₦airaland Forum

owenizes: congratz...

thanks

BaaleofMontreal: congrats sir, trv loading

Thanks Baale. Amen

@chizzy, congrats on the safe arrival of ur niece and nephews.

@frosti, so sorry bro.pls list out ur docs for d gurus in d house to peruse and suggest d way forward.

To all med n TRV hopefuls, our wait won't b in vain in Jesus' name

Hi guys,

Good news!!!!!!!!!!! I have just been called for medicals

BadmanBoss: Hello House, I did my biometrics on 25th June via online route, when can I expect feedback for medicals and still meet up for resumption for September 2nd

When did u apply? U should b expecting feedback in about a month from date of app for medical call

lassky: don't know what to do

Call ur bank customer care to confirm that the card or the account is in order

Hassan0007: Hey guys am new hear pls I need u guys assistant I submitted my application on june 2 and I am yet to receive it and also d skool is resuming on september pls what can I do

Which route did you apply through? Online or paper?

oghos2k: Hi all, I am trying to apply for a study permit, I only got a softcopy of my offer letter and still waiting for the hardcopy to be recieved. I am currently uploading documents on the CIC websites for the online application method. I'm just wondering if I am requested to come for biometrics and i still havent gotten the hardcopy, will it matter?

Use the softcopy you have,it doesn't matter. You have to apply quickly cos time is short

oladunwo: Plz is it compulsory to have a supervisor before applying @ mun?

Depends on the program. Am going For MBA and I did not need that

Kindly update ur list:

I applied via online route on 6th of June,heading to MUN

Happy to be able to post on NL again.Howdy y'all? TGif

Oyetezee: I need information on Test centers in Lagos for GMAT and the best way to register for the exam. the only test center sited by the GMAT site for Nigeria is ABJ.

Anyone with information should kindly assist.

hi Oyetezee, seems we are in the same boat. Are you going for an MBA? Please which schools did you apply or intend to apply? I have applied to MUN, but I want two more affordable schools to boost my chances of quick acceptance. Also, when do you intend to sit for the Gmat? Do you have study packs? I have decided to go to abuja since I didnt get any response here, looking at 23rd January for the exam.please send me your email let us rub minds oh, I must pass this test at one sitting.cheers

Beulah Hephziba: I am a lady Oga Fhemmmy. I will like you to read Bonne, Oga Siga and mine post without sentiment and compare notes with yours. I do not dispute with Oga siga, I only disagree based on experience, this advice might not be ideal for everyone, but as a mother with cool cash and God on my side I will not use my children as home ties come what may. I value children than study permit. Thanks

It is very obvious that you are very passionate about your kids, everyone is. I am a mother of three kids,but let us put sentiments aside. These guys are right,applying with these kids would need a very strong SOA to show that she can cater for the kids and also afford a nanny,cos Canada I believe is like AMerica,and because she would be attending lectures,who would look after them while she is in school? Remember she isn't expected to leave them all by themselves at this age. Secondly, they would serve as home ties. After six months she can still invite them for hols and from there change their status,they start schooling there.
We are looking at best chances of getting the trv, as for me, as much as I love my kids,my eye is on the prize.Once I apply alone and get my trv, then getting the kids over to join me is piece of cake,it would only be a matter of six months.

greatheights: Try https://www.notefull.com/ and dwnload their videos on each sections, wrks pretty well for TOEFL, shd do for IELTS too.

Happy new year all,
Please help a sister in urgent need oh, show me how I can also pass my GMAT at one sitting ie study materials,videos and links etc. I intend writing before the month ends and I no get 200k to dash these study centres that offer tutorials for just once a week for 6weeks.I also tried to register for the exam and realised on the www.mba.com only Abuja is a test center in Nigeria? Isn't there a Lagos test center?please I need answers urgently...thanks

have used:

Diamonds and emeralds by Elizabeth Taylor
be delicious by DKNY
romance by Ralph Lauren
fantasy by Britney Spears
believe by Britney Spears
5th avenue by Elizabeth ARden
green tea by ELizabeth Arden

currently using:

Violet Blonde by Tom Ford
Pink chiffon, forever midnight (Bath and body works)
*cant remember the name* by Jessica Simpson
Se*xual (cant also remember the name, i think he is french) will check the names when i get home...lol

have tried fantasy products years ago, they were very good for a student budget for someone who likes to smell good

In the absence of financial irresponsibility, I do not see anything wrong with having unrestricted access to bank accounts/finances. What is this money money money people are so protective about? the same money that you will leave behind when you go six feet under and by then, you would not have control over who spends it and how....

Two years ago, when I wanted to travel abroad to have a baby, because I was going to be away for a while,out of my own volition,I transferred all my cash to our joint account and changed the mandate to 'ANY CAN SIGN'. Meaning that if he decided to clear the account while I was away, he could. I really don't care.

[quote author=seeprob]I applied for a candian visa for a short vacation with my wife and infant daugther in November 2013. our date of travel is in march 2014 as i stated in my application. i hve been to uk 3x and spent last yr xmas with my wife in the uk. i work with a drilling org (rig) and earn 544k (net pay). i hve 1.4+m in my statement when i applied with a statemet of our trip expenses/budget including ticket,meals,junks(micdonald),local transport, hotel accomodation, shopping, liesures(cinemas and similar) and emergency fund (340 CAD) all amounted to 10,100 CAD. In less than 4 weeks i was informed that my application is ready for collection as against the 185 processing days stated on thier website. my worries are
1. the time frame for processing is short (worried about the outcome
2. will my account balance be a problem....even though in my trip/budget statement i stated i will recieve my 13th month in november,leave in lieu, leave allowance,christmas bonus all amounting to 3+million by december.

what do you guys think. i read about medicals and all that before visa issue....but no notice of medical in my case (may be for student?)[/quot..e]

you do not require medicals for a visit visa. Have faith bro, it is well

Thank God for the mighty deliverance of your parents. Indeed, all is well that ends well. Merry Christmas

miss bon: Finally I DON PORT, switie prepare for my arrival oo

Congrats dearie!!!!!so happy for you

abbakacici: i did during my nysc in 2011, it take to like 6 months to get ready, i used a lot of youtube videos and practice with my feds one has like 620 and the other 705

Wow! That's some work there! Na to begin burn midnight candle and do vigil for the next 3weeks be that. Thanks man

Noble.G:
My advice: Fix it in the First Bank. It is the most trusted bank in Nigeria and the oldest (1894) in Africa.
It has branches in; UK, France, Democratic Republic of the Congo, China, UAE, South Africa, Ghana, Guinea, Gambia and Sierra Leone. The only bank in Nigeria if not in Africa that has this much branches outside their border.

First bank is a reasoned bank that survived numerous tough Nigerian economic problems. It may not have the highest interest rates but it's the most stable and the richest bank in Nigeria. As of June 2013, the bank had assets totaling approximately US$21.3 billion (NGN:3.336 trillion).

So if you need a bank in Nigeria that's most trusted and stable, where you could deposit your money for years and be able to sleep at night, then go for First Bank.

Oga,read the question. Poster said investment outside bank. Or first bank is no longer a bank

abbakacici: i was planing on doing my PHD, in finance, banking or accounting , my first degree was not that greet just 2.2 but my masters result based on my first semester result is looking ok not great, like 4.2/5 and i like to keep it, so i am to paid my tuition fees my self ( non funding) what are my chances of getting admission with like 4-4.5/5 masters, partial though with my ACCA, with like 3 years working experience including NYSC without any major publication may be my master thesis and gmat score of 700, if i can get into good school i do not mind funding the program myself, do i have a shoot or i should just look elsewhere because i try checking some few university the competition is very tough like University of British Columbia, Sauder School of Business, have PHD in finance of competition is very high, most of the ten student they admitted this year have first class in both degree and masters with like 3.8/4 did internship in places like J.P morgan and Royal Bank of Canada, help some charity organisation etc, the only thing we have in common is our GMAT score with the class average being like 650 and i have 700.
so please what are my chances , please tell me the true if i have less chance because i don't want to waste like 1-2 months of my life, going though school websites, write personal statement, etc

please when did you do your GMAt? How long did you prepare for it before you took the exam? I intend to register for next month...

Before you invest, ask yourself two crucial questions:
1. Is it long term?
2. What is the level of risk I am ready to take?

Like the saying goes, the higher the risk, the higher the profit. However, if you are risk averse, and you still want to make a good return, with guarantee of your principal, then you should buy treasury bills, these are in 91 day, 182 day and 364 day tenors respectively. they are very secure because this is how Federal Govt mops up excess cash from the economy. They sell t-bills via Central Bank who does the auction. To invest in t-bills, you can just walk up to any bank and tell them you want to invest in t-bills, you would be given a form to fill and you would state the amount (minimum of 100k) cos you are buying in the primary market. the returns are better than fixed deposits and safer too.

Treasury Bills (Nigerian Treasury Bills-NTBs)
These are short term debt instrument issued by the Central Bank of Nigeria (CBN) on behalf of the Federal Government to finance local debt. They are zero-coupon securities. Because it is guaranteed by the Federal Government of Nigeria, it attracts lower returns. T-bill rates serve as a benchmark for short-term rates in the economy. T-bills can be bought from primary and secondary markets. The minimum amount that can be bought at the secondary markets is N250mm. The primary market offers investors with below N250mm opportunity to invest in Tbills as the minimum amount in an auction is N100,000 and multiple of 1,000 thereafter

Tenor
Typical tenors are three-month (91 days), six-month (182) and one-year maturities (364);

Auction dates
Primary T-bills auction takes place every fortnight

The second you can consider is Federal Government Bonds. these are long term investments that are also with very good yield (i.e when you compare with fixed deposit rates). They are also very secure because the debtor here is Fed Govt. Unlike t-bills, you cannot just invest in bonds except there is an offer issued from the Debt MAnagement Office of the Central Bank, and it is usually advertised in the dailies for investors who are interested and the tenors are 3yr,5r,7yrs (I am not very certain, will confirm this)

The third you can invest in is mutual funds.Mutual Funds are financial instruments that allow a group of investors to pool their monies with a predetermined investment objective.Mutual Funds invest in a variety of stocks, bonds, money market instruments or other securities in line with the objective of the fund. These are handled by Fund Managers or Asset MAnagers. the rate of return is also good depending on the type of mutual fund and ranges from short term to medium term.

please note: this is basically for those who are risk averse and are looking for something a bit higher than fixed deposit with commercial banks.

@nissparts, I finally settled for the Nissan maxima and I loooooove the car....its a beast on the road

Anointed111: Done and dusted!!!!!!!!!!!!!!!!!! Trv fully loaded....hehehehehehe GOD aint sleeping

big congrats! I tap from ur faith and miracle

ChriGo: ....for real?...just collected my GTB card now and on the letter attached with it I saw N1000 deduction charges for every ATM transactions made outside Nigeria ....hmmm!!!....all of una just dey play person like football.....na until I show dia confirm am myself before I go believe all of una ......lol....

All bank charges are now uniform as mandated by CBN since April 1st this year, so any bank card used for atm withdrawal outside naija is N240, anything more than that pls feel free to report the erring bank to CBN....

ceo mr ca$h:
hello guys......please is there anyone coming to MUN or St. john's and looking for an accommodation. i got a 4bedrooms flat and looking for jst only two more students to fill in the oda rooms. and the good thing about it is that the house is 5MINS WALK to school and very OVER affordable. if ur interested contact mi as soon as possible. CONTACT : jollyswager@yahoo.com.

PS : only for the serious minded.......welcome to St. john's!

I am very interested though I am a fall 2014 applicant for MUN, so please keep me in mind

CS is always a last resort. It should not be the first option especially if labour is progressing normally and there are no complications in the process. Even in the Western world, it is supposed to be a last option. Just that some mothers are overly anxious, they wanna have their babies at a particular date, the doctors also do not want to waste time cos natural birth takes longer time compared to CS, so they wanna get the procedure done and move on to other duties. Research still shows that a natural uncomplicated delivery method is the safest. CS is still a major surgery, the woman loses more blood in the process, so there is more likelihood of getting transfused...there are still several other issues. Apparently, its advantage is that the baby's head shape isnt altered cos it didnt pass through the birth canal but for the mother, she gets to deal with issues of complications sometimes after delivery, pains and stitches in this part of the world (naija). And yes, people still die from CS.

in no particular order:

1. Desperate housewives
2. Everybody hates Chris
3. Prison Break
4. 24
5. Meet the Browns
6. Tyler Perry House of Payne
7. Dirty Sexy Money

@silicon,
sorry for the denial, but from docs you submitted, it seems you omitted something very important- statement of purpose.....

hi All,

Just wanna start by appreciating all the contributors on this topic, you have given invaluable insights on how to apply successfully to gain admission, gain TRV as well as integrate into the Canadian system successfully. I really wasnt able to go through all the posts and chapters, but the ones i went through gave me boost of morale and motivation to start my application.

I intend to pursue an MBA, have applied to MUN for fall 2014. Now I intend to register for GMAt because it is a requirement (minimum score 550) and because we have just two centers in Naija which is lag and abj, I am looking at doing it in January 2014 (work and family responsibilities). I am also hoping I pass at one sitting considering the costs and inconvenience of having to fly to lag or abj more than once for an exam, and also knowing that it takes 3weeks for the official test score to get to the school. My question to fellow experienced NLders that have done the GMAt is, How long did you prepare for it?did you really register with a tutor? Was the free sample questions downloaded from the mba website sufficient to pass the exam? i do not want to gamble with this opportunity because right now, I have started seeing Canada in my dreams already..lol

I would appreciate your responses to this to enable me make my decision on when to take the test.

many thanks y'all

Pls call 08079763794 if interested. Pictures are too large so I suggest you drop your email so I can forward the pictures