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MY GERMAN CAREER

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‘Put in the effort to know what your firm wants’

In this week's My German Career, Tommi Raivisto, the vice president of a Nokia business, describes the advantages of being with one company for years and what he likes about working in Berlin.

'Put in the effort to know what your firm wants'
Finn Tommi Raivisto has been in Berlin since August.

1) Where are you located and what do you do?

I’m a Finn who just moved to Berlin with my family after five years in Massachusetts, US. I work for HERE which is a Nokia business creating maps and location services for consumers, automotive and enterprises. I’m heading a team responsible for Map Services.

2) What brought you to Germany and how long have you been here?

We moved to Berlin in August, the primary motivation being the job opportunity. I’m really excited about new location services for all kinds of mobile devices and our HERE team in Berlin is amazing. Moving from the US was an opportunity to get a bit closer to our friends and families in Finland. The move was made easier by the fact I've been travelling to Berlin a lot and had the chance to bring my wife here for a weekend beforehand.

3) How did you land your job and do you have tips for anyone seeking similar work?

I started as a software engineer trainee in Nokia in 1995. HERE is a Nokia-owned business, so I consider myself lucky to have had a long, rewarding career within a single company. I've had many types of jobs in several countries over the years.

My tip for anyone pursuing a particular company or job is to put in the effort to get to know it well. In the end, it’s about who can best help the company with what it is hiring for. Knowing the context helps you to position yourself well and also shows you’re motivated and proactive.

4) Is it important for you to be able to speak German in your position?

Not really. Our working language is English, we operate globally and actually have tens of different nationalities in the office in Berlin. I need German skills more outside my work. I’m determined to expand my German further from basic level, restaurant vocabulary. The learning curve looks steep but I've studied Swedish at school and hope that will help at least a bit.

5) What are the best and worst parts about working in Germany?

I appreciate certain directness people have, even though it sometimes may appear negative. Work ethics are strong and after some time in the US I recognize stronger cultural similarities between Germany and Finland than I thought earlier. I also like that there are more holidays and that people actually use them.

As a city, I really like Berlin, it has certain edge and it’s somehow both beautiful and ugly at the same time. I feel we’re still getting to know each other though. If I have to identify one thing that bugs me it’s all the construction work in particular in Mitte. Even taxis don’t seem to know what road is closed today.

6) Do you plan on staying?

We went to the US for a year and ended up staying five years. I’ve learned not to try to plan that particular aspect of life too hard. Our long-term plan is to return to Finland but I’m not looking forward to moving again anytime soon. The opportunity to work in different countries is a real privilege but the process of leaving, moving and getting life on track again is not something I can put my family through too often.

Would like to feature in My German Career? Email [email protected]

READ MORE: How should expats invest in Germany?

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WORKING IN GERMANY

7 tips for how to survive as a freelancer in Germany

Taking the decision to go it alone and freelance in Germany can be a daunting prospect. But, if you do it right, it can be an exciting and liberating path. Here are some of our top tips on how to survive.

7 tips for how to survive as a freelancer in Germany

1. Get a tax advisor

The German tax system is complicated, even for Germans. All the associated paperwork uses the Amtsprache (authority language) which is more like legalese than ‘normal’ German, and mistakes when filling out tax forms can cause you, at best, a massive headache and, at worst, a costly fine. So it’s best that you employ someone who knows what they’re doing to help you out.

That person is called a Steuerberater (tax advisor) in Germany. They will help you register with the tax office, correspond with them and submit your tax declarations.

Be aware that, in Germany, different deadlines apply for tax returns depending on whether you employ an official tax advisor or not. If you are doing the tax return on your own, the deadline for submitting your annual tax return is earlier than if you use a tax advisor’s services. 

READ ALSO: What NOT to do when you’re freelancing in Germany

When looking for a tax advisor, a top tip is to use your network to get recommendations. Ideally, you want someone who will do more than just fill in the forms for you, but who will actually advise you on how best to manage your business finances so that you can make tax savings.

2. Keep your accounting in order

The better you keep your own accounts in order, the easier it will be for your tax advisor to compile your tax declarations and therefore the cheaper their services will be.

As a freelancer, there are a lot of costs you can deduct from your taxes – from train tickets, working materials, to meals out – so it’s best to keep hold of all your receipts and to keep them in good order.

2 euros and 50 cents lie on a receipt in a beer garden. Photo: picture alliance/dpa | Peter Kneffel

In Germany, you’re obliged to keep hold of receipts for two years, in case of a tax inspection, so it’s a good idea to photocopy the type of machine-printed receipts you get from restaurants so that they stay legible for a long time.

There are also a few things to be aware of when writing your own invoices. Firstly, make sure that you include your tax number. This isn’t the 11-digit Steueridentifikationsnummer that everyone gets when registering in Germany, but the 10-digit Steuernummer you get from the Finanzamt after registering yourself as a freelancer. 

Most companies won’t pay you if you don’t have this on your invoices so make sure you include it.

You should also make sure that you number your invoices properly – ideally in ascending order so that you can easily keep track of them. You are not allowed to issue two invoices with the same number and if you do so and the finance office notices, you could face an inspection of your whole accounting system.

There are numerous great accounting software programmes you can use to help you, such as Lexoffice and Sevdesk and, even if you have to pay for them, the costs will be tax deductible!

3. Find out if you’re eligible for financial support

In Germany, there are several opportunities for freelancers to gain financial support and to cut their outgoings, and its worth finding out if you’re eligible for them.

If you’re claiming unemployment benefits under ALG 1 and are thinking about becoming a freelancer, the employment office offers a special type of financial support to help you to get your freelance business off the ground.

Called the Grundungszuschuss (“foundation grant”) the payment is a six-month grant equalling your monthly entitlement under ALG 1 plus €300 towards your insurance costs can be applied for those in receipt of this unemployment benefit.

READ ALSO: Will freelancers benefit from Germany’s €300 energy allowance?

If you are engaged in some form of artistic profession in Germany – which can include journalism to pottery – you may be entitled to membership to the Kunstlersozialkasse (artists’ social insurance).

Being a member of the KSK means you only have to pay half of your health insurance and pension contributions, and the KSK will pay the rest.

4. Work out how much you think you will earn

As with starting any business, you need to have some idea of your expected earnings from the outset.

If you’re just starting out as a freelancer, or have some freelance gigs on the side of an employment position, then it might be worth considering registering yourself as a Kleinunternehmer (“small business”).

As a Kleinunternehmer, you can currently earn up to €22.000 per year without having to charge VAT and having to submit only yearly tax declarations. 

An income tax declaration form lies on a table. Photo: picture alliance/dpa/dpa-Zentralbild | Hans-Jürgen Wiedl

Be aware that if you are registered as this kind of freelancer, you must include the following sentence in your invoices: ‘Gemäß § 19 UStG wird keine Umsatzsteuer berechnet’ which means ‘In accordance with Paragrah19 of the German VAT law, no VAT has been added to this invoice.’

READ ALSO: Everything you need to know about your German tax return in 2022

If you think you will earn more than €22.000 per year, you will need to pay Umsatzsteuer (VAT) and will have to submit tax declarations in advance and more often. Depending on how much you earn, this could be every month or every quarter. 

5. Get your insurance in order

In Germany, it’s a legal requirement to have health insurance.

If you’ve just made the move from employment to being a freelancer and want to keep the same health insurer, you should get in contact with your health insurance provider straight away to tell them about your change of circumstances. They will ask you to re-register and to tell them your projected freelance earnings for the year, so they can amend your monthly fees.

If you don’t keep your health insurer provider updated, you could continue to be charged the higher rate that you had from your previous salary.

The insurance cards of the health insurance companies DAK, AOK, Barmer and Techniker-Krankenkasse TK lie with euro notes under a stethoscope. Photo: picture alliance / dpa | Daniel Karmann

It’s not just health insurance you need to think about as a freelancer. It’s also wise to think about protecting yourself from any sort of claims that could arise as a result of any working mishaps. 

If, for example, you lose your laptop which contains confidential client information, you need to be protected against claims.

That’s why it’s good to have both Betriebshaftversicherung (business liability insurance) and Rechtschutzversicherung (legal protection insurance).

6. Plan your time wisely

All of these bureaucratic obligations take time. So it’s really important that you take account of that when planning your time. For example, planning half a day a week to deal with your invoices, filing, emails to clients, and conversations with authorities can be really beneficial when scheduling your working time. 

7. Grow your network

As a freelancer, networking is absolutely crucial to success. 

Keep an up-to-date profile on websites like LinkedIn and German equivalent XING and keep in contact with anyone you’ve ever worked with, no matter how brief the contact was. 

Having a network is not only about getting more clients, but also about building a support network in your field to exchange advice, tips and generally for your own enrichment. 

Participating in workshops related to your field, going to seminars, and meet-ups, can be great ways of broadening your network. 

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