Dear all, I have been a silent follower of the discussion and I've been able to get this far as a result of the information yout have all shared. Thanks for this.

My application deadline is upon me but I'm in a dilemma. I have finally gotten the required funds but it is in two accounts I have with a bank. I got the funds through gifts from friends and families and some payments I got doing tax returns for clients on an informal arrangement.

Looking at the different sources of the funds, I intended to just get all the money in a single account and get a gift deed...I don't want complex paperwork. My bank agreed to issue a letter as per IRCC guideline. But then if my bank provides the balances of the two account, it would reveal spikes in balances. The main account can be explained with the gift deed, but how do I explain that of the second account?

Should I just get the letter based on one account that can be explained with a gift deed? Will IRCC find out the other account?

Please note that no loans were taken, I just need to understand how to present my POF without suspicion.

I'll appreciate various suggestions from experienced applicants.

Thanks

11. No matter how tough a woman portrays herself to the world there is one big head who makes her melt. Guapo,1885

5

Modified -3 is the correct answer

Chai

Jonathan's camp are expecting a cold defeat. So cold the reaction would be like that of this monkey.

#otuoke #oyoyo

In Ukraine, the shootdown of Malaysia Airlines Flight 17 on July 17 killed all 298 aboard. Wednesday's crash of TransAsia Airways Flight 222 killed 48 in Taiwan, and on Thursday, Air Algerie Flight 5017 crashed in Mali, leaving at least 116 dead.
Then there's the unexplained loss of Malaysia Airlines Flight 370, with 239 aboard, in March.
Different circumstances surround the crashes, but when more than 700 airline passengers and flight crew lose their lives in the span of 138 days, some travelers might be concerned about the global aviation safety net.
They may wonder if, statistically, the skies are getting more dangerous. They may ask themselves whether 2014 is trending toward one of the deadliest years in aviation history. Experts say no, don't be nervous. Just look carefully at the big picture.

The world has been enjoying the safest-ever overall period in aviation history, according to the aviation safety number crunchers. As shown in the chart above, the numbers of yearly aviation deaths and major plane crashes worldwide have been dropping for decades.
Last year, 265 people were killed in flight incidents -- the safest year in aviation since 1945.
This year, the worldwide number of aviation deaths has more than doubled, but it's still relatively low. There have been 761 deaths in 12 commercial aviation accidents in 2014, according to the Aviation Safety Network, one of several organizations that tracks these statistics. Its data — spanning 1946 to the present — include hijackings, sabotage and shootdowns.
With the exception of the 9/11 attacks, it's hard to know whether the loss of three airliners in seven days is unprecedented, said Rudy Quevedo, global program director of Washington's Flight Safety Foundation. Crunching those numbers would “take us some doing and would be very labor-intensive,” he said. “It is a rare event.”
The U.S. hasn't seen a large airliner crash with major loss of life since 2001, when American Airlines Flight 587 slammed into the Queens neighborhood of Belle Harbor, New York, killing 265.
More recently, 49 died in 2006 in the takeoff crash of a regional jet: Comair Flight 5191 in Lexington, Kentucky. In Buffalo, New York, 50 died in another regional plane crash, Colgan Air Flight 3407, in 2009.
Last year's crash landing in San Francisco of Asiana Airlines Flight 214 — a Boeing 777 — resulted in three deaths.


Clearly, the bigger the airplane, the more lives can be lost. In 1972, the worst year on record, there were 55 crashes. The Russian crash of Aeroflot Flight 217 killed 174 people, and 155 were killed in the Spanish crash of a Convair 990 Coronado.
In recent years, the data show, we're having fewer fatal accidents overall, said Quevedo. “It's a perfectly safe system. So while it's an unfortunate tragedy to have these recent three crashes together, it doesn't shock me, because you could go two or three years in a row without having one. It all equals out in the end.”
Measuring the number of crashes or deaths alone doesn't offer an accurate safety snapshot, Quevedo said. You also have to factor in the overall amount of aviation traffic.

To do that, aviation industry trackers monitor total worldwide airport departures by all commercial aircraft. Then they divide the number of annual accidents by that number of departures. The result is called the aviation accident rate.
Last year, the rate was 0.24 out of 1 million departures. That means less than one accident for every 1 million flights.
“That number proves that the chances of being in a fatal aircraft accident are extremely rare,” Quevedo said.
Andrew Charlton, managing director of Aviation Advocacy, a Swiss strategic consulting firm, put it differently: "The single most dangerous part about flying is driving to the airport.”

By Casey Tolan, Thom Patterson and Alicia Johnson, CNN- July 28, 2014

http://edition.cnn.com/interactive/2014/07/travel/aviation-data/

Chart 1: Commercial aviation deaths per year, worldwide

Chart 2: Global commercial crashes since 1946

Chart 3: Ten worst years for crashes / deaths

Chart 4: Ten years with fewest crashes / deaths

Source: Aviation Safety Network

Edygrin:
Lol.. The north should do their worst

You don't wanna see their worst mate.

Yea right! From his family home at Otuoke

How I wish a local kit company would fill that void come December. Or is it too much to ask for?

Good practice by the airline in using another aircraft albeit it was a false alarm.

Fast track to femininity: Why competing with men has left women out of touch with their feminine side

By Anna Pasternak

Recently, the media has been awash with articles suggesting that career women are to relationships what garlic is to a vampire - the kiss of death.

We're unable to sustain meaningful unions, apparently, because men are intimidated by our intellect, threatened by our higher earning potential and turned off by our controlling, capable, yet powerful personalities.

While this has been my personal experience - I was left by the father of my daughter (now nearly five) three years ago when I was the higher earner - I think that the issue goes far deeper.

It is more psychological than sociological.The problem, I believe, is not so much with career women per se, but that women are increasingly out of balance with themselves and, therefore, with men. I know I am.In the past three years of being single, I have been on a handful of dates.

Two years ago I went to dinner with a doctor who told me that I 'wasn't in touch with my femininity' as I 'didn't flirt or wear much make-up'.His diagnosis also included the undeniable fact that I was in 'acute need of affection'.

The last straw came four months ago when I had dinner with a successful, high-profile entrepreneur who literally screamed at me that I was 'so in control it was scary' - although he did backtrack when I dropped my head towards my plate and started sobbing. As well as being hurt, I was shocked and outraged. What, I thought, had become of modern man's chivalry? But later, I grudgingly reasoned, maybe he had a point - what had become of my femininity?

The difficulty for many of today's career women is that in order to compete with men, we've morphed into them. We've worked ourselves half to death in order to conquer the career ladder, yet in the process we've trampled our core femininity into the ground.

Read more;
http://www.dailymail.co.uk/femail/article-1039030/Fast-track-femininity-Why-competing-men-left-women-touch-feminine-side.html

Which kain bobby yansh be dis.

@ op. You don't need to open a thread for it.
I doubt you are one of Jehovah's Witnesses though. Those guys are too modest to advertise themselves. They let their actions and teachings advertise them.
One weird thing that makes me think they are special is due to the fact that they are widely criticised but they hardly feel discouraged. The world views them and their teachings as unpopular. That to me is a positive thing.

plaindealer:


Fully retrofitted and some are already in Lagos...

Cool. Thanks

Anyone knows what happened to the procurement of Canada's TTC trains that are been reconfigured to standard guage in the US? Has the deal been struck off?

I like the fact that these train cars are new though.

Nelson Mandela, the revered South African anti-apartheid icon who spent 27 years in prison, led his country to democracy and became its first black president, died Thursday at home. He was 95.
"He is now resting," said South African President Jacob Zuma. "He is now at peace."
"Our nation has lost its greatest son," he continued. "Our people have lost a father."
A state funeral will be held, and Zuma called for mourners to conduct themselves with "the dignity and respect" that Mandela personified.
"Wherever we are in the country, wherever we are in the world ... let us reaffirm his vision of a society in which none is exploited, oppressed or dispossessed by another," he said as tributes began pouring in from across the world.

Appearances matter — and remember to smile.

This helped me a great deal.

It is said that no one truly knows a nation until one has been inside its jails. A nation should not be judged by how it treats its highest citizens, but its lowest ones.

Overcoming poverty is not a task of charity, it is an act of justice. Like Slavery and Apartheid, poverty is not natural. It is man-made and it can be overcome and eradicated by the actions of human beings. Sometimes it falls on a generation to be great. YOU can be that great generation. Let your greatness blossom.

If you talk to a man in a language he understands, that goes to his head. If you talk to him in his language, that goes to his heart.

As I walked out the door toward the gate that would lead to my freedom, I knew if I didn't leave my bitterness and hatred behind, I'd still be in prison.

Do not judge me by my successes, judge me by how many times I fell down and got back up again.

There is no passion to be found playing small - in settling for a life that is less than the one you are capable of living.

The greatest glory in living
lies not in never falling,
but in rising every time we fall.

I am not a saint, unless you think of a saint as a sinner who keeps on trying.

Lead from the back — and let others believe they are in front.

There is nothing like returning to a place that remains unchanged to find the ways in which you yourself have altered.

No one is born hating another person because of the color of his skin, or his background, or his religion. People must learn to hate, and if they can learn to hate, they can be taught to love, for love comes more naturally to the human heart than its opposite.

Resentment is like drinking poison and then hoping it will kill your enemies.

For to be free is not merely to cast off one's chains, but to live in a way that respects and enhances the freedom of others.