WhyNot_DE

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About WhyNot_DE

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  • Location Stuttgart
  • Nationality Portuguese
  • Gender Male

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  1. Filing a tax return - help on how to file

    small bump if this was lost in the mix 
  2. Filing a tax return - help on how to file

    Another year another set of questions to @PandaMunich or anyone that may help     Situation last year Wife was in Elternzeit although in the Bescheinigung still shows a very small amount of "Lohn" which I don't know where it comes from, nevertheless I put in Anlage-N  -There is an entry in Lohnsteuerbescheinigung (line 15) about Muttershaftgeld that I wrote in line 28 from Anlage-N (Lohnersatzleistungen  )   But now I do not know where to put: - Elterngeld received by wife (directly from the state) - Shall it go in same line ? - I had prepaid a portion of taxes due to owe more than 400€ last year, shall I write this somewhere? I did 2 payments during last year and one this year, shall I write the total, or nothing? - Kindergeld has to go in Anlage Kind?   Thank you very much for the inputs, I hope I am missing only these 3points to finish this year's return (pretty basic otherwise)   WhyNot
  3. Best way to avoid taxes

    Guess this is the result of Schäuble stating Centeno was the "Ronaldo from the Eurogroup"  EU needs a common tax agreement if doesn't want to collapse in the next decades.    
  4. thank you, was just clarifying!    
  5. Thank you @El Jeffo shall I make a reference to some law about this "Sonderkündigunsrecht" ?    
  6. Hello,    today I got a letter saying that from the 01.03 the price of my service is going to increase - same contract and same Laufzeit according to the letter.    my question is if this is a valid reason for cancel my contract. I have been wanting to do this for a while now.    Thank you     
  7. Schufa - the German credit rating system

    Once again thanks,    I am not sure about this "dispo" will check it as soon as possible.   Like you say I am frustrated, mainly when I have colleagues who just landed here and get a CC and so on. I just want to understand where did I screw up because ultimately it may be my own fault   Thanks
  8. Schufa - the German credit rating system

    Hey @Smaug thanks for your tips,    I do not move since 2013 previously only other address in Germany. I had only other bank account but since 2015 I have a joint account with my wife and a phone contract   Your last point makes sense and I didn't realize this. Around 2014/2015 I made a couple of attempts to open DKB account and at the time DAB (now Consors) and an attempt with Postbank to get a CC. They were all rejected without any specific reason, but after some research I assumed it was my Score and that Visa/Mastercard were rejecting the application.   All these "attempts" have expired in Schufa and I am working with a Prepaid-card, which is fine, but sometimes unconvenient while on business trips and whatnot.    I am just clueless on why this is the case, it is not a huge problem so far, but I plan to take a loan for a house and so on, and then the higher the score the better   Thanks again for your inputs
  9. Schufa - the German credit rating system

    Does anyone had the score "unchanged" for a year? My score is currently under 97% for the past year (I get quartly updates) and I can't understand why. VISA won't give me a credit card cause score is low (I suspect) therefore I can't "build" credit history.    Will Schufa give me any further information on why or if there is something I am missing for my score not being increased? or does everything lies under the "secret formula" for calculating this?   Thank you      
  10. Good news overall, hope it is not so they increase 0.5% next year. I had the idea that many Insurances were complaining that premiums were not enough to pay the coverage. seems this news say the opposite.
  11. A discount is always good news I would say. half a pint per year as it may.. @john g. were there any reasons given on the why this is made ? 
  12. Investing long term for child

    Thanks @jeba those values would be very nice but won't happen for now at least. anyway it is good to have the knowledge about this. Now just the investment plan and where to put the money in are the questions   Thanks once again
  13. Investing long term for child

    As always, thank you @PandaMunich I was travelling and had only the time to green your post. I will continue to dig this, but the values mentioned seem well within our budget   Nevertheless If I start this it will be in 2018 so hopefully I will have all year before filling 2018 tax return.   I still don't get my head around about investments, so I will rather postpone this.   Thank you once again
  14. Investing long term for child

    Hello,    I would like to know if it makes sense and what the legal implications of opening a "Depot" account in name of my son  The idea would be to invest long terrm, and as he will need the money hopefully only in a couple of decades, a little bit more risk and swings can be taken.   Now, if I do this, what are the taxes implication? do I have to fill a separate Tax-return on his name? Can this affect his "kindergeld" because he gets his own "wealth" ? Also, if it makes a profit and I have to cash it out, is there implications on what amount he can transfer back to his parents?    I know there are a few investment advisors here, which I highly appreciate, but I would like to know if it could be an option where a financial advisor depicts a strategy and investment plan for a fee but I do the transactions myself or I open the accounts myself - which type of fee would be reasonable to think? (a lump sum or percentage?)  Mainly through my searches I fail to comprehend the differences of investing xamount per month or save this amount and do one transaction per year (which one would be easier on costst) ?     sorry if this is a bit confusing, but that is how I feel at the moment  happy holidays  
  15. Difference between due tax and Grundtabelle

    hello @PandaMunichsorry if this is too. obvious but that is then the blue line (been trying to ask this for ages now)   Thank you