₦airaland Forum

Have you gotten someone?

hafdol:
Hi Everyone,

Please is there anyone here who has completed their WES verification here from Unilorin, I need some help and your plug. I can see on WES website that the transcript is to be sent electronically but the person who wants to help me said the process is different that the transcript will be sent through a courier and WES is gonna send an email to Unilorin for Verification, which means I'm gonna pay for both transcript and Verification separately.

I'm a bit confused about the process as what i can see on WES website is different from the process in unilorin. I'd really appreciate it if i can talk to anyone who's done this from Unilorin abeg

Thank you.

Hi guys. So, I have a new born baby.

Do I need to get an international passport for him for the PR application?

Hello. Sorry. What document(s) do I have to provide as ties to show that we are related?

ednut1:
uncle can be used for PNP like Manitoba or Saskatchewan if they reside there. For CRS points its only siblings

The people of Akwa Ibom have been enjoying the dividend of democracy all thanks to Gov Udom Emmanuel led administration.�

Governor Udom Emmanuel's governance has been nothing short of amazing.

Big ups sir!

Interesting read. Great that Gov Udom Emmanuel is allowing talent thrive in the state.

Good governance isn't hard! Udom setting example��

Low key, Gov Udom na Senior Man governor. Not capping at all!

It's quite obvious Gov Udom Emmanuel knows what he's doing. Big kudos to him

Gov Udom Emmanuel is doing tremendously well in Akwa Ibom. Well done sire!

Nothing to see here, just Gov Udom Emmanuel delivering good governance.

Fbmatt09:
Gov. Udom Emmanuel of Akwa Ibom has assured the host communities of the ongoing World Bank-assisted 8km IBB drainage of completion and inauguration of the project by December.
Emmanuel said this during an inspection of the project on Tuesday in Uyo.

He applauded the speed and quality of the project so far and reminded the contractors that there would be no excuse for the work to exceed December 2021.

Emmanuel commended the World Bank for keying into the state government’s effort to ameliorate the sufferings of the people, who were exposed to perennial flooding.

“We are here today to look at this perennial issue of flood that has been affecting this place for over 15 years.

“We are in government to solve problems that is why we decided to undertake this 8km drainage, designed to take flood water off Uyo, through this channel into major outfall drain.

“It is a World Bank assisted project in partnership with the state government.

“So, I want to appreciate the World Bank for partnering the state government because we could not have done it alone.

“The project you are seeing here is going to cost more than 50 million dollars by the time we finish.

“There are some things we do that a professional politician would not agree to do.

“A professional politician would never do this because people wouldn’t see it to clap hands. It costs so much to take flood water out.

“The money we used here could have taken many kilometers of roads, or constructed one white elephant project.

“But that is not what good governance is about. We take in totality what would benefit the people,” Emmanuel said.

He noted that the state government was equally partnering other bodies and agencies in the fight against erosion and flooding.

Earlier, the Commissioner for Environment, Mr Charles Udoh, said the 8km drainage was designed to link existing drainage from Atiku, Abak Road and Ring Roads 2 and 3.

Udoh said the design had given consideration to densely populated areas by ensuring that such areas were covered.

He added that other less- inhabited areas would be equipped with fencing to reduce risks.


Source

https://m.guardian.ng/news/akwa-ibom-drainage-project-to-be-completed-december-says-emmanuel/

Nothing to see here, just Gov Udom Emmanuel delivering good governance.

princelcc:
Hello folks,

Please could someone tell me how to get credit card in Nigeria? so as to use online to buy petty things like: register for domain names, web spaces etc.

Please help out!

with O3 Cards, one can enjoy enough access to money and even spend more money than they presently have. With either a Classic, Platinum, or Prestige card from O3 Capital with a credit limit from ₦100,000 to ₦1,500,000, it becomes very easy. What’s best? They don’t check your bank account before approving any purchase you make. All that is done is to make sure the user is qualified.

Like many financial tools, the credit cards from O3 Capital are not for everyone. Generally, the card is only given to individuals between the ages of 21 – 55 years who are resident in Nigeria, and specifically to just salaried individuals who earn a minimum gross monthly salary of ₦200,000 or entrepreneurs that have a 6 month average turnover of ₦200,000.

It is important to know that these are mere restrictions, not discriminations against anyone, because being financial tools, it can be dangerous when in the wrong hands.

But why is it important to own a credit from O3 Capital?

It’s easy to carry and easy to use. Their credit cards are accepted at all Verve receiving points nationwide.

You can buy now and pay later. If you don’t have the cash you need until your next payday, or for a major purchase, O3 Card gives you financial freedom.

You don't have to deposit any security, nor is collateral required. O3 Cards gives you access to credit without having to make any equity contribution or pledge any property as collateral.

All cards issued by O3 Capital have a nationwide acceptance, operate with no cutbacks from any bank account.

Applying to get credit card in Nigeria from O3 Cards is very easy. You just have to visit www.o3cards.com and apply for your preferred card. Your card gets delivered to you by courier at the address provided under 72 hours.

Aside this credit facility, O3 Capital are also fund managers. With their fixed income investment, investors deposit money and at maturity, they are repaid the principal amount they had invested with interest accrued. Investors who want to key into their fixed income savings can place funds under a fixed term (3-12 months) with the option to roll-over at maturity at highly competitive interest rates.

Credit cards, debit cards and prepaid cards are all different kind of cards we use as individuals to carry out financial transactions. However, these three types of cards differ in one way or the other.
It’s very likely these 3 cards have left you wondering how they’re different. There is rarely any physical distinction between debit, prepaid and credit cards. They are all cards (usually plastic) issued by financial institutions which enables the holder to withdraw money or to make purchases, cost of which is charged directly to the holder's monetary account.

Let’s take it gradually…

DEBIT CARD:
This is a card that lets you make secure and easy purchases online and in person. Money on the card is drawn directly from your bank account, meaning you’re not borrowing — the money on your debit card is yours, and you can use it to access your cash. That is to say a debit card is only used if the account holder has money in the bank. This card requires users to pay directly, as the card uses money from the holder’s account for purchases or ATM withdrawals.

PREPAID CARD:
A prepaid card is a card that you also use when making purchases. Yes, it appears to be the same with a debit card, but it goes further. Prepaid cards have a monetary value stored on the card itself, not an account managed by a bank.
The purpose of this is to limit one’s spending. When you decide to make use of a prepaid card, you determine how much money you want to “recharge” it with and the issuer opens an account for you, in which your funds get deposited.

CREDIT CARD:
A credit card lets you borrow money from a bank or other issuers, with the understanding you’ll pay back at a later date. It lets you borrow funds from a pre-approved limit to either withdraw or pay for purchases.The limit is decided by the institution issuing the card based on your credit score and history. Credit cards help to build one’s credit and cover emergency costs. However, it can also lead to debt if a user takes from it more than they can comfortably repay on time. Two types of credit cards exist — secured cards and unsecured cards. Secured credit cards require a security deposit, which serves as collateral if you miss a payment. Unsecured credit cards are the opposite. It doesn't require a security deposit when you apply, and they typically offer better terms. Recently, this has been introduced in Nigeria by the guys at O3 Capital. Those with a poor credit history may not qualify for an unsecured card, but they may have better luck applying for a secured card. No matter which type of card you’re considering, it’s best to look for one with minimal fees.

COMPARISON BETWEEN DEBIT, PREPAID AND CREDIT CARDS:
All 3 cards let you make secure and easy purchases online and in person.
Prepaid cards are, strictly speaking, not linked to bank accounts. This is in contrast with a debit card.
Credit cards let you pay for your purchases later. In simple terms, you are borrowing money from the credit card issuer, having it in mind that you will pay back the money at the end of your statement period.
While regular debit cards perform a real-time transaction from your bank account every time you make a purchase or ATM withdrawal, prepaid cards require you to load the card in advance via cash, cheques, online transfers or a visit to a retailer.
Prepaid debit cards are a good option for persons with no access to a bank account but don’t want to use cash for their online purchases.
While credit cards help to build one’s credit, debit and prepaid cards don’t.
Unlike credit cards, debit and prepaid cards don’t typically offer reward points on purchases and general usage.
You don’t necessarily need to have a regular bank account to get and use a prepaid card.
Any of these cards may have the logo of MasterCard, VISA, Verve or any other card scheme, and can be issued by a bank, and even non-banking financial institutions like O3 Capital.

Having read to this point, it should be easier for you to pick the right type of card for yourself. If you consider yourself fit for a credit card, or just need one in case of emergency situations, you can apply for any of the credit cards offered by O3 Capital Nigeria Limited.