₦airaland Forum

TradeSunMoore:
On the 2 occassions I applied for my under aged child I ticked yes. IRCC will include IMM 5476e as part of document you will fill and upload. Remember to select your representative is uncompensated and is a friend or family member under item 6.

However, if you doing for an adult you can just ticket NO as said before.

Thanks very much

mikeapollo:
That is ''government robbery''

Lol or Pen Robber

WriterrNg:
⚡Kim unveils 'the most powerful nuke' system easily capable of hitting all US mainland.

The question is not about getting to US mainland.
It is about how many do they have that is enough to totally destroy US?
How many would be intercepted midair before getting to US? Because definitely, many won't hit.

Sheron50:
No, choose “No” for “Use of Representative” you’re just helping, not acting as an agent.
Yes, your bank statement is fine as proof of funds; just include a short support letter stating you’ll cover her expenses. However, with no previous travel history and her current profile , the chances of visa approval are quite low, as Canada has recently tightened visitor visa policies.

Also, if I am filling the form for my son of 10 years, will I click No for use of representative too? Is a kid of 10 not too young to fill a form by himself? Likewise a kid of 5

Sheron50:
No, choose “No” for “Use of Representative” you’re just helping, not acting as an agent.
Yes, your bank statement is fine as proof of funds; just include a short support letter stating you’ll cover her expenses. However, with no previous travel history and her current profile , the chances of visa approval are quite low, as Canada has recently tightened visitor visa policies.

Thanks for the reply, I appreciate.
About the chances of getting the visa been low, I understand.
I also have a list of countries as backup we will process for holiday.
I am looking at UK, south Africa or Rwanda as backups

WriterrNg:
The US will invade Venezuela after the FIFA World Cup next year.

Who wants to bet?

Why wait till next year when they have all the war ships and plane around her already?

Ixodes:
Oh I am so sorry for this. I think the major reason why you were denied is not stating clearly your source of fund even though large enough. I am saying this from experience as I got a visa approval today. I applied 4th September did biometrics 8th September. I used my savings account as POF Wic I transferred 15m into a week before application making 17m in total.
Few days back I asked a question on this forum if I can send additional documents through web form to explain source of funds but no one responded but I did anyway on the 22nd September and got a message on 26th that they recieved them.
I am a first time applicant, I applied before stumbling on this forum and realized my supporting documents were insufficient…had to send more documents through the web form twice within the waiting period.

Hello bro.
I am applying for my wife from my account for a tourist visa, should i choose Yes in the "use of representative column"? since i am the one filling the forms for her.
Also, can i use my bank statement alone as proof of funds since she is a homemaker or she has to have some money in her account?
Thanks

MY ADVICE TO MEN IS THIS " LEARN TO LET GO", then everything will be under control.

If she says “He’s just a friend,” he’s not.

Men don’t orbit women they aren’t attracted to.

You know this. She knows this.

She just hopes you’re too blind to say anything.

Gerrard59:
I see a crash or dip if Tinubu loses. But should he win (he would anyway), the stock market will soar higher.

P.S. Tinubu would rather commit suicide than lose come 2027.

Majorly21:
Have you travelled out of Nigeria before? Who told you that you don't need a visa to Ghana or any other west africa countries? Unless you're not using borders.

Lol.
Have heard

oluomoadebayo:
Venezuelans can go to Europe or are they in the same continent too?

I just highlighted the fact that a Nigerian can go to Ghana and many west African countries, visa on arrival for many east African and central African countries which an European or American can't.
Europe is a totally different scenario

tensazangetsu20:
Having a Nigerian passport is the greatest curse ever. My gf and I are planning to travel to Brazil this December. My gf doesn’t need a visa I do so I applied early. I reached the Brazilian consulate today and immediately I turned in my passport. The guy looked at it suspiciously then went back inside and came out and said that Nigerians are in a special category and that their government has sent notifications to all Brazilian consulates worldwide that for Nigerian nationals the visa has to come from Brazil itself and not from a consulate. They told me they will have to hold on to my passport for another 2 weeks before they decide if they give me the visa or not.

Life is not all about money if you have the opportunity, please try and give your children another nationality. Venezuela has no diplomatic relationships with the USA but Venezuelan citizens get 10 years multiple entry visa. Nigerians get 3 months. There’s no even USA embassy in Venezuela at the moment but they even have more rights than us. I am using Venezuelan as an example because it’s the worst country in South America but Venezuelan citizens can travel to 120 countries visa free.

Venezuelans don't need Brazil visa because they are both Latinos and in the same continent.
It is just the way a Nigerian will go to Ghana without visa but a British/US/German passport holder staying in Nigeria going with him to Ghana will have to apply for visa.
About scrutinizing Nigerians before issuing visas- that is due to huge cocaine traffickers stressing the Brazilian goverment. It is a cocaine trafficking busy route and Nigerians are much in this business

Disruption happens very fast

There is an unspoken truth about this Black Tax and that is, it is designed for the Principal to continuously slave away for others.
No one will admit it, many won't speak about it but it is there.
Reason why family will be codedly annoyed with you if you by that car, go on that vacation just to take a break from long years of billing to cool off, build that sweet fine house etc.
To them, why will the slave do that when there are so many family members still poor and need help.
Is he that blind? Can't he see Jide his cousin is out of school, uncle wale has been evicted from his apartment because he couldn't pay his rent, mum segun is in hospital and needs money etc
Of all the things on ground, it is that kind of car he went to go and buy when he could have gotten something small so that he can clear all these bills on ground.
Why is he so heartless.
I have been grumbling for months in his ears about how to roof my house and these are the things he is doing?
So many things to pour out honestly.
The Black tax is designed for you to live a life of penury at the expense of pulling others up because some people have decided to live a reckless and unplanned life with the hope a family member will cover their flanks

Traveller2025:
My own mother was the one that woke me up!!
Every decision i made was centered around them, I earned well but I couldn't even eat fine because I put them first. She boldly said to me that other people do better than me and what have I done sef. She never appreciated anything I did it was like she intentionally showed no appreciation in order to make me do more. Lol
Nobody told me I had to learn the hard way when her words kept ringing in my head even when I am not with them. Now na by connection to even speak with me for phone. If I give 100k best believe I have kept 1m for myself. I take care of me first...

It is that statement "what have you achieved? Others earning lesser are doing better than you OR what did you even do for us?"
Humans are generally ungrateful.
They will drain the last juice out of your soul and when they are finished with you, they will spit you out.
I am the first born and the breadwinner of the family too and constantly supporting the family for years has really dragged me down.
It got to a point, despite me earning well, my apartment just looked shaby like a teacher's house when those in civil service have better furnished rooms and houses than mine.
Clothes I no get, nice apartment I no get, drinking/clubbing/fornicating I wasn't doing, oya eat good food... Mbah despite earning well all because of family pressure.
The most painful part is even that those you have sacrificed so much for still didn't break even nor still able to stand fully on their own thereby wasting your efforts for years and making it look as if you never supported the family since your effort didn't yield any benefits.
It is very obvious that to push some people to properly stand on their own, you will need millions and millions of naira to really push them to that height of which by that time, you sef don gas up, broke and back to ground.
This African policy in a bid to raise more financially stable Africans has produced far more poor people sef

shoodboi2:
Listen to the clowns. This right here is the reason many people condemn capitalism, or specifically, the super-greedy ultra-capitalism we have in the US and EU. Why in the world does a person need to work until 73? By the time they are 73, what is left?

Germany can as well increase it to 80 or 100 so Germans know they have to work for a lifetime. Because it is very clear that they have no pension to pay and want to work their citizens to death. If Germans have been contributing to their pensions, then the German government should give it to them.

Honestly bro, it seems the country is broke and looking for loopholes not to pay many things.
We have been saying it that the western world has been living in bubbles for years. Spending money they don't have nor living the life they can't afford to live.
The best solution is to attack and dissolve all perceived strong enemies like china, Russia so that any hanky panky laws or rules they bring out to hoodwink other countries won't be challenged thereby allowing them to continue this system unchallenged.
If it will require me to work till 73 years before I access my pension, then it is as good as just giving me that money each month I work make I dey chop am make I know say na me dey chop am, I no save.
Another implication is that unemployment already at all time high will increase because people who needs to leave the job for younger ones would be forced to sit and work for more 10 years. Extra 10 years of no space to takeover and work.
Also, the whole pension of a thing is best when you retire at 50 or 55 most so that you will still be in good health to enjoy the benefit f your labor.
You can travel occasionally to meet family and friends etc
What is there to do again in 70plus? When you are washed up

WriterrNg:
⚡Germany has proposed raising the retirement age to 73 to prevent the collapse of the pension system, per Reuters

This is daylight scam and robbery.
How many of the workers would be alive to eat the savings they have been making in the pension right from the day they started working if age is raised to 73.
Over 60% of the workers would have died by then and the remaining 40% may likely just live 10 years more just to take 10 years savings from a possible 40/45 years work and savings.
So invariably, they have worked, laboured for years for free for politicians/thieves to eat their labor.
Over the years of working, you eat their tax and now stylishly eating their pensions join.
Armed Robbers

ZUBY77:
This AFCON and it's timing is very bad for me. I am not sure I will go there until maybe after New year.
but we wait and see

Yes, the timing is bad especially for x-mas/new year festive period.
I am also going after new year.

ZUBY77:
Na.. Maybe on TikTok page.
I don't post picture here.
sorry about that

Oga Zubby, i dey follow you bumpa to bumpa for morocco this time around ooo.
I hope we will meet there.
I have my visa and flight ticket already

drkay:
This is the story of many hardworking young and middle age adults from low and middle class families.
It’s so much entrenched into our culture and societal norms that we need to lend a helping hand to in the family, who’s not doing so well.
Sometimes, it’s a thing of joy that we’re able to help our brothers and sisters,[b] pulling ourselves out of poverty. [/b]But this soon becomes very tiring and difficult to sustain.
It’s one of the few things that I gave up on. Parents are weak and can really play a very bad role when it comes to this, making things more difficult. Anyways. We do what we can do and leave what we can’t.

@ the first bolded ..... is this really true? they system as returned more helpers into poverty than it has raised out of poverty. We have so many stories of regrets of helpers who were so pre-occupied with trying to lift others up while they finally drown in the sea of poverty themselves.

Sayvick:
Don't you worry, it will soon be your turn. Because the whites don't do it means it is wrong in Africa.

It sounds like a good write-up to you, but you're completely wrong.

The whites have social net for every cadre of their citizens. If you are out of job, if you are sick, if you are old.

Africa has none, our family system is our social net, but you won't understand yet.

Grow a little more.

@ the bolded .....while it is good, it is not sustainable nor good enough in today's economic climate.
The question is, how much will family and friends be able to give you if you are out of job to sustain and float you back? most times not enough. Person wey give you 50k today, you don't expect to come back in 2/3 months time.
If family gather money and send to your wife as medical bill to support maybe 200k when hospital says you should deposit 500k, don't expect any from them again because they all have bills to pay.
You are old? how long do you expect them to keep feeding you?
The best system still remains to have as low kids as you can, both husband and wife working, enrole in insurance and pension as a better safety net option.
For example, i have a life insurance of 20k per month i am running. If something happens to me, they give my wife 12m. That is far far better than what family will give her as contribution, maybe 300k. You don't need to do that much. For a low income earner, a 5k life insurance will go alongway for them too, that should be about 3m.
Education insurance? for your kids incase the principal dies. It own't keep them out of school nor put the burden on extended family who may not continue the education or put them in local govt. schools.
A 5k eduinsurance will give your wife 250k yearly support for a kid and a lumpsum of 2.5m after 10 years to help run the child in govt uni in absence of principal.
Health insurance ? 60k per year for a family of 5 is okay for NHIS but you have to use it in govt hospitals and health centers for the low income earners instead of burdening struggling extended family.
Middle income earners can go for 230k for private HMOs like axa mansard and others that you can use for private hospitals.
It is all about awareness, careful planning and dedication.
Pension? a 20k per month pension between both partners over a 30 years period will give 70m naira if you start working in 30 and retires 60 years.
For a low income earner, that is a huge money. Withdraw that 70m pension and lock in a bond at 20% per annum, that person will be getting 1.2m every blessed month.
It is all about awareness bro.
This system is far better than relying on family safety net that is not sustainable

Datedoboy:
The major problem is that there is no proper care and continuous, reasonable monthly financial assistance for aged people in Africa. Once you're old, no African Government has a plan for you unlike Europe where you have homes for aged people. In fact many young people who japa, go to take care of aged people abroad while neglecting their parents. The issue is that, a parent that has taken care of you while you were young, will likely depend on you when old because the Government did not take care of them. If Government refuse to take care of our aged parents, and we refuse, who will take care of them? This is why politicians steal much because there are no systems to take care of them when they grow old and they refuse to set up such systems. The monster in the room is the slave wage and lack of care facilities for aged people. If you manage 3k to feed daily and we have 30 days in a month which equates to 90k asides transport and rent, and minimum wage is 70k, what does that tell you? 1. That there is a deliberate creation of poverty. 2. That people will steal more to survive and 3.people will suffer in old age because the Government has deliberately ensured that they don't save for their future. Least I forget, the passport which is your identity is now higher than the minimum wage and next year, inside that slave wage you will be taxed. Prepare for dark days ahead. Blame the Government not your poor parents

Let us stop pushing the blames all the time down the road to government.
No matter how we dress it, Parents have a sizeable role in Poverty continuation.
If your earnings is 70k per month, then IF you are going to marry, you will have to marry a working woman.
You shouldn't birth MORE than 1 kid....NO EXCUSES for this.
Pull resources with your wife to have alternative source of income.
Save and invest it over time and you are expected to be far better in future to were you started from.

Again, the african culture encourages irresponsibility.
We see this happen everytime and think it is normal but these are what leads to future black taxes.
A man will buy cat/dog/chickens he can not afford to raise rather open them to the street to be eating up and down and fending for themselves (something similar to birthing kids you can't raise and allowing them to eat up and down the street), if you question him while he didn't cage and feed the animals he claimed to like raising aka i like pets, they will become aggressive and say who are you to tell them what to do with their own life.
A man who doesn't care about raising his pets in a cage and feeding them is similar to those raising kids they can't afford to have.
In the long run, the black tax will come up

A man will give birth to many kids he can't afford to train by himself rather go give each to Oga Chinedu, Oga Ememka as sales boy/apprentice. The feeding, clothing etc of such child is not on the father again because someone else is picking up his slacks and covering his shames/irresponsibility while he hopes the child becomes rich and he can survive on him.
The female children? they pray a man rich enough comes for her hand so that they can use her as their own life insurance and leverage.
Black tax comes from the mentality that you are paying today for a tomorrow insurance just as someone paid yesterday for you.
A man dies in your village/town and your mother called you to send money as a quota for your family because others contributed to take your father from lagos to village to bury, they contributed to his medical bills in hospital and his burial.
E reach your turn to dey pay, you say you wan scatter the system.

In the african setting, been irresponsible is accomodated and allowed reason while so many people who are not responsible could be able to marry and procreate without worrying about the blow-back.
A man marry and has several kids without any plans for them. He doesn't care how they survive. He wakes up, drops whatever he can to the woman while she provides the food the way and manner. The kids go out in the morning and comes back in the evening playing around and eating from houses to houses and this is how they will live till they grow and miracoulously, 1 out of many will breakthrough and virtually all the village/area will be looking up to him for years of raising him as a payback.
Iya biliki expecting handout from Bayo that just came back from spain who they had is now a footballer - Ohh, na me they give am afternoon food when him dey small they play ball around then.
The neighbours, church, extended family, friends would all be expecting handouts of various sizes from Bayo due to one favour or the other they had done in his life during the growing phase.
The question is, how many can Bayo really help? before runs out of gas himself

The bitter truth is that on the average, only a handful of humans can survive INDEPENDENTLY without external support whether western culture or other culture.
It is either the goverment (insurance/welfare etc) is cleaning up most people's mess or the family (black tax) is. A safety net template/model should be available else chaos will erupt.
The problem with african template is that if a proper system is not put in place to checkmate alot of excesses, it encourages Laziness, everlasting oppressive dependance, entitlement, irresponsibility etc

In african setting, it is more of i rub your back now so that you can rub my back tomorrow but then, the question is for how long and how many people will i rub their backs?

This topic is a very emotional one and a very dicey one at that.
I will write a lengthy explanation on it and may break it into many commet section in other not to bore too much.
Firstly, we need to study the african culture and tradition because if we don't know where we are coming from, we won't know why we do things as we do currently.
Prior to now, the african tradition and culture was modelled on survival by watching each others back which stands as an INSURANCE for everyone involved.
In the absence of government and a monachy system that doesn't cater for individual survival, the african traditional model becomes the template of survival.
It is like pooling resources together to finance one person with the hope they suceed to pull someone up too and the chain reaction continues.

Michaeltreasure:
Can the wives of Hitler, De Gaul, or Churchill slap them right in public? Only God knows how many slaps Macron receives from his wife on a daily basis.

Gerrard59:
- Oil prices were high during OBJ and GEJ times. A high oil price leads to a strong naira. The same in Ghana as gold prices have soared. The cedis gets stronger. Gold and cocoa prices have ballooned in the past year. The cedis is bound to be strong. However, Nigeria does not need a strong naira. Also, except there is a global war, oil is not hitting $150 anytime soon.
- OBJ greatly reduced our debts.
- Jonathan initiated reforms in the economy.
- Buhari (worse than Abacha) allowed wanton oil theft such that we could not meet OPEC quota.
- Buhari squandered the money left by GEJ
- Buhari borrowed and borrowed and even used future oil sales (remember we weren't meeting OPEC quotas) as collateral for more loans
- We spent a lot of borrowed money to refinance our debts and defend a weak naira.
- Buhari allowed his marauding brothers to wreck havoc on Nigerians, their communities and investments
- ...and many more atrocities by him.

I did not, nor did my parents, campaign and vote for Buhari in 2015 (see my signature). My question for Tinubu and his supporters is, why did they support such an incompetent man whose incompetence was glaring?

It is the easiest and shortest route for Tinubu to become president.