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The story of a Hong Kong woman who moved to Germany

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Tag: electricity in germany

Posted on February 20, 2021February 20, 2021

Electricity in Germany – How to Save Money and Find the Best Provider

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When you live in Germany, you will have to find your own electricity provider in most cases. In this article, you will find everything you need to know about electricity in Germany. This includes how to find the best provider, what factors to consider, how to save money, and more. Continue reading “Electricity in Germany – How to Save Money and Find the Best Provider”

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Maybe you have heard people saying that public hea Maybe you have heard people saying that public health insurance companies in Germany are all the same. Just flip a coin and pick one randomly. But is it true?🤔 . The prices and coverage of public health insurance companies are indeed very similar. They are regulated by law. There are some differences though, especially in terms of additional contribution rate and customer services. . I am with TK health insurance since Day One in Germany. I like it because it is in English and very digitalized. I can pretty much do everything through their app - even visiting my doctor digitally!😲 . Besides, I earn a cash bonus when I take care of my health, e.g. doing a body check, preventive care, vaccinations, joining some sports events, and even having a sports membership, etc. Just last year, I earned 72 Euros by using the TK bonus program!💶 . 👉Click the link in my profile to check out my honest TK review for more details! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . #TK #tkreview #healthinsurance #healthinsurancegermany #publichealthinsurance #publichealthinsurancegermany #insurancegermany #insurancereview #technikerkrankenkasse #lifeingermany #mylifeingermany #movetogermany #studyingermany #workingermany #newingermany #expatingermany #expatsingermany #foreignersingermany #foreigneringermany #foreignmomingermany #healthingermany #healthcareingermany #moveabroad
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

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