to be used for any question within the geographical region of Germany

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3
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1answer
33 views

How do I work out the tax effect of a company car in Germany?

I'm getting a bit confused by the various literature I am reading about German Taxes on driving a company car. I know its 1% of the vehicles list price per month. Is this treated as extra monthly ...
1
vote
0answers
15 views

How to declare foreign benefits in German tax refund?

I did an internship in Germany last year and now I am trying to fill the tax refund papers with the Elster online tool. I received the summary of paid taxes etc. from the company and my German income ...
0
votes
0answers
39 views

Stock symbol list for German Xetra stocks on Google Finance or Yahoo Finance

I would like to have a list of the stock symbols of companies listed on Germany's Xetra exchange that can be used on Google Finance or Yahoo Finance. Where can one download this list?
2
votes
3answers
90 views

Can one be non-resident alien in the US without being a resident anywhere else?

My question is as above: Can one be non-resident alien in the US without being a resident anywhere else? Let's assume the following simplified case: a former resident of Germany visits the US for a ...
0
votes
0answers
16 views

How can you use the German Pension Fund money for non-EU pension fund?

I am a Non-EU citizen. I work in Germany and am contributing to German Pension Fund. My country has a tax treaty with Germany for pension fund benefits. So, how do I take pension from the Germany when ...
1
vote
1answer
69 views

Tax class change in Germany?

I moved 2 months ago to Germany from Dubai for a new job. I am placed in tax class 1 (steuerklasse 1). I am married but because my wife was waiting for her long stay visa (she is non eu passport ...
2
votes
2answers
53 views

Germany: Employee and Entrepreneur at same time (for getting AppStore payments)

Currently (in Ukraine) I am working as Private Entrepreneur. As Private Entrepreneur I can have several bank accounts in USD, UAH, ... So it is not a problem to receive Apple's AppStore payments (in a ...
1
vote
1answer
47 views

Nationwide FlexOne internationally

I am planning a trip to Berlin, and I have seen that my debit card has no transaction fees or cash fees for foreign currency, so it is charged at VISA's exchange rate. Are there any costs I'm missing, ...
0
votes
1answer
36 views

IRS “non-resident alien” status vs. tax treaty definition of “residence”

A J-1 scholar is considered a "non-resident alien" for the first two years (Example 4). I wonder how that interacts with the definition of "residence" in a tax treaty, for instance, the one with ...
1
vote
2answers
99 views

Non-EU student, living in Germany, working for a Swiss company - taxes?

I'm non-EU citizen, but from Europe, now studying in Germany on Master program (so I'm a student, have an Erasmus stipendium, and have 1-year national visa that allows to work 120 full or 240 half ...
4
votes
2answers
199 views

Should I accept shares as payment?

My possible future employer offered to pay me in shares of the startup I would join. He dropped sentences like "brutto equals netto" and "We can pay you more in shares than in cash". Obviously there ...
4
votes
1answer
82 views

Do I have to declare these non-cash profits for income tax?

Let's say I have a website that gives information on electric guitars, but sells nothing. All income is generated via ads and affiliate programms. This income is of course subject to income tax. Now ...
9
votes
6answers
574 views

I have an extra 1000€ per month, what should I do with it?

I've seen a few questions like this here, but they all seem to be adressed to Americans and their way of life. Let me explain: I am 27, single, live in Germany and recently got my first job, which ...
3
votes
0answers
100 views

Set off computer against tax liability

I'm an employed programmer, officially not working from home. A friend told me, that you can set off your personal computer and up to specific values, you would not have to proofe your work related ...
0
votes
0answers
47 views

Where is the liquidity on European derivatives exchanges

This has bugged me for a long time, and I feel like I am missing some information. When I browse Eurex, a derivatives exchange in Europe, I don't see the kinds of liquidity I would expect. For ...
1
vote
1answer
35 views

Can I find the duration of a SEPA “Lastschrift” permit I signed?

If you need the background, you can read my other question. But I'm interested in answers to this one independently of the situation described there. I allowed somebody to perform "Lastschrift" ...
2
votes
0answers
34 views

Income Tax Germany-UK - Different tax years

I've recently moved to Germany, how can I incorporate my earnings from the UK into German income tax system when the tax years are different? German tax year (Calender year) UK tax year (April-April) ...
1
vote
1answer
87 views

Chinese account, live in Europe - rather get paid in RMB or EUR?

I'm currently living in Germany, but have a Chinese employer. I've got an account in both countries (ICBC in China and Sparkasse in Germany), and get my salary paid in RMB to my Chinese account, and ...
2
votes
1answer
141 views

FATCA - Streamlined Foreign Offshore Procedures

I’m German and my wife is American with US passport + SSN; she has lived in Germany nearly 30 years and after the kids left the house started work again with a part-time job 5 years ago. Our joint ...
0
votes
1answer
91 views

How to decide to leave money invested in Brazil or transfer immediately to my home country?

I have sold a property in Brazil this year with the purpose to buy a house in my home country (Germany). However, until I got all the documents ready to transfer the money to germany, I have lost ...
5
votes
1answer
125 views

How to reclaim the value-added tax when buying something on eBay?

I want to buy a digital graphics pad/touchscreen on eBay for technical drawings. Because the article's seller is based in Germany, and I live in Switzerland, and because the article is worth more ...
3
votes
1answer
232 views

How important is the beneficiary field in a bank transfer in the Euro zone?

When doing a bank transfer in Germany (and probably by now other countries that have Euro with IBAN and BIC) you have to give a beneficiary. In German, that is either called Kontoinhaber or ...
2
votes
2answers
163 views

Credit rating in Germany

A multitude of questions address the issue of credit ratings and FICO scores in the US and other countries. I am however specifically asking how credit scores (SCHUFA) work in Germany. From various ...
1
vote
1answer
1k views

What is payment against invoice?

The term "PAYMENT AGAINST INVOICE" appears on my job contract and no idea what that means exactly. I am in Germany.
1
vote
2answers
94 views

Investment partition for German student

Currently I am a student and planning to finish in about 6 month. At the moment I have a monthly income between 1000 EUR and 2000 EUR and are saving about 70% of it. I have savings of about 52k EUR ...
1
vote
1answer
480 views

Loan to buy a real estate in Germany

Today I have a question about home-loans: I started saving money to raise a small capital in order to submit a request for a loan and since I am totally new to this topic (and some language barriers ...
1
vote
2answers
723 views

How can one short German bonds?

Does anybody know what is the best way to short German bonds?
1
vote
1answer
85 views

Chances of losing money in a foreign bank account

I am working in Singapore. I am going to move to Germany. So I am not sure if I should close my bank account. Is there any chance of losing money in the account (i.e. the bank confiscates it citing ...
1
vote
3answers
217 views

Small capital investment in Germany

Since from next year I'm planning to take a peek at the brick market in order to buy a house (I'm going to ask a loan - therefore I need a capital to begin with) here in Germany where I live, I'd like ...
1
vote
0answers
266 views

My girlfriend is going to be a public servant. Is it worth to marry now?

My girlfriend and I, have been together for 4 years now. I'm pretty sure she is the one. I'm thinking about asking her to marry me, but don't know if I should do it now, or later. I surely will ask ...
1
vote
1answer
61 views

Retirement fund and Riester options for university teacher

For several months now I've tried to get my financial life in order, however, I'm failing to find a solution for my retirement fund. I am in my early 30s and working half-time at a university here in ...
1
vote
1answer
66 views

EU Start investing for longterm with partner who joins saving in a few years

First off, this question is related to this one. But in general, the answers are depending on the US-Situation. I would like to ask you the same question but specified on the Situation in the ...
2
votes
2answers
265 views

How to invest with a low net worth

Ok, I have following set up. I am a trainee in Germany. That means I am someone who is going to school part time and works in the company the other time. So my income is low at the moment. Fortunately ...
3
votes
2answers
8k views

German stock exchange, ETR vs FRA

I am looking at the BMW stock for instance in google finance. Presented are two tickers: ETR:BMW https://www.google.com/finance?q=ETR%3ABMW&ei=uNGuU-CSGeP3wAPw-IC4Cg and FRA:BMW ...
1
vote
4answers
2k views

Income tax return for 2013 in Germany - how to?

I am going to give my income tax return (Einkommensteuererklärung) in Germany for the first time. I don't want to pay that crazy money for a tax consultant just to tell me whether I have filled it in ...
5
votes
3answers
3k views

Where/Who do I have to notice the family status (after marriage) change to in Germany?

I live in Germany, and I have recently gotten married. Since this change affects my income taxes - I need to notify Finanzamt (tax office). Do I do it by some letter or by coming in and filling in ...
0
votes
2answers
301 views

Does freedom to provide services allow me contracting in Germany without paying taxes there (but in my home EU country)?

The freedom to provide services is one of the fundamental rules of European Union. However, when considering contracting in Germany, I was informed I can't do that with my Polish single-person ...
6
votes
1answer
3k views

What happens with an international transfer in a different currency than my own?

My customers are in Germany and I told them to pay the money for me using a bank transfer. I gave them the swift code and the IBAN and other information, but the problem is that I forgot to tell ...
7
votes
5answers
3k views

Bank account in Germany for non-residents?

I'm an EU citizen currently working in Germany. I have a bank account there, but when my contract ends, I'll probably migrate to other country, but it's likely I'd return there after some time. I ...
2
votes
1answer
754 views

ACH data for Deutsche Bank, Germany?

For an international ACH transfer as part of the e-gold claims process, I need to specify in an online form: Financial Institution Name Financial Institution Address Financial Institution City ...
2
votes
1answer
147 views

Where do I owe taxes while I am contracting overseas to Germany?

I am currently a student in the US, but I am originally from Japan. An IT company from Germany contacted me for a web application project and they told me they are going to send me the money to my ...
5
votes
1answer
177 views

In Germany: can i live in a Betriebstaette to circumvent payment of the Rundfrunkbeitrag

While for a flat a person has to pay 17 sth. € per month, while for a Betriebstätte with one person working a company only has to pay 5.99 €. As the company doesn't have to pay anything at all if the ...
1
vote
1answer
190 views

Apply US-Germany tax treaty to W-2 income?

I am a PhD student in the US, originally from Germany and here on a F-1 visa. Mid last year, my status changed from being on a fellowship to being on a research assistantship. Hence, I got a 1042-S ...
7
votes
5answers
53k views

How do I calculate net monthly salary (after taxes) in Germany?

If I were to say that my yearly, gross salary was 50,000 euros, then what would be my monthly net after-tax income? For example, this calculator looks OK to me: ...
1
vote
1answer
200 views

My government hasn't paid me a sum they should have paid a year ago. How much interest should I demand?

So, my government owes me a sum of about 350 USD that should have been paid exactly one year ago. I call them every week, and they always tell me that they need more time. Apparently they will pay me ...
3
votes
1answer
139 views

International Bank Account Only For USD For Student

I am not sure whether I use the right terminology in the heading, since I call the bank account which has only USD "international bank account" because it is not in euros. I need only USD for online ...
14
votes
1answer
757 views

Should I pay myself a dividend or a salary?

I'm considering starting my own limited liability company in Germany (GmbH). However, I myself live currently most of the time in Spain (more than 183 days per tax year, the other time is business ...
6
votes
2answers
2k views

Italy BTP vs. German Bund spread. Care to explain?

I hear a lot of chatting about BTP/Bund spread recently. I am not familiar with this concept. Could you explain what it is and what it means, in layman's terms?
6
votes
1answer
5k views

Is there an Online System like mint.com available for Germany?

At the moment, this service isn't available for Germany. Are there any similar Online Solutions in Germany?
3
votes
4answers
3k views

Which banks have cash-deposit machines in Germany?

Which banks in Germany have machines that you can put cash in and it appears on my bank account (opposite of cash withdrawal)? I am not interested in the kinds that you put the cash in the envelope ...