Consumers

Many people use interest, dividends or profit from selling securities as additional income. In tax terms, this income is investment income (Kapitalerträge). To ensure that taxes are not owed on returns from the very first euro earned, people living in Germany have access to a savings lump sum (Sparerpauschbetrag). However, your bank will only apply this tax-free lump sum to your returns if you have submitted a declaration for exemption (Freistellungsauftrag).

Cybercriminals manipulate search results to deceive internet users. This activity is known as SEO poisoning (Search Engine Optimisation Poisoning) and is fast becoming a serious threat to internet security.

Discovering several countries at once, experiencing other cultures, yet still sleeping in the same bed every night – that’s what makes cruises so popular. With targeted finance tips you can keep an eye on your spending and avoid unwanted additional cost.