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About Alteregouc

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  • Location Schwabing, Munich
  • Nationality Nigerian
  1. Schusterman & Borenstein - fashion clothing

    Incase anyone wants an invite:
  2. Filing a tax return - help on how to file

    Hello,   I do not know if anyone has any experience with this. In 2019 I was a working student till March when I extramatriculated. I started paying for the social contributions in April as one could not as a student. How do I indicate this when filing my taxes?
  3. Eurozone, I am not a citizen of the US. Okay thanks, i will have to think it through
  4. Good to know, i will, thanks.
  5. Good to know, i will, thanks.
  6.   Thank you, i didn't visit for a while but some people have responded. One more question as I see you are also very active in the real estate threads too. I want to buy a small apartment in about 18 months to 2 years, or when I can find something I like and can afford, I already have some money saved up and would like to use the time till then to to save up about 20% of the downpayment, do you think its best to just leave the money in a sparcard account with the ridiculous 0.001% interest rate and try and invest in ETFs and liquidate when i need it. I know the market isn't exactly stable and dependable but it seems the money will loose value just sitting in the account. I'm also happy to hear others opinion.
  7.  Thank you, my german is basic but i will still check that out, google translate always get about 80% of the gist );
  8.   Thanks @theGman, i have read all your posts and it is very enlightening, especially following the your story from start till today, congrats on the 1.500€. I will look into Comdirect's ETF sparplan as suggested
  9. Resurrecting the thread. Hi Guys, I have gone through this thread and others on investments. I just finally got around to organising my personal finance and would like to open an investment account and would like everyone's opinion on and suggestions on how to start, especially - the best depot to use - If it is the right time to start buying - Maybe ideas on ETF and/Stocks to start with.   Profile I am non-EU and non US. Don't have tons of funds  An absolute beginner Interested in investing a few 100€ monthly for long term.   Thanks in anticipation of your response.   Note: I have done  and still doing own research but will like to hear your thoughts based on personal experiences.
  10. Riester Rente vs. other pension schemes

    Hello everyone, My profile is single, no children, employee, 30, non-eu and plan to settle in Europe if not Germany. I want to sign up for Riester and would appreciate help on which is the best plan for me and of course the least expensive. I have also read somewhere that there is now an option of getting Riester via fee-based method, you just pay a one time consultancy fee instead of the huge commission. How come no one is talking more about this as I assume that will be cheaper or am i wrong? What are the down sides? Thanks in advance for your replies.