₦airaland Forum

amnotapervert:
They are not typically called community colleges in Canada — that's an American term used to describe colleges located within cities.

Also, the notion that colleges are far cheaper than universities in Canada is far from accurate , especially for international students Keep in mind that international tuition fees are often three times what domestic students pay.

In general:

Tuition fees for international students range from CAD 10,000 to 15,000 per year.
You also need to budget another CAD 10,000 to 15,000 for living expenses (accommodation, food, transportation, personal costs, etc.).
So, if you want to study comfortably, you should plan to spend between CAD 20,000 and 30,000 per year all-inclusive.

When comparing costs:

Master’s program at a university may cost around CAD 15,000 to 20,000 per year
college program typically ranges from CAD 13,000 to 18,000 per year

As you can see, the difference is not very significant — maybe a CAD 2,000/year gap on average, which is relatively small when you consider what you might be gaining with a Master’s degree.

Also, many colleges and universities charge similar fees, depending on the program and province.

From a long-term perspective:

Master’s degree holders are eligible for more immigration pathways. For example, Ontario has a PNP stream specifically for Master’s graduates

Some Provincial Nominee Programs (PNPs) prioritize candidates with advanced degrees.

A Master’s degree gives you higher points in Express Entry — 135 points vs. 128 for a post-secondary diploma. Trust me you need all the points you can get

It also typically leads to higher salaries, faster career growth, and helps you stand out in Canada’s competitive job market.

I always advise people: If money is the issue, look for public universities with:

Lower tuition fees
Higher or moderate acceptance rates

For example, Memorial University (in Newfoundland and Labrador) is one of the most affordable in Canada. Last year, international Master’s students paid around CAD 3,222 to 4,833 per year — that’s less than 5 million Naira a year!

https://univcan.ca/about-universities-canada/facts-and-stats/tuition-fees-by-university/

With proper budgeting, you could complete a full Master’s program for under 15 million Naira total.

Plus, after graduation, if you get a job and meet the criteria, you may be eligible for the NL Provincial Nominee Program (NLPNP) under the International Graduate Category

Just remember

Always choose a school and program with a long-term goal in mind.
PR is not guaranteed.
Jobs are not easy — you’ll need to hustle and position yourself well.
So, it’s not just about selecting any school — you need to be strategic

I could say more, but I’ll stop here.

Thank you for this insight, Sir. But I'm going for an undergraduate program. I have HND in Crop Production Technology and I can't do a direct masters with it. Besides I want to change a career path. So I'm starting all over.

Greetings guys. I need advice on this.

The gurus in the house, please would you advice for a university or a community college in regards to getting a visa approval?
I intend applying to a community college because of its affordability.

Guys, please how long does a top up take to reflect?
I made the transfer via my stanbic mobile app at 11:26am today.

Guys, is the BluNest and this our Mutual funds the same?

Secondly, does stanbic mutual funds have the dollar investment, if it does, how much is the least someone can invest?

Thank you

😊

Good evening all,
Please can i go for nursing (Bsc) in the UK with an HND in Crop Production Technology qualification?
I would like to know if it's possible.

Please guys, what should be the content of a reference letter from the last institution I attended?
Secondly, who is applying to Aberystwyth University, Sept.2025 intake?

Guys, please I need help regarding ACADEMIC CV and SOP for undergraduate admission purposes. I need guidance on how to write them. I need help please.
Thanks

Neurotika:
Have you reached out to them to address the issue? Mine is a bit complicated, and I’m not satisfied with the explanation they gave then. I noticed my balance stagnated for several weeks in November, but then it increased significantly at the end of the month. However, it reverted back to its previous state shortly after. They stated it was a system error, yet the same thing happened again yesterday. I suspect that the system didn't apply interest during those days, which is why my balance keeps normalizing and reverting at the end of each month. But they won’t admit that. The difference is over 500k.

Yes, thank you. That was the first thing I did this morning. They assured me the money is safe and would be sent to my main account before 08/01/2025. That my accrued interest is sent out every 3 months. They also said I would experience this again in the next 3 months, so I shouldn't be scared.
It's my first time though, that's why I was so scared and no one explained all these to me.

Registragsas:
Am so surprised. Like why deduct over 73% of my total gains. They should refund my money

They took all of mine. All my accumulated interest. I hope it's an error or something, because right now I'm sweating already.

Me too, what'shappening? Have i lost the money?

Registragsas:
Hi guys, I just woke up and saw a debit of over 280k on my stanbic mutual funds account,
Tagged has withholding tax(wht)
And my total gains/loss is 380k
Whats going on

chloride6:
What are you going to do in America? Visit, conference? Hold documents that support that argument.

Contract negotiation with a Business associate.

Any document, like?

chloride6:
None. You dont submit any. Hold any document you need to support your case.

Hi guys, any idea on the docs to submit for a visit visa for business purposes (B1/B2)?

Stanbic ibtc

freeman67:
It actually depends on the Assets Management you are using, what you want and how you want it.

Most assets managers payout interests at the end of every quarter (End of March, June, September and December). Some customers/clients or investors would want their own interest reinvested while others want theirs paid to their accounts. If you want your interest paid to your bank account instead of reinvesting you can contact them for that.

Also, you can allow the to reinvest then you just redeem the accrued interest anytime you want.

NL1960:
Which Asset Management company?. I use StanbicIBTC Asset Management as i can collect my interest at anytime by just the 'Redeem' feature on the portal.

Stanbic ibtc Mutual fund

Good morning all, please when is the right time to request for the accrued interest and what's the process of requesting for it?
Thank you.

You're RIGHT....The 14% is for fixed deposit

Obinnau:
not true

Please, I'm seeing 14.25% in the bank here for Stanbic Money Market Fund. I thouggt it's said to be 20% interest.

Please, the 20% interest rate, is it annually? And how is the interest paid, monthly?

Obinnau:
StanbicIBTC Money market fund is a form of investment where you keep your money to beat the high inflation in Nigeia, that is, you get returns on the investment based on a set rate that changes according to the CBN monetary polic rate.

So in simpler terms, you deposit your money with Stanbic IBTC Assset managers and they help you grow your funds. it is a low risk investment because the MONEY MARKET MUTUAL FUNDS (emphasis on money market mutual funds), invests primarily on Tbills and govt bonds wich has very low chances of default except the Nigerian government does not exist anymore. There are other mutual fund investments that are medium and high risk, but as a beginner you are encouraged to stick to the money market mutual fund.

The current rate is currently about 20% (banks pay you about 6 % on your deposits if you leave your money in traditonal savings accounts).
You can do a minimum investment deposit of 5000 naira and up to a trillion .
You can choose to deposit your money in bits and bits if you so choose or in one lump sum.
yes, you can withdraw the money whenever you want, you have to submit a withdrawal request and the managers will effect in in 1 or 2 business working days back to the account you provided to them during your registration.

I encourage you to use my referral link to register and if you have any questions you can drop it hear.

https://www.stanbicibtcfundsmanagement.com/invest-now-4b5rly98

Good morning everyone, please can someone explain to me in "detail" what Stanbic money market fund is all about?
2. What is their interest rate?
3. Can I deposit a large sum in the account at once and leave it there OR do I have to be depositing the money bits by bits?
4. Can I also withdraw all my money or some part of it whenever I want?

Thank you so much.

Hi guys,
I have NECO, National Diploma(ND), and Higher National Diploma (HND). I haven't gone for NYSC though.
1. Please what level of study can I go for?
2. Can I switch from my HND course (crop production Technology) to another course like health related courses?
3. Can my step father sponsor me?

I need help concerning getting admission to a cheap university and other processes too.
Thanks
Can someone suggest atleast 3 affordable universities?

Hi guys, I'm planning to study a short course in one of the TAFEs. It's an 8 months certificate course. And I will be sponsoring myself.

Hello guys, please which school/college can I apply with my HND (3.81/4.00)?
Field of study: Crop Production Technology
Any affordable school for postgraduate diploma or so. I heard that I cannot use HND for direct masters.
I'm sponsoring myself and I'm also open for scholarships etc.
Thank you🙏

[quote author=Kingchineme6 post=120514659]I tried it dear, still not working can you help me? [/quote

Carefully and calmly follow the instruction...it works

Amycanada:
https:///JETjQMfmFq16RaQWJBk6zP

Please...for you to Access that WhatsApp group link above, follow this instruction carefully;

First copy the link as text...Not address
Then, paste it on your search browser.
Then, in between the second and third slash (/), type, chat. whatsapp. com
No spacing ooo
Then click enter



Dunno if I'm making sense

Kingchineme6:
Bros rest nah, you don talk and we don hear....... If you like get your guarantor form and if you don't leave it...

No be by force my brother and no be must say everybody go get the work.... I rest my case....

Please send for me...... amakaperpetual09@gmail.com

Thanks

amakaperpetual09@gmail.com

This is my email

Please send me the referee form and past questions...thank you so much

Please, apart from the payment I will make for my phone and the cost of shipping in AliExpress app... Am I going to make another payment when the phone arrives Nigeria? Like custom and all that or even at the post office where I will collect my item?