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

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2
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1answer
35 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 ...
0
votes
0answers
42 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
134 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
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2answers
53 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
152 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
556 views

How can one short German bonds?

Does anybody know what is the best way to short German bonds?
1
vote
1answer
73 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
130 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
239 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
50 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
56 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
217 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 ...
0
votes
0answers
37 views

Account closed, exemption order

I have closed all my accounts at bank A earlier this year. I provided bank A with an exemption order of EUR 200 yearly. The gains this year were significantly less, about EUR 4.50. (The rest of my ...
2
votes
1answer
3k 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
1k 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
2k 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
212 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
2k 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 ...
5
votes
3answers
2k 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
606 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
134 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
166 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
169 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
43k 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
192 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
125 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 ...
12
votes
1answer
611 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?
2
votes
3answers
2k 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 ...