White Rose of Yorkshire

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Posts posted by White Rose of Yorkshire

  1. Everybody in Germany must have a valid health insurance there are no exceptions.


    Financial Aid from the goverment for self-employed people has been in place since April. Google Corona Hilfe and see links below.

    Unterstützung für Selbstständige und Unternehmen im November





    The Verband der Gründer und Selbständigen Deutschland e.V. has a wealth of information on their homepage and there are regional groups in most areas.https://www.vgsd.de/



  2. It depends when your Direkversicherung began, see links below. If you terminate your Direktversicherung you will have to pay back the tax  you saved on all previous payments. You can continue to pay as a private person but there will be no tax advantages. I would suggest you make an appointment with the company who deal with your Direktversicherung before you sign  or agree to anything.






  3. 10 hours ago, Taffyhereford said:

    While we're on the subject of thing we miss from the UK. My pregnant wife is constantly on about how she is going to need more clothes post birth and there aren't cheap clothes like primark here? I think she's angling for expensive brands but if there are cheap stores I can keep my eye out for?  

    Otherwise I suppose it'll be online


    I'm in Filderstadt BTW.. 


    There is a large Primark in Stuttgart and also a C&A. Both stores are in the city centre.




    Königstrasse 27-27a

    70173 Stuttgart








    The address is  Königstr 18  70173 Stuttgart but the entrance is on Eberhardstrasse.



    There is also an English shop in Stuttgart. They sell food, whisky, flags, tea cups and things and English books but are not cheap.


    Piccadilly English Shop

    Schellingstraße 11

    70174 Stuttgart







  4. I unwittingly really messed up  one of these super modern digital systems  that are supposed to save everyone time and money today.


    Some weeks ago I made an online appointment for the Hautarzt which took place today. I put my health insurance card in the little machine and clicked on the ok sign on the monitor on the wall and went and sat down in the waiting room when I was asked to come to the reception desk. The receptionist was staring at her screen and said my health insurance card was faulty. I replied I had  been to another Doctor the week before and there had been no problem with my health insurance card. Receptionist called a colleague and two people stared at the screen to no avail so a third colleague was called. All three stared at the screen until receptionist number three asked me why I had booked two appointments in the same quarter. I replied because I would be given some ointment and told to come back for a check-up in about five weeks time and almost all the appointments for this year had been taken . Receptionist number one said she must cancel my appointment in December so that the system would accept my health insurance card. I  told her I had been in this situation before and would definetly need the appointment in December and then I was called into the examination room.


    The Doctor prescribed me the ointment and said I should come back again in December. I informed her what had happend and said the receptionist had cancelled my appointment. Dr went to the reception desk with me and confirmed that I must come back in December for a check-up. I went out grinning like a cheshire cat.  


  5. As stated in the link below, you don't have to sign a Kündigung at all. You can sign a declaration that the notice of dissmisal was handed to you on date xxxx.

    Saturday 31st October was the last day of the month, did you wife work on this day? If not, the Kündigung should bear the date it was handed out, There may be some legal issues here concerning the notice period even though the Kündigung is fristlos. It is important that the letter be dated 02.11.2020 because of the three day rule of notifying the Arbeitsamt within three days of receiving a Kündigung. The people at the Arbetisamt will be able to advise you what to do.

    Depending if your wife is registered as  a full time self-employed person or as a  part-time self-employed person -Nebenbeschäftigung you wife needs to contact her Krankenkasse. 


    If your wife worked for longer than 6 months at the restaurant she is entitled to a reference. If she worked for less than 6 months she is entitled to an Arbeitsbsbescheinigung.


    Last but not least, these are hard times for everybody but particularly for self-employed people, it could be that the employer is not aware of the importance of the date etc. 


    You will find more information in the link below.



     Disclaimer: I am not a laywer.




  6. 18 hours ago, galego said:

    The document I've been handed is titled 'Abwicklungsvertrag' but it states quite early on 'Die Parteien sind sich einig, dass das zwischen ihnen bestehende Arbeitsverhaltnis durch die von der Gesellschaft am xx.xx.xxxx ausgesprochene ordentliche Kundigung aus dringenden betriebsbedingten Grunden fristgemass mit Ablauf des xx.xx.xxxx endet'


    ..Die Parteien sind sich einig ... means that both parties agree to the dismissal. If you agree to your  contract being terminated and you receive a redundancy payment, you may have to face the first few months without any financial support from the Arbeitstagentur (AA) and have to pay your own health insurance etc.



    In case of a dismissal, the employee does not have to sign anything. The company may ask the employee to sign a form stating that on day xxx the employee received the Kündigung. This is to prove that the employee was given the dismissal within the notice period.



    Have you already registered with the AA? You have to register within 3 days of receiving your notice.  Make an appointment and take a copy of your dismissal notice, passport and  a document  showing membership of your health insurance- Mitgliedsbescheinigung. The people at the AA will advise you what to do concerning your signature on the document and if you will be given financial support from day one or at a later date.



    Regarding your holidays, does you contract end at the end of the month or end of the quarter. If you have more holidays than working days, the remaining holidays can be paid out.   













    On 3.10.2020, 09:59:58, Waschbär said:

    When grandma was alive she had been collecting her retirement and grandpa's pension (totaling over 1500 euros per month, for more than 20 years). Each month, my partner's mom would withdraw some cash from the bank for grandma. Because it was more than grandma needed, she gave both her children a small monthly "allowance" when they visited or came over to do errands.



    Maybe I am the only one here who sees things in a different light.


    Why was more money taken out of the account then Grandma needed? If it had been left in the account it would have gained interest each year.

    To give her children money for visiting their own Grandma or doing little errands for her leaves me speechless.  



  8. If an employee is ill for more than 42 days because of the same illness within a 6 month period the employer will stop paying the salary on the 42nd day. The 42 days do not have to be continuous, there could be 20 days in one month, ten days in another month and so on. All calendar days are counted , public holidays aswell as Saturdays and Sundays.

    As the employer is not allowed to know which illness the employee had, the Krankenkasse informs the company when the 42 day period has been reached. The Krankenkasse sends a form to the employer stating that the employer does not need to pay the salary as of day xxxx. The employer then fills in the form stating length of employment and salary of the person and sends it to the Krankenkasse. 

    All sick notes must be sent to the employer and the Krankenkasse, failure to do so could lead to a loss of earnings.   


  9. Sorry but the rules are not different when there is no other place to go, they apply to everyone.


    There is nothing to stop you working from home but you will not be able to get a tax reduction if you do not have a separate room for work purposes.


    „Costs for home office are only deductible when it is a separate room and when it is exclusively used as home office. When you only have a working space e.g. in your living room, you cannot deduct any costs.“




    Have you thought about renting a space by a co-working company?




    6 hours ago, FlipFlop123 said:

    I work as a full-time employee with a firm in Frankfurt, and I was recently told that "it would be best if I find another job". 



    If they only told you to look for another job, they want you to save them all the work and hassle of terminating your contract. You can only sue them if they ignore the notice period or the reason for the termination is not correct, so you need a written document.


    Does your company have a workers representative? 



  11. A 90 year old lady was intially refused entry to the local zoo because she had not registered online. She informed the security guards that she had been an annual card holder for over thirty years and could not use a computer and had no relatives who could do that for her.

    The lady stood her ground and was eventually allowed in.














  12. You need a Gewerbeanmeldung if you plan to become self-employed. After the registration the Finanzamt will be informed but it is better to make contact with them yourself. You must inform your Krankenkasse about your change of status and also what you expect to earn this year.


    At the end of the year you must submit a tax return  and next year you must send a copy of the  letter from the Finanzamt to your Krankenkasse. They will check what you paid in 2020 and according to the verification about your annual earnings from the Finanzamt you may have to pay the difference to the monthly contributions already paid based on your expected earinings. and the amount  you should have paid if you earned more than you expected.  

    Will you be obliged to be  a compulsory member of any organisations ?         









  13. There will be an alarm signal in all Federal States on 10.09.2020.


    The alarm signal will be used in future to warn about things like terroists attacks, chemical spills, nuclear accidents and flood warinings and will take place every year on the second Thursday in September.


    In Baden-Württemberg the alarm signal will begin at 11.00 a.m. 





  14. As others have correctly pointed out, your current employer must first deregister you from the health insurance etc. If this does not happen and you intend to commence work at your new job, you will be paying double contributions and as already mentioend you will be classed in tax bracket 6 so you will have a lot of stoppages. When your health insurance and all the other organisations discover what has happend, you will have a lot of explaining to do.


    Regarding the losses incurred by your employer because of you not giving two weeks notice you are on the wrong track. Your employer planned on you working for him/her. If you do not turn up for work your colleagues may have to work overtime to do your work. Also, your employer must look for someone to replace you,  advertise the vacancy, spend time looking for a successful candidate and inviting people to interviews. Drawing up a new contract, obligatory talks with the workers council if you have one. These costs are caused by you if  you break the terms of the contract. Normally, there would be at least a two week notice period to do all these things and usually you would finish on the Friday and the new person would begin on the Monday.


     Last but not least, in Germany you have to show all your references to all future employers for the whole of your working life. The reason for leaving the company is also stated in every reference. If it is stated that your contract was terminated on xxxx and your leaving date was not within the normal period of notice this will set all alarm bells ringing by future job applications.  BTW: Your employer is legally obliged to give you a reference or an Arbeitsbescheinigung when you leave the company.  




  15. Three Coldstream Guards investigated by police 'over fight with royal footmen'


    „Royal footmen perform a range of duties including serving meals and opening and closing doors.


    The source claimed: "All of a sudden it was a full-scale punch-up. And the soldiers were more used to fighting than the footmen are. They got quite badly injured."




    How shocking, I wonder if they will all be sent to the Tower.:D


  16. Solvit may be able to help you.


    "SOLVIT is a service provided by the national administration in each EU country and in Iceland, Liechtenstein and Norway. SOLVIT is free of charge.

    It is mainly an online service. Although there is a SOLVIT centre in each country, the best way to contact them is via this website.

    SOLVIT aims to find solutions within 10 weeks – starting on the day your case is taken on by the SOLVIT centre in the country where the problem occurred."






  17. „On 12 June 2020, the federal cabinet adopted the first extensive measures that form part of the stimulus package, which takes decisive action to tackle the economic effects of the Covid-19 pandemic. The measures that were adopted include a temporary reduction of VAT rates in the second half of 2020, a €300 bonus for families with children, improved depreciation rules for businesses, and an extensive short-term aid programme for small and medium-sized firms.


    These actions are key elements in the €130 billion stimulus package that was agreed between the parties in Germany’s governing coalition on 3 June 2020. The package is comprised of targeted measures that are designed to give the economy a powerful boost, to safeguard jobs, and to guide a modernised Germany into an environmentally sustainable future.


    The draft legislation adopted by the cabinet will now be forwarded to the German Bundestag for deliberation. The cabinet will decide shortly on additional measures that will form part of the stimulus package.“







  18. My husband became seriously ill in December and Christmas just seemed to pass us by. I was doing  some spring cleaning today and came across a large tin filled with minature chocolate Father Christmases and other christmas goodies, all of which are still edible. We have been watching tv and eating the christmas goodies this evening and it was great.


  19. Please do not put the Parkschützers and the rioters in the same category. There is absolutely no excuse for the riot in Stuttgart yesterday or the attack on the police  officers.


    FYI: The parkschützers were atttacked by a police force from Bavaria. German police never deploy the local police force for such things as they may have to deal with their neighbour or their child‘s teacher. If you don‘t know the people you are dealing with you act differently.