Mimimi taxes Mimimi. The majority of Germans would be happy if they could pay capital gains tax, because then at least they have invested. And here people get upset if they have to pay a few euros. Somehow this country has to be financed and you get a lot in return. Schools, police, child benefit ...
@devnerd_daddy Where do you get a massive return? Internal security no longer exists, schools are falling apart, infrastructure is desolate, railroads are a joke.... We primarily use our taxes to pay the welfare office for anyone who wants a slice of the cake. They don't need to do anything themselves or ever plan to, just come here and raise your hand :)
@devnerd_daddy when I earn money it is taxed, when I spend the taxed money it is taxed again, a car is taxed twice and three times, my residence is taxed, when I invest the taxed money it is taxed and when I die the endlessly taxed money is taxed again. They are greedy bloodsuckers.
@devnerd_daddy Seepage is a national sport in the German administrative apparatus and especially in national security. Anyone who believes that we primarily support public order and social security with our taxes has not heard the shot.
@TaxesAreTheft Where is your invested money taxed? Unlike Switzerland, for example, Germany unfortunately has no wealth tax. (more)
In my opinion, inheritance tax in Germany is too low, especially if you are really rich. The performance of your loins has nothing to do with it, it would actually be fair if the inheritance was taxed directly with the income tax. (perhaps spread over 10 years).
That would create a balance between labor income and capital gains and at the same time eliminate the unspeakable wealth inequality.
@TaxesAreTheft Every time someone says that their invested money is taxed, I ask myself how they come up with such an absurdly stupid statement. Tax is paid on the money that you receive when you invest your money. That's why it's called KapitalERTRAG. I can't listen to it anymore... If it was an actual error in reasoning, I apologize for the harsh tone. But I just can't stand to see this kind of propaganda any more. Without this tax, rich people (who are good at it anyway) would surely come up with the most absurd tax avoidance strategies
@Nio1 To stick to the facts for a moment: In Germany, a lower percentage (approx. 25%) of GDP is spent on social benefits than in many other European countries (France, Italy, Austria, etc.).
Only 10-20% of social benefits go to unemployment benefits, the labor market and security systems. We primarily pay for pension insurance and healthcare (more than ⅔ of social benefits), from which each of us benefits.
@user35903002213 There have always been laws against tax evasion, in 1918 a law against tax evasion, in 1931 as Reichsfluchtsteuer and reorganized again since 1972 in foreign tax law, after the department store Horten had evaporated to Switzerland. Briefly summarized from Wiki
@Der_Dividenden_Monteur That it exploits those actually working in the healthcare system (nursing staff, nurses, doctors,...) and that doctors and hospitals no longer have to see their patients as people but only as case numbers for economic reasons.
In the meantime, insurance companies are making good money. But as soon as they have to pay something, they send in an assessor.
I once had an accident at work and was treated like a king by the ophthalmologist. I was allowed to pass everyone who was already waiting and was treated straight away. He also took a lot of time for me. The man wasn't greedy. It's just that with the money he earns from my treatment, he can make up for a few patients with health insurance if he wants to take more than 10 minutes for someone.
It should be common knowledge that healthcare reform is overdue. The system never really seems to have got to grips with the fact that there are no more people doing community service.
PS: I don't want to scold the privately insured at all. Many GPs use them to help finance other patients. Otherwise the medical profession would probably no longer be worthwhile.
Sources: Please google it yourself. I don't want to look it up today.
@Soprano and you're antisocial, that should be taken into account. 😀
It's interesting to see how people take advantage of so much in Germany and don't want to give anything in return. Of course, not everything is good, but it's not as bad as some people make it out to be.
But I understand that as soon as something is taken from you, it hurts 😀
@Eggplant I'm sick and tired of this 'you should be happy'. They are all servants of the people, they are obliged to maintain our standard of living and the basis for it. Politicians today are more influencers or celebrities and care more about their appearance and how they are perceived. My family has built this country over generations and paid endless amounts of taxes, everyone who pays even a cent in taxes has the right to demand that tax money is spent wisely and not on some luxury for politicians, NGOs or anyone else.
@TaxesAreTheft I'm not saying you should keep your mouth shut and be happy.
Sorry, but what your parents did and paid for has absolutely nothing to do with you. You simply won the sperm lottery in Germany and took advantage of all the things that the previous generations made possible for you.
Instead of giving something back, you have an unbelievable sense of entitlement and just moan. Have you ever thought about changing something within the country?
Probably not, that would involve work. Instead you moan and howl about how evil this society is. Sorry, but I find this anti-social parasitism simply despicable.
In my opinion, people like you deserve an inheritance tax of 100%, tuition fees of 100% and then you could finally prove how great you are.
All I ever hear is how great other countries are, and how great Thailand or similar is. Sure, the German salary there is not bad, but growing up there and salaries there?
1. pretty pathetic that you get personal right away.
2. of course it has something to do with me, I see how my ancestors have built up an existence and I have a great interest in their efforts not being in vain.
3. i'll give something back, you have no idea who i am and what i do. Pretty pathetic to just make assumptions as you see fit.
4. i criticize and provide possible approaches on how things could be better in my opinion. If you see that as "whining", well.
5. who are people like me?
6. when have I ever said something like "I hate Germany" or "Germany is so shit"? I criticize certain things and that's my right, whether you like it or not. When have I ever portrayed Thailand in a positive light? I would never want to live there. I love Germany, I love Europe, there are just things that definitely need to change, you seem to see it differently or I hit a nerve with you that makes you get personal because you immediately get emotional and attack me personally.
@Eggplant You don't have to be abusive, what's wrong with you? Just because you lack the factual arguments.
Would you rather explain to me what I am claiming in Germany? I've never received anything in this country that I haven't already paid for ten times over before or afterwards. And I have never had access to most benefits in the first place.
@TaxesAreTheft This "socialist mob" (sic!) has wasted less money on dubious projects than the previous Conservative government. Just by the way. They have pushed their own ideals to the limit to protect the German economy from the effects of the Russian war of aggression. They have pushed the industrial electricity price to a level below 2017. They have adapted the GEG designed by their predecessors so that poorer people can also benefit from modern heating systems.
What do you want to blame people for?
Of course, all of this should be taken into account when voting. For example, that thanks to Jens Spahn we now suddenly have a price jump in statutory health insurance. Or that he has wasted billions on dubious deals. Or that black and blue want to go back to heating with expensive gas. Or that Söder first wanted to shut down all nuclear power plants very quickly, now wants new ones, but is against final storage. Or think of Merz, who thinks he is middle class with his airplane. Or Scholz, who likes to forget cum-ex affairs.
@devnerd_daddy In my opinion, all politicians in Germany (actually all of Europe) are greedy socialists. No matter which party, I don't differentiate, they will do whatever it takes to maintain their luxury and position for as long as possible. As I said, the chainsaw must be brought in.
@TaxesAreTheft I don't think we can reach a common denominator here, because in my opinion you have to make a massive distinction between politicians who are simply human and sometimes make mistakes, but who generally stand up for the entire population, and those who stand out due to corruption, nepotism and affairs.
The question is what the "chainsaw" would achieve. History shows that radical cuts against or in democratically oriented systems primarily lead to autocracy or oligarchy.
I am not satisfied with much of what is going on politically, but I also see it rationally. Where is change possible, what does it require and what are the opportunities and risks?
@devnerd_daddy In my opinion, there hasn't been a politician who has stood up for the people since 2000. Politicians see themselves more and more as sovereigns and no longer have any connection to the citizens. If that were different, things would be very different here. But the whole EU has this problem, especially within the European Parliament. Adenauer and Willy Brandt would be turning in their graves if they knew what was going on here. What is the chainsaw supposed to achieve? First and foremost, to neuter the bureaucratic apparatus and clean it up. Politicians should first earn all their privileges and not be taken for granted. The problems of today's society arise from the fact that politicians are only concerned with maintaining their position and privileges, and not with maintaining the standard of living and livelihood of citizens. For them, citizens are just voters who can be taken for a ride. A state needs X amount of money to maintain the standard of living of the population, everything above that can be used to increase or further consolidate it. The important thing is that as many people as possible who receive benefits from the state in any form also pay into the system. However, if the number of net taxpayers shrinks, the state apparatus grows, the number of people who only receive benefits but have never paid into the system increases and money is spent on other things, the standard of living will slowly but surely become more and more diluted. Then come the tax increases, new taxes, cuts in benefits, increases in contributions, etc., instead of simply cleaning up the mess and focusing on the essentials.
@RIR119 The only question now is who was responsible for the advance lump sum? And if the law came from the traffic light, why didn't the FDP prevent it? I agree with you that personal experience should play a role in the voting decision, but who should be blamed here?
@RIR119 We need to start a campaign. All Getquin users vote for the FDP to get them into the Bundestag. Otherwise, all hope is lost for us investors...
@TaxesAreTheft Well, I actually stole the idea from the broadcasting fee. Nobody watches the junk, but the argument as to why you should pay is exactly that you would theoretically have the opportunity to watch it.
@TaxesAreTheft The prevailing conditions are simply unbearable in the long term and the majority of our fellow countrymen clap their hands at every new tax and every restriction of freedom.
@Schnurze that every fucking money has become so "expensive" is due to socialist and bureaucratic bullshit. For example, the taxation of companies is passed on to consumers, ~50% of fuel is tax, bureaucracy and rent control ensure that far too little is built, which further increases the housing shortage.
@Schnurze I can only play online games of chance if I live in Schleswig-Holstein. I can't buy knives that have a blade length of xx cm and a tilt angle of xx ° - but machetes are still okay. I generally can't buy any of the 1000 ridiculous things because they are supposedly subject to the German Weapons Act. I have to import my plastic straws from fucking China. From 2035, I can no longer decide what engine my vehicle has and what shitty heating system I install in my house is none of my business. I can't decide whether I want to put the lid of the milk carton NEXT to the milk carton. The state forces me to give my fingerprints for my ID card.
@TaxesAreTheft What does the rent freeze have to do with housing construction? It only comes into effect after the apartment has already been built and rented out and has absolutely nothing to do with the initial rental price of a new building.
@Soprano Nice examples you give there! While I can understand some aspects (gambling, knives, fingerprints), I can't share your assessment of the other points at all!
Personal freedom ends where the freedom of others is impaired - you would agree with me, wouldn't you?
The use of fossil fuels fuels climate change, which in turn affects people's freedom, especially that of the poor and future generations. It is therefore perfectly logical that the freedom (use of fossil fuels) of our privileged society is limited for the benefit of all.
You can continue to drive a combustion engine, but with climate-neutral energy sources (e.g. e-fuels). You also have the option of using hydrogen and electric vehicles. So you have even more choice than before.
The situation is similar with heating systems. You have a choice of various options (heat pump, pellets, district heating, direct electricity, biogas, hybrid systems, hydrogen, other e-fuels). But no longer exclusively fossil (65% RE). I have already explained that this is justified.
If people handled their waste responsibly, there would be no need for such straw regulations. But they clearly don't. In my opinion, there should be a ban on plastic packaging or it should be transferred to a circular economy via a deposit system.
No private company would provide ecological services (e.g. oxygen production, water management/provision, light, etc.) as cost-effectively as nature does. The complex environmental system must therefore be protected in order to prevent social and economic risks. We always take everything for granted...
In some aspects, bureaucracy and state intervention are simply the right thing to do - but there are certainly areas that need to be reconsidered!
@Schnurze Sure, I would agree with you. I would be prepared to accept a restriction if it ensured the freedom of other people in my country.
This is not the case with climate protection. It simply makes no difference. Germany is only responsible for 2% of CO² emissions. Even if these were reduced to 0, it would not help anyone. It is a purely religious argument to do things just to live up to the scriptures.
If anyone really took climate protection seriously, they would simply import gas from Russia and build 20 nuclear power plants as quickly as possible. Of course this would create nuclear waste etc., but that would be the lesser evil if we used Berlin as a nuclear waste disposal site than making large parts of the planet permanently uninhabitable if we continue to rely on coal power.
So you can see that even the Greens don't believe in climate change: * "Yes, climate change is bad - but NOT THAT bad that it should be allowed to reduce the profits of the solar and wind power lobby" * "Yes, climate change is bad - but NOT SO bad that we should be allowed to trade with an enemy of NATO."
Either the Greens believe that the consequences of climate change are absolutely harmless and irrelevant OR they are acting extremely irresponsibly. It can't be that they really believe that there will be serious consequences for the whole of humanity if we don't limit our emissions, but at the same time refuse to compromise, even if this could immediately reduce emissions.
Just imagine it figuratively. Imagine that if we don't achieve the two-degree target, it will have irreversible consequences for life on Earth. Imagine it. And then imagine that a guy who wants to be Chancellor and knows how serious the situation is has nothing better to do all day than report over 805 people for uploading a funny picture on the internet. Instead of doing something that could save the planet.
And I'm also in favor of protecting nature. Don't get me wrong. But it can't be that we keep talking about abolishing freedom because climate protection is so important, but climate protection is NEVER so important that we are prepared to make even the slightest compromise to achieve the goal.
And the straw thing certainly doesn't apply to Germany. We have been separating our waste for decades and plastic ends up in the yellow garbage can. And that's just another anti-freedom thing for the EU to say, yes, because some people in Romania or something like that can't manage their waste, everyone will now be punished.
Mei, 33 euros per 10,000 euros ETF - there are indeed worse things now. But it's still true: It's tax on unrealized gains, and I wonder how that went through legally ...
@Charmin the up-front lump sum paid is offset against a later sale. This means you pay less tax at the end. That's exactly what it is, early taxes. Not ideal for compound interest. However, I don't know what it's like if you hold an ETF for 5 years, make book gains every year and thus pay the advance lump sum every year. In the 6th year, the ETF plummets and you sell at a loss. In theory, all the advance lump sums paid would then have to be included in the loss pot. This would make the whole thing very complicated to understand. But from a purely logical point of view, this is exactly how it should work.
@Staatsmann It's just stupid if you never plan to sell your ETFs later. In good times they fill their pockets and when things don't go so well they say it's my risk.
@TomTurboInvest Not even the worst dictators in history have taxed unrealized profits. For me, this borders on a war crime. The state has forgotten that its only job is to maintain our standard of living and not to gradually reduce it.
@TaxesAreTheft We are all the state. Unfortunately, nowadays many people only refer to the rights and not the duties. Affluent society just like that 🤷🏽♂️
No offense, you're entitled to your opinion, but I don't think you've been around much, at least not in a state that was reacted to by a dictator. You'd have other problems than taxes. Among other things, you wouldn't be able to express your opinion with impunity 😉
@TomTurboInvest I know what you mean, I didn't mean it that seriously. I just have a very strong aversion to socialist bloodsuckers and sometimes exaggerate a bit.
That's harmless. I've paid upfront fees or something like that on a distributing ETF in Austria (I think this happens when the ETF sells shares internally, rebalancing and so on)
The tax is calculated with your ETFs. By virtually increasing the entry price. So you end up paying less tax when you sell. However, the tax deferral unfortunately does not apply
Above all, the upfront lump sum is not offset against the sale. You then pay the full amount again. And I predict that the 2026 advance lump sum will not take the 2025 lump sum into account either - it will become a hidden wealth tax.
What happens if you advance in a year and the same investment gets a loss in the next year (including the portion you already paid advance taxes). Do you get a refund?
1. will the advance tax be taken into account later when I sell the ETF or will I pay it twice?
The tax on the advance lump sum is an advance tax. This means that only the time at which you pay the tax changes. So anything you pay now, you won't have to pay later when you sell. It is not taxed again or taxed twice. Unfortunately, this does slow down the compound interest effect a little...
That's not true. You have an accumulating ETF. The shares in this ETF pay out dividends as normal. The fact that you don't always have to pay tax on them is actually a great concession. Especially as the advance lump sum is really very low.