I can finally say, hello October! September is finally over which also means that Christmas is almost coming. I am imparting tonight what I read in German newspapers for the past days. First of all, health insurance will be more expensive effective 2011. Some increase to be paid both by employers and workers to the health insurance system in Germany. It means that hubby’s salary will decrease for some Euros because more health insurance will be deducted to his salary. It is time for hubby to find the cheapest life insurance quote to invest for the future. That is also the reason why he always wanted to retire in the Philippines to have a better living during his retirement period. Life in the Philippines is cheaper as here in Germany. I told him, we will see what will happen in the future. More news and updates to come next time. I wish you all a wonderful month of October!