THESE LINKS WILL ALSO HELP YOU OUT: - 10 Step Process to Buying a House in Germany: lifeinduesseldorf.com/the-10-step-process-to-buying-your-first-home-in-dusseldorf/ - 6 Ways to Transfer Your Money TO/FROM Germany: lifeinduesseldorf.com/international-money-transfers/
Effective money management is needed if we want to build a strong financial security for the future. I started off with 10k, 3 years ago investing In diversified stock market. I did two duplexes with seller financing, Fast forward to now. I am worth 500k and currently finishing my 8 unit apartment building. I am 35 and already retired from the rat race. stock investing works if you are willing to put the hard work in.
Heard the adage about not putting your all your eggs into one basket? The same concept applies to managing your investments. Diversification essentially means allocating your investment dollars strategically among different assets and asset categories to help manage risk. Here are three ways to do it. 1.Spread your risk 2. Diversify across asset classes 3. Diversify within asset classes
Your diversification strategy should be tailored to your personal financial goals and tolerance for risk. If you’re uncertain about how to diversify, consider seeking the guidance of a Financial Advisor.
The first thing that you should consider, when choosing a financial advisor, is the experience and professional background of the prospective advisor. Adequate experience in the financial markets and dealing with clients is of the utmost importance. Since you would be handing over your finances to the advisor, she/he must be well-qualified.
I don't want to appear to be promoting anyone here but, Alicia Seda Rich has worked through multiple cycles of the Economy. Her expertise has greatly aided my success in the diversified stock market. For the past three years she helped me grow my portfolio using her broad and competent knowledge of the financial market.
Hello 👋 , so I just bought my house in Germany last year... after 3 years of intensive search and it is really a big deal when you find a house that could be your home, in this way congratulations from my side 🍻. I think that there are some many points that are here missing, like: to check the conditions of the house, to prove the price with your bank and if it possible with an expert, receive the contract before the meeting and ask for help for prove it. Normally you know when you will receive the keys, when everything is done with the bank and the contract and there must to be Schlüsselübergabeprotokoll between the old and new owner. So...this is just the extra information from my side. Congratulations again. 🤗
Also important are the side costs of a house purchase: Mandatory real estate transfer tax is 3,5 - 6,5 % of the price, (if you use a real estate agent 3 - 7% of the price), mandatory notary and land register fee 2% of the house price. That costs come additional to the purchase price
Congrats on the house. A question I have is how do you find the houses offer for sale? What is the biggest real estate agents in germany? Thanks and great tips!
In our case with the notary, prior to our appointment date the lawyer sent us the draft of all the documents for us to review. There's no need for translator.
Well the insurance is requested by the banks in case you need a loan. In some areas of Germany it was even requested by local laws to have such an insurance not long ago. The burdens on the land are normally not given from the Bauamt but the Grundbuchamt at least in my area.
@@habi0187 ahhh good to know! Thanks! We had to head to the Bauamt for this information here in DUS. Hopefully these 8-steps at least provide a good foundation for those looking to buy 🤞🤗
@@lifeingermany_ Wohngebäudeversicherung (Fire, Water, Lightning strike, etc) Elementarschadenversicherung (Natural disasters like Flood, Landslides, Earthquake, etc.) Hausratversicherung (everything thats related to and inside the house like furniture, inventory, cloths, PC, even your bike in some cases (if not you can add it) is protected against theft, fire, water damage etc.) Inventory is never covered by the Wohngebäudeversicherung! Also an important insurance if you are renting a flat in case of fire / water damage, even if the fire started in another apartment. No other insurance will cover your damages otherwise. are the most important in this order.
Canadian mentality I think! 🙈 Buying is very much engrained in our Canadian minds as a milestone that is made before having kids (aka. “settling down” or having something paid off so when you pass away, your kids have something to inherit). When I first moved to Germany it took me a while to really understand why so many Germans rent, but I get it now and totally understand! For me though, I always kept my eyes open for great deals just for fun and this was a deal that I just couldn’t pass up! Will save me a lot of rental money in the long run!!!
Great video thank you! I have a question, do you know how difficult it is to move into a place if it was vermietet when you purchased it? Here in Australia it is easy, but seems it is a lot more challenging in Germany (we are moving there this year and want to purchase a place). If you have information on this process and if it’s worthwhile to look into rented properties for sale or just stick to vacant properties, that would be greatly appreciated :)
Hey there! I’d say it’s worth looking into. It’s harder, but not that hard! Depending on where you live, it can take 3-12 months to get the tenants out. I’m actually doing it at the moment (in Düsseldorf it’s 3 months, so our tenants are actually moving out next month already so we can move in). This is called “Eigenbedarfskündigung” so you’ll have to check out how long it takes in your city. This link may help: www.mietrecht.com/vermieterrecht-eigenbedarf/ 🙃🙃
there are not enough houses *of quality which dont require tens of thousands in repairs, have issues or will soon have issues* which are also in city center. Mostly apartments which typically have issues and owners are trying to dump them before they themselves have to spend 20+k in renovations. and simply using said money to either buy a house far in the outskirts, or just rent.
Hello! Good one 😊. As a foreigner what are the basic requirements/documents needed for buying a house? Do need a Permanent Resident or bluecard or if anything like minimum number of years to be stayed in germany before buying a house? Your suggestions are highly appreciated! Thanks in advance Tschus!
@@rafaelecattonar1506 entirely depends on where you’re looking 🙂 east Germany in the countryside vs. City centre Munich is entirely a different ballgame!
Eins deiner Videos wurde mir auf der RUclips Startseite empfohlen und ich fand das so interessant, dass ich jetzt erstmal alle deine Videos geschaut habe 😄 Freue mich auf weitere Videos. Hast erstmal direkt ein Abo von mir bekommen ☺️ Mach so weiter und bleib gesund 🍀
You won’t need to show the sellers any papers from your job, but the bank/loan agency where you choose to take out the mortgage will ask for specific documents to prove you’re able to pay off the loan - bank statements, etc. some might even insist you switch to their bank. That’s what we had to do.
About a month if I can remember correctly! They can be quicker if you use a service like LoanLink for example - just the middle men who help you find the cheapest offer. Hope that helps a bit! I’m planning on making more soon since we are officially moving in in a few months!!!
great video thank for the info. If i have the money to buy outright would you get the property cheaper? also if using to renovate and use now and again what would be the steps to get it done faster? many thanks jay
Great question Juliana! I think it always depends on the country to country qualifications. I’m not sure what country diplomas are accepted for nursing in Germany in particular. My husband for example couldn’t practice dentistry in Canada because his diploma wasn’t recognized. Some countries for some job fields require just a placement test to prove you know as much as the other nurses here, others might require you to re take the entire program, or some might accept it right away. It all depends. I’d suggest reaching out to a hospital or clinic in a location that might interest you first. Also, if you don’t speak German yet, would be good to take a year off if possible and learn the language intensively as many places will require you to have at least C1 level German! Hope this helps a bit ♥️
@Juliana Caroline Yes, nurses are needed. But on the other hand it is exactly like Jenna says!!! And really, without speaking the language You will not be accepted at least in a team. Make sure that You are on language level C, before You arrive here. Nurse job here is stressfull and fast. No time for patience, mixed up with a high social pressure. Beeing a nurse by myself I can tell You, that the system in Germany has different possibilities. You can be a nurse or a nurse for children with the completly examen. Also You can be Altenpfleger ( Senior care nurse) what could be quite easier to learn about or to get accepted. But also You would earn less money. Actually the government trys to lead both together, to take out the differences. Nurses in hospitals untill now, learned much more about medication, than the senior care nurses ( I dont know the right word in english...😃) And finally otherwise You also have that opportunity to work as a Pflegehelfer ( nurse helper, something like a caretaker...) . This job is harder than the other both. Because You really do the basics ( Grundpflege). And again earn less money. As a complete nurse You have to know about Grundpflege and Behandlungspflege! I would highly recommend to watch You Tubes about the german healthsystem and about the work as a nurse here. To speak german would be really important, If You do not want to stay on a hard and bad payed position. It also can be helpfull to understand some medical Latein language. Because all the names for the different illnesses, anatomy and biology and also some medication is in Latein . Nurses here also work mostly in a three shift system. What finally means, that You can not learn german at a school parallel to the job. But basically there are sometimes contracts between some of the countries. And You probably could check out, if so with Nigeria. This would help You to prepare and to mild down the " cultureshock".
We live in Dusseldorf as well and we are planning to buy "einfamilienhaus" in the outskirts of Dusseldorf. We came across lot of objects namely "Fertighaus" in immoscout. Can you please explain about Fertighaus. Why its cheaper compared to Massivhaus. Can we consider them or not ? Cheers from Flingern :)
Ahhh exciting news! The “Fertighäuser” you’re seeing on ImmoScout are likely just advertisements as to what COULD be built - to inspire you to contact these building companies. They usually don’t actually have a lot purchased or for sale yet, but letting you know the option is there. I have found in the last few years these Fertighäuser are often sold out FAST, I’m talking like calling the company 100 times in 15 minutes the day the sales open. The difference between a Fertighaus and a Massivhaus is simply that the Fertighaus is a set design that they build in masses. A Massivhaus can often be a bit more sturdy, likely with heavy bricks, and are not designed in a set, but usually individually perhaps by an architect. It just depends on what you’re looking for. 🙂 With the Fertighäuser, you can often make a few decisions about walls, windows, floor style, etc. before the build is complete. Whereas a Massivhaus is likely already built so you will need to reno. My family and I are in search of a Massivhaus in “renovation-required” condition. You can usually get a fairer price this way. 🙂 Hope these tips help! Let me know if you have any questions! 🥰
@@lifeingermany_ Thanks for your comprehensive reply. Most probably I might also go for Massivhaus. As houses are one time investment I don't wanna risk it by buying these prebuilt houses. Cheers again
@@knusper72 To be a bit more precise: A Fertighaus is made of prebuild walls transported to the construction site and set up by a crane. A Massivhaus is build brick by brick.
@@DigitalDissidentwhere did you find / apply for the job? I have been looking everywhere:( (if you dont mind me asking, if you dont feel comfortable sharing that info. i understand!)
Consider that most educated europeans & especially Germans do & should speak English. Also anything done on a PC can be translated & set to english... I work in IT, you say finance so a multinational institution, for example Oddo BHF. If you have a very specialized skill apply. The hardest part then would be moving ur life to Germany. Consider that the government steals alot from you in taxes here & it can be cold for 8 months of the year...
Hahaha “manchmal” würde ich sagen! Für uns war es nicht so einfach. Ich glaube ein *neues* Haus zu kaufen ist einfach.... ein altes Haus ist nicht so einfach.
@@lifeingermany_ Als meine Eltern vor über 20 Jahren ihr Haus gebaut haben ist gleich zweimal hintereinander der Bauträger pleite gegangen. Das hat bei meinen Eltern ordentlich Nerven gekostet!
Great overview! Let me add something: Many banks or "Sparkasse"in your area also act as sales agent for houses. This gives you a good overview what the price level is in you area is. And talking about neighbours. How about a party, inviting them? I would for sure attend it, specially if a nice youtube lady has just moved in :)
I am not shure whether I should be glad, that all women are similar or sad that they are? What do I mean? 😊 My hope was, that canadian lady is different, but - dear Jenna - like every german woman also you do not close windows and terrace/balcony doors completely. Why do women always turn the handle exactly to the middle between closed and open? Why do women always "clopen" windows? Hahaha! Hey, finally I am glad that you are not too different, because I love all women! 😍
THESE LINKS WILL ALSO HELP YOU OUT:
- 10 Step Process to Buying a House in Germany: lifeinduesseldorf.com/the-10-step-process-to-buying-your-first-home-in-dusseldorf/
- 6 Ways to Transfer Your Money TO/FROM Germany: lifeinduesseldorf.com/international-money-transfers/
@Blake Colton Very true, bitcoin is a very lucrative cash generating platform .
Effective money management is needed if we want to build a strong financial security for the future. I started off with 10k, 3 years ago investing In diversified stock market. I did two duplexes with seller financing, Fast forward to now. I am worth 500k and currently finishing my 8 unit apartment building. I am 35 and already retired from the rat race. stock investing works if you are willing to put the hard work in.
Heard the adage about not putting your all your eggs into one basket? The same concept applies to managing your investments. Diversification essentially means allocating your investment dollars strategically among different assets and asset categories to help manage risk. Here are three ways to do it.
1.Spread your risk
2. Diversify across asset classes
3. Diversify within asset classes
Your diversification strategy should be tailored to your personal financial goals and tolerance for risk. If you’re uncertain about how to diversify, consider seeking the guidance of a Financial Advisor.
The first thing that you should consider, when choosing a financial advisor, is the experience and professional background of the prospective advisor. Adequate experience in the financial markets and dealing with clients is of the utmost importance. Since you would be handing over your finances to the advisor, she/he must be well-qualified.
I don't want to appear to be promoting anyone here but, Alicia Seda Rich has worked through multiple cycles of the Economy. Her expertise has greatly aided my success in the diversified stock market. For the past three years she helped me grow my portfolio using her broad and competent knowledge of the financial market.
You can text her directly on 👇👇
Hello 👋 , so I just bought my house in Germany last year... after 3 years of intensive search and it is really a big deal when you find a house that could be your home, in this way congratulations from my side 🍻. I think that there are some many points that are here missing, like: to check the conditions of the house, to prove the price with your bank and if it possible with an expert, receive the contract before the meeting and ask for help for prove it. Normally you know when you will receive the keys, when everything is done with the bank and the contract and there must to be Schlüsselübergabeprotokoll between the old and new owner. So...this is just the extra information from my side. Congratulations again. 🤗
may I know how long it takes after the notary appointment? Also, should we sign the mortgage contract before the notary date?
Also important are the side costs of a house purchase: Mandatory real estate transfer tax is 3,5 - 6,5 % of the price, (if you use a real estate agent 3 - 7% of the price), mandatory notary and land register fee 2% of the house price. That costs come additional to the purchase price
Traditionally you bring bread and salt to your new neighbours , to say hello;)
Congrats on the house. A question I have is how do you find the houses offer for sale? What is the biggest real estate agents in germany? Thanks and great tips!
I use a lot of these sites I mention here: lifeinduesseldorf.com/best-websites-to-find-a-flat/ ... but will send you a couple more helpful posts too!
lifeinduesseldorf.com/investing-german-real-estate/
lifeinduesseldorf.com/get-a-mortgage-dusseldorf/ (not just helpful for DUS)
Thank you so much for the tips, you are awesome keep up the good work 💫
Jena you are so super and open and you except life in Germany is absolutely fantastic
Thank you so much for sharing your video ,this information is really helpful .
Because I plan to by a house in Germany 🙏
Am in Germany, Want to know you, are you in Germany?
Jenna great video! I am looking to buy in Germany soon!
In our case with the notary, prior to our appointment date the lawyer sent us the draft of all the documents for us to review. There's no need for translator.
You are for sure a wealth of information Jenna :). Thank You for what you do. :).
And do not forget an insurance for the new house... 😉
Absolutely! A whole load of them 😝
That’s for a whole new video in itself!
Well the insurance is requested by the banks in case you need a loan. In some areas of Germany it was even requested by local laws to have such an insurance not long ago.
The burdens on the land are normally not given from the Bauamt but the Grundbuchamt at least in my area.
@@habi0187 ahhh good to know! Thanks! We had to head to the Bauamt for this information here in DUS. Hopefully these 8-steps at least provide a good foundation for those looking to buy 🤞🤗
@@lifeingermany_
Wohngebäudeversicherung (Fire, Water, Lightning strike, etc)
Elementarschadenversicherung (Natural disasters like Flood, Landslides, Earthquake, etc.)
Hausratversicherung (everything thats related to and inside the house like furniture, inventory, cloths, PC, even your bike in some cases (if not you can add it) is protected against theft, fire, water damage etc.) Inventory is never covered by the Wohngebäudeversicherung! Also an important insurance if you are renting a flat in case of fire / water damage, even if the fire started in another apartment. No other insurance will cover your damages otherwise.
are the most important in this order.
It would be nice to know why you decided to buy a house and not renting it, especially here in Germany!
Canadian mentality I think! 🙈
Buying is very much engrained in our Canadian minds as a milestone that is made before having kids (aka. “settling down” or having something paid off so when you pass away, your kids have something to inherit). When I first moved to Germany it took me a while to really understand why so many Germans rent, but I get it now and totally understand! For me though, I always kept my eyes open for great deals just for fun and this was a deal that I just couldn’t pass up! Will save me a lot of rental money in the long run!!!
want to know you, are you in Germany?
Wow counting with your fingers already german style! ;o)
Hahahha I noticed that too after I published it 😂🙈 I think I mix it up every now and again haha
Haha lol 😆
Great video thank you! I have a question, do you know how difficult it is to move into a place if it was vermietet when you purchased it? Here in Australia it is easy, but seems it is a lot more challenging in Germany (we are moving there this year and want to purchase a place).
If you have information on this process and if it’s worthwhile to look into rented properties for sale or just stick to vacant properties, that would be greatly appreciated :)
Hey there! I’d say it’s worth looking into. It’s harder, but not that hard! Depending on where you live, it can take 3-12 months to get the tenants out. I’m actually doing it at the moment (in Düsseldorf it’s 3 months, so our tenants are actually moving out next month already so we can move in). This is called “Eigenbedarfskündigung” so you’ll have to check out how long it takes in your city. This link may help: www.mietrecht.com/vermieterrecht-eigenbedarf/ 🙃🙃
@@lifeingermany_ That is so helpful. Thank you very much for taking the time to answer, I will definitely look into this :)
Hey am interested, want to know you, am in Germany and you
I want noone to show up on my door with a pie just because. I just want to be left in peace to connect naturally as life shows.
there are not enough houses *of quality which dont require tens of thousands in repairs, have issues or will soon have issues*
which are also in city center.
Mostly apartments which typically have issues and owners are trying to dump them before they themselves have to spend 20+k in renovations. and simply using said money to either buy a house far in the outskirts, or just rent.
Hello! Good one 😊. As a foreigner what are the basic requirements/documents needed for buying a house? Do need a Permanent Resident or bluecard or if anything like minimum number of years to be stayed in germany before buying a house?
Your suggestions are highly appreciated!
Thanks in advance
Tschus!
Congrats on the new house
Thank you!! 🙂🙂
@@lifeingermany_how does it cost to buy a house in Germany? I mean a house with two rooms, a bathroom, a kitchen, a hall and a garden.
@@rafaelecattonar1506 entirely depends on where you’re looking 🙂 east Germany in the countryside vs. City centre Munich is entirely a different ballgame!
Eins deiner Videos wurde mir auf der RUclips Startseite empfohlen und ich fand das so interessant, dass ich jetzt erstmal alle deine Videos geschaut habe 😄 Freue mich auf weitere Videos. Hast erstmal direkt ein Abo von mir bekommen ☺️
Mach so weiter und bleib gesund 🍀
It was very helpful. One question: what papers should i show from my job ?
You won’t need to show the sellers any papers from your job, but the bank/loan agency where you choose to take out the mortgage will ask for specific documents to prove you’re able to pay off the loan - bank statements, etc. some might even insist you switch to their bank. That’s what we had to do.
@@lifeingermany_ thank you so much.
@Foci25EN okay. This is something I needed to know too. Thank You!!
How long did the process take from applying with the bank till you got an answer?
Great video thanks
About a month if I can remember correctly! They can be quicker if you use a service like LoanLink for example - just the middle men who help you find the cheapest offer. Hope that helps a bit! I’m planning on making more soon since we are officially moving in in a few months!!!
Hi Jenna, thank you for this useful video. Short question: Is making an offer to buy somewhat legally binding in Germany? Thank you
A verbal offer is not legally binding, but if you were to write it in an email or on paper, it could possibly be counted as legally binding
Thank you very much for helpful information. May you please explain a bit more about the step 2? What we exactly have to ask from BAUAMT?
What if you have cash to purchase the home?
great video thank for the info.
If i have the money to buy outright would you get the property cheaper?
also if using to renovate and use now and again what would be the steps to get it done faster? many thanks
jay
Wow so beautiful
Can you deduct mortgage interest expense in Germany when you do your taxes?
You can! But only if you’re renting out the property, not if you’re living in it yourself.
how many houses do you have
notary appointment "in a few months"? Sounds like NRW needs more notaries. oh my.
Am a Nigeria nurse and I want to come practice my profession in germany.how do I go about it?
Great question Juliana! I think it always depends on the country to country qualifications. I’m not sure what country diplomas are accepted for nursing in Germany in particular. My husband for example couldn’t practice dentistry in Canada because his diploma wasn’t recognized. Some countries for some job fields require just a placement test to prove you know as much as the other nurses here, others might require you to re take the entire program, or some might accept it right away. It all depends. I’d suggest reaching out to a hospital or clinic in a location that might interest you first. Also, if you don’t speak German yet, would be good to take a year off if possible and learn the language intensively as many places will require you to have at least C1 level German!
Hope this helps a bit ♥️
Nurses are needed in germany !
Connect you with the german embassy or consulat
www.make-it-in-germany.com/en/jobs/looking-for-a-job
@@joachim7742 connect me please
@Juliana Caroline Yes, nurses are needed. But on the other hand it is exactly like Jenna says!!! And really, without speaking the language You will not be accepted at least in a team. Make sure that You are on language level C, before You arrive here. Nurse job here is stressfull and fast. No time for patience, mixed up with a high social pressure. Beeing a nurse by myself I can tell You, that the system in Germany has different possibilities. You can be a nurse or a nurse for children with the completly examen. Also You can be Altenpfleger ( Senior care nurse) what could be quite easier to learn about or to get accepted. But also You would earn less money. Actually the government trys to lead both together, to take out the differences. Nurses in hospitals untill now, learned much more about medication, than the senior care nurses ( I dont know the right word in english...😃) And finally otherwise You also have that opportunity to work as a Pflegehelfer ( nurse helper, something like a caretaker...) . This job is harder than the other both. Because You really do the basics ( Grundpflege). And again earn less money. As a complete nurse You have to know about Grundpflege and Behandlungspflege! I would highly recommend to watch You Tubes about the german healthsystem and about the work as a nurse here. To speak german would be really important, If You do not want to stay on a hard and bad payed position. It also can be helpfull to understand some medical Latein language. Because all the names for the different illnesses, anatomy and biology and also some medication is in Latein . Nurses here also work mostly in a three shift system. What finally means, that You can not learn german at a school parallel to the job. But basically there are sometimes contracts between some of the countries. And You probably could check out, if so with Nigeria. This would help You to prepare and to mild down the " cultureshock".
Vielen Dank
ich bin auch von dussledorf
🥰🤩✊ Jaaaa!
We live in Dusseldorf as well and we are planning to buy "einfamilienhaus" in the outskirts of Dusseldorf. We came across lot of objects namely "Fertighaus" in immoscout. Can you please explain about Fertighaus. Why its cheaper compared to Massivhaus. Can we consider them or not ? Cheers from Flingern :)
Ahhh exciting news! The “Fertighäuser” you’re seeing on ImmoScout are likely just advertisements as to what COULD be built - to inspire you to contact these building companies. They usually don’t actually have a lot purchased or for sale yet, but letting you know the option is there. I have found in the last few years these Fertighäuser are often sold out FAST, I’m talking like calling the company 100 times in 15 minutes the day the sales open. The difference between a Fertighaus and a Massivhaus is simply that the Fertighaus is a set design that they build in masses. A Massivhaus can often be a bit more sturdy, likely with heavy bricks, and are not designed in a set, but usually individually perhaps by an architect. It just depends on what you’re looking for. 🙂
With the Fertighäuser, you can often make a few decisions about walls, windows, floor style, etc. before the build is complete. Whereas a Massivhaus is likely already built so you will need to reno.
My family and I are in search of a Massivhaus in “renovation-required” condition. You can usually get a fairer price this way. 🙂
Hope these tips help! Let me know if you have any questions! 🥰
@@lifeingermany_ Thanks for your comprehensive reply. Most probably I might also go for Massivhaus. As houses are one time investment I don't wanna risk it by buying these prebuilt houses. Cheers again
@@lifeingermany_ Also waiting for your next premiere. Canadian fav food in Germany. I am pretty sure it's Quebec poutine 🍟
@@knusper72 hahahah I do miss my Canadian poutine!! Frittenwerk just doesn’t cut it for me!
@@knusper72 To be a bit more precise: A Fertighaus is made of prebuild walls transported to the construction site and set up by a crane. A Massivhaus is build brick by brick.
How did you get there? Germany
My husband is from Germany, we met in 2012 and I moved over a couple of years later 🥰
want to know you, are you in Germany?
Can a Spanish national buy property in Germany and get monthly money for renting ?
What do you mean by monthly money?
Take a pic of the counters, worth more than a piece of paper.
hello ! do you think if there chances to find a job in finance or administrative without speaking german ? thanks...just found your chanel..
yes, I work at such a place. a medium sized bank for example
@@DigitalDissidentwhere did you find / apply for the job? I have been looking everywhere:( (if you dont mind me asking, if you dont feel comfortable sharing that info. i understand!)
Consider that most educated europeans & especially Germans do & should speak English. Also anything done on a PC can be translated & set to english... I work in IT, you say finance so a multinational institution, for example Oddo BHF. If you have a very specialized skill apply. The hardest part then would be moving ur life to Germany. Consider that the government steals alot from you in taxes here & it can be cold for 8 months of the year...
Mich verwirrt, dass in Düsseldorf die Fische vor dem Fenster schwimmen. Mysteriöses Rheinland! ;-)
Haus kaufen ist einfach! Ein neues Haus bauen ist eine Heruasforderung!
Hahaha “manchmal” würde ich sagen! Für uns war es nicht so einfach. Ich glaube ein *neues* Haus zu kaufen ist einfach.... ein altes Haus ist nicht so einfach.
@@lifeingermany_ Als meine Eltern vor über 20 Jahren ihr Haus gebaut haben ist gleich zweimal hintereinander der Bauträger pleite gegangen. Das hat bei meinen Eltern ordentlich Nerven gekostet!
@@Kessina1989 achhh 😖nein! Das kann ich gut verstehen!
U forgot the most importante thinks:how % of the Hause U neds to pay imediatlly in cash in Germany 😂
Great overview! Let me add something: Many banks or "Sparkasse"in your area also act as sales agent for houses. This gives you a good overview what the price level is in you area is.
And talking about neighbours. How about a party, inviting them? I would for sure attend it, specially if a nice youtube lady has just moved in :)
I am not shure whether I should be glad, that all women are similar or sad that they are?
What do I mean? 😊
My hope was, that canadian lady is different, but - dear Jenna - like every german woman also you do not close windows and terrace/balcony doors completely.
Why do women always turn the handle exactly to the middle between closed and open?
Why do women always "clopen" windows?
Hahaha! Hey, finally I am glad that you are not too different, because I love all women! 😍
I recommend pro tech @sparezone to recover your password
I recommend pro tech @sparezone to recover your password
I recommend pro tech @sparezone to recover your password
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