NewStats: 3,265,275 , 8,186,204 topics. Date: Saturday, 14 June 2025 at 08:05 AM 254g3k

Good morning all

Trust we are all doing fine!!!

Pls I would like to find out if it is possible to use same documents one used to apply for study visa over 6 moths ago, to now apply for open work permit, or reapply to get documents with more recent date?

Will appreciate responses... Thanks

Hi guys .. I’ve been a ghost reader for a while now but please I have a question that has been on my mind for a while now
Okay...I’m about to submit my application for Canada study visa but I seem to have a problem with the sponsors
My father is my sponsor and he has a company
So we actually planned to use the company which has over 1billion which is the total Credit balance for six months...but recently I saw a thread on twitter which says we shouldn’t use any company for our study visa so now I’m confused on what to do should I submit his personal ?... just that the personal is not huge compared to that one
His personal is 250m total credit balance for 6months
So please guys how true is it that I can’t use my fathers company when he’s the sole signatory to the and I’m just 19 plus the company will write a letter indicating I’m the CEO’s daughter plus bank’s reference letter will also show that I’m the sponsors daughter

And should i just submit both his company and his personal

What are my chances of being given a visa considering financial capability?






[/quote]

Honeysweetest:
WOW, Congratulations.
I will like to know,why did you go for post secondary school certificate course, is it se as graduate certificate program?

I’m switching career to health care. PSW is a professional course often seen as a first step towards health care and also high in demand. Would have preferred nursing, but it’s very competitive and expensive for international students.

[quote author=KellyTech007 post=117266588]


Hi Olokings , let me use this opportunity to ask this that has been confusing to me . Firstly, I want to say thanks for your contributions to this Forum.


I have more than Enough for this study Journey , the money is in a fixed that will be completed in Feb 2023

After Feb 2023 It will be liquidated then I'll have access to it then apply for my Visa , Not only is it in a fixed ,it's also a t of me and my Dad's Name (I'm the main signatory) .

I just graduated last year so I don't have any Job , but yes the fund is available . Also my dad doesn't have a good Job with good bank statement.

Please at this point how do you think I can show a strong proof of funds to the visa

Olokings,, please can you put me through on school ission ,, also want to know how to send my transcript to school

Peace634244:
Hi guys .. I’ve been a ghost reader for a while now but please I have a question that has been on my mind for a while now
Okay...I’m about to submit my application for Canada study visa but I seem to have a problem with the sponsors
My father is my sponsor and he has a company
So we actually planned to use the company which has over 1billion which is the total Credit balance for six months...but recently I saw a thread on twitter which says we shouldn’t use any company for our study visa so now I’m confused on what to do should I submit his personal ?... just that the personal is not huge compared to that one
His personal is 250m total credit balance for 6months
So please guys how true is it that I can’t use my fathers company when he’s the sole signatory to the and I’m just 19 plus the company will write a letter indicating I’m the CEO’s daughter plus bank’s reference letter will also show that I’m the sponsors daughter

And should i just submit both his company and his personal

What are my chances of being given a visa considering financial capability?

Hello darling, your father's personal balance looks perfectly fine to me. No, people have submitted company's and have been approved, but some have also submitted and been refused, if you ask me, since your father's personal balance is that huge please use his to be on the safe side, Canadian government has this mentality that a company doesn't belong to one person even if your father is the CEO, they still think there is a board of directors. So please if your father's personal has good inflow and outflow and no lump sums please just use his and you can put his company's own to just show his source of income explain in your SOP what your father does, the name of the company. I hope this answer is satisfactory

Frankielilbaby:

Hello darling, your father's personal balance looks perfectly fine to me. No, people have submitted company's and have been approved, but some have also submitted and been refused, if you ask me, since your father's personal balance is that huge please use his to be on the safe side, Canadian government has this mentality that a company doesn't belong to one person even if your father is the CEO, they still think there is a board of directors. So please if your father's personal has good inflow and outflow and no lump sums please just use his and you can put his company's own to just show his source of income explain in your SOP what your father does, the name of the company. I hope this answer is satisfactory

Yes thank you sooooo much frankielilbaby

Or can he start again if can't wait to defer ission??

Larrypure:
Pls can someone with a low GP 2.5 continue studies in manitoba as a tranfer student??

I just received 2 'donotreply' mail on my email now and I am so scared to open itttttt.

ANGELAFELIX:
Good morning
How do I send my updated ission letter to ircc please?

Anyone??

Chymallchamps:
I just received 2 'donotreply' mail on my email now and I am so scared to open itttttt.

What does it say?

Kainos22:
MBS can be generated using your bank app. It is completely free if you are the recipient. It is delivered to your email address, and you can access it using your number or the last four digits of your number, depending on your bank. Running MBS tests helps you determine the best start date for your POF to show a healthy opening balance... or at least it did for me.

Did you self sponsor your application?

Chymallchamps:
I just received 2 'donotreply' mail on my email now and I am so scared to open itttttt.

Take a deep breath and open it. Good luck

Friends and family..........MY PPR HAS LANDED THIS MORNING OOOOOOOOOOOOOO!!!!!!!!!

I'M COMING WITH MY TIMELINE SOON.

Peace634244:
Hi guys .. I’ve been a ghost reader for a while now but please I have a question that has been on my mind for a while now
Okay...I’m about to submit my application for Canada study visa but I seem to have a problem with the sponsors
My father is my sponsor and he has a company
So we actually planned to use the company which has over 1billion which is the total Credit balance for six months...but recently I saw a thread on twitter which says we shouldn’t use any company for our study visa so now I’m confused on what to do should I submit his personal ?... just that the personal is not huge compared to that one
His personal is 250m total credit balance for 6months
So please guys how true is it that I can’t use my fathers company when he’s the sole signatory to the and I’m just 19 plus the company will write a letter indicating I’m the CEO’s daughter plus bank’s reference letter will also show that I’m the sponsors daughter

And should i just submit both his company and his personal

What are my chances of being given a visa considering financial capability?

GOD When?

Well from the little i know, you can comfortably use your father’s if it’s well above or just enough for your tuition + living expenses (+ miscellaneous). I hope this helps you and good luck.

Joedave25:
Friends and family..........MY PPR HAS LANDED THIS MORNING OOOOOOOOOOOOOO!!!!!!!!!

I'M COMING WITH MY TIMELINE SOON.

GLORY !!!!!
WOW CONGRATULATIONS
What a good way to start the day.

Joedave25:
Friends and family..........MY PPR HAS LANDED THIS MORNING OOOOOOOOOOOOOO!!!!!!!!!

I'M COMING WITH MY TIMELINE SOON.

Amazing, I would like to believe this is the last May applicant here any other may?

Joedave25:
Friends and family..........MY PPR HAS LANDED THIS MORNING OOOOOOOOOOOOOO!!!!!!!!!

I'M COMING WITH MY TIMELINE SOON.

Congrats

Thank you for your reply.
I havent really practiced the IT and I will like to garner enough knowledge about it so I can put it to good use. I am currently doing an online IT course tho. I feel that because of the study gap and it isn't related to my present business. that might be a problem during the visa application.

bepositive11:


Is there a reason why you want to go back to IT? I think it will seem like you didn't have much IT job opportunities in Nigeria, so you want to go to Canada and switch back to IT because of the better IT job opportunities they have.

Joedave25:
Friends and family..........MY PPR HAS LANDED THIS MORNING OOOOOOOOOOOOOO!!!!!!!!!

I'M COMING WITH MY TIMELINE SOON.

Congratulations �

jasperonyx:
Question ni ooo, studied psychology,but went into finance, worked in the bank and later ed his own company,which is into different buisness, now he wants to do master in either finance or buisness, is this possible since he studied psychology?
Also he has low gp,2.2. he is considering graduate certificate.
Any help, advise or Recommendation.
Thank you

Career advancement is very critical when considering a study permit application. In a bid to show that there is progression in his career, opting for a business or finance program is a logical progressive step for him. He stands a better chance to convince the visa officer about his intent to pursue the business course since he has been running a company of his own over the years.

It will end in praise

Joedave25:
Friends and family..........MY PPR HAS LANDED THIS MORNING OOOOOOOOOOOOOO!!!!!!!!!

I'M COMING WITH MY TIMELINE SOON.

Congratulations

Joedave25:
Friends and family..........MY PPR HAS LANDED THIS MORNING OOOOOOOOOOOOOO!!!!!!!!!

I'M COMING WITH MY TIMELINE SOON.

Congratulations

bepositive11:

I Do not understand your response please

Uchenation:


Thank you so much for your response. It is scanned statement the man wants to alter electronically for me. You said people have used it successfully won’t it be figured as fake by IRCC? Should I do it? that’s my fear as my agent says I will be banned if I submit a fake statement.
He further said like you mentioned too that if I don’t have money for POF interest I can have someone pay the money in my without any interest then I print out my statement immediately and send to him to review if it’s fit to be submitted or not and refund the person’s money. I don’t have anyone for now just my sister who can send 1MILLION to me. He also said if not I can do 2 months POF using “sale of property” as transaction description then print out and send to him.
The POF company I got in touch with is asking for 3.5% and just two days ago I stumbled on Naija digital @3-3.4% they said they will do 3.2% for me.
My questions actually now are;
1) What do you advice I do? Won’t it be an issue at port of entry if I’m asked to show SOA when I finally get approved?
2) Has anyone successfully used Naija digital for POF please I need vouchers.
3) What do you advice I do. PS: I can’t afford POF for 6months because my savings might finish trying to do that, if push comes to shove I’ll have to go for it.

Thank you all as I await responses

Hi Uchenation,

Firstly, I must commend your agent on his or her truthfulness.

Secondly, could you please refrain from using the word (altered) in this thread. That being said, in the past, some IRCC officers or people associated with them do read on this platform, and this route you are about to take, as well as your post, is the reason why IRCC go more finding by scrutinising most Nigerian applicants, causing delays in their applications.

When it comes to Canada visa applications, financial false statement is a serious offence that will result in a ban. Please do not do this.

Finally, take your time building your POF or looking for someone to sponsor you. To be honest, you will need money to settle in softly in Canada.

Best wishes.

@ebaymaestroo,

You will need to remove the lien on your to generate MBS that will reflect those funds u placed lien on.Otherwise you may go for normal printout which is usually bulky.

I hope this helps!.

ebaymaestroo:
Hello Everyone.
Please I have concerns about a proof of funds aspect I'd like to clarify.

I am currently working on my bank balance and I have placed a significant amount on Lien. If I generate my bank statement, I always see it as part of my balance but if I check my bank app, the amount is not part of the balance, which is okay by me.

Now I heard that if I do not release the from lien and I generate MBS to the embassy, that Amount I placed on Lien would also not show in my statement that the VO would have access to. That if I want to do it that way, the best is for me to print and submit the bank statement instead of using MBS.


Please I would like to ask and seek counsel on the best approach towards an issue like this, because someone said I should still use MBS, that there is no problem. Anothe rperson said I should print bank statement and not attempt to use MBS.

Thanks

Hi, everyone. I requested a refund for my school fees and my school has sent the money back to Flywire. Now, Flywire is asking for the information of the originating , in order to process the refund.
Beneficiary no
Beneficiary name
Beneficiary address
Swift code

Which am I going to give them? I used Form A to pay the fees. Is it my fathers information or what?

Thanks

It’s PPR FAMILY!!!!!!!!!!!!!!!!!!!!!........My God has shown me Mercy...............He’s worthy of my Praise!!!!!!!!!!!!!

1ST TIME APPLICANT (DIY)

#iammorethanaconqueror
#whatGodcannotdodoesnotexist

#Mountainofmercy

My Timeline:
Application submitted - May 31st, 2022

Biometrics - June 3rd, 2022 (updated same day on my profile)

Upfront Medicals - May 14th, 2022

Medical updated to ed - July 13th, 2022

Eligibility Started around - July 22, 2022

The wait began…….

Week 5……………emailed IRCC copy of my medical and requesting for status update on same as it was yet to reflect on my profile

Week 8………………requested for GCMS Notes precisely August 1st, 2022 yet to arrive.

Week 11………August 11, 2022..…(3 weeks away to September 6th)….emailed IRCC pleading that decision be taking on my application to enable me put certain things in top shape for my immediate family (Spouse & 3 beautiful Children) whom I will be leaving behind for my studies and as well tidy up in my office/ hand over properly before resumption. I also sent a webform.

Week 13…………processed Form A with my bank and remitted $4,500CAD to School. I raised webform and emails to IRCC, with copy of deposit receipt from school Cashier, telex copy of remittance attached.

Week 13........Emailed 7 MPs for assistance, two responded that they are constrained to assist applicants outside Canada.

Week 15………….September 15th…sent webform and email to IRCC pleading for decision on my application so that I can take concrete steps towards my study plans given that deadline for school resumption for fall 2022 was same September 20, 2022.

Week 16………….wrote school deferring my resumption to winter,2023. Request approved by School of Graduate Studies (SGS) and Letter of ission for winter 2023 delivered within 3 days.

Week 17 …….sent the new letter of ission for Winter 2023 to IRCC, in a webform and emails.

Week 17………applied for CBSA Notes.

Week 18………. Oct 3, 2022…… BVL landed

PPR (port Request) ……….Oct 5, 2022

Within this period of waiting, I trusted God like never before, prayed, fasted visited Mountains for prayers, read the book of Psalms mostly and got more committed in Kingdom stewardship and services.

DOCUMENTS SUBMITTED TO IRCC:

A.) *CONSENT PERSONAL INFORMATION - (Attachments)*

1.) Marriage certificate
2.) Sworn Declaration of Marriage
3.) Spouse Consent letter to travel for studies
4.) Children Birth certificates
5.) Certificate of Identification from my Local Government Area
7.) Wedding Photos (printed with date over 10years ago) & Nuclear family pictures
8.) I & Spouse Photograph (recent)
9.) My Dad & Spouse Photograph (recent)
10.) My Mum & Spouse Photograph (recent)
11.) Larger family group pictures taken Dec. 2021 during my bros wedding.
12.) Larger family whatsap group (Dad, Mum, Children & Wives) created July 14, 2017
13.) Whatsap Group for Male Children only created June 8, 2017
14.) Larger family group picture @ My bros Wedding, July 2019

*B. National Identity document -NIN*

*C. Data Page and Stamped pages (within the African Countries)*

*D. LETTER OF ACCEPTANCE - (Attachments)*

1.) Full Acceptance Letter from School
2.) Acknowledgement of Deposit payment from School
3.) Degree Certificate: Bachelor of Science
4.) Resume
5.) Professional Certificates & Trainings
• Procurement & Logistics Certification
• Proper warehousing process & Procedures
• Asset Management
• Procurement Planning
• Security for Bank Lending
• NIMN (hip Certificate)
• Credit Analysis & Risk Management Course
• Trade Finance Training
• Business Writing & Presentation Skills
• Mandatory Professional Capacity Building (CILRM)
• CILRM (hip Certificate) etc.
6.) Police Character Certificate & Thumb Print
7.) School Minimum Expense Form
8.) Affidavit – Declaration of good Conduct
9.) Affidavit of Return to home Country after Study
10.) E- Medical Sheet

*E. PROOF OF FUNDS: - (Attachments)*

1.) Statement of Purpose – SOP (9 pages)
2.) Zenith Bank Plc MBS
4.) School Acknowledgement letter of Initial Deposit
5.) Receipt of Liquidation of Investment
6.) Salary Pay Receipt slips - Consultancies
7.) Parent’s Letter of Moral with sum of
8.) Copy of Entitlement and allowances from Employer
9.) Authorization to Company to debit portion of my Entitlements as Staff Savings
10.) Contract letter of Consultancy Services
11.) MOU Employment paper with second Company
12.) Reference letter from CEO of the 2nd Company
13.) Copy of business (Whatsap) chats with my major Client – Car Dealer
14.) Copy of Ministry of Finance Invoice billed to Employer/addressed to me
16.) Offer of Employment letter (former employer – commercial bank)
17.) Copy of Commendation letter by the Regional Head dated May,2010 –former employer
18.) Copy of Commendation letter by the Group ED (former employer)
19.) Copy of confirmation of appointment letter –Former employer)
20.) Copy of Resignation letter from former employer
21.) Application for Study Leave (current employer)
22.) Copies of shipping documents of jobs done recently before submission of application

*F. ADDITIONAL HOME & ECONOMIC TIES - (Attachment)*

1.) Irrevocable Power of Attorney on 4 Plots of Land measuring
1,856.693 Sq meters belonging to me

2.) Deed of Conveyance on 1 Plot of Land measuring 442.784 Sq meters belonging to me
3.) Deed of Conveyance on One and Half Plot of Land belonging to me and my spouse measuring approximately 715.218 Sq mtrs valued

4.) Pictures of Ongoing Construction of 4 Units of 2 Bedroom apartments
Currently at decking Level on the t property with Spouse above

5.) Payment receipt of building materials purchased and copies of Chats
with Site Supervisor.

6.) Toyota SUV belonging to me purchased, Custom cleared & delivered January 2022 valued with the following attached
• Front Picture
• Rear Picture and custom papers
• Allocation of registration number by Lagos State Govt.
• Proof of Ownership & Vehicle License Registration
7.) Pension Fund Statement Balances

[/b]My apologies for the lengthy timeline. God helped me to package this application without any online/offline Agent. However, I will not fail to appreciate everyone who has contributed in enriching this platform. I promised I would give back to this platform in details (as it used to be back then) when my PPR arrive cos I have learnt a lot here. I earnestly pray that PPR will rain soon upon everyone waiting for it.[b]

Joedave25:
Friends and family..........MY PPR HAS LANDED THIS MORNING OOOOOOOOOOOOOO!!!!!!!!!

I'M COMING WITH MY TIMELINE SOON.

If you have that kind of money, use a business or investment pathway for PR directly.

Peace634244:
Hi guys .. I’ve been a ghost reader for a while now but please I have a question that has been on my mind for a while now
Okay...I’m about to submit my application for Canada study visa but I seem to have a problem with the sponsors
My father is my sponsor and he has a company
So we actually planned to use the company which has over 1billion which is the total Credit balance for six months...but recently I saw a thread on twitter which says we shouldn’t use any company for our study visa so now I’m confused on what to do should I submit his personal ?... just that the personal is not huge compared to that one
His personal is 250m total credit balance for 6months
So please guys how true is it that I can’t use my fathers company when he’s the sole signatory to the and I’m just 19 plus the company will write a letter indicating I’m the CEO’s daughter plus bank’s reference letter will also show that I’m the sponsors daughter

And should i just submit both his company and his personal

What are my chances of being given a visa considering financial capability?

Hi, everyone. I requested a refund for my school fees and my school has sent the money back to Flywire. Now, Flywire is asking for the information of the originating , in order to process the refund.
Beneficiary no
Beneficiary name
Beneficiary address
Swift code

Which am I going to give them? I used Form A to pay the fees. Is it my fathers information or what?

Thanks

Oboy, what and what did you write in a 9 page SOP??

Congratulations my bro.

Joedave25:
It’s PPR FAMILY!!!!!!!!!!!!!!!!!!!!!........My God has shown me Mercy...............He’s worthy of my Praise!!!!!!!!!!!!!

1ST TIME APPLICANT (DIY)

#iammorethanaconqueror
#whatGodcannotdodoesnotexist

#Mountainofmercy

My Timeline:
Application submitted - May 31st, 2022

Biometrics - June 3rd, 2022 (updated same day on my profile)

Upfront Medicals - May 14th, 2022

Medical updated to ed - July 13th, 2022

Eligibility Started around - July 22, 2022

The wait began…….

Week 5……………emailed IRCC copy of my medical and requesting for status update on same as it was yet to reflect on my profile

Week 8………………requested for GCMS Notes precisely August 1st, 2022 yet to arrive.

Week 11………August 11, 2022..…(3 weeks away to September 6th)….emailed IRCC pleading that decision be taking on my application to enable me put certain things in top shape for my immediate family (Spouse & 3 beautiful Children) whom I will be leaving behind for my studies and as well tidy up in my office/ hand over properly before resumption. I also sent a webform.

Week 13…………processed Form A with my bank and remitted $4,500CAD to School. I raised webform and emails to IRCC, with copy of deposit receipt from school Cashier, telex copy of remittance attached.

Week 13........Emailed 7 MPs for assistance, two responded that they are constrained to assist applicants outside Canada.

Week 15………….September 15th…sent webform and email to IRCC pleading for decision on my application so that I can take concrete steps towards my study plans given that deadline for school resumption for fall 2022 was same September 20, 2022.

Week 16………….wrote school deferring my resumption to winter,2023. Request approved by School of Graduate Studies (SGS) and Letter of ission for winter 2023 delivered within 3 days.

Week 17 …….sent the new letter of ission for Winter 2023 to IRCC, in a webform and emails.

Week 17………applied for CBSA Notes.

Week 18………. Oct 3, 2022…… BVL landed

PPR (port Request) ……….Oct 5, 2022

Within this period of waiting, I trusted God like never before, prayed, fasted visited Mountains for prayers, read the book of Psalms mostly and got more committed in Kingdom stewardship and services.

DOCUMENTS SUBMITTED TO IRCC:

A.) *CONSENT PERSONAL INFORMATION - (Attachments)*

1.) Marriage certificate
2.) Sworn Declaration of Marriage
3.) Spouse Consent letter to travel for studies
4.) Children Birth certificates
5.) Certificate of Identification from my Local Government Area
7.) Wedding Photos (printed with date over 10years ago) & Nuclear family pictures
8.) I & Spouse Photograph (recent)
9.) My Dad & Spouse Photograph (recent)
10.) My Mum & Spouse Photograph (recent)
11.) Larger family group pictures taken Dec. 2021 during my bros wedding.
12.) Larger family whatsap group (Dad, Mum, Children & Wives) created July 14, 2017
13.) Whatsap Group for Male Children only created June 8, 2017
14.) Larger family group picture @ My bros Wedding, July 2019

*B. National Identity document -NIN*

*C. Data Page and Stamped pages (within the African Countries)*

*D. LETTER OF ACCEPTANCE - (Attachments)*

1.) Full Acceptance Letter from School
2.) Acknowledgement of Deposit payment from School
3.) Degree Certificate: Bachelor of Science
4.) Resume
5.) Professional Certificates & Trainings
• Procurement & Logistics Certification
• Proper warehousing process & Procedures
• Asset Management
• Procurement Planning
• Security for Bank Lending
• NIMN (hip Certificate)
• Credit Analysis & Risk Management Course
• Trade Finance Training
• Business Writing & Presentation Skills
• Mandatory Professional Capacity Building (CILRM)
• CILRM (hip Certificate) etc.
6.) Police Character Certificate & Thumb Print
7.) School Minimum Expense Form
8.) Affidavit – Declaration of good Conduct
9.) Affidavit of Return to home Country after Study
10.) E- Medical Sheet

*E. PROOF OF FUNDS: - (Attachments)*

1.) Statement of Purpose – SOP (9 pages)
2.) Zenith Bank Plc MBS
4.) School Acknowledgement letter of Initial Deposit
5.) Receipt of Liquidation of Investment
6.) Salary Pay Receipt slips - Consultancies
7.) Parent’s Letter of Moral with sum of
8.) Copy of Entitlement and allowances from Employer
9.) Authorization to Company to debit portion of my Entitlements as Staff Savings
10.) Contract letter of Consultancy Services
11.) MOU Employment paper with second Company
12.) Reference letter from CEO of the 2nd Company
13.) Copy of business (Whatsap) chats with my major Client – Car Dealer
14.) Copy of Ministry of Finance Invoice billed to Employer/addressed to me
16.) Offer of Employment letter (former employer – commercial bank)
17.) Copy of Commendation letter by the Regional Head dated May,2010 –former employer
18.) Copy of Commendation letter by the Group ED (former employer)
19.) Copy of confirmation of appointment letter –Former employer)
20.) Copy of Resignation letter from former employer
21.) Application for Study Leave (current employer)
22.) Copies of shipping documents of jobs done recently before submission of application

*F. ADDITIONAL HOME & ECONOMIC TIES - (Attachment)*

1.) Irrevocable Power of Attorney on 4 Plots of Land measuring
1,856.693 Sq meters belonging to me

2.) Deed of Conveyance on 1 Plot of Land measuring 442.784 Sq meters belonging to me
3.) Deed of Conveyance on One and Half Plot of Land belonging to me and my spouse measuring approximately 715.218 Sq mtrs valued

4.) Pictures of Ongoing Construction of 4 Units of 2 Bedroom apartments
Currently at decking Level on the t property with Spouse above

5.) Payment receipt of building materials purchased and copies of Chats
with Site Supervisor.

6.) Toyota SUV belonging to me purchased, Custom cleared & delivered January 2022 valued with the following attached
• Front Picture
• Rear Picture and custom papers
• Allocation of registration number by Lagos State Govt.
• Proof of Ownership & Vehicle License Registration
7.) Pension Fund Statement Balances

[/b]My apologies for the lengthy timeline. God helped me to package this application without any online/offline Agent. However, I will not fail to appreciate everyone who has contributed in enriching this platform. I promised I would give back to this platform in details (as it used to be back then) when my PPR arrive cos I have learnt a lot here. I earnestly pray that PPR will rain soon upon everyone waiting for it.[b]