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January 7, 2026

Denkmalschutz: The Beautiful Trap That Eats Your Inheritance

Why your historic German property is worth less than you think, and the bureaucratic nightmare of selling a listed building

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The German Income Threshold: When Your Salary Actually Buys Peace of Mind

Germany

January 7, 2026

The German Income Threshold: When Your Salary Actually Buys Peace of Mind

A data-informed exploration of the precise income levels where Germans experience tangible financial relief, based on real discussions and official statistics.

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Why Do So Few Germans Invest? Breaking Down the Barriers

Germany

January 7, 2026

Why Do So Few Germans Invest? Breaking Down the Barriers

An exploration of the cultural, educational, and psychological factors preventing widespread investment participation in Germany, despite the proven long-term benefits of stock and ETF investing.

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The 2026 Restaurant VAT Cut and the Trinkgeld Backlash: Should You Stop Tipping to Force Price Drops?

Germany

January 7, 2026

The 2026 Restaurant VAT Cut and the Trinkgeld Backlash: Should You Stop Tipping to Force Price Drops?

Germany’s hospitality VAT drops from 19% to 7% in 2026, but restaurants admit they won’t pass savings to customers. Now consumers are threatening to kill Trinkgeld culture to fight back.

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Should Swiss Investors Still Prefer Domestic Portfolios? The Raiffeisen Debate

Switzerland

January 6, 2026

Should Swiss Investors Still Prefer Domestic Portfolios? The Raiffeisen Debate

A 60-year-old investor’s Raiffeisen portfolio sparks a heated debate about Switzerland’s stubborn home bias, hidden fees, and whether local banks serve clients or themselves.

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Switzerland

January 6, 2026

Switzerland’s 2025 Market Surge: Why Your ‘VT and Chill’ Strategy Just Got Swiss-Clocked

Swiss equities shocked global markets by ranking 4th worldwide in 2025, challenging the gospel of US-centric diversification. The catch? Most of those gains have a distinctly Swiss aroma, currency effects that make the numbers look very different from Zurich than from New York.

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Germany

January 6, 2026

The Damocles Sword of Income Loss: Why Germany’s Highest Earners Can’t Sleep at Night

Six-figure salaries and substantial savings don’t protect Germany’s tech elite from paralyzing job loss anxiety. Here’s why the anxiety is rational, and what to do about it.

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Germany

January 6, 2026

Why Normalverdiener Stay Silent: The Invisible Majority in Germany’s Online Finance Discussions

An exploration of why Germany’s everyday workers, nurses, retail staff, caregivers, rarely share their financial reality online, creating a dangerous bubble of financial advice that ignores the majority.

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Early Inheritance to Avoid Nursing Care Costs: The 100k EUR Income Trap

Germany

January 6, 2026

Early Inheritance to Avoid Nursing Care Costs: The 100k EUR Income Trap

The controversial practice of transferring parental assets early to avoid nursing care costs creates unexpected ethical and financial dilemmas, especially for higher-earning children who face potential decades of liability.

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Germany

January 6, 2026

The Cash vs. Digital Payment War: Is Germany Losing Its Bargeld Culture?

Analysis of the conflict between consumer rights groups demanding cash availability and industry resistance, particularly in gastronomy, against mandatory digital payment options, reflecting broader societal divides over financial inclusion and modernization.

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Austria

January 6, 2026

Post AG Dividend Stock: Safe Haven or Austrian Value Trap?

A deep dive into Post AG’s 5.9% dividend yield and stagnant capital appreciation. Is this Austrian blue-chip a reliable income generator or a classic value trap for investors?

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Germany

January 5, 2026

Germany’s Housing Crisis: Why the EU’s Economic Engine Can’t Build Homes

Germany built just 251,900 apartments in 2024, its worst housing output in a decade. While rents soar and families squeeze into shrinking apartments, the construction industry is paralyzed by municipal sabotage, bureaucratic madness, and a political system that rewards inertia. Here’s why the Bauwesen is broken.

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