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All published notes in reverse chronological order.

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N26 in Germany: how to open an online account, pass verification, and choose a plan Overview of N26 in Germany: Standard, Smart, Go, and Metal plans, virtual and physical cards, identification, documents for foreigners, CASH26, transfers, security, and the limitations of an online bank. Name and Surname Changes for Late Repatriates in Germany under Section 94 BVFG Name and Surname Changes for Late Repatriates in Germany under Section 94 BVFG National D Visa for Late Resettlers to Germany How late arrivals and included family members can prepare for the national D visa: the role of the *Aufnahmebescheid*, list of documents, apostille, consulate appointment, and important checks before submission. National Visa D for Germany: Who Needs It and How to Apply in 2026 National Visa D for Germany: Who Needs It and How to Apply in 2026 National Visa for Germany: Common Application Mistakes The mistakes that most often prevent applicants from obtaining a German national Visa D: choosing the visa type, documents, consular appointment, apostille, funding, and motivation letter. National Visa for Germany in 2026: Study, Work, Blue Card, and Job Search Overview of the main national visas for Germany: student, work, Blue Card, and Chancenkarte for job seekers. What to check before applying in 2026. Naturalization in Germany in 2026: What Has Changed in the Citizenship Law A brief overview of naturalization rules in Germany: residency requirements, multiple citizenship, the cancellation of the three-year fast-track naturalization program, and what to check before submitting an application. Nebenkosten in Germany: What Utility Charges Include and How to Check Your Annual Statement A breakdown of Nebenkosten and Betriebskosten in Germany: advance payments, the annual statement, allowable costs, deadlines, mistakes, cable TV, CO2 costs, and ways to save money. Nebentätigkeit in Germany: How to Start a Business Alongside Your Job How to combine salaried work and Nebentätigkeit in Germany: employer approval, Gewerbe, taxes, health insurance, IHK, and risks for foreigners. Net Salary in Germany in 2026: How Gross Income Becomes Take-Home Pay How to Calculate Take-Home Pay in Germany: Lohnsteuer, Solidaritätszuschlag, Kirchensteuer, Krankenversicherung, Pflegeversicherung, Rentenversicherung, and Arbeitslosenversicherung in 2026. No response regarding a German residence permit or citizenship: what to do and when an action for failure to act is possible What to do if the Ausländerbehörde or the citizenship office takes a long time to respond: check the status, apply for a Fiktionsbescheinigung, invoke §75 VwGO, and file an action for inaction. Occupational Disability Insurance in Germany: How BU Works and Who Needs It A detailed guide to Berufsunfähigkeitsversicherung: how BU differs from Erwerbsminderungsrente, who needs a policy, how to choose contract terms, and which risks to check before applying.