Think your money is safe in a German bank? Think again. 🚨

The recent wave of bank robberies in Gelsenkirchen, Halle, and Cologne proves one terrifying truth: The "Safe German Bank" is an illusion.

100 Million Euro vanished. And the robbers used a professional tunnel and chemical acid to destroy DNA.But this is just the beginning. 😱

In this video, we uncover the financial nightmare facing the victims right now. We explain why your deposit box is NOT insured like your bank account and why filing a police report could surprisingly trigger a tax investigation against YOU.

If you have a deposit box in Germany, you need to watch this.

-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum

Is your financial reputation in Germany a total mystery? 🤔

That is about to change. For nearly a century, the SCHUFA algorithm has been a "Black Box," judging your ability to get an apartment or a loan based on over 250 secret variables. But starting in March 2026, the "Next Generation Scoring" system is moving into the light.

In this video, we decode the leaked internal formula that will control your life in Germany. We move away from the confusing 0-100% Basisscore and dive into the new point system ranging from 100 to 999. Most importantly, we reveal the 12 core criteria that now determine your score — and how you can optimize them.

What you will learn in this video:

✅ The 12 Criteria: We break down the 12 pillars of the new algorithm, from the age of your oldest account to your "Wohnstabilität".

✅ The 100-Day Rule: How to get negative entries deleted in half the time (18 months instead of 3 years) if you act quickly.

✅ Debt Management: Why having a mortgage is actually a "Power Signal" for your score.

✅ The "Data Cockpit": How to use the new free digital account to see exactly what the banks see.Don't let a "ghost in the machine" decide your future. Watch to learn how to master the new formula before it goes live.-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum

In 2026, the German government is giving you a massive tax cut, but your bank is about to take money out of your account. Why? And how do you stop it? 🤔

In this video, we simulate 3 different investment strategies for the average German expat ("Max Mustermann") to see which one actually builds wealth in 2026. We test the "Lazy ETF" route, the "Tax-Free Crypto" loophole, and the "Leveraged Real Estate" strategy.

The investing "Wild West" in Germany is officially over with the new DAC8 law. If you want to keep your 2026 tax cut and avoid the Vorabpauschale trap, you need to watch this.

🔍 WHAT YOU WILL LEARN:

✅ The 2026 Tax Trap: Why your broker will deduct money from your account in January 2026 due to the Vorabpauschale.

✅ The ETF Strategy: How to use the Freistellungsauftrag (Exemption Order) to save taxes on your ETFs.

✅ The Crypto Loophole: How Bitcoin and Gold can be 100% tax-free after 1 year—and why the new DAC8 Directive means you can no longer hide your crypto investments from the Finanzamt.

✅ Real Estate Leverage: How to use "good debt" to lower your income tax and turn taxes into equity.

-----PerFinEx GmbH - Personal Finance for ExpatsThe #1 English-speaking & Independent Financial Planner in GermanyFurther legal information is available at perfinex.de/impressum