hTTi

Hello all, I am supposed to do a penicillin allergy test on Monday (staying in a hospital for 3 nights) and just remembered that it can take me away and that I don't have a will. You never know. I have a few properties in the US and they would go to my wife and daughters. We are all German residents...

If you want a card that you pay off with your pace, there is Advanzia (from Luxembourg).
Just didn't like not to have some kind of control. But now, some 12 years later it is more about it being for free.

Since you are thinking of riding it a just one way, try going earlier in the morning by U-bahn. Before rush hour and return by bike. Easier to get a spot, and you will not stink in the office if you don't have a shower at work. Of course, if you are showering after the ride or before the next day tr...

I have a Girokonto at Volksbank, so I could get a discount on insurance through R+V Versicherung. Does anyone have experience with them? You haven't specified what insurance you're looking for, so that is a tough question to answer. Consider "liability insurance" (Haftpflichtversicherung)...

Does Germany know to increase income in any other way except by increasing taxes?

Waiting for the rest of the alphabet.

It looks like that it is 13GB per month now. I kept my T-Mobile number and have a German Telekom prepaid card that works in the EU and 🇨🇭(a must since I live on the border). I’m quite happy with it. Rather than paying 10€ a month I just pay 99€ in advance once a year. I text using WhatsApp. The Tele...

Sometimes a single punch can be enough. Head hitting a curb or something like that.

We will have to wait and see.
Thanks for explaining.

Thank you Panda.

We are paying a mortgage for an apartment in which we live in Munich. Now there is an idea to upgrade and buy a townhouse, again with a mortgage being involved. I've heard, but I am not sure of details so I am asking here, if it would be possible to put current mortgage into another one in order to ...

Thank you Panda. To be honest, I am not sure what I am. I don't think that I am a freelancer, GmbH or something like that. I am being paid by a US company (London office/entity). They are paying an accounting company in Berlin to do my pay calculation and they automatically pay my social contributio...

As I understand you, you get either a 30% match from the Government OR you get a tax reduction on those EUR1800? I am pretty sure our income after we stop doing what I am doing now will be way lower than now, so I would currently put into a plan that reduces taxes as much as I can. Especially since ...

murphaph wrote: ↑Wed Dec 17, 2025 5:23 pm "Up to €1800 per annum is subsidisable"

Is this pretax money?
Can more be invested after initial 1800 EUR, with no Government matching but as pre-taxed money from income?

Thanks,

Nixon

PandaMunich wrote: ↑Mon Dec 22, 2025 12:53 am

Nixon wrote: ↑Mon Dec 22, 2025 12:29 am Any news regarding this change?

Have a look here: viewtopic.php?t=766

Thanks Panda, just checked there too

Well what's being talked about is a helluva lot better than the Riester with its shitty returns and high costs. It looks like we may finally be able to invest in low cost ETFs in tax sheltered manner. At the moment we are saving for our retirement using ETFs in a non-tax sheltered way because even ...

Hello all, What are the costs that can be added to the calculation of the Home office expenses for the year of 2024? I have these: Home Depreciation: 2% of the (Home purchase price + Notar costs + Real estate transfer tax) - 50% (Land value) That would be: Absetzung für Abnutzung. After that I would...

Franklan wrote: ↑Wed Nov 26, 2025 1:27 am Somebody sampled >50 country songs with the phrase "cold beer" and made a new song out of it... Impressive!


I made a song entirely from 50 country artists singing cold beer.mp4

It is cold, cold beer.

Overall we are very satisfied. - Started with Test Buhl Wiso steuer version which is free to see how it goes. Printing the documents and filing are options that are not available in the test version, other stuff works like in a paid one. You can use software on your computer (pages couldn't be trans...

No sweets with processed sugar today.
Just a teaspoon of honey