Pearlyfaze:
Good morning Dear Ancestors, Please I need advice. I placed an order for items through Facebook, They seller is requesting that I give him the following
1. My email address for him to send a payment link.
2. I will pay him 95% cash on Delivery and 5% through payoneer which he will send to my email.

Please advise if I should run or keep insisting on paying via transfer.

ukay2:


How you take do am...make we de learn more and more

jumpshot:



Somebody help me please

Lexusgs430:
[/b]

Bank transfer is the worst form of transaction...... You have zero protection........

olizzz:
Hello everyone,
How much does it cost to renew passport in the UK?

kode12:


Make the seller swear by ogun Protection is guaranteed

Lexusgs430:




If only Ogun dey, we for give Boris to use am swear .........

Boris was a party ever held at Downing street, during the lockdown or not + did you attend ........ Oya swear, before you answer..........

Super1759:
Hi guys, I need a quick response or your opinion.

Migrating to UK or Canada, which is best for[b] an average Nigerian[/b] moving with family in terms or way of life, making money.

Thanks

Igbamatigbi:
Hello everyone, I came into UK October last year for a two year course, I intend to brin my kids and spouse in April God's grace.
Will they still pay the two years IHS fees? Please anyone that has gone through should please tell me

Someone said they will still pay the two years, so I decided to ask here for confirmation.
Thank you

Lexusgs430:
I had wanted to talk about SIPP (self invested pension plan)...... But been busy of late ........

In summary, it's your ability to buy shares, etf's etc etc...... Monies invested cannot be withdrawn, until you reach retirement......

The beauty about SIPP is, for every money you invest, your SIPP provider would put in a claim to HMRC, for a 20% cash credit into your SIPP account, which you would invest back into your SIPP account.........

To invest in SIPP, you would be charged £9.99 per month, when you open your SIPP account, the provider I use would give you a free share worth between £50 - £200.........

On the long run, it's a win - win for you ...... I think ......


I use freetrade for SIPP & GIA, if considering a SIPP plan, my referral link is still available.......


https://magic.freetrade.io/join/oyedeji/fda60720

mizGene:


Actually you are wrong. Based on that summary, she deserves to be struck off. Look at the last paragraph..
They claim she lacks insight, that means she has refused to take responsibility or even accept that she did anything wrong. If that is the case then, no way can they keep her on.
On the other hand, if she had admitted to making a mistake, that shows insight: that she understands she messed up. The next logical step would be that she accepts she is not up to par and she could be asked to take further training before continuing practice.

Igbamatigbi:
Hello everyone, I came into UK October last year for a two year course, I intend to brin my kids and spouse in April God's grace.
Will they still pay the two years IHS fees? Please anyone that has gone through should please tell me

Someone said they will still pay the two years, so I decided to ask here for confirmation.
Thank you

Yalekid:
I am looking to send a suitcase of shoes and electronics from London to Lagos. Does anyone know a reputable company that I can use?

ukay2:


What happens to NHS pension scheme and Stock and Shares ISA account and funds? Any advantage of adding SIPP to the already 2 accounts?

TheGuyFromHR:


You save more for the future, basically. Assuming your investments pay off, of course.
And you get your tax relief/top-up on the SIPP contributions, in addition to the relief at source on your workplace pension contributions.
If one has the NHS defined benefit scheme, that's as gold plated as it gets; [hopefully] the UK government will not go the way of the Nigerian government in relation to pensions.

kaylov12:


No, they did not but I asked them for a letter that says they would.

dubaiprince:


From my understanding, they will pay for 2 years if the number of months from the month you apply for them till when your visa expire is above 18 months.

Lexusgs430:


Which one you want, my matalan specials or primark brogues...............

ukay2:


What happens to NHS pension scheme and Stock and Shares ISA account and funds? Any advantage of adding SIPP to the already 2 accounts?

Igbamatigbi:
Hi, thanks, my course started in September, they will be coming in about 6-7 months into my course, just want d to know if anyone on this forum has had experience in this. Let me see how it goes. Thank you

Hila12:


Does it mean that once they agree to sponsor the maintenance £1270 (self) and £600 (wife and child) that we could literally access that fund upon request from the company once granted visa.

For example if I need all the money would they grant me after the Visa is secured?

Lexusgs430:
[/b]

Bank transfer is the worst form of transaction...... You have zero protection........

ukay2:


Please I need more explanations with figures in this SIPP contributions in relation to NHS pension scheme. I lready have LISA, Sock and Shares ISA accounts.

I saw the SIPP pension with freetrade app and I assumed l don't need it as I am already in NHS pension scheme.


Thanks.

ukay2:


Please I need more explanations with figures in this SIPP contributions in relation to NHS pension scheme. I lready have LISA, Sock and Shares ISA accounts.

I saw the SIPP pension with freetrade app and I assumed l don't need it as I am already in NHS pension scheme.


Thanks.

Pearlyfaze:


Thank you all for your advice, mission aborted.
Transaction canceled.

Thank you family

ritzzybaron:
Hello. So before you withdraw from your Pension account, what will you tell them? That you’ve moved? Please give me the scope.

Lexusgs430:



You can only have one SIPP account.......... You wan dey collect 20% from HMRC, at multiple points.......

Richy Dishi go come for ur neck ...........

TheGuyFromHR:


Basically, when you receive your salary in your bank account, your employer has already deducted the pension contribution (along with tax, NI, etc.) before you get it. So you can decide to invest money from your salary into another pension if you like. You can have any number of pensions, the government encourages saving for old age, which is the rationale behind the favourable tax treatment.

The NHS pension scheme, as I earlier pointed out, is a defined benefit scheme, meaning that you know how much you will get out of it when you start drawing it, and the government might adjust for inflation as well.

Private pensions (SIPP means self-invested personal pension), on the other hand, are called defined contribution pensions, which are basically savings accounts with investment aspects and tax-friendly treatment. You put in money, and it is invested in stocks and shares, and when you decide to retire (or are allowed to start drawing from it, at age 55 now in the UK, changing to age 57 in a few years time), you can only get out what you have put in plus any income accrued from the investments.

So you have to be careful with an SIPP and note that it is possible that one might eventually get out less than what you put in. On the other hand, your NHS pension is government-backed - the UK government guarantees you'll get your [specific amount of] money based on your final salary when the time comes.

Conversely, stocks and shares are the best hedge against inflation, which eats up any money you just leave in a bank account.

Generally, if you aren't up to following the stock market and investing, you could use one of the robo-investing schemes, such as Nutmeg where they do the selection of investments for you, take a fee and pay you the income on your investment.