hTTi

Awesome. Thanks so much for your help!

Ok Panda, will do. They are sometimes less than cooparative though. What are my options if they fail to provide a figure?

A flat I let.

Your tip gave me the idea to prompt AI based on that information and it led me to the following Schreiben from the BMF: Wohnungseigentümer und Mieter 47 Bei Wohnungseigentümern und Mietern ist erforderlich, dass die auf den einzelnen Wohnungseigentümer und Mieter entfallenden Aufwendungen für hausha...

That would be ideal if that's the case. I thought the "Abflussprinzip" would apply here but I guess it does make some sense that the owners have to approve the expenditure, even if it has already taken place the year before.

Hi all, This is something that has never come up for me until now. Normal day to day repairs are paid out of the monthly Hausgeld payments but in 2025 there was a large amount taken from the Instandhaltungsrücklage to repair the roof of the building. This is a deductible event as far as I understand...

You're welcome. Good luck with it!

If Consorsbank does not allow 3rd party access then the C24 Umzugsservice should tell you that and ask you to close the account yourself on a specific date about 2 weeks in the future. Just click yes and say that you will do that. The 75€ should then just appear in your account within a day or two, ...

You don't set up a Check24 account. You need to set up a Check 24 Partner program account. That's their affiliate program. You then "send yourself" an affiliate link from the program and click on that to start setting up the C24 account. That's the more complicated bit and why I offered my...

Little update...this also worked for my wife with an unused DKB Tagesgeld. She had the €75 within a couple of hours of closing the DKB account through Check24.

Here is a great tip: https://www.mydealz.de/deals/tarifcheck-check24-115eur-pramie-fur-kostenloses-c24-girokonto-75eur-kontoumzug-50eur-tarifcheck-incl-gratis-mastercardgirocard-ec-karte-2366756 Basically it's a hack to bag yourself up to €125 for opening a C24 bank account and closing another accou...

I don't know if the KVdR asks for a Steuerbescheid like for voluntary members but in any case your Canadian state(?) pension is taxable income in Germany assuming you are tax resident here. It is not at all unlikely that the KK will some day see a Steuerbescheid from you and your Canadian pension wi...

And now you can have it. No algorithms. No selected for you. Just random music videos like MTV was. You can even watch the sequence of videos as shown on MTV's very first day:
https://wantmymtv.vercel.app/player.html

I recently gifted a portion of a rented property to my 12 year old son. The date of transfer is the 01.01.2026. I will pay all the legal costs of the transfer and this is also stated in the contract (to satisfy the Familiengericht it had to be included this way). I am assuming that as I am paying th...

As I understand you, you get either a 30% match from the Government OR you get a tax reduction on those EUR1800? So you get the 30%/20% subsidy as you make your investments during the year. For example, you invest €150 per month and the government gives you another €40 so €190 are invested. The fol...

My understanding is it is not pretax money like a Betreibliche Altersvorge but you can claim the expense as a Sonderausgabenabzug in your tax return (Anlage AV). This is effectively the same thing however as it reduces your taxable income by that amount. You can receive either the subsidy or you get...

The draft called for a maximum 1.5% but the fees have to be spread over the whole lifetime of the product, so that there is no penalty for switching provider. No more front loading of the fees. It's reasonably likely that the passive funds like ETFs will be significantly cheaper than that though bec...

A replacement for the failed Riester is coming in 2027 with any luck. It passed through cabinet today :-) https://www.bundesfinanzministerium.de/Content/DE/FAQ/reform-der-privaten-altersvorsorge.html Quick summary: -You can invest in low cost ETFs with no guaranteed returns, hopefully delivering hig...

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 w...

No concrete update but I am hopeful that the proposed overhaul of the Riester-Rente will bring in a very similar product to the ARF in Ireland. As long as tax is deferred all the way until disposal then the funds should be considered equivalent. Interesting times ahead. Riester should have been refo...