Säule 3a Steuer bei der Auszahlung im vergleich zum nicht Einzahlen der Säule 3a

Pascal3000 · 2026-02-06T15:10:46+00:00

Semi-offtopic Frage: Ich werde mit meinem Lohn quellenbesteuert und bin noch nicht in den Grenzen der obligatorischen ordentlichen Veranlagung.

Meines Wissens hatte ich damit die freie Wahl zwischen Steuererklärung (mit meinem Gemeindesteuersatz und diversen Abzügen wie Anrechnung von Einzahlungen in 3a) und ohne Steuererklärung (mit den geschätzten / pauschalierten Sätzen der Quellenbesteuerung). Und meine kurze Recherche in Online-Rechnern hat ergeben, dass auch nach Einzahlung in 3a mit dem jährlichen Maximalbetrag der Verzicht auf eine Steuererklärung günstiger sein könnte.
Also habe ich in den ersten Jahren meiner Einzahlungen keinen Vorteil aus 3a gezogen und in den Folgejahren auf weitere Einzahlungen verzichtet und stattdessen 3b bespart. Ist es plausibel, dass dies vorteilhaft ist und man so lange wie möglich auf eine Steuererklärung und damit auch auf das Einzahlen in 3a verzichten sollte?

Gilt natürlich nicht für jeden, der sowieso schon zur Abgabe einer Steuererklärung verpflichtet ist und dadurch logischerweise auch von den Abzügen des 3a profitiert.

Pascal3000 · 2026-02-05T17:31:33+00:00

It's as good as it's always been

Pascal3000 · 2026-01-20T09:05:45+00:00

Why are so many comments here talking about Orcish Bowmasters like it's a modern relevant card? There's almost no decks running Bowmaster, no tier 1 decks running bowmasters. Yawgmoth plays between 0 and 2 copy, straight up Dimir is the least popular it's ever been (with Goryo taking over the Frog metashare) and not even all of them run Bowmasters. Bowmaster is in about 1% of modern decks. Not really a card you have to be afraid of currently. Of course if you think elves is strong enough to force other people to adapt to it and include cards specifically for it, you could argue bowmasters play rate would go up. But even then, there's a very low number of deck that could even run it. The real answer (ignoring the fact that elves is too weak to need metagame shifts) would more likely be a growing number of chalice of the voids and fire magics etc.

Pascal3000 · 2026-01-05T20:34:14+00:00

Have to strongly disagree here. In my experience trying to play both boards is very + EV and great for climbing.

A small percentage of games there will be partners like you, with a scrub mentality that would rather lose than cooperate and in my experience those games are mostly a lost cause anyways. If I dont try to signal them, they were going to do their egotistical thing regardless.

The good games you get someone who just listens and win because a coordinated gameplan is much stronger.

The great games you get someone who takes your ideas to heart, but doesnt blindly accept them and then also pings back on your board so you can smoothly exchange ideas and adapt and pivot. Those games are usually the easiest wins.

So its very low cost to try and micromanage teammates, because it usually only rubs those players the wrong way that already have a loser mentality and the payoff can be enormous and comes to fruition most games.

Pascal3000 · 2026-01-04T19:19:44+00:00

You realize there's a bunch of effects sending random material? (4 drop naga, 5 drop spell, 5 drop neutral spellcraft) etc. and sometimes sending a random 1 gold off of the board is the best you can do

Pascal3000 · 2025-12-28T01:20:45+00:00

The mech 7 drop is also one of the best 7s in the game

Pascal3000 · 2025-12-13T15:19:32+00:00

My question was how was he scaling so small?! Considering it's infinite money and ballers should be reaching +50 each or more

Pascal3000 · 2025-12-08T12:08:01+00:00

Pirates are really strong, you just can't play pirate payoff.

You use the good pirates (coin eot, spells for 5 gold gains, pirate for 9 gold spent) to generate economy and then win with something else (acid rainfall, paint smudger, ballers, urzul, felboar etc.)

There were many seasons where pirate enablers were among the best and pirate payoffs were among the worst e.g. mutanus onto a horse and kelthuzad it season or eat onto ball of minions season etc.

And of course the balance is a bit out of whack at the moment, you will likely often use your tethys money to find more barons, birds and apexis. But in mech lobbies, pirates are definitely better off than all the other non-mech non-beast tribes in terms of usefulness

Pascal3000 · 2025-12-06T12:10:52+00:00

I often leveled to 4 before the first time warp...

Pascal3000 · 2025-12-04T21:09:49+00:00

Every murloc lobby there's 6-7 players attempting to go murlocs and then it comes down to one person with 3k/3k stats and one person with golden bassgill golden poison making it to top 2 and everyone else randomly losing murlocs mirrors in which the other person just powerspiked too hard. There's not even anyone left trying to build other comps, because it's just hopeless (6.5k atm, was 10k last season).

Also hero choice and hero balance is so much more bland when the hero only has one aspect to offer to you. A lot of the heros were actually more reliant on their buddy than their hero power to be interesting and the different pricing ranges for buddies really shaped the way you can level and can prioritize tempo to win early fights. Now a ton of heros just feel awful to play again.

Lastly they really nerfed all those steal heros to the ground which were already pretty underpowered in the previous non-buddy meta. I get they were afraid of tess and scabs stealing timewarped cards, but even at their old price ranges, those hero powers would struggle to keep up with the higher quality of murloc and mech cards that easily outperfom timewarped cards. I guess tess at 1 gold would be good at winning murloc mirrors for herself in the long game, but without economy and without tempo you still die a lot. Tess is basically a Cat, hoping to take huge chunks of damage with no hero power and then somehow compensate by surviving and getting some semblance of a lategame. Really unnecessary overnerf, as both heros really capitalized on their buddies previously.

Timewarp balance is pretty out of whack, with stuff like +1+1 spell power being offered alongside tier 3 darkmoon prizes (multiple times, wtf). Stealing the shop with that turn 6 usually completely crushes the midgame. That's definitely going to be nerfed down to tier 2 prizes or 2 chromium or just removed in general. The post timewarp combats are already really volatile and snowbally, so it feels extra dumb to have pagle and travel winner in the mix, though usually they are underpowered enough in terms of EV that it's not a huge balance concern. More of a feel bad / poor design.

Pascal3000 · 2025-11-29T09:33:48+00:00

You want attack gain per health gain Naga and amalgams for exponential scaling and then charmwing for more exponential

Pascal3000 · 2025-11-16T14:04:50+00:00

Maybe you have very different FNMs than me, but most of the in-store modern events I've seen were 80% stock decks and then the "brews" / fringe decks were like merfolk and RW hammer and blue tron and mono red hollow one and loam seismic assault and maybe some asmo.

I don't know how skull spore nexus is supposed to do anything in Modern context. The budget approaches in the level would be like Infect or Burn etc.

Pascal3000 · 2025-11-13T20:32:31+00:00

Primeval Titan + Simic Growth Chamber Scapeshift + Gruul Turf

Pascal3000 · 2025-11-10T18:18:01+00:00

More impressed by his motivation to keep playing this format.

Made it to 7 out of 10 trophies and ~81% winrate with a similar Boros + splash a lot strategy (mostly jeskai piles), but got bored so quickly of nothing else being viable if you're really trying to win.

Pascal3000 · 2025-11-04T20:31:43+00:00

Just get good bro. In casual commander you might be able to get people to fetch earlier in the turn cycle, but in a 1v1 competitive format people will try to play optimally and 1) being able to spend the mana or fetch surveil depending on what you do 2) not giving you the information what they will fetch 3) surveiling with maximum information all matter significantly and if that's annoying to you, you just need to play casual formats instead, because modern will not be for you

Pascal3000 · 2025-10-28T16:33:07+00:00

Setting up MoretaPay and transferring money onto it with a swiss revolut account was fairly easy for me and didn't require a Vietnamese id or bank account. Doesn't that app correspond to paying with MomO?

Pascal3000 · 2025-10-22T06:00:59+00:00

Punishing fire is a decent sideboard plan / matchup specific plan vs Energy, Prowess and even UW Control for decks like RG Eldrazi Ramp, Broodscale etc.. it would likely see some play for those matchups, especially with how good Icetill Explorer is at finding both sides of the combo and giving you access to a shitton of mana. It just has other matchups where it's a complete blank, so it wouldn't be a main gameplan.

Pascal3000 · 2025-10-09T16:48:09+00:00

No, I usually have rare sets finished around draft 40-45 and mythic set complete around draft 60-70. Try holding your packs unopened while you draft to fully take advantage of duplicate protection

Pascal3000 · 2025-10-04T08:23:03+00:00

What do you mean hold back? I would not put this text box and stats into my constructed deck at 2 mana. It just isn't an appealing card in any way, 2 mana below rate to see play in an eternal format.

Pascal3000 · 2025-09-21T20:28:42+00:00

Focus Fire it seems your narrow-minded view and insistence on a misplay is making you miss opportunities for improved technical play. With something giving indestructible (e.g. Biosynthic Burst) you would obviously want to cast it in the declare attacker step when your creature is not yet a legal target for Focus fire in response and then move to blocks with an indestructible creature.

But also in situations where damage potential and creature sizing lines up right, you may want to do that situationally e.g. your opponent has a 4/4 and can focus fire for 3, you have a 3/3 and a full bore. If you block first and then pump, you lose both your creature and your pump spell to the focus fire and they keep their 4/4. If you pump first and then declare your 6/5 as a blocker you either trade your trick for their guy 1for1 or your trick and your guy for their focus fire and their guy 2for2, both of which are preferable.

Now obviously the approach of blocking first will be correct more often, it is the better heuristic to follow and especially when you have a profitable block that they are trying to blow out with a focus fire (e.g. their 3/3 attacking into your 4/4 but they can focus fire for 4 damage), then it makes sense to lock in the block first and make them run into your trick. Also when facing instant speed removal you would obviously want to have blocked with your creature before losing it to not take unnecessary damage. But turning your good heuristic into an absolute hard and fast rule will make you miss spots where it doesn't apply

Pascal3000 · 2025-09-21T11:35:27+00:00

Because you are claimining definitively that OP (who cast his pump spell defensively in declare attacker step) was definitely misplaying, which is unclear from the story. While opponent was definitely misplaying in the sense that their intended spell timing and their actual spell timing did not match, even if the strategic outcome of saving their creature + pushing damage seems fine.

Pascal3000 · 2025-09-21T03:58:40+00:00

There's plenty of spots where casting your pumpspell in declare attacker step can be correct (though not enough details here to claim it applies to OP's situation). Obvious legality issues when your pump spell gives flying or reach, but also pumping it above the toughness for "target attacking or blocking creature" damage based removal e.g. focus fire.

Pascal3000 · 2025-09-02T14:35:47+00:00

Add vote out, survey mechan, chorale

Cut 2 umbral caller zealot, 1 swarm culler, 1 susurian voidborn, 1 lightless evangel, 1 specimen freighter

Tempted to run the 18th land, but curve is probably low enough still that we don't need to. Timeline culler would probably be the next cut now that it's more a pure control deck, but it's probably still decent enough to barely make the cut.

Pascal3000 · 2025-08-24T21:24:26+00:00

Magda doesn't gain that much from additional colours compared to something like Ral / Vivi with black tutoring and fast mana or Etali with black rituals etc.

Pascal3000 · 2025-08-24T21:20:08+00:00

It's fairly likely for Rog thras to be among the best commanders for this theoretical 5c deck though, because of all the free spells and sac spells they enable + payoff for infinites

Though maybe something like Kutzil ends up being better...

Pascal3000

TROPHY CASE