Pandekage

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Everything posted by Pandekage

  1. Welp, that was easier than I expected, one hour and filed for four years. Gotta stop getting shellshock whenever I hear about another IRS requirement.
  2. Am I too late? I moved to Germany in winter of 2016 for graduate school, transferred to a German bank acct just the minimum required (around €16k give or take, for two years) and had a part time job, but as the gross income did not exceed the IRS specified amount I was informed I wouldn't have to file taxes. I graduated in spring of 2019 and started working, and yes, I filed US federal and state, claiming the foreign tax credit.   Then I literally just stumbled upon FBAR filing whilst reading an online article, and, well, guess I'm screwed? 2016 and 2017 I held a foreign account >10k USD, perhaps for a year or two the account dipped below 10k as I was finishing my thesis, and then this year it went above 10k again. But the question is: Do I still run the risk of getting penalized for filing the FBAR retroactively for previous years?  
  3. Glad it turned out alright. Is this something simple enough to do your/myself, esp. given my situation? i.e. as a student working part time, only last year working full time.   When I was still panicking after learning about FBAR I contacted the Greenback CPA office and was quoted $100 per year. Not sure if that would really be necessary.
  4. Thanks. Any idea as to how detailed the explanation for delinquent filing has to be? Something in lawyer-speak, or literally "I had no idea, was a bright-eyed expat :( "?
  5. I'm sure this has been posted thousands of times, but perhaps someone could help me with my particular search, as I'm going with the following criteria: - short-term: starting a new job in a new city, and I'd rather see how the Probezeit goes, and thus don't want to sign a 2-year lease. - furnished: see above; don't want to furnish a new place in case my stay is short-lived. - single (or zweck-WG): admittedly, I'm not the most conventionally social (I'm working on that) and don't perform well at the infamous WG castings. Hope I can leverage an advantage as an employed person (decent €3000 brutto) - no distance preference: this is the point I'm hoping can get me somewhere. I'm happy to commute up to 50 min one way into Hamburg proper, even from the neighboring Bundesländer. That about sums it up. Admittedly it's something I haven't really found a service for, perhaps if someone could point me in a good direction?
  6. I‘m currently working in Germany full time, and while I don‘t have really much savings right now (€11k) I think I have to start working my money in an appreciating manner that at least keeps pace with inflation. My savings is in a Deutsche Bank konto from my student days; I assume the interest rate is abyssmal.   What are the options for me? Are there any high-interest savings accounts that major banks offer? I‘ve heard of investing in ETFs or whatnot, but I‘ve also heard that as a US citizen most options are closed to me.
  7. I'm covered under TK, unfortunately without supplementary dental insurance, and I was recently informed about a serious case of periodontal disease (Parodontose) and recessed gums. Assuming this is medically necessary, how much does TK cover for the treatment(s)? Couldn't find info on their website.   And in addition, is it possible or worthwhole to get dental insurance with these preexisting conditions? (I have several minor fillings, as well as a root canal... yeah my teeth are a mess) If so I'm assuming I'd have higher premiums, and severely endangered teeth would not be covered.
  8. Here's another question about housing search.

    I found something in my contract:    "Dem Untermieter ist bekannt, dass die Untervermieter selbst Mieter sind und dass der Untermieter gegenüber dem Eigentümer der Wohnung und Vermieter keinen Kündigungsschutz genießt."   What does this mean for me?
  9. Here's another question about housing search.

    Thanks, I'll check with the Mieterverein tomorrow but looks like I don't have to stress too much.
  10. Here's another question about housing search.

    I hope that's true... still, I did read somewhere that there's an exception if the space needs to be given to family members or something. I'd be really pissed if I didn't have Kündigungsrecht but the woman did.
  11. Here's another question about housing search.

    If I can pose a quick legal (and moral question) about a pretty prickly scenario, if you guys don't mind:   I'm currently a subtenant of a room in a 2er WG; it's furnished and the contract lasts until the end of August. The woman who I'm subletting from is doing a study year abroad, hence the room's availability. I'm living currently with her boyfriend as flatmate.   Last week the boyfriend informed me (verbally) that due to the corona crisis the woman is going to fly back to Germany at the end of May and will need her room back. Shitty scenario on all sides, but understandable. I open WG-Gesucht back up and go hunting. Finally I find an offer yesterday, I accept (via text), and I'm excited and whatnot and go to inform the boyfriend.   Surprise! Turns out the girlfriend is actually staying until the end of June, since apparently the authorities are processing her visa and she can stay during. If it's denied, she's departing then, at the end of June. If not, she stays until the end of August as previously specified.   Sooo that means I apparently have to be on the WG search for TWO additional possible move-out dates, one for June and one for August. I'm generally understanding of the situation, but she's the one who's got a home to return to and I'm the one going to be constantly stressing about finding a place over the next two months. So, the question is, what's the Kündigungsfrist for my situation - limited duration (befristet), furnished WG room? Can I give notice early? If not, can the Vermieter give notice on her side, or can I legally stay until the end of August without worrying about eviction? Thanks so much... I am part of the Mieterverbund so I'm calling first thing tomorrow.   PS. The contract says nothing about giving notice (Kündigungsrecht), just the limited duration to August.    
  12. I'm currently searching for a WG room in my large city, and found on wg-gesucht a decent enough offer for a Zweck-WG. I contacted the flat owner, and we had a pleasant discussion on the phone, after which she invited me to visit and view the WG. Because she doesn't live in the city, the two current residents of the WG showed me around - a bit offstandish, but hey, it's a Zweck-WG. They seemed friendly enough. I decided to accept the offer, and now the first red flag went up when she said she'd send me the contract via mail, and to let her know my current contact details.   But is this a red flag? It isn't unreasonable that a flat owner doesn't live in the same city as the flat, and given the pandemic isn't inclined to travel over. Still, I wanted to pass this by you guys - does it smell of a scam, and should I insist on a particular procedure for the contract, security deposit, key transfer? Should I insist on returning the signed contract in person?
  13. Is this WG offer a scam? How to proceed safely?

    Will do! But is there anything suspicious about mailing the contract?
  14. Currently WG hunting again, and some good offers require that I take up the lease from a departing subtenant (become a Nachmieter). If I understand correctly, I'll be dealing with the landlord directly with the contracts, and the notice period is extended to 3 months, which if I'm working here for at least a year should be fine if I plan well enough. But are there any hidden caveats and things I should know about being Nachmieter for a room in a WG? If and when I do decide to leave and give 3 months notice, am I on the hook for finding a replacement tenant, or does the landlord do that?   Addendum: On sites, say, WG Gesucht, when it's stated that they want a Nachmieter, do they want a 1) Nachmieter for that room only, or 2) Nachmieter as Hauptmieter for the entire WG, i.e. if the other tenants then bail I'm on the hook for finding replacements for all the rooms and pay all the rent?
  15. Partly due to being pretty tired of WG living, and partly because I don't wanna sign a crapload of contracts myself, I've been looking at possibilities for microapartments or studio apartment complexes in Hamburg as an option, as I have to find a new place in a month. I'm currently seriously considering this place: https://hposten.de/apartments/ While the rent is certainly higher than in a WG, it follows the 1/3 salary rule, plus it's one rent that's all-inclusive. I am wondering if there are other such complexes available in Hamburg.
  16. I don't think I could be a Hauptmieter and be responsible for rooms besides my own, but I take it she has a standard 3 month notice period?
  17. I've been working and living in Hamburg for almost a year now; unfortunately my interim WG in central Hamburg is about to end, and I have 1-2 months to find a new place. Thought I'd give commuting a chance and am looking at WG offers in neighboring cities in Niedersachsen and Schleswig-Holstein.   As I've just started by researching Lüneburg, the average seems to be around €300-350/mo compared to €610/mo for my current sublet in HH. Bahn.de offers an IC/EC Monatskarte at €209 (not sure if HVV pass included). All in all it seems like an attractive option; costs aren't drastically lower but the housing competition seems lower (searching in Hamburg and Berlin was killer) and I don't mind the commute.   Thoughts as to what other cities I should look into, especially in terms of comparision between lower rent vs. higher ticket price, and if you're a current commuter into Hamburg, I'd love to hear your story.