₦airaland Forum

AirBere:
Next season, Barca will still line up with a front three of Ralph, Lewy and Yamal. This won't change unless Ralph is sold to Saudi. Any LW signing or whatever is going to be a depth signing. Someone who can play on the right and on the left without a major drop off. You don't spend big in a position where the current player can actually win the bdor. You don't spend big on depth unless you have enough cash to spare. I don't wanna say Barca is broke but it's clear that there's a financial constraint somewhere.

If Una go sign any winger, e go be backup. And you don't break the bank for a backup. I see Rashford coming on loan and signing permanently if he performs well.

I made the below post some weeks ago, Barca can’t afford to spend big on the LFW and CF positions as long as Raphina and Lewy are still in the squad.

Summer transfer plans:

Jonathan David (free transfer) good back up for Lewy. Will fight with Torres for the 2nd striker slot. Not sure we can afford the other top strikers Isak (100m), Gykores or Sesko(75m)

Mitoma $40m (my valuation) (skilful LFW that wouldn’t mind being a backup to Raphina) not sure we can afford Leao or Nico (75m)…. Plus they will disrupt the team cos Raphina will have to move to the bench.

RB cover for Kounde (don’t have a notable name for this one yet)

LB cover for Balde (Martin na otu) ⁩doesn’t inspire any confidence either at defending or attacking.

extend Scezeny contract by 1 more year

Get Christensen and Bernal back from Injuries.

Jonathan Tah (CB) free transfer from Leverkusen.

Sell Fati

Kounde out,
The team will miss his chemistry with Yamal same way Raphina is currently suffering from Balde’s absence

Summer transfer plans:

Jonathan David (free transfer) good back up for Lewy. Will fight with Torres for the 2nd striker slot. Not sure we can afford the other top strikers Isak (100m), Gykores or Sesko(75m)

Mitoma $40m (my valuation) (skilful LFW that wouldn’t mind being a backup to Raphina) not sure we can afford Leao or Nico (75m)…. Plus they will disrupt the team cos Raphina will have to move to the bench.

RB cover for Kounde (don’t have a notable name for this one yet)

LB cover for Balde (Martin na otu) ⁩doesn’t inspire any confidence either at defending or attacking.

extend Scezeny contract by 1 more year

Get Christensen and Bernal back from Injuries.

Jonathan Tah (CB) free transfer from Leverkusen.

Sell Fati

jpmoriarti:
Currently scouting Inter against Milan.

They're down 2 - 0 in the copa semi final. Lacking in ideas and looked quite tired. If they play anything similar to this, we're gonna eat them alive.

That said, Im sure they'll recover and probably get into UCL spirit but nothing I have seen so far have scared me.

TBH, all top teams still fighting for a treble are playing with tired legs (Inter is fighting for UCL, Copa Italia and Seria A with Napoli just behind on goals difference). I believe we have a good chance against Inter, we need to be decisive in front of goal and take our chances.

My people with say (Eni Egun nle, ko mo roju. Bo ti nre ara aye, be lo nre ara orun. ) “If a masquerade is chasing you, don’t give up, as human being dey tire na so spirits dey tire ”.

The only top teams that is immune is PSG as they have won the Ligue 1 with several games to spare, even Arsenal is not having it easy as their 2nd place spot might be on threat.

Derumklala12:
At what point do we consider lewandowski a Barca legend

Once he wins UCL with this team.

Hi guys,

Want to hear your opinion, why are we not bidding for Mitoma as a LFW. I feel like:
1. He is a good player
2. He would come cheap compared to Nico, Leao and the likes.
3. He would fight for a place in the LFW with Raphina and would not mind being a squad player which would be good for the squad chemistry unlike big budget players like Leao who would expect to start every game.
4. The funds saved from Mitoma’s purchase can be used to buy a top quality striker to replace Lewandoski.
5. Where would we put Raphina if we buy Nico or Leao?

Would like to hear opinions from other fans.
@andrewbaba44 @jpmoriarti @Andrewbaba44

Dennis3D:
We just completed another design for a client.
This is one of the most sophisticated designs ever done on a small area of land.

We gave not just comfort, but we gave value for the land and client.

Total land area = 700sqm

Proposed building area = 228sqm

Features of the building.
It's broken down into three (3) parts
- Part 1 - Owner Occupied 4 Bedroom Duplex with 5 Toilets and 4 Bathrooms.

- Part 2 - 2 Units of 1 Bedroom Executive Flat with all features present in it.

- Part 3 - 2 Units of 2 Bedroom Flats with 3 Toilets and 2 Baths in each of them.

External features of the design
- Existing 3 Units of flats in Bungalow form
- Car park for up to 6 Cars.

For your designs and construction services. Contact us at Dennis3D Design And Construction Limited.

WhatsApp | Call 24|7: +2347038166370
You can get to me any time and I am fast and very responsive as soon as I get your message.

We don't just Design and build homes. We Build dreams and turn them to reality through construction services.

Do you mean in addition to the 3 phases of the house, there is another bungalow in the compound that has 3 units of flats? A lil bit confused cos I did not see that in the 3d pictures you posted.

Torre gives the Ruiqi Puiq vibes. Great on the ball, nice body movements, I think his stature and the fear of being bullied might be the issue with his game time.

solihp:
That’s strange, maybe it depends on the bank. Chase Visa card worked for me. I don’t think you can use a Nigerian card, has to be some sort of dollar card.

You can also confirm from your bank to see if they are not blocking the transaction.

Thanks for your response, someone else also mentioned that I reach out to my bank that there’s a possibility the bank is blocking the transaction.

solihp:
Try a Visa card, that was what I used. US Mastercard didn’t work.

I tried with visa and Mastercard credit card, didn’t work. Do I have to use a Nigerian card?

Please how do I navigate the payment portal on AVITS website, I have tried making payments using my Canadian credit and debit cards all to no avail. I also do not see the option to pay in the bank (saw on this platform that payment can be made in first bank). Is there a special way to make online payments or do I need to use Nigerian cards?
@VisaZest and everyone

Afolavid:
We were dating (in a serious relationship, planning marriage this year) until we had a resolvable issue earlier this month but she doesn't want a resolution. She'd rather block me everywhere instead and move on. For context, I'm not asking for any single thing that I gave her back but she kept some money for me and we had a dialogue about it, that's what I'm trying to get back.

You have two options in my opinion:
1. Mediation - talk to people that she respects and knows the both of you well to intervene in the matter.

2. Use of force - contact law enforcement officers, incentize them and they will get the money off her.

Be prepared for the worse, a scorned woman can go to any length to prove a point. she can deny ever keeping any money for you, I am sure u do not have any written contractual agreement to this effect.

Afolavid:
Hello guys, I am in a serious issue and I'm looking for advice... I can't even believe this is happening!

I recently borrowed someone some money and also kept some money with them, it's into the million (#) and because we have an issue now, she blocked me everywhere and has refused to pay the money back, she's admitting she knows she owes the money but not talking about a payback, I know she has the money with her but doesn't wanna pay cuz she knows I'm not in the country and trying to use that to get back at me.

I hate deceit, especially coming from someone you supposedly trust, I want to collect this money back by all means but unfortunately, I'm not in Naija and I can't go at the moment, probably won't be going until later in the year. It would be easier for me if I were in Naija cuz I could easily track her down and collect it. Right now, she thinks there's no way to find her, that's why she's doing this. Also, this person used me as a guarantor for their job, she handles a lot of money for the company and this gave me a reality check that, if this person could show this attitude with my own money then I'm not safe as a guarantor either, but there is a clause, she forged my signature and I never filled/signed the guarantor form, she did it all by herself, the only thing I did was provide my company documents and personal documents, which she would have probably had access to somehow anyways.

She thinks the worst I could do is call her out on social media, but I don't even want to do that. What options do I have to recover this money back? If possible without going to Naija. Also, I have proof of lending her the money and keeping the rest with her. Thanks

First things first, what’s your relationship with the lady? Are you platonic friends, friends with benefits, ex-lovers??

Good game so far, Arujo has slotting in the defence like he never left. Would have been bad if Barca lost him this winter.

NuCypher:
If a person is PR and is earning over 100k in a year and cannot have saved 30k this year, then there's a big problem wrong with that person. That person needs a very strong lecture on financial management. I know this is besides the point made in your post, but it needs to get out there regardless.

There’s no right or wrong assertion to the statement of making 100k and having a savings of 30k per year. A whole lot of factors comes into play in determining if one can save up to that amount.

The major criteria that would determine if you can save up to that amount are
1. The standard of life you want to live.
2. Where you live and where you work (ease of commuting).

Let’s put some figures to it using Toronto as an example:
100k per year is a net pay of 5,800 per month if you want to save 30k per year it means you are going to live off 3,300 per month which is very possible for a single living a low lifestyle in a basement with no car no eating out, hanging out, very little shopping etc

Living off 3,300 with a mortgage and a car is virtually impossible in Toronto.

Tbh, 100k seems like a lot of money until one starts making it and realize that it’s barely enough to live a luxury lifestyle (mortgage, car finance, car insurance, fuelling, bills, property tax, condo fees, eating out, hanging out with friends, once a year vacation etc).

collinsoft:
I sincerely appreciate your genuine response and advice as well. I am opting out of the program and have equally written to the school for a refund of my tuition deposit. I will look at the PNP or even completely look at other countries to migrate to. I am a man of 41 years of age with a family of 5, an engineer with over 10 years of work experience in the into-plane refueling business operations. I was only looking at the study route as the easiest means to migrate.

Further advice would be welcomed.

I like the fact that you are able to quickly retrace your steps and you are willing to take advice and face your japa plans with more intent and knowledge.

amdman:
Buying businesses is one hidden gem that many Nigerian immigrants have not been able to key into yet. If you pull it off right, you will retire earlier.

I have been doing some serious research on buying a biz in Canada, unfortunately, not so many black immigrants have the knowledge. Most of the information I have gotten have been from the Indians as they seem to have the hack for such ventures. This been said, buying and running a biz is a whole new level ( involves time, patience, access to finance, regulatory compliance, staffing etc)

Pls let’s share more information on buying bizes/franchises. Most blacks are just focused on RE which is not a bad thing but we need to diversify our investment portfolio.

MysTeerioz:
Please let us give people the full picture and stop misleading them.

This particular quoted article clearly shows it is a term insurance that was renewed at an older age.
Most term policies ate for between 10-20 years and offer the options of renewal or convertibility.
Term policies are cheaper in the beginning, do not offer renewal options after age 65-70, and upon expiration of one term offers a higher premium.
For example, at age 30 you purchase a term 20 policy that costs $75, after 20 years your premium increases astronomically to as high as $300-$500 because you would be at age 50.
At this stage, most policyholders opt out and end up getting nothing but with permanent life insurance policies -whole life and universal policies- there is an option of your premium (even though initially higher than the term policy) having an investment component which builds a cash value from which money can be drawn either as a policy loan or a collateral loan and you definitely do not need to pay back this loan during your lifetime. Also, the interest from the loan can be deducted from your income tax when filed with the CRA.
There's a whole lot more benefit that I can not delve into because of the constraints of typing but my biggest advice to everyone is be very wary of those pushing term life insurance.
The insurance companies prefer to sell these term policies because there is a higher chance of them not paying out any benefits than permanent life insurance policies.
If you want to do more research, please look for a book called "10 secrets Canada Revenue does not want you to know" by David Moth
https://www.canada.ca/en/financial-consumer-agency/services/insurance/life.html
I have other resources I can share too.
Please educate yourself as Immigrants and do not fall for these agents that want to make a quick buck selling term insurance when your financial needs analysis shows you have a permanent need that needs coverage.

Ask yourself, how many new Nigerian immigrant have exhausted the tax free govt investment options. You have a tfsa limit of $7,000 per year which can be rolled over (if you have spent 3 years in Canada as a PR your tfsa limit would be $21,000), you have $2,500 RESP per child per year, you might even have up to a max of 31,560 RRSP limit, you also have a FHSA limit of $40k

My stand remains, if you have not exhausted the above options, Permanent life insurance (whole or universal) is not for you esp if you are doing so for the investment aspect. For most new Immigrants, what we need is a temporary life insurance that covers for any unforeseen circumstances during our working/active years while aggressively utilizing the govt tax free investing options.

As @amdman said in one of his posts “Life insurance is very important, but buy term life policies. The primary goal of life insurance is to protect your family so that they can maintain similar lifestyle if you pass early. If you were intentional with your investing in your working age, your family will not need life insurance to protect them when you are 65years because your savings will be significant and your children will be of working age themselves. Life insurance is to bridge the gap whilst you are still accumulating your investment”.

orjohn24:
My question is, are these agents selling to fellow Nigerians including extended family unaware of the investment losses involved in the insurance products they are promoting to newcomers, or are they just ignoring it? Many newcomers, including myself, are poorly informed on this topic, and it’s painful to learn [/b]the truth now!

1. [b]Most of the agents are not knowledgeable about the product they are selling. Once they meet with financially savvy customers they tend to run away.

2. Most of the agents by virtue of buying the policy are enrolled into the system (MMM) and they are lured into bringing new customers/ recruit new agents.

3. Some of the agents, are just outright greedy. They know the product doesn’t suit majority of their customers yet they shove it down the customers throat because of the high commission they will get.

NB: always do a thorough research before you path away with your money. There are a lot of schemes/scams out there (Pot selling, Vaccum cleaner, water purification etc)they deceive people with the low monthly payments and trap them with high fees and costs that are not commensurate with the product. Some told me to come buy vaccum cleaner for 8k cad, another told my spouse to buy cooking pot of 10k cad.

Pls don’t fight with your “extended family member” that sold you the product, he or she may not know better.

amdman:
First, his beneficiary only gets one leg of the policy if he dies, that is the insurance leg. The investment if forfeited to the insurance company.

Lets also look at fees.

Under a Universal Life Policy, your $600 monthly premium payment for the first 2 years goes towards fees. The insurance company paid the insurance agent $3k for your policy, paid his uplines (because they sell via network marketing) and incurred other costs. So for the first 2years, you practically have almost zero investment despite the fact that you have paid over $14,000. In addition, they charge the highest annual management fees compared to other mutual funds, meaning that in reality, your investment will not even grow at 5% because their annual fees are constantly eating into it.

Adding this picture to add context to your write up. For the first 6/7 years you are only getting insurance coverage while nothing goes to your investment until year 6/7 (cash value)

amdman:
I will try to summarily break down Whole life/Universal/Permanent Life Insurance (will refer to them generally as ULP) and compare them with a 20year Term Life Insurance Policy for the average 40yr old with no major existing health issues.

Under a ULP, the policyholder pays for both insurance and investment. However, the policyholder or the beneficiary can only get one benefit and not both. If the policyholder dies, his beneficiaries get only the insurance payment and forfeit the accumulated investment to the insurance company. Alternatively, the policyholder can end the policy and draw his savings or he draws the accumulated savings using various loan schemes.

Let me clarify with an example. For the average 40year old, healthy male, a ULP policy will average $600 - $1000 monthly or more for a $1m insurance policy. A portion of that payment goes to investment, while a portion goes to insuring him. If he dies at 55yrs, his beneficiaries will get only the $1m payout but will not get the accumulated savings. The insurance company will payout $1m and the accumulated investment will be forfeited to it. Practically none of the people selling this product will tell you this.

If that same guy bought a 20years Term life policy, he will pay $70 - $100 monthly as insurance premium. He invests $500 monthly in an S & P 500 linked mutual fund (which has returned an average of 11% over the last 20years). If he dies at 55years, his beneficiary will get $1m payout from the insurance company and $220,928.29 from his investment.

Aptly written, the agents are just pushing the ULP products due to the high commission they make of it. Using your above example, with a monthly premium of $800 per month, the agent will make between ($ 4,800 - $7,680) as commission. This is the reason there are several ULP agents out there esp within our community.

orjohn24:
But the one they sold to us combines life insurance and investment as family package , which they told us we could cash out big time with no tax and it risk free. This is now my hope as a newcomer, because newcomers are the ones who mostly buy it, no one seems to offer any counter-views about it

Take some time to read my previous comments on the subject matter. The agents really take advantage of the naivety of new comers and sell insurance products that are not suitable for their needs.

Na that cashout big time be the catch… also it’s not Riskfree you funds are invested in various financial portfolios

Kenn55:
You are correct. However, I think he is specifically talking about those kinds of insurance those agents are selling. It is a kind of hybrid insurance plus investment package and it makes no sense. If you read the details you realize that the risk of losses is too high.

It is better to separate your insurance from investment. I do insurance for insurance and investment for investment and not those nonsense they are tricking people to enrol which costs a lot.

I got tricked by one Nigerian agent when I first came to Canada so I got the package but I canceled it after 9 months when I had a better understanding of how things work. The day I canceled it, he begged me eeh, told me so much sweet stories to make me change my mind but I didn't. After I canceled it, he didn't talk to me again even till today

Let insurance be insurance let investment be investment, very important 💯

megastu:
I am still not convinced. Is the purpose of insurance to make money or to take care of loved ones in the event of Mishap of the policy holder (In most cases, the breadwinner)?

Exactly the purpose of insurance is to take care of loved ones in the case of a mishap to the policy holder, hence a basic temporary life insurance would suffice and cater for this. However, the insurance we are talking about in this context is those sellling permanent life insurance (whole life and universal life) these products are hybrid ( having a combination of insurance and investment).

Temporary life costs $40 per month ( insurance only)
Whole life costs $300 per month ( insurance and investment). The selling point to convince you to buy whole life are ( you are investing alongside being covered, you can borrow from your investment in the future tax free).

The average Canadian only needs a temp life insurance, while the rich Canadian can afford to get the perm life as they would have exhausted the other tax free investment options such as tfsa, RESP, RRSP, RPP)

Ask yourself, how many new Nigerian immigrant have exhausted the govt tax free govt investment options. You have a tfsa limit of 7,000 per year which can be rolled over (if you have spent 3 years in Canada as a PR your tfsa limit would be 21,000), you have 2,500 RESP per child per year, you might even have up to a max of 31,560 RRSP limit.

megastu:
How does the person who bought the product loose money?

You may loose your money in several ways:
1. If you decide to stop contributing to the policy before the 20 years period mark or whatever period that’s stated in your policy.
2. You may not get full value for money due to the high insurance fees when compared to investing your money in the govt investment options.

slydog:
Interesting, though I realized it's only one company that most immigrants insurance agents use and that's ivari.

But I do note that there are other insurance companies like the insurance companies of the big 4 banks and all.

So would u suggest I buy insurance from the big names and avoid d one that targets immigrants or not buy at all?

Several insurance marketers have tried selling those products to me but they have not been able to convince me as to why it is a good investment.

1. I would suggest that before you buy any form of permanent life insurance (whole or universal life) ensure that you have maximized all the available government forms of investments (TFSA, RRSP, RPP, RESP etc).

2. It is better for you to buy a temporary life insurance (term life) 20/ 25years for very cheap premium say $30 - $40 per month than buying a permanent life insurance for $500 per month. you can diligently invest the balance of $400+ in the options listed in 1 above.

3. Majority of the insurance marketers are just interested in the huge commission they make. They earn an Average of 50 to 90% of the your first annual premium. Don’t fall for their pressure. On various what’sapp groups u will see at least 10 Nigerians selling insurance.

4. Permanent life insurance products (whole life and universal) are for the rich folks and established biz owners, who have exhausted all the available govt investment options and are seeking ways to enjoy tax free investments. It is not for new immigrants, folks trying to get their feet established. Infact, for the universal life policy to make financial sense in the future, u need to be putting in at least $700 monthly into it..

oliverjiad:
with ₦4m would get it done

Thanks for the quick response

Pls how much will it cost to clear a 2018 Hyundai Elantra from the USA?

trollx:
Hello everyone!

I currently live in GTA Ontario, and considering moving from the city I am currently to London Ontario permanently with my family. I would appreciate if I can get people's opinion about living in London Ontario, is it an affordable place for family?, is it affordable to buy a house?, How is the Nigerian community like?, The job market?, The cost of living?, Safety?, Childcare subsidy in the region?

Thanks in advance!


I would appreciate a response from any Nigerian currently in London Ontario

London is a cool city to live in.

People relocate for various reasons and you need to tell us what’s driving your relocation from the GTA to london ( is it due to a change of job, access to cheaper housing, change of environment (serenity).

Isjaymoh:
Good day everyone, pls I have 4years experience as a nurse assistant but I stopped working early last year. What are the other documents to request from my employer aside from reference letter

Typically a well written reference letter in IRCC format is all you need, however, in some cases I have seen people add pay slips, job offer letter and Employee ID card.

As of the time I posted this, Students could work for more than 20 hours, this rule was recently changed. Also, due to economic issues (inflation and all) things are not the same anymore, it's now very difficult for students to get one job talk more of juggling two jobs.

kad199:
Pls how come she is doing 2 jobs? I thought there is 20hrs caps

leksite120:
Hello.
My pregnant wife and I will be coming to Canada by May. I am a student and she's SOWP. Her delivery date will be around a month after arriving. Please how much will cost us to give birth in canada(the least option), and possible information I need to know.

Please, I urgently need a response. Thanks.

1. Which province are you going to?
2. Do you have more than enough money to sustain you and your family without recourse to working for at least 4 months?