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我在德国的生活

我在德国的生活

搬到德国的香港女人的故事

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标签： 信用卡德国

发表于 10月4日，2020年2021年3月22日

德国免费信用卡–旅行和现金返还的前6名

功能remage_credit卡在德国_top 6免费信用卡旅游和Cashback_bonus Program_my Life在德国_福明_HKMANABROAD

在寻找德国的免费信用卡？ 查看德国前6名免费信用卡的比较，无论是为旅行和现金返还。 在本文中，您还将在德国找到有关信用卡的所有信息，包括信用卡类型，不同成本，如何选择最佳信用卡等。 继续阅读 “德国免费信用卡–旅行和现金返还的前6名”

我在德国的生活_german culture_germany blog_studing生活和在德国工作

联盟披露

我在德国的生活是亚马逊服务LLC Associates计划的一名参与者，该计划是一项旨在为我们提供通过链接到Amazon.com和附属网站来赚取费用的手段。作为亚马逊助理，我从合格购买中获得。除亚马逊外，本网站的某些链接是附属链接。这意味着我可能会收到来自这些链接生成的流量的补偿。但是，我只包括我真正相信的链接和产品。

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5年前我们在德国买了我们的房子。 SA 5年前我们在德国买了我们的房子。 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
你需要从祖国t汇款吗？ 你需要从祖国t汇款吗？o 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
通过这样做，我每年节省130欧元！ . Do you kn 通过这样做，我每年节省130欧元！ . 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
当我第一次搬到德国时，我的室友告诉m 当我第一次搬到德国时，我的室友告诉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! 📺
当你冲浪时，你可能会感到安全 当你冲浪时，你可能会感到安全t 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
下周一开始，FFP2面具将是强制性的 下周一开始，FFP2面具将是强制性的y on public transport, in shops and supermarkets in Bavaria 😲 . Make sure to stock up some masks now and prepare for next week! . . . . . . . . . . . . . . . . . . . . . . . . . . . . #ffp2 #facemask #mask #corona #bavaria #germany #covid-19 #foreigneringermany #expatingermany #foreignmomgermany #liveingermamy #lifeingermany #mylifeingermany #hkwomanabroad
所以，现在它是官方的，我们将延长我们的LOC 所以，现在它是官方的，我们将延长我们的LOCkdown in Germany till end of January, at least.😱 . But I am not optimistic. Many think that this will be further extended. Who knows.🤷 . Walking pass a field of snow today. I am wondering what I am going to do with my two little ones at home in the coming weeks. . Lucky me that I am still in parental leave. So I don't need to worry about work, at least. . Wondering how other working parents survive when they have to work from home with their kids. I had done that before when my kids were sick. I think it works if it is just a few days. . But for weeks? Or even months? My big respect to these working parents 💪 . I wish everyone to hang in there. Vaccine is on the way. We are seeing a light at the end of the tunnel. All will be good again. ❤️ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . #workfromhome #scenery #beautiful #germany #lifeingermany #mylifeingermany #workingermany #lockdown #quarantine #expatingermany #foreigneringermany #foreignmomingermany #momingermany #snow #snowfield #hkwomanabroad
今天，我的女孩在t期间花了她的第四个生日 今天，我的女孩在t期间花了她的第四个生日his quarantine time. . Before today, we were worried about how to make her birthday special, without a party and any other special activities outside. . No friends. No other family members. Everything is closed outside. No cafe. No restaurant. No zoo. No indoor playground. No nothing. . Maybe we adults are just worried too much. . At my daughter's age, she is not sad about being quarantined during her birthday. . We decorated our living room with birthday theme. We baked her cake together. We prepared all the presents from us and from other relatives. We sang happy birthday together with Opa Oma in the video call. She got a Peppa pig house and is busy playing with it now 🐷 . She is super happy and excited for everything happened today ❤️ . Kids are simple and we are blessed 💕 . My birthday is coming up in a few weeks while we will still be in quarantine. I need to learn from my daughter and be happy with every simple thing 😊 . . . . . . . . . . . . . . . . . . . . . . . . . . . #birthday #birthdaykid #birthdaygermany #kids #birthdaycake #birthdayquarantine #birthdayidea #cake #lifeingermany #livingingermany #mylifeingermany #expatingermany #foreigneringermany #momingermany #expatmomingermany #foreignmomingermany *hkwomanabroad
你听说过你的PE的养税或保险吗？ 你听说过你的PE的养税或保险吗？ts before coming to Germany? . I was quite shocked to hear them the first time. Didn't know that such things exist before. But hey, we are in Germany! 🇩🇪😂 . I have two cats which I adopted from an animal shelter in Germany. 🐱🐱 . I was surprised at how seriously animals are treated here in Germany. Sometimes, they are treated almost like humans. . This is a good thing here. At least I am not seeing all those wild or abandoned cats and dogs on the street like in my hometown Hongkong. . Everything is well organized in Germany 👍 . If you plan to move with your pets to Germany or adopt one here, make sure you know and comply with all the rules here. Especially for dogs. Pet laws here are very strict. . Click the link in my profile to check out more details about pets in Germany 🐱🐶

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想省钱吗？拿我的 德国省钱指南 for free!
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