finance

And you thought you were being praised. German certificate of employment Arbeitszeugnis

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German certificate of employment Arbeitszeugnis is a carefully coded document to be studied with a list of words and expressions.

Knowing the German language fully is not only knowing the words and grammar. Because hints play a huge role in German. They never speak their mind directly. A direct statement is often perceived as aggression, or a threat, or arrogance. This is not surprising, because if, as you will see later, a negative characteristic is hidden under the indication of punctuality, then the mind, looking for subtext everywhere, will see an insult in simple direct criticism.

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Grundsteuererklärung – real estate declaration in Germany

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The Grundsteuererklärung real estate declaration in Germany, although it took a long time to prepare, does not have good explanations with examples. It took me two weeks to fill out, understand and order the papers.

If you haven’t started filing a real estate declaration yet, do it now. The time is already approaching the middle. The declaration must be submitted by everyone who owns real estate (apartment, house, garage – in whole or in part). Even apartment owners own some land (Grundstück).

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How to change health insurance in Germany

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Health insuranse in Germany

We have already found out how the contributions to the state health insurance are formed, who is obliged to have it, and what exactly of the medical services we are paid for, and for which we will have to pay extra. Now let’s find out how to change health insurance in Germany if another insurance promises a lot of free additional services or if the old one does not suit us with its service.

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Credit cards in Germany

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Credit cards in Germany are the second vital issue after Girokonto. Everyone wants to effortlessly buy online or book. But before we plunge into the world of credit cards, let’s see if we can do without them.

What is Girokonto in Germany
Sale of used items (Privatverkauf). Private warranty
What is allowed to do if you are sick without to be fired
German tax refund – What I can claim to return. I-N
Renovation cost in Germany. Who pays

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Prescription in Germany. Red, blue, green prescriptions – when you must pay

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What does red prescription in Germany mean? How much do you need to pay extra for medicines and other medical services? What a green prescription is? How to find a medicine in Germany? These questions we answer in this post.

From 2022, the prescription in Germany is issued in electronic form. At least theoretically, there is such a possibility. Whether there is practically this possibility in praxis – one must ask. It will useful in Internet-pharmacies.

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Tax declaration Germany. Anlage EÜR

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Filling out Anlage EÜR was not so easy. I once thought that Anlage EÜR is a simple piece of paper with two columns: “Income” and “Expense”. It turned out that this is such a concentrated declaration, where much of what is in a regular declaration is repeated, only in relation to entrepreneurs. Anlage EÜR even has its own applications.

But despite its formidable size, filling out the Anlage EÜR is always presented as the biggest advantage for small entrepreneurs – compared to the dreaded and scary accounting.

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What is selbstständig, Unternehmer, Honorar, Firma in Germany

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What is selbstständig and how does it differ from Unternehmen? Selbstständig in Germany is an individual entrepreneur with a small business, as opposed to Unternehmen with a bunch of employees? Freiberufler is a freelancer or not only? And if I work for a Honorar – am I a Freiberufler? Let’s take a look at the statuses.

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Sale of used items (Privatverkauf). Private warranty

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Once I met in an ad for the sale of used items a postscript about private warranty in large letters and with exclamation marks: “In accordance with EU law, every private seller must write that returns and replacements are not made and nothing is guaranteed.” Since I have not met with such a duty, I decided to investigate this issue.

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What is new in Germany 2022

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Let’s see what awaits us in the new 2022.

There are changes in social, pension and tax calculations that do not depend on the will of the average person – the tax scale changes slightly, the tax-free base increases, the pension scale is moving, and so on, so I will not consider them.

First, about what did not fall into the category. On May 15, a selective census of the population will take place – it was postponed due to pandemic.

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