Numbers | FIV | Magazine

Instagram trends, Facebook ads, TikTok growth, Pinterest updates & more – News.

Elisa — Thu, 14 Oct 2021 14:59:02 +0000

Social Media Trends – How social media is affecting our lives in the pandemic based on download numbers. SocialMediaOne also reports on TikTok trends. Whether it’s songs, dances, recipes – you can find everything you need to know about them and how to copy the trends here. On the website Hootsuite you get a super guide to Facebook ads for the coming year. Brandwatch introduces you to the 20 most popular Instagram accounts and which influencers you should definitely know!

Social Media News: Trends 2021!

Social media is more important than ever, as the ongoing pandemic has shown us. TikTok and Instagram are influencing our daily lives like never before. Everyone stays at home and has time on their hands, so the internet is just too flooded with new videos and posts. Whether it’s dances, recipes, songs or video clips, trends of all kinds are spreading incredibly fast and eventually disappearing just as quickly as they appeared. The website Bolg2 exclusively reports on the latest social media trends, future topics and tips. Read more about it here in our news section.

Social Media: User numbers in comparison

There are 4.4 billion active social media users in the world between now and then – hard to believe, but that’s more than half of the entire population! The Corona pandemic has made a huge mark on the industry and social media has gained tremendous importance. In just one year, from October 2019 to October 2020, the number of social media users increased by 453 million users. An average person spends almost two hours a day on social media – this was unimaginable just a few years ago. The most popular platform among young people today is TikTok, a network based solely on videos. Find out how many downloads TikTok has in the meantime and who the three biggest TikTok stars are here.

TikTok: User numbers in comparison – Germany vs. USA

Here you can see the number of downloads of TikTok via the Google Play Store in Germany from January 2017 to August 2021 (in 1,000).

Aug 2021: 721,070 downloads (-6.5%)
Aug 2020: 771,190 downloads
Aug 2019: 291,910 downloads
Aug 2018: 1,252.45 downloads

In contrast, in comparison, the number of downloads of TikTok via the Apple App Store worldwide from January 2017 to September 2021 (in millions).

Aug 2021: 15,330,000 downloads
Aug 2020: 9,230,000 downloads
Aug 2019: 6,040,000 downloads
Aug 2018: 4,570,000 downloads

Regions of the world: who uses social media?

Here you can see the share of active social network users by region worldwide in the respective population in 2021. Here are the top 5 users. At the top is Western and Northern Europe, followed directly by the Americas and Asia. The last to go is Africa.

Western Europe: 79%
Northern Europe: 79%
North America: 74%

More news: Facebook, Instagram, Pinterest & Co.

Here you will find all the other news of the week, so that you are always up to date on the topic of social media.

All Facebook: Facebook groups stats, here’s how!

This week on All Facebook, it’s “Tweeting is the new officialese: learning from the best authorities” and “Facebook Groups Stats: The Detailed Tour” . More news from this week:

Social Hub IO: Instagram algorithm – 7 tips

Social Hub IO’s blog features “Advertising Labeling in Influencer Marketing” and “These Social Media Books You Should Know in 2021!” . More news from the blog:

Blog 2 Social: Social Media Trends 2021 (Study)

This week on Blog 2 Social among other articles on “How to connect your WordPress website to Facebook for auto-posting” and “Instagram business, creator, or personal account? Why the Instagram business account may be the best solution” . More from the blog:

Hootsuite: Guide to Facebook Ads

Exciting stuff this week from Hootsuite, such as “The Complete Guide to Facebook Ads in 2022” and “How to Use UTM Parameters to Measure Social Media Success” . More news from this week:

Brandwatch: 20 Instagram accounts with the most followers

In contrast, Brandwatch reports this week on “Understanding and Engaging Consumers:inside at the Speed of Social” and “Brandwatch + Cision” . More headlines of the week:

Thomas Hutter: Pinterest – Updates for shopping functions

Thomas Hutter’s blog looks at “Facebook: Detailed targeting expansion gets partially standardized” and “Pinterest: updates to shopping features” . More news from the blog:

Social Media One: TikTok Trends: Songs, Dances, Recipes & Co.

New from Social Media One this week includes “Global: Social Media Agency Worldwide for TikTok, Youtube, Instagram, Facebook & Co.” and “TikTok Trends: Songs, Dances, Recipes, Comedy! Content Examples & Ideas” . More recent news:

Swat IO: Building a social media team

This week Swat IO has topics such as “The way to the perfect channel mix – how to choose social media channels correctly” and “Seasonal social media marketing – how to successfuly pick up trends” . New topics of the week:

Social Media Hoffmann: 7 reasons for the company blog

This week’s Social Media Hoffmann blog is all about “Why Community Management is the Beginning of Everything” and “Training Employees for Social Media” . Updates and news from the blog:

T3N: How to optimize your business for the holidays

This week on T3N, among other things, “Live captions for all: YouTube gets new audio features” but also “How to optimize your business for the holidays – and maximize your online sales” . New articles, headlines and trends:

FutureBiz: The most important update yet for Instagram Reels

New articles and posts from FutureBiz this week include “/article/facebook-pivot-to-audio/” and “A Minute on the Internet & Social Media: Using Discord, TikTok, Instagram, Zoom & Clubhouse” . More Headlines of the Week:

Taxes USA: Buying real estate – Taxes, property tax etc. for house, apartment & land

Lisa-Marie — Wed, 04 Nov 2020 23:00:00 +0000

USA – What taxes do you have to pay when you buy a house in the USA? Below you will find a list of all the types of taxes you have to pay, how much they are, where you can read more about them and what they are used for. Everything you need to know about the taxes associated with buying a property, be it your home or a vacation home. We answer the questions, what are “transfer taxes”? How much is property tax when you buy a property? Here are the answers.

What taxes do you have to pay when buying a house in the USA?

Buying a home is a massive investment, and most people are surprised by the many additional costs. In order to understand all the additional costs that come with buying a home, you need to understand taxes. This means that the three types of taxes listed below are all necessary costs that you must pay to the government in the area of the home you are buying.

Tax prepayments

When buying a home in the United States, you usually have to pay 6 months worth of property taxes up front when you buy. That is, six months worth of property tax, called prorated. However, when you buy the property, there are only three taxes. That makes this pretty easy to understand. Property Tax is the tax an individual must pay annually for owning property, Transfer of Ownership Tax is the tax on the purchase of the home, and Mortgage Registration Tax (where it exists) is the tax on the registration of the mortgage. Many of these taxes can be deducted from your federal tax bill.

Do you have to pay sales tax?

No. Under federal law, real property, such as homes, property, or land, is not subject to “sales tax.” Although, in some states, there is a sales tax on items that can be interpreted as a home (e.g., a mobile home).

Taxes you need to know

These are the taxes you need to know about when paying for your home. How each of these taxes is calculated depends on the city, county, and state where the property is purchased. The three relevant taxes that apply when you buy a home are the property tax, the transfer tax, and the mortgage registration tax. Not all of them exist in all states, and there are many subtleties to consider.

Real estate taxes (= property taxes)

Among the many types of taxes in the United States, Property Taxes is one of the most misunderstood. It is a tax paid annually on the ownership of property or other items. However, it is an essential part of the tax bill and understanding how it works is a must for any property owner or anyone interested in buying property. So here we answer the questions: what are Property Taxes? What items that are taxed in Property Taxes? In which state do you pay a lot of Property Taxes?

Property taxes are ad valorem taxes that you pay for owning property. Generally, this property consists of land as well as anything permanently attached, such as real estate, but also roads, docks, pools, etc. In some states, property taxes even include items such as boats. When buying a home, these must be paid up front and then recovered from the seller. Property tax is usually a rate that is multiplied by the assessed value of the property. This value is estimated by an appraiser and takes into account location, age, etc.

Average US real estate tax: 1.11%

Property Taxes, like other taxes, are levied once a year for U.S. citizens on April 15.

Which properties are taxed under Property Taxes?

Property Taxes are often confused with a tax on real property. However, this is a misconception. The majority of Property Taxes are levied on real estate because this is the most expensive property that most people own. However, Property Taxes can also be levied on aircraft, computers, furniture, etc. In addition, Property Taxes consist not only of the house or building itself, but also the land and any other property that is permanently attached. This means that wharves, for example, are also taxed in Property Taxes.

How much is the property tax?

Property Taxes are considered ad valorem taxes, which means that they are based on the monetary value that is estimated to be attached to an item, land, property, etc. The basis for the calculation is the property appraiser. This is based on the estimate of how much it would cost to purchase that item in that year, which is based on market value, location, condition, acreage, etc.

Usually there is a tax rate for the specific location that is affected by local, state and federal laws. This tax rate is multiplied by the assessed cost or value of the property. For example, in California, where the property tax rate is 0.77%, if you pay for a property valued at $100,000, you will pay $770 to the IRS.

Transfer taxes (=Transfer Taxes)

Transfer taxes are real estate transfer taxes. That is, a tax paid on the transfer of title to a property from the seller to the buyer. It falls under the category of ad valorem taxes. Real estate transfer taxes are usually based on the cost of the property when it is sold. In other words, they are a tax on the sale of the home. Some states describe them as a fee for the work necessary to complete the documentation of the new property.

Average US transfer tax: 0.6%

These are often perceived as one of the more complicated taxes because the tax rate varies not only from state to state, but also from county to county and city to city. For example, in New York there are New York State (0.4%), New York City (1.4%), Mansion (1%, only if you buy a house > $1 million) transfer taxes. That means if you buy a house for $1 million, there is a total of $28,250.

In short, these taxes require US home buyers to pay a certain amount to the IRS when purchasing a property or land. There are many details as each state has unique tax structures, some have no transfer taxes, etc. Below is a brief summary of everything you need to know about real estate transfer taxes.

Your city, county or state may impose a transfer tax, which is a transaction fee on the sale of any property. Depending on your location, either the seller or the buyer may be responsible for this payment. The rate varies by location. In the U.S., this variation occurs between states, between property types, and across county and municipal boundaries.

Transfer taxes are controversial, with many supporting them as an effective way to raise government income by infrequent and comparatively small amounts. They are criticized for being regressive (i.e., disproportionately burdening lower-income households), for being unpredictable, and for being difficult to understand, among other reasons. The National Association of Realtors has taken an official position against this tax.

Who pays the real estate transfer tax in the USA?

In most cases, it is customary for the seller to pay the real estate transfer tax. Nevertheless, this figure often becomes part of the negotiation process. Furthermore, since there is no law stating that the seller must pay the tax, this figure is variable. If the seller is exempt from paying a real estate transfer tax, the buyer is forced to pay it. Sometimes, such as in Washington DC, the tax is split 50/50 between the seller and buyer.

When do you not have to pay transfer tax?

You don’t have to pay transfer tax if….

Transfers to children and grandchildren
Transfers on the basis of a lawful divorce
Transfers to joint tenants after the death of one of the parties
Transfers of cemetery plots

Mortgage registration tax (= Mortgage Taxes)

There are some important taxes to consider before buying a home. This tax, also known as the mortgage registration tax, mortgage recording tax, or document stamp tax, is one of those sneaky fees. A real estate agent is often tasked with taking these taxes into consideration, but it’s important that any home buyer is aware of the taxes involved in buying a home. Keep in mind that Mortgage Tax often falls into the same category as Transfer Tax, but is not identical to it.

This tax is based on the amount of debt secured by obtaining real estate. It is a tax assessed by the state and paid to the places where the mortgage is documented and recorded. If the buyer wants a mortgage, they pay the mortgage registration fees. In Minnesota, there may be an additional tax such as an “Environmental Response Fund Tax”. The 7 states that require a mortgage tax are Alabama, Florida, Kansas, Minnesota, New York, Oklahoma and Tennessee.

Average US mortgage recordation tax: 0.2%-.4%

How is the Mortgage Tax calculated?

Every state has a Mortgage Tax. The mortgage rate is easily calculated by multiplying the interest rate at the property’s location (be sure to follow state and county regulations!) by the amount included in the mortgage. Also, be sure to round up mortgage taxes.

For example, in New York State there is a Mortgage Tax of 1.05%. This means that taking out a mortgage in New York with an interest rate of 1.05% and a mortgage worth $500,000, costs $7,500.

Mortgage Tax = Mortgage Tax Rate x Total Mortgage Amount

It is possible to reduce Mortgage Tax by “Assignment Transfer”. In short, the borrower transfers the assignment of the mortgage to a new company, whereby the original tax is transferred and therefore does not have to be paid.

New York – Mortgage Tax

Name: Mortgage Tax
Rate: 1.05%
Exemption: possibility of $30 if the “property in question is or will be improved by a one- or two-family dwelling.”

Additional fees when buying a home?

Everyone knows that when you buy your home, you pay money to another homeowner as part of your mortgage interest for a long time. You probably also know that there are some fees that you have to pay to a realtor if you have hired one. However, there are many additional fees that you can expect to pay on top of that. In general, you can roughly estimate that these costs are usually between 3 and 6 percent of the total purchase price of the home.

People like to refer to all of these costs as closing costs, but strictly speaking, closing costs are any costs incurred at a point of sale of a property that are not part of the property’s base value. However, this does not include furnishings or mortgage insurance, for example. This includes any additional closing costs as well as additional fees you may incur when purchasing a property.

All fees – List

Below, we highlight what fees a buyer must pay, who pays them, and why they are paid. Here we list the most important ones:

Serious money

The first expense you incur when buying a home is called “earnest money.” This is a form of down payment, a deposit made by a prospective buyer that demonstrates the seriousness of their intentions to purchase. It is usually paid to a broker or agent and held in escrow until the purchase is completed. Later, it is used to pay the down payment or closing costs.

That is, unless the deal fails and it is determined to be your failure. If it is not, and the deal fails for reasons beyond the buyer’s control, the money is refunded to the buyer. Typical “earnest money” deposits in the US range from $500 to $2,000.

Between $500 and $2,000

Down payment

Everyone has heard of down payments, and it’s important to understand them. A down payment is a portion of the total price of the home that you pay at the point of sale. Since most people can’t pay the entire amount of the property at the point of sale. It usually works like this: An individual pays a down payment to the seller of a property. A financial institution, such as a bank, pays the seller the balance and receives scheduled payments from the buyer. These scheduled payments are part of a mortgage, read more in our article

How much is a down payment?

In the U.S., rates vary, but the typical rate is 20%, with 5% or less being rare but still possible. The higher the percentage, the less the individual will typically borrow from the bank and therefore the lower the interest on the money needed to repay it. Furthermore, the more that is paid, the lower the amount on which interest is charged. For example, if the interest rate is 20%, you will pay less if it is 20% of $200,000 than if it is 20% of $800,000.

Mortgage Insurance

Mortgage insurance, not to be confused with mortgage tax, is insurance that you will be able to pay your mortgage. Typically, this is only required if you make a down payment of less than 20% of the original purchase price. Also called private mortgage insurance or mortgage insurance premium (same thing, but if you get a mortgage through the Federal Housing Administration). In addition, those who obtain a loan through the Department of Veterans Affairs do not have to pay any mortgage insurance.

How much is the mortgage insurance?

Mortgage insurance rates typically range from 0.55% to 2.25%. This percentage is calculated as a proportion of your loan. For example, a loan totaling 2 million with a mortgage insurance rate of 2% is $40,000. Additionally, these are usually paid annually.

Furnishing – critically underestimated

In fact, setting up your furniture is an often underestimated part of buying a new home. Although this is irrelevant to those who just want to spread investments, it can be a significant amount of money for homeowners. The cost of moving into a new home can average up to $35,000. Moving costs average between $1,100 and $5,630 for the average homeowner, and for those buying properties in the millions, this sum is much higher. This includes a thorough professional cleaning of the new home, hiring movers that can cost up to $50/hour, which adds up to thousands. Then moving supplies like blankets or paint to paint walls as well as hiring painters. The list goes on.

For real estate investors who want to rent out their property, the costs are even more substantial. With sums of $10,000 expected for an unfurnished home, homebuyers often do not factor this into their expected costs.

Discount points

Discount points are also known as mortgage points, upfront points or simply points. These are not compulsory, but if paid for, offer significant benefits as there is no low interest rate on the loan. The buyer pays a certain amount to the seller, which then allows the buyer to lower the interest rate on their mortgage. These can be used in a similar way for conventional or government loans. If you invest in a discount point, you can lower your interest rate by 1%.

1 discount point = 1% less interest

When you can buy discount points

It is beneficial for a buyer to invest in discount points when two factors apply:

The buyer intends to own the property for a long time, which means the interest will be paid for a long time. A discount point would then mean that leasing dollars would be paid every month, and over many years it would be worth it.
If you intend to pay off your mortgaeg in the allotted time period or longer. For people who intend to pay off a 10-year mortgage in 5 years, for example, a discount point would be worthwhile.

Deposit fee

This is a fee paid to the title company, escrow company, attorney, etc. who helped the buyer close the sale. As with most other closing costs, this is a percentage of the sale price. Often the value of this is split between the buyer and the seller.

This fee goes to the escrow agent who helps you close. It can vary depending on the purchase price of the home, but it is paid to the party handling the closing: the title company, escrow company, or an attorney, depending on state law.

Title search fee

The title search fee is another closing cost. It pays for the work that the title company (an organization that the buyer has typically hired) does to ensure that there are no ownership issues or disputes in the past. This is one aspect of closing costs where it is quite easy to reduce costs by investing time to identify quality, low-cost companies.

Fees for surveys/appraisals

You will need an official and registered survey and valuation of a property for the lender. If an existing survey of the property you wish to purchase cannot be obtained, a new survey will need to be done to determine the exact boundaries of the property. This usually costs about $500. For the appraisal, you will pay a certified appraiser to determine the value of the home. Most lenders require this, this usually costs between $300 and $400.

Property tax

Property taxes must be paid pro rata at the point of sale. This means they are included in the closing costs. For a complete overview of these and other taxes, such as the notarization tax (also called the notarization fee or certification fee), see the full article

Origination fee/loan Origination fee

This fee is part of the mortgage closing costs and covers the administrative costs of processing a loan and is usually 1% of the loan amount. Some lenders do not charge this fee, but instead have a higher interest rate. It’s important to know that these fees can often be itemized in your final statement.

Homeowners insurance

Just like property taxes, when you buy a home, you have to pay a prorated share of homeowners insurance. This means that you have to pay up front for a certain period of time. This period is usually one year. As you pay the insurance premium, the cost depends on the home insurance policy

Attorney fees

These will not be necessary everywhere or for every purchase. Some states require an attorney to oversee the purchase of the home, and in some situations the buyer may want an attorney for other reasons. These attorneys, of course, take on fees, and if you are buying a property, you will have to pay them.

Title Insurance

Title insurance is designed to protect both the lender and the buyer from claims. These claims can be against the house in the case of the lender and against previous contractors making claims in the case of the buyer.

Lender’s Title Insurance

Lender’s title insurance is a one-time fee paid at the time of closing. It is paid to the title company to protect them in the event of a title dispute, such as if a lien arises that was not identified during the title search. This fee is usually between 0.5 and 1% of the loan amount.

Title insurance

This is an optional fee. Although you may very much regret it if someone questions the ownership. Therefore, although it is not mandatory, it is done by almost everyone and in any case highly recommended.

Broker fees

Brokerage fees are probably the first thing people think of when they think of closing costs. These are also called broker commissions or real estate commissions. These are often paid by the seller, but they are usually part of the negotiation as well, so in a sense, they are paid by the buyer. These are the fees paid to the agents of a real estate purchase. These agents are usually the estate agent (i.e. the seller’s agent who offers the property) and the buyer’s agent (who finds, organises etc the property for the buyer). The fee is usually between 5-6% of the purchase price, which means an additional cost of up to $60,000 if you are buying a property worth $1 million.

Tax break real estate USA – Money Saving Simply Explained

USA – Mortgage Credit? Property taxes? Here we explain all the important terms about saving taxes in the United States. You can make money by choosing some of the endless ways to save on your taxes. Here is a simple guide on how you can reduce the amount you pay on your property or real estate in USA. From tax credits to deductions. Below is a simple overview of what goes into your tax bill and how you can reduce the taxes you pay.

Saving taxes on real estate

Most people spend too much on their property taxes. It’s not hard to lower your tax burden. Unless you plan to move overseas to a tax haven and pay no taxes at all, it is crucial to understand the tax incentives in the US. There are many tax deductions you can apply that will reduce the financial loss on your tax bill. Owning real estate in the US is supported by the government and therefore is incentivized by taxes. Be sure to read the fine print, however, as each state has its own tax structures and systems. In general, the following rules apply.

Tax credit, tax deduction? What does that mean?

It is important to distinguish between tax credits and tax deductions, and between non-refundable and refundable tax credits.

When you invest, you pay less tax, which is called tax credits. Refundable tax credits are money you are entitled to no matter what your tax bill is, so if you receive a refundable tax credit of $8,000 and only have a tax bill of $5,000, you will receive $3,000. A non-refundable tax credit only reduces the amount you have to pay in taxes, so you are not entitled to the extra $3,000.

Tax credits: receipt of money as a result of investment

A tax deduction, on the other hand, refers to the income you have to pay taxes on. For example, if your income is $100,000 but you receive a tax deduction of $20,000, the income you are taxed on is increased to $80,000.

Tax deduction: reduction of the amount of income that is taxed

Real Estate Tax Tip #1: Reassess Your Property

Most of the taxes you will pay on your property in USA are Property Taxes. Property taxes are fixed rates levied on the assessed value of your home or property. This value often depends on the purchase price, but usually this price is increased by 2% by the county authorities to account for inflation. In some cases, such as after renovations or natural disasters, the value may be reassessed by an appraiser. Therefore, it is possible to appeal an appraiser’s assessment.

“Mortgage” – deductions or credits?

If you’re investing in a home, you’re likely to take out a mortgage. In short, a mortgage is a “secured” loan where you offer your property as collateral in case you are unable to repay the money you borrow.

Mortgage credit

The government intends to help those who need to repay loans. For this reason, when you pay a mortgage, you may be entitled to a tax credit in proportion to the amount you pay on the mortgage (read “Mortgage Credit”). You apply for what is called a Mortgage Credit Certificate. A Mortgage Credit Certificate is a document that proves you are paying the mortgage and that you are entitled to this tax credit. The credit is capped at $2,000.

Mortgage Interest Deduction

Not to be confused with its brother, the Mortgage Interest Credit, this tax deduction is based on the interest you pay on a loan secured by your first or second residence. To qualify, you must have a qualified (i.e., meeting certain requirements, e.g., ability to repay, not being x% overleveraged, etc.) mortgage on a home you own. Most individuals can deduct 100% of the interest they pay on their mortgage up to $750,000. To claim this deduction, you must complete Form 1040 on the IRS website(download).

State and local property tax (SALT) deduction.

It is possible to include state and local taxes on your federal tax bill. This means that you can deduct the property taxes on your state, county and municipal taxes from your federal tax bill. The itemized deduction for state and local taxes paid is limited to $10,000 per tax return for single, head of household, and married taxpayers filing jointly. For married taxpayers filing separate returns, the limit is $5,000, regardless of whether you pay directly or through a trust account.

Limit of $10,000 for single entrants
Limit of $5,000 each for married filers

Local tax relief

As mentioned earlier, because of the complicated tax systems in the US with individualized tax structures for individual states, counties, and municipalities, you are likely eligible for many more tax breaks. For example, in California, local property tax breaks are included on a property if it is your primary residence, for veterans, seniors, etc. Another example is the homestead benefit, where some states reduce the taxable portion of the value of your property if it is your primary residence.

Real estate taxes – How to save

As a homeowner or land investor, saving money on your tax bill is the first way to cut costs. There are fewer easier ways to make money or reduce costs than simply getting them from institutions you pay bills to. Whether it’s getting money directly from the government or simply paying less, it’s an important part of being a knowledgeable investor and homeowner.

Pension Video Tips: Understanding, calculating & paying tax on pensions. Tips and tricks to avoid mistakes

Lisa-Marie — Sat, 10 Oct 2020 22:00:00 +0000

Pension Video Tips – The pension is for many – especially young – people often a vexing topic. People like to put it off for too long because they don’t want to deal with the topic of retirement. However, retirement planning, paying into the pension fund and the like are definitely topics that should be dealt with early on. Especially now, when pensions are likely to continue to decline in the coming decades, you should make provisions in good time. In these videos, you’ll get tips and tricks from experts on the topic of “Understanding Pensions”. We also give you insights into investment options and the Riester pension. If you are interested in the topic of pension video tips, then perhaps the topic of successful investing is also relevant for you.

Understanding pensions and avoiding mistakes: Tips and tricks for more pension

Here you will find everything you need to know about pensions. With our video tips, you can really get smart and avoid mistakes when concluding the pension. Whether you’re a beginner or advanced, we’ll show you the best and most helpful videos.

Here’s another tip for you (external). What’s the best way to protect yourself from poverty in old age due to low pensions? The answer is: turning taxes into assets. Tax avoidance means building knowledge yourself. Online you can find a lot of (free) articles and tips on Lukinski.de: From real estate as an investment by renting to asset management to saving taxes with real estate (external). Everything free of charge from the expert.

Tip! Overview Wealth Building XXL – Book, Video, Tips & Tricks

If you want to build up private wealth and create financial reserves, there are a few things you should keep in mind. In addition to the tips you get in this article, you might also be interested in our extensive overview page. There you will find an overview of articles, as well as book and video tips with successful and helpful books and videos on the subject of wealth accumulation – including tips and tricks from professionals and experts.

Book & Video Tips Overview: Wealth Creation XXL

The pension system

How does the German pension system work and what options are there to provide for retirement? This and much more you will learn in this video!

How much pension do you get?

You’ve always wondered how much pension you can expect later on? Learn in the video, based on an example how you can easily calculate your pension amount.

Pension information: What the numbers mean

Social security contributions (health insurance and long-term care insurance) and taxes may still be deducted from the gross pension. In this video, the information in the pension information is explained to you based on an example and clarifies what pension you can really count on. Net comes out significantly less than I imagine that many.

Calculate pension

The video shows you how the pension formula works and which decisive factors influence the pension amount.

This is how pensions are taxed

Whether it’s the statutory pension, benefits from a Riester contract or a company pension scheme, anyone who receives a pension these days will almost certainly have to pay tax on it. A big problem is that every year more pensioners become liable for tax and do not even notice this at first and are also obliged to file a tax return. Pensions are taxed in Germany, but there is no single rate for this, but for many forms of pensions there are separate rules. We have summarised these and tried to explain them simply – so that you do not experience any nasty surprises when you retire.

Avoid pension errors

Apply for a statutory pension. And it’s very simple. That’s what this video is about. You don’t get your statutory pension just like that. Here, too, you have to make an application. And as always, when you make my application, you can also make mistakes. How you do not make mistakes in your pension application and what options you have for applying for a statutory pension, you will learn in the video.

Tips for more pension

More pension from the statutory pension insurance? Who wouldn’t like that? In fact, there are a few ways you can boost your state pension. However, very few people have heard of these possibilities.

Investment option: Riester pension explained

There are various pension options. One of them is the so-called Riester pension. You can find out how it works and what it actually involves in the video.

Fear for the pension

Many people worry that there won’t be enough money in retirement. Everything is getting more expensive, but the pension level is falling. Many people do not have a private pension. Do we have to work until we drop? What is the best way to save for retirement?

https://www.youtube.com/watch?v=5_m142HVh3s

Further links

We have more helpful video and book lists for you on topics that might interest you. Below are some helpful links for you.

Retirement provision

The topic of old-age provision is one of the most important issues Germans are concerned about. Already at a young age, one is made aware of the need to provide for later. But how exactly do I do that? When do I start with the old-age provision? Which mistakes should I avoid? Where can I get tips? And why do I need a pension at all? We answer all these questions and more here.

Video tips on the subject of old-age provision
Book recommendations on the subject of old-age provision

Tax return

Why, why, why are tax returns so important? Not only professionals, but also students or pensioners can benefit from a tax return. If you have never deducted anything from your taxes and have no previous knowledge, you can get super informed in our tax return guide. We show you tips and tricks on how to avoid mistakes and provide you with tutorials that will help you with your first or next tax return. If you want to know even more, then we have a great article on the tax basics: income, sales & Co.

Video tips on the subject of tax returns
Book recommendations on the subject of tax returns

Buying real estate

With our book and video list on buying real estate, you can’t go wrong with your next real estate purchase. Our book tips cover all topics from the right inspection to the closing and the possible resale. What do you have to pay attention to? How do you finance your purchase? How do you evaluate a property? And how do you conclude the contract? You will find the answers here.

Video tips on buying real estate
Book recommendations on the subject of buying real estate

Invest successfuly

Successful investing is a dream of many people. But unfortunately, it is not as easy as it seems. How can you start as a beginner in the investment industry? What do you have to consider and which mistakes should you try to avoid? What is worth investing in? And what does the term “investment” mean anyway? We present you the best books on the subject of investment!

Video tips on the subject of investment
Book recommendations on the subject of investment

Advisor Wealth Accumulation XXL: Finance, Investment & Co.

Who wouldn’t like to build up their own assets? No matter whether you want to be able to afford something or would like to generate a financial buffer for old age, asset accumulation is a relevant and, above all, sensible topic for virtually everyone. But what options are there for building up assets? Life insurance, retirement planning, or investing in real estate? Here you will find an overview of articles, as well as book and video recommendations on the subject of asset building. From saving taxes to passive income to tips on successful investing – experts and professionals share their know-how in their videos and readings and answer all questions about wealth accumulation.

Book and Video Tips: Wealth Building XXL