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Travel / Re: General UK Visa Enquiries - Part 4 by Cyberknight: 6:54pm On Dec 04, 2021
Thanks for the response. Self-employed - I run digital services as a freelancer. Working on my CAC. What other document(s) do I need?

Hold fire on that application.
If you are an adult and you can't afford to sponsor yourself, you almost certainly will not get it.
Travel / Re: Securing Visa To France, Applying From Nigeria... by Cyberknight: 6:49pm On Dec 04, 2021
Hello house

It seems France and schengen countries are not really popular with Nigerians cos I notice this thread is not active at all.

What do you guys think of any propose application this December considering the new COVID 19 variant ravaging Europe and the world at large?

Postpone it.
Travel / Re: Securing Visa To France, Applying From Nigeria... by Cyberknight: 6:47pm On Dec 04, 2021
N.B: This is a question about Austria Schengen visa.
I and my wife applied for Austrian Tourist visa since 22nd of October.... and till now we're yet to get any response...
Reason of visit is for Christmas Holiday.
We're first time visitor to Europe.
Just wondering if anyone have an idea of what's going on.
I've sent several email with no response to their embassy.
N.B: I'm asking on this thread because there's none for Austrian Tourist and I actually read this thread to for required documents....

Thank you

Austria is currently in lockdown - maybe that has something to do with it as a Christmas holiday there is almost definitely not feasible at the moment.

1 Like

Travel / Re: Securing Visa To France, Applying From Nigeria... by Cyberknight: 6:45pm On Dec 04, 2021
Thanks. The address is written on the refusal letter but how do they expect an English-speaking person from an English-speaking nation like Nigeria to appeal in french language? I have appealed in the past against a visa refusal at the German consulate and it was entirely in English language. Is this a deliberate attempt to frustrate the whole process or what? Has anyone here appealed against a French visa refusal and what the language of the appeal?

Look at it from their standpoint - given that appeals are dealt with in France, why would they ask people to write their appeals in any language other than French?
As an aside, don't waste your time appealing.
Simply reapply.
Travel / Re: Securing Visa To France, Applying From Nigeria... by Cyberknight: 6:43pm On Dec 04, 2021
Good evening my pple, pls someone should help me, my international passport ll be expired March 8th 2022, I want to know if I can use it to apply for French visa on December and use it to travel on February, 2022?
As my renewal passport is not yet ready for collection for the past 2 months.

You can't.
Your passport must have at least 3 months validity after the date of your return.
Investment / Re: Treasury Bills In Nigeria by Cyberknight: 7:24am On Sep 18, 2021

Also, similar to my reasoning earlier, it's good to see our VP question banks regarding mortgage...

If there was one industry in Western, I believe does hold the potential to lift at least a million Nigerians out of poverty with far reaching implications for the state, it's the mortgage industry...

Lets take a well paid FG young worker for example... If that person wants to own a home today, they'd need to save for at least 2-5 yrs to buy land. Then they process papers >>> look for an architect to draw a plan >>> pursue approval >>> look for a builder >>> take the next 10 years trying to build an apartment block by block ... All this while, the person is at the mercy of the builder/architect as its not his field. Also, the well established builders are not willing to get bogged down on a single house for years I've seen well earning families struggle for over a decade to build their house. This impacts heavily on their disposable income for things like holidays e.t.c during that time....

Now compare th above to another system where Julius Berger discusses with the government for land title, builds standard apartment with facilities leveraging on the economics of scale, and put these up for sale. That same young civil servant goes to his bank and gets a loan of 75 million at < 3% interest (which he could realistically payup over his career), buys that apartment in a good area with a proper title, pays a little amount monthly (which most times is less than what he'd have paid as rent), has loads of spare cash for other things... With time, if the price of the house appreciates, he could even sell it, pay the bank their loan and have more money to go for a bugger one...

The government benefits with such a streamlined process... Building laws are adhered to, things like ground tax e.t.c are paid, with the right database, the government can target certain groups to support e.g first time buyers can pay little or no tax e.t.c...

Comparing the age-old buying land and building to tge mortgage system is like comparing cocoa pods to its refined components like bournvita, chocolates e.t.c... The mortgage system can be an economic miracle...

But then, the CBN could help in kick-starting that process by encouraging/funding credit rating systems... When you have that, the banks know who they could safely lend to.... The construction companies can then get to work

Excellent submission - but as has been repeatedly stated in various platforms and publications over and over - Nigeria's problem is not that the government doesn't know what to do or knows what to do and is seeking guidance about how to do it. These people virtually live abroad, they see how things work and know how to replicate some of those things here if they really wanted to.

For all this country's deep problems, it doesn't lack competent people. Obasanjo, with all his faults, showed how it could be done - bring in technocrats, leave them to do their job, let them [try to] make Nigeria work, while the golden goose lays eggs for those in power to feed off.

But now, the people in government at all levels simply DO NOT want to govern properly and are just lining their pockets.


Travel / Re: General UK Visa Enquiries - Part 4 by Cyberknight: 9:13pm On Sep 11, 2021
Hello guys, please i need advise from experienced persons here, my international passport will be expiring by Nov 2022. I want to submit applications to schools for Sept 2022. Is it advisable I submit this soon to expire passport or do I have to renew it first before applying to schools? I just want to be on the safer side. will be awaiting your kind responses. Thanks

You can renew your passport officially 6 months before it expires, in your case in March 2022.
Your visa journey will start way after that if you're going for September 2022 admission, so renew your passport next year and use the new one.
Try not to come to the UK with a soon-to-expire Nigerian passport, the Nigerian HC here is appalling in terms of passport renewal.

1 Like

Travel / Re: General UK Visa Enquiries - Part 4 by Cyberknight: 9:09pm On Sep 11, 2021
Good evening,
My husband recently applied for the UK visa and got rejected.
The documents he submitted were his company CAC certificate and his personal bank statement where he saves money.

Please what do we do moving forward if he’s to re-apply.

21K pounds in savings is a good deal of money.
Put simply, they want to know if this is really his earned money.
The specific request for TCC doesn't mean your husband should go and pay 30k naira for self-assessment to LIRS and include that with his next application - (if you're a 15 million naira kind of guy, your tax liability will be commensurate), they want more evidence to show that your husband is a man who can afford to have 15 million naira lying around in a savings account.
Travel / Re: General UK Visa Enquiries - Part 4 by Cyberknight: 8:57pm On Sep 11, 2021

Hello dear, we're both in the same situation. I've been posting questions regarding the UK Health and Care Worker Visa route here but haven't got any responses.angry It appears this thread may not be the right one for this new visa route.sad
Please let's all join hands and call upon @ Justwise to create a new thread specifically dedicated to the 'UK Skilled Worker Visa / Health and Care Worker Visa'. Thanks.

You could create one if you wanted.

1 Like

Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 6 by Cyberknight: 8:44pm On Sep 11, 2021

This makes no sense at all.
So na because of rubbish details of backstabbing boy-girl sexual relationships and how someone snatched your girlfriend that all "Nigerians" should keep to themselves and shun all other human beings in the UK.

HR, this is savage!
Investment / Re: Treasury Bills In Nigeria by Cyberknight: 8:30pm On Sep 11, 2021

Solving the issue of insecurity caused by the herdsmen can be done in a couple of months if the president sees it as a problem. Banning Twitter didn't take days, sending soldiers to kill unarmed protesters didn't take months; the president can marshal out the same willpower and urgency in addressing the herdsmen in the language that they understand.

Technology transfer is not a herculean task if we put in the resources to get them. We have brilliant youths who can be trained in a matter of months to operate and service the machines.

We have good brains that can reel out feasible and thoughtful plans to bring food production to fruition. Our brother is in AFDB, our sister is at World trade headquarters and we have good heads inside the country.

We have been copying the west in many things,we can just go to people who have passed through this stage in nation building and copy their templates.

Willpower is just the problem we're facing in this country.

All very true, but what we lack is NOT willpower to do something.
This government certainly has the willpower to do things, the problem is the things it is doing with its willpower are not generally what the country needs (take the energy with which Buhari is pushing RUGA for instance, and turning a blind eye to his kinsmen's activities also requires willpower to ignore the loud cries from the rest of the country).

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Investment / Re: Treasury Bills In Nigeria by Cyberknight: 3:47pm On Sep 05, 2021

Our problems are hydraheaded like you say, but then it can be solved by starting from somewhere...or at least, not making it worse.

Regarding milk, trust me... If Nestlé wanted to start production here, they'd have done that long ago.... Already, one of the milk companies are doing it.... They buy directly from local farmers at rates much cheaper than international price... In turn, they give the farmers cheaper input and teach them how to milk the cows properly... The farmers no longer have to roam their cattle and make much more than if they sold the milk as fura locally.... Although it was on a small scale, the outcome was promising...

That we have a huge population is our leverage on these companies... If the cost of running their company and selling milk to Nigerians is not too high for them, then the cost of producing such here shouldn't be too high either. Or is their plan to perpetually import from Netherlands?
If not for such policy, by now MTN would still have been importing recharge cards and ShopRite (b4 leaving) would have been importing banana..

The issue is that all our policies resolve around banning this or that without thinking things thru... Most western nations achieve all these by just tweaking with taxation here nd there... Take ulez fees in some major cities for example.

The last macroeconomic policy of the CBN that made sense was them mandating banks to borrow out money by tweaking with the CRR... End result was that banks rapidly dropped their rates and started looking for eligible folks to borrow money... Pity it's not been built on..

The policy was still a silly one because how many people in Nigeria can realistically afford to borrow money at the current high-interest rates. You can't mandate borrowing - the banks know very few people can afford to borrow at 20% or whatever interests rates are now (which business will yield that kind of returns), so they are loath to lend money because they know defaults go plenty, then CBN penalises them for not lending, it's basically insane.

The same CBN keeps interest rates high because it's trying to combat inflation (understandable), so it ends up creating a vicious cycle. The CBN also cut savings interest rates, in an effort to make people "invest in the real economy" by disincentivising leaving money in savings accounts (when people are strongly disinclined to do so in the current economic environment), with the result that as money left in savings accounts was losing value (inflation), many people bought foreign currency to use as a store of value, thus again putting pressure on the naira.

Nothing is adding up.

I'm no fan of the current CBN governor's policies re monetary management, and I fully appreciate that he has very little room for maneouvre considering the current political situation and the red lines (do not devalue the naira, etc.), but the policymaking could be a little more joined up.

1 Like

Investment / Re: Treasury Bills In Nigeria by Cyberknight: 9:07am On Sep 04, 2021

Most countries with currency crises eventually did that... Argentina, Lebanon e.t.c. usually, the dollars in dom accounts are seized and forcefully converted to the local currency at the central bank rate.

CBN doing that will be going against the high and mighty of the society which is why I believe they've not done it.... So far, their interventions have been targeted against the poor or younger folks and they're at a stage where there's not much more they can target and folks are no longer buying their excuses. Fact is the average Nigerian might even welcome such a move and the defence would be to ask what folks are storing dollar for

But with all the little things they've done recently incl the e-naira, they're getting more desperate and running outta ideas... The arbitrage between both rates is now 30%. Sooner or later, CBN will be forced to make a big move which IMO will either be to end the dollar susidy on many items or go for dom accounts.... We already know how the market will react to the second option.

Well said.
Were Nigeria governed with even a fraction of the competence that is available to us, the CBN should have ended this dollar subsidy nonsense long ago. Nigeria's situation is approaching that of Argentina in 2018 - and headline inflation figures are probably massaged anyway - the interesting thing to see will be whether the CBN and the politicians will continue to bleed the country as hitherto. Knowing Nigeria, I'm sure they will.

No amount of patriotism can change that fact.


Investment / Re: Treasury Bills In Nigeria by Cyberknight: 8:02am On Sep 01, 2021
We all know that things are not going smoothly in Nigeria, lots of challenges in every sector. But Nigeria has a way of disappointing those that have always predicted doom on her.

Nigeria's economy just recorded five percent growth in the second quarter of 2021, I am baffled nobody even shared the news here. Lets assume the news was a negative one, or Nigeria slumped into another recession, many would have shared it here without hesitation.

"Those who wants to reap the benefit of this great nation must bear the fatigue of supporting it"

I definitely don't think Nigerians, when they think about it, want doom for Nigeria. As bad as it is, its home.
But Nigeria's rulers definitely want doom for Nigeria, from the way they act irresponsibly and incompetently and Nigerians too appear to want doom for Nigeria, by the way they sit back and watch and support its rulers acting irresponsibly and incompetently.

So ultimately, it is difficult to see anything good happening in Nigeria anytime soon, or any time at all. Good quotes are fine-sounding and all very well, but make no difference to the reality on the ground - Nigerians and the Nigerian government are killing Nigeria.


Travel / Re: General UK Visa Enquiries - Part 4 by Cyberknight: 9:30pm On Jul 26, 2021
Good morning house

I was going through the group and noticed some people said they got a call from embassy for brief questions (like phone interview) after biometric.

please!!! what are the question they ask ? Please kindly enlighten me. Thanks

If you're interviewed, the questions will obviously most likely address your own specific situation, so these can't be predicted.
Travel / Re: General UK Visa Enquiries - Part 4 by Cyberknight: 9:28pm On Jul 26, 2021

I beg to differ.In this case a ban is a ban and was issued for a reason which could be deportation or alleged deception.
The said letter for leniency you advised could have been written prior to the application and wait for outcome not presented alongside a fresh application.
Where a person has used deception in an application they are subject to a mandatory 10 year re-entry ban - set out in the Suitability: false representations, deception, false documents, nondisclosure of relevant facts guidance, and Paragraph 9.8.4 (d) of the Immigration Rules.
10 years is nearly up so ild suggest it’s best to wait
instead of getting a refusal and risking further bans.

Travel / Re: General UK Visa Enquiries - Part 4 by Cyberknight: 9:28pm On Jul 26, 2021

It is a work and study visa. I really want to know if it is ideal for such visa and if the success of the Visa might be affected.

I don't get the origin of the funds question please.

A what?
Travel / Re: General UK Visa Enquiries - Part 4 by Cyberknight: 8:29pm On Jul 20, 2021
Hello fam,

Please I am the main applicant and already in UK, but my dependents (children) are yet to join me. Please I want to know if my husband who is a dependent can use his account statement to apply for the kids visa. Note that he is also in UK with me and we can not move the money out of his account to mine because of some issues with my own account.

Yes, you can.
The money can be in either parent's account or in both parents' accounts, i.e. assuming you need to present 100 naira as maintenance, that 100 naira can be in your account alone, or your husband's account alone, or you can have 50 naira in your account and 50 naira in your husband's account, and so on.

1 Like

Travel / Re: General UK Visa Enquiries - Part 4 by Cyberknight: 8:26pm On Jul 20, 2021
Good Day All and Happy Sallah.
Please I need urgent Response. What is probability of getting visa for someone that got Visa Refusal last year reason was not able to Verify the Applicate Work Place or Contact him through Email.
Attached is the refusal letter

I think you should bear in mind that 500k plus is in the range of what mid-level managerial staff earn in multinationals in Nigeria and the ECO will want to see more evidence that you are actually working for a company that can actually pay you that much. Note that saying something is so doesn't count, in this case it has to be evidenced.

If one was working for an established company in Nigeria, that employment alone would speak for itself. In your case, I would advise that if you decide to re-present your employment with this entity for a UK visa, do not rely upon payslips and salary deposits alone, as the embassies know these are easily arranged in Nigeria; you should back it up with evidence of being someone who really has a net income of 7 million plus.

1 Like

Investment / Re: Treasury Bills In Nigeria by Cyberknight: 7:58pm On Jul 20, 2021

And which law are you breaking to get a job and open an account there or register a business and open an account there?

Also MPESA as I suggested isn't illegal. I still have my Kenyan sim with me like this and even though I have not used MPESA in several months, it's not illegal to keep the ownership except there's something you know that I don't know Sir.

I actually wished I opened like 3 bank accounts. I was paying over 100k KES monthly as taxes to that country, and one nigga here is saying it's illegal to open offshore account. Nairaland una no go tire me.

Read and understand the post you quoted properly.
If one gets a job in a country, and has to go there to work, then one has obviously established residence there for the duration of their employment. I didn't think that needed to be spelt out.

I also stated clearly in English that there is nothing illegal about holding a bank account outside one's current country of residence. You actually quoted the comment in full, then drew the opposite conclusion.

This puts an end to this matter for me.


Investment / Re: Treasury Bills In Nigeria by Cyberknight: 10:34am On Jul 20, 2021
Of course it is not illegal to open an account in another country.
It is illegal to break the law of that country to do so.
Most countries require one to establish residence no matter how briefly there to have access to banking. In many African countries, that is not very difficult.
Getting a Kenyan Alien Card for instance, is not.
Mobile money accounts and even the SC basic one previously mentioned can sometimes be opened, but those work best if you just come and go and don't intend to move any significant volume of money.
Investment / Re: Treasury Bills In Nigeria by Cyberknight: 8:44am On Jul 20, 2021

You are stressing yourself too much

Look up.... Lazyyouth4u just quoted the Guy's comment of few months back

I know I'm repeating myself- its simply because I have a dog in the fight smiley. Once Nigerians start speaking of "ways" and workarounds, we know where it gets to and that makes things difficult for the rest.
I've a long association with Kenya, and I've seen the situation of Nigerians there worsen and I don't want Kenya to turn into Ghana for Nigerians, a place where we are now hated instead of being celebrated as we once were because they easily blame us for frauds and all sorts.


Travel / Re: General UK Visa Enquiries - Part 4 by Cyberknight: 7:17am On Jul 20, 2021

Thank you so much ..This is helpful

Check well before you buy.
Their prices are not so much different from what BA is offering, last time I checked.
Also RAM can be lousy with luggage issues, sometimes.
Travel / Re: General UK Visa Enquiries - Part 4 by Cyberknight: 7:13am On Jul 20, 2021
Greetings to you all please .
I was a victim of been inadmissible to Canada for five years this happened some three years ago by the Canadian Embassy and this will end in 2023. So right now i am applying for UK visa as a dependent to my wife who got a job in UK as a Nurse and now we both are applying for Visa. Please should i disclose this inadmissible to Canada for five years in my UK visa Application....
Please i need a helpful and professional advice on this please

Disclose it.
Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 5 by Cyberknight: 5:44am On Jul 20, 2021
I'm living in dubai currently, and I don't use dubai account I save my money directly to Nigeria account,
Because of this, do I need to exit the country for interview when it's time or do you think I can still use my 9ja statement of account in UK embassy here....

I'm sponsoring myself
A dude told me recently he doubt if UK allowed self sponsorship
But I want to affirm such notion here I know I'm in the right place with people full of ideas

Although, have made some searches but yet first hand info. Here is better sometimes than Google
Please what are your suggested schools where its easy for one to get side job too as a student

Thanks for your response in advance

Inaccurate (and frankly crazy) information - where in the world would there be rules preventing someone from paying their school fees from their own pockets?
There are no specific "schools" where getting part-time work is "easy".
Better to look at it this way - just like in most countries, the bigger the city, the more the economic opportunities tend to be. And bigger cities also have higher cost of living, London being the most common example.
Secondly, the universities offering cheaper tuition also tend to be in less attractive locations, like Hull for instance.
Put all that information together, look at your pocket, do your research, then decide.

1 Like

Investment / Re: Treasury Bills In Nigeria by Cyberknight: 5:33am On Jul 20, 2021
Says who?! My ex a Kenyan opened an account with zenith Bank with voters card in Nigeria. Anything is possible in Nigeria.

That we all know - corruption and laxity has eaten Nigeria up, obviously your ex, as a non-Nigerian, is not supposed to have a voter's card.
I meant officially - you are supposed to be a legal resident of the country before you can access the banking system, and your ex should have been asked for a resident permit/BVN.
In Kenya you will need a KRA pin (Tax ID) in addition to formal residence, and while you could go there and get one if you put your mind to it, that will also expose you to paying tax in Kenya, and they don't play with that, so the spiral would continue.


Investment / Re: Treasury Bills In Nigeria by Cyberknight: 7:03pm On Jul 19, 2021

Hello bro

I tried sending a mail but nairaland isn't allowing me to. I was researching opening offshore accounts, particularly standard Chartered account cause of their wide spread, and I bumped into this. Would you mind sharing how to get this done? Is there a way to reach you directly. Will appreciate your feedback.

You cant open an account with a Kenyan bank when you're not a resident/citizen.
The same way a Kenyan cannot open an account with a Nigerian bank.


Investment / Re: Treasury Bills In Nigeria by Cyberknight: 5:25pm On Jul 19, 2021

That was politics. They had reasons to lie. This is different.

Why do you feel they have all the reasons to tell the truth in this case?
They could just be putting their best guess out there.
Investment / Re: Treasury Bills In Nigeria by Cyberknight: 6:23am On Jul 19, 2021

According to the CIA World Factbook

Total population of Nigeria: 219,463,862 (July 2021 est.)

14.862 million Lagos, 4.103 million Kano, 3.649 million Ibadan, 3.464 million ABUJA (capital), 3.171 million Port Harcourt, 1.782 million Benin City (2021)

The CIA uses satellite imagery and other methods to make fairly accurate estimates of population.

But I guess you know better than the CIA.

The CIA also said Iraq had WMD.
As we all know, the same CIA never found any after the Iraq war.

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Investment / Re: Treasury Bills In Nigeria by Cyberknight: 8:39pm On Jul 15, 2021
Oga Emma and the Gurus in the house greetings. I have a personal question and I need suggestions and advice. I have read and still reading about investment in bonds vs real estate.
I inherited my late parents properties, and I am thinking of selling off one of the buildings and plunge into the bonds market. Doing that I will become a tenant which I already am, since I have relocated from the city where the buildings reside. I believe I can raise 25M or more from the sale of any of the two properties.
Both properties generate roughly #1.2M in rental income. When I know I can easily get at least 2M if I invest 20M in bonds.
Of course it makes sense to sell. But, emotions and sentiment are in play here. My relatives will see me as 'Efulefu', who can't go out there to build his own wealth. I'm Igbo and we frown at sons who sells off their inheritance, even if it is to build more wealth from the proceed of the sale. Also, I am worried about this land sale 'curse', since I am not going to invest in another piece of real estate, but instead wants to invest in Bonds.

Na wa.
Better don't sell any of your inherited property since you believe in curses.
Keep it for your own children since you weren't the one who built them.


Travel / Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 5 by Cyberknight: 4:27pm On Jul 13, 2021
I thought I was the only one. The airbnbs I tried booking for just 3-4weeks cost about 2-3months' rent for regular accommodation there.

Yes, this is summer and the lockdowns are over, holiday accommodation is ceiling-high now.
Truth is, it is not easy to rent accommodation from outside the country. Not impossible, just not easy.
In this situation, best advice is for someone to come in first, do the househunting and all that and the rest follow later.

1 Like

Investment / Re: Treasury Bills In Nigeria by Cyberknight: 1:02pm On Jul 13, 2021

Please don’t sell everything o. Keep some just in case. Anything can still happen with all the noise wey we dey hear for this country o. Only God knows. But if by any chance, some people get wetin dem dey clamor for, land for that side go cost die o lipsrsealed

Lol, good point. We're not selling it all, we're keeping some.

As an aside, even though I haven't taken an interest in Biafra (not because I'm fond of the misgoverned and unsustainable mess that is Nigeria at this point, but because I dont think Biafra can be peacefully achieved and I don't think two armed conflicts within two generations is sustainable), maybe I should start to apply self-interest and consider how much I stand to gain if the Imo State capital suddenly becomes the second major city of a new country. grin

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