How to calculate UAE gratuity pay

This post will give you a detailed guide on how to calculate your gratuity as a worker in the United Arab Emirates. You can use our formula to calculate your gratuity pay depending on contracts and service period.

Calculating your end-of-service (gratuity) pay is important. Knowing how the total sum is reached will help you identify any errors made by your company.

Contract Types

A limited or fixed term contract is where the employee agrees to stay with the company for a certain number of years with a set end date. Resigning before the end of this period could mean one or all of these; a labour ban, loss of labour rights or even payment of compensation to the employer.

An unlimited contract has no such period clause or number of years, and therefore, has no end date. However, a notice period of one to three months is applicable for termination of contract from either side.

Gratuity pay is calculated based on the your basic wage/salary paid into your account without additional allowances or bonuses.

Article 134 of the Labour Law clarifies what this constitutes:

"The wage used as a basis for calculating the end of service gratuity shall not include payments made to the worker in reimbursements, housing, transport and travel allowance, overtime pay, representation allowance, cashier’s allowances, children education allowance, allowances for recreational and social services, and any other bonuses or allowances."

No gratuity pay?

If you are terminated from your job, unless you break the rules as stated in Article 139 of the Labour Law, the employee is still entitled to gratuity pay. The rules in this Article state:

The employee shall be deprived of his/her end of service gratuity in the following two cases:

a - If he or she is dismissed from service for any of the reasons set forth in Article 120 or if he or she quits employment in view of avoiding the dismissal in accordance with the article. (This article deals with dismissal during or at end of probation, or due to charges of material loss, failure to perform basic duties even after a warning, interrogation, crime etc.)

b - If he or she resigns without notice in cases other than the ones set in Article 121 (if employer breaches contract or in case of assault), and such with regards to unlimited contracts, or prior to the completion of five years of continuous service in limited contracts.

Calculations for Limited Contract gratuity pay

Less than 1 year of service

Leaving work before completing one (1) year of service means that you are not entitled to any gratuity pay.

Between 1 year and 5 years of service

Employee is entitled to full gratuity pay based on 21 days salary for each year of work.

5 or more years of service

Employee is entitled to full gratuity pay based on 30 days salary for each year of work.

Calculation example

Basic salary example: Dh10,000

a. 10,000 ÷ 30 = 333.30. Your daily wage is Dh333.30.

b. 330.30 x 21 = 6,936.30. So 21-days salary is Dh7,000 (rounded up from Dh6,999.30) in gratuity entitlement for each year of service. Multiply this figure for every year of service up to 5 years.

For 30 days calculation for those exceeding 5 years of service

c. 333.30 x 30 = Dh9,999. So 30-days salary is Dh9,999 in gratuity entitlement for each year of service – so long as the total figure does not exceed total salary of two years.

Therefore, regardless of the years spent at a firm, total gratuity in the above example cannot exceed Dh240,000. 

Calculations for Unlimited Contract gratuity pay

Less than 1 year of service

Leaving work before completing one (1) year of service means that you are not entitled to any gratuity pay.

Between 1 year and 3 years of service

Employee is entitled to one third (1/3) of the 21-days gratuity pay.

Between 3 years and 5 years of service

Employee is entitled to two thirds (2/3) of the 21-days gratuity pay.

5 or more years of service

Employee is entitled to full 21-days gratuity pay for each year of service.

Calculation example

Basic salary example: Dh10,000

a. 10,000 ÷ 30 = 333.30. Your daily wage is Dh333.30

b. 333.30 x 21 = 6,999.30. So 21-days salary is Dh6,999.30

Of this figure of Dh6,999.30, only 1/3 is payable if you have worked between 1 and 3 years, so the total gratuity pay would be Dh2,333.10.

Only 2/3 is payable if you have worked between 3 and 5 years, so the total gratuity pay would be Dh4,666.20.

The full Dh6,999.30 is payable if you have completed 5 years.

These calculations are not to be treated as law, they are for your reference only. For any disputes or further clarification, contact the UAE Ministry of Human Resources and Emiratisation.

Formula

1. Basic salary ÷ 30 = Daily wage

2. Daily wage x 21 = 1 year gratuity figure (Or x30 if applicable)

3. 1 year gratuity figure x years of service = Total gratuity owed 

Only continue for Unlimited Contract calculation

4. Total gratuity owed ÷ 3 = One third (1/3) of total gratuity

5. Either take this figure (between 1 and 3 years) or multiply it by two (between 3 and 5 years)

6. For over 5 years, total gratuity owed will be payable.

Source: UAE Ministry of Human Resources and Emiratisation Laws.

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Stop Doing These 5 Things (Daily Habits) That Harms Your Kidney - Don’t Die Young Please

If you really want to live long and healthy please try as much as possible to avoid all the following things that will be mentioned below. Always remember that good health is better than silver and gold. There are lots of hope when you are alive.

HERE ARE SOME CARELESS HABITS THAT RUIN KIDNEY.

Generally, we all might have known about the shape of the kidney and how it works. We could be able to remember how the kidney works accordingly since we have been educated earlier. Being one of the important organs, the primary work of the kidney is to filter the harmful toxins and filters excess of water from our body naturally. The bean-shaped kidney is located just against the back muscle in the upper abdominal cavity of the human body . But people adapt some bad and careless habits which might be harmful to kidneys and it might also lead to kidney failure. 

Here is the list of some careless habits that we might be doing on regular basis that affect the kidney.

STAYING WITH BLADDER FULL

Urinating is the most important thing to do in our day-to-day life. Naturally, our body must flush out the waste from the bladder which is a highly essential and healthy thing for a kidney. When you remain with a bladder full for a too long period, then you are purposely getting your body into health issues. It might increase the pressure in the kidneys which will lead to serious issues. 

ADDITION OF EXCESSIVE SALT  

People should consume salt in a limited amount which will be good for their health. And if you consume salt more than the required amount, then it definitely destroys the kidneys. The fact is that sodium pushes your kidneys under risk when it is given pressure due to excess salt. So, it is highly recommended to add salt in a limited amount.

INADEQUATE WATER INTAKE 

Drinking water is indispensable in our daily life! You must consume adequate water to keep your body hydrated. If you are not consuming enough amount of water, then you are risking your kidneys. Insufficient water intake might have negative impacts on your health such as forming stones in the kidney.

INTAKE OF PAINKILLERS 

Well, you might have heard about people warning you not to take pain killers. But it is true because it affects the health of your body later or it might have side effects too. Even experts suggest that consuming pain killers regularly might cause serious damages to your kidneys. So, it has a negative impact not only on your kidney but also on the other parts of the body.

EXCESSIVE ALCOHOL 

When you consume alcohol more than the required amount, then it directly affects your liver as well as kidneys. Due to lots of pressure-induced on kidneys, it pushes the kidneys to risk. Excessive intake of alcohol increases the uric acid and leads to kidney failure by chance.

Be cautious of these careless habits, which you should have to wipe off! 

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How to Sponsor Your Wife or Husband in UAE [Spousal Visa]

In case you are planning to bring your spouse to Dubai or any other emirate in the United Arab Emirates and sponsor their residence visa, here is a guide to help you do so. 

Below is a list of requirements, qualification and steps based on an experience by one of our readers who have shared their experience with us. Please be guided accordingly.

Disclaimer: Be advised that if you have submitted the documents listed on this page, this does not guarantee that you will be granted a visa for your spouse. Information posted here only acts as a guide based on a first-hand experience by one of our readers who wanted to share their story. Dubai Immigration rules may change. It is best to contact proper authorities such as DNRD for their updates and for more information. Call DNRD at 800 5111 or visit their website www.dnrd.ae. 

Getting a UAE Residence Visa for Husband or Wife in Dubai

UPDATE March 2020: We called 4 typing centers to inquire as there seems to be a new process in this visa application for your spouse in Dubai. The requirements may still be necessary but the application can be done in the Typing Center already. If you are qualified, you will need to submit your documents to the Typing Center only.

Once submitted, the Typing Center will submit the visa application online. Wait for about 3 days for approval. Once approved, you will receive an email or an SMS to get your visa stamped. This is much more convenient now because it’s done online and there’s no need to go to the GDNRD office. 

Please still be guided in the previous system below. But be advised of the new system which involves submitting the documents to your chosen Typing Center.

Hi, my name is Daniel. I’d like to share my experience applying for a visa for my husband to help those who are planning to sponsor their spouses so they can stay together in the UAE.  We recently applied for a spousal visa (wife sponsoring the husband) at the Department of Naturalization and Residency Department (DNRD) office in Al Jafiliyah. This post outlines the process how I was able to secure a residence visa for a him.

Qualifications

Currently, INCOME and NOT profession is the main requirement for you to be qualified to sponsor your family. You only need to have a minimum salary of 4000 AED without accommodation (or 3000 AED with accommodation) to apply for a residence visa for family members.

First and foremost, you need to make sure you are qualified. In order to process a residence visa for your spouse, here are the qualifications:

Husband Sponsoring Wife in UAE
For a husband to sponsor his wife, his salary should be at least 4000 AED (or 3000 AED with Accommodation Allowance from his company)

Wife Sponsoring Husband in UAE
For a wife to sponsor her husband, she should fall under the following professions: Doctor, Engineer, or Teacher. her salary should be at least 10,000 AED in order to sponsor a husband. For women to sponsor their children, her salary should be at least 4000 AED (or 3000 AED with Accommodation Allowance from her company).

However, if the wife does not meet the requirements mentioned, like if she works in a different profession, she may make a petition to the committee. In this case, the basic salary requirement of the wife should be at least 10,000 AED (or 8000 AED with Accommodation Allowance from his company). Please note that this situation is handled case to case. It is important that you submit proper documents and requirements in order to have the a better chance of the visa getting approved.

Requirements/Documents for Visa Sponsorship

Here’s a list of documents I presented to DNRD when filing my application for UAE residence visa:

• Application Form (Done at Amer Typing Center)
• Salary certificate (in Arabic)
• Marriage Certificate (Attested by MOFA – Ministry of Foreign Affairs)
• Tenancy Contract (Attested by Ejari)
• Latest DEWA Bill
• University Diploma (of Sponsor) (Attested)
• Photocopy of Passport (Sponsor)
• Photocopy of Visa Page of Sponsor
• Photocopy of Passport (Dependent)
• Cancelled Visa Page of Dependent (if already in UAE and has previous visa)
• Passport Photos of Sponsor

Step by Step Procedure in Applying for Spousal Visa

1. Fill out Application Form – My husband and I went to an Amer typing center to have an Application form filled out. We paid 350 AED for this.

2. Submission of Documents and Approval at DNRD Office – We submitted our papers at the DNRD office. We went to the NDRD office located at Al Jafiliyah Metro station (that building with colorful artwork outside). The staff reviewed our documents to make sure everything is complete. If everything is good, meaning your documents are approved, then you will have to pay the necessary fees. We paid about 915 AED for fees. With this, we received a temporary residency permit (red paper). This residence permit is limited for a certain time. During this period, the dependent (my husband) needed to get  Medical clearance exam within 2 months.
Note: The situation will be different for every application. Getting approved may depend on the salary of the sponsor, job of the sponsor, etc. that’s why it’s best to comply with all the requirements. Still, each case may be handled differently

3. Medical Exam – we went back to the typing center to apply for a Medical Exam. The Medical test application cost us 420 AED. He was given the documents to present to Dubai Health Authority (DHA) when having the test. My husband went to the DHA clinic in Karama and had his blood test and chest x-ray test done. After about 2 business days, the medical results were delivered to our home. Results were “clear from infectious diseases” which is good.

4. Change Status Application – After securing the medical results, we went to the Typing Center again to have a change of Status. Since my husband was on a “temporary residence visa”, he needs to have the permanent residence visa stamp on his passport. We paid 550 AED for the Change of Status.

5. Emirates ID Application – In the same typing center, we also applied for an Emirates ID. We paid 370 AED for the Emirates ID application.

6. Passport Stamping – Went to DNRD office for the stamping of the visa in the passport. Passport visa stamping cost us 510 AED.

Application Fees

How much does a residence visa for a spouse cost?
Overall, we spent about 3,115 AED so I could get a UAE residence visa valid for 3 years for my husband. This includes the medical exam and the Emirates ID. Here’s a breakdown of our expenses based on the procedure above.

350 AED – Application Fees
915 AED – fees at DNRD (sticker, processing, etc.)
420 AED – Medical Exam (could be cheaper depending on the urgency of the test)
550 AED – Change of status
370 AED – Emirates ID Application (Emirates ID validity will depend on visa validity, in our case it’s 3 years)
510 AED – Passport stamping and other fees
3115 AED – Total Fees (Please be advised that this fee is not a fix price, there may be a change in fees without prior notice)
After going through all the process, we were able to secure a stamp for my husband. We were so happy after getting the stamp because he didn’t have to exit the country to change his visa status. Also, this gives us more time for him to find a better job for rather than just accepting whatever opportunity that comes along the way.
Note: It says in the stamp that my husband is not allowed to work. Otherwise, if he finds a job in a new company, he will have to change sponsorship (the company will have to process it for him).
The challenging part in this process is just securing all the required documents. Make sure the documents are properly attested. It took time for us because we had to request her diploma from her university back in the Philippines, and the process took us over 2 months to do so.

There are many Typing Centers in the UAE. These typing shops are authorized by the government to encode the details to whatever documents you are applying in the UAE. The staff in these centers will encode your details such as personal details and other contact information. In our case, we went to a Typing Center which is also near the DNRD office in Jafiliyah.

Other Tips and Things to Know

1. Based on our experience, the visa is not labelled as a “Husband Visa” or “Wife Visa” or “Spousal Visa”, it’s basically just termed as “Residence Visa” on the sticker.
2. Make sure you have completed requirements so that you can present everything to the government staff. It’s much easier for them to approve the visa if you have all requirements.
3. The approval of getting a visa for the husband would depend on the professional background of the wife, but it is still a case to case basis. 
4. For the wives who will sponsor their husbands, there is a ladies section in the DNRD so you can have priority when processing your application.
5. Based on our research, we found out that the process is similar as that of a resident sponsoring a family member (child, parent) in the UAE although the qualifications may be different.
6. There are other DNRD offices in Dubai. I think there’s on in Jebel Ali. We just picked the office in Jafiliyah as it’s the one nearest our home address.

Location Map of General Directorate of Residency and Foreigners Affairs Jafiliya – Dubai

This is where we went to go to the DNRD office. Below is a location map for your reference. Nearest metro station is Al Jaffiliyah Metro Station (Red Line). It’s actually right outside the station exit. 

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How to Apply For American Visa 2020/2021 - Full Guidelines to Getting Your U.S Visa Approved

This post will give you the most effective guide on how to Apply For American Visa 2020/2021 and Get any kind of U.S American Visa. Carefully read through this post to get all the information you need to know on How To Apply For American Visa 2020/2021 to get a faster and easier approval.

Are you interested in traveling to USA for an official duty, business, education, tourism or for other reasons? This is the right place for reliable information about the general requirements and guidelines for American visa application.  

Before you take a bite out of the Big Apple in New York City or smell the cherry blossoms in Washington DC, you need a visa to enter the United States. The visa application process can be quite tedious and application requirements can differ from country to country. So, as you review some of the cheapest flights to the US on airline websites on the internet, it is important to familiarize yourself with the application process before your embassy visit. 

How To Apply For American Visa 2020/2021

The U.S. is a country of 50 states covering a vast swath of North America, with Alaska in the northwest and Hawaii extending the nation’s presence into the Pacific Ocean. Major Atlantic Coast cities are New York, a global finance and culture center, and capital Washington, DC. Midwestern metropolis Chicago is known for influential architecture and on the west coast, Los Angeles’ Hollywood is famed for film-making. 

Types of American Visa

As a visitor, you would need to identify the various types of visa categories that you may want to apply which suits your purpose of travel. These categories include: 

• B Visa [B1 /B2] – (This is the visa category for Tourist, Medical and Business visitor)
• F1 Visa – Student visa
• K-3 Spouse of U.S. Citizen Visa
• K-1 Fiancé(e) Visa
• L-1 Intra- Company Transfer Visa
• J-1 Exchange Visitor Visa
• O-1 Extraordinary Ability Worker
• H-1B Specialty Work Visa
• H-2B Temporary Work Visa
• E-1/E-2 Investor Visa [Contact us for more info].

To successfully obtain a visa, you should take the following into consideration during your interview at the US embassy:- 

• Be able to make the consular officer understand the purpose of your proposed visit to the United States 
• Be precise on the number of days you will be spending in the country. Do not be uncertain of when you will be returning from your visit.
• Present a bank statement that proves you can take care of all your expenses during your visit to the United States without getting stranded. 
• Have evidence of residence outside of the U.S that will confirm you will return home at the end of your visit. 

Here are important items that should be on your U.S visa checklist before visiting the embassy:-

• A valid passport with a validity date at least six months beyond your intended period of stay in the country. 
• A completed non-immigrant Visa Electronic Application (DS-160) Form
• Have One(1) 2″x2″ (5cmx5cm) passport photograph. See the required photo format here. 
• A receipt showing payment of your US$160 non-refundable nonimmigrant visa application processing fee, which you must pay in local currency to any GTBank Branch. The Bank will provide you with the U.S. visa fee collection slip 
• The interview appointment letter confirming that you booked an appointment 

ALSO READ: Canada Visa Application - How to Apply for Canadian Visa and Current Canada Visa Fee in Nigeria 2020

Though not required, the following documents might increase your chance of getting your visa approved during your interview:

• A bank statement showing your proof of income in the last three month with sufficient funds that guarantees you can take care of your expenses during your visit 
• Certified copies of income tax returns or credit card for tax (optional) 
• A detailed record or itinerary on how you will be spending your trip 
• A letter from your employer detailing your position, salary and how long you have been in employment. For an authorized trip from your company, the employer letter should state this clearly. 
• For applicant(s) with criminal/court records pertaining to any arrest or conviction anywhere, it is important you include this with your documents and be ready to provide a clear explanation on the record to the consular officer 

Documents Required for American Visa 

Gather and prepare the following required documents before your visa interview:

• Passport valid for travel to the U.S. – Your passport must be valid for at least six months beyond your period of stay in the U. S.
• Non-immigrant Visa Application, Form DS-160 confirmation page
• Application fee payment receipt, if you are required to pay before your interview
• Photo – You will upload your photo while completing the online Form DS-160. If the photo upload fails, you must bring one printed photo in the format explained in the Photograph Requirements. 

Additional documents may be requested to establish if you are qualified. For example, additional requested documents may include evidence of:

• The purpose of your trip;
• Your intent to depart the U.S. after your trip; and/or
• Your ability to pay all costs of the trip.

Evidence of your employment and/or your family ties may be sufficient to show the purpose of your trip and your intent to return to your home country. If you cannot cover all the costs for your trip, you may show evidence that another person will cover some or all costs for your trip.

Visa Fees

Anyone applying for a U.S visa including children is  required to pay a non-refundable, non-transferable visa application fee, sometimes referred to as the MRV fee, before applying for a non-immigrant visa. The visa application fee must be paid whether a visa is issued or not. 


The type of visa for which you apply determines the fee amount.
Applicants for B, C-1, D, F, I, J, M, T, TN/TD, and U visas are to pay $160 to any GTBank branch. 
Applicants for H, L, O, P, Q, and R visas are to pay $190 to any GTBank branch.  
K-visa applicants are to pay $240 to the cashier at the U.S. Consulate General in Lagos. 
And E-visa applicants are to pay $270 to any GTBank branch.
Applicants for A, G, NATO, C-2, and C-3 visa are not required to pay any fee. The same runs true for applicants for J visas who are participating in certain U.S. government-sponsored educational and cultural exchanges.

Visa fee is also waived for a parent, sibling, spouse or child of a U.S. Government employee killed in the line of duty who is traveling to attend the employee’s funeral and/or burial; or a parent, sibling, spouse, son or daughter of a U.S. Government employee critically injured in the line of duty for visitation during emergency treatment and convalescence.

If the principal applicant is applying for an L-1 visa under the blanket L visa petition, the principal applicant must pay a $500 fraud prevention and detection fee at the time of their visa interview in the embassy. This must be paid each time a new I-129-S is submitted. The principal applicant may be required to pay a higher $2,250 border security act fee if this is indicated on the I-129. 

ALSO READ: How to Apply for UK visa in Nigeria (Easy and Simple Guide)

Finally, do not present false documents as fraud or misrepresentation can result in permanent visa ineligibility. 

We hope this article answers all your questions relating to:
US visa requirements 
american visa application requirements 
traveling to usa easily 
easy guide to getting us visa and other american visa related questions 
us visa appointment
us visa requirements
how much is us visa fee
american embassy website
us visa renewal
requirements for us visa interview
us visa appointment available dates 
american visa application requirements  

What’s your take on this post? 

We believe this article was interesting right, if yes, don’t hesitate using our share button below to inform your  friends on other social media platforms. 

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Canada Visa Application in Nigeria - How to Apply for Canadian Visa

This post will walk you through how to apply for a Canadian visa in Nigeria. The reliable guide and steps here will help you get your visa to Canada very fast and from the relevant authorities. Continue reading to understand the full procedures involved.

First, bear in mind that applying for a Canadian visa in Nigeria is a fairly long process. But it’s quite easy, and it is something you can handle yourself. 

Follow these simple steps to apply for Canada visa in Nigeria (Canadian visa):

1. Check your eligibility

Before you can be allowed to visit Canada, you must meet these conditions:

• You must have a valid international passport 
• You must be of sound health 
• You must be able to convince the Canadian immigration officer that you have a job, business, assets, or family that will compel you to come back to Nigeria after your short stay in Canada 
• You must have enough money to cover your stay in Canada 
• You must have all the requirements that must be submitted at the Visa application center. Visit this page to see the requirements .

You will not be allowed to visit Canada if you pose a security risk, have committed human right violations, have been once convicted of a crime, have a serious health problems, have a serious financial problems or have an ineligible family member accompanying you to Canada. In addition, your visa application will be declined if you lied in your application or interview.

2. Complete the visa application form

Note that before completing your visa application form, you will need to decide whether you’re applying for a temporary resident visa, student visa, or work permit.

There are two ways to complete your application form:

You can fill the form online (Visit this page to get the form) provided you have a scanner or camera to create electronic copies of your document for uploading and a valid credit card for payment.

Alternatively, you can fill the form offline. This option is recommended for Nigerians. Here are the steps involved:
Download the Temporary Resident Visa application forms and Instruction Guide on this page.
The instruction guide contains all the information that will help you complete your application form correctly and successfully. The completed application must include the barcode page.

3. Complete VFS consent form

Download the VFS consent form Here. Fill the form and attach it with your application form. If you don’t have this form — duly completed and signed — attached to your application, it will be returned to you.

4. Pay the visa application fees

Visit the Canada Visa Application Center (CVAC) to pay the required visa processing fees and the biometric fees. The center is located at No 16, Billings way, Oregun Industrial area, Ikeja, Lagos. Please note that you may be charged an additional $39.82 (N6,200) service charge at the CVAC.

You’re to pay in person by cash only at Bank Counter in the CVAC, along with submission of application. 

ALSO READ: How Much is Canada Visa Fee in Nigeria 2020/2021? – Current Canada Visa Fees

How to Apply for UK visa in Nigeria (Easy and Simple Guide)

How Much is UK Visa Fees in Nigeria 2020/2021 – See Price in Details

5. Submit your application package

At the Canada Visa Application Center, submit your application form and other required documents as well as proof of payment of your visa processing and biometric fees. Note that you will be required to give your biometrics at the visa application center. Note that visa applications are accepted from 8am to 3pm on Mondays to Fridays.

Once you pay your fees, you will be issued receipts. One of these receipts will contain a unique tracking number that you will use to track the status of your application online.

6. Track your application

Using the unique tracking number in your receipt, track the status of your application by entering the number on this page.

7. Wait for processing

A temporary resident visa to Canada takes 14 days to process.

8. Submit your passport

Once you receive notification from the Government of Canada requesting your passport, you can submit the passport and that request letter either in person at the CVAC or by courier to the CVAC address. 

Note that you will be required to pay passport transmission service charge of $31.86 (N4,950) at any GTBank counter to these details:

Note that you will enclose the payment for passport transmission along with the passport. Once the proof is received, your passport will be forwarded to The Deputy High Commission of Canada, Lagos.

ALSO READ: How to Apply For American Visa 2020/2021 - Full Guidelines to Getting Your U.S Visa Approved

Also enclose a self-addressed courier return envelope along with your passport if you want your passport to be mailed back to you once it’s ready.

9. Retrieve your passport

Once your passport is ready for retrieval you will be notified. You can either pick up the passport in person or send a self-addressed courier return envelope with your passport and request letter. 

If you have any questions as regards to Canada Visa Application in Nigeria, feel free to drop your comment using the comment box below.

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Toothpaste Pregnancy Test: How To Check If You’re Pregnant [Very Cheap and Fast]

This brief and precise post will guide you on how to use a toothpaste to check if a lady is pregnant.

Have you ever heard that toothpaste can tell you whether you’re pregnant or not? Believe me, this is an ancient trick that works most of the time.

What you need to do is pretty simple. The toothpaste pregnancy test involves placing toothpaste on a plate or in a cup and then adding a few drops of urine (early morning urine) to it and waiting for some minutes to observe some color change.

If woman is pregnant, the paste should change color and even froth. If she is not pregnant its appearance will not change at all. 

Feel free to try this simple test and see the wonders it works. 

Drop your comments lets know the result from your test and observations.

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University of Toronto Scholarships 2019 (Fully Funded) For All Nationality - Apply Here

This post will show you all you need to know to apply for University of Toronto Scholarships 2019 (Fully Funded) For All Nationality. 

University of Toronto is one of the best universities in Canada and in the world. It was founded in 1827 as King’s College and later changed its name to University of Toronto. This university was crucial to the development of Canada because it has produced 2 Governors General of Canada and 4 Prime Ministers. 

University of Toronto has produced many leaders in Canada and in around the world. This is due to the excellent education that this university offers. It is ranked 1st in Canada and 22nd in the world by the Times Higher Education World Rankings. In other rankings, it is ranked high also because of its excellence.

This university has around 44,000 undergraduate students and 17,000 graduate students who are taught by 2,500 excellent professors. They are located in three campuses in Canada located in Toronto, Scarborough, and Mississauga. So, do you want to study in University of Toronto, one of the fully funded universities in Canada?

University of Toronto Rankings

University of Toronto is ranked very high in the global rankings. In the 2019 World University Rankings, it is ranked 37th in the whole world. In the USNews Rankings, it is ranked 21 globally. In the Times rankings, it is ranked 22nd globally. This university has ranked consistently in the top 50 best universities in the world which means that it is top .1% best universities in the world!

These high global rankings from the major university ranking systems translates into the high academic standards of this university. It offers highest quality education to all students in a variety of fields such as engineering, science, and humanities. So do you want to study in one of the best universities in the world?

University of Toronto Tuition and Fees

University of Toronto’s Tuition and Fees are very expensive for international students. They are approximately $50,000 a year for bachelor’s, master’s, and PhD students. If you include the room and board that you would have to pay in University of Toronto, that would be approximately $70,000 a year.

$70,000 a year is very expensive for majority of students. To help international students pay for this high cost, this fully funded university in Canada has provided with several scholarships to help students pay for this expensive tuition. International students are eligible for these fully funded scholarships listed below.

University of Toronto Scholarships (Undergraduate)

University of Toronto is one of the fully funded universities in Canada. Fully funded means that it offers tuition and living stipends to students. However, you should keep in mind that you might need money for emergency and for necessities if your living stipend is not enough to cover your expenses.

President’s Scholars of Excellence Program

• Scholarship Amount- $10,000, guaranteed part-time, meaningful, on-campus employment in their second year, guaranteed access to international learning opportunity 
• Number of Recipients- 50 students 
• Eligibility and Application Procedure- Students are automatically considered for this scholarship after they are admitted to University of Toronto. Students need to apply for admissions to be eligible. For more information, visit President’s Scholarships of Excellence Page. 

Lester B. Pearson International Scholarship Program

• Scholarship Amount- Tuition, books, incidental fees, full residence support 
• Number of Recipients- 37 students per year 
• Eligibility- International students who wish to pursue an undergraduate program 
• Application Procedure- Students need to be nominated by their school by November 30th. Then, you need to apply for admissions at University of Toronto. Next, you will need to complete a separate scholarship form. For more information, visit Lester B. Pearson Page. 

University of Toronto Scholarships (For Graduates)

As a fully funded university in Canada, University of Toronto offers tuition and living stipend scholarships to international students. However, you should always have some money for emergency and other purposes even if you receive these fully funded scholarships.

Vanier CGS –A Tri-Agency Award (Ph.D)

Scholarship Amount- $50,000 a year (Tuition, living stipend, fees)
Eligibility and Application Procedure- There are many eligibility criteria and steps in the application procedure. The official scholarship page does an excellent job in explaining the steps. Please see Vanier Scholarship Page for more information about the application procedure and eligibility criteria.

Ontario Trillium Scholarship Program (Ph.D)

Scholarship Amount- $40,000 a year (Tuition, living stipend, fees)
Eligibility and Application Procedure- There are many eligibility criteria and steps in the application procedure. Please see Ontario Trillium Scholarship Program for more information.

Vanier Scholarships (Ph.D)

Scholarship Amount- $50,000 per year
Application Deadline- September 25th
Eligibility and Application Procedure- For a detailed guide about eligibility and application procedure, visit Vanier Scholarships Article. To see it in an official scholarship page, visit University of Toronto Vanier Scholarships.

More Scholarships for International Students (Master’s and Ph.D)

There are many scholarships available for international students other than the ones listed above. Please see External Scholarships, International Students Awards, Internal Awards, and Government Scholarships to access these scholarships.

Scholarship Application Dates

For Undergraduates: January 10 or January 17 depending on the field of study. Also, there is nomination deadline of November 30th for specific undergraduate scholarships. Visit this page for more information.

For Graduates: Application deadlines vary depending on the field of study. Visit this page for more information.


How to Apply to University of Toronto

You will need to submit an online application for both undergraduate and graduate program. Visit Undergraduate Admissions and Graduate Admissions for application procedure.

More Scholarships in Canada

There are many fully funded universities in Canada that offer scholarships to international students. To access these scholarships, visit Canada Category.

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Study in Canada – University of Winnipeg Fully Funded Scholarship (BSc, Masters and PhD) - Apply Now

The University of Winnipeg is a public university in Winnipeg, Manitoba, Canada that offers undergraduate faculties of art, business and economics, education, science and kinesiology and applied health as well as graduate and PhD programs. University of Winnipeg was established in 1967 when United College received its charter.

About Scholarship

The University of Winnipeg is committed to ensuring that all students have equal opportunities for higher education. Due to this mandate, there are support services and plans such as financial assistance to achieve this goal.

As an international student, you have many ways to fund your education. Unless otherwise stated, all full-time and part-time students are eligible to enroll in and attend classes as long as they meet the published criteria. In addition to these courses, international students have some special opportunities. We hope to highlight them for you here.

Scholarships and awards are available for undergraduate, master’s and doctorate degrees. All international applicants who are not native English speakers should provide proof of proficiency in English. Applicants who are lucky to get the scholarship would be automatically admitted into the University of Winnipeg.

Course Level: Scholarships and Awards are available for students in an Undergraduate, Masters or PhD degree programme.

Study Subject: Scholarships and Awards are awarded to study the subjects offered by the university.

Application Deadline: September 30th, 2019

Scholarship can be taken in Canada.

Scholarship Value: The President’s Scholarship for World Leaders ranges from $5,500 – $10,000 annually. Please see the application form for full details.

We are now accepting applications for 2019/2020.

Eligibility: To be eligible for this scholarship program, applicants must: 

• be International students. 
• have applied or willing to apply for a programme at University of Winnipeg. 
• be proficient in English Language.
• have good academic records. 

How To Apply: Automatic consideration – no test required.

Before you Start your application, make sure you meet all the necessary eligibility criteria

Fill out the basic registration form.

Save and submit once complete using applications on this page.

Candidates are advised to start scholarship application using the online system application on this page. 

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Apply For 8000+ Careers Opportunities in Canada – Apply Now Here

This informative post will give detailed guide on How to Apply for more than 8000 Career Job Opportunities in Canada.

There are many Careers Opportunities in Canada such as Online/Internet Jobs, Recruiting Agencies, Personal Relations, Career Centers & Fairs, Human Resource & Skill Development Canada, Newspapers & Application directly to the companies, regardless of the type of job you’re looking for, the more ways you use, the better your odds.

The profiles most in demand are workers that are electricians, civil, mechanical, Electrical, Chemical, Software, Metallurgical, Marine, Quality & Safety engineers, HR Executive, Food Packers, Fish Packers & Cutters, Waiters, Receptionists, Store Keeper, Drivers, Sales Executive and much more. You can find out more details below.

Minimal Salary: $4,000 Per Month.

Benefits & Perks: Yes

Job Type: Contractual & Permanent

Canada is actively seeking foreign workers and professionals to help grow its strong national workforce. – You can begin the search Here.

APPLY NOW BELOW

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Fully Funded Australian Scholarship For 10,000 Africans to Study at University of New England 2019 - Apply Now

The University of New England is pleased to offer varieties of scholarships for international students. Scholarships are available for postgraduate degree programme. The University offers a number of general and subject-specific funding schemes. The aim of the scholarships is to attract the best and most motivated people to University of New England.

The University of New England is a public university in Australia with approximately 21,000 higher education students. Its original and main campus is located in the city of Armidale in northern central New South Wales.

Applicants must have previous degree. The University of New England requires applicants from countries where English is not the principal language to provide a result of an IELTS test undertaken within 2 years of this application. Direct entry into Higher Degree Research courses requires an overall IELTS of 6.5. with no sub-band less than 6.0.

Scholarship Description:

• Course Level: Scholarships are available for postgraduate degree programme.
• Study Subject: Scholarships are offered over different departments across the University, all offering a diverse range of courses.
• Scholarship Award: A fixed rate of AU$27,082 per annum tax free for full-time candidates, paid in fortnightly instalments.
• Number of Scholarships: Up to 20 UNE IPRA’s are available to outstanding applicants.
• Nationality: International Applicants
• Scholarship can be taken in Australia
• Application Deadline: November, 2019

Eligibility for the Scholarship:

• Eligible Countries: International Applicants are eligible to apply.
• Entrance Requirements: A Scholarship holder:
  • must be an overseas student as defined in the Higher Education Support Act 2003
  • must have received an Offer of full-time internal HDR Candidature at UNE but not be enrolled.
  • must not be in receipt of an equivalent award, scholarship or salary providing a benefit greater than 75% of the Scholarship stipend rate, whilst in receipt of the Scholarship.
  • must not have completed a research degree at the same level as the proposed candidature, or at a higher level.
• English Language Requirements:  The University of New England requires applicants from countries where English is not the principal language to provide a result of an IELTS test undertaken within 2 years of this application. Direct entry into Higher Degree Research courses requires an overall IELTS of 6.5. with no sub-band less than 6.0.

See All Scholarships in Australia

Application Procedure:

How to Apply: Please make sure you read the International Students Scholarship Application Guidelines. 

Complete the International Students Scholarship Application Form. Detailed instructions are included on the form. Please make sure all required documentation is attached, or your application may not be considered.

Get the Application Form Here

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Dangote Entrepreneurship Loans - Apply for Entrepreneurship Loan Program of the Dangote Foundation

The focus of Dangote Entrepreneurship Loans on economic empowerment unlocks possibility of the individual and communal level. Our work in the field in globe health saves lives, helping families and communities thrive, both today and tomorrow. Our efforts on the program help ensure that individuals have the tools they needs to achieve the promise in their own lives.

Participants will be young aspiring entrepreneurs between the ages of 15 and 50 , with innovative ideas that must have a minimum level of qualification.

HOW TO QUALIFY FOR DANGOTE LOAN FOR ENTREPRENEURS 

To qualify for Dangote Foundation Entrepreneurship Loan Program, applicants must meet the
following requirements:

• Must be a citizen of a developing country
• Must be between 15 and 50 years old
• Must have a minimum of O level educational qualification

FORMAT FOR APPLICATION

First Name

Last Name

Email

Phone number

 I speak: English French

Yes, I am above 16 years old

APPLY>>>


Deadline: 1st December 2019

APPLY NOW>>>

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