Private retirement provision, occupational disability insurance (BDI), savings rate

For that, the salaries are correspondingly higher. So everything is relative. And certain things cost the same all over Germany, whether I earn 3000 net or 1500 gross.[/D

This argument is simply not true, or at least not so general. Large industrial companies in rural areas do not pay significantly less either in the collectively agreed or non-collective agreed sector. Often, the opposite is even the case: if the location of the company is unattractive, monetary incentives have to be created to recruit qualified workers. And for me as a state official, it doesn’t matter at all. I earn the same amount everywhere. Finally, one more question: Do you believe that as an engineer at Daimler or BMW you earn three times as much as at VW?

This argument is simply not true, or at least not so general.

You can't say that so generally, I agree with you on that. Here in Dresden, the salaries in the city are definitely higher than in the more distant surrounding areas or in the Ore Mountains, but the rents are also somewhat higher. Often, one car is also unnecessary, whereas in the countryside/small town you rely on 2 cars.

Large industrial companies in rural regions do not pay significantly less either in the collectively agreed or in the non-tariff sector.

However, the majority of the population is not employed in large industrial companies or corporations but in the middle class, and different salaries are paid there than in corporations.

Finally, a question: Do you believe that an engineer at Daimler or BMW earns three times as much as at VW?

Do you believe you have three times higher monthly costs than others? That might apply to rent or costs for land, but there is much more than that. Additional rental costs, gasoline, vehicle taxes, insurance, comparable clothing, comparable food, purchase of vehicles/white/brown goods – that is, all daily necessities cost about the same for you as in the remotest corner of Meck-Pomm. The major price differences are probably mainly in the service sector.

I do not complain that less is paid here, because we deliberately moved to the Dresden region and not to the old federal states and we also want to consciously work for the middle class and not in a corporation. On the other hand, I find it presumptuous to complain about the costs if you want to work in Stuttgart or Munich and simply ignore the positive facts.

Hello d’Artagnan :D

I mainly liked your post because of the last sentence. I always really appreciate it when users bring a bit of realism into the forum ;)

Do you think you have 3 times higher monthly costs than others? That might apply to rent or land costs, but there is much more to it.
Additional rent costs, gasoline, vehicle taxes, insurance, comparable clothes, comparable food, purchase of vehicles/white/brown goods, so all daily necessities cost about the same for you as in the remotest corner of Meck-Pomm. The major price differences are probably mainly in the service sector.

Here I think you are mistaken. The costs in BW are certainly not 3 times as high, but it is noticeably more expensive – even comparable clothes (vehicle tax will probably be similar); just fitting to the economy and income.

In that respect – relatively speaking – it’s again the same as in Mc Pom and elsewhere :D

Rhenish greetings

even comparable clothes

That may apply to small boutiques and small shops. However, the large clothing chains have uniform price tags for the whole of Europe. And even the supermarkets and discount stores across Germany have uniform prices.
I just think that the purchasing behavior is slightly different, so life is more expensive.

The cool thing about a construction financing is that it is so comprehensive and practically always runs like a red thread through all your finances.

The whole topic becomes interesting if you use BU and other retirement provision products to better manage your financing. In the fusion of all these products, there can be enormous benefits.

What if, thank God, nothing happens to you and the money paid into your BU would be available at a certain point as a special repayment for your house?

Here in Dresden, salaries in the city are definitely higher than in the more distant surrounding area or in the Erzgebirge,



The majority of the population is employed not in large industrial companies or corporations but in the middle class, and there different salaries are paid than in corporations.



Do you think you have three times higher monthly costs than others? That may apply to rent or costs for land, but there is much more than that.
Additional rental costs, gasoline, vehicle taxes, insurance, comparable clothing, comparable food, purchase of vehicles/white/brown goods – all daily necessities cost about as much with you as in the remotest corner of Meck-Pomm. The major price differences are probably mainly in the service sector.

I do not complain that less is paid here because we have consciously moved to the Dresden region and not to the old federal states, and we also consciously want to work in the middle class and not in a corporation. Conversely, I also find it presumptuous to complain about costs if you want to work in Stuttgart or Munich and simply ignore the positive facts.

Much of what you write is correct.

You generally cannot say that so generally, I agree with you.

Here in Dresden, salaries in the city are definitely higher than in the more distant surroundings or in the Erzgebirge; however, rents are also a little higher. Often one car is also omitted, while in the countryside/small town you depend on two cars.

The majority of the population is employed not in large industrial companies or corporations but in the middle class, and different salaries are paid there than in corporations.

Do you think you have three times higher monthly costs than others? That may apply to rent or costs for land, but there is much more than that.
Additional rental costs, gasoline, vehicle taxes, insurance, comparable clothing, comparable food, purchase of vehicles/white/brown goods – all daily necessities cost about as much with you as in the remotest corner of Meck-Pomm. The major price differences are probably mainly in the service sector.

I do not complain that less is paid here because we have consciously moved to the Dresden region and not to the old federal states, and we also consciously want to work in the middle class and not in a corporation. Conversely, I also find it presumptuous to complain about costs if you want to work in Stuttgart or Munich and simply ignore the positive facts.

The cool thing about a construction financing is that it is so all-encompassing and it practically runs like a red thread through your entire finances.

The whole topic only becomes interesting if you use BU and other retirement products to better manage your financing. There can be enormous benefit in combining all these products.

What if, thank God, nothing happens to you and the money paid into your BU is available at a certain point as a special repayment for your house?

That would be great! ;)