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Raspberry Jam It In Me posted:Niiiice, you gonna get it?  System Metternich posted:When my cousin was apartment hunting in Munich a couple of months ago one of the offers he got was, and I kid you not, a 4m² room in a WG for 400€... in Ebersberg, a good 45 S-Bahn minutes away from Munich's city centre I'm really bad at Quadratmeter/doing square roots, but with 4m² even I can go 
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Oct 29, 2018 21:49
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oliwan posted:I live with my girlfriend in a 60m2 Altbauwohnung in Kreuzberg for 550€ warm. My part of the rent is 275€ lol To be fair that's some arcane wizardry poo poo even by our standards. Like, where'd you get a girlfriend?
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Oct 29, 2018 21:52
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My Wohnung in a Suburb of Offenbach had 120 Bewerbers in 3 days. I got it because I know a guy who knows the mother of my landlord. No chance I would have been able to move with Hartz4 any other way. There was a time where Wohnungen were build as small as they could for maximum Hartz4-renter-return. By now the space is so limited, even those former "Hartz-Bunkers" are getting real renters (If you don't want to live in the ghetto). Oh, and it's like 450€ warm for 37-ish m². Good luck to anyone looking to live somewhere better 
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Oct 29, 2018 22:00
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https://twitter.com/gaborsteingart/status/1056430744422281216 lmao, real quality journalism right here
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Oct 29, 2018 22:01
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System Metternich posted:https://twitter.com/gaborsteingart/status/1056430744422281216  "Problem?"
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Oct 29, 2018 22:08
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 I can be a former Handelsblatt-Chefredeakteur too! 
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Oct 29, 2018 22:12
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Smirr posted:
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Oct 29, 2018 22:14
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Smirr posted:To be fair that's some arcane wizardry poo poo even by our standards. Like, where'd you get a girlfriend? lol
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Oct 29, 2018 22:19
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Smirr posted:To be fair that's some arcane wizardry poo poo even by our standards. Like, where'd you get a girlfriend? 
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Oct 29, 2018 22:22
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Why is Riesterrente a thing? It seems like a scam. I don't get it.
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Oct 29, 2018 22:22
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Raspberry Jam It In Me posted:Why is Riesterrente a thing? It seems like a scam. I don't get it. No, you actually get it.
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Oct 29, 2018 22:24
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Smirr posted:To be fair that's some arcane wizardry poo poo even by our standards. Like, where'd you get a girlfriend? Expat-bonus, not very much unlike the Exotenbonus German students get in the Erasmus-Programm, I assume <3
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Oct 29, 2018 22:28
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Vereinfacht gesagt ist es so, dass keine Art der privaten Altersvorsorge in Deutschland richtig funktioniert. Insbesondere nicht für Wenig- und Durchschnittsverdiener (und zwar nicht im Sinn der beamtenorientierten Wahlprogramme, sondern im Sinne von "Ich bin Arbeitnehmer in der Nähe des Medianeinkommens.") Und ja, das gilt grundsätzlich auch für die betriebliche Altersvorsorge, außer dein Arbeitgeber gibt die gesparten SV-Beiträge weiter und Du bist in einem der wenigen bAV-Programme, bei denen die Kosten nicht deine Zinserträge (Garantiezins 0,9 % repräsentiert) auffressen. Ist übrigens ein Grundproblem deutscher Sozialpolitik. Viele Begünstigungen laufen nur über (teilweise) Begünstigungen in der Einkommensteuer, was für jeden der unter, sagen wir mal 42.000-45.000 €/Jahr verdient nicht so wirklich viel bringt. Oder noch besser, nicht so wirklich der Bringer für Leute, die noch voll in den Sozialversicherungsbeiträgen drin sind (also bis ~57,000 € [Beitragsbemessungsgrenze GKV] bzw. ~  € [Beitragsbemessungsgrenze ALG1/RV]).
Randler fucked around with this message at 22:33 on Oct 29, 2018 |
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Oct 29, 2018 22:29
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Aye. If we had the option to just opt out of KV/SV I probably would, and would instead bury a treasure in my garden. And I say that even though I am usually a big fan of Pflichtversicherungen and overall a somewhat links-grün-versiffte rote Socke.
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Oct 29, 2018 22:55
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Randler posted:Vereinfacht gesagt ist es so, dass keine Art der privaten Altersvorsorge in Deutschland richtig funktioniert. Insbesondere nicht für Wenig- und Durchschnittsverdiener (und zwar nicht im Sinn der beamtenorientierten Wahlprogramme, sondern im Sinne von "Ich bin Arbeitnehmer in der Nähe des Medianeinkommens.") Und ja, das gilt grundsätzlich auch für die betriebliche Altersvorsorge, außer dein Arbeitgeber gibt die gesparten SV-Beiträge weiter und Du bist in einem der wenigen bAV-Programme, bei denen die Kosten nicht deine Zinserträge (Garantiezins 0,9 % repräsentiert) auffressen. I guess I'm just wondering how it got passed by Bundestag cause it very obviously seems like a really dumb scheme and doing some quick googling in the year of our lard 2018 confirms that it has been a net loss for most people. Who voted for this poo poo and why? Also, what's a good Altersvorsorge?(except drinking yourself to death)
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Oct 29, 2018 23:08
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Raspberry Jam It In Me posted:I guess I'm just wondering how it got passed by Bundestag cause it very obviously seems like a really dumb scheme and doing some quick googling in the year of our lard 2018 confirms that it has been a net loss for most people. Who voted for this poo poo and why? When I called the Sozialversicherung asking this very thing they told me to put money in the Riesterrente, and, if already having done that, that I should invest in the stock market. Lol
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Oct 30, 2018 00:09
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Raspberry Jam It In Me posted:Who voted for this poo poo and why? Es gibt da so 'nen Spruch von den alten Kommunisten...
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Oct 30, 2018 00:10
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AndreTheGiantBoned posted:When I called the Sozialversicherung asking this very thing they told me to put money in the Riesterrente, and, if already having done that, that I should invest in the stock market. Lol Sucks to be at the bottom of a Ponzi scheme that has stopped snowballing. They should have told you to become verbeamtet and to suck the beast dry before another leech beats you to it. You will have to endure not being allowed to go on strike to protest against your unfair privileges, though. Short of being a Beamter and having the power of the state in your back to ensure the money keeps flowing, investing into stocks is a good long term option. If only you had some money left after taxes and especially Sozialabgaben. Einbauschrank fucked around with this message at 08:40 on Oct 30, 2018 |
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Oct 30, 2018 08:12
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AndreTheGiantBoned posted:When I called the Sozialversicherung asking this very thing they told me to put money in the Riesterrente, and, if already having done that, that I should invest in the stock market. Lol At least you didn't get offered Bitmünzen
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Oct 30, 2018 08:20
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https://www.tagesspiegel.de/wissen/turners-thesen-wohnungsnot-solidarisch-bei-den-eltern-wohnen/23239440.htmlquote:Wohnungsnot: Solidarisch bei den Eltern wohnen wh.. quote:Unser Kolumnist George Turner, Berliner Wissenschaftssenator a.D.. quote:Ein positiver Nebeneffekt wäre, dass die Öffentlichkeit einmal von Aktivitäten der Asten erführe, die man nicht mit Unverständnis ausdrückendem Kopfschütteln, sondern mit beifälligem Nicken begleiten könnte.
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Oct 30, 2018 09:26
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Smirr posted:https://www.tagesspiegel.de/wissen/turners-thesen-wohnungsnot-solidarisch-bei-den-eltern-wohnen/23239440.html Nothing wrong with living with your parents or indeed someone else's parents. But lol @ "auf eine eigene Wohnung verzichten"
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Oct 30, 2018 09:33
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Raspberry Jam It In Me posted:I guess I'm just wondering how it got passed by Bundestag cause it very obviously seems like a really dumb scheme and doing some quick googling in the year of our lard 2018 confirms that it has been a net loss for most people. Who voted for this poo poo and why? People with no clue and/or people who are in the Versicherungswirtschafts pocket voted for this poo poo. Also what Randler said. Wer hat uns verraten? ...
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Oct 30, 2018 09:36
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Smirr posted:https://www.tagesspiegel.de/wissen/turners-thesen-wohnungsnot-solidarisch-bei-den-eltern-wohnen/23239440.html \ 
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Oct 30, 2018 10:21
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Smirr posted:Wer mit dem Autor diskutieren möchte, kann ihm eine E-Mail senden: george.turner@t-online.de to: George Turner<george.turner@t-online.de> from: Sereri <sereri@clownpenis.fart> subject: Diskussion "Wohnungsnot: Solidarisch bei den Eltern wohnen" Sehr geehrter Herr Turner, vielleicht könnten Sie uns allen einen Gefallen erweisen und als gutes Beispiel voran in die derzeitige Bleibe Ihrer Eltern einziehen Mit freundlichen Grüßen, ein Leser
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Oct 30, 2018 10:30
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Did Martenstein quit on them and they're looking for a successor or what
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Oct 30, 2018 10:36
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whoa what Riester is a scam? gently caress
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Oct 30, 2018 11:02
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Zwille posted:whoa what Riester is a scam? gently caress rest in peace jk you wont have enough rente to do that
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Oct 30, 2018 11:44
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Sereri posted:to: George Turner<george.turner@t-online.de> lol
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Oct 30, 2018 12:26
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Sereri posted:to: George Turner<george.turner@t-online.de> 
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Oct 30, 2018 12:53
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Things we have tried against wohnungsnot: - living with your parents till you are 45 - entfessel die Kette des freien Marktes Things we have not tried against wohnungsnot: - building some loving wohnungs
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Oct 30, 2018 12:58
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Raspberry Jam It In Me posted:Things we have tried against wohnungsnot: that's what the FDP touts the whole time, thing is, they only want to build money making things and then slap a "Immobilie zu vermieten" sticker on it
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Oct 30, 2018 13:30
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I looked at a Wohnung in Köln last week, which was in a converted office building, and I didn't see a Waschmaschinenanschluss anywhere so I asked the guy about it, and he basically did an IRL Radio Eriwan joke: there will be a communal Waschküche, except only from Q3 2019 going forward (the first half of 2019 will be "nisch janz emissionsfrei hehe"), except there's currently a Waschküche in the Vorderhaus, except we crammed the Vorderhaus full with students, but the good news is that a lot of them do their laundry on the weekend - at their parents' place! - so that would be a good time for me to do my laundry *finger guns* Essentially he told me up front in so many words that the whole place wasn't even fit to be student housing, and I'm such a huge moron that it took me the better part of an hour to realize why he would just freely, almost gleefully admit to it.
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Oct 30, 2018 13:47
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skipThings posted:that's what the FDP touts the whole time, thing is, they only want to build money making things and then slap a "Immobilie zu vermieten" sticker on it Yeah, their plan seems to boil down more or less to "More subventions and higher Wohngeld to blas some more money up the Ärsche of the Vermieters, who will then magically find themselves able and willing to build large numbers of affordable Wohnungen instead of whatever currently maximises their income".
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Oct 30, 2018 14:08
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skipThings posted:that's what the FDP touts the whole time, thing is, they only want to build money making things and then slap a "Immobilie zu vermieten" sticker on it The FDP is about entfessling the markt, I'm talking about just building high quality affordable flats like we used to actually solve the problem instead of dickng around with entfessling for another decade till the problem becomes so serious that people start burning poo poo.
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Oct 30, 2018 14:18
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BRB, investing in guillotine company stock
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Oct 30, 2018 14:25
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Wait
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Oct 30, 2018 14:25
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You do have to be in stocks long term; there's a rule of thumb to invest half your age in % of your income into stocks (the % is calculated when you start saving, so the earlier, the better) and I just lost 4% of 'portfolio 'value' ' in a mini-crash, which wiped out about a month's worth of 'investment'. I'll see myself to the wall
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Oct 30, 2018 15:25
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My city has just identified building subventionierte Wohnungen as a priority for the next couple of years and useless FDPler are losing their poo poo. Feels good to live in a place where 4 out of 5 seats in local government are rot-grün. Also we don’t have a clear Riester equivalent, but our kapitalgedeckte Betriebsrenten (called zweite Säule here) are hosed too. No Zinseszinseffekt, many Kassen in desolate shape... Privates Sparen is steuerbegünstigt, but only up to 6700 francs per year, which is not enough to stopf the Löcher caused by demographic change.
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Oct 30, 2018 15:46
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Lunar Suite posted:You do have to be in stocks long term; there's a rule of thumb to invest half your age in % of your income into stocks (the % is calculated when you start saving, so the earlier, the better) and I just lost 4% of 'portfolio 'value' ' in a mini-crash, which wiped out about a month's worth of 'investment'. Lol, literally same (I’m only invested in an ETF, but it just kind of shat itself)
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Oct 30, 2018 15:47
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Lunar Suite posted:I'll see myself to the wall Sic semper expat. 
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Oct 30, 2018 18:03
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