₦airaland Forum

@All

Please let's not derail this thread again. If someone scammed you or contacted you privately then provide the evidence here or zip it. If you can't support your allegation with evidence then stop derailing this thread with this unfounded allegation.

charles12745:
This was the email he sent.... we went to whatsapp and that was when he requested for money

Can you share the WhatsApp number here?

charles12745:
This Ayomide guy sent me an email requesting for money to share CAS shield credibility questions which he might not even have.....This platform is here to help people and not extort money... Please lets be careful...people here have dropped VISA interview questions, even screenshot of VISA document request mai, while some other experienced people have answered them.. I wonder why someone will be disguising to be a student whereas, he might be a scammer.

Thanks for bringing this here, will look into it when I get home, at work at the moment

jedisco:
Lol... your pikin kwa. Moreso something that can have a term limit.

There's no convincing you on this. Insurance no go chop your money

lol.. no comment

Mcleo007:
Does that still apply, even if it involves family?

Trust only yourself...money changes people , there are so many ways to look after family without life insurance.. and to answer your question..Yes

ehizario2012:
Thank you. While I agree uncertainty and risk is an integral part of investing (pension) in this case it seems very very significant. Out of a group of Nigerian friends in the NHS trust, I'm the only one still left on it.

You may have the last laugh at the end..if you can afford not to opted out i suggest to carry on..carrying on

jedisco:
Interesting...its usually a nice bedrock when it works. It doesn't bring back the dead but gives their offspring a good headstart

Yup...the living gets richer the moment you are 6fit down under...basically you dying is someone's prayer point ....

@AbelAbdul

Take a break from this section, enough of shouting of scammer without providing a single evidence to back it up

Badadvisor:
You're a scammer lol, you've been exposed multiple times on this platform.

I need an evidence , i have been asking for this but nobody cares to provide one, all i keep hearing here is scammer scammer and more shout of scammer

Worryingly:
Hi guys,

I've been admitted for MRes at University of Bath. And I plan to travel with my spouse and 3yr old son.

I dont even know where to start for the visa application. An agent was recommended for me.

Please I need all the assistance I can get.

Cheers

Avoid agent else you will ruin your application, there are trillion of info available here for visa application, even AI can guide you through the process.

Lexusgs430:
Are you sure a non sale clause disclosure might not be in the agreement...... 😁😂

I doubt, even if that is in place it will not hold longer than 6months then I will get rid of it. Elon is a liability, I regretted holding my Tesla position for 5yrs.

Cyberknight:
I also think it's overvalued as well and agree that SpaceX's market share will likely not outlast Mr. Trump's term by much (of course no-one knows how long Trump might stay as president, given that it seems anything goes in US politics these days). But it might make a good buy in the short term.

I preordered a fraction already just to see how the market reacts when it goes public…. I will sell before November midterm election

Lexusgs430:
Yet again, justwise...... You're also speaking from both sides of your mouth..... 👄😂🤣👄

I'm not, i got no issue with insurance in general...count me out of life in insurance

Lexusgs430:
Not just '' some money ''.... So long as you're fully insured, you get '' all of the money,"" to rebuild that property + cost of '' all the contents'' refunded..... 😉🤣

Exactly!! Better than life insurance…lol

Goodenoch:
1. Is your home insurance an investment?

2. I’m sure you will be careful not to burn your house down by mistake. Will you stop your home insurance because of that?

Again in some ways its an investment , if i burn my house down i will be getting some money from the insurance company either for the content or for the actual house.

Kenn55:
Oh, I see where you are coming from. Your first paragraph says it all.

You can't stand making an investment that someone else will benefit not even your own family. Na waa ooo, I comot cap for you

That was not what i said.

Goodenoch:
In this conversation about life insurance I hope people are taking into consideration that it’s something that’s intended to come into effect in case of an unexpected death while still ‘young’ and when one still has dependents, not when all your children are grown and have struck out on their own and are capable of fending for themselves in your absence.

It’s not an investment you’ll be looking to get returns from, just like your car/house insurances are also not investments you hope to ever have to get returns from.

The notion that the best way is to spend your money with them while you’re alive is good but do you know how long you’ll be around to continue making money and spending it with your family on an ongoing basis? In short, life insurance serves a completely different purpose.
It’s for if you die in an accident or have a heart attack at 30, 40, 50 or 60-something years old. What will your family eat? How will they pay off the mortgage? How will your wife/husband be able to care for the children on their own in the absence of your income and your input in childcare etc?

For people who have enough assets that can be disposed off to fund things like that (eg you have investment properties separate from your main residence or a substantial shares portfolio), you might not need life insurance.

For everyone else, please don’t allow the mindset that ‘they will get money when I die’ to prevent you from paying the 15 pounds or so per month to ensure your family doesn’t suffer unexpectedly soon.

Its an investment in some ways because your family will cash out at some point

I rather put that £15 or £20 into s&p 500 monthly or in Equity fund in Nigeria than life insurance . Don't worry i will be careful so as not to die in an accident or have heart attack.

Lexusgs430:
They all know that, their buckets would not be kicked, till they hit 95....... 😂😁

That is not impossible.

Kenn55:
I think instead of doing life insurance till death, it is better to take a 10 or 20 year term life insurance depending on how old your kids are.

The essence of life insurance should be to protect your kids during their dependent stage. If you have a 5 year old child and you take a 20 year term life insurance, it is expected that after 20 years, your child would have become independent and would no longer need that backup.
If God forbid, you kick bucket when he/she is just 12 years old for example, the payout should be able to payoff the mortgage to guarantee them shelter, pay for their education and upkeep till they become settled.

You don't want the living standards of your wife and kids to drop or to rely on one wicked uncle, relatives or Gofund me to survive in the event of early kicking of bucket. It should also cover you in the event your wife kicks bucket first so it is not just for a man as most middle class families run on both husband and wife joint income

In summary, life insurance isn't supposed to be a wealth creation for the living but to secure your family during the period they will need it most in event the unexpected happens. It works for middle class, the rich wouldn't need it, their will is enough.

I totally get your point however what I’m saying is that life insurance is not the only option, there are other generational wealth creation vehicles that the whole family enjoys while here on earth.

Life insurance creates unhealthy expectations in a family as the insurance holder gets older.

Lexusgs430:
Justwise, seems you're missing the point...... 🤔

How could I help my family with money, that is an insurance payout, upon kicking my bucket....... 😂

No I’m not missing the point at all… if my family has to wait until I die to live or maintain comfortable living then I haven’t done a good job while I was alive

Lexusgs430:
8th

Justwise and Goke7, seems to think everyone would live till 120 years old, hence not requiring life assurance policies...... 😜

Actually that’s not the point, we are basically saying that there are other ways of looking after family after death..which involves you enjoying the rewards of your hardworking together with your family. They don’t need you to die first before those benefits.

Lexusgs430:
But nothing is stopping you from enjoying the proceeds, from all your investments......

Imagine what a life insurance payout could do, to our loved one's whilst we are gone.....

Or would we rather them rely on Go fund me, for immediate financial needs.....

Why not help your family with that money while you are still alive?

Goke7:
Am with you on this one! I rather major on investments I too can benefit while alive. Period.

Absolutely!!

Lexusgs430:
So you leave your loved ones financially handicapped....... 😂😊

Common now...lets be real here, i need to enjoy my money with my family while i'm still on this planet earth, they don't need to wait for me to die to enjoy life.

This may sound strange to many but i don't have bank accounts for my kids, all my investments and savings are in my name. As they grow up and i figure out what they want to do in life then i will invest in them so as to be financially dependent and not waiting for me to kick the bucket so as to enjoy life.

Lexusgs430:
Both of you get Life insurance policies, so whoever kicks the bucket first, creates a soft cushion for the other....... 😂🤣

I'm totally against any investment that the benefit comes after death.

directonpc:
Zahra29 is a dangerous person, and unfortunately, our community has many of them.
Imagine making someone like the voice of people like us because they look like us. They'd make life hellish for people starting out in the same system that was favourable to them. Thank God man no be God.

I disagree with you on this, i do not agree with her in certain issues regarding immigration policies by current and previous government but calling her dangerous is well over the top. We need a balance view in this thread and Zahra29 contributions is essential.

I know that she does come across as the female version of Alastair Campbell during Tony Blair time but she does it in a meaningful way.

Lexusgs430:
Life insurance is so so important..... If you love your family and don't want them to rely on Go fund me........
Get a LIFE INSURANCE POLICY TODAY.........

How do you know if i'm going to kick the bucket first?

Blosom29:
I got this mail from ukvi what should I do
The UK Decision Making Centre is currently assessing the application submitted by the above named. We are unable to conclude the application at this time as we require additional information.

Please provide the following documents:

Official, verifiable documents to demonstrate what you have been doing since your graduation in 2021.

I can see that you have sent a letter from your employment, but if you can please give more information:
What is your job role?
How long have you worked there for?

Please also provide Payslips and bank statements with regular salary being deposited.

Your documents do not need to cover the entirety of the period referred to, but should be reflective of what you have done during this time. The decision maker will use this information to consider whether you meet the genuine student requirement of the Immigration Rules. If we have further questions, we may ask you to attend an interview, if you do not have any official documents, please provide a brief summary of why.

This is simple...is the money you presented from salary? If yes then print your salary account and payslip for at least 6months and send to them.

Yes your payslip and salary that goes into your bank account must correspond there is no two ways about it.

lilzeel:
This guy pm me to subscribe to a group of experts who can guide on best route to travel out and it a paid group. I paid and since then this guy went mute no group no adding. He sha scam me 20k but no wahala on God, he will reap it.

Which guy and how much did he charge you?

HacheNoire:
Only those who have never been to the airport!

That system was coined out of slavery!

But now, you will have everything, keep running, and never OUTRIGHTLY own anything- it all comes with a price tag that will always keep you running.

The new slave chain is DEBT

This is not true

I feel her pain, i can relate to everything she said but giving up is not the answer. Though doing certificate course will be helpful compared to masters course

Zahra29:
Yes it is.

Of course no British citizen pays IHS and tax at the same time, because the IHS is specifically for migrants who are not yet permanently settled i.e. who have lived in the UK for less than 5/6 years in most cases.

Compare a migrant at 40 who has worked in the UK for 2 years and paid £2,000 IHS + income tax - there is *absolutely* no way he has paid more into the system than his British peer who has been working since 21 (and part time since he was 16 / 17 years) and has thus paid into the system for >20 years.





1. The vast majority of adult Brits have paid something at some point.
2. They are British and are entitled to the NHS. It was created to serve the British.
3. Let's not forget that there are tens of thousands of migrant dependents who pay nothing (exempt from IHS and don't work) but still get free medical treatment.

You are making it look as if all Nigerians that came here with work or student visa came at the age of 40, many are in their 20s and 30s.

Yes British citizens are entitled to use the NHS because its their country just as migrants are also entitled to use NHS because their paid for it, i mean OVER paid for it.

The British should be the last country on planet earth to complain about immigration, the same people that went around the world shop lifting countries now have the gut to complain about immigrants that paid to be here.

People i have issues with are those who came here to commit crime and break the law, apart from those set of people ..the rest should enjoy what they paid for.