Lifestyle
Meet the man making billions from your visa applications

If you’ve ever applied for a visa, chances are you’ve interacted with VFS Global, the world’s largest visa and passport services provider.
At the helm of this colossal enterprise is Zubin Karkaria, a visionary entrepreneur who transformed the cumbersome visa application process into a streamlined global operation. In the 1990s, while working with the Swiss travel company Kuoni in India, Karkaria observed significant inefficiencies in the visa application process.
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Applicants endured long waits at embassies, often travelling across cities and queuing overnight to submit their documents. Embassy staff were equally overwhelmed with administrative tasks, leading to delays and frustration on both sides.
This birthed VFS Global. Mr Karkaria was determined to find a way to make the process more efficient and systematic. So he approached the US embassy in Mumbai and for 18 months tried to convince them to outsource the administrative part of the work to his company. He went to the head of the visa section at that time and said:
Let’s work out a process where you still remain in control of the decision-making. But the way we do it is we scan everything and do all the administrative parts of your work… your visa officer gets the documents one day before, we do appointment scheduling that means you know who’s coming at what time … so you spend 90 per cent of your time in decision making.
The proposal worked, and VFS began operations in 2001, still a part of Kuoni, to support embassies with their administrative tasks including collecting documents, scheduling appointments and managing the logistics of delivering passports.
The company did not charge the embassy for its services but created a business model of receiving a service fee from individuals to make the entire process more efficient. The process was far from easy due to the complexities involved in terms of security, privacy and government approvals But having the US embassy as a client helped VFS bring other governments on board.
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To build trust, Karkaria implemented robust security measures and demonstrated VFS Global’s capability to manage complex processes across diverse cultures. He made significant investments in technology to ensure that the visa application process became more accessible and secure for applicants worldwide.
He explained that after the person at the counter collects the documents from the applicant, there’s a huge process that takes place at the back end. He said:

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We have to make sure that every passport goes with the right documentation. Every upload that has happened has to be 99.9 per cent accurate because there cannot be a mistake – even if your passport number, there’s a slight mistake, when you’re entering a country, you might be asked to go back. So, we can’t take a single risk.
From a single center in Mumbai, VFS Global experienced exponential growth over the next two decades. As of 2024, the company operates 3,558 centres across 158 countries, processing approximately 100,000 visa applications daily. To date, VFS Global has handled over 303 million applications and partners with 69 governments globally.
VFS Global’s success attracted significant investment interest. In October 2021, Blackstone Inc., a leading global investment firm, acquired a majority stake in the company. By 2024, VFS Global was valued at approximately $7 billion, underscoring its dominant position in the visa services industry.
Despite its impressive growth, Karkaria sees substantial potential for further expansion, noting that 65% of visa processing is still not outsourced. To capitalize on emerging technologies, VFS Global plans to establish Artificial Intelligence hubs in the UAE, Mumbai, Berlin, and Silicon Valley, aiming to enhance and innovate the visa application experience.
Mr Karkaria is confident that the market potential is massive. He says at this point, outsourcing visa services is “no longer an option” for governments.“
ALSO READ: Is the US still issuing visas to Nigerians?
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Lifestyle
9 important questions to ask your child after school every day

As a parent, connecting with your child at the end of each school day should be more than just a casual conversation. It should be a valuable opportunity to strengthen your bond, understand their emotional world, and support their growth.
Rather than settling for the typical “How was school?” which often gets a one-word answer, asking intentional questions can open up meaningful dialogue. Here are 9 important questions to ask your child after school, and why they matter:
ALSO READ: Prepare Your Child for the Future: 10 life skills they must learn before 13
1. What was the best part of your day?
Starting with a positive question encourages your child to reflect on what went well. It teaches them to focus on gratitude and optimism. You also get insight into what they enjoy most, whether it’s a subject, a friend, or an activity. This question fosters a positive mindset, emotional awareness, and helps parents celebrate their child’s small wins.
2. Was there anything that made you feel upset, confused, or sad?
Children won’t always volunteer negative feelings unless they feel safe doing so. This question gives them permission to share difficult emotions without judgment. It’s a powerful way to show that all feelings are valid and worth discussing. This question builds emotional intelligence, strengthens trust, and allows parents to offer comfort or guidance.
3. Did anything happen today that made you feel proud?
This question encourages children to recognize their own efforts and accomplishments. It shifts the focus from external rewards to internal validation and helps build confidence in their abilities. It would boost their self-esteem and promotes self-awareness.
ALSO READ: 54 biblical names for your child (with meanings and bible verses)
4. Who did you spend time with today?
Understanding your child’s social circle gives you a window into their friendships and peer dynamics. It also opens up conversations about values, inclusion, and how they’re navigating social interactions. This question will help you identify positive (or negative) influences in your child’s life.
5. Was there anything that happened today that made you laugh?
Asking about funny moments helps children relive joy and reinforces happy memories. It also gives you a glimpse into their sense of humor and what brings them happiness. This question would lighten the mood and foster a deeper emotional bond.

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6. Did you help anyone today or did someone help you?
This question instills empathy, gratitude, and awareness of others. It highlights the importance of kindness, cooperation, and being part of a supportive community. It reinforces values like generosity and teamwork, and helps children reflect on the give-and-take of relationships.
7. What’s something new you learned today?
This question brings attention to your child’s intellectual development and shows that you’re interested in their academic experiences. This promotes curiosity, academic confidence, and engagement with learning.
8. What was the most challenging part of your day?
Discussing challenges helps normalize struggle and shows your child that difficulty is part of growth. It also creates space to talk about how they approached the problem or how they might do so next time. This builds resilience, encourages critical thinking, and provides an opportunity for parental guidance.
9. If you could change one thing about today, what would it be?
This reflective question helps children evaluate their experiences and think about what they’d do differently. It teaches accountability, self-awareness, and the power of choice. This develops critical thinking and problem-solving skills while empowering children to learn from their experiences.
These daily conversations let your child know they’re seen, heard, and loved. Over time, they’ll open up more easily, trust more deeply, and feel more confident navigating life with you by their side.
ALSO READ: 7 Effective ways to wean your child off phones and iPads
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Lifestyle
How to deal with Nigerian aunties when they ask 'When will you marry?

If you’ve ever attended an African family gathering, you’ve likely encountered the unstoppable force known as the “African Auntie.” She’s usually a woman of wisdom, who’s known for the plentiness of their unsolicited advice.
They almost always think nobody’s life is complete without a spouse and a child. So, they’ll come at you with the question “when will you marry?”
If you’re a Nigerian adult (especially female, let’s be honest), this question is more inevitable than PHCN taking light. No matter how successful, brilliant, or peaceful your life is, there’s always that one aunt who treats your relationship status like it’s her prayer point.
The question is, how do you handle this annoying question without coming off as disrespectful? Here’s an ultimate guide that suggests many cool ways to deal with it. Let’s get right into it.
ALSO READ: Real Stories: ‘We dated for 6 years, but I’m not so sure I want to marry her’
The Polite Deflection
They’re your aunties and maybe uncles. Of course, we all know better than to be rude or disrespectful in this kind of relationship. So, it’s often better to choose the polite route. Smile sweetly and say:
“God’s time is the best.”
It’s vague. It’s diplomatic. It makes them pause – because who can argue with divine timing? It buys you several more months until the next family meeting.
Hit Them With the Reverse Psychology
Turn the table gently with:

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“Ah aunty, you haven’t found someone for me yet?”
This strategy always works because it leaves them with a realization that you’re also their responsibility. If you can’t get a suitor yourself, they should help you find one. So, they begin to scan all their memories for the names of the children of their rich friends. Use this as a cue to find your escape route before they turn to guilt tripping.
Use Career as a Human Shield
For those who want a more serious tone, try:
“Right now I’m focusing on building my career/business/spiritual growth.”
Say it with confidence and a small smile. While they want you to start a family, they also respect ambition. So they’ll likely calm down and let you be for the meantime. At least, you’ve bought yourself some meaningful time.
Drop the “Soft Drag”
This is for advanced players. Try a light jab cloaked in sweetness:
“Aunty, you married early, but did that stop your husband from stressing you?”
Then laugh and change the topic. This one’s risky but extremely satisfying if timed right. It doesn’t only jolt them back to reality, it is also a gentle reminder that you’re now old enough to think for yourself.
ALSO READ: 10 men share the red flags they watch out for when dating a woman
Quote the Economy
Blame the economy – because honestly, it deserves it.
“I’m still trying to afford my own rent, how will I now pay bride price?”
This one usually earns a round of understanding nods or a silent stare of defeat. They know the economy is bad, and they’re not even ready to contribute. So they’ll likely leave you before you ask them to sponsor your wedding.
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Lifestyle
Campus love vs real world dating – which one is scarier?

In Nigeria, lectures, studies, and assignments characterise campus life, and a sprinkle of romance here and there. Did you really attend a Nigerian tertiary institution if you didn’t try love?
I mean, it’s like a six-unit course that must be completed. But while campus love is a thing of dreams, beauty, and butterflies, there is a raging debate about which is truer between campus love and real-life dating.
Which one is scarier between the concepts? Hold on and walk with me as I unpack the romance rollercoaster that is Campus Love vs. Real World Dating—and why both come with their kind of wahala.
The Vibes Are Different
ALSO READ: 10 men share the red flags they watch out for when dating a woman
Campus Love feels like a Netflix romance blockbuster. You meet during group assignments, flirt at the library, or lock eyes in the reading room, pretending to be focused. At this point, life is simpler, and so, love is vibey. No rent, no fuel price stress – just vibes and vibes alone, with the one your soul longs for.
Real World Dating, on the other hand, is like LinkedIn meets. Before you even plan a date, you’re running background checks, dealing with trust issues, and asking existential questions like: “What exactly are we?” You may as well sign in with a therapist before you begin.
Money Matters
In campus love, being broke is part of the experience. You both eat Gala and Coke, walk instead of taking a keke, and “Netflix and chill” is often just “laptop and vibes.”
In real-world dating, being broke? A red flag. Dates now involve fine dining, Uber fares, and surprise birthday gifts. Financial stress becomes a third wheel in your relationship, and we all know how burdensome that can become, especially if you’re still struggling to find your footing.
Commitment and Intentions
Campus relationships can feel deeply emotional, but many don’t survive graduation. Once NYSC or job hunting kicks in, so does the ghosting.

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In the real world, people either want marriage, vibes, or something in between – and figuring out which one can take months. One moment you’re planning baecations, the next thing you’re begging your partner to explain what they mean by saying they don’t want anything serious.
So, Which One Is Scarier?
Honestly? Both.
ALSO READ: 7 red flags in women that men must not ignore
Campus love is scary because it’s intense but temporary. It feels like forever until it isn’t.
Real-world dating is scary because it’s slow, cautious, and emotionally expensive. You’re older, wiser, and maybe a little more tired.
But here’s the beauty: both teach you something. Campus love shows you your capacity for butterflies. Real-world love shows you your capacity for boundaries and growth.
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