karl-heinz a recently retired court bailiff knows all about money and debts his life insurance policy is due to payouts in how should he invest the money in a house they've already got one. there's a lot at stake for the cycling enthusiast he and his wife want security in old age as well as a good time. i was hoping that off to the payout i'd be able to invest the money again and earn interest which could be added to a pension and that's all gone gone but that plan isn't going to work out for comment who is in your midst. karl-heinz has always led a modest life he always stayed away from investments that paid high returns but were risky he never thought it would come to this he doesn't know what to do with