ysteph:
When newmum0615 begin to ask question...then some of us are in trouble...lol
Welldone ma.

slydog:


Hi, I have a masters degree and almost rounding up a doctoral degree all in Nigeria, do I need to submit transcript of my first to third degree?

TONY56:



Assuming there's no penal charges like that of Union Bank, the answer to your question is that you are very likely to lose substantial part of the upfront interest paid to you.

Assuming you bought N1,000,000 TB on 1st Jan at 12% for 364days, your upfront interest before the usual deductions is N120,000.

Also, assuming you terminate on 30th August, the actual interest you will be entitled to for the 243days= 243/364 × N120,000 = N80,109.89.

That means you are to refund N39,890.11 as excess interest received.

Now, the 1m is now to be sold at 18% for the remaining 121days>> the upfront interest payable to the new buyer is 121/364 × N1,000,000 x 18/100 = N59,835.17. That amount (N59,835.17) will equally be charged on you i.e your total refund or deduction from your 1m is now N99,725.28 since you have been paid N120,000 upfront. This is the amount you would lose excluding other normal charges which are very unlikely to be up to the N20,274.72 left out of the N120,000 you received as upfront interest.

So, in a nut shell, you will be losing almost but not all the upfront interest you collected without affecting your principal (assuming there is no penal charge of 25% as it's charged by Union Bank). Otherwise, the penal charge will eat into your Principal amount

coolangel54:
Good morning house. How do I process my IELTS? I went to the site and saw so many confusing codes, I intend using my Zenith account for the process. Also kindly provide a guide on how to raise a bank draft for me. Please help out a sister. I will be writing in Benin hopefully.

SenorFax:
There is nothing like friend zoning when she has a boyfriend. Tell her you want her to give him a little distance.

Will he follow her go her husband house because he be bestie? What nonsense

Guy wise up, imagine how you wanna bang your female friends before or after you meet her, that's exactly what's going on in her bestie's head. Act fast before she's tempted and her feelings grow beyond what she can control. Na sorry go end am. We are all flesh on blood, body no be firewood

Or you no know say na free foods dey sweet pass

Just like Jamb, you are the first choice, and guess who is the second choice?

WEIRDPC:


I do not know about anything like that.The only similar thing to what you have asked is providing details of your activities in the past 10 years. from schooling to working ...

Best wishes

osasyomex18:
Good evening everyone, pls I need advice on Canadian express entry program, I have HND I'm Electrical Electronic Engineering and I have been working in my field for over eight years and my wife master in educational psychology but she has not been working since we got married. If one person has to apply, who should be the best candidate.

Saintp:
With today's draw, it means CIC has harmonized ITA numbers and it is now going to be 2750 each draw. It seems this year will not see low cut offs ooo. Na waa ooo

Congrats to ITA recipients today

coolangel54:
I intend waiting till July because of some reasons
1. This will be my first time attempting the IELTS and I pray it should be the last. I want to clear it all by God's grace. So I intend reading and practicing extensively.
2. NASU is on strike now and I cant get my original certificate and transcript from post-graduate school in UNN. I have my statement of result anyways and it expired last year October because it is valid for one year and boldly written underneath it. What I do most times when using it is to fold that part of it and photocopy.
3. The proof of fund scares the shit out of me. 15,530 Canadian dollars. Hubby and I dont have that kind of money and we are still thinking of what to do. I read here that ITA expires after 90days, so if I am ITA and POF is not within my reach within that period, I will be thrown back into the pool.
4. I am the only one writing the IELTS and sending my result to WES. Reason being cash.
These are my challenges. We are only trying to stall time in other to avoid unnecessary expenses and waste of resources.
PLEASE IF ANY ONE HAS AN IDEA OF HOW I CAN GET MY TRANSCRIPT AND ORIGINAL CERTIFICATE FROM UNN, DO WELL TO LET ME KNOW. ALSO, HOW TO GENERATE 15,530 Canadian dollars WITHIN THE SHORTEST POSSIBLE TIME SHOULD ALSO LET ME KNOW. I am based in Asaba, Delta State. THANK YOU

coolangel54:
PLEASE ANSWER ME O.. I NEED TESTIMONIES THIS YEAR O PLEASE.... YOUR ADVICE IS NEEDED

Kontagious:
The six weeks is not entirely true, though some applicants experience delays of some sort. Normally, your request should be treated within 3 to 4 weeks.

The Unilag site is actually running but the transcript page is off, if it remains off till (or after) NASU calls off their strike, try get to senate if you can, if not, send a proxy that gets things done.

GlitteringStar:



Kindly find below @Drhopeful's post. She had this "discrepancy" issue too.

hiscules:
Hello, my spouse had applied for a student visa before , but his job role was mixed up. He applied using[b] banker[/b] as his profession but on the marriage certificate it is written as teacher, although he did not submit the certificate when he applied.

Now am the PA ,Should we do an affidavit to point it out/correct it or just ignore it? would it pose a delay or rejection for us?

cc:glitteringstar, newmum0615 et all

nwachivis:


We are into freight and all our vehicles (Trucks and Tippers included) and drivers are under my span of control.... I regulate their fuel consumptions,track their movements and oversee the maintenance and repair of our vehicles....

In discharging my duties, I have to walk into the office of my ex to get fund, and reconcile previous accounts..

haylegbede1:


Yu have been thinkin you have or yu have?
Which one?


Well the thing is simple, call your stockbroker!

IHelp:


FGN SAVINGS BOND
Minimum is 5k
January subscription is still open till friday

https://www.nairaland.com/3658395/fgn-savings-bond

Algbenguze:
These CIC people are beginning to vex me. They must be smoking something. So they make us wait 3 weeks only to still invite just 2750 people again even when they have higher targeted for 2018. It’s like this talk of CIC being unpredictable is getting into their head. Na by force to be unpredictable? SMH.
It’s a little annoying though when some of us don nearly drown finish inside pool waiting for life jacket (ITA); whereas some others just enter pool and catch ITA same day even before their cloth wet. Issokay!
Anyway, Congrats to all ITA recipients; and please, I’m not beefing o. Safe journey from here on!

PNomsule:


Hello mate, seeking and sampling opinions is indeed an adviceable way to not get lost. So many informed opinion on the thread already, mine is rather practical and worth more. I work with a duly registered and licenced Cooperative based in Abuja and offer 5% dividend monthly on any sum fixed with us. In three months, 15%, 6months 30%...
0809 905 2680 for further talks bro.

FrenchWay:
I rather use my money to buy 200 bags of beans from Niger.
Resell in August with almost 100% interest

Godsaves18:
Good morning all, I just ran into this thread and I think it'll help a lot...I intend traveling to Canada before the middle of the year but I have been having issues as regards information on the processes, someone told me that I must have someone over there else I face deportation risk. Please can someone put me through, from Visa application cost here in Nigeria to settling down over there...I will really appreciate as I wanna start preparation in ernest...God bless u all

policy12:


If u are really going as an entrepreneur den u are on a dasttrack because is ur type dey are looking for I will also advice u check tru d PNP dey will grant u fast fast.

Check ur notification again.

johnson11:
Hi Guys- this is my first post on this thread. I have some few questions regarding qualification. I am 34 with a degree . My CRS is hovering around 395 and i need an extra qualification to boast it. I have exhausted all other means

My questions are:

Does Canadian online courses count for any point. I am thinking of doing an online certification course . I've found couple of Universities in Canada but, want to be sure before wasting money on it?

Which one should i do ; Diploma or a year certificate?

I am kind of desperate right now due to my age as my score will drop again in August ,2018.

Will WEC/ IRCC accept a year certificate from Damelin or other colleges in South Africa ( i'm based in SA) if i decided to take the course in SA?

Please guys any advise will be highly appreciated now. i am confused on what to do!

uboma:




this is not entirely true.


Toyota Camry 1999/2000 model has the fuel gauge and the nozzle and hosepipe pointing to the right but in reality the fuel tank cap is on the opposite side.

Canadaissure2018:
I have been following as a guest since Part 2 and I have read the entire 118 pages of part 3.My ECA is near completion and I'm also preparing for IELTS.I really appreciate all those reeling out their experienced comments on the thread.I've learnt and I'm still learning.God bless u all.

Please I need an advice on something very personal about my spouse which will be instrumental to the application.I'm planning to be the PA because by calculation I will earn more points than him(age,qualification,projection of an excellent IELTS score etc.)

@kontagious, @glitteringstar, @cochtrane, @vcole , @boldinc, @threadstone , @40manlappy and other respectful elders I didn't mention please can I PM u? Thank you.