Smaug

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About Smaug

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  • Location Frankfurt am Main
  • Nationality Spain
  • Hometown Madrid
  • Gender Not Telling
  1. choosing bank account

      My UK bank (Nationwide) is also a bit of a pain. I need to have my debit card and my Nationwide card reader with me to be able to do online banking (no phone). 
  2. choosing bank account

      N26.com has TransferWise built in (https://n26.com/eu/transferwise/).     
  3. 0.0% Credits

      Any kind of loan affects your Schufa. Generally, after you take a loan (it could also be a "potential loan" like a credit card or an overdraft agreement with your bank) your credit score will go down.
  4. @osunax  Sorry, I have no idea what they'll do. I'd imagine that they'll send you a form from the court asking you to disclose your employment details, assets, etc. so they can raid your bank account or get the money from your paycheck. I never heard of anyone having their residence broken into on account of the GEZ.   If you are worried why not asking them to reschedule? Surely it's reasonable that you are not always at home. Do it in writing so that there's a record of you asking them.
  5.   Illegal regardless of marriage. Even landlords who legally evict tenants can't just throw their stuff on the street--they must put it in storage.
  6. It may be cheaper to get a Payoneer pre-paid card. It's open to US residents and you get a European IBAN that accepts third party payments.   If you don't mind doing something slightly shady, you could try and convince Revolut.com that you still live in Germany. Their pre-paid card rocks: it's free, accepts euro, sterling and US payments and performs commission free currency conversions at nearly perfect rates.
  7.   In most cases, it's 8 years, but it's 5 for refugees, and only 2 for nationals of Latin American countries, Guinea, Portugal, Andorra or the Philippines.
  8. What's got you flummoxed today?

      and we think ARD and ZDF are bad! 
  9.  I am thinking I might go to the demo. I have nothing on that weekend. Any other TTers up for it?
  10. @lisa13   Well, not exactly falsified. The way my bailiff seems to work is that he just fills in "I buzzed. Nobody home" while sitting in his office, probably because it's more comfortable to do it then than while you are standing outside someone's door in the cold. If (surprise, surprise) someone buzzes him in and says "come in to the 2nd floor". He crosses it out and enters the new information.   His paperwork showed that it was his second visit, but I never new about his first visit. I received neither a notice that he was coming, nor a notice that he had been and I wasn't home. My gut feeling is that he made that one up.
  11. @osunax In my case the bailiff came around and I buzzed him in and told him how to find my flat. Two interesting things happened.   1. He had already filled out the paperwork with comments along the lines of "he was not at home, so I couldn't get in". He crossed all of that out and proceed to fill in the new details. That tells me that in the majority of cases the bailiffs are not let in so they pre-fill in their forms while in the comfort of their office to reflect that.   2. His paperwork showed that he had turned up at my place a couple of weeks earlier, but I never got a letter announcing that visit. He didn't comment on that although I told him that I had no idea he was going to come that first time.
  12. @jeba I don't think you've understood the post. It has everything to do with where you live as a pensioner. If you are living as a pensioner in the EU, non-German qualifying years count, but if you live as a pensioner outside the EU, they don't and you'd be drawing lower payments.
  13. Investing in American stocks

    Like fraufruit says. With the Solidaritätszuschlag and church tax (if applicable) it comes up to a bit over 25% but it's a flat tax (it doesn't matter what your effective tax rate is) and it just get deducted automatically (assuming you are using a German broker), so it's pretty simple.