veleta:
@Gratefulme40,you can apply for dependent visa in US once your baby gets his/her passport.Once the birth certificate is out,you should get both Nigerian and US passport then apply for dependent visa using priority service.

gratefulme40:



Awww.... thank you for your response.
I didn’t know I could apply for a dependent visa for my baby from outside my home country (I.e Nigeria).

LagosismyHome:


A friend of mine came back with the baby and then applied within the UK for the visa. She was rejected that she cannot make an in country application. She didn't want to go Nigeria so she went back to USA and applied there and had to wait till it was out then came back to UK...... so doing it immediately after the baby is born is a more organised way of doing it

spacyzuma:


Re: bold text. That's my plan too. For a year or less.
Although my big eye is still making me look at Nice, (relatively-)New Cars

Lexusgs430:



You don't even have to wait for your insurance status to normalise........

Some PCP offers fully comprehensive insurance included......

dustydee:
I have heard some financial experts describe PCP as the most wicked financing scheme available. It doesn't make much sense to me. I would rather have equity in the car.
Look at it this way. You must pay for the lost value of the car and then other costs including interest and profit for the provider. If a car is worth 20k and loses about 3k as soon as you drive out then that 3k will be passed to you and if it depreciates to 10k at the end of the contract, you would most likely have paid about 15k. The company can go ahead and sell the car for 10k and leave you with nothing, all your money gone like that. Not even deposit money for another car.

LagosismyHome:


Lots of people are doing PCP route these days as it affords them the luxury of driving newer or better cars that they might not have been able to drive on a cash and carry system.... I personally stick to my budget and do cash and carry but i seen so many of naija friends doing PCP route

i think in both system, a car is a depreciating asset so you cannot win either way ........... So hey people then go through PCP route, its one life to live then enjoy it comfortably . But you are right once you start the PCP route you end up staying in that route for a long time because you cannot say let me sell this car and add to buy another .

Lexusgs430:



Horses for courses.......... People should decide what plan works for them best..........

You could buy a banger, use it trouble-free for a few years...... But if you would rather drive a tear rubber... We only live once........

PCP or Banger........ Work out what works best for you.......

Inkredible:
I go disagree with una small. No be everybody wey buy expensive/ recent car wan impress you or tell you say him don arrive.

1: You no sabi how much him get o. So you can’t be really sure if he can or can’t afford it.

2: Big congested cities and Outskirts of towns no be same thing. One requires you must have a car to commute and the other, not so much. Bus service kuku dey sef. Referencing the scooter.

3: (my personal favourite ) Yolo!! If you can afford Tesla model S as a first time car, unku/ aunti, goan buy eet. Me I go like private jet but I no go run go collect loan on top say I wan buy one. Get it?

So to you reading this and considering car to buy, goan buy what you can afford. Emphasis is on “afford”.

If you wantu pepper dem too, abeg pepper dem joor. Who am I to tell you otherwise?

Una dey well.

CowbellY:


LOL. This is the naija mentality!

Pepper Dem!!!

LagosismyHome:


Lots of people are doing PCP route these days as it affords them the luxury of driving newer or better cars that they might not have been able to drive on a cash and carry system.... I personally stick to my budget and do cash and carry but i seen so many of naija friends doing PCP route

i think in both system, a car is a depreciating asset so you cannot win either way ........... So hey people then go through PCP route, its one life to live then enjoy it comfortably . But you are right once you start the PCP route you end up staying in that route for a long time because you cannot say let me sell this car and add to buy another .

Inkredible:


Oya o. You got the attention you ordered.

Aphrodite007:


As usual, I love you and your contributions, but this time you’ve got an incorrect perception. This is pcp not hp. People doing pcp don’t care about buying the car, they just want to drive it. After a while, when you’re tired (provided your credit score is good enough) you can change the car to the next latest car or less and pay more money or less respectively.

PCP is cheaper than HP with no MOTs or sometimes, no insurance premium included (most PCPs sef, you will never need to take the car to mechanic, the dealer with sort it for you). The only clause is, as far as you can keep up with the payments, don’t jamb the car and have a good credit rating, you’re good to go.

As far as you live within your credit means, you’re good to go. The problem arises when you earn 1k monthly not your PCP is 5h

LagosismyHome:


@bold .... ok if you say so. How did you sample that reason. If that the reason for you , where is the evidence that that is the reason behind all PCP and not just your own personal take. ...... the option of balloon payment shows some people do care about buying the car

Also A PCP is a form of hire purchase (HP) ....

Aphrodite007:


Because it’s common sense.

For HP, you pay more monthly during the payment duration and this makes the car more affordable after paying for it for 3-4 years but PCP is always so cheaper monthly then so expensive to buy the car after 5 years.

After driving a car for 4-5 years, most people get bored and would want to change their car, also, statistics show that the cars break down after full making the final payment (after the 3-4 years of expensive HP monthly payments). So why don’t you just switch the car and start another PCP. You’re not bound by any rule to by at the end of the term.

Consider a TV set. Imagine doing HP for a 32 inch tv for 4 years, only for you to make the final payment and find out that theres a 50in with WiFi connection, alexa and Netflix that is now out? E go pain you wella!

Like I keep saying: credit is good if you’re smart about it, not when you’re doing it because you want to show off rather than the need to enjoy the latest functionalities.

LagosismyHome:


So a car will just break down after....... cars break down after full making the final payment. . Evidence please

Some people buy used cars that are 10 years old and it never gives no trouble for 5 years and more ... My friend bought a brand new range rover and that car has been trouble here and there... either Hcp, PCP or cash buy buy a good performing car and it will ride well regardless of any payment schedule

If you want to do pcp that fine but what you just typed me too i dont agree

DisGuy:
Congrats @ umarwy

Still amazed how many of you guys did just a couple of lessons to pass your tests

My cousins just passed after doing about 55 lessons plus a lot of family help!! Well over £2k just to get on the road!

When rasaki the danfo driver is around the corner to teach u everything in one day!

nomad26:
@STENON, I don't think it's serious enough for you to use an immigration lawyer for a visitor visa. I am on tier 2 and applied for my folks last year with virgin passport and they got their visas. I've also just applied for my mum and brother this year too.
If your parents are paying for their trip themselves, then either yourself or your aunt can invite them. If their trip is being sponsored, then let the person paying invite them. Important things to note:
1. Funds - plan their budget well and ensure whoever is paying for their trip isn't spending a large % of their income or savings on the trip.
2. Proof that they will return back home - do they have jobs/businesses/investments/dependents/etc - make sure you include evidence of these in their application.
3. Try to make sure there are no large deposits in any of the bank statements you're submitting. If there are, then make sure you explain the source of the money in a cover letter.
Also, read through the uk visitor visa thread https://www.nairaland.com/5233246/general-uk-visa-enquiries-part/27 There's a goldmine of useful information there. If you have specific questions, post it there so you can get more relevant responses.

DaveChapelle:



Good idea...please takeur first application very seriously, if they deny it, it will always come up on future application. i would suggest you even use an immigration lawyer to make sure it is water tight....alsonote, Home office don't refund visa money....so you don't fund summer holiday for their staff....They have chop about 5 applications for my mum and brother....very painful

umarwy:
Hi guys I passed my driving lessons my second time on the 15th of July with two minors ( failed my first attempt on the 25th of june, cut the last corner to the test centre. Literally the last minute of the test).

I had 3 hrs Training in April then switched instructors and had 14hrs with my new instructor ( block booking savend me a few) before my first attempt and had just 2hrs a day before my second attempt plus 1hr on the test date. I also watched a lot of YouTube videos about driving mistakes, mock tests etc. About 100 hrs of YouTube. ( I know I am a YouTube addict)

Got my insurance today with admiralty ( not black box but similar, I get a device I plug into 12v power outlet for 6months and send it back to them) for roughly 1300.

Got my first car off a friend nissan note.


Things to note.

1 I got a 650-800 quotes when I was shopping for insurance with my provisional license, as I have had it for close to 2 years. But when I passed and was shopping for insurance I couldn't get anything below 1300..

2. Passing the test is just about being calm and relaxed, a few minors won't fail you. If you are on sure just wait and take your time to decide ( a lot of faults come from poor planning.


Good luck everyone.

STENON:
Just got my provisional driving licence,... Learning mode activated �

dustydee:
I have heard some financial experts describe PCP as the most wicked financing scheme available. It doesn't make much sense to me. I would rather have equity in the car.
Look at it this way. You must pay for the lost value of the car and then other costs including interest and profit for the provider. If a car is worth 20k and loses about 3k as soon as you drive out then that 3k will be passed to you and if it depreciates to 10k at the end of the contract, you would most likely have paid about 15k. The company can go ahead and sell the car for 10k and leave you with nothing, all your money gone like that. Not even deposit money for another car.

LagosismyHome:


So a car will just break down after....... cars break down after full making the final payment. . Evidence please

Some people buy used cars that are 10 years old and it never gives no trouble for 5 years and more ... My friend bought a brand new range rover and that car has been trouble here and there... either Hcp, PCP or cash buy buy a good performing car and it will ride well regardless of any payment schedule

If you want to do pcp that fine but what you just typed me too i dont agree

umarwy:


All the best. I used theory test pro. For my theory is cost 5 bucks I think

umarwy:
Hi guys I passed my driving lessons my second time on the 15th of July with two minors ( failed my first attempt on the 25th of june, cut the last corner to the test centre. Literally the last minute of the test).

I had 3 hrs Training in April then switched instructors and had 14hrs with my new instructor ( block booking savend me a few) before my first attempt and had just 2hrs a day before my second attempt plus 1hr on the test date. I also watched a lot of YouTube videos about driving mistakes, mock tests etc. About 100 hrs of YouTube. ( I know I am a YouTube addict)

Got my insurance today with admiralty ( not black box but similar, I get a device I plug into 12v power outlet for 6months and send it back to them) for roughly 1300.

Got my first car off a friend nissan note.


Things to note.

1 I got a 650-800 quotes when I was shopping for insurance with my provisional license, as I have had it for close to 2 years. But when I passed and was shopping for insurance I couldn't get anything below 1300..

2. Passing the test is just about being calm and relaxed, a few minors won't fail you. If you are on sure just wait and take your time to decide ( a lot of faults come from poor planning.


Good luck everyone.