DaBullIT:
Annual fees means end of the year payment in return on the loans or encouragement granted to anyone of the categories


You get the encouragement first and pay at the end of the year


But then this is Nigeria I may be wrong

aljharem:
THIS IS EXACTLY WHAT HAPPENED LAST YEAR.

*During campaign*

APC: Young man what are you eating?

Nigerian: Rice

APC: Rice and what?

Nigerian: Rice and one meat.

APC: What are you drinking?

Nigerian: Fanta.

APC: This is bad, you deserve rice and beans with at least 5 meats and your choice drink.

Nigerian: Is that so?

APC: Yes. Make our candidate your cook and we will see to that and more.

*Nigerian votes. APC wins, Day 1*

APC: Food is ready.

Nigerian: What do we have.

APC: Beans and pure water.

Nigerian: No meat?

APC: No meat, I met the kitchen virtually empty.

*Nigerian eats*

#Day 2.

Nigerian: No food today?

APC: Nope, your cook traveled.


#Day 3

APC: Food don ready:

Nigerian: What do we have today?

APC: Beans.

Nigerian: No pure water?

APC: The last cook looted your kitchen.

#Day 4

Nigerian: No food today?

APC: Nope, your cook traveled. He's gone to recover your looted meat, bread, sugar and other cooking items.

Nigerian: But at least there should be something to eat.

APC: He used the remaining to fund his journey and repair his plane.

#Day 5

APC: Food is ready.

Nigerian: What did you cook?

APC: Cook kee, the economy is bad and oil price is nose diving so manage this garri, kuli kuli and milk.

Nigerian: So we can't afford beans now?

APC: The last cook used fulani herdsmen to destroyed our ban and embarrass your new cook

Nigerian: No sugar?

APC: The last cook used all the sugar.

#Day 6

Nigerian: Wetin dey today.

APC: Garri dey... If you get money go use am buy kuli kuli and milk.

Eke40seven:

Unfortunately, my landlord dey charge me extra for keeping someone for a period of time.

Hi, guys wey don tey for Deutschland, I am having a bit of an ish with my landlord. Have anyone ever experienced a situation where one might need to pay extra cash to your landlord for housing someone for 2-4 weeks?
I want to be well advised before I make my move? Is this legal?
Whats your experience?
P.s. this may not be applicable to those in student hostels....
Advice needed..

fapper:

http://allafrica.com/stories/201602150117.html

news as at 5hrs ago

Nigeria: Forex Sales for School, Medical Fees Not Banned - CBN


The Central Bank of Nigeria (CBN) has debunked the reports, mostly by online media, that it had stopped the sale of dollars for foreign school fees.

The apex bank, however, explained that it would henceforth prioritise sales to sectors that are more productive in generating employment and adding value to the Nigerian economy.

Banks' managing directors had last Friday revealed that payment of foreign school fees alone gulped 15 per cent of the total foreign exchange supply, far more than the amount that goes to the importation of raw materials.

A source at the Central Bank told LEADERSHIP yesterday that some of the journalists who covered the Bankers' Committee Meeting last Friday had misconstrued what the banks' chiefs had said to mean a stoppage to the sale of foreign exchange for the payment of school fees.

He assured that the apex bank had no immediate intention of banning the sale of foreign exchange to those schooling abroad, but stressed that the top priority was to ensure that forex went to those that would add value to the local economy.

Frivolous demand for foreign exchange had depleted the naira's value to new lows.

The external reserves continued to decline, reaching almost a 12-year low as it crossed the $29 billion mark to a 30-day moving average of $28.931 billion as at Friday January 7, 2016. This brings the total decline of the reserves from the beginning of December 2015 to 3.17 per cent decline.

The reserves which was at $29.880 billion as at December 1, 2015 had dropped by 2.7 per cent within the month to $29.069 the last day of last year before a further shed of $138.668 million dollars between December 31, 2015 and January 7, 2016.

Having hovered around $30 billion since September last year, the reserves began a steady decline in December, coming down to $29 billion which it maintained throughout the month before it hit $28 on January 4, 2016 - the latest figure given by the CBN.

The external reserves had depreciated by 14.1 per cent last year, having fallen from $34.46 billion by December 31, 2014 to $29.069 billion by December 31, 2015, according to figures given by the CBN on its website, covering barely four months of imports.

A source within the CBN explained that the decline was due to the fact that the level of inflow accrued into the reserves was slower than the level of outflow during the 30-day period.

According to Olubunmi Asaolu of FBN Quest Research, the dropping level of the reserves may be a result of falling oil prices at the international market.

Chief executive of Cowry Assets, Johnson Chukwu, explained that the drop in the foreign reserve may not be unconnected with the negotiation of letters of credit established for the importation of PMS, which were funded from the N413billion allocated to the payment of petrol subsidy in the recently approved supplementary budget.

Chukwu noted that "if the reserve falls below a certain threshold, the country may not be able to meet its foreign currency obligations. This could trigger loss of confidence by the country's trade partners who may insist on cash collateral/cover before establishing letters of credit for Nigeria's importers."

nevilbot:
So I came back home from work on Friday night with a sore throat and I'm like this catarr wan start again cus dats wat I usually av since I arrived in dia cold country.

By Saturday morning I was running a temperature and shivering and by afternoon headache was already on d list. I was still enduring it until 9pm wen I couldn't take it anymore and had to call 112. Within minutes krakenwagen show and I av bin in the krakenhaus since den eating two slices of bread for frūstuck und abendessen.

The moral of this story is dat as Nigerians we really fall sick so we myt feel d need to cancel our insurance cus its monthly waste of money. I nearly cancelled mine last month too. But here I am already taken two drips with d 3rd one waiting, injections to my tummy, 5 vials of my blood already taken and an X-ray already done. I'm sure by d time I'm discharged and I get d bill, it won't b less than 2000€ . without insurance preferably public, where person wan tey pay that one.

So guys who are lucky enuf to still b on public insurance, abeg don't ever think of cancelling it oo. And as for those on private, if u are not on union who pays 100% I wish u luck

Rayhut:

The best is to travel to Benin or Gambia and do the transaction if to buy one euro in Nigeria enters the rate of 380-400, because i know that BDC will surely hike it

Nitrobenzene:
Pls som1 should help with d admission processes in d university of stuttgart

stevemims:
Forex Scarcity update: commercial banks in the country are raking in millions of dollars from a foreign exchange racketeering which has been fuelled by the acute shortage of hard currency in the economy, investigation by the saturday PUNCH has revealed. The continued acute scarcity,it was learnt, had been capitalised upon by the commercial banks who are now selling millions of dollars obtained from the CBN ont their clients' names at huge premiums above the #199 to §1 official rate approved by the central bank....... Source: Saturday PUNCH..... Mehn see as all these commercial banks dey scam them clients.... I believe this shouldn't affect student fees and anything related to transfering education funds... I am sure CBN carried out the investigation put a stop to all the evil activities perpetuated by our commercial banks as regards forex exchange.

BYACHEM:
Please House, For those that just received their DB block account no with the new DB form should assist me with the information on what to fill on tax question options. (1) I am resident for tax purposes in Germany only (2) I am resident for tax purposes in the following countries outside Germany.Country and tax ID? PlPlease help me with the question Becos alots of people complain dat their form were rejected . Please someone shld help out

isidollarboy:
Mein oga's in the Haus...cindino20, williamso, nevibot & other senior oga, somebody (my cousin) wants to know if it's possible for someone in Germany to open a Nigeria bank account while in Germany maybe let's say through embassy or other means. Is this possible?

Thanks

kilo4sure:

Wow that's Cool, can I go to the state where I currently reside or must it come from my state of origin, again what if you are a student and not working? Abeg nor mind my questions, I be novice for this matter. Thanks.

dennisMOD:
This is the message I received yet again from this stupid bank called DB after spending so much to resend the new form. I'm completely clueless on what to fill in the tax-related field now. I left the field empty while I resent this second time.

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
Country of tax residence
Tax ID number or personal identification number

A statement to the points "U.S. citizenship" and "country of birth USA", your home address format "street with house no., postal/zip code city, optionally additional address lines (e.g. c/o), country" 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.

Iamwilliam:
Good morning peeps, can anyone please enlighten me on how to go about closing my already funded Deutsche bank account and transferring the money back here to Nigeria or anywhere else.

I was unable to meet up with enrolment deadline and thus lost out on the admission last year and would like to get my funds back as I urgently need it.
Your input will be highly appreciated.

Thanks.

BYACHEM:


Please will like to make some enquiries or better still clarification. On the DB block account form

1. PAGE 3.... Address supplement c/o

2. what will I write for disposition sum ?

3. Also for no 10,11,12 will I write the date and town/city? Kindly clarify. Thank you

nevilbot:


u only pay church tax if u tell them u are a christian wen u went to get ur tax class. i told them i am a Jehovah's witness and i dont belong to any of their nominal churches so y will my money be taken to fund wat i dont belive in. so they put me under no religion class and i dont get to pay to fund dia churches

sonyville:

cindino how far naa? Nice update !

nevilbot:


The total German tax is actually 15.7% and not up to all d figures u put up. This 15.7% include d summation of ur health insurance called Kv -Beitrag abt 8% , ur pension contribution called PV-Beitrag and ur tax called RV Beitrag. I was in Aok office today to discuss abt my health insurance and all these was explained to me in details. D good thing is once u start working full time, u don't pay d bulk of ur monthly health insurance premium alone again as ur employer pays 9%, u pay 8% and d govt pays d rest . I went dia with d mind of cancelling my contract cus of d high 171€ monthly fee but was told no need cus a company I started working for in January registered me not as a student but as a full time worker meaning all I need to pay is 8% of wateva I earn even if na 50€…

See as belle sweet me today

Thegiva:
Please does anybody know how to go about ''prepaid courier envelope by any major courier service '' on the checklist

Any useful information will be very appreciated right about now.

Thanks.

kilo4sure:

What do you think of the use of passport number.

Obiwannn:

Azzin ehn..everyone I ask said I keep their mails under my bed and not open it again. Saying it doesnt matter. Thank God for this information. This Germany ehn, if u no dey careful, dem go gather plan ur selling price, send the bill to u and them go sell u make u pay.. This place ehn, don dey get as e b..All this hidden hidden loopholes...Abeg if u get any other scary info like this make una dey drop am biko..because everything is in german..and I receive mails too many in german i dont bother opening..whether dem wan come arrest me sef, I no no...
I go gather tell my flat mates. We have received the mail 5 times now. and its a shared flat. No one is paying for it yet. How do we go about it?

dolpaz:


Cindino, what about people who are over 30 years....
Are they not qualified to take up public insurance?

Your enlightenment on this matter will be much appreciated !

Obiwannn:

I no no where u get ur info from, but baba it is always spot on! Every thing u said is very very true!!!
I have a question though. I wont be above 30 till some few years time, but I would still be below 30 when I graduate. How much does the public insurance cost then after graduation?

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??

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.

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

acedboss:
My Boss Cindino! I hail you the Oga at the top of the whole NRW/Bremen connects! Omo no be only u dey see gist oh. me Just Pam for one corner dey use one eye look book, use d other dey read ogbonge chronicles of naija students in deutschland. No be small thing!

uchezdedon:
Done with My Exams. Is there anyone here living in NRW and know any vacancy for Job. Abeg hala me... No time lols

Fele1:
Coughs.. O yes I resurfaced. Have been trying to catch up with the pages and here I am again. But now with few questions.

I. I have my transcript collected by hand but my HOD said it can't be addressed To whom It may Concern So it was addressed to Department of Environmental Studies NOUN . my question is is this how an going to leave the address on it and just certify or I have to scan the transcript page only? Meanwhile its the address page that bears the signature of the provost.

2. The name of my school was changed from what i have on my result, both ND n HND making the name on the transcript nd the result to be different. Although the effect was stated on the trabscript. Just wanna ask house if theres something i must do before using this document for application

3. Certifying my Docs. I will be using a rotary public. Now I want to ask do I need to demand and seek a rotary public with "Red Seal" only?

4. Im going for Bachelor I have my background in HND in Environmental Health. Someone from Uni Bremen gave me a link to some courses. Bachelor in Public Health, Biology, Psychology n Computer science or so. But unfortunately I just cant access the link for admission on there and like the bro already got busy with exams now. All the mailing address there ain't helping as all my message sent ain't delivered.
Please like I'm seeing boss Cindino20 is from there. Just wanna ask if we have any of the bosses from Uni Bremen who might have a the straight link.
Moreover the aforementioned bro was painting a picture that these programs are taught in German but it comes with the first year German language and the other 3following years for the courses """"And its not studentkolleg" Please anyone who has relevant info should please shed light for more enlightenment.

Pardon my long epistle. Just wanna kill many birds with one stone

Thanks in advance

erunz:
Nigerians went on twitter to react on the interview granted by Channels television to Martin Onovo.



https://www.youtube.com/watch?v=mhiV4GYMWgw&feature=youtu.be


https://www.youtube.com/watch?v=pSPGntVpRwE&feature=youtu.be

Rorschach619:

Yh I guess yu might be right
What did yu do during ur own time
Or yu werent asked to fill the tax