Akuawofoy

How to Prepare for DV Lottery Interview as a Derivative

How to Prepare for DV Lottery Interview as a Derivative

A derivative is basically the eligible immediate family member who is deriving visa benefit for a principal applicant.

When it comes to DV Lottery, the derivative(s) does/do not influence the visa decision of the principal applicant. Meaning if the derivative fails to pass their interview for any reason, it will not impact the principal applicant’s visa unless in fraudulent cases.

{Now that we have clear this out of the way, let’s go to topic}

Basic Checklist

Interview Appointment letter; if you are not attending an interview with the Principal Applicant then you must have your interview appointment letter. This letter will be your means of entry to the embassy premises. But if you are attending interview together with the principal applicant, then one letter will suffice.

Confirmation page; this will be the DS260 confirmation page . It will contain the name of the derivative and the case number of the principal applicant.

Passport; valid and unexpired passport with minimum 6 months validity and minimum 2  used pages free.

Passport photo; (2) 2×2 inches or 5cm x 5cm color passport photo with your full name and DOB written on the back. DO NOT STAPLE

Birth Certificate; the original birth certificate and if you are unable to obtain it, please check the reciprocity page on the State Department’s website for your embassy’s procedure. 

Medical Exams; Typical, the medical exams results will be sent directly to the embassy  electronically. However, some U.S. embassies  still utilize hand delivered report by the visa applicant. So inquire from the medical facility if you might need to come back to pick up your results for interview day.

Police Clearance (s); if you meet the requirement for police clearance then make sure you have it or them. If you are unsure, please refer this video (insert video title)

Visa Fee; $330 per applicant. Derivatives are considered applicants at this stage and must also pay this fee. The fee must be paid in USD or local currency equivalent.

You may bring your educational certificates and work experience, but know that it will not be used in determining your visa eligibility since only the education or work experience of the principal applicant will be used in the visa approval determination.

If you are not attending this interview with the Principal Applicant, then you need to consider bringing relationship evidence and marital status evidence.

BUT if you are attending together, then there’s no need for you to also bring relationship evidence and marital status evidence.

If you have children then you have to go over this checklist for each derivative.

If you are derivative through who the eligibility is derived from, please WATCH my video on YouTube (WATCH THIS If Your DV Lottery Eligibility is Derived from Your Derivative)

New Opportunity to Teach in the UK

What Qualifications Do you Need to Teach in UK?

Qualified teacher status (QTS) is what you need to teach in most primary and secondary schools in England.

  • have an undergraduate degree of the same academic standard as a UK bachelor’s degree, 
  • have completed teacher training that meets the standard of a level 6 qualification 
  • be qualified to teach children aged between 5 and 16 years
  • have at least one school year 
  • have the professional status needed to be a teacher in the country where you qualified

So how can someone untrained  in UK qualify???

iQTS….what is it and how will that help me qualify?

iQTS stands for International Qualified Teacher Status! 

Beginning February 1, 2023, there is going to be an opportunity for those who reside outside of the UK to earn QTS to be able to teach in the UK.

There are six pilot providers approved to offer training:

Check out  >>Get iQTS for more information

Who can qualify??

Teachers with qualifications from:

  • Ghana
  • Hong Kong
  • India
  • Jamaica
  • Nigeria
  • Singapore
  • South Africa
  • Ukraine
  • Zimbabwe

IETLETS is not required from applicants whose educational instruction is done in English language

UK government plans on expanding the program to include all countries.

Process to become QTS ready

*Applicants will not have to travel to UK for their training. Rather, they would be able to training in partner schools and institutions in their countries or regions.

*Program fees starts from £9000

Apply for your teaching job and visa after QTS

You can apply for teaching jobs in England using a free, UK government-backed service.

You’ll also need a visa or immigration status allowing you to work in England. You can use this UK government tool to check if you need a visa.

You will usually need to find a job before you apply for a visa. Learn more about applying for the correct visa to teach in England.

Monthly IV Issuances by U.S Embassies & Consulates per Region for 2023 DV Lottery Winners

It’s the beginning of a new fiscal year, 2023 and interviews have already begun at many posts/embassies around the world. In October 2022, a total of  1,356 visas were issued to Diversity Visa applicants by 62 U.S. embassies around the world.

This is a breakdown of the number of diversity visas issued  and where they were issued.

The 5 top posts in Europe based on performance in the month of October 2022 (FY2023)

  • Algiers
  • Cairo
  • Yaoundé
  • Addis Ababa
  • Lomé

The 5 top posts in Asia based on performance in the month of October 2022 (FY2023)

  • Abu Dhabi
  • Amman
  • Bangkok
  • Kuwait City
  • Doha & Hong Kong

 

The 5 top posts in Europe based on performance in the month of October 2022 (FY2023)

  • Warsaw
  • Tashkent
  • Tirana
  • Frankfurt
  • Ankara

Top performers in South America Region in the month of October 2022

  • Lima
  • Georgetown

U.S. Embassy in Suva, Fiji is the top performer in Oceania in the month of October 2022

 

Only Montreal issued visa in the NA region in the month of October 2022

We hope that many more embassies will increase their working capacities and more interviews will be scheduled for DV lottery winners. Please check out Wofoy TV YouTube channel for more info.

 

How to Build Your Credit in America

Welcome to America, the home of “credit”. In my opinion, if cash is king then credit is an emperor in  America. Having physical cash can get you so far but having credit opens many opportunities to you.  Here is a simple  experiment, go to any of the hotels in your area to book a room, ask to pay in cash and see what happens. More often than not, they would want to have a credit card for the transaction. So as a new immigrant, you will have to learn to understand and embrace this culture of credit in America.

What is Credit? Who maintains the credit report and calculates the score?

  • Ability to have access to goods and services with the understanding that you will pay later. It may be a credit card or access to loans. There are 3 credit reporting bureaus : Equifax, Experian and TransUnion, they are non-governmental agencies responsible for maintaining credit report and calculating the credit score of all Americans.

What is a credit score?

  • It is the measure of your “credit worthiness”. It basically determines whether you are a high risk or low risk borrower.  A good credit score means you are a low risk borrower but poor credit score means you are a high risk borrower.
Image from Experian.com

 

Why is it important?

  • Loans
    • Your ability to secure loans such as  auto loan, personal loan, mortgage loan are determined by your credit worthiness.  A poor credit may disqualify you from getting approved for certain loans.
  • Interest Rates!
    • Having a good credit can offer you benefits such as low interest rates but a poor credit could put you at risk of high interest rates if you do get approved for a loan or  a credit card. Example: Person A goes to an auto dealership to buy a 2022 VW Atlas but your credit score is 720, which is good so you get approved for an auto loan with 9% interest rate for 48 months. However, Person B  with 810 credit score get the same car at an interest rate of 3% for 48 months.

Person A ends up paying $ 2,415.48 in interest

                 Person B ends up paying  $797.17 in interest

                Person B saves $1,618.31..That’s the impact of credit!

  • Some jobs may require it as a condition of employment.
    • Having a good credit is necessary for some jobs such as military, law enforcement, prison jobs, attorneys etc. Imagine the horror if criminals could influence our law enforcement officials with money. Our justice system is not for sale so to maintain the integrity of our judicial system, all the people connected to it are expected to be held to a standard where they can’t be influenced by money.

How to you build a credit as a new immigrant?

You can start with cellphone account

  • most cellphone plans do not require you to have a credit history or score, so this will be a good starting point.

Open a bank account where your paycheck gets deposited

  • Most banks offer their customers credit cards  after you have been with them time, you bank will offer credit cards to you

You can use credit builder loan accounts to help you build your credit.

  • A Credit builder loan account allows you to make monthly payments to be held by the bank or service provider and at maturity, you will get the money you paid back minus administrative fees. These monthly payments will be reported to the credit bureaus and missed payments will also be reported to the credit bureaus as well.

Pay rent

  • Some apartments report rent payments and missed payments to the credit bureaus. Making your rent payments on time and consistently could help boost your credit score

 

How do you lose or gain points?

  • Payment history
    • Making on time payment of bills and not missing a payment goes a long way to increase your credit score points. Doing the otherwise will cause you to lose point resulting in decreased score.
  • Credit Utilization
    • It is a percentage of how much credit you have used versus the total credit line. Having a higher credit utilization will have negative impact on your credit score and vice versa. The goal is to maintain a low credit utilization percentage so that you can gain points.

Example; if you have $1500 credit limit, keep the rolling balance under 20%. This will show other lenders that you have your spending under control and they can trust you with even more.

  • Length of credit history
    • It is the amount of time you have held that credit account for. This may go against  a new immigrant since you are starting from scratch. But one way to overcome this, is to be an authorized user on an older account of someone who has a good credit score. This will help boost your credit history. Similarly, a negative activity by that user could impact the authorized user. Been an authorized user does not necessarily mean you should be given a credit card on that account.
  • Credit mix
    • Having varied credit accounts such as credit cards, loans, etc., help boost your credit score.
  • Recent application
    • Every time you apply for a new credit card or loans, the lender performs a “Hard pull” on your credit report. This hard pull could result in loss of 5 points or more on your credit score. So, it is a good idea to not have as many hard pulls and avoid unnecessary credit applications that may result in hard pull. A hard pull may stay on your credit report for 2 years.
  • Derogatory information
    • This may be the result of having multiple nonpayment or an account going into collection. An account goes into collection when the original creditor/lender has been unsuccessful in collecting payment on a bill. And so, the lender sells the account to a collections agency which will attempt to collect the payment. Try and negotiate with the original creditor/lender to come to a flexible payment plan before your debt goes into collections. A collections action against any of your accounts could impact your credit for 7 years.

How do you check your score?

Please follow us on all social media platforms for great content.

graduation, teen, high school-995042.jpg

What Grades Qualify for the Diversity Visa aka “Green Card Lottery”?

For Ghana, you must have  a “C” average on the WASSCE or “D” average for those who wrote SSCE, with  credits (A1-C6) in at least six subjects including Core English, Math, Integrated Science  and three Electives.

For Kenya, you must have passed the Kenyan Certificate of Secondary Examination (KCSE) with a minimum average score of D – (minus). For those who wrote the examinations before 1986, the Kenya Certificate of Education (KCE) score must be a minimum of Division IV

For Burundi, you must have a Diploma D’Etat or Diploma A2

For Eritrea, you must have a minimum of five “D” grades on the Eritrean  Secondary Education Certificate

For Uganda,  you must have the Uganda Advanced Certificate of Education (UACE) “A- Level” or “O level” certificate with a minimum of one principal pass (Grade A-E) and at least one subsidiary Pass (Grade O) out of four subject exams or secondary pass out of four  total subject exams.

For Togo, you must have Diplome de Baccalaureate

This list will be updated as more embassies make this information available and accessible.

What do you think? Comment below!

en English
X