Kimmy
- Those of you applying for German citizenship now are you going to end up with dual citizenship as in pre Brexit or are you being asked to relinquish Brit citizenship?
Duel citizenship is available for now, though I think not for everyone - certainly if you are British married to a German (or a child with a British and a German parent) it seems standard.
- Those of you who teach, are you freelance and how many hours do you have to work for it to make sense if have to pay your own health insurance? Do you all pay 19% into the pension system? (What will you get back for that?)
I teach through VHS which is a bit different as you are neither free lance nor employed, you get a Dozent Pauschal plus quite generous travel expenses. Regardless of income from any other job, mini or otherwise, this is totally tax and deduction free up to a fairly low annual limit (€2400 maybe, roughly - applies to the Pauschal without travel expenses). I used to work out how many courses and lessons per course to offer make sure I stayed just under the limit but now we just put my earnings from VHS onto our tax return.
When I only did VHS teaching I was insured with DH, but I now have a midi job, which is a part time job over the mini job threshold basically (non teaching). My health insurance is paid through that, as are my pension contributions, unemployment insurance etc - and my employer pays to of course. One of my reasons for wanting an "employed" job rather than trying to build up the teaching as freelance was the pension etc. contributions.
Being self employed is quite a faff as I understand it - I have heard you can be publicly insured as a creative professional, which is certainly a better bet than private health insurance for many people especially if you aim to stay long term/ permanently, but still once you have paid health insurance and pension contributions and liability insurance and tax out of your freelance income you'd have to be charging quite a high hurly rate and working quite a lot of hours to be better off than in a minimum wage job!
- Are any of you minijobbers and if so, do you have a Riesterrente?
Have had a mini job teaching in an Eltern Initiative school in the past - didn't have a Riesterrente and had never heard of it! The Eltern Initiative took the pee to be honest and seemed to think everyone should he so very enthusiastic about their concept and so madly in love with the kids that they would effectively work for less than minimum wage (they were willing to pay €450 initially for 1 day 8-2, but kept stretching the hours, eventually asking for what amounted to 3 days for the same money - plus endless parents evenings and weekend and evening events unpaid of course - they did the same to everyone but school teaching doesn't work well as a mini job because you are expected to be so committed IMO)
- Are any of you paying voluntarily nat insurance into the UK pension scheme?
No - with the pound falling against the Euro that wouldn't seem a great plan unless you were only here a year or two.
Good luck