kilo4sure:

Hey bro watz up, sorry I lost all my contacts o, just sent you a PM now, we are still waiting for those who have heard successfully from Deutsch bank to tell us what they did the 2nd time to have it successful. It would end in praise.

Obiwannn:

Abeg, that stipend I dey interested oh..lol..How you take dey run am
Plus I see as u dey share website for job upandan..
Anyway I dey free small now, I go call you soon make we relate..
I believe you have plenty of info for me lol

Cindino20:


Lols Bossman ..u na Boss now just call me when u free .I go try write abt stipends here and how to go about am.

For Jobs na local connect win am (connect with Nigerians in ur city).

Your comments abt taxes is nt that correct the margin is 800...then once its above 800 you can be taxed using ur tax bracket (1 to 6) thats when they may deduct 35% (total contribution) but if the job is holiday job u get a waiver.

At the end of the yr students normally get their taxes back..so nor fear!

Una well done!

promise2:
cONGRATS my person. God has done it, more good news on the way.

LordSlytherin:


Bro did the person get the admission into TU Berlin ?

fapper:
What i wanna say now is anoda means i de use chop 4 germany even as i de do xam wey i de job 1nce a while and i will like to share dis with ma e family here in germany.

It goes thus;

gather all ur capacity can carry from ur block acct send am through azimo to 9ja cos presently d rate is abt 295 or so dat u wil sell ur euro 2 9ja and it will b delivered into d 9ja in no tym... u will b tynkin wat nxt
This is d nxt step, fynd person wey u trust 4 9ja 2 go any bank and obtain FORM A 4 u, send d person d normal docs u take carry d money enter wen u de cum and tell d person 2 go with hin international passport.. u all wil b surprised wen i said i don send over 4k go owse lolz dis means boosted ma cash daku and make e no b like say na only me go de enjoy am..i de use union bank carry d money enter at d rate of 230 den sell am go 9ja with AZIMO at d rate of 293..pls trust d person u go send d money to in 9ja oooo lolz..ma lovely sister dey do d stuff 4 m plain and i gat no issue dis wik i de xpect sum euros at d rate of 230 too from union banks cos ma sis acct has bin debited , dis is d 3rd transaction i wil do and believe m start with better capital ur income go rise die....i no cum count bridge 4 germany cos all way na way 4 me ooo... thanks 2 cahnellvan wu introduced dis AZIMO 4 m doe i told him abt dis dat i would do it i no knw if e go styl remember bt dis is jst 2 sharp una 2 dis means..i hope dis help dose in bad cities findin it difficult 2 gt jobs

luv u all

fapper:
What i wanna say now is anoda means i de use chop 4 germany even as i de do xam wey i de job 1nce a while and i will like to share dis with ma e family here in germany.

It goes thus;

gather all ur capacity can carry from ur block acct send am through azimo to 9ja cos presently d rate is abt 295 or so dat u wil sell ur euro 2 9ja and it will b delivered into d 9ja in no tym... u will b tynkin wat nxt
This is d nxt step, fynd person wey u trust 4 9ja 2 go any bank and obtain FORM A 4 u, send d person d normal docs u take carry d money enter wen u de cum and tell d person 2 go with hin international passport.. u all wil b surprised wen i said i don send over 4k go owse lolz dis means boosted ma cash daku and make e no b like say na only me go de enjoy am..i de use union bank carry d money enter at d rate of 230 den sell am go 9ja with AZIMO at d rate of 293..pls trust d person u go send d money to in 9ja oooo lolz..ma lovely sister dey do d stuff 4 m plain and i gat no issue n dis wik i de xpect sum euros at d rate of 230 too from union banks cos ma sis acct has bin debited , dis is d 3rd transaction i wil do and believe m start with better capital ur income go rise die....i no cum count bridge 4 germany cos all way na way 4 me ooo... thanks 2 cahnellvan wu introduced dis AZIMO 2 m doe i told him abt dis dat i would do it i no knw if e go styl remember bt dis is jst 2 sharp una 2 dis means..i hope dis help dose in bad cities findin it difficult 2 gt jobs

luv u all

dolpaz:


Nice one Fapper. But euros rate is not constant on Azimo. You may be surprised to see the same euros being sold for 245 the next day. Also, does your sister provide the same admission letter at the bank for the same transaction or you "Dagbo" admission letter..

Just asking cos the transaction officer may ask questions or better still, do you sort your way out at the bank.

Lastly, your blocked account can't withdraw more that 670€ a month. After withdrawin, how do you pay bills, feeding, and all..

Good job bro !

Obiwannn:

Now I can rest easy lol. I been dey para before oh..shuoo..I been dey reason am say how person go suffer hustle government go jus come chop 35percent komot..just like that..After all the suffer..abi dem think say person na Dasuki?
Anyway as u don talk am now say dem go gimme back..Make I chill lol..
Probably on Saturday..I go call u..
I just browsed through some student job sites just now, and the findings were not encouraging at all..na so so German German German plus Excel this Excel that...anyways it is well. Na to stick to ur local content advise now..even though most times that local content connect na mostly cleaning e dey give person, and it wont be a bad idea to get a job that tasks your brain and not your might... Anyways I go call u soon..very very soon Boss.

fapper:



1stly i no de pay rent nd

2ndly i used d 3months 670 plus 1k which was part of ma salary 2 start

3rdly na same admission letter, na even kleve admission i de use ..which is not d skul i am now lolz

4thly do it in union bank dem no care at all weda u do am b4 or not bt dont do it frequently mayb 1nce in 2 wiks.. startd dis early january nd i tested it b4 i cum out 2 brushin ma pple abt it..

lastly u kip watchin azimo bt sins i don wan start dis stuff wey i de study azimo d rate no de drop much e even de increase fast n i guess its because of naira devaluation doe it falls on azimo and d lowest i don c we e don fall na 287 and even sins den till now wey i jst check na 294 de dere

Galads:
#clears throat, interesting and tempting.... e be like say this style na him be next try until i finish exams then come start disturb you with calls. Hope say na lyca you day use? i just day see how u day hail Berlin. I day send you Pm sharp sharp

Obiwannn:

I hear job dey for after school...but again two things are involved. I guess you already know the first, and no its not grades. Then talk about the course, then the grade; I hear at least a 2.0 for company jobs; then again something very vital EXPERIENCE!!! I hear its neck and neck with language in the hierarchy of employment requirements.
Job dey after school, Baba..but you first have to survive the school first.

lakesidepapa:


Una too much bra, u just dey spray ur mind out. Hope the weather is treating u guys very well

ohakskid:

Bro, wat can u say about IT courses, are dey too very streetful

fapper:
What i wanna say now is anoda means i de use chop 4 germany even as i de do xam wey i de job 1nce a while and i will like to share dis with ma e family here in germany.
It goes thus;
gather all ur capacity can carry from ur block acct send am through azimo to 9ja cos presently d rate is abt 295 or so dat u wil sell ur euro 2 9ja and it will b delivered into d 9ja in no tym... u will b tynkin wat nxt
This is d nxt step, fynd person wey u trust 4 9ja 2 go any bank and obtain FORM A 4 u, send d person d normal docs u take carry d money enter wen u de cum and tell d person 2 go with hin international passport.. u all wil b surprised wen i said i don send over 4k go owse lolz dis means boosted ma cash daku and make e no b like say na only me go de enjoy am..i de use union bank carry d money enter at d rate of 230 den sell am go 9ja with AZIMO at d rate of 293..pls trust d person u go send d money to in 9ja oooo lolz..ma lovely sister dey do d stuff 4 m plain and i gat no issue n dis wik i de xpect sum euros at d rate of 230 too from union banks cos ma sis acct has bin debited , dis is d 3rd transaction i wil do and believe m start with better capital ur income go rise die....i no cum count bridge 4 germany cos all way na way 4 me ooo... thanks 2 cahnellvan wu introduced dis AZIMO 2 m doe i told him abt dis dat i would do it i no knw if e go styl remember bt dis is jst 2 sharp una 2 dis means..i hope dis help dose in bad cities findin it difficult 2 gt jobs
luv u all

iyke20024:


Hey..

Just go to their website

and read all the procedure.. I think computer science dont require GRE.. but check

However, If you meet the requirement they will accept you

Thats it..

Problem with bachelor is the language

Obiwannn:
Please people in Germany, I want to ask a very urgent question. What's the merit/demerit of Private/Public insurance? I need someone who has used both to give me good answers based on facts and not based on hear say. I want to leave public for private. The money is too much. 80 euros a month is 8 hours job, where the money go come from? I also hear people who start with public change to private because in the end they find it very difficult to pay after they have exhausted their blocked account. So what then is the need of dashing the public insurance company money in the first place if you still end up changing?

I haven't been to the hospital my 5 months spent here now, but I intend doing so at least to enjoy the benefits of money I paid before I make the switch. Because in the end na God dey protect person, no be manpower. So please and please, what would I stand to lose by leaving the public health insurance for a private one in order to save 50 euros monthly, and which private health insurance would you recommend?

cc Nevilbot, Dmaejay, Jejet, Futurewise11, Futurewiser, Cindino, Daimlerbenz, and every other experienced person I have forgotten to mention.

Cindino20:
Another thing new students shld watch out for is the Rundfundbeitrag( Tv licence)....The legality of this is nt up for question ...it has been ruled on by courts of competent jurisdiction.

According to the rule every adult in Germany is expected to contribute abt 17 euros a mth for this... the only exemption if ur income is low or u get Bafög.

So for those of u who reisde in a WG...Its actually easy.....if one person us paying in your flat ...you dont need to pay ..all you need to do is when u recieve the first letter just ask the person to write a reply for you and include you on their bill (same thing applies to those livin in private housing).

But if you reisde alone in an apartment...you ce to pay abt 54 euros every 3 mths...please do not allow this money to accumulate......I made same mistake and now ve abt 300 euros to pay ....


If you plan to reside here after studies dont allow this money to accumulate....you will ve to pay it someday.

I will nt advise anyone to gv them their account details of direct debit...just pay and use ur beitrag number fas reference.

All the best.

speedygeek:

Dear nairalanders

Got an email from Db bank again


Dear Sirs,

thank you for sending us your account opening documents.

We regret your account cannot be opened because the documents are not completly filled. You have made implausible statements to tax residency.
Your foreign registred address does not match with a German tax residency.

Please send us the documents again completely and plausible filled and signed in all spaces with the description "Signature of account holder" and "Acknowledgement of receipt by the depositor".

A confirmation from the German Embassy is not necessary.

All information can be found at
https://www.deutsche-bank.de/pfb/content/privatkunden/konto_international-students-en.html

Please send the complete account opening form in original by postal or courier service to our address.

If we do not receive the documents within the next 2 months, we will consider your request as finished.


Mit freundlichem Gruss / Kind regards

Deutsche Bank Privat- und Geschaeftskunden AG
Auslaendische Studenten



i chose the 'I am resident for tax purposes in Germany only' option. It is now obvious that that is the wrong answer. The problem now is if i choose the 'I am resident for tax purposes in the following countries outside Germany' option,choose Nigeria as the country...what do i write as the tax ID number??

kilo4sure:

I dunno but would our passport no be okay? Just thinking out loud.

takeastep:
Sent you a pm. Kindly reply.

quote author=fapper post=42478698]

fapper:

Sent again. If you still don't see it, any other way we can connect?


i no see any pm bro

speedygeek:

Dear nairalanders

Got an email from Db bank again


Dear Sirs,

thank you for sending us your account opening documents.

We regret your account cannot be opened because the documents are not completly filled. You have made implausible statements to tax residency.
Your foreign registred address does not match with a German tax residency.

Please send us the documents again completely and plausible filled and signed in all spaces with the description "Signature of account holder" and "Acknowledgement of receipt by the depositor".

A confirmation from the German Embassy is not necessary.

All information can be found at
https://www.deutsche-bank.de/pfb/content/privatkunden/konto_international-students-en.html

Please send the complete account opening form in original by postal or courier service to our address.

If we do not receive the documents within the next 2 months, we will consider your request as finished.


Mit freundlichem Gruss / Kind regards

Deutsche Bank Privat- und Geschaeftskunden AG
Auslaendische Studenten



i chose the 'I am resident for tax purposes in Germany only' option. It is now obvious that that is the wrong answer. The problem now is if i choose the 'I am resident for tax purposes in the following countries outside Germany' option,choose Nigeria as the country...what do i write as the tax ID number??

Cindino20:

Call FIRS...seems u can obtain tax number....

speedygeek:


The first time i sent to them there was some information that i missed , like i did not tick (US Citizienchip no) so they send me an email and that was the first time ,, the second time i filled all the information including I am resident for tax purposes in the following countries outside Germany and i wrote libya and they sent me
"Dear Sirs, 
thank you for sending us your account opening documents. 
We regret your account cannot be opened because the documents are not completly filled. You have made no information to 
U.S. citizenship country of birth USA Country of tax residence .

A statement to the points "U.S. citizenship" and "country of birth USA" and "tax residence" is mandatory. 

Please send us the documents again completely filled and signed in all spaces with the description "Signature of account holder" and "Acknowledgement of receipt by the depositor".  A confirmation from the German Embassy is not necessary. "

Like i told you before that i am sure that your answer is the right one , because before they add this part about the tax it is something known that you will have a resident in germany but because they opened another branches outside germany so they have to make sure about it,, so if you applied or you want to apply for german student visa you have to tick on german only .

... now i sent an email and i left the tax information empty that will reach to them after 9 days from now ,,, and i will send another mail after 7 days from now and i will tick on german only ,, so once the resend me about the first mail they will recive my second one,, because of the time ..

Like i said it takes 6 days after they recived the mail. please if you recived email from them , resend me , and i would be gratefull for that .

thanks for your info Abdullah777.
Please what exactly was written in the mail u received from the bank?

Regards

Cindino20:


For me private insurance is a bad idea....just get use to the idea of contribution...I ve been contributing for 18mths and barely visit the hospital....Dont fall for the private insurance trap.

Using govt health insurance u pay abt 80 euros a mth...if u re using private it starts with abt 35 or so and increase with time....Nothin is certain in life...u never can tell u may fall sick and need urgent medical care.....most private health insurance dont cover u fully.you dont want to start worryin abt when you can visit the hospital.

So let me paint u a scenario....you switch to private and save 40 euros a mth in a yr thats 480 euros in 2 yrs 960 euros ....we hope nothin goes wrong...but if along the line something goes wrong...u will need medical care (nothin is certain) ur private health insurance is nt a full cover u may ve to pay some of the bills...baba the bills nor nice.......thats if u ve the money at the moment...if u re broke...it becomes a debt.

My frnd in NRW use to tell me a story of a young chap who left Aok only for him to sustain an injury when playin football 3mths later .......he needed urgent surgery....surgery was done....his insurance was nt full cover...he got a bill of abt 4k euros....Till date my frnd tells me he is still tryin to pay that money.

So many pple ve ugly experiences with private insurance.....I ve heard of a case where the private insurance told the person that any surgery or major treament done within 3mths of joinin6 them will nt be paid by them.even if u re above 30 (then u pay 160 euros for govt insurance...its still a bad idea to go private)

As Nigerians the whole idea of a contributory system is still new to some of us....but to be honest its d best for u now...mind u 80 euros is a discount price for students.

Dont try to save money at the expense of ur own health

.

Some company will nt employ u with private insurance....eg.Amazon Rheinberg.


In summary private health insurance is penny wise pounds foolish.

All the best.

Disclaimer....I m nt an agent of Aok or Tk...but this is the reality on ground