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The story of a Hong Kong woman who moved to Germany

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Tag: believe in santa

Posted on November 29, 2020December 15, 2020

Believe In Santa – Why I Will Never Do This To My Kids

featured image_believe in Santa_why i will never do this to my kids_the time when i found out that my father was santa_santa clau

Did you believe in Santa when you were young? Do you plan to make your kids believe in Santa? I did believe (too much) in Santa when I was a kid. In this article, I will tell you why I will not let my kids believe in Santa. And how you should tell your kids the truth if they already believe in him.
Continue reading “Believe In Santa – Why I Will Never Do This To My Kids”

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We bought our house in Germany 5 years ago. The sa We bought our house in Germany 5 years ago. The same kind of house in our neighborhood costs now 150k Euro more than what we have paid back then. 😱 If we didn’t buy our house 5 years ago, we wouldn’t be able to afford to buy one now. The first time when I received a mortgage offer from a German bank, I was totally overwhelmed. Not only because everything was in German. But banks here in Germany like to combine different types of mortgages in their offer. And each of these mortgages has a different interest rate and conditions. I was completely confused.🤷 Many of you guys asked me about how buying a house or mortgage works in Germany. So, I decided to write an article with all the details about it. This should answer all your burning questions: What are the different types of mortgages in Germany? What are their pros and cons, and which one should you choose? What kind of government allowances in Germany you are entitled to? How about building a house from scratch? How does that work? The process is overwhelming, especially for us expats. But once you have it all done, you can sit back and enjoy yourself in your own home. A real home. You can start creating wealth for yourself, and not for your landlord.💪 👉Click the link in my profile and find out all you need to know about mortgages in Germany! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . #mortgagegermany #mortgageingermany #mortgage #buyhouse #buyhouseingermany #buyhousegermany #realestate #realestategermany #loangermany #loan #houseloan #lifeingermany #createwealth #mylifeingermany #hkwomanabroad #expatingermany #foregineringermany #workingermany #liveingermany #movetogermany #studyingermany #internationalingermany
Do you need to send money from your home country t Do you need to send money from your home country to your German bank account to pay for expenses here? Do you need to send your salary in Germany back home to support your family?👨‍👩‍👧‍👦 For us expats, sending money abroad is almost unavoidable.🤷 One thing I know for sure: Using bank transfer to send money outside the Eurozone is probably the worst thing you can do. How do I know? I learned a hard lesson on this after I moved to Germany. For years!😫 That is why I need to tell you this. Don't make the same mistake as me!☹️ Click the link in my profile to check out the best ways to send money internationally!👉 . . . . . . . . . . . . . . . . . . . . . . . #germany #lifeingermany #liveingermany #livingingermany #sendmoneyabroad #transfermoneyinternationally #transfermoney #sendmoney #sendmoneyinternationally #wiremoney #wiremoneyinternationally #bestwaytosendmoney #foreigneringermany #moving abroad #expatmomingermany #expatsingermany #savemoney
I saved 130€ per year by doing this! . Do you kn I saved 130€ per year by doing this! . Do you know how much you are paying for your electricity in Germany? . Do you know why you should change your electricity provider after you moved into your new place in Germany? . How to know if your electricity provider is overcharging you? . Why should you be careful if your electricity provider gives you a bonus? . Click the link in my profile to find out the answers! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . #Electricity #electricitygermany #savemoney #savemoneygermany #expatingermany #expatgermany #foreigneringermany #foreignergermany #workingermany #studyingermany #liveingermany #lifeingermany #mylifeingermany #movetogermany #hkwomanabraod
When I first moved to Germany, my housemate told m When I first moved to Germany, my housemate told me to never download movies via torrenting. He has got a fine of 1000 Euros because of that! 😱 . I was shocked because torrenting was a popular way to download movies in my hometown Hong Kong back then. I had done it when I was in Hong Kong. I didn't know that torrenting could be a problem in another country. . I have never used BitTorrent since I am in Germany. Instead, I watch movies with legal streaming websites. 📺 . The pandemic has hit us for almost one year now. In Germany. we had a hard lockdown, a light lockdown, and then again a hard lockdown. We spent most of our time at home. Streaming movies becomes our favorite activity in the evening. 👍 . Do you watch movies at home in Germany? Which streaming platforms do you use? It is important to stay safe and avoid any legal issues. . Luckily, even a paid streaming platform costs only a few Euros per month. And some others have even free movies. 👍 . Click here to check out my latest article about 11 ways to stream movies legally at home. These include both paid and free options! 📺
You may feel safe when you are surfing the interne You may feel safe when you are surfing the internet at home. But is it really safe?🤔 . Have you heard of the 14-Eyes? These are the 14 countries that agree to share data with each other. And Germany is one of them. The government is monitoring online activities, especially for businesses and foreigners. 😧 . If you do not mind the governments sharing your data, how about other third parties? Your internet service provider, websites, search engines, etc. They all have your data. . Do you use public Wi-Fi? Do you know that a hacker can easily hack your device if the connection is not secure? Do you know that online shops are over-charging you if they see that you are from a wealthy country?😱 . I never thought about all these in the past. These seem to be not concerning me. I always thought that these only happened to unlucky people. Or I just chose to ignore the safety factor. . Until one day, my colleague in Germany told me that someone was using his credit card illegally. The only thing he knew was that he has used his credit card online. It was scary. I started to look more into this. And I realized how dangerous it can get when using the internet. . Luckily, we can protect ourselves easily. Using a VPN can avoid all these problems. And it is really cheap and affordable. . Click the link in my profile to check out my latest article about why everyone should use a VPN service, how to choose a good VPN to use in Germany and a comparison of the 5 best VPN companies.👍 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . #vpn #internet #cybercrime #cybersecurity #germany #lifeingermany #liveingermany #mylifeingermany #foreigneringermany #expatingermany #internetsafety #torrenting #streaming #studyingermany #workingermany #foreignmomingermany #momingermany #vpngermany #internetgermany #14eyes #hkwomanabraod
Starting next Monday, FFP2 masks will be compulsor Starting next Monday, FFP2 masks will be compulsory on public transport, in shops and supermarkets in Bavaria 😲 . Make sure to stock up some masks now and prepare for next week! . . . . . . . . . . . . . . . . . . . . . . . . . . . . #ffp2 #facemask #mask #corona #bavaria #germany #covid-19 #foreigneringermany #expatingermany #foreignmomgermany #liveingermamy #lifeingermany #mylifeingermany #hkwomanabroad
So, now it is official that we will extend our loc So, now it is official that we will extend our lockdown in Germany till end of January, at least.😱 . But I am not optimistic. Many think that this will be further extended. Who knows.🤷 . Walking pass a field of snow today. I am wondering what I am going to do with my two little ones at home in the coming weeks. . Lucky me that I am still in parental leave. So I don't need to worry about work, at least. . Wondering how other working parents survive when they have to work from home with their kids. I had done that before when my kids were sick. I think it works if it is just a few days. . But for weeks? Or even months? My big respect to these working parents 💪 . I wish everyone to hang in there. Vaccine is on the way. We are seeing a light at the end of the tunnel. All will be good again. ❤️ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . #workfromhome #scenery #beautiful #germany #lifeingermany #mylifeingermany #workingermany #lockdown #quarantine #expatingermany #foreigneringermany #foreignmomingermany #momingermany #snow #snowfield #hkwomanabroad
Today, my girl spends her fourth birthday during t Today, my girl spends her fourth birthday during this quarantine time. . Before today, we were worried about how to make her birthday special, without a party and any other special activities outside. . No friends. No other family members. Everything is closed outside. No cafe. No restaurant. No zoo. No indoor playground. No nothing. . Maybe we adults are just worried too much. . At my daughter's age, she is not sad about being quarantined during her birthday. . We decorated our living room with birthday theme. We baked her cake together. We prepared all the presents from us and from other relatives. We sang happy birthday together with Opa Oma in the video call. She got a Peppa pig house and is busy playing with it now 🐷 . She is super happy and excited for everything happened today ❤️ . Kids are simple and we are blessed 💕 . My birthday is coming up in a few weeks while we will still be in quarantine. I need to learn from my daughter and be happy with every simple thing 😊 . . . . . . . . . . . . . . . . . . . . . . . . . . . #birthday #birthdaykid #birthdaygermany #kids #birthdaycake #birthdayquarantine #birthdayidea #cake #lifeingermany #livingingermany #mylifeingermany #expatingermany #foreigneringermany #momingermany #expatmomingermany #foreignmomingermany *hkwomanabroad
Have you heard of dog tax or insurance for your pe Have you heard of dog tax or insurance for your pets before coming to Germany? . I was quite shocked to hear them the first time. Didn't know that such things exist before. But hey, we are in Germany! 🇩🇪😂 . I have two cats which I adopted from an animal shelter in Germany. 🐱🐱 . I was surprised at how seriously animals are treated here in Germany. Sometimes, they are treated almost like humans. . This is a good thing here. At least I am not seeing all those wild or abandoned cats and dogs on the street like in my hometown Hongkong. . Everything is well organized in Germany 👍 . If you plan to move with your pets to Germany or adopt one here, make sure you know and comply with all the rules here. Especially for dogs. Pet laws here are very strict. . Click the link in my profile to check out more details about pets in Germany 🐱🐶

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