Financings ETW Student + Engineer

Ah right. Warranty obviously plays an immense role. But only over a relatively short period. Are all ancillary costs included in the service charges for the condominium owner? I mean the ancillary costs that I currently also pay as a tenant? Then I find 224 euros including reserves for 84 sqm sensationally cheap. What would your tenant pay then? He wouldn’t have to pay the reserve nor some non-allocable costs. 120 euros? I think I pay too much in my rental apartment.

So a tenant would definitely not pay additional costs that I do not pay. It is rather the other way around. I would have to check what portion of the non-allocable costs amounts to. But a bit less than 100 EUR, depending on how much heating and hot water he consumes.

It is also a bit too little reserve for maintenance, for the fourth year after completion. The property management has already recommended that we increase it.

On the other hand, there were a few special assessments that I withheld. For legal costs against the developer, due to defects in the common property, which have still not been corrected or compensated. It is apparently going into evidence preservation proceedings.

With the whole allocability of the additional costs, I will have to take a look anyway, since I will rent out the [ETW] as soon as I move into the house.

The best time was during university but we missed that. But when is the best time? Ref 1.5 years + 5 years until civil servant appointment. Then

Well, the probationary civil servant appointment + permanent position after the Ref is the important goal, the lifetime civil servant status after (max?) 5 years then secondary. You don't lose the status because of parental leave and don't have to reapply.

the lifetime civil servant status after (max?) 5 years

Unfortunately, the answer to the "max?" must be no. There is no right to civil servant status, and in part it is massively ridiculous with what tricks the employer (the state) circumvents its own laws regarding chain contracts/fixed-term contracts. For example, my husband is now receiving his 4th annual contract in a row. Civil servant status has been promised to him several times by the school authority but then always nothing in the end. At least they are "gracious" enough to allow the new contracts to each overlap with the old ones in such a way that the summer holidays are covered. This is by no means always the case. Especially in the first 1-2 years after teacher training, many teachers are unemployed during the summer holidays but then do not receive certain benefits or only with difficulty because they have not worked for a full year in a row.
All critical points that should simply be considered with regard to wanting children.
That does not have to stop anyone, but it should be taken into account.

Which federal state? In NRW continuous employment since at least 01.02. of a year until the start of the holidays is enough to have the right to continued payment. Not a whole year or a follow-up contract.

You just have to apply for it; the authorities won't do anything on their own.

Which federal state? In NRW, continuous employment since at least 01.02. of a year until the start of the holidays is enough to have the right to continued payment. Not a whole year or a follow-up contract. You just have to apply for it, the authorities won’t do anything on their own

Hesse. I don’t know if anything has changed since then, but a few years ago my husband didn’t get paid during the summer holidays, but was simply unemployed, and that precisely during the holidays when our daughter was born and I was actually supposed to be insured with him under health insurance… it was all back and forth and running around with the health insurance company etc. so that it was even clear how and where I would be insured at the time of the birth.