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Tag: electricity in germany

Posted on February 20, 2021July 14, 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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I never felt that I needed legal insurance. Until I never felt that I needed legal insurance. Until one day, my colleague told me her story. . After my colleague had her first kid, she went on parental leave for one year. When she came back, she was demoted from her manager position to an individual contributor position. Someone had taken her manager position already during her parental leave.😢 . This was not okay, as a company had to legally provide an employee the same level of position when she came back from parental leave. However, she had no legal insurance back then and did not want to pay for a lawyer by herself. So, she accepted the individual contributor position. But she decided to purchase a legal insurance policy because of this. . When she had her second kid, she went on parental leave for a year again. Do you know what happened when she came back? Her position was cut. 😱 So, basically, she was fired and was given a severance package by HR. . This time, since she had legal insurance, she consulted a lawyer. Her lawyer helped her to deal with HR. 💪 In the end, the company decided to give her a job in another department instead. If she didn't have a lawyer who helped her, the result could have been very different. . Many people simply accepted unfair treatment because either they have no money to hire a lawyer, or they don't know what else they can do.😞 . Money should not be a barrier for you to seek justice. With legal insurance, it is like having a lawyer friend on call 24/7. Even if you are fired, a lawyer can help to check your severance package and likely increase your severance amount.🙌 . 👉Click the link in my bio and learn all you need to know about legal insurance in Germany! You will also find a comparison of the best legal insurance offers (with English services)! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . #insurance #insurancegermany #legalinsurance #legalinsurancegermany #lifeingermany #mylifeingermany #germany #expatingermany #foreigneringermany #workingermany #liveingermany #movetogermany #studyingermany #hkwomanabroad #newingermany #lawyergermany #financegermany #tipsgermany #justice
When my friend told me that she was making a will When my friend told me that she was making a will in Germany, I was shocked. . I mean, we are in our 30s! Why would she even think about such things?😱 . I thought making a will is only for old people. People who are dying soon.💀 . But...Germany always surprises me in different ways. . After doing some more research on this topic, I found out that there can be horrible consequences if one dies without a will in Germany.😲 . I am making a will not for myself, but for my loved ones.❤️ . I want to give them the best I can, even if I die. . Making a will is important in Germany, especially if you have a property, or if you have children. If your spouse passes away, you do not necessarily inherit all his or her assets. If your spouse does not have a will, you may have to share his or her assets with other people. . This may put you in a financially challenging situation. To avoid any bad surprise when an accident happens, it is a good idea to make a will if you plan to stay in Germany for the long term. . And...I wish someone had told me this before: 👉Make your will early, especially before you buy any properties in Germany! . I could have saved my 4,000 Euros on making our will.😩 . So, that's why I want to share with you guys now. . Don't make the same mistake like I do. . 👉Click the link in my profile and learn all you need to know about making a will in Germany! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . #willingermany #willsingermany #testamentgermany #testamentingermany #makingawillingermany #makeawillingermany #makeawillgermany #deathgermany #deathingermany #lifeingermany #tipsgermany #mylifeingermany #hkwomanabroad #foreignersingermany #foreigneringermany #workingermany #movetogermany #liveingermany #expatingermany #expatsingermany
What if you can protect yourself from risks as hig What if you can protect yourself from risks as high as 50 million Euros, when you spend as low as a few Euros per month? . There is a reason why almost every German person has liability insurance. Do you bike in Germany? Or do you live in a rental apartment? Or, are you looking for a place to rent? . Do you  know that many landlords do not consider tenants who have no liability insurance? Why? Because damage in a flat can be VERY EXPENSIVE. Actually, most of the time when the people I know got claims from liability insurance,  it was relating to damages of their rental apartments. . Sometimes, things just happen out of your control. Water leakage is a common one. Maybe from your washing machine. Or somewhere from your bathroom. When I still lived in a rental flat, my neighbor who lived one floor below me rang my bell one day. She said that some water was dripping from her ceiling and she suspected that something was wrong in our bathroom. . We had a handyman who came and checked. In order to check, he had to remove our toilet and destroy the tiles on the floor (!) so that he could look at what happened to the water pipe. Basically, our toilet was under construction for like 8 months until this was fixed. (Thank god that we had a second bathroom) . Luckily, we did not have to pay for this because it was not our fault. What I wanted to say is that a water incident can easily ruin a flat. The ceiling. The wall. The wooden floor. Don't ask me how much that would cost. If the water incident is somehow your fault, and you have no money (maybe you are a student), then you are totally screwed. . I am not making this up. Click the link in my profile to check out my latest article and learn all you need to know about liability insurance in Germany (with real-life examples). A completely different fate for someone who has liability insurance vs someone who doesn't. You will also find a comparison of the 5 best liability insurance offers - no German needed and no paperwork! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . #insurance #insurancegermany #liabilityinsurance #liabilityinsurancegermany #germany #mylifeingermany #hkwomanabroad #lifeingermany
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

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