₦airaland Forum

Hobyno:
I'm trying to understand how this your junk write up add any value to this thread i can't see any useful information there

Don't make a fool of yourself. You need some lessons in logic and deductive reasoning.

It's a really tough job trying to read through lots of junks on this thread just to get one or two posts containing any useful information. All the religious hypocrites are gathered here. Fornicators, thieves, experts in exam malpractices, those who borrowed funds for use as PoF, altered their date of birth and other rule breakers all coming here to form religious, barely able to write a sentence without bringing God's name to it. Shame on you.

joo2018:
Some musings.

The instances of several people who requested PPR mail from NDVO getting other fresh PPR mails seem to confirm a hypothesis I had about applicants whose applications were approved but forwarded back from Ottawa to CIO without PPR mail.

Here it is: There was a decision to delay issuing of PPR mails because EE Permanent Residence admissions target had been met early for 2018. Delaying PPR mails into Dec 2018 and Jan 2019 meant that people would be forced to land in 2019. Given that Ottawa is the largest office and appears to handle at least 60% of applications, it made sense to restrict the policy to Ottawa. So approved files were forwarded to CIO to be held in a bank. PPR mails for those applications will be triggered in batches at scheduled periods from late December to January 2019.

In practice, NDVO was not involved in the decision. Indians who got PPR from NDVO in Nov/Dec were unlikely to land in 2018 anyway. But through online forums like canadavisa, people got to know of the loophole and it appears as if NDVO has some sort of autonomy anyway. So they began issuing PPRs to every Tom, Dick and Harry who asked as long as the application has been approved.

So, people got the PPRs and Nigerian residents forwarded their passports to Accra. Accra which always follow due process (I hail o!). So Accra has been holding people's passport till the appointed time without issuing CoPR. However, the time period in for the delayed applications has been triggered and so there has been automated release of PPR mails (without visa office specified) for those involved.

Prediction: The repeat PPR mail for some (could be a programming error) will continue until the batched applications have all received PPRs or the automated program turned off. Meanwhile Accra will start releasing passports en-mass from now.

There could still be sensible post from sensible people after all.

Alekhine:
Hello All, Please who are those having issues with their Passport photographs and what can they recommend including a place to take the pictures in Abuja. Note I have also sent a Studio 24 pic and was rejected. I will also like to know if sending pics from Nigeria is an issue. Thanks.

Please, at what stage is passport photo required? And is it softcopy only or hardcopy photo as well?

Barrytone:
like i said earlier, when you run into issues then you will know its not sterling bank that owns the app. its convenient to use but upfront is not achieved and compounding is not achieved. its only good for those not in the country, use the banking hall so you can hold somebody accountable and not going to sterling bank branch in your town and they will disown the app, leaving you with one option of travelling to lagos(head office) to sort it out or you take my way and go threatened your bank who will also be firm that the money is not in their coffers and redirect you to sterling. i only old first bank that they connived and rechannel my money as the receiver(Parthian partners) is telling me that they have not seen my money. i told the manager that i will start with social media before he advise one of his officers to lodge a complain against sterling bank with cbn, within 2 days i got a call from Parthian partners apologizing and promising to pay for the 3 weeks they held my money but when money was released the following day it was solely my capital and i moved on after learning my lessons. for me, its a no no

Thank you for sharing this experience.

I see lots of percentages floating around as regards to bonds. Not so straightforward as profit/loss as I would prefer. Could someone please explain what the difference is between "coupon (%)" and "offer yield (%)"? Thanks again for your contributions.

ernie4life:
yeah, Bonds are debt instruments,
when there is a merger the new company takes over the bond.

Thanks. Kindly recommend broker who can make that purchase. Banks I've spoken with said they don't do Eurobond. Same with some dealers who were advising me to invest in their mutual fund instead.

Is it still safe to buy Diamond bank Eurobond considering their recent merger?

ernie4life:
some Eurobonds trading

Bank coupon Maturity date
Diamond bank 8.75% 21/05/2019
Republic of Nigeria 7.875% 16/02/2032
Fidelity bank 10.50% 16/10/2022
First bank 8.0% 23/07/2021



So, to buy Eurobonds you need to talk to your broker who must be regulated to give you what is available and make recommendations.
With most firms the whole process can be done without visiting the physical office especially for those not in Nigeria, coupons are paid twice a year till maturity, there is always custodian fee usually a percentage of the value of the Eurobond and it’s very small.

Please always make your findings, my write-ups are for educational purposes and should not constitute a basis to make investment decisions, always consult your financial adviser before you make any investment decision.

LOTRISH45:
Only soiled hands roam around the internet looking for the kind of hubris you dumped here as advice.
You are not aspiring to go to a jungle, but a developed society where you can only temporary run from the law if you have crime baggages. Fix yourself and have rest of mind as you proceed with this journey.
Fellow Nigerians here or outside will have nothing on you, if you are upright.

Okay. Hope that makes you sleep better this night.

ArcUgo:
I'm sorry to say but you need to change your mentality because if you can come here and make generalizations like this then you haven't learned the real lesson this case should teach us. Which is that Canada is a civilised country were everyone has rights. You don't make decisions based hearsay or without giving the other side opportunity to defend themselves.

Who says this letter was written by a "concerned NIGERIAN/CANADIAN" and not some disgruntled girlfriend or boyfriend with a vendetta.

Who are the so called NIGERIAN/CANADIANS? Are they a recognized association in Canada with officials or representatives.

Who signed the letter because from the way i see it, if the letter wasn't officially signed by someone then it's invalid.

And if the letter was signed they have to present evidence to back up their claims.

And for a VO to make a decision based on that letter then something must be wrong.

Finally, if you decide to believe that every Nigerian is trying to bring you down then that's too bad but I don't think you should come here and give such negative advise.

You're entitled to your opinion. So am I. But why do I have this feeling that you're in that class of the so-called "concerned Nigerians"? Bitter people and enemies of progress. You were so blind by whatever has blinded you to see that the VO actually made a decision based on that letter.

As a result of the letter, the Immigration Officer failed to fully consider and properly weigh the evidence at hand.

https://www.canadavisa.com/case-commentary-2011.html#gs.wZMUAYHe

Greatlady234:
Good morning everyone.

I submitted my application on Saturday and paid processing fees...I got debited and got AOR. I just got refunded ,but no message from CIC,elders has this happened before? What could be wrong?

Help!!

Clearly, payment failed and it's definitely a problem with your bank. Contact your bank ASAP. I hope you used your own credit/debit card? Maybe the card has been flagged/transaction reported.

I just read a 2011 case commentary and I'm amazed at what Nigerians can do to one another. Please for God sake, make yourself as faceless as possible on this forum, avoid the PM and WhatsApp group thing if possible before someone pick up your details and write IRCC as "concerned Nigerians/Canadians". It doesn't matter if you have something to hide or not. Good morning.

OLUREMI ESTHER AKINMAYOWA v. Canada (Minister of Citizenship and Immigration)

During the application process, a letter was forwarded to the Immigration Department from “concerned Nigerian/Canadians, Toronto,” stating that the Applicant’s marriage was a marriage of convenience. This letter served in part as basis for refusal of an in-Canada spousal sponsorship application.

However, the letter was not disclosed to the Applicant at any time prior to the decision being rendered. In this respect, the law is clear that if a decision is to rely upon extrinsic evidence, this evidence must be disclosed to the Applicant. Further, the Applicant must be given an opportunity to see and respond to such evidence prior to any decision being made.

As a result of the letter, the Immigration Officer failed to fully consider and properly weigh the evidence at hand. He did not give weight or credibility to documentary evidence supporting the genuineness of the marriage, and noted many discrepancies between answers from the Applicant and spouse resulting from their respective interviews. However, the Court finds that many of these discrepancies can be explained as not being so, and the vast majority of answers were consistent and identical.

The Court finds that the failure to disclose constitutes a breach of natural justice and the duty to act fairly. The application for review is therefore allowed.

toluls:
and @gboladiran

Mine was 226 CAD for ICES ECA with courier delivery within Canada. I used GTB Naira Mastercard and was charged 62,539.80. Paid late December.

276 Naira to 1 CAD, they are armed robbers in that bank. Even Aboki exchanges for 270. Best is to find dom and get a dollar MasterCard, I think.

Barrytone:
Just did 90 days at 10.6% on the 5th of Jan but I just need to buy a car and wants to terminate, how much am I loosing. Principle was 6.9m at first bank. Thanks

Can someone please answer this question

wasseynewest:
Dear, even with zero work experience + masters and a sizeable age(32yrs downward), you're good to go. What assumed score did u use for IELTS?

I believe at least one year work experience is required to qualify.

alezzy13:
Oga ogogoro, hope say u never overshack o.(Na joke o)

But seriously how can he aim for 15.5% when the highest rate currently in primakt is just abt 14.5%? U want the bank to be at a loss?

Even @the secondary mkt it's banks rate that must use. You can however insist that you won't accept below a specific rate.

I'm confused. Can banks trade at secondary market? If so, which bank?

Palominopeaches:
Guys I haven't received my ITA o. Should I be worried?

It's could take up to 2 hours. But once you are at least one point ahead of the minimum score or meet the tie breaking rule you can go to bed. So relaaax.

HenriFayol:
hi, pls can you share a link with me to understand the two or more certificate part. Or refer me to the page

Just simulate your CRS. Select "2 or more certificates" where it asks "what is your level of education?". Also check your score with a "bachelor's degree" for comparison.

EyesondPrize:
Lolz...they have been shining since.

Amazing! I was simulating for someone and just noticed that. No HND graduates have any excuse. 33 points ahead of a BSc graduate is not beans.

Did some simulations. So apparently HND gets a whopping 33 more points for "2 or more certificates" than a BSc?

Fair or not, I guess it's time for Polytechnic graduates to shine!

pallybrown:
Good morning guys, I have been following this thread for a very long time so I decided to try this with my bank. I sent them and email and they replied with a form and I chart list so I pick the shortest time, fill the form and sent back.

Can someone explain how much my investment will yield

.

76÷365×10%×1,000,000= 20,821

Ramj:
This issue has been put to rest please.

Noted!

jmnsimone:
Sorry to butt in but this is such a terrible take, and if I were him I'd ignore you too. You "got" his number meaning he didn't give it to you and doesn't know you but instead of calling and introducing yourself, then asking for the favor you needed you sent WhatsApp messages.

Can you imagine a stranger sending you Whatsapp messages asking for a favor e.g money? (extreme example but same difference)

I'm going to assume that every one of us on this journey is reasonably mature and we understand the basic etiquettes of communication, so why do we throw it out when we log on here?

I think all of us need to realize that every answer we see or get here comes from the benevolence of the heart of the sharer no one owes us anything. Once we recognize this, maybe we'll be kinder to each other, and more grateful for the abundance of information available on these threads

Anyways congratulations on acing IELTS, I hope the rest of your PR journey is smooth and uneventful.

That is load of bullshit analogies. You should just let sleeping dog lie. It's not your matter anyway.

Ramj:
For those still struglling with evaluation, which body to use and all

For Evaluation of Degrees - ECA for immigration is what you need
PLEASE READ
https://www.canada.ca/en/immigration-refugees-citizenship/services/immigrate-canada/express-entry/documents/education-assessed.html

The main idea is to get the right body to correctly evaluate your degree to give a Canadian Educational Equivalence.

Apart from Doctors (MCC Pharmacist (PEBC).

Any of the other Bodies Accepted by CIC
WES, ICES,IQAS, ICAS, CEC can evaluate all other degrees however wisdom is profitable to direct
NB: Only WES evaluates Professional Certifications like ACCA, CIPM, ATS AAT...

ICAN itself is not equivalent to Any Canadian Educational degree for now so don't bother

That being said experience has helped to build knowledge base that not all these bodies evaluate degrees the same way.

Also considering speed and required documentations these are the recommendations.

Lawyers - use IQAS ( they would clearly state your LLB is equivalent to a professional degree which is same as Masters)

Nurses - RN and RPN, RM, and other post basic degree - use IQAS or ICAS to get 2 or more Certificates) IQAS faster

According to CIC you only need to evaluate your highest degree

PhD and MSC and Bsc - Only PHd

If you have BSC and MSC - only MSC

This rule does not apply if PGD is your highest qualification.

If you have Bsc and PGD evaluate both to get 2 or More Certificates.

ND and HND or NCE and HND - evaluate both

For all other degree you can use either of the ICES, WES, ICAS, IQAS or CEC...

If you are evaluating only foreign degrees - WES is your go to body.

Once a Nigerian degree is involved WAEC is a must (WAEC processes is pretty simple so nothing to worry about ensure to send a new scratch card)

ICES is fastest for now 4-6 - they don't need WAEC, your school can send transcript to them by official email and they don't reverify with your school like WES.

ICES evaluates each degree at $200 CAD unlike WES nonetheless[b] I recommend[/b] them even if you have 2 degrees to evaluate (cheaper on the long run I tell you)

NB: ICES do not send soft copy ECA - so i advice you use a US, UK or Canada address for delivery and get it scanned to you. NIPOSt are trying but docs still get missing in transit - or request for courier delivery


What else further read

ICES - https://icesonline.bcit.ca/ices/register/register

WES - https://www.wes.org/ca/

IQAS - https://www.alberta.ca/iqas-immigration.aspx

ICAS - https://www.icascanada.ca/home.aspx

CES - http://www.learn.utoronto.ca/ces

MCC - https://mcc.ca/ and http://mcc.ca/repository/educational-credential-assessment/

PEBC -https://www.pebc.ca/ and https://www.pebc.ca/index.php/ci_id/3374/la_id/1.htm

MUST READS -
http://www.cic.gc.ca/english/helpcentre/answer.asp?qnum=681&top=29
https://www.wes.org/ca/eca/


Je m'appelle ECA

This question is asked million times. Please add to FAQ to minimize land use.

MacShiff:
When creating profile with only HND.

You will pick Three years diploma first and fill your ECA number and click on add to add the second educational qualification as ONE year diploma. Also fill the same ECA number.

With this your profile becomes two or more and your CRS score will be same 454 as your CRS calculator.


When creating profile with HND and ND

You will pick Three years diploma first and fill your ECA number and click on add to add the second educational qualification as ONE year diploma. Also fill the same ECA number.

You also pick TWO years diploma for your ND.

That was what we did and it was accepted. It was displayed as three years diploma and one year postgraduate diploma in our gcsm notes.

The Analyst will work with whats on your ECA report. We Verified only our HND as three year diploma and one year postgraduate diploma.


WES verified only our HND as there year diploma and one year postgraduate certificate.

BUT with ICES you must verify both your ND and HND to get two or more certificate.

Can someone please add this to FAQ? A lot of people will find this helpful.

Gavrelino123:
Oga stop all these nonsense......This is 2019 abeg,fear God.

Just report him. I just did. And don't quote his post.

fxuser:
- most big broker can sort u out
- if u want big vol, chk exotix .. they give good rate
- if u cant do d minimum 100k usd , chk with investment one, they can do 20k minimum i think
- yh diamond hit 30% at d height of d fear sell off before ralling to 20% .. maturiing q1

Thanks for this info.

Miarose:
Good Morning BNSITL,

Does anyone know how one can buy into eurobonds or any FCY denominated bonds?
what platforms or brokers offer it?
I heard the diamond bank euro bond went as high at 28% translating to a yield of about 400$ monthly per 10000$ invested?

i would like to understand the trends in this market .

thank you.

Did you find answer to this question?

I have savings in Euro lying idle but wouldn't want to change to Naira yet because Naira is currently strong.

Is there any short-term (6 months max) investment in Euro with at least 5% yield? I need your kind suggestions please.

But you see this in Games of Thrones and applaud. I think this poor fellow has been watching too much Western movies

Homguy:
cc: raheemkeji
I think you should do this or aim to get a 1 year masters degree from a school like Unilag if you are not in a hurry.
I wouldnt adbice anybody to wait on pnp if they still have avenues to explore.

Wrong advice. PR won't last forever. What if the program is closed by the time she completed the MSc. And again, which is easier, writing IELTS for as many times it takes or studying for a masters?