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

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?

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.

lakesidepapa:


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

lol...
its much better nw

ohakskid:

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

every course is stressful. No be Germany again? Prepare for the worst

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

tchai!!!! Naija..how country wan take good? Fapper I go call u make u gimme details. country don already spoil so make we kuku spoil am finish for dem 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!

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.

kilo4sure:

But from that guy post, e be like say nor be jollof rice and chicken e dey chop o, abi you nor read him post? He seems to be regretting his stay in Germany from what I gather, that's why I gave him that advice as my two cowries.

Lol..I no fit regret oh baba..Even if I no see office work, work, I go either clean pipo piss and pack pipo shit than to go back to Naija go dey find work wey no dey exist anywhere, and even if u see the advert, work wey you no go fit get if u no know somebody wey know somebody wey know another somebody.
I no say e no fit happen sha..thats y I gats just study hard, combine book plus hustle plus language any which way wey I fit do am..cos the end will surely be greater than the beginning.
And again, that employment-racism ish.. I believe e dey small sha, cos I experienced something similar although not related to a job interview, but something very similar..So again if you're good at what you do, and just sha believe in God(very important), you go survive.

Cindino20:



U can work immediately after u get ur resident permit.....u nor need wait 6mths or do on campus job u dey complain.

Dem gv some of una subsidized accommodation for Studentenwohnheim una dey still complain


Dem gv una free train tickets...some of a whole state ..just pay small money ..do u know hw much for monthly tickets....or ask ur frnd for london hw much dem dey spend for transportation.


Sch hard...yes we know...make e easy before...if e easy why e come be sch...

Baba go and build ur con3. Wefin una want sef?.....na wa o if naija do half of us we nor go scatter like isrealites across the world...

Make una chill and drink booze o

Fear nor go let me complain cos d con3 don try for ma body.....dem gv me free sch..even dey pay me stipend sef every mth ......i go come complain i be witch then.

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

ohakskid:

@eke40seven, please can you please enlighten urs on life after studies, I think dats where most of us are Really interested in. Like you said they are jobs, Do you mean student jobs or graduate jobs.

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.

ezekuse:
lol at the waking @ 4:00am to go to work in germany when people already do that in Lagos daily without a single complain. What was the op expecting? Germany to roll out the red carpet for him when he arrived. It is tough everywhere and there are Nigerians doing well financially just as some are equally struggling in the US, UK, Canada, Australia, Germany etc including Nigeria. I do agree with the op on the need to manage expectations but I think tips on getting and balancing work, school as well as achieving good grades would have been much more appreciated to further help applicants make informed decisions.

The answer to this has been posted here several times; LANGUAGE! If you sabi language u go fit work for office. If you sabi operate Computer and software (programming like my oga Dolpaz) you you go see work plenty and u no go need to dey go cleen people piss or pack people shit or carry load upandan. But if you no sabi language, hw u go take write the code? Na language be the difference between Germany and other "easy" countries afterall. Plus book here hard. I never been to Canada nor UK, so no no if book simple there or not, but book simple for US... So in the end, na Language be the koko..and no free money for here. You gats work for every single penny! In the end, what I tell myself is; Its no longer if you survive Nigeria, you can survive anywhere.. Now it's if you survive Germany, you can survive anywhere in the world.
(PS: Everyone has their own definiton of suurvival. Some dont value good grades, others do). It refines your life, makes you a better person, makes you a hard worker!!! I know it might be surely boring and difficult as hell now, but I am very confident that there's a God, who sees the hardwork and dedication of man... Not necessarily whether you believe in Him or not, but the simple recognition that He exists plays a major role as the Grace to succeed will just come out of nowhere.

kilo4sure:

But seriously why not do your best to relocate to canada or at least apply for jobs in Naija,. You do not have to settle down in Germany, I believe with your German certificate you would be given preferential treatment for jobs in Naija (depending on your field though). My brother even in the canada you dream of, you would find people complaining there as well, and of course you know schooling in canada is more expensive no matter how difficult or expensive it is in Germany. In summary I agree with you that canada may be better but I believe your studying in Germany has also paved the way for you at least it has opened doors for more opportunities irrespective of the present circumstances.

Apply ni, apply ko? Who go chop jofflof rice and chicken come go back go dey drink garri?
The advise you should give id get the degree, which in itself is very difficult , then relocate.
Something more than a few people do.

Futurewiser:
My stay in Germany here for 3 yrs was a hit back to back. pls if u want my german visa, come and collect it. Stop listening to those guys telling you Germany is easy cos i have met 3 guys here complaining those in nairaland deceived them that Germany was easy and job full cos they were seeing something different here. First of all the language na die
The reason most people dont come back is that they have spent so much and have to endure their decisions in frustration cos coming back empty handed na the worst so them don price so them must buy. Na that situation unua want? Pls think of better countries like Canada. Na the free sch fees deceive me come here but how many people dey even graduate here sef wey be say their education tough die and if u fail one curse 3 times dem do drive u commot from sch. How u want take even cope for study when u never pay bills and no job or when u even get job if at all u got and u come back late so tired after doing heavy rejected jobs here how do u think u cab read again that day. who no go no know. Many Nigerians are depressed here and frustrated. God bear me witness am speaking the truth but nothing but the truth.

He who has ear, let him hear what the spirit is saying.

Only thinking about the bolded dey make me fear. I never start to work oh..Iwan start to hustle next semester..but again..I am very very scared..Make I no go fail...I have already experienced such first hand. I have an Indian classmate, very very intelligent dude. He started missing classes and took up a job as a hotel manager, and in the end failed an exam we all had together. One which he should have aced if he studied hard enough..
The thought of combining work with study plus the very very difficult edu system (imagine me living life like say I dey Undergraduate..reading sleeping..reading.. sleeping..; monotonous boring life; again I come hear say dem go tax u 35% if u earn more than 450euros even as a student-very very mean society) makes me want to regret coming here in the first place. But again what can I do? I no fit get mind complain, cos I have been given the rare privilege many on the streets of Lagos don't have, and I believe Insha Allah when the time to join book with work comes (which is even more important than the book itself, else u'd be kicked out of d country), God go make way wey boys go take run am without failure... If people have done it in the past, then I can do it.

So my aspiring people, its not as rosy here oh..It would have been better if you don't have to think about making money to survive but only worry about reading the book which you came here to read in the first place. And if you have the funds, I'd advise you pursue Canada or US instead... But again, if you are a Nigerian like I am, I believe we would survive even the harshest of conditions...Just be like me folks and don't lose hope.

Mhen..it has really been a while.
Now I understand what our Ogas used to pass through, reading through the long thread and answering questions.
And when they dont answer my reply then, I begin dey para...E no easy atall..Seeing is believing.

Eke, you still come around which is very good, you dey try well well...
Keep up the good work.
I wish everyone good success in their endeavours...
Make una come plenty in numbers make we fit get nairaland community for here... Cos this place is boring as hell!

ALLES GUTE!

DMeanMan:
Lionel Messi have over the past decade proved himself. To some he is the BEST, to some he is just good, to many he is a god, to me he is the best thing to happen to sport.

There is a whole lot to learn from this legend, and the applications of this lessons extends way beyond football and sport.

Find below 5 worthy queues Job Seekers should take from Lionel Messi.

1. Be Fast

As a job seeker you compete, physically, mentally and otherwise. Not with yourself, but with several other hopefuls. Saying you fight to land a Job in Nigeria is putting it mildly, wrestle is the word to use. You are competing with over a million people.

Speed is vital when you need to score a goal. It is more vital when you have to score a job.

Be the first to know, be the first to apply. BE FAST!

2. Be calculative

Okay, I believe that it’s been established that football isn’t the most psychologically demanding sport. It however comes with its own challenges. Calculation is a vital part of the game. How to hit the ball, how not to. When to run, when to fall, when to shout, when to dive.

Football is a game and so is Looking for a Job, you want to play it well. You have to!

As a job seeker, you have to be calculative enough to know when to apply. When not to. How to apply, how not to. You have to perceive what the recruiter wants, you have to know what to include in the CV and what to remove.

You have to know what the interviewer wants to hear, you have to know what to wear and what not to.

BE CALCULATIVE!

3. Get in the right team

Messi is today by statistics the best player ever to play the game. 5 Balon D’or awards is far from a joke. He didn’t achieve this by himself. He got help from each and every one of his team member. I like to think Barcelona have done more for Messi than Messi has for Barca.

The people you move with determine how far you get in life. It is common sense.

So like Messi, be sure you are in the right team. If you are, well done. If you are not, I’m sorry to be the bearer of bad news.


4. Strive to keep getting better

Let me take you a little back to 2005, the year Messi came into lime-light. That year at the FIFA World U-20 competition, he was voted the Best player at the World U-20 cup.

He went ahead to be named the world Best young player that year. He was in the following year named the Word’s third best player. After which he went ahead to nick the FIFA best player of the Year award a record four (4) times in a row.

Messi didn’t get better one time. He continued year in year out to try surpass what he did in the previous.

That you are a Job seeker is enough prove you are not yet there. You can get there. You have to.

You only have to take every avenue to becoming better more serious, and yes you can and should create those avenue more often.
STRIVE TO GET BETTER!

5. Don’t take a bad game too serious.

Disappointments are like bad games, as a player you can’t do without them. They always come.

Allowing them get you worried is worse than cancer.

A bad interview, a layoff, a bad Job Test score, bad CGPA… etc. are all forms of disappointments. Don’t take them too serious. When you do, you start doubting if you are good enough. You start doubting if you will ever get a Job, you start hurting your self-esteem, you start hurting your confidence. You start wearing out. You start growing older.

As a Job seeker, you need to learn to laugh at your mistakes, learn from them, and forget they ever happened.

DON’T TAKE A BAD GAME TOO SERIOUS!


Remember, applying for a job is more of an art. You have to learn it, know it, and master it.

By Yinusa Taiwo
https://taiwolusol./2016/01/30/job-seekers-take-a-queue-from-lionel-messi/

I might not be a jobsseeker buy that your last line was awesome! applis to me now as well

CaroLyner:
first of all at 21 you dont know about condom
and aftermath pills? am not upto 21 but i know
all these things.anyway the deed has been
done.do not get an abortion.Dont let anyone
force or coerce you to get one. You are your
child’s mother, and no one – not your boyfriend– can make you get an abortion. Let your “no!”
mean “no!” – no matter what anyone else tells
you. Your baby is a new, unique person who
deserves a chance at life. Period. If you ever
need to be reminded why you don’t want an
abortion, read real stories from real women who have had abortions. Their experiences will
remind you why you don’t want to do this, and
will help keep you strong in difficult moments

how did you know all these things?

WaffenSS:


I just randomly fuccked 2 of your girls last night. All it cost me was a meal and a condom.

I dare you to ask any of our hijab wearing girls out.

You'd be lucky if she doesnt spit on your heretic arse.

see this terrorist... U go dey fkuck upandan and you dey compare your self to me? Gerrarahia Mhen.. Shii

WaffenSS:


...and that's the difference between us and you people.

You dont see our girls in italy or brazil, or humiliating themselves half naked in Nollywood or music videos. You dont see our girls as baby mamas. Or in baby factories. You dont find our girls in brothels or by the road side.

See? Our morals and yours...a world apart.

#DecentDressing

We don't see doesn't mean it doesn't happen. Na una girls spoil pass sef

plaetton:


Compulsive labelling is not an argument.

Petty in what sense.
Kindly repudiate the issues I have raised here.
It is certainly not enough to say I am being petty.

I am apolitical. I owe no allegiance to PDP, nor am I appealing tosentiments.

I actually supported the election of Buhari , voted for and urged friends and family to do same.

But I have been watching the so-called war on corruption, and it seems more of a public relations gimmick than an enduring effort.

The issue here, the meme being sold to the public is that PDP used public funds to finance election campaigns, right?
Fine. Prosecute everyone who used public funds to finance elections. Those found guilty should go to jail. Period.

But, but, it should also include all APC governors who diverted public funds to fund APC ascension to power.

Get my drift?

You cannot have a lopsided war on corruption. That itself, is part of the corruption.

awesome last line

gebby:
. BotOk can u please give me your contact.

send a pm.
Or ask the question here someone will answer

iceberylin:
Finally...Nl might pay off

Lool.. Who says Nairaland doesn't pay off? It's just that really serious news doesn't make fp. There's another very full scholarship post on the education thread. You have to dig deep to find it. I'd help you look for it if I have the time.

kevin11:
estimately like how much we it take for both visa and ticket to travel to germany frm nigeriaestimately like how much we it take for both visa and ticket to travel to germany frm nigeria

I dey sell visa?
I dey sell Plane ticket?

yusufftaiwo:

I sight U chairman Obi... ow ur syd na?

Baba I dey oh..
How your end?
How the x-mas and new year be that side?
Please give me a different news oh...lol..

Hampy:
Brotherly.....How your Christmas for that way?

e be like say u want make I type the same thing twice..lol..okay make I re-type am.
B

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G

hollywater:
Nonsense who is he deceiving?

himself

sexybaby22:


But hee tried atleast. how many other celebs do that for their fans.
oya forward me $5,000 dollars if na chicken change to you.

Modified:

the guy just dey do shakara jare. but he is a nice guy altogether.

That your dp sha..
One million is actually not so much money considering the exchange rate now... That's some people's one month salary... Make God sha bless boys.

MrKnowitall:


Please don't insult me by calling that a challenge. One millia is nothing!

make u post pictures of the transaction when you finish o...

Yanks101:
And yet you can't produce toothpick.
This is how you africans downgrade chinese products while china silently became an economic and military powerhouse in just 30 years.

Sharrap dia!

Afam4eva:
I've always maintained that Nigerians have to be the most illiterate people in the world and it rings more true foe people who are supposedly educated. A look at the vibrant and harcore Pro Biafrans and the opposisinf Pro Nigeria, you will discover the penchant by these people to mistake both terms. For the sake of those illiterate, let me explain the difference between these two people and how they intertwine.

Igbo is an ethnic group based in West Africa, chiefly in southeastern Nigeria (Wikipedia). This means that even though Igbos are mainly in the South East, there also Igbos outside the South-East in Northern parts of Delta state, some parts of Rivers state and the Ndoki areas of Akwa Ibom state.

Biafra, officially the Republic of Biafra, is often referred to as a secessionist state in then southeastern Nigeria that declared its independence from 30 May 1967 to 15 January 1970, taking its name from the Bight of Biafra (the Atlantic bay to its south).

Furthermore, the secessionist state which was declared by the defacto leader, Chukwuemeka Odumegwu Ojukwu included people of the old eastern region (Igbos, Efiks, Ijaws etc) by virtue of the fact that these groups found themselves in that region and he happened to be the governor. That is why the Igbos across the Niger in places like Asaba and the likes were not part of the secessionist state because they were in the Mid west region.

So, as it stands today, Biafra which may come in different pseudonym is a movement of people who are mostly Igbos but not supported by majority of Igbo people and as such should not be classified as an Igbo movement but can be classified as a group of Igbo people. It is wrong and silly to assume that every Igbo person supports Biafra or use the term interchangeably with Igbo.

https://en.wikipedia.org/wiki/Igbo_people

https://en.wikipedia.org/wiki/Biafra

Smh.. See as you dey quote Wikipedia.. You no no say na people like you write Wikipedia?

Mtchew

4lashyme:
hello my people,
compliment of the season to everyone here.
I want to apply for msc in Germany I have CGPA of 2.84 from my, bsc. I read somewhere on this forum that the, minimum entry score is 2.88? with this, what is my chance of getting admission?

thank you.

Truth? Very low but not impossible.

Joysmart:
Good morning my Great people
Merry Christmas to you all

I'm kinda wondering what Christmas is like in Germany
Is it fun?
Like how do they spend the day and the period generally?
Is it better than in Nigeria or will it make someone home sick?

I'll appreciate our Ogas experiences both previous and current

And is there any special treat for students?

Just Curious

B
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mikky4all:
Good day mein Damen und herren (ladies and gentlemen) I sincerely appreciate the effort of all those that have contributed to the success of this thread. I have read and gained a lot. Thanks for that. My question goes thus. I am a recent university graduate from the department of soil science and land management (B.AGRIC) from a top ranked university in Nigeria. I graduated with a very high CGPA ( above 4.6/ 5.0) I am interested in studying an engineering course in Germany perhaps civil or mechanical (undergraduate).English taught. Although I have A2 international exam Zertifikat from Goethe Can any one suggest a way That can help me with my plight. Will appreciate a constructive response plssss. Haben sie eine schöne Tag.

I think u can get Enviromental ENG MSc with ur 1st degree, plus with the high CGPA u can possibly get a DAAD scholarship. Just take ur time nd research properly.

Modified: Why do you want to study Civil Engineering?
In my opinion Civil Engineering thrives in a country that is still developing, and I believe the Germans are already developed and I dont mean to be rude but "Wetin dem wan build again"?
You want to re-course your Career, please do something that would give you a job easily in the end. And I don't think that will be civil engineering. My advice: IT, Mechanical Engineering, Electrical Engineering and Mechatronics in no specifically defined order. Oh, I forgot the good'ol Chemical engineering "the Father of Engineering", and yes the Biggest 2 Chemical Companies in the world used to be German-owned.
PS: There's a reason why IT is emboldened.

misspicy:
Lol,when guys keep saying "I am single"

i just smile and ask them,"what of the girl you are fvcking"


Guys say they are single,girls say they are in a relationship,i keep wondering who are dating the girls,animals? .....lmao

I'm single

veraiyke:
Now that is a video someone uploaded that we don't know how true it is. Let the army come out and clear the ground as to what really happened. Even when that is done the sect members and the public has the right to question and even protest their claims and act. What the army has just done is to use their uniform to want to intimidate civilians. They can't force what they have claimed to be fact to be accepted by all. And yes there are territories you would enter and it will require the understanding of the sect leader and the army for them to enter, go out or remain on the spot. That they are officers does not give them any right to step in anywhere, anytime and do their wish. There must be a check or else we will be leading an anarchic government. I hope you understand my view

Another Senseless post!