less surface area. So it takes longer to achieve the desired result. If an eccentric has a larger stroke, it has a higher removal rate. Accordingly, you quickly get an even finish. This type of eccentric is particularly suitable for large-area application in easily accessible places. By the way, this is how perfect rim cleaning is achieved.

Typical roll-off effect after sealing/polishing

One thing is clear: polishing beginners will do particularly well with these machines

If you look at all the advantages and disadvantages of the individual types of equipment, it quickly becomes clear: free-running eccentric polishing machines are particularly well suited to car enthusiasts. If you buy an entry-level model at a reasonable price, you will enjoy it for a long time. Ideally, you should choose a machine with a small stroke. This way you are on the safe side, you will never remove too much and you will reach every corner of your beloved car paint. Before polishing, however, you should always visit a washing line. With the right polisher, not only the car shines, but also the proud owner. Due to the current situation, however, unnecessary cruising should be avoided.

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