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Janine El-Saghir

Dr. Janine El-Saghir, who has an international background, uses her analytical skills to decode complex German systems for expats. For how-to-germany.com, she clearly explains topics such as the healthcare system, visa processes, and the tax system based on thorough research and an understanding of expat needs.

Tax Return in Germany
Foto: simpson33 / iStock
Tax Return
Discover the necessity and benefits of tax returns in Germany. Learn about the specific cases where filing is required or advantageous. Familiarize yourself with the tax return forms and the important filing deadline.
20 January 2025
VAT in Germany
Foto: Khanchit Khirisutchalual / iStock
VAT
Learn about VAT in Germany and its basics. Understand the different German VAT rates applicable to various goods and services. Discover the significance of a German VAT number and differentiate between VAT and sales tax.
20 January 2025
Savings Accounts in Germany
Foto: Nattakorn Maneerat / iStock
Savings Accounts
Learn about the differences between flexible savings accounts and fixed-term savings accounts. Understand deposit protection in Germany and the EU, taxation on interest payments, and the steps to open an account.
26 March 2025
Bank Accounts in Germany
Foto: nd3000 / iStock
Bank Accounts
This guide offers a thorough exploration of German banking, comparing online banks, traditional banks, and specialized options. Discover essential insights on fees, services, and application requirements.
15 April 2025
debit cards germany
debit cards germanyFoto: Paul Bradbury / iStock
Debit Cards
Debit cards have emerged as a favored choice for seamless daily transactions, convenience and security. In this guide, we look at the top German debit cards, equipping you with insights to select the perfect fit.
19 January 2025
american express credit cards
american express credit cardsFoto: American Express
AMEX Credit Cards
Explore AMEX's diverse offerings, from the luxury-focused Platinum Card to the rewards-driven Payback Card. Discover benefits, fees, and alternatives, empowering you to make informed choices.
20 January 2025
n26 credit cards
n26 credit cardsFoto: N26
N26 Credit Cards
Explore N26's array of credit card options, from Standard to Metal, and discover the N26 Overdraft for credit flexibility. Compare fees, perks, and features to make confident choices.
19 January 2025
hanseatic credit cards
hanseatic credit cardsFoto: Hanseatic Bank
Hanseatic Credit Cards
Discover the tailored offerings of Hanseatic Bank, from GenialCard's flexibility to GoldCard's travel perks. Uncover the pros, cons, fees, features, and alternatives, empowering you to make informed decisions.
16 April 2025
prepaid credit cards
prepaid credit cardsFoto: Drazen Zigic / iStock
Prepaid Credit Cards
Explore what prepaid credit cards are, how they work, their pros and cons, fees, features, and the application process. Discover who should opt for them and when to use them effectively.
19 January 2025
business credit cards
business credit cardsFoto: nd3000 / iStock
Business Credit Cards
Learn about the differences between business and corporate cards, weigh pros and cons, understand fees and features, and choose the business credit card that suits your needs and fuels your business growth.
19 January 2025