razorsandroses

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About razorsandroses

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  • Location Berlin
  • Nationality American
  • Hometown New York City
  • Gender Male
  • Interests Fuck you, and get off my profile!

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  1. They take your Schufa score, and they average out your monthly income deposits (that should NOT be ALG!). They weigh that against common expenses such as average monthly rent in your area and such, and determine the probability of you being able to pay the loan back without backing yourself into a corner.
  2. Taking a wild guess here, it could be that your credit rating is acceptable, but the amount of the loan you are requesting is too high when the debt vs income ratio is calculated in the decision. Having existing credit cards (especially ones with high credit limits) will also pose somewhat of an issue. But rather than cause you any distress by telling you "Sorry, your application has been denied", they would prefer for you to come in and discuss some alternative options in obtaining a loan.
  3. The war for apartments in Berlin

    Which I am going to give serious thought, thank you very much
  4. Do you like living in Germany?

    Student visas are difficult to come by, as you will need to have €10.000 set aside in a bank to live on AND be accepted to a university--competition amongst new entrants is cut throat, and you'll need to have some impressive credentials to be considered. Language school visas--possible? Yes. Easy to acquire? Don't waste your time.   Work visa--it needs to be a skilled labor job that no average unskilled German with no credentials can easily be hired to do. By this, I mean dentist, computer programmer, carpenter, electrician, etc. AND you need to have the job already lined up with your employer agreeing to hire you.   As far as language skills go, you will find that German speakers do in fact tend to take higher priority over non German speakers.    Now...if you don't value your psychological well being, another option would be to marry your German girlfriend. You'll automatically receive a permit allowing you to do any sort of work. After she's driven you up the wall enough and caused you more grey hairs than your grandfather, you can divorce her after 3 years and keep the permit indefinitely.   Good luck!
  5. The war for apartments in Berlin

    I moved to Berlin in 2015 under the naive assumption that finding an apartment in the largest city in Germany shouldn't be too difficult, especially already having a job lined up, rental references, and plenty of funding in the bank. Clearly, I was in for an extremely rude awakening, as I ended up spending 9 grueling months bouncing between temporary rooms and hostels. When I finally (at random) managed to score a permanent room in a WG situation, you better believe I held onto it for dear life!   I've been here for 4 years now, and although I get along perfectly well with my housemate...I'm getting to a point where I'd really like to be on my own with my own place--especially since having been at the same job for the past 4 years and been promoted, I know that I am more than able to afford a decent apartment.   But in Berlin, the competition is cut-throat! With every showing I went to, there would always be a MINIMUM of 10 other people there (with another 10 or so showing up right after us), and putting my application in with a stack of 30 other applicants felt like playing a lottery.   I know about real estate agents here, but never used one. Is it possible to use one and pay them a sizeable commission to get me a decent apartment? Money is not an issue, I can afford a €1200 apartment with my income. It's just that I don't want to go back into this same routine of running all over Berlin for months on end for absolutely nothing! I swear, finding a JOB is easier than finding a place to stay in Berlin!
  6. Do you like living in Germany?

        This here × 1000. Why should someone spend the rest of their lives enslaved to debt because they wanted to do something productive for themselves and improve the quality of their life? This is what gets to me, and this is one of the reasons why I have no qualms about being a self exile.   It's like "student debt problems" are virtually unheard of in the EU because their education system is focused on producing qualified scholars, not capitalizing off of them!   God, our system is so backwards, they give free CARS to welfare recipients and dump billions of dollars into wars in the Middle East and filling up the jails and prisons over victimless drug charges, but leave higher education up to those who can afford it?   John G, if I knew where you were, I'd buy you a drink.
  7. Do you like living in Germany?

      I'm sorry that I'm so late to reply. But to answer your question, check this link out. You might find it interesting:   www.vice.com/amp/en_us/article/qbx7dm/talking-to-american-debt-dodgers-who-moved-to-europe-to-avoid-paying-off-their-student-loans-111
  8. Do you like living in Germany?

    Do I like living in Germany?   Considering the fact that it's been 12 since I've had had to agonize over my $190,000 total debt in the US (most of which can't be discharged through bankruptcy because they are student loans), and has been even longer since I've been turned down for a job for my teenage escapades that had me often cooling my heels in the county jail, I'd have to say living in Germany is quite peachy.   Second chances feel great! 
  9. What is your experience with legal insurance?

    Attention thieves and con artists!   If you are looking to make a few dishonest euros, Berlin is your number 1 place of choice! Just make sure you keep your ill gotten gains under €500.   I just got back from a mediating session where I am suing someone who clearly defrauded me for €300 by signing a fake signature to pick up a delivery and then schlepping it off for cash. The crininal court declined to prosecute because they felt the amount was too small to bother with. The judge told me that she could not award damages as this is not a criminal court, but a civil court. I tried to show her my evidence, but she constantly closed her eyes and said "Yes! Yes! Yes! I've seen the evidence, I know you are extremely angry, but we can't help you! The criminal court closed this case! It's over! We can't give you damages!"   She gave me an opportunity to go home and talk to a lawyer about my further option before proceeding with an official judgement.   I accepted the offer and will be talking to an attorney. But this is the German legal system.   UN  FUCKING  BELIEVABLE!!!!
  10. What is your experience with legal insurance?

    I'm currently in the process of suing someone for fraud. Unfortunately, the criminal courts in Berlin are too overwhelmed and declined to file criminal charges because the damages were too small. Nonetheless, I have all the paperwork, evidence, and witness statements I need to secure a judgement.   Surprisingly, the defendant chose to contest the Mahnbescheid and retained an attorney. I looked the attorney up to get a feel for who I'd be going up against in court and noted that despite having his office openly listed, he had absolutely no ratings or reviews on Google whatsoever. His single paged website (sporting a portrait of someone who looked like he was fresh out of high school) looked like it was put together by an amateur and generally only outlined the type of cases he specialized in.   He notably surpassed two deadlines in the court procedures, and when I submitted a full written statement detailing how I'd been defrauded and explaining the evidence I had, his written defense response was "I am seeking to have this complaint dismissed. The plaintiff is not entitled to anything. The defendant denies all accusations as presented by the plaintiff." Signature, stamp. No counter explanation, no attempted alibi, no rebuttal, no loophole maneuvers, zero effort--didn't even bother to get a copy the criminal case.   Clearly, this isn't someone who has been paid their 300 euros or so to invest their best effort into seriously representing a client needing legal defense--and I'm thinking it's because he's overworked with numerous other clients handed to him by the insurance provider.   It has me worried because I myself have been paying for legal insurance for the past 4 years. I am quite sure that if someone were suing me and I asked for legal defense, I would be pretty livid if they sent Joe Schmoe who passed the bar last July to defend me by saying "My client didn't do it. Motion to dismiss the case!"   Has anyone here used a lawyer provided by legal insurance? And would you recommend using that, or simply paying for a decent attorney out of pocket?