The document discusses problems in today's society and proposes ideas for a new world. It argues that the old world no longer works in areas like the relationship between people and nature, employees and bosses, and social support systems. It also says we have the wrong values that are focused too much on money and egoism rather than social responsibility. However, the document puts forth some ideas for a new world, including direct relationships between people and how their taxes are used, integrating all people rather than isolating groups, and moving beyond only using money as a measurement. The key ideas are that we need belief in something other than just money, and to focus on more direct human connections.

1. What is wrong in our world today?
Just a few personal thoughts during Christmas.
I am EMEA based and engaged in the area of Turnaround, Distressed, NPL,
Bad Bank, Privatization and Restructuring working for Governments as well as Financial
Institutions and many more.
However, I am not writing you to speak about my work, I want to share with you some
ideas, experiences, and thoughts about our society and future. Also, maybe even you have
some contributing pieces of a new picture on our world and together we can develop new
perspectives.
First, The old world doesn’ t work anymore regarding…
• Man and nature
• Relationships between employees and bosses
• Relationships between tenants and landlord owners
• social help (Social security systems / Isolating groups / No integrating
social responsibility )
• Rating ( considering only economic power is insufficient;
" Rating blocks innovation / eliminates elements "not performing according
rating criteria"
• values of our society
• and to behave socially and assume responsibility has to be redefined

2. Secondly, We have wrong values (still industrial revolution / factory acts /
19th century)
• cash instead of social values
• egoism instead of responsibility
• Gross national Product (GNP) as performance of a nation
( home‐made food doesn’t count in the GNP )
• The politics of the idea of socialism failed and the new individual liberty
destroyed the family as smallest group
Third, and the solution, We have some ideas of a new world
• Direct relations ( knowing, where my taxes and social insurance contributions are
spent )
• Right and duty of our society ( all people ) for not isolating singles and groups , but
forcing us to activate / motivate and integrate them
• Right and duty of employees/ public officers to assume responsibility and to avoid
wrong rules and report them
• Same Right and duty to assume responsibility / liability for politicians and
governments
• Money as the dominant factor is wrong
• Performance should be considered integrating other values like social, quality/
intensity of social relations
• who makes profit, pays a lot of taxes and should be honored officialy for this.
Examples:
‐ what contributes did a person do for our society?
‐ The person with a privileged education, health, intelligence may have a stronger
social responsibility ( till now we consider only economic potentials )
‐ Do we have Rating‐systems considering this or do we have a sufficient
Counterbalance for the dominance of these Ratings?
Europe, which has never been better supplied and provided with goods then
now, wastes food , living and working space and technology etcetera. Yet, we
feel a deep crisis?

3.
I don t have the recipe ready, only pieces. However, I believe, we all should think about it,
discuss it and set aside time to be proactive. I also strongly believe that major principles have
to change in which I will summarize with three statements!
• we need Belief
• we need something else other than money as a measurement or Rating
• we need to focus on more direct relations and connection concerning us as
people
I wish you a very Merry Christmas with all of your family and friends! Use this time to enjoy
your friendships and relax.
I really appreciate your comments via email, phone, Linkedin or Xing
Joerg Kowollik
CONact Market Entry Management GmbH
phone +49-(0)6084-950200
fax +49-(0)6084-950205
JKowollik@conact.de
http://www.conact.de
http://www.RealEstateInnovation.info
CONact is a member of RealEstateInnovation - European
companies in the Real-Estate Industry
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