hTTi

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...

I decided to make an Antrag auf schlichte Änderung after we got our Steuerbescheid back and submitted Anlage Unterhalt with it. After a couple of clarifying questions about the exact number of days he spends where (she said she could discount the days he didn't spend with either us or my sister-in-l...

Just a follow up to say the Finanzamt accepted your argument straight away Panda. You are brilliant

Cheers John. Indeed it was AI (Gemini) that threw up the question mark surrounding the taxation of the growth of the fund. It was out of ideas, probably because it's so niche there are unlikely to be published examples on the internet for these LLMs to be trained on. Initially Gemini incorrectly sta...

You are a legend Panda! Will do.

Update. Ok so the Finanzamt has written to us and want the following by the 13th of November: Nachweis der Notar- und Grundbuchkosten der Schenkung sowie Stellungnahme zum Zusammenhang mit der Vermietung My Bold. Obviously I can provide copies of the bills but what am I supoosed to say in regards to...

I'm wondering if the Irish ARF wouldn't be considered equivalent to a German Betriebsrente or Riester-Rente etc. These funds as far as I know are not taxed during the growth phase ("Nachgelagerte Besteuerung", no Vorabpauschale stuff like with a "normal" investment fund). Is this...

Hi all, I am considering what route to take with my Irish defined contribution pension fund. I have 2 options in Ireland: 1) use the fund to buy a traditional annuity, which would be taxable in Germany as far as I understand it or 2) use the fund to invest in a so-called "approved retirement fu...

Awesome. Thanks Panda

My father in law has the small pension mentioned above and Pflegegeld and Blindengeld (which in Brandenburg reduces the Pflegegeld). Do Pflegegeld and/or Blindengeld count as "income" when declaring my father in laws income for these purposes?

Unfortunately I found that I can't claim back money for their support because they do not result as people in "state of need". Indeed as far as I read, the value of their assets is taken in consideration. If it is over 13.500 euro (dont remember the exact number) then they are not in stat...

PandaMunich wrote: ↑Wed Sep 17, 2025 11:30 pm

murphaph wrote: ↑Tue Sep 16, 2025 9:25 pm My understanding is that we have to choose which deduction to take, either the Pflegepauschbetrag or the Unterhaltsleistungen. Is that correct?

No, you can claim for both.

Oh wow, that's great. Thx Panda

Fraufruit wrote: ↑Tue Sep 16, 2025 8:23 pm This all seems to harken back to the day when family took care of family as many cultures still do.

Most caring in Germany is actually done by the family too.