hTTi

I crashed ours back in 2011 and it took us 18 months to replace.

I was fine without it and have some regrets about having one again.

If you really use it so rarely, surely hiring is the way to go, or car share if you live in an area where that is an option.

Cooked apple pancakes today for Shrove Tuesday - very yummy! Used Nigella's apple latkes from her Feast book.

Thank you. I think he's going to sell and re-buy through a better platform. The whole story is not going terribly well, we did get Buhl as you suggested, but he is unhappy about it telling him he owes about 500€ (before he's even mentioned his investments) and I think he's going to find himself a St...

OK, investing people, Kid#4, now armed with his Steuer ID, is trying to transfer his Konto from Trading 212 to Trade Republic, and the Trade Republic form asks him for his Depotnummer. He has a Customer ID, and an Invest account ID with 212. Anyone know which of those would be the one? My vote is fo...

Thanks, dstanners - yup, indeed, app-based is all they would consider

He was about to transfer his current portfolio yesterday, when he realised that he's left his tax ID at his work base, which blows the plan of starting Elster this week as well.

Hey ho. Baby steps. At least he is persuaded.

Thank you.

For German alternatives to Trading212, OK, currently starting to look at this with kid#4, he was looking at the two recommended in the other thread, but then on checking, he thinks Trading 212 is German and there should be no problem. The website blurb mentions that 212 do the tax thing. We are not...

Thanks chaps. This is going to be fun.

A brokerage account is not a current account. I think I have a vague handle on this change from 2024 - we only have a current account in the UK and the money in it was always quids, so when we move it into €, all is good. I have tried to explain to the keenly investing kids#3 and #4 that they need ...

That's extremely helpful, emkay. Getting an immediate evaluation makes sense when you point it out.

Thank you chaps, really good to have some personal stories - I just hope both parties in the situation get involved.

Sorry your family has had need of the Beratung in the last year, dstanners, I hope the situation improves.

We know some people in need of marriage guidance counselling. They are first language English, but both work in a German context so the language is not absolutely critical. Anyone have experience of finding this service in Germany? Is it the sort of thing a KK funds? My googling doesn't look very ho...

Yes, I think we have a similar arrangement with our UK and German Prime accounts, They are connected and we pay for one. Don't know which. And to the OP - yes, I think you have to tell the Finanzamt - I read somewhere on here about someone getting stiff letters with 200€ fines from the FA about not ...

I think you are freed up because it's their cock-up.
Maybe the train you prefer is full already, or maybe they only recommend trains which arrive earlier than the originally booked one?

Either way, certainly worth following up.

Oh, OK, these two are Bund so they have that weird arrangement with the Kleine Anwartschaft and a Pflichtzusatzpflegeversicherung, which mine do through the BWV which gives reasonable value. The underwriter is Continentale, so it is private. Kid#4 did in fact ask our Barmer dude if he could do it th...

It does sound as though they might not have sufficient residence or NI Bit of a bugger because Brit pensions are so good, but also no surprise. How about they just start investing in funds or ETF's? They usually outperform pension schemes. Yup, good plan - they are big into investing (don't think E...

Woohoo! Thank you for your clear information as always. We can just carry on as we are, then. And make sure we top up the S1 when it comes, with Zusatzpflegeversicherung, I guess, otherwise after 10 years we'll have lost our Pflege rights. Or I suppose one could hang on for 8 years and then pay 2 ye...

Depending on their age, they my have the 3 freebie years as long as they turned 16, 17 and 18 before 6 April 2010. Thank you for your great answer, Gary. Useful to anyone looking at this subject. In our particular case, what I didn't make clear is that they really are almost actual kids - 21 and 22...

This is why some people, e.g. former UK military, avoid gathering German pension months, exactly so as not to draw a German public pension, but just their UK pension when they retire. --> come pension-age, they will get free cover in the German public health system (but only in the health insurance...

So, while it may happen at some point, I am wondering whether to suggest that kids#3&#4 start paying UK pension contributions voluntarily. They are both employed here currently, and are hugely into investing their income (they weekly commute from our home, and their lives are very cheap in both...