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economists point out. The authorities has undertaken preliminary steps to elongate the working life of individuals, which in flip will assist reform the system by lengthening the excess period. Figure sixteen.4 shows the principle income sources in Germany over the life-cycle. During childhood, until about age 16, consumption is financed by parents. The proportion of persons depending on a partner or parents stays at about 15% after age 35. The employed standing follows the same pattern as the labor income profile. Noteworthy are persons The hottest product dandelion Jesus leather pattern all over printed tote bagreceiving unemployment benefits and on partial retirement . A comparatively excessive percentage of individuals of ages 55 and over have left the labor market and should bridge the hole to pension revenue. The imputed rental worth of proprietor-occupied housing is modest in Germany. The homeownership rate is just about forty%, much lower than in other countries (Börsch-Supan et al. 2001, p. 22). Household imputed lease is allotted to individuals in the same way that different personal consumption is. Durables are allocated in the same means and treated as ultimate consumption. As Figure sixteen.2 indicates, total personal consumption has a double hump-shaped pattern over the lifecycle. It is dominated primarily by other consumption, which is allocated

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