Family of six moving to Garching area - schooling/budget questions

66 posts in this topic

Just now, RedMidge said:

Hope they are not bringing large dogs over as well!  As lovely as our canine friends are- many landlords  will prefer no dogs.

Would  the 6 month  Probezeit apply? 

Might be a good idea if husband comes over first for this period?

Yet another insurance to add  to the list!:P if so

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Number 80: ( term ) life insurance...might not be possible in the German system if not guaranteed LONG TERM residence permit. German insurance companies don´t do short term contracts eg 1 year and rolling. Germans do 10-20 or more years. Maybe check out US insurance for living in Europe?

Health issues, of course, play a role. DO check your US providers. Erm, don´t you have that insurance already? If not, erm??? Why only when moving to Germany? Disclaimer: I´m currently a one-eyed independent insurance broker and authorised advertiser on Toytown

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From experience, entertainment for people with 4 little kids is sitting down to watch a film/tv programme after they have gone to bed, falling asleep, then going to bed yourself anyway.

 

When we went out together, we went for breakfast while the kids were at school/kindergarten - cheaper, no babysitting, we were more likely to stay awake :)

 

As a family, we mostly did free stuff and took a picnic. Swimming. That costs a packet unless you have a free lake in the locality.

 

OP Are you sure you need gym membership? When is that going to happen? Running with a buggy (double :blink:) is cheaper and fun for more people.

The kids will soon start wanting to do clubs etc and that gets really expensive. 

 

About your older one - kid#1 with us is also a high achiever with social issues. We put her in a German kindergarten - first a state one (ok but not great) and then a Waldorf, which suited her much more - more organised activity, way more creative stuff, fewer kids, higher expectations and slightly more assistance with social needs. Learning a new language soaked up some of the extra brain space and she was not frustrated.

From what you have described, I would go on the list for the Waldkindergarten which will no doubt be filled very quickly. If you do end up coming, see how he gets on with the Waldkindergarten before deciding about school. Reading etc is going to be a home activity, but that's probably do-able - he can read to his siblings :D In general, although the social issues with kid#1 have continued one way or another pretty much continuously over the years (she is 22 and has just graduated from Oxford) I think the two language thing has been a great boon to her and prevented some of the problems those kids can have in classrooms full of kids and teachers that they could run rings around if they felt the urge. 

 

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1 hour ago, lisa13 said:

When he was working? Under public cover? As far as I know the total cost is 15-16% no matter how many dependents you have, and it's more or less split with the employer.

 

eta:  important is the cap - the percentage you pay for cover maxes out when you reach the threshold for being a "voluntary" member of public insurance.  In this case you make enough money to not be forced to take public cover, but you'r premium is based on that threshold salar y.  For a person supporting a family of 5 anywhere near munich, I'm sincerely hoping his salary is WAY over that threshold.

 

I have no earthly idea how it goes for retirees :(

 

I do know several couples with kids, wife not working, who pay the same as I do as a single, and that maxes out around 360 (maybe more now - I never look at my pay stubs ;) )

2 minutes ago, RedMidge said:

 

Public insurance prices are based on income for employees- yes, lisa! But it doesn´t matter if the income is above the threshold whether you can choose between public and private insurance in this case. It´s a percentage shared with the employee and employer-whether above the income limit or not. And - in this case - anything other than public insurance would be absurd. 4 kids?

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16 minutes ago, kiplette said:

When we went out together, we went for breakfast while the kids were at school/kindergarten - cheaper, no babysitting, we were more likely to stay awake :)

 

As a family, we mostly did free stuff and took a picnic. Swimming. That costs a packet unless you have a free lake in the locality.

 

everyone has their own gig - the point remains that there is currently zero budget for "entertainment" of any kind and the OP should think about that.  Breakfast ain't free ;)

 

Maybe that's more of a German thing to do lots of activities out and around with the kids, but even if you keep the kids home, I hope there is more to life than tv.  Toys?  coloring books?  bikes? things like that should also be in the projected costs.

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5 minutes ago, john g. said:

Public insurance prices are based on income for employees- yes, lisa! But it doesn´t matter if the income is above the threshold whether you can choose between public and private insurance in this case. It´s a percentage shared with the employee and employer-whether above the income limit or not. And - in this case - anything other than public insurance would be absurd. 4 kids?

 

I'm talking about these figures cited here.  https://www.gesetzlichekrankenkassen.de/grenzen/grenzen.html

 

basically if you earn above the threshold, you stop paying more to the kasse.  eg if you make 5k per month you pay the same as if you made 4425 (in 2018).  Maybe I should have said the contribution is capped.

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27 minutes ago, kiplette said:

From experience, entertainment for people with 4 little kids is sitting down to watch a film/tv programme after they have gone to bed, falling asleep, then going to bed yourself anyway. 

@lisa13: just add a glass of wine and it would work for you too 🤗.

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10 minutes ago, john g. said:

Public insurance prices are based on income for employees- yes, lisa! But it doesn´t matter if the income is above the threshold whether you can choose between public and private insurance in this case. It´s a percentage shared with the employee and employer-whether above the income limit or not.

 

Yes, but the contribution no longer rises above the income threshold/Beitragsbemessungsgrenze, no matter how much someone earns. 

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Things I have paid for for kids here recently - cinema, trampolining, laser tech, travel, food & drink, extra-curricular education, various school-related  items (books, stationery etc), smartphone card, Haloween paraphenalia.    And I don't even have kids :lol:.       They do participate in society here, and it's not a given siblings will just have one shared social circle, for various reasons.  

 

One top of that, the families also often pay for tutoring in school subjects, music and choir, sport, swimming, drawing / art, technology, and such, these days.   And birthday party events.  If we wish to live the typical middle class urban bubble (and many of us do), then all that stuff is normal here now.   Bikes would also be on the list here for both kids and adults.   And holiday trips can be a big one. 

 

Also, less often said, they all do indeed live in housing that many people might consider "overcrowded".    Living areas (not bedrooms) are rigged up and subdivided, and so on.   The kid I took to the cinema yesterday is currently sleeping on a couch.   Cities offten tend not to have enough stock for larger families.

 

There's also some indirect costs of, say, not having other family, or extended family associates like me, as "backfill" support (financial, time) etc.

 

UPDATE - LegoTechnik.  Lots and lots and lots of legotechnik.  Drones.   Big ones and little ones...:huh: 

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Yep, lisa! Capped it is..

Good news: at least the premium for  public insurance for this family of 6 is tax deductible...human rights and all that ! Honestly! Court decision a few years ago in Germany! Based on the right to an honourable life under the Constitution!

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3 minutes ago, someonesdaughter said:

 

Yes, but the contribution no longer rises above the income threshold/Beitragsbemessungsgrenze, no matter how much someone earns. 

51 minutes ago, RedMidge said:

 

Yes, yes, someonesdaughter! Agree! I´m just trying to point out_ this family should have public insurance- no doubts. No ifs or buts. Public insurance and no quotes from greedy insurance agents for comprehensive private insurance,

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2 minutes ago, john g. said:

Yes, yes, someonesdaughter! Agree! I´m just trying to point out_ this family should have public insurance- no doubts. No ifs or buts.

 

I absolutely second this.

 

 

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Would Grundsteuer (land tax) be there as a tenant?   It can be passed on, I think?   This varies by place but perhaps past 500, going to four figures for very a large family space?  

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1 hour ago, RedMidge said:

 

 Bloody quote system...I could be having wild sex instead of dealing with that!:PJust imagine a family of six..ok, father with lady wife at home ( I presume?) and four adorable brats to deal with. Dunno the age of the parents or kids or health status ( let alone visa status ) but even a ball park figure for an employee with a public insurance level private insurance for a family of 6 and assuming all are healthy..jeez, and going through doctor´s  check ups in Germany--- looking at  easily 1400/1600 euros a month and employer  would contribute max c. 350 a month, including long term nursing care insurance. Absurdistan.

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Not sure where OP lives in US- question of driving licences/reciprocity.

Suggest OP gets a letter from Insurance - years of claim free.  Our Canadian Insurance gave us a letter- accepted by German Insurance.

 Ask Family MD for record of health issues/history for family.  Although it was in English. our family MD here was pleased to have it for our file.. He said that if he did not understand everything, he had colleagues with very fluent English!

I am impressed with health care here, it was easy for us to find Dentist, MD up here. Specialist appointments  were made very quickly.  Cannot speak for other areas.

Will OP be stay at home Mum?

I think supermarkets here better than Canadian ones- more local fresh food, more variety. Love the fact that  they sell wine and other alcohol.

Many do online ordering and delivery or pick up.

 Amazon works well- DE and UK. Though come Brexit, UK amazon may not be duty free!

Good to see you are doing lots of research. Good luck.

 

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We evaded the expense of baby-sitters by waiting until the older three were teenagers before we had Vierling and Fuenfling.  ;)

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We find living in Germany (Bodensee) very easy with 4 kids. Many things are subsidized for younger children/subsequent children. Lots of public transport/bicycles, kids from a young age (class one at school) get themselves independantly to and from activities.

 

Entertainment will be most likely like what you did in the USA, ie things which are cheaper and (and in fact more fun) for the whole family (movie night) vs things which have to be multiplied by 6 (cinema trip). But this you already know from having 4 kids, and thats not different where ever you live...

 

Your kids are the perfect age for moving here, the younger the better. Many kids start school with nearly 7. Most of my kids classmates (the boys especially) are nearly a yr older than the school starting age.

 

Just checking you know: Apartments and houses here are listed as 3-4 Zimmer, which is total rooms (excl kitchen and bathrooms), not bedrooms (Schlafzimmer). Our house has many small rooms, so each person has their own bedroom, and enough bathrooms, but that was just luck in finding it. Our living area is relatively small.

 

The big downside for me is that I am not a native speaker, and its not really my culture. There are enough parallels between my culture and theirs that I dont always notice it,  but sometimes I would like to go "home". But that is addressed in other threads here, and is only relevant to the subject of 4 kids in that if you do decide you want to go home, you have to take more people into account later!  My "home" is not the "home" of the other 5 family members.

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Your budget will need kindergarten (kiga-over 3 years old)/kindertagestatten (kita-under 3s) costs.

 

Kindergarten is a "must", from the third birthday. For the under threes it depends on the budget/the family's stance on whether the mother stays home/works/wants peace etc.

 

Varies from town to town, but here is the one for Garching from 2015, maybe you can find a more recent one:

 

https://www.garching.de/garching_media/2_Rathaus+_+Service/22_Stadtverwaltung/Satzungen/Satzung+Gebühren+Kindertagesstätten+ab+09+2015.pdf

 

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