Search found 27 matches

by Kerfuffle
Wed Sep 17, 2025 6:16 pm
Forum: Health insurance
Topic: Offsetting Familienversicherung income limits
Replies: 15
Views: 4283

Re: Offsetting Familienversicherung income limits

skadi wrote: Wed Sep 17, 2025 1:53 pm

Or have them reinvested automatically into more Premium Bonds, then she doesn't need a bank account - unless she's at the £30k limit, or wants the cash.
The current max holding for Premium Bonds is £50K.
by Kerfuffle
Mon Sep 15, 2025 8:15 pm
Forum: Health insurance
Topic: Offsetting Familienversicherung income limits
Replies: 15
Views: 4283

Re: Offsetting Familienversicherung income limits

[/quote]Thank you. Interesting….i think that the account holder needs to be the PB holder? Ive not used Wise for a while. Isn’t the UK account theirs? Ive asked if my daughter can pay into my UK HSBC account. No! That was a couple of years ago so I’ll check again just in case. [/quote] If your daugh...
by Kerfuffle
Mon Sep 15, 2025 4:31 pm
Forum: Health insurance
Topic: Offsetting Familienversicherung income limits
Replies: 15
Views: 4283

Re: Offsetting Familienversicherung income limits

Kiddo and I get excited every month. Happy with an occasional £25 so far 😊. Still trying to work out how she can get her outstanding wins without a Uk bank account….. Have you looked into a Wise account (used to be transfer wise) or Revolut, for some of them you do not need to be a UK resident but ...
by Kerfuffle
Sun Sep 14, 2025 7:34 pm
Forum: Health insurance
Topic: Zahnreinigung and GKK
Replies: 7
Views: 587

Re: Zahnreinigung and GKK

TK pays 40 EUR towards Prophylaxe only.
by Kerfuffle
Tue Aug 12, 2025 9:55 am
Forum: Health insurance
Topic: Sick leave abroad
Replies: 3
Views: 604

Re: Sick leave abroad

Hi there, I think you need to take this up with your employer and also take a look at your employment contract. Tere is normally provision made what needs to be supplied and by when.
by Kerfuffle
Wed Jun 11, 2025 6:04 pm
Forum: Baking, Cooking - Tools, tricks & Recipes
Topic: Hand blender - Stabmixer
Replies: 9
Views: 1143

Re: hand blender - stabmixer

Thanks a lot for pointing this out. Actually I did consider them. The ONE person with whom I discussed, my mum, strongly discouraged me for using the manual ones for jams. But maybe they're actually good? For sure there's no motor to burn... Did your mum give reasons? If you were near I would lend ...
by Kerfuffle
Wed Jun 11, 2025 5:37 pm
Forum: Baking, Cooking - Tools, tricks & Recipes
Topic: Hand blender - Stabmixer
Replies: 9
Views: 1143

Re: hand blender - stabmixer

Have you considered a manual solution? I would experiment with putting the fruit through a mincer and then stating the jam process, if you google Fleischwolf that should throw up what I ean. I bought a cast iron old school model for a fiver from a flea market/charity shop but there are stainless ste...
by Kerfuffle
Tue Mar 04, 2025 3:40 pm
Forum: Taxes & finance
Topic: New (recalculated) land tax
Replies: 38
Views: 67228

Re: New (recalculated) land tax

The letters (one to me & one to my wife) arrived today from our town in Southern Schleswig-Holstein. Why they didn't just send one notice the "Herr & Frau HEM"... I guess that the letters has to go to all owners and the owners may not always live at the same address, so the easies...
by Kerfuffle
Sun Feb 16, 2025 8:56 am
Forum: Miscellaneous
Topic: Why are you unhappy today?
Replies: 170
Views: 178445

Re: Why are you unhappy today?

It is looking grim for Ukraine and Europe needs to pull closer with effective action on so many levels and hopefully less bureaucracy. I do worry for concepts like free speech that allows anybody to spout any rubbish - unchecked. Womens rights, reproductive and otherwise. And I am concerned for elec...
by Kerfuffle
Fri Feb 07, 2025 4:41 pm
Forum: Taxes & finance
Topic: UK Private Pension - Brexit Issue
Replies: 15
Views: 8552

Re: UK Private Pension - Brexit Issue

I'm in a similar situation with a "stranded" pension fund in the UK - no annuity and only complete withdrawal or leaving as life insurance possible Me too and none of the advisers I have spoken to, both in the UK and in Germany, have come back with anything useful. I may leave this to my ...
by Kerfuffle
Fri Feb 07, 2025 4:38 pm
Forum: Taxes & finance
Topic: Insurance and pension payout after bereavement: tax and health insurance considerations?
Replies: 0
Views: 1484

Insurance and pension payout after bereavement: tax and health insurance considerations?

I need to get my head three payouts: firstly a life insurance payout following my husbands's death. UK policy payable on death only, this is not taxed in the UK and I hope not taxed here either as I cannot see that it falls under one of the seven categories of taxable income. Will it be subject to h...
by Kerfuffle
Thu Feb 06, 2025 5:32 pm
Forum: Taxes & finance
Topic: New (recalculated) land tax
Replies: 38
Views: 67228

Re: New (recalculated) land tax

Our land tax has gone up by about 11%, not sure about changes to water charges yet. It was worth checking the Bescheid though because they sneakily charged church tax, a small amount but annoying nonetheless. Widerspruch by email was dealt with in a few days, so all is well.
by Kerfuffle
Sun Dec 29, 2024 10:42 am
Forum: Taxes & finance
Topic: Early retirement in Germany based on EU contribution history
Replies: 23
Views: 13364

Re: Early retirement in Germany based on EU contribution history

GaryC wrote: Sat Dec 28, 2024 7:15 pm Happy to double-check your state pension position is you like, just to give you peace of mind.
Thanks Gary, I have sent you a PM.
by Kerfuffle
Sat Dec 28, 2024 7:11 pm
Forum: Taxes & finance
Topic: Early retirement in Germany based on EU contribution history
Replies: 23
Views: 13364

Re: Early retirement in Germany based on EU contribution history

Have you looked into paying UK voluntary NI? Increase your UK pension, get a D tax deduction for the cost and have a potentially positive impact on your DRV pension. According to DWP I am fully paid up, I had some correspondence with them after they stopped taking money from the direct debit set up...
by Kerfuffle
Sat Dec 28, 2024 11:33 am
Forum: Taxes & finance
Topic: Early retirement in Germany based on EU contribution history
Replies: 23
Views: 13364

Re: Early retirement in Germany based on EU contribution history

I live in the UK, hence applying for my pensions via DWP. If you are in Germany then you would apply via DRV. All that happens when you apply via your local pension authority is that they pull your contribution records together, from all relevant countries, and send that aggregated record to each c...
by Kerfuffle
Fri Dec 27, 2024 4:25 pm
Forum: Taxes & finance
Topic: Early retirement in Germany based on EU contribution history
Replies: 23
Views: 13364

Re: Early retirement in Germany based on EU contribution history

Exactly so. Waiting for my letter to claim UK pension and will be calling DWP if it not here in another week or so. Does that mean you can apply directly with DWP? I think I read somewehere that you need to apply via DRV in Germany who will then liaise with DWP. I really would prefer to my UK state...
by Kerfuffle
Thu Dec 12, 2024 1:27 pm
Forum: Miscellaneous
Topic: Why are you happy today?
Replies: 208
Views: 166283

Re: Why are you happy today?

My car passed its MOT with just minor work (rear shocks and battery cover and heat shield had to be attached properly), very happy as it is old
by Kerfuffle
Sun Dec 08, 2024 8:46 pm
Forum: Taxes & finance
Topic: AFPS 75 Family Pension taxed where?
Replies: 2
Views: 1261

Re: AFPS 75 Family Pension taxed where?

Thanks for putting me straight on the DT treaty and yes, I see that I will be taxed on it here in Germany. The pension award is in line with AFPS widow's pension link you sent, so all is well in that respect.