₦airaland Forum

signature2012:
As i said earlier,only people with bad spending habit HATE credit cards.

The number 1 aim of every citizen is to have a house of their own,how many can buy a house cash down without CREDIT?

UKmigrant:
As I understand, having credit card and using it wisely is like building a financial reputation, it is beneficial in the long run as people who can lend you have a background with which to judge you when you need their help. On the other hand, not having a credit card or having one and not using it means that you cannot prove to anyone that you can be trusted with money so you are confined to only living within your income and you can't even have cover in times of emergency.

Most of the rich men we know don't even live within their income, they depend on borrowing to run their businesses.

While on paper, not having one or not using it might seem like a wise thing to do, you have no safety net. My credit card is my back up in times of emergency, that's just how I see it and I intend to use it to build a very good credit score within the next one year.

signature2012:
Obviously you dont understand what credit card really means.

maternal:
This is not about living within your means. This is about building and maintaining a good credit score in the west through credit card. Therefore, that allows you to do other things. You may be surviving but you're definitely not maximizing the countries full benefits.

foxyvisa:
Thanks so much for the prompt reply. I have been in panic mode all day. With God we will scale through and record success

By this judgement, intending couples are to ensure that the type of certificates issued to them by local government marriage registries conform with the one issued by the Federal Marriage Registry in Form E while already married couples are to return their irregular and illegal marriage certificates to the local governments in exchange for the proper ones

signature2012:
Dont tell me you dont have one.In the state i am,in some areas,you must show your credit score before you can rent accommodation.

maternal:
You're literally a 2nd class citizen without one in the west. Anyone who says otherwise is ignorant.

foxyvisa:
@justwise September, 2016

signature2012:
You are very very wrong.Yes is called a credit card and the fund in it is meant for spending.You cant reside in the western world without a credit card,you just have to be a prudent spender and not an impulse buyer just because you have a credit card.

Let me use your illustration.Your credit card limit is $3000 for example,to have a good credit score,you are not suppose to spend more than 65% of that money which is $1,950 every month.

If your minimum payment happens to be $50 every month,to avoid charges,it will be for your own good to pay back in full the exact amount you spent from your credit card and not the minimum payment($50).

Do this for good 6 - 9 months and see how your credit limit will rise to $10,000 or more with juicy offers knocking on your door with mostly 0 APR,and your credit score in the range of 750 -850.

Now back to your advise using debit card,is it not same money you intend to spend from credit card you will also spend using your debit card?So why not just spend it from you credit card in which will make you have better offers if you want to get a car,house etc than spending from your debit card with not benefit to gain.

The major problem people have with credit card is impulse spending or lack of finance management.That is when debt start piling up and it makes them run bankrupt.

foxyvisa:
@justwise and house, I am seriously confused if I and hubby should go ahead with submitting of our UK spouse visa application this week because of our local government issued marriage certificate and church certificate. Hubby is currently in UK and all this is sooo confusing especially since we have been putting documents together all through the year and finally ready for submission

Lamakinde:
@Justwise, there is a court ruling around July/August in Nigeria that nullifies Local Government Marriage certificates. I will try to check any link related to that.

Lamakinde:
Please read the link below, it was in May 2017 thereabouts http://thenigerialawyer.com/court-declares-ikeja-local-government-and-other-local-governments-marriage-certificate-unconstitutional/
I believe they ware challenging it but yet to see any link related to that yet.

foxyvisa:
The ongoing court case has been this year 2017. So previous applications before the sanctions from ministry of interiors won't be affected. I pray British embassy doesn't include this in their requirements.

Ramj:
I choose to keep smiling but Justwise try to read my post again. Especially the one you marked in bold

Ramj:
My Take on all these is that - Nairaland is an open forum and unfortunately nothing you and I can do about that. Most wont be here it it was a closed or secret Forum

2. Agents are there because people will use them and nothing you and I can do about it. Despite the info here many still use agents for many reasons. Nothing you and I can do about their decision.

3. If because of agents and ghost readers and all sorts we all stop sharing info that brought this thread this far, then..... i dont know ooo

4. Price increase like CC is painful but ..... Sometimes i believe it would help remembwr that this thread grww because pwople explored and shared. everyone can go back to work. And thats what we should encourage. Its optional in the long run. A lake becomes stall a river remains fresh - Selah

5. This thread has made many see the possibility of birthing in US and doing it right. If we are not tactful like Wikipedia we might just soon drive down this thread.

6. Lets respond rather than react which is what is happening. Rather than lay blames lets encourage each other to make further research and explore and encourage to share if you wanna.

Mamas and papas have shared in the past even down to all last prices.. It shouldnt be a crime now

@Justwise many are getting lost and frustrated as to the purpose of this thread. As the Moderator there is need to be tactful. If we want people to do findings there is a way to go about it. If not na so so PMs we go dey see. Please think about it.


Je m'appelle Ramj

deebaby05:
I also read about our federal govt banning LG wedding but I submitted both certificates -Badagry registry and catholic church certificate) I initially submitted the same 2 for my son's application for his British passport and it was granted this year so I don't know which was accepted.

deebaby05:
If the applicant has savings that can boost the financial requirement, then he or she will need to include bank statement. It's even in the financial form (question like 'does your savings, pensions etc with sponsors salary meet the financial requirement?). I had to add my savings to exceed the financial requirement for myself and 3 kids since hubbys annual salary cannot cover for all of us. meanwhile the bulk amounts needs to be explained with proof so they don't think somebody borrowed one the money.

MeinKampf:
Guys be careful, this criminal igeoluwatobi is still lurking around looking for who to scam. Please, don't entertain anybody approaching you to make payments on your behalf, they only want to scam you and put you into problems. Igeoluwatobi has been confirmed to be a credit card thief and also a 419

elfmann:
Some people don't even know what they're spending their money for.

joygirl2017:
Am really sorry senior justwise like to come in there .
When I was applying I went through people's application I saw they got letter from land lord that its okay for their spouse to live there even on this platform cos some landlord might just want only one tentant .
Even us we got the tenancy agreement and a letter that he is aware of my coming and he is fine with it .
That lettter from landlord wont be bad .

foxyvisa:
@Justwise and the house I just read this on another thread concerning marriage certificates issued by local government carrying the "local government unified marriage certificate" on the Marriage Act Certificates. This spells doom for those intending to use their certificates at embassies.

[b][/b]

Aphrodite007:
I think I read it somewhere that the embassy doesn’t recognise local government marriage certs. It’s might have been under this topic or elsewhere. Regardless, if the federal republic of Nigeria doesn’t recognise weddings conducted but the LGs (because they have been labelled unfit to conduct marriage ceremonies by the govt) then I don’t think it’s safe to assume that the UK would recognise the LGs.

chilove02:
Hello gurus in the house, I have been following this forum for a while though just registered recently because I believe in what you guys are doing, keep up the good job.
Please I am in the process of applying for a spouse visa for my partner but I still have few questions to ask.

First of all do I need to be in a permanent job to be able to sponsor him. I am based in Uk while he lives in Nigeria.
I need to know pls as my recent job is killing me but I do have a second job with an agency though not in permanent contract with them.

Justwise and the rest of the gurus pls I need your help.

Thank you.

edmasta01:
Wow...I cant believe I sat through 4 hours reading through this entire thread to get more information about giving birth in the USA.

Now that I am done....my head is "bursting"...lol.

After waiting 7 years, I and my "madam" are expecting our first baby in January 2018 (through CS - I know this due to previous medical history) and we are looking to give birth in Maryland (that's where we have families).

We both have British Passport (which means we can visit the US from the UK for up to 3 months without applying for a Visa - Although we do need to fill out an Esta Form to notify the US Border Control We are coming).

Has anyone on this thread gone through this route before?

To be honest, I am not keen on giving birth in America (as I know the baby will get a British Citizen and the hospital fees is free in the UK as We pay national insurance for this already).

But "madam" really wants to do this, and I am happy to make it happen (I am so excited...will finally be a dad!)

I did some research myself, and found Mercy Medical Centre (who won't take wifey at 35 weeks when I called to enquire). John Hopkins Hospital is astronomical in prices and a few others I rang personally ranged in prices between $10,000 - $15,000.

Will be ringing a few others e.g. Holy cross next week Monday to get more information too...

Has anyone used any hospital in the Maryland area that is affordable? Please "help a brother".

foxyvisa:
I hope this information isn't coming late. You can get your transcript by hand from your university if you narrate your plight at the faculty or senate level. It's being done several times but peeps really don't talk about it because it's not supposed to be so. It all depends on how long it takes for your department, faculty and senate to process the transcript.

foxyvisa:
Thanks @justwise. I feel really excited to see your reply. I have read your comments and replies to questions for months and it feels good hearing directly from you.

foxyvisa:
The comment by @lamakinde got me worried. My marriage certificate issued from Redeemed Church bears The Marriage Act, Federal Republic of Nigeria, Underneath "Local government unified marriage certificate. Please @Lamakinde and @justwise is this different from a certificate issued in a federal marriage registry?

foxyvisa:
Good day house. It's a pleasure to finally join the house. I have been following and reading through the pages of this thread as I intend applying for spousal visa in a few days. Thanks to the awesome members who continue to engage and profer solutions, I have learnt a lot, avoided mistakes and still learning.
Please the matter of licenced marriage certificate from a licenced church ie form E FGN marriage certificate issued in a licenced church to be used for spouse visa has being my concern. Please @justwise and other moderators, will this pose a problem?

Quin17:
When i came across this forum, i felt jstwise is an agent. Who knows? I may be wrong, bt then i dnt care. Jst saying.

Lamakinde:
Remember to chose settlement - Husband or Wife
Actually we all learnt through reading up because of different circumstances relating to each applicant.
For starters as the applicant, you will need your sponsor to be earning £18600/annum if you are without child or if your child is a British citizen.
With a child it increases to £22,400 and additional £2400 for subsequent child.
Docs from Sponsor and needed by Applicant
P60 of that year
Six months account statement
Payslips
Letter from the employer on letter head signed stating the year of employment, Remuneration
Utility bills e.g.Council tax, energy
Letter from Landlord /Receipts of payment stating he/she is domiciled at the residence and permitted to live with the spouse.
Communication Proof (Phone records from service provider , WhatsApp conversations, Facebook chats, IMO e.t.c.
Original Marriage certificate (Not Nigerian local govt) Federal Marriage Registry or UK recognised.
English language Proficiency (Either IELTS life skills A or if you have a UK degree or You can process a UK NARIC assessment of your Nigerian Degree taught in English)
Original Tuberculosis Test (You can do this at IOM i.e. International Organisation for Migration)
Lots of pictures at every meeting point, marriage pictures etc.
Copies of visas stamp for all travelling to meet.
Letter from Applicants employer if employed
Bank statement( just to show you have a life)
All docs is original.
Lest I forget, docs from self employed sponsor differs a little.

GodandVal:
Should I wait for them to send the link to me to pay as I stated in the letter or go directly to the website and pay?

Phoenix77:
Pls @Aphrodite007, @justwise and the house who has an idea on how I can take the correct English test as going through the NARIC will be to stressful for as I don't have the time to be travelling all the way down to my school from lagos.
2) do I confirm my application after I have filled the online portal form or how do I proceed from the confirmation of my application thanks.

Aphrodite007:
I did a master’s in the uk, so I don’t need to take the test, but the test is very important. You can go the NARIC way if you have a Nigerian degree or take the IeLts life test (I think it’s called). Please scroll back 3 pages and read from there someone mentioned the tests and another mentioned the method with NARIC. Some gentle man even posted a way to get your transcrip faster if you scroll up my response a bit.

I would implore you to go back at least 10 pages from this, to see what you can gather.

Feel free to post questions, even if I might not be of much help, someone will.