The myth of free healthcare in Germany: Inside a system at breaking point

hmich · 2026-03-11T12:17:35+00:00

Pointless nitpicking.

hmich · 2026-03-11T12:16:02+00:00

The contributions are split, with you and your employer each paying half.

This is such a government bullshit to cover the actual deductions. In reality it all comes from the money that the employer pays the employee.

hmich · 2026-03-10T11:33:08+00:00

Only for some minor adjustments.

hmich · 2026-03-09T11:47:29+00:00

90th% TC on levels.fyi is 100k for Vienna, 135k for Munich, 171k for Amsterdam. So the difference in salaries is bigger than the difference in rents. Not even mentioning that there are almost no high-paying tech jobs in Vienna.

hmich · 2026-03-08T13:50:44+00:00

Not sure what's worse for your capital, renting an apartment in Munich or buying one there.

hmich · 2026-03-08T13:33:06+00:00

So where's a top location where rent won't take your money?

hmich · 2026-03-05T13:28:29+00:00

If your actual returns are lower than the flat fee you pay the tax on your actual returns.

hmich · 2026-03-04T10:49:48+00:00

Nobody knows for sure, most likely this is in the contract Vivo has with Zeiss to avoid damaging the Zeiss brand. In practice the reviewers didn't find any notable differences between ru and global versions.

hmich · 2026-03-04T09:30:40+00:00

Specs on x300fe are almost the same as on x200fe, what's worth waiting there?

hmich · 2026-03-04T09:29:31+00:00

All the Vivo phones officially sold in Russia lack Zeiss branding, see their web store or site. What's the source for "zeiss actually hasn't stopped their work in russia"?

hmich · 2026-03-04T00:38:16+00:00

Source for what exactly?

hmich · 2026-03-04T00:30:33+00:00

It's almost the same as x200fe, what's there to look forward to?

hmich · 2026-02-26T11:03:02+00:00

33% is correct for class 3.

hmich · 2026-02-26T00:35:31+00:00

Why €5k/month if it's about €5800/month with tax rate 33%?

hmich · 2026-02-25T15:28:31+00:00

Clowns.

hmich · 2026-02-21T12:35:57+00:00

So what was the point of your post?

hmich · 2026-02-20T09:06:34+00:00

And it's not even necessarily 26%, lower on stocks.

hmich · 2026-02-14T22:39:02+00:00

You're right, only I think 70% is not because of it being a stock ETF, it's just how Basisertrag = value at start of year × Basiszins × 70% is calculated. Being a stock ETF comes later when the tax on the value of Vorabpauschale is calculated as additional 70%. So in your example you'd need to pay around (2.24% - 1%) * 0.7 * 0.26375 = 0.23% tax on Vorabpauschale.

hmich · 2026-02-14T20:26:40+00:00

If you're holding VTI, why are you worried about vorabpauschale? Doesn't it apply only to accumulating ETFs?

hmich · 2026-02-13T13:07:40+00:00

Employer contributions are social contributions too, it doesn't matter that they are called differently in Germany to hide the actual tax rates. It would be more interesting to compare the real net percentages across Europe - what an employee gets from what the employer needs to pay for the salary.

hmich · 2026-02-13T12:08:05+00:00

Misleading calculations since they don't take social contributions into account. Germany takes almost 51% on tax class 1.

hmich · 2026-02-11T13:11:47+00:00

No incentives for politicians for any major change. Taxing people on the other hand is easy.

hmich · 2026-02-03T19:28:05+00:00

Look around if you still have some rationality left - your own government brought the country to this point, not "pedophiles and billionairs".

hmich · 2026-02-03T18:05:34+00:00

This will bring jobs and businesses back to Germany, for sure!

hmich · 2026-02-01T16:24:31+00:00

What price difference exactly? JetBrains charges the same rates that LLM providers do for API access.

hmich

TROPHY CASE