Questions tagged [germany]

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

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1answer
150 views

How much is my signing bonus after taxation in Berlin Germany?

an employer is offering 3K EUR as signing bonus, I was told that it's taxable, so I want to calculate how much tax do I have to pay and how much will be the 3K after all tax deductions? I live in ...
3
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1answer
74 views

Are there Target Date Funds in Europe/Germany?

The title already says it. To expand on this, I read about target date funds on this site. Essentially, they try to provide bigger gains with bigger risks at the start, and "automatically" become ...
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0answers
108 views

Paying by credit-card online without transmitting your real name (in Europe)? (state authorities tracking/verification are no problem)

I’m looking for a way to make online purchases (video games/streaming-services/etc)/donations without transmitting my name/similarly identifying info. Apparently in US you could use privacy.com or ...
2
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0answers
93 views

Buying a car as a freelancer - Business costs

I am a freelance software developer, and I am thinking of buying a car, which I would probably use every now and then for personal matters, but mostly for business related trips. What are the ...
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9answers
7k views

In Germany, how can I maximize the impact of my charitable donations?

I have recently reached a point in my life where I want to start making regular donations to worthwhile charities, but I have no idea which charity is most "deserving" of my money. I understand that ...
2
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2answers
148 views

Index funds vs 3 funds financial products for long-term investment / retirement

Some company is trying to sell me financial products where there are 3 funds: Apologies that it's in German. Rough translations: Left one: This fund secures the selected guarantee. Center one: This ...
6
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2answers
338 views

What are the costs of being an unsuccessful freelancer for a year?

I'm trying to get a rough idea what being an unsuccessful freelancer in IT for a year would cost. Unsuccessful means not being able to bill a single hour for the year and therefore having no income. ...
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2answers
123 views

Do negative bond yields pay out public debt?

I noticed that german bonds offer negative yields, as you can see in this table.My question is, considering Germany is returning less money than received, does that mean the sovereign debt is ...
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1answer
149 views

Get written statement from landlord for a mold that could happen because of his decision over phone?

In my apartment I closed up the ventilation in my bathroom with baking paper. The reason is since it is summer many insects like hornets, wasps and even centipedes started coming from that ventilation ...
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1answer
121 views

What happens with a credit card account in Germany after the card is blocked/closed?

I have an everyday account in a bank in Germany and a Visa credit card account in the same bank. At the end of each month the negative credit card balance is automatically balanced by an automated ...
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4answers
281 views

How to withdraw cash from a credit card if the cash advance limit has been reached

I have a German bank account and a Visa credit card attached to it, but left Germany some time ago and live in a non-European country. Last Monday a bank officer from the German bank called me on my ...
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1answer
193 views

Can I invest in the German stock market as an international student?

Can an international student, holding student resident permit invest in the German stock market? As international students are not allowed to start a business so does that restrictions also apply to ...
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2answers
216 views

Tax in Germany on ETF, government bonds, stocks

I've heard Germany tax rate on ETF capital gains and dividends is Kapitalertragsteuer + Solidaritätszuschlag = 26.375% (assuming you don't want to pay church tax also) Is this tax rate the same on: ...
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2answers
93 views

Tax relaxation for Indians in Germany

I have recently employed in Germany for one year. I am from India. Is there any tax relaxation for Indians in Germany? I am married.
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0answers
105 views

Why is Baader Bank always a tiny bit cheaper?

I recently started buying ETFs. One weird thing I see is that Baader Bank is always a tiny bit cheaper. In the example below, Tradegate is 0.4% more expensive than Baader Bank: The difference is not ...
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2answers
385 views

Cash payment in used car dealership

I plan to purchase in a used car dealership without financing. In order to be prepared to buy on the spot what money transfer options are common place? If all possible I prefer a method which leaves a ...
2
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1answer
108 views

How is the average salary calculated for time spend outside Germany

I spent the last few years working and paying taxes in the US with salary X. I then moved to Germany where I get salary Y. This is also the first time I pay taxes in Germany. Within one year of the ...
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2answers
149 views

NRI, German tax resident having foreign income

I am working in Germany in an it company last 3 years and paying tax as normal. Now I am getting some earnings as website advertisement and it is coming from US/UK through paypal account and credited ...
3
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2answers
163 views

First time German Tax declaration, asked about foreign income

I am EU citizen, I was wondering how the German tax system would allow me to get proper refund after I left the country. I went to Germany in middle 2016 and worked there until end March 2018, then ...
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1answer
224 views

Online Shop won't deliver - What's my best choice of action? Inkasso or PayPal?

I ordered something online (~150€) from a shop that had ~30k mostly. positive reviews online. (After the fact I realized that all reviews from the last few weeks were horribly negative, though.) I ...
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2answers
125 views

Taxes on shares

I am wondering about an aspect of taxes on shares. What exactly is taxed? How is the fee of my bank factored in? (Is it at all?). I am asking specifically for the German take on this, but I assume ...
2
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1answer
102 views

Is it possible to refund semester fees via income tax return in Germany?

Colleagues at work mentioned that semester fees for the Master studies can be declared for the tax return as for the position that we have at work, having a Master degree is mandatory. Can someone ...
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2answers
210 views

Realize losses and gains at convenient time

Suppose I am long-term invested in some stocks or etfs. Consider the following two situations: 1) stock market is high, my personal income from work is low. Is it a good idea to sell (part of) my ...
5
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2answers
234 views

Stock markets and dividends: When exactly does one need to own shares to be entitled to the dividend? [duplicate]

I have a more or less formal question regarding dividends. If a company pays an (annual) dividend of - say - 5%, this is voted for/against on the annual general meeting. Now, the dividend is paid ...
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1answer
183 views

Paying the rent with profit of private investment company: What what would be the best construct?

My partner and I have rented a home in a small village and would like to stay there for many decades to come. However, I feel uncomfortable being a tenant. So, we have saved enough money to buy a ...
2
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1answer
121 views

Understanding how the german tax system works [duplicate]

I hope that you can help me understand how the German tax system works. I recently found a job in Berlin with a yearly gross salary of 68000. I am married (we are both Spanish) but my husband is ...
3
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1answer
298 views

My mother’s brother died in Germany. He had no wife or children. She is the only living sister

I would like to know if she gets half of what he had and then it is split with nieces and nephews? Or is it all the same? He had a document for his house that said the house is to be sold and will ...
3
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4answers
463 views

Does it make sense to invest in real-estate if you do not have any heir to your investments?

We are an expat couple (< 30 years old) currently living in Germany. We are wondering about the long term benefits of investing in real estate when we do not have a plan to have children of our own ...
2
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2answers
140 views

How can I practically buy bonds?

A moderately low risk of investment is a government bond. If I understand correctly, I spend €1000 on a 5-year bond at a yield of 1%, then in 5 years I get back 1000*(1.01)**5=€1051.01, unless the ...
6
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2answers
3k views

Net salary in Germany for programmers

I got an offers as a freelancer to work from Germany (the company is not German but I will live in Germany when I'll work for them). Since I'll be a freelancer in need to give them an hourly rate for ...
45
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5answers
11k views

When to stop saving and start investing?

Since I started my first job after graduating a few years back, I always saved a certain percentage of my salary each month on an extra savings account my bank offers. At that time, and until recently,...
1
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0answers
46 views

Did the German tax for share based fund drop by 30% since 2018?

In Germany is a new rule for taxing share based funds since 2018. As far as I understand it, the following rules are now in place: One has to tax pay for fond distributions. One used to pay tax for ...
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0answers
38 views

Tax on vested shared Germany (analogue of 83b election)

In the U.S. they have something called 83b election, relevant when a founder have shares that are vested. To my understanding, one must file this election shortly after the company is founded, ...
2
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1answer
191 views

Old Barn House: Hidden Costs?

Thank you in advance, I never thought about money twice before visiting this site! Background Info: Germany. I am in my mid 20s. My long term boyfriend and I make around 100k a year together. He ...
2
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1answer
125 views

Does the price per share matter for otherwise similar ETFs?

For example looking at IE00B5BMR087 and IE0031442068 (both links in German), they seem to be very similar. Both try to track the S&P 500 in the same ways, the main difference seems to be that one ...
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0answers
64 views

Capital gain tax on stocks for nonresident alien under USA-German tax treaty

I am trying to understand the tax treaty between USA and Germany but this is a pain. I am in the USA on a student visa and considered to be a nonresident alien for tax purposes. I had some gain from ...
2
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1answer
85 views

Understanding German state health insurance terms Mindestbeitrag for self-employed

According to this site, they operate with the following terms around a minimal monthly insurance fee: Beitragssatz - Mindestbeitrag EUR 1038.33 Krankenversicherung - 163,02 What is now the mandatory ...
4
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1answer
82 views

Germany - Tax implications for a full-time contract in the same year of a HiWi contract

I'm about to graduate from a German university. At the beginning of the year, I am working a HiWi (research assistant) job, and the contract ends in March. After I graduate I'm going to take up a full-...
41
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6answers
12k views

What do I need to watch out for when receiving a large sum of money as a gift in Germany?

I live in Germany. If my father would want to give me a large sum of money - let's say 10,000€ - what would be the safest, least bureaucratic way to do this? I'm an apprentice and I still receive ...
3
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2answers
297 views

Deutschland Einkommenssteuererklärung / Germany income tax return

I recently moved to Germany with my spouse and I started to work in November 2018. We got married before moving to Germany. We have both been assigned tax class IV. In my pay slips of November 2018 ...
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2answers
376 views

Why do we pay taxes on something that we can later deduct from taxes?

I live in Germany and have been asking myself this for quite some time. When I hire and pay a craftsman in Germany, I pay taxes. These taxes are paid by the craftsman to the state. At the end of the ...
1
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0answers
110 views

Amex personal savings

I opened Amex personal savings when I lived in U.S. with U.S visa. But now I moved to Germany due to my job and no longer live in U.S. For TAX reason, Do I need to send W-8 BEN form to Amex national ...
1
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1answer
181 views

Is it a good idea to buy a garden property/allotment? [closed]

If I have the capital to buy a garden property (“Freizeitgrundstück/Schrebergarten“), would it be a good idea financial wise? Are garden properties a stable form of investment? What things do I have ...
2
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2answers
53 views

Does date of sending or receiving money count for tax?

I am to receive a sign on bonus. In 2018 I earned not much money but in 2019 I will, because of the new job. My employer agreed to send the money on signing in 2018 as this makes quite a difference in ...
1
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1answer
82 views

Wrong tax class

A few weeks ago I moved from Brazil to Germany to work for a IT company. I went to the Bürgerbüro to register my residence. The employee who did my paperwork asked if I was married. I am married to a ...
5
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3answers
3k views

I still have my German bank account, but I'm not residing within the EU anymore. Can I use it to receive EU income?

I lived in Germany for 2 years (up until earlier this year) and used my Comdirect bank account to receive my salary while I was working there. Fast-forward and I leave my job and return to my home ...
0
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1answer
33 views

Identifying the field for Lohnermäßigung/Steuerfreibetrag in the official German tax deduction spec

In Germany, you can get kind of discount on your tax if you are paying for a Kindergarten. This is called in general Lohnsteuerermäßigung and gives you a Steuerfreibeitrag (there are obviously also ...
1
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1answer
80 views

Which is the correct source for the correct German Lohnsteuer deduction?

Coming from here, I have now the following data and must say I'm quite puzzled. Which value is correct now? #1 Given the reference data from a German software company specializing on tax software. ...
4
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3answers
276 views

Job offer Purchasing manager

Been talking with a lady from Germany that wants me to be a purchasing manager. Here is the info I got This work-at-home position is responsible for generation of purchase orders using Company's ...
2
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2answers
124 views

What taxes should a Middleman pays?

I have the opportunity to become a middleman (i am new to the "sport"),in parallel with my current job! I live currently in Germany and i am able to buy goods in bulk from another country (in EU), ...