A doctor told me this: Transfer is through close physical contact. Risk higher for people that have anal sex. It's possible to transfer without sexual contact (injured skin), but sex is the most common.
It doesn't affect daily life much unless you live in the south or one of the big cities.
Netherlands has higher taxes than Germany, there's also wealth tax and soon some others. But foreigners can deduct their taxes by 30% the first 5 years (the 30% ruling)
