₦airaland Forum

Bibitayo2:
Please, is teaching a good profession to go into in Canada?

I currently teach in Nigeria and I plan on getting the teaching license of a province before I move.

I am also taking online courses on KYC/AML.

Kunfu:
Hello guys, please What is the best and faster way to renew my passport in Canada, my passport will expire by may next year

eniola1010:
I plan to take the grant only.


My income for 2024 is 0.


My income for 2025 is 0.


My course starts Jan 2026, and the program is applied for in Nov 2025, meaning I will be applying for the OSAP in 2025 towards '2026 start of programme'


However, I am positively sure I will get a job in 2026.


My course, though full time, I am more than confidence I can juggle my job and the course because its a purely online pre-recorded course. I can always go to work and do my course in the evening after I'm back from work.


The issue is this, if I file my tax for 2026 in 2027, wouldn't OSAP convert my grant to loan based on the fact that

Since I would obviously have an income in 2026, wouldn't that trigger the OSAP guys to come after me in 2027 stating that I already have an income -even though i started getting the income way after my school started - and as such I was not meant to be taking OSAP or I should have reached out to them so they could have stopped subsequent OSAP payment.

JIREN01:
Hi everyone, I do have a question. Is it just me or it’s so difficult to get a job in Canada? It’s so crazy and strangely challenging. I’ve spoken with a few guys who have been here for a while (2018/2019 arrivals) and was told it was easier in the past. The job market is unbelievably horrible at the moment, and the tech bubble, which is obviously waning, evidenced by the series of layoffs, didn’t help matters at all. Almost every job vacancies on LinkedIn have >100 applicants in just a few hours of posting. To everyone, I’ll appreciate any ideas on areas or fields with lesser competition that one can pivot into. Any roles with a fast learning curve where you can learn the ropes very fast and get up to speed in no time?

Islabelle:
hi please how can one reach out to you?

OkoyeIfechukwu:
Hello Everyone,

I need help finding an affordable place to stay in Toronto, Canada, close to my school at Seneca College. I recently had my study permit approved, but I'm finding it difficult to secure a place. The in-Campus housing is quite expensive, 4775 CAD for 3 months. Please, I need advice/assistance. Thank you

jedisco:
Interesting. The bolded never crossed my mind as I just thought the lower LTV would get a better rate. But looking at it thru the eyes of the bank, it makes sense though given that an external body now guarantees the loan. But for insured mortgages, does that insurance last the lifetime of the mortgage or carry on is one switches lenders in future?

I gather the issue with being an employee of ones company is that you pay both the employee and employer part of the CPP. The alternative is to take dividends but that excludes one from RRSP. I can oly wonder if the CPP and additional income tax on wage taken are made up by the RRSP and CPP.

jedisco:
Good stuff

For the rental, I ultimately used rentfaster with aim to get my place when the rental expires

It appears Facebook marketplace is quite popular in Canada as I've seen a few reference it. I'd keep that in mind in future. The waitlist for RAVs dey make me laugh. I know it's dependable but the car dey like taxi for Canada. With a vehicle, I just want peace of mind. As I was blowing money on Uber with my movement still being restricted, I ultimately went to a dealership and sorted out a lease.

Lol @nauseate. See me that my MTN line has been going strongly for over 7yrs away while only needing to use it at intervals. On my initial visit, I got a prepaid sim with Freedom but the jokers told me it's been deactivated when I wanted to return. Appears they deactivated it in abt 3months and worse still, there I was unable to retrieve the number. Subsequently got my second my sim at the airport. It costs 44 cad with 200mins fee international calls which includes the UK and 9ja and 100gb I think. The free international calls was the main clincher. Its saved me alot on roaming fees.

With the mortgage, I'm hoping to put down enough to avoid the insurance prenium. I heavily overpaid on my last mortgage and looking back, I might have handled it better i.e pay the minimum required sum and keep the overpay aside- mostly invested and when I come to remortgage, I can decide how much to add based on the LTV I'm targeting which would be dependent on the rates on offer. Ultimately, there is the subtle pressure that comes with having a large part of your home unpaid - I guess that's what the relevant insurance cover is there for.

Good enough, I'm not in BC or Ontario. My city has shown some resilience with modest growth and I wouldn't be surprised if that continues into the coming years as markets stabilise. Target is to start looking over winter but I know the market is slow then. I wonder what the common online aggregator for house sales is. I mean one where I can see over 90% of listings. I want to keep an eye on things.

My case is a bit nuanced in that I'm self-employed. So any employee/employer contribution ultimately comes from me. I'm still tryna wrap my head around the RRSP stuff and how tax efficient it can be in different scenarios. So far, I've found it needlessly cumbersome while not being very tax efficient or generous. It appears if one has too much there, it might be detrimental in retirement. Looking for an ELI-5 article on it all. My accountant wasn't so keen on it and says he tends to advise his older (middle-aged) clients to focus more on other investments such as property.. sounded kinda odd

Good performance on your investment. Is the e-series fvnd a global one? Do you know of a site that agrregates brokers and fvnds based on select criteria e.g fees they charge? I'm looking for the Canadian version of this: https://monevator.com/compare-uk-cheapest-online-brokers/
Also a place where I can see deals to be had with different brokers.

lanresz:
Given the way cities develop in Canada, houses built 30 to 60 years ago will be in an established parts of the city with good infrastructure connections and known communities as you mentioned. However, over the 30 to 60 years, new communities are established and people tend to move to those communities leaving the older ones behind. Lot of these communities are in downtown full of undesirable characters. If you buy a 30 to 60 year old house, a lot could happen in 15 - 25 years when you might be looking to sell it. It depends on where the market is at that point. One thing I have found about Canada is that it is very underpopulated given the landmass. Outside of the 3 major cities, Toronto, Vancouver, and Montreal, there are still lot land that are suitable to build houses. If you look at Edmonton for instance, between Edmonton and Leduc, you still have lot of land that houses could be built on despite all the developments made in recent years. Then there is still lot of land between Edmonton and Fort Saskatchewan that could still be developed. It is not like UK/Europe, where land is a constraint. The point I'm trying to make is that with the land size, it is difficult to predict what would happen in 15 to 25 years when one might be looking to sell. Some of the old houses are knock down to build new ones. If the house is in a desirable area like River Valley in Edmonton and the lot size is big, a developer may pull the house down and build 2 to 4 houses on it. A lot goes into play. Given the increase in cost of heating and the temperature in Canada, people care a lot about how energy efficient a house is.

I hope I answer some of your questions.

Temilayo816:
Do you still need one?
I have a 4 by 6 mattress for sale.

vani86:
In other words you be olodo, dundy. Your mates made at least 2:2 and after 5 years in university, you came out with 3rd class and proud because a thug like melaye is also a dundy.

SMH leaders of tomorrow

eleojo23:
There should be a post office near your place of work on the island. Your package will be shipped to your nearest post office.
I don't think Nipost offices open on Weekends so it's best you use your office address where you can easily pick it up during the week from the nearest post office.

budosky:
Any amount btc needed @490

olubams:
Hi, everyone I know Im new here but I have some $130 worth of BITCOIN @#400. Check my signature if youre interested...

blueto:
http://dailypost.ng/2016/04/08/buhari-forced-me-to-be-kaduna-governor-el-rufai/ Lalasticlala

Times are hard in Nigeria. A lot of us are physically, mentally, emotionally, and financially frustrated. Sadly, the only person anyone can kick in the shin right now is President Muhammadu Buhari.

But kicking President Buhari comes with great damage to one’s feet. President Buhari is a saint. You have to contend with fanatical Buharideens and Buharists who confidently believe that the man is God’s gift to humanity. You have to survive the onslaught of APC youths who absolutely detest free speech, freedom of expression or even rule of law. And then, most terrifyingly, you have to face your own people—the people to whom you preached Buhari in 2015—and try to explain to them that, all the gods forbid, you are not a “wailer”.

Or, maybe, you are just a known social critic and you want to score points for objectivity. Or, possibly, you are a generally nice person and—though heaven knows the fuel and power situation is killing you daily—you honestly don’t want to hurt the president’s fragile feelings.

Well, look no further, here’s how to criticise Buhari and still live to fight another day.

Start with PDP: Whether your criticism takes the form of a Facebook post, a series of tweets, an open letter, a full blown article or an inspired poem, always make like Lai Mohammed and start with PDP. Make it known from the outset that you positively hate PDP. Even if your knowledge of PDP started in the last 5 years–you must capture PDP’s sixteen years. (“16” is now a magic figure in Nigerian history.) This no-holds-barred anti-PDP stance is what will determine the “objectivity” of your article. In APC’s Nigeria, PDP has no positives. And as far as APC people are concerned, the only objective critics of Buhari are the people who demonstrably supported Buhari. Those 12 million silly Nigerians who voted Jonathan are second-class citizens whose parents missed road in their upbringing. They have no right to criticise Buhari.

Wailing wailers. Examples of how to start your criticism: “Everyone knows PDP destroyed Nigeria these 16 years…“, “When I voted Buhari in 2015…”, “In 2015, I supported the Buhari campaign…”, “If I had to vote again, I can never vote for PDP…”, “Let me be clear, I can never support PDP”. Of course, you may not have actually voted for APC or even voted at all on March 28, 2015, but that’s between you, your deity and INEC.

Commend Buhari’s efforts so far: Obviously, Buhari has not been lounging since he came into office. The man has been very busy. Take a look: he has enforced the TSA, routed Boko Haram, appointed excellent Ministers, prepared a Budget of Hope, solidified Nigeria’s foreign policy, and burnt a lot of aviation fuel. You have to acknowledge this hard work if you want to stay alive after your criticism. Look for something positive and praise it like the best thing since Olajumoke’s unsliced bread. “I cannot help but praise your innovation in implementing the TSA…”. Do you even know what TSA does? Who cares? Just mention it. “As we look forward to the passing of the impressive 2016 Budget …”, “Your presidential poise in official photographs fills me with inspiration and hope for the future.”

Attack the other critics: You want to criticise Buhari and escape the whipping? Then make it clear that you are not one of them. By “them” you mean the wailing wailers–those 12 million Nigerians who voted for Jonathan and now have bellyache. You, on the other hand, are a genuine, objective, constructive Buhari-loving critic who wants nothing but the progress of the president. You do not want to be mistaken for those PDP anarchists. “I know some people are happy that I am criticising Buhari, but they are mistaken if they think I am one of them”, or you can be very direct: “Bleep you, wailers. Don’t you dare think I am wailing.” You are merely advising the president. Honestly.


Play the “fighting corruption” card: If there’s anything that shows just how much you appreciate Buhari’s tenure, it is your stance on the war against corruption so far. Don’t you dare suggest the war is not shaping up. This is the only thing for which you cannot criticise Buhari. Anti-corruptuon is Buhari territory. In fact, you have to go gaga on how overwhelmingly successful the fight has been. Here’s a secret: Buhari’s war against corruption is like the Emperor’s New Robes: if you cannot see it, then there must be something fundamentally wrong with your moral system. Or have you collected some of the Dasuki loot? You had better ramp up your appreciation of the amazing, glorious, and fantastic fight against corruption. “The war on corruption is a huge success…“, “I support the ongoing fight against corruption in our country...”, “President Buhari, the level of corruption in the country has dropped dramatically since you were sworn in!”

Beg permission for your criticism: Now that you have successfully demonstrated your loyalty, ask for permission to mention your concerns. Be polite. Buhari is not your daddy. Buhari is minding his business and you people and your problems will just come and be disrespecting him anyhow.“Dear Buhari, I know you are busy with more important issues like the Nuclear Summit, but allow me to mention this small issue of fuel scarcity…”

[b]Criticise carefully: [/b]This is the dangerous part. Don’t rush in like a wailing wailer on a suicide mission. Don’t attack Buhari or blame him for whatever is worrying you. He is not the cause of your problem. He is here, like Jesus on the cross, to save you from the 16 years of your parents’ stupidity. So, watch your language. Keep the tone passive or pleasant. Also, make suggestions, don’t just criticise. “Dear Buhari, sometimes we have to say the truth, this fuel scarcity caused by the PDP is becoming serious…”, “I wish to call the president’s attention to the recent Agatu issue…”, “I know the judiciary/CBN/NNPC/PDP/is not helping matters but I beg Buhari to look into the issue of…”. Acknowledge the stumbling blocks in Buhari’s path and suggest their removal. There are plenty to choose from: the CBN, NNPC, PDP, judiciary, rule of law, even the damn Constitution. “Buhari is king, Bleep the Constitution…“. If you are desperate and your phone battery is about to die: “Buhari, epp us, plix.”

Reassure Buharists of your loyalty: Phew! That was close. If you did your work well, the Buharideens and APC youths will be in your comments at this point. They will praise your objectivity and constructive criticism. Your retweets and likes will be flowing like money into Dasuki’s account. You can go home at this point, but if you want to “kill them totally” just add another reminder of your faith in the Church of Buhari. Repeat your attack on wailers and Jonathanians and, if you really want to go nuclear, Zikists, Awoists, IBBists, Abachians…. No, no. Don’t ever attack Abachians. Perish the thought. One mistake like that and you’re back in Wailerland. Don’t go beyond the 16 year benchmark. Buhari has a past too, so just stay in the present, or in the future. “I remain committed to the Change agenda…”, “I am confident in President Buhari’s abilities…”, “Under Buhari, I know Nigeria is destined for a great future…”.

Remind everyone that you’re the boss: If you are not feeling ashamed of yourself at this point, then congrats, you’re a first class sycophant! For the rest of us, normal citizens, we have our conscience to deal with. Knowing how much ass we have just kissed, we have to balance things by reminding Buhari that we elected him and we are boss. We will continue to criticise him. Hard. Next time. “We are watching you, sir, and we will continue to be vigilant”, “In 2015, I promised I will criticise you, sir, and I am going to continue keeping my promise, sir”, “The office of the citizen requires that we do this, sir. Please, sir. Take note, sir.”

Paulpaulpaul:
Fake election, democracy is raped in Nigeria

wisdomguy4u:
The All Progressives Congress (APC) has denied
that its presidential candidate, Muhammadu
Buhari, promised to bring the naira at par with the
dollar if voted into power come March, 28, 2015.
APC also promised to implement the
recommendations of the Presidential Committee
on the Restructuring and Rationalisation of Federal
Government Parastatals, Commissions and
Agencies to merge or scrap some agencies and
parastatals.

Speaking on Tuesday, Director, Policies and
Strategy of the APC campaign group, Bolaji
Abdullahi, made the clarification on Tuesday at the
Nigeria Political Parties Discussion Series (NPPDS)
organised by the Centre for Democracy and
Development (CDD) in Abuja, with the theme;
‘Manifesto Hour: Political Parties and the Citizenry’.

According to him, what Buhari said was that the
current exchange rate of the naira to the dollar was
unacceptable.
“Buhari never said, ‘I will bring naira at par with the
dollars’, he said the current exchange rate was
unacceptable.
“We are going to restructure the way we educate
our youths. We cannot continue to educate our
youths in the way of the 1960s,” he stated.
He also faulted the current educational system,
which gives preference to university education,
saying his party would restructure the system such
that every youth would be employable after
graduation.

While promising to also give the issues of people
living with disabilities adequate focus, he disclosed
that a social security programme has been planned
in which the most vulnerable in the society would
be given N5, 000 per month

Earlier, APC Publicity Secretary, Lai Mohammed,
said his party’s manifesto centres on job creation,
corruption and security.

www.dailypost.ng/2015/03/26/buhari-never-promised-apc-to-make-naira-equal-to-dollar-apc/

sweet7oyin:
sorry to disturb.. F u av like 4.5 and 4.5 asin 1st and 2nd semester hw do you calculate the cumulative

sweet7oyin:
I heard it is mostly final year student that stay there I mean etf how true is that? And also what about the water supply and squatters

sweet7oyin:
Etf block 5.... How iz that place