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About java10

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  • Location Munich
  • Nationality Bosnian
  • Gender Male
  • Year of birth

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  1. Steuerklasse 4-4 vs. 3-5

      Tax classes only determine how much tax is pre-collected when both of you receive salary. The 3-5 combination is better if you care about the net salary amount and don't care about the possibility that you might be obliged to pay any difference on the total tax due to the Finanzamt at the end of the year.   If you, however, don't mind how much net you get every month (in which case the tax prepayment roughly corresponds to the exact tax amount due per month), then I would suggest 4-4, because in this case you also wouldn't be obliged to make the yearly tax return.
  2.   52 EUR? Sparda Bank? That is the exact amount of how much they require upon opening an account to serve as some kind of "investment" during the period you have the account with them. Upon account cancellation, the amount should go back to you.
  3.   It wasn't actually too far away from Munich - cca 430 km, near Frankfurt. And I got a great car with (110.000 driven), which would cost at least 1000 eur more here in Munich. The trip and the related expenses cost me around 100 eur because the owner let me take the car on the existing plates (we arranged that I come on Saturday so yellow 5-day-valid plates weren't an option).
  4. Ok, I bought the car.   It came with 19" Rotor Audi wheels (summer tires), and black foils on the rear windows. Now, the owner claims he bought it like that from a company that bought the car as new. Nowhere in the papers are these wheels mentioned - only 16" (twice) are stated in the Teil II (I don't know the word for this, but it is what you give to a policeman along with your driver's licence when eg. pulled over).    I did a bit of research and saw that B8 model can come with this type and size of wheels. If so, should then the size be mentioned in Teil II booklet? Also, he made in April a new TÜV - could it be done if the wheels and the foils were "illegal" on the car, do they check that?   Wheels:
  5. Cheapest car insurance

    Any fresh updates on good car insurance companies / offers in Bayern?
  6.   Thank you for your input. Do you remember how long did it take and how much you paid?
  7. Hello,   I don't know much about used cars and I am next week about to go for a trip of 400+ km to take a look at one which I really like and is what I'm looking for (Audi A4 B8 Avant - EZ 12/2012).   Now, I actually won't be able to take anyone experienced enough with cars to be of any help. I was thinking about taking the car to an ADAC Werk and the owner agrees (as long as it's an independent "garage").   - Has anyone done this before and what were the experiences? - What do they specifically inspect - is there a standard procedure or they check what I tell them to check? - Do they check if the car was wrecked/in an accident and fixed? - Do I need an appointment with them? - How much does it cost?   Thank you for any input!
  8. Worst jokes ever

    I recently earned my second million. I guess that makes me a billionaire now.
  9. There is not a recipe or a set skills list for one to check every item on the list and say: Now I'm ready! to start as a freelance consultant / software developer. But, there have to be people who have worked with or even hired freelancers within their (own) company and might have some useful insight.   One thing is for sure, it would be pretty difficult to land that first freelance contract. On the other side, does not everyone start just like that and somehow manage to get that first, then second, then...   I've been thinking about this for quite a long time. Even before I came here and started working as a soft dev I knew one day I will want to try it (in my 20es I worked as a front-dev through freelance web platforms, namely oDesk, now Upwork) and I already know some of the "pros" and "cons" of it. I am not very experienced, but am still wondering what it would take in terms of skills and experience for someone to start - generally speaking.
  10. All Boeing 737 MAX Aircraft Grounded

    This old chap seems to be very interested in the story. I watched some of the short videos on his channel and got a good insight into what is wrong with MAX's, so it may be useful for anyone who needs the same:
  11. got a parking fine

      This sign does not mean "no parking", it means "Stopping prohibited" or something along that. There is a similar sign but with two lines crossed which means "Stopping and parking prohibited"
  12. Americans who speak Elizabethan English

      I am not a native English speaker, but If you pay attention, you will too notice that Brits tend to put this non-existing "r" as a "bridge" only between a word that ends and the next one that starts with a vowel. Hence "America-r-is a funny country."
  13. Basically, there is a progressive tax rate for one's total income in a year. See here:!/ Now, your salary is taxed according to your tax class and the amount of tax paid on salaries during the year will be considered as tax pre-payments when determining your total tax due (according to the above calculator).   Anyway, your rental income will not cause your salary be taxed more - it stays the same. But, it will certainly raise your tax liability (and also cause the tax rate to go a bit higher) in the end.   Do this simple calculation with the above calculator: first enter 40.000 € (for example, your taxable income from your daily job) and see what the rate is. Then add the additional 8 k (so now 48.000 €) and you will notice the tax rate went slightly up.
  14. German car insurance and foreign no-claims bonuses

    Reviving this old thread. We as a married couple are considering which one should register our future car.   One spouse had a car registered (in our homeland) in their name for 4 years (50% bonus) and one additional year (35% bonus). The other one had 8 years with 50% bonus. (both could obtain a translated paper to prove this)   Now, since the preferred option would be the first listed spouse, how much of a difference in insurance amount might be expected (+/- 100 €)?
  15. Tax return for non-Kleinunternehmer self-employed

      Thanks for the reply, sounds promising. If anyone else has experience, please post.