Discover your fragrance! Our perfume store

Our perfume categories are a true oasis for all fragrance lovers. Here you will find a wide selection of perfumes for women, men and unisex. Whether you are looking for a floral, fruity, woody or oriental fragrance, you will find it here. Let yourself be seduced by our fragrances and find the perfect companion for every occasion.

Stephan’s perfume mission! Store & Idea

I’ve been to perfume fairs for you, like here in Florence for Fragranze, trips to Los Angeles with perfume icons and of course the many blog posts about trends, brand perfumes and niche perfumes.

“Everyone has their favorite perfume, including me! What I was missing was a subscription with regular delivery and a gift box” (Stephan, founder of FIV & Shops)

Why boxes? The most famous perfume influencer (Jeremy) once gave me a selection of fragrances. I keep them like a treasure, even though they are almost all empty. Why doesn’t anyone sell good perfume boxes? Voila!

1. Over 1,000 fragrances in the store
2. The most popular perfume brands
3. Perfumes by subscription
4. Perfume selection in boxes

You can find everything on Fragrance Tip!

The crème de la crème of perfume brands

We are proud to stock an impressive range of prestigious perfume brands, including Calvin Klein, Chanel, Dior, Gucci, Versace and many more. These brands are synonymous with quality and sophistication, and we offer you the opportunity to discover these exquisite fragrances in our store.

9 shopping ideas, our community loves these brands:

• Chanel
• Dior
• Dolce & Gabbana
• Giorgio Armani
• Gucci
• Jean Paul Gaultier
• Lancôme
• Versace
• Yves Saint Laurent

Our perfumes are divided into different categories to make it easier for you to find your desired fragrance. Whether you’re looking for a women’s, men’s or unisex perfume, our categories make choosing a fragrance a breeze.

Luxury in every bottle!

If you’re looking for a touch of luxury, then our selection of luxury perfumes is just the thing for you. These fragrances are created with exceptional ingredients and are presented in elegant bottles. They are a symbol of elegance and style.

Perfume subscription: Subscribe to fragrance and save 5%

Our perfume subscription offers you the opportunity to regularly discover new fragrances and expand your collection. Every month we send you carefully selected perfume samples so that you can always try out new fragrances. Immerse yourself in a world full of surprises and find your new signature fragrance.

Save time and money when shopping! Get your subscription in the store:

• Perfume subscription

Your favorite perfume, delivered to your home every 6 months

Our deliveries are made directly to your home every 6 months, which means you never have to go through the stressful shopping trip in crowded stores again. You can test the fragrances in the comfort of your own home and decide which one suits you best. What’s more, our perfume subscription is the perfect gift for your loved ones to give them the joy of high-quality fragrances. Explore the world of fragrances in our perfume online store today!

Your time is precious!

Your time is precious, and we understand that. With our perfume subscription, you can save time and explore the exciting world of fragrances at the same time. Trust the experts and be surprised by the best fragrances. Start your perfume subscription today and experience the convenience, time savings and variety of the best fragrances the perfume world has to offer. Enjoy testing and discovering without leaving the comfort of your home.

• Perfume subscription

Perfume Box: Top 7 fragrances from experts

Our perfume boxes are the result of careful work and expertise. Each box is created by us, inspired by perfume experts. We select the best fragrances and brands to offer you an unforgettable fragrance experience.

• Perfume Box

Discover new favorites!

With our perfume boxes, you have the opportunity to discover new fragrance favorites that you might never have tried otherwise. Whether you want to be enchanted by floral, fruity or oriental perfumes, our boxes offer a wide range of fragrances to suit your taste.

Perfect as a gift for Valentine’s Day, birthdays & co. … and of course for yourself!

Variety in every box!

Our perfume boxes contain a diverse selection of perfumes from well-known brands. From timeless classics to modern creations, you’ll experience a wide range of fragrances suitable for every occasion. Best of all, each box is a surprise, making the discovery even more exciting.

• Perfume Box

Reviews: Satisfied customers

Our customer reviews speak for themselves. Read the experiences and opinions of other buyers to convince yourself of the quality of our fragrances. We are proud of the positive reviews and strive to offer you a first-class shopping experience.

Wishlist! Your fragrance wish list

Create your own fragrance wish list to keep track of your favorites and always be informed about new arrivals. We want to make sure you find the perfect fragrances that best reflect your personality and mood.

The world of fragrances on FragranceTip.com

Our perfume online store invites you to explore the world of fragrances and experience the scent of seduction. We are convinced that the right fragrance can boost your self-confidence and create unforgettable moments. Discover our selection today and be inspired by the seductive fragrances.

We look forward to welcoming you to our online perfume store and helping you find your own personal fragrance. Enjoy browsing and discovering in our store and let yourself be enchanted by the scents of seduction.

• Perfume Shop

Jil Eileen: Her life traveling around the world

FIV: As can be seen in your Instagram feed, you have already seen and traveled to many countries. Which of these destinations have been your favorite so far?

Jil: Phew that’s a very difficult question, I’ve already traveled to 63 countries and each one had something special in its own way. I couldn’t decide where I liked it best, I would go to every country I’ve been to again.

FIV: On social media and on your website, you talk almost exclusively about travel. How did you develop this passion? What excites you most about traveling?

Jil: I’ve always been very adventurous and loved getting to know new places, cultures and people. In 2018, I quit my job and set off alone with a backpack to travel the world. Even before that, I had always planned my days off and vacations so that I could travel as much as possible, but once I had traveled full-time, I was hooked. What excites me most about traveling is discovering new places, feeling the freedom and being myself.

Happiness is the only thing that doubles when you share it, so why not share what makes me happy with you!

FIV: You are only 26 years old and still very young. How do you finance your many trips? How frugal are you and do you have any tips for our readers on how to travel the world cheaply?

Jil: I saved well in advance for my year solo trip around the world, I had 3-4 jobs at the same time and was really hard-working. So I was always able to put a lot of money aside. It’s very important to always keep in mind that ‘every little helps’. This applies to saving and spending. Before you save nothing, save at least something. Then it may take longer to reach your target amount, but you will still reach your goal. And when it comes to spending, it’s the other way around, if I think ‘oh, that’s only €5’ for every little thing, then that can be quite a lot at the end of a trip. I always write down every € I spend on my trips to get an idea of how much the trip has cost me so far. If I’ve budgeted well then I can treat myself to something, if I haven’t budgeted well then I can just eat oatmeal for 3 days I’m now self-employed and can live off my travel blog and online store, instead of working hard and saving up in advance I now travel and work in the meantime.

A day with Jil: adventure or relaxation? Mountains or pool?

FIV: What does a perfect day on vacation look like for you? Are you more of an active person or do you prefer to take it slower? Chilling by the pool or climbing in the mountains? What type of vacation are you?

Jil: I am the active traveler, I love hiking, climbing in the mountains, surfing at the sea & have so many ‘bumblebees in my butt’ that I always want to do something. Of course I also like to lie by the pool or the sea, but that tends to happen between activities.

FIV: What has been your most exciting experience on your travels so far? Was there ever a particularly exciting event or did you perhaps undertake an unusual activity? Paragliding, bungee jumping or something like that?

Jil: I have experienced a lot when traveling but the first activity that comes to my mind is a hike in Hawaii. The Olomana Trail, also called ‘Three Peaks’. A very dangerous hike that gave you an absolute adrenaline rush and was just so much fun, even though you were pushed to your limits.

Germany tour: route, tips & what the country has to offer

FIV: A few months ago, you and your boyfriend went on a tour through Germany. How did you come up with this idea and how did you plan the tour? Was there a fixed route or did you set off spontaneously?

Jil: We’ve already seen so much of the world but not yet our own country. We wanted to change that, so we did a lot of research and looked at everything Germany has to offer. We thought about a route in advance and then drove to the places we had picked out. I sometimes went with my boyfriend, but sometimes with friends too.

FIV: Tell us something about this tour. Which destinations did you head for and which sights did you want to visit? Would you have thought that Germany has such beautiful places to offer?

Jil: I have to admit, I underestimated Germany! I never thought I would see such amazing places in my own country. We went hiking on the Moselle, in the Black Forest and in the Palatinate Forest, we discovered stand-up paddle boarding on Lake Constance, we went swimming in the lake at Eibsee in Bavaria and we couldn’t stop being amazed in Saxon Switzerland. At the age of 25, I made it to the German seaside for the first time

FIV: As you can see in your Instagram feed, you went camping and slept together in the car. What was it like for you to live in such a small space? Would you do it again and recommend it to others?

Jil: It wasn’t a problem for me, you just get to know each other better and bond more. We furnished our car a bit with a topper on which we slept, hung curtains on the windows to darken it a bit and have privacy, and decorated it a bit comfortably. Apart from that, we of course had a gas stove and everything we needed for camping In the beginning or to get out spontaneously, the car is the perfect alternative. In the meantime, we have converted a van, moved in and are traveling through Europe.

Insider tips & goals for the future

FIV: Where was the best place? Do you have an absolute insider tip for us? A special place, a sight or perhaps even a secret route?

Jil: I liked Saxon Switzerland best, the landscape there is really breathtaking and you can go hiking for days and always see something new

FIV: What is your absolute dream destination for the future? You’ve already seen a lot of the world. Is there still a country or perhaps even a specific place that you dream of visiting at some point?

Jil: There’s a lot to be honest, but Namibia, the Philippines, Peru and Sweden are at the top of my list.

The top 10 cheap perfumes from Jeremy Fragrance

His list of affordable perfumes shows that quality doesn’t have to be expensive. These fragrances offer an impressive fragrance experience at an affordable price.

1. versace eros

Look, Versace Eros isn’t technically a cheap perfume, but if you buy the 200 ml bottle for around $73, it becomes an affordable option. That makes it a great choice if you’re looking for a quality fragrance at an economy price.

2. jnon sport

This fragrance is reminiscent of popular scents like Dior Sauvage and Creed Aventus, without being a direct clone. It is a good option if you are looking for a similar fragrance. In particular, I recommend this perfume for my Pakistani viewers.

3. Montblanc Individual

Montblanc Individual used to be easier to get at a discount price, but it’s still a solid choice. This fragrance offers fresh notes reminiscent of a fabric softener with a sweet raspberry note.

4. abercrombie & fitch first instinct

This fragrance is perfect for teens and young adults. I compare it to “My Date for Men” and note that while it doesn’t last as long as that one, it’s still a good choice for a fruity cocktail scent.

5. versace blue jeans

This fragrance from Versace is extremely strong and is particularly suitable for use in hot weather. Wear it in the heat, because then it unfolds even better and lasts for over 18 hours.

6. you’re wild

This fragrance is striking and designed for those with attitude. It has a dark cherry note with leathery undertones and conveys a powerful presence.

7. ancre noire

This fragrance is hard to wear, but its price-performance ratio is unbeatable. Ancre Noire is often perceived as a more expensive fragrance, even though it only costs $35. It offers a smoky, woody note.

8. Halloween Man X

I love this fragrance that smells like coffee and Versace Eros. It is a great choice and highlights its lasting performance.

9. salvatore ferragamo F Black

This fragrance offers a blend of apple, pepper and tonka bean and exudes a sweet freshness with a spicy note. Olivier Polge created it.

10. nautica voyage

The best selling men’s fragrance on Amazon is a fresh and clean scent that smells like a refreshing shower. This aquatic fragrance is affordable yet offers great quality.

Vacation is always expensive, right?

The vacation season is just around the corner and you didn’t manage to save that much this year? Don’t worry, vacations don’t always have to be expensive!

You get off particularly cheap with a roof tent, because after the purchase price you save all travel costs. Our expert (from Campwerk roof tents) will tell you exactly how to do this. Campwerk sells roof tents, tent trailers and camping accessories, so our expert knows the subject really well and has answered some questions with a lot of joy on the subject.

Want to bring the kids along? Then you’ll find more helpful tips for camping trips with your offspring here:

• Camping with the family

Cheap camping with the family: roof tent & accessories

FIV: Thanks for letting us meet for the interview. What tips do you have for families who want to save money on vacation and still have an unforgettable experience?

Campwerk: One idea to save money and still have a great camping vacation is to choose nearby destinations with your family first to reduce gas costs. You can save further with seasonal deals and cheap campsites, as well as by planning your own meals and free activities. You can also learn more little tips and hacks by sharing with other campers.

Accessories & Equipment: What you need in any case!

FIV: What camping equipment and accessories do you think are indispensable for a successful trip with the whole family in the roof tent?

Campwerk: Even if you want to save money, there are some things you should definitely take with you. These include a spacious roof tent, comfortable sleeping bags and sleeping pads, a folding camping table with enough chairs, cooking utensils, a camping lamp or headlamp, a cooler or cooler bag, a tool and repair kit, mosquito repellent, a well-stocked first aid kit, and sun and rain protection. If you choose high-quality products, you have more chance of them lasting a long time, even if they cost more at first.

Advantages of the roof tent: No hotel costs

FIV: What advantages do you see in traveling with a roof tent, especially compared to traditional accommodations?

Campwerk: Compared to other accommodations, rooftop tent camping offers cost-effective lodging options because you don’t have to book expensive hotels or vacation homes. Traveling with a roof tent is a great way to save money during your adventures. Moreover, you save on travel expenses and at your destination you still have to spend money on bus and the like. This way you can reduce other expenses and use your travel funds for other activities and experiences.

Destinations & campsites: Tips for places & how to get there

FIV: First, prospective campers should pick a destination. What routes or destinations do you recommend for families who want to travel budget-consciously with a roof tent?

Campwerk: In Germany, natural areas such as Saxon Switzerland in the east and the Black Forest in the southwest offer inexpensive or free campsites for an intensive nature experience. With impressive rock formations and spectacular mountain scenery, these regions allow for inexpensive camping along scenic routes. Travelers can explore rural areas and avoid tourist strongholds. Find destinations and camping tips here: Camping in Germany.

Choosing campgrounds outside of expensive major cities and using permitted wild camping options offer additional savings opportunities.

You can read more about it here:

• Wild camping

Search for the right campsite: planning

FIV: In order for a camper to find a suitable campsite, he should plan well. What experiences have you had when it came to finding inexpensive campsites or overnight accommodations for families?

Campwerk: It is often helpful for families to use online platforms to search for cheap campsites and accommodation. There are dedicated websites and apps that list campgrounds, RV sites and cheap accommodations and offer user-friendly search functions. Additionally, travel blogs and forums can provide valuable information and recommendations from other families who have had experiences with cheap campsites.

It is advisable to plan and book early, especially in high season, to get the best prices and ensure there are enough available sites. Camping outside of tourist hotspots and taking advantage of wild camping opportunities in countries where it is allowed can also save you money. For that, you just need to do thorough research beforehand.

With these 5 steps you should find a cheap campsite:

1. Special websites & apps list campsites
2. Search travel blogs & forums for valuable recommendations
3. Choose campsites outside of tourist hotspots
4. Take advantage of opportunities for wild camping in permitted countries
5. Early planning & booking in high season for best prices

Get off the campsite: Cheap vacation activities

FIV: As a rule, a camper doesn’t just stay at the campsite. What inexpensive activities and attractions in nature offer families with a roof tent to keep their travel costs low, but still have unforgettable experiences?

Campwerk: You can go hiking and walking in nature, have leisurely picnics and barbecues, or swim in natural waters. Stargazing under a clear sky or wildlife watching are also inexpensive ways to discover the beauty of nature. You can also find natural playgrounds for your kids, try geocaching, or check out local festivals and events for cultural experiences.

These inexpensive activities lend themselves to nature:

• Hikes & walks in nature
• Host cozy picnics & barbecues
• Bathing in natural waters
• Stargazing under clear sky
• Wildlife watching
• Discovering natural playgrounds for children
• Geocaching as a cheap leisure activity
• Cultural experiences through festivals & events

Arrival & car ride: save fuel

FIV: What are some ways families can reduce the cost of fuel during their rooftop tent trip while minimizing their environmental impact?

Campwerk: You can do this by carpooling, driving more economically, and traveling in the off-season, when fuel prices are often cheaper. Additionally, drive moderately on the highway, have your vehicle regularly updated to new standards, choose campsites close to your destinations and environmentally friendly means of transportation such as bicycles. Not only your wallet will be happy, but also the environment.

Cooking & living on the campsite

FIV: How can families make their meals inexpensive yet delicious during a rooftop tent trip?

Campwerk: For this, you can rely on simple recipes and use staples such as rice, pasta and legumes. You can often buy fresh and local produce at affordable prices at local markets. Good supplies and the use of a camp stove allow you to prepare meals yourself, while disposable grills create an inexpensive barbecue experience.

Camping-friendly foods like canned goods and snack bars are convenient, and using shared kitchens at campgrounds can further reduce costs. Through smart planning, recycling leftovers, and additionally using water sparingly, families can conserve their travel funds.

So you can cook economically even on the campsite:

• Simple recipes with staple foods (rice, pasta, legumes).
• Buy affordable, fresh & local produce at local markets
• Use camping stove for home prepared meals
• Disposable grills for cheap barbecue experience
• Camping-friendly food (canned food, snack bars)
• Use communal kitchens at campsites
• Clever planning, use of leftovers & economical use of water

Special Tip: Organization & Do-It-Yourself Ideas

FIV: What special tips do you have for our readers at the end?

Campwerk: For cheap travel you need above all careful planning and organization. When camping, you usually have less space than in a hotel. That’s why you should only take what you need, but also make sure that you don’t have to buy too much new to save money. Find out about the fees for sanitary facilities and toilets. At most campsites they are free, but at some you will have to pay for them.

In addition, weatherproof clothing and a sturdy tent should be kept on hand to be prepared for unpredictable weather. If you invest once in good quality, you have less follow-up costs.

Extra tips for DIY campers: Everything self-made

FIV: What creative solutions and DIY ideas are there for making inexpensive and comfortable camping gear yourself?

Campwerk: There are plenty of creative DIY ideas to make inexpensive yet comfortable camping gear for families with a rooftop tent. Homemade storage solutions, camping furniture made from pallets, DIY insulation, mosquito screens and curtains can organize storage space and improve comfort. Plus, families can create a DIY camping kitchen and assemble a DIY repair kit to make their rooftop tent trip more enjoyable and affordable.

Well, curious? More about Campwerk & Roof Tents

Would you like to get to know Campwerk even better? Then learn more about these camping specialists below:

• Campwerk roof tents

Furthermore, you will find additional links to Campwerk, where you can get comprehensive tips on your first camping equipment and assemble it individually:

• Roof tent website
• Roof tent blog

More camping! Cooking in the fire, roof tent & more insider tips

Imagine: the tantalizing scent of flickering campfire in the air, the lively rustle of canvas tents, and adventurous hikes under a glittering starry sky. Whether you’re looking for comfort or need that adrenaline rush, camping holds something for everyone and promises pure bliss. And the best part? You can explore numerous breathtaking places on a small budget.

Here you will find everything about the latest high-tech gadgets for cozy living and enjoyable cooking under the open sky!

Explore the perfect campsite, travel to exciting destinations and get exclusive insider tips:

• Camping
• Camping with roof tent

You want to explore sparkling mountain lakes? Quite simply, camping fun for young and old, full of water fun and hiking adventures for the whole family!

Jil Eileen: Her life traveling around the world

FIV: As you can see in your Instagram feed, you have already seen and traveled to many countries. Which of these destinations have you liked the most so far?

Jil: Phew that’s a very difficult question, I’ve already been to 63 countries and each one had something special in its own way. I couldn’t decide where I liked it best, I would go to every country I’ve been to again.

FIV: On social media and on your website, you talk almost exclusively about travel. How did you get into this passion? What excites you most about travel?

Jil: I have always been very adventurous and loved to learn about new places, cultures and people. In 2018, I quit my job and went out on my own with a backpack to travel the world. Even before that, I’ve always scheduled my days off and vacations to travel as much as possible but once I traveled full time the ‘addiction’ hit me. What excites me most about traveling is to discover new places, to feel the freedom and to be myself.

“Happiness is the only thing that doubles
when you share it, so why not share the
what makes me happy share with you!”

Traveling on a budget? – Jil’s experiences & your money saving tips

FIV: You are only 26 years old and still very young. How do you finance your many trips? How frugal are you and do you have any tips for our readers on how to travel the world inexpensively?

Jil: For my year solo world trip I have saved well in advance, I had 3-4 jobs at the same time and was really hardworking. Accordingly, I could always put money aside. It is very important to always keep in mind that ‘little things make a mess’. This is true when saving and also when spending. Before you save nothing, save at least something. Then it takes longer until you reach the target amount, but you still reach your goal. And when spending it is exactly the other way around, if I think with every little thing ‘oh that’s only 5€’ then that can be quite a lot at the end of a trip. I always write down every € I spend on my trips to have a look at how much the trip has cost me so far. If I have budgeted well then I can also treat myself, if I have not budgeted well then I can also eat only oatmeal for 3 days Meanwhile I am self-employed and can live from my travel blog and my online store, instead of working hard and saving in advance I travel now and work during.

A day with Jil: mountains or pool?

FIV: What does a perfect day on vacation look like for you? Are you more of an active person or do you prefer to take it slower? Chilling by the pool or climbing in the mountains? What type of vacation are you?

Jil: I am the active traveler, I love to go hiking, climbing in the mountains, surfing at the sea & have so many ‘bumblebees in my butt’ that I always want to do something. Of course I also like to lie by the pool or the sea but that’s the
tends to happen between activities.

Travel adrenaline rush: dangerous hike in Hawaii

FIV: What has been your most exciting experience on your travels so far? Was there ever a particularly exciting event or maybe you did an extraordinary activity? Paragliding, bungee jumping or something like that?

Jil: I have experienced many things while traveling but the first activity that comes to mind is a hike in Hawaii. The Olomana Trail, also called ‘Three Peaks ‘. A very dangerous hike that gave you an absolute adrenaline rush.
and just damn fun even though you have come to your own limits.

Germany tour: route, tips & what the country has to offer

FIV: A few months ago you did a tour through Germany together with your boyfriend. How did you come to this idea and how did you plan the tour? Was there a fixed route or did you set off spontaneously?

Jil: We have seen so much of the world but not of our own country. We wanted to change that and so we did a lot of research and looked at what Germany has to offer. We have thought about a route in advance and are then the places we have picked out. I was sometimes with my friend on the road but also sometimes with girlfriends.

FIV: Tell us something about this tour. What destinations did you go to and what sights did you want to see? Would you have thought that Germany has such beautiful places to offer?

Jil: I must confess, I underestimated Germany!!! I never thought in my life to see such great places in my own country. We were hiking at the Mosel, in the Black Forest and in the Palatinate Forest, at Lake Constance we discovered stand up paddle for us, at the Eibsee in Bavaria we were swimming in the lake and in Saxon Switzerland we couldn’t get out of the amazement. With 25 years I have then also made it the first time to the German sea

Vacation in the car? – live and sleep in a confined space

FIV: As you can see in your Instagram feed you went camping and slept together in the car. What was it like for you to live in such a small space? Would you repeat that and recommend it to others?
Jil: For me it was no problem, you just get to know each other better and thus welds more together. We have our car a little equipped with a topper on which we slept, curtains hung on the windows to be able to darken it a little and to have privacy and decorated it a little cozy. Otherwise, of course, we had a gas stove and everything you need for camping In the beginning or to get out spontaneously, the car is the perfect alternative. In the meantime, we have expanded a van, moved in there and travel through Europe.

Saving or investing? – What do I do with my money?

You have two options for building up wealth. Either invest money or invest money. If you rely on real estate as a capital investment, your financing will “reduce” itself over the years, and this way also offers protection against inflation.

Here we have summarized the decisive advantages of real estate as an investment:

• Real estate is stable in value with inflation
• Inflation “reduces” your loan

Source: Asset building/ Real estate experience.com

Money investment and value investment in comparison

Let’s look here at the investment of money in the bank and the investment of value as real estate in comparison, with its impact on the loan.

1. Investment: Savings book, Riester pension & Co.
2. Investment: Real estate as a form of investment
3. Loans: steady reduction due to inflation

Investment: Savings book, Riester pension & Co.

The typical forms of investment are still present. Not much has changed in society’s savings behavior in recent years. Many blindly invest their money in the bank in the form of building society savings contracts, Riester pensions or endowment life insurance policies. Often, people save and, due to interest rates and inflation, receive almost less money than they paid in.

• Interest and price increase are credited to you
• Loss of value due to inflation – amount of money remains the same or even becomes less

So, simply put, 10,000 euros will always remain 10,000, as described above.

Real estate vs. savings book: Who wins?

Even in times of crisis, real estate is considered a safe investment. It is stable in value in the event of inflation and even your loan can be positively affected by a depreciation of money, so you can sell your property later for twice its value.

• 10,000 Euro savings account after 30 years: 10,000
• 10,000 Euro Property after 30 years: 20,000

Reduce loans: Inflation as your best friend

Due to the devaluation of money, the value of your property is constantly increasing. So what happens to your loan?

A quick look at a loan taken out:

• 10.000 Euro credit today, are also later still 10.000 Euro

If you have already rented out your property, all the better! Due to inflation you get steadily more rent, and continue to pay off your loan through your passive income.

• 2020 = 350 Euro rent / repayment 300 Euro
• 2035 = 460 Euro rent / repayment 300 Euro

Don’t think so? Look it up yourself: Inflation Table

Source: Asset building/ Real estate experience.com

Conclusion: Real estate as a money pit

In the long run, real estate is a real goldmine. In addition to the return earned through rent payment and profit on sale through appreciation, the amount of income increases thanks to inflation. So your repayment of the loan becomes easier and easier.

Here again our most important points summarized:

• Real estate is stable in value with inflation
• Property can be sold later for double the value
• Investment: loss of value due to inflation – amount of money remains the same or even becomes less

The next step: real estate for retirement provision

In our last article on wealth accumulation, you already learned what inflation means. Here we will show you the effects of inflation on your future pension. Here again the question arises whether real estate is not the better way to provide for your old age than an investment in the bank or the statutory pension plan. In this article, we compare your three alternatives to show you the best way to stop worrying about your assets in old age.

Guide: Taxes, Income & Co. – Everything explained!

Taxes are dry and annoying for most people. But those who deal intensively with the topic can also recognize its advantages. For example, if you know your way around, you may be able to save or avoid a lot of taxes with the right strategy. So it’s worth getting to know and understand taxes, because in the end you can always make a profit from them – and you don’t necessarily need an experienced tax advisor for that!

Taxes in Germany: Income tax, property tax & more explained

Whether income tax, wage tax, real estate transfer tax or trade tax: there are many taxes in Germany. So it’s understandable that many people find it difficult to keep track of them all. Here we present the German tax forms and summarize them roughly. Which tax has to be paid under which circumstances – whether for individuals or companies – and much more you can find out here in a summary. We would like to give you an overview of the common taxes in Germany in the following linked article.

• Taxes Germany

Taxes USA: Buying property and paying taxes in America

What taxes do you pay when you buy a house in the US? In this article you will find a list of all the types of taxes you have to pay, how much they are, what they are used for and where you can learn even more about the subject. Everything you need to know about taxes related to buying a property, be it a house or a vacation home. We answer your questions here like: What are “transfer taxes”? How much is the property tax when buying a property? You can find out all this and more in the article linked below.

• Taxes USA

Inheritance tax on real estate: tax-free amount & market value

Anyone who inherits or wishes to inherit real estate should take a few things into account, as taxes are also levied on inheritances in Germany. The amount of the tax allowance depends on the degree of relationship to the testator. Relevant here is the tax class to which the heir belongs and the tax rate applicable to this tax class. Since 2009, it has been common practice for inherited real estate to have inheritance tax determined according to the market value.

• Inheritance tax real estate

Save taxes: Where do I start? – Examples

Classification, income, turnover, coaching: tax advantages and benefits as well as tips and tricks on the subject of “saving taxes” are essential for entrepreneurs, freelancers, pensioners & Co. in order not to lose track of the many laws and guidelines in tax law. Although everyone is familiar with the word “tax”, only a few people actually know what taxes are. What taxes are there? For what do we pay taxes and how much? To whom do we pay taxes? What tax tricks and tax saving tips are there? And very important: How does saving taxes work at all and which tax saving tools should I use? You can find out about this and much more below, quickly and easily.

• Tips & Tricks: Where do I start? Save taxes

Video Tips: Taxes explained by experts – tricks and more

Understanding taxes is not easy, especially with such a complicated tax system as in Germany. But once you have a grasp of it, you gain many advantages. We have compiled helpful expert videos for you, with which you can understand the world of taxes easier. Whether it’s tax returns, real estate taxes or basic tips and tricks: you’ll get help here, and in an understandable way!

Overview Tips & Tricks: Tax Videos

Tax basics: explanation, definition and settlements

Taxes are extensive and complex. But who understands the principle behind it, also understands more and more connections. In this article, we want to show you videos that teach you what taxes are exactly, what they are used for and what types of taxes there are in Germany. You can also find videos with helpful information on the topic of tax returns, as well as a definition of the differences between direct and indirect tax.

• Video Tips: Tax Basics

Tax return: how, when and where? – Deadlines and instructions

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. Here you will find everything important on the subject of tax returns to watch in the most popular and helpful videos. Whether you’re looking for instructions or tips and tricks on how to save even more, we’ve got a video to answer every question.

• Video Tips: Tax return

Taxes real estate: basic knowledge and where you can save

Real estate is basically a big financial issue. Buying, selling, renting, investing, etc. But what about taxes when it comes to real estate? Through tips and tricks you can save a lot of taxes, you just have to know how. In our video list you will find many videos in which experts explain to you what really matters and which mistakes you should avoid at all costs. With this help, you will soon be able to fully understand the topic of real estate taxes and save money!

• Video Tips: Taxes real estate

Taxes & Capital Gains: Capital gains tax and more

Capital gains: One or the other may have heard the term before. However, there may also be people who can not yet do so much with the term. What it is exactly and what it has to do with taxes, you will learn here. Capital gains tax, tax return, dividends and interest in relation to taxes are also adressed. You will also get tips for the tax return and for more net income.

• Video Tips: Taxes & Capital Gains

Tax tips & tricks: recommendations for families, employees & more

Almost everyone knows it, there comes a time in the year when it is called: The tax return is due. For many, this is still a vexing topic, but it doesn’t have to be! With the right tax return and the appropriate tips, you can often get a lot of money back. We have compiled the most important and exciting tips and tricks for you, so that you can also save money and look forward to the next tax assessment in the future!

• Video Tips: Tax Tips & Tricks

Book Tips: Recommendations and tax optimization

Everyone knows them and virtually no one likes to deal with them: taxes. But taxes don’t always have to be something negative. With tips and tricks, everyone can save taxes, be it when buying or selling a home or the usual annual tax return on all kinds of topics. We’ve rounded up the most interesting and informative topics for you. With book recommendations we try to bring you closer to the world of taxes and show you how you can save as much money as possible with as little effort as possible. Find out more here!

Overview Tips & Tricks: Tax Books

Tax basics: tax lexicon, basic knowledge and more

Taxes. Everyone has to pay them, but very few people have a complete overview. Tax advisors, who are well versed in the subject matter, are often expensive and not an option for everyone. In this article, we have therefore compiled book recommendations for you, in which experts discuss the basics around the topic of taxes. Among them you will find, for example, a tax encyclopedia or the basics of the real estate industry in the area of taxes. Find helpful tips and tricks for all your questions here!

• Book Tips: Tax Basics

Tax return: where, when and how? Learn how to do it!

The tax return is an unpleasant task for many people every year. But the world of taxes is not that complicated and inscrutable, especially not the tax return. Who, when, what and above all how and with whom you have to file a tax return, these questions will be answered in the following recommended books. We have compiled the most successful books by experts and professionals on the subject of tax returns, so that with this knowledge you no longer have to worry about your tax return in the future!

• Book Tips: Tax Return

Taxes real estate: buy or sell your own home

Taxes in the field of real estate and home ownership: For beginners, the tax world is already quite confusing, but to combine the whole thing with the real estate world is a whole new world. We want to make this entry easier for you with the best recommendations and tips from the pros. Our book tips will guide you through the whole world of real estate and taxes and offer help for learning the basics, guides for private investors and savings tips.

• Book Tips: Taxes real estate

Taxes & capital gains: Flat rate withholding tax and more

If you are interested in the topic of taxes in connection with capital gains and would like to read an informative and helpful book, then you have come to the right place. The higher the tax burden, the more important the topic of avoiding taxes becomes for you. Especially if your profit is growing and growing. The more profit, the higher the taxes: a vicious circle. But of course, there are also many options that the state provides you with. What’s important for you: Your tax advisor won’t tell you, that’s not his job. Tax avoidance is your job. Because you know your individual financial situation best of all.

• Book Tips: Taxes & Capital Gains

Tax tips & tricks: recommendations + how to save taxes

Every year it’s time to file your tax return. For many people, this has been an annoying topic for years, but it doesn’t have to be! With the appropriate know-how and tips, you can often get a lot of money back, and the tax return is easy to do. We have compiled the most important and exciting tips and tricks for you in the form of popular books by experts, so that you too can save money and look forward to the next tax assessment in the future!

• Book Tips: Tax Tips & Tricks

Tip! Wealth building XXL: Finance, Investment & Co.

Who wouldn’t like to build up their own assets? 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

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.

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.

Save taxes: Tips & tricks for tax optimization

With these tricks you can save an average of 1000€ in taxes every year! Learn everything about taxes here. When do you have to pay taxes, when and how do you have to file your tax return, which taxes do you have to pay at all, how do you pay taxes on your own home and, and, and… Here you can get helpful tips from experts that can save you money. It’s worth investing just an hour or two to acquire the necessary know-how – it will already pay off financially. The more knowledge you acquire, the greater your financial gain will be. Learn how to do it here!

Basics: tax return, calculate taxes & expert tricks

Taxes: income tax, income tax, value added tax and, and, and. Or also: doing a tax return, do you know how to do it? What are taxes and what are they used for? Here you will learn everything about taxes – from the basics to the different types of taxes and how to file a tax return. After this briefing you should have no more difficulties with your taxes and be able to solve all tasks without any problems. We present you the best books on taxes, including reader ratings, recommendations & experiences!

• Book Tips Basics Taxes

Tax return: forms, real estate & avoiding mistakes

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 give you direct tutorials with which nothing can go wrong with your first or next tax return.

• Tax return book recommendations

Tax tips & tax tricks: Save money on your tax return

Tax tips and tax tricks – Almost everyone knows it, it comes the time in the year there it is called: The tax return is due. For many, this is still a vexing topic, but it doesn’t have to be! With the right tax return and the appropriate tips, you can often get a lot of money back. We have compiled the most important and exciting tips and tricks for you, so that you can also save money and look forward to the next tax assessment in the future!

• Books tax tips and tax tricks

Real estate taxes: sale, donation and savings

Taxes in the field of real estate and home ownership: For beginners, the tax world is already quite confusing, but to combine the whole thing with the real estate world is a whole new world. We want to make this entry easier for you with the best recommendations and tips from the pros. Our book tips will guide you through the whole world of real estate and taxes and offer help for learning the basics, guides for private investors and savings tips.

• Taxes Real Estate Book Tips

Taxes & Capital Gains: Tax avoidance with expert tips

If you are interested in the topic of taxes and capital gains and would like to read a book, then just stay tuned. The higher your tax burden, the more important the topic of avoiding taxes becomes for you. Especially if your profits are growing and growing. The more profit, the higher the taxes: a vicious circle. But of course, there are also many options that the state makes available to you. What’s important for you: Your accountant won’t tell you, that’s not his job. Tax avoidance is your job. Because you know your individual financial situation best of all.

• Book tips taxes and capital gains

Finance & Capital Development: Saving and investing money

Before you can even pay taxes and therefore save money, you should be aware of your financial situation. What do I have, where do I have it and how do I best deal with it? Once you have acquired a certain amount of capital, you need to invest it as efficiently as possible. If the right strategy has been chosen, wealth accumulation will occur almost by itself in the best case scenario. How all these dynamics intertwine and how you can earn a lot of money with all this you will learn here!

Finances: Loans, ETFs and financial freedom

Finance is a very important topic in today’s society and basically every citizen comes in contact with it in one way or another. It is about property, reserves, investments, loans, ETFs, financial freedom and much more. It’s very important to always keep your finances in perspective and keep documents and important information bundled and organized at all times. Here we give you our book recommendations about finance, show you the best reviews and provide you with tips and know-how about finance.

• Book recommendation: Finances

Wealth accumulation: passive income, saving money and generating capital gains

Wealth building – You don’t want to slave away for your money? You want to make your money work for you and finally build a significant fortune? We’ve compiled the best book tips for you to learn how you too can boost your wealth accumulation. Everyone would like to make more money, but the big question is: What’s the smartest way to do it? Our experts have the answers for you and will help you build your own wealth. You can learn the most important tips and tricks here!

• Wealth building books

Investment: capital accumulation, strategy, tips & tricks

Successful investing and earning a lot of money with it is a dream of many. But unfortunately, it is not as easy as it seems. How can you get started in the investment industry as a beginner? What do you have to consider and which mistakes should you avoid at all costs? What is really worth investing in? How do I finally achieve my financial freedom? And what does the term “investment” actually mean? And what were ETFs again? We present you the best books on the subject of investment!

• Investment Book Tips

Financial provision: reserves, savings and options

Once you have saved money through taxes and the right handling of your finances, the question now is how best to invest and invest your money. It always makes the most sense to make provisions for old age, unfortunately too many people still forget that. Whether it is about old-age provision or pension, it is never too early to inform yourself comprehensively. Here you will find recommendations for books on the subject of financial provision for old age.

Retirement provision: insurance, declaration and provision for the self-employed

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.

• Retirement planning Book recommendations

Pension: How much is your pension, tips, tricks and calculation

Sooner or later, everyone has to deal with their pension. How the pension system works, when and where you can get the best information, which mistakes to avoid and what tips there are to increase the pension, we will give you here. We also give you insights into investment options and the Riester pension.

• Book tips on pensions

Tip! Taxes XXL – Taxes at a glance + explanation

Taxes are often a vexing topic, especially in Germany. Wage tax, value added tax, real estate transfer tax and much more: it is not easy to keep track of everything. But if you’re not interested in employing a tax consultant, who can be quite expensive, you need to get to grips with the subject of taxes. We want to help you with that! Here you will find an overview of guides as well as book and video tips on the subject of taxes. Whether we introduce you to individual types of German taxes or you watch a video on the subject of tax returns, all your questions about German taxes will be answered here.

• Book and Video Tips: Taxes XXL

Taxes & Investment Income

You can find books on this topic listed here. Here is another tip for you! Online you can find a lot of articles and tips on Lukinski.de. Here you can learn everything: from tax basics to asset building, from real estate as an investment through renting to saving taxes with real estate (external). Everything free of charge from the expert.

Tip! Overview Taxes XXL

Taxes are often a vexing topic, especially in Germany. Wage tax, value added tax, real estate transfer tax and much more: it is not easy to keep track of everything. But if you’re not interested in employing a tax consultant, who can be quite expensive, you need to get to grips with the subject of taxes. We want to help you with that! Here you will find an overview of guides as well as book and video tips on the subject of taxes. Whether we introduce you to individual types of German taxes or you watch a video on the subject of tax returns, all your questions about German taxes will be answered here.

• Book & Video Tips Overview: Taxes

Find a tax consultant: near you

Are you still looking for the right tax advisor in your area? Then take a look at our lists: We have compiled the best-rated tax consultants for you for almost every city in Germany, where you should always receive good advice. You can find more information about tax advisors in your area here.

100 tax tips

“How employees and pensioners can save” is the title of this book. On average, Germans receive 250 euros per year back from the employee tax assessment. But of course only if this is actually carried out. In many cases, an even higher refund would be possible for taxpayers. Many legal possibilities of tax reduction are not taken up at all. In this case, knowledge is money.

This book goes further than tax legislation. Because the authors also exploit the findings from 2,500 judgments annually to practical tips. This book not only provides valuable help with employee assessment and income tax returns, but also shows legal structuring scope for expenses and income. In 100 short articles all important topics are treated understandably. Profitable knowledge is guaranteed!

• Support with income tax returns and employee tax assessment
• Shaping income and expenditure
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Final withholding tax on capital gains

In particular, this book takes into account the changes introduced by the Investment Tax Act of 19.07.2016 (BGBl I 1730). Considered are individual questions on the settlement

tax and to issue tax certificates.

The descriptions of the legal situation are generally based on private investment income that accrues to a resident for tax purposes. Business income and non-residents for tax purposes are presented in sections C and D in separate chapters. For simplification purposes, church tax has been omitted from the calculation examples. Any lump-sum saver’s allowance

is considered exhausted.

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Understanding capital gains tax and final withholding tax

Taxation of investment income in private assets is the subject of Oliver Rhodius’ book.

The work answers all important questions on the taxation of investment income in private assets. It is characterised by its high practical relevance, many case studies and a question and answer catalogue for each chapter.

• How to tax capital gains
• Case studies
• Questions and answers on the respective topic of the book chapter
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Professional tips on the taxation of investment income

• Published: January 2016
• How to save taxes
• On Amazon: Pro tips for taxing investment income

Related links about the topic Taxes

Want to know more about taxes, stocks & finance? Then check out our other book and video recommendations that will give you more insights into the world of tax.

Taxes Basics

Doing your taxes: Do you know how? What are taxes and what are they used for? Here you can find out everything about taxes – from the basics to the different types of taxes and how to file a tax return.

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Real estate taxes

Taxes in the field of real estate and home ownership: For beginners, the tax world is already quite confusing, but to combine the whole thing with the real estate world is a whole new world. We want to make this entry easier for you with the best recommendations and tips from the pros. Our book tips will guide you through the whole world of real estate and taxes and offer help for learning the basics, guides for private investors and savings tips.

• Video Tips: Taxes real estate
• Book Recommendations: Real Estate Taxes

Tax tips & tax tricks

Tax tips and tax tricks – Almost everyone knows it, it comes the time in the year there it is called: The tax return is due. For many, this is still a vexing topic, but it doesn’t have to be! With the right tax return and the appropriate tips, you can often get a lot of money back. We have compiled the most important and exciting tips and tricks for you, so that you can also save money and look forward to the next tax assessment in the future!

• Video Tips: Tax Tips & Tax Tricks
• Book Recommendations: Tax Tips & Tax Tricks

Back to overview Taxes XXL: Tax return, tips & more

Here you can return to the overview of book and video recommendations on the subject of taxes in Germany. Tax forms, tax rates, tax returns and much more will be explained to you by experts and made understandable. In this XXL guide you will find information and articles on the most diverse questions on the subject of taxes.

• Book & Video Tips Overview: Taxes