Sumarokov-Elston

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About Sumarokov-Elston

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    Zeb

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  • Location Osnabrück
  • Nationality Scottish
  • Gender Male
  1. Filing a tax return - help on how to file

    I have filled out my first ever tax return for 2020 on Elster and while it says I have not made any mistakes and can send it off, I remember being certain I had made no mistakes in another country, only to find I had somehow filed myself as a special category of citizen entitled to benefits from being a "victim of the Chernobyl nuclear disaster" (which I was most certainly not, how that came about I do not know)... So thought I would just check a couple of non-complex things here in case anyone can uncover any potential mistakes I have made.   1. When filling out the form on health and pension insurance (Anlage Vorsorgeaufwand), the only thing I pay is my statutory public health insurance every month. So I filled in Beiträge zur inländischen gesetzlichen Kranken- und Pflegeversicherung and specifically Zeile 16 Beiträge zu Krankenversicherungen - ohne Beiträge, die in Zeile 11 geltend gemacht werden - (zum Beispiel bei Rentnern, bei freiwillig gesetzlich versicherten Selbstzahlern). It wanted me to also fill in Zeile 18 Beiträge zu sozialen Pflegeversicherungen - ohne Beiträge, die in Zeile 13 geltend gemacht werden - (zum Beispiel bei Rentnern, bei freiwillig gesetzlich versicherten Selbstzahlern) so I just filled it in as “zero”... correct?   2. My only source of income was from abroad and so I filled in Anlage AUS. The Finanzamt told me exactly where I should put it in the AUS form and I asked them tons of questions, so no issues there. I was not sure if I should replicate everything in Anlage S, but in the end left Anlage S completely blank, because I had no Gewinn or any other income actually associated with Germany, just everything that fell under Anlage AUS. Correct?    3. This is only a minor thing, but throughout the form, next to my name, was always a second section for Ehefrau / Person B. I am single, never been married, live by myself, so I wondered if I had left something out of my basic information on this subject right at the very start, to explain why this was always cropping up? Or is this just the way the templates are constructed?  
  2. Changing Bank - is internet banking a viable solution

      I opened an account with Fidor and so far found that they are good. When opening a new account, I always ask questions of their support at an early stage to test out the response time and quality of service and Fidor were good (they also have an online forum). You pay five euros a month for account maintenance BUT if you use the account ten times a month you get credited five euros (so just use it at the bakery each time you buy a loaf of bread or at the supermarket buying small things). The card is both Maesto and MasterCard at the same time (you choose at the till which one you want to go with, although the MasterCard account is really more like a debit card).   I am with Commerzbank, but they are shutting branches, so they are not really different from any of the internet banks. I live in the middle of nowhere and the branch in the nearest town is not even staffed. I am seriously even thinking of switching to the local Sparkasse as my "bank where you can physically go round if necessary", though may switch to Comdirect instead.   I have an account with N26, but am not totally happy with them. One thing you might consider is Wise. They give you a card for 8 euros and seem good if you are transferring between currencies. Support is very good with them. They are NOT a bank, so 100K euros is not protected, but they are backed up by quite big capital (so just do not use them for savings).        
  3. Buying index funds in Germany

    I am not interested in mutual funds, but in ETFs (and some stocks as well). So far, I have just been using apps. Trade Capital is very user-friendly, although Scalable Capital has far more purchase options.   I am happy to use apps for small amounts, but would not like to use them for a larger sum, say 100 K.   Are there any options that people can recommend where you can feel a bit closer to your money (even if you have to pay a bit more for this)?  
  4. Connectivity problem using smartphone with Homespot

    Many thanks. I will try what you suggest.   I was also looking at this. Do you think these are viable suggestions?   https://consumer.huawei.com/za/support/content/en-us00434874/  
  5. Connectivity problem using smartphone with Homespot

    Hi, many thanks. My internet speed is all over the place. 2.9 Mbps one minute, 4.0 Mbps the next, then 2.1 Mbps, then 2.7...   This morning I was unable to do an online verification; this afternoon it worked without a hitch.    
  6. Hi. I have noticed that the people on here are very clued up technically on internet and broadband issues. I am not tech-savvy at all, so I am posting here to see if I can get any advice.   For internet at home, I signed up for Congstar Homespot, which I have found to be very good, especially as I was moving addresses and you can change for a payment of 20 euros. I am using my own Huawei E5776S router with their SIM card, rather than buy a Congstar router, as I had it anyway. I notice that I only get two bars at most of 4G (on the router page information), but the full five bars shows on my PC. In any case, I do not notice any issues with connectivity, as I am pretty limited in what I do online anyway and so my PC works just fine.   However, I bought a Nokia 5.3 mobile phone and I have noticed that things like video conferencing are seriously slow when I try it through this home Wifi connection. Same with downloading anything. So can someone suggest: is the problem here likely to be down to the mobile phone itself or the router?   The reason I am asking is that knowing the probable reason would help me to better solve the problem with the connectivity problems on the smartphone, i.e. get a better router for the Homespot or get a separate mobile-phone deal and SIM card for when I need to use my smartphone (rarely, it has to be said)?   Thanks for any insights.
  7. Brexit, New residence permits

      As far as I know, you are even fine applying AFTER 30th June, as it is more a case of taking up rights enshrined by law, as it were. If you apply after this date, it might make things harder overall, but you keep the same rights you always had. This is specific to Germany, of course; other countries are a different case.   For my part, all I received was an acknowledgement from the local office that they had received my email declaration and a sentence that they have a high volume of mail, so usually take a couple of weeks to answer. But I left it until I moved to a different Bundesland this month, just so as not to avoid any confusion over applying to one office and then being registered elsewhere (although it is stated in the official advice that this is not a problem).   Because this is not a pressing issue, really, in terms of "rights", I can imagine that the Brits applying for residence are not treated as urgent compared to potentially more pressing business at these offices, so are put on the back burner...
  8. Wonderful, it works. Thanks so much. I was confused as it was prompting me to tick both.    
  9. I am a freelancer (translator) and filling out the above form on Elster. I had four "mistakes" when I reached the end and checked everything, managed to solve three...   But I cannot get my head around the final "conflict". I think it might be linked to whether I should tick the following boxes or not:   Kleinunternehmer-Regelung  Hilfe zum Begriff anzeigen Zeile 134 Der auf das Kalenderjahr hochgerechnete Gesamtumsatz wird die Grenze des § 19 Absatz 1 UStG voraussichtlich nicht überschreiten. Es wird die Kleinunternehmer-Regelung in Anspruch genommen. In Rechnungen wird keine Umsatzsteuer gesondert ausgewiesen und es kann kein Vorsteuerabzug geltend gemacht werden. Hinweis: Angaben zur Soll-/Istversteuerung der Entgelte sind nicht erforderlich; Umsatzsteuer-Voranmeldungen sind grundsätzlich nicht zu übermitteln. Zeile 135 Der auf das Kalenderjahr hochgerechnete Gesamtumsatz wird die Grenze des § 19 Absatz 1 UStG voraussichtlich nicht überschreiten. Es wird auf die Anwendung der Kleinunternehmer-Regelung verzichtet. Die Besteuerung erfolgt nach den allgemeinen Vorschriften des Umsatzsteuergesetzes für mindestens fünf Kalenderjahre (§ 19 Absatz 2 UStG); Umsatzsteuer-Voranmeldungen sind monatlich in elektronischer Form authentifiziert zu übermitteln. However, when I try ticking these boxes, I get:   Die Felder 'Der auf das Kalenderjahr hochgerechnete Gesamtumsatz wird die Grenze des § 19 Absatz 1 UStG voraussichtlich nicht überschreiten. Es wird die Kleinunternehmer-Regelung in Anspruch genommen. In Rechnungen wird keine Umsatzsteuer gesondert ausgewiesen und es kann kein Vorsteuerabzug geltend gemacht werden. Hinweis: Angaben zur Soll-/Istversteuerung der Entgelte sind nicht erforderlich; Umsatzsteuer-Voranmeldungen sind grundsätzlich nicht zu übermitteln.' und 'Der auf das Kalenderjahr hochgerechnete Gesamtumsatz wird die Grenze des § 19 Absatz 1 UStG voraussichtlich nicht überschreiten. Es wird auf die Anwendung der Kleinunternehmer-Regelung verzichtet. Die Besteuerung erfolgt nach den allgemeinen Vorschriften des Umsatzsteuergesetzes für mindestens fünf Kalenderjahre (§ 19 Absatz 2 UStG); Umsatzsteuer-Voranmeldungen sind monatlich in elektronischer Form authentifiziert zu übermitteln.' wurden gemeinsam angegeben. Dies ist unzulässig.   The thing is, I hate filling out tax forms (HMRC are the same) when you are just a freelancer, but you are "pretending" to be a business. So I am wary of ticking them, even though the system is suggesting this is where the solution might lie.   I should add that this will not be the end of it and, even if someone can provide authoritative advice on the above question, this will probably inevitably lead to a second question.   For reference purposes, I just do the occasional translation or two to earn a few thousand euros. Otherwise, I am living off savings (but obviously I still need to fill this out).    
  10. Changing Bank - is internet banking a viable solution

    To be honest, I have been thinking the same thing myself recently. I am quite an "old school" person, but I have been looking into Fidor Bank and Wise (formerly Transferwise).  
  11. Changing Tax ID numbers (Steuernummer)

    Can someone help with the following question?   I am trying to change my address on Elster, as I am moving to a different Land (from Niedersachsen to Nordrhein-Westfalen).   I have a Steuernummer in the FF/BBB/UUUUP format.   But Nordrhein-Westfalen uses the FFF/BBBB/UUUP. Elster will only let me choose four (UUUP), but I have five (UUUUP).   So which four of the five should I choose? Omit the first or the final digit? I think the final, but I am not sure (my first is 0 and my last is also 0).  
  12. Filing a tax return - help on how to file

    I am currently using Steuer Go to fill out a tax return for 2020, because I was under the impression that it could handle foreign income (from freelance work).   My situation is quite tricky. I was only in Germany for the last two months of 2020. Before then I was all in the UK. My single source of income in 2020 was from a third country and was when I was in the UK. But obviously, I still need to supply all the details to my Finanzamt.   As I understand it, my aforementioned one-off payment for freelance work would qualify as "Form AUS (foreign income and taxes)", right? Not "Form S incl. Form EÜR"?   But the prompt on Steuer Go tells me "The following income tax return forms are not available: Form AUS - Foreign income and taxes"   So should I be using different software to fill out my tax form, one which supports Form AUS?
  13. Certificate of tax residency

    I am bumping up this thread, as I have been asked to provide a Certificate of fiscal residence (i.e. Ansässigkeitsbescheinigung) by a foreign institution before they can pay me for doing freelance work for them. This is because they are very strict/afraid of their own tax people.   I have done this before with HMRC and it does not seem complicated in Germany.   The thing is this. The foreign institution want to pay me in the forthcoming months, for work I have already done, but ask that I provide them with a certificate already covering that period, i.e. in advance.   I am not sure if the German tax authorities will do this? I have just moved (end of last year), have the tax number and all, but I will in theory (in my mind) only become a tax resident once I reach the middle of this year. For example, how do the tax people here know that I will not leave before then and so not be a tax resident (I do not even know myself).   I am asking in case anyone has experience of this and knows if I can get this. I see that the German version is slightly different from the UK certificate - it does not list any dates, it just seems to say "in Deutschland ansässig ist/is resident in Germany"...   I can provide further information if I have not been terribly clear. Thanks.