Please which will you suggest for a first time car owner in the uk?

Ralphlauren:


It depends on if you view a car as an appreciating or depreciating assest as well as the associated cost of maintenance including cost of spare parts.

HP - you are stuck with the car
PCP - you don't even need to wait till the end of the contract. You can go to another dealership, pick up a completely different car and they sort out your previous dealer.

payne4real:
Please which will you suggest for a first time car owner in the uk?

- How secure is your Job
- How comfortable are to subscribing to vehicle ownership
- Do you want to outrightly own the vehicle, after full payment is made
- Do you want to keep driving a new car, every 3 years (subject to deal )
- Do you fully understand both concepts of car ownership
- Have you weighed the consequences of a default
- Would you rather buy an older vehicle, for under £2000 (and pay cash)
- Once the nostalgia wears off, would you still be happy with your decision

Many more questions, but it's past my bedtime.......

At the end of the day, nobody can advice which option is BEST ...... Arm yourself with the conditions and make an informed decision............😁😂🤣


https://www.autotrader.co.uk/content/guides/pcp-vs-hp

Meanwhile more and more students just came in this January.

The crux is UK is broke and needs our money.

koonbey:



Switching before completing the course is abusing the system. Of course people are free to do it as it's legal but it's clearly a huge problem as those people take up spaces and then abscond thereby leaving the unis out of pocket but also depriving other people who genuinely want to study of the space since the unis cannot recruit ad-hoc after admission cycles.

I had a chat with an entry officer on my way back in from a trip recently and it's clear people are aware that the route is being abused. I just hope when the remedy comes it won't be too strong a shift to restrictions and loss of the current opportunities, because I know people will start screaming racism or 'right-wing' even though what has been happening is not something that they would entertain in their own countries.

lavida001:
Meanwhile more and more students just came in this January.

The crux is UK is broke and needs our money.

Did you say UK is broke or they have created a platform and charging over the odds, for people willing to tap into their investments ...........😁😂

How much does a home student pay in fees vs foreign students..........😜

Back in the days, home students did not a pay a dime..... Whilst foreign student paid over £15,000 per calender year ......... The Chinese students came in lorry loads, paying mega ........😁

Mamatukwas:


Just renewed ours. What’s the question?

Please what are the mandatory documents requested from the home office and what are the thjngs that could possible affect.

Thanks

lavida001:
Meanwhile more and more students just came in this January.

The crux is UK is broke and needs our money.

If that is true then why are they trying to curtail number of foreign students coming in?

Lexusgs430:



- How secure is your Job
- How comfortable are to subscribing to vehicle ownership
- Do you want to outrightly own the vehicle, after full payment is made
- Do you want to keep driving a new car, every 3 years (subject to deal )
- Do you fully understand both concepts of car ownership
- Have you weighed the consequences of a default
- Would you rather buy an older vehicle, for under £2000 (and pay cash)
- Once the nostalgia wears off, would you still be happy with your decision

Many more questions, but it's past my bedtime.......

At the end of the day, nobody can advice which option is BEST ...... Arm yourself with the conditions and make an informed decision............😁😂🤣


https://www.autotrader.co.uk/content/guides/pcp-vs-hp

Nostalgia wearing off got me laughing 😂

Hello Guys

Please anyone in Scotland Kilmarnock East Ayrshire able and willing to assist me with accommodation will be appreciated I would be arriving on the 28th and need a place to stay or rent. 1 bedroom is my choice but a shared apartment for a start will be very fine by me please it's urgent I would appreciate any help.
P.S- I have no dependents.

ukay2:


Nostalgia wearing off got me laughing 😂

You know it's a lovely thing to drive a brand new car (tear rubber)........

For the 1st few month's, the car go dey shack person ......

After a few month's and almost £2000 already paid + other financial pressures joining that long queue.......

Would you still love that car ............😂😜

Hi family,
Please I need clarity concerning IHS refund. I need answers and help. we are a family of 5 and we applied for IHS refund and it is now successful. and we will be refunded in 6 weeks.

but the card we used for the IHS payment was that of an agent in naija then. now the agent is claiming that she cannot refund the money when it is paid because she cant remember the card she used for the payment.

My question is can I tell the IHS REFUND TEAM that I want them to refund the money to another account.

please has anyone given IHS reimbursement team another account for the refund?

Lexusgs430:



You know it's a lovely thing to drive a brand new car (tear rubber)........

For the 1st few month's, the car go dey shack person ......

After a few month's and almost £2000 already paid + other financial pressures joining that long queue.......

Would you still love that car ............😂😜

Although I am based in Canada, what u have written here applies across board. From the short time I have spent in mapleland, I have come to realise that the major mistake most new immigrants make is financing a car. So many older immigrants have made that same mistake and they keep telling the newer immigrants not to make that same mistake but these pleas often falls on deaf ears. The adrenaline to drive a brand new car pushes a lot of immigrant into untold hardship.

To further buttress my point, in Canada as of today the average salary is $75k per annum which equates to 4K per month after taxes. The average 2021-2023 car costs approximately $800 per month coupled with insurance cost of $400 per month and fuelling costs of $300 per month. Before the twinkle of an eye, you are set back $1,500 per month because u want to drive a brand new car and show off to people that don’t care about what u drive.

I am preacher of the buy a older car cash down ($5k) and move on with ur life. 3 years down the line after u have gathered valuable investments (real estate, stocks, a biz) u can then buy the car of your choice.. This is the approach I have chosen, to each mallam his kettle😂

Many thanks @hustla. I appreciate

hustla:




London? Its like the easiest place to get casual jobs

Tell the person to download Obair work app and send a mail to mauro@appetite4work.co.uk or vilina@appetite4work.co.uk. They deal mainly with Event jobs

Said person can also tweak CV for Indeed.com jobs

Tynnah:
Many thanks @hustla. I appreciate

.

seunpinky:

Although I am based in Canada, what u have written here applies across board. From the short time I have spent in mapleland, I have come to realise that the major mistake most new immigrants make is financing a car. So many older immigrants have made that same mistake and they keep telling the newer immigrants not to make that same mistake but these pleas often falls on deaf ears. The adrenaline to drive a brand new car pushes a lot of immigrant into untold hardship.

To further buttress my point, in Canada as of today the average salary is $75k per annum which equates to 4K per month after taxes. The average 2021-2023 car costs approximately $800 per month coupled with insurance cost of $400 per month and fuelling costs of $300 per month. Before the twinkle of an eye, you are set back $1,500 per month because u want to drive a brand new car and show off to people that don’t care about what u drive.

I am preacher of the buy a older car cash down ($5k) and move on with ur life. 3 years down the line after u have gathered valuable investments (real estate, stocks, a biz) u can then buy the car of your choice.. This is the approach I have chosen, to each mallam his kettle😂

Lots of people I came in with have gone to take £1,000 iPhones and cars and I'm just wondering why.

Took a Pixel at £89 trade in with my Pixel 5 and I don't have to take on additional payments on my small student income

To each his own, I guess

By default, refunds go to the account payment was made from. Though not all agents, however, some agents are notoriously notorious!
As regarding your question, you might want to give the IHS biz service team a chat

semmyk:
Kindly checkout Fatima04 previous link and image. All the best.

Email: nhsbsa.IHSreimbursements@nhs.net
Worth cc'ing: Ihsrefunds@homeoffice.gov.uk
Website: NHS Business Services Authority

Adedoks:
Hi family,
Please I need clarity concerning IHS refund. I need answers and help. we are a family of 5 and we applied for IHS refund and it is now successful. and we will be refunded in 6 weeks.
but the card we used for the IHS payment was that of an agent in naija then. now the agent is claiming that she cannot refund the money when it is paid because she cant remember the card she used for the payment.
My question is can I tell the IHS REFUND TEAM that I want them to refund the money to another account.

please has anyone given IHS reimbursement team another account for the refund?

seunpinky:

Although I am based in Canada, what u have written here applies across board. From the short time I have spent in mapleland, I have come to realise that the major mistake most new immigrants make is financing a car. So many older immigrants have made that same mistake and they keep telling the newer immigrants not to make that same mistake but these pleas often falls on deaf ears. The adrenaline to drive a brand new car pushes a lot of immigrant into untold hardship.

To further buttress my point, in Canada as of today the average salary is $75k per annum which equates to 4K per month after taxes. The average 2021-2023 car costs approximately $800 per month coupled with insurance cost of $400 per month and fuelling costs of $300 per month. Before the twinkle of an eye, you are set back $1,500 per month because u want to drive a brand new car and show off to people that don’t care about what u drive.

I am preacher of the buy a older car cash down ($5k) and move on with ur life. 3 years down the line after u have gathered valuable investments (real estate, stocks, a biz) u can then buy the car of your choice.. This is the approach I have chosen, to each mallam his kettle😂

over sense de worry u
if you know you know.....

Lexusgs430:



You know it's a lovely thing to drive a brand new car (tear rubber)........

For the 1st few month's, the car go dey shack person ......

After a few month's and almost £2000 already paid + other financial pressures joining that long queue.......

Would you still love that car ............😂😜

A friend l adviced to buy a car with his cash de way l bought mine and moved on refused and he de hear am now, na why l de laugh....nostalgia....

Herbworks:


I’m currently sharing a double bed room with 3 others. As long as the manager of the shortlet approve of it no problem.

It’s better than sleeping in the cold

Pardon?

ukay2:


A friend l adviced to buy a car with his cash de way l bought mine and moved on refused and he de hear am now, na why l de laugh....nostalgia....

[/b]
People no dey hear word, the pressure and quest to [b]appear rich is putting people in unnecessary debts in the abroad.. They easily forget that a car is just an item to move u from point A to point B.

A car is not a status symbol abroad

A friend landed Canada some months ago and he was trying to convince me on why buying a car on financing is good. I asked him one simple question, if you were in Nigeria, would u be able to afford this car? He said No, I asked so why do u think u need it now. This was 2 months after he landed in Canada ooo.

Two key words are my mantra:
Delayed gratification
Budgeting

My two cent on this car buying. Car no be investment. Do not join bad wangon in buying and pay small small. Always check if you have chest for gbese and how much will remain in your income if all gbese are removed at the end of the month. As for me, I believe in pay once. Only thing I go do gbese for in this oyinbo land na House. A word is enough for the wise.

#Ire o

seunpinky:


People no dey hear word, the pressure and quest to appear rich is putting people in unnecessary debts in the abroad.. A friend landed Canada some months ago and he was trying to convince me on why buying a car on financing is good. I asked him one simple question, if you were in Nigeria, would u be able to afford this car? He said No, I asked so why do u think u need it now. This was 2 months after he landed in Canada ooo.

Two key words are my mantra:
Delayed gratification
Budgeting

l de tell you....l asked the guy if he has maxed out his £20k ISA account for NYSE stocks as April is fast approaching and he said he has not opened the ISA account l told him to open since January 2022 and cannot save anything because of the car financing taking out £600 per month for the next 4 years. He has learnt his lessons (101)....

Adedoks:
Hi family,
Please I need clarity concerning IHS refund. I need answers and help. we are a family of 5 and we applied for IHS refund and it is now successful. and we will be refunded in 6 weeks.

but the card we used for the IHS payment was that of an agent in naija then. now the agent is claiming that she cannot refund the money when it is paid because she cant remember the card she used for the payment.

My question is can I tell the IHS REFUND TEAM that I want them to refund the money to another account.

please has anyone given IHS reimbursement team another account for the refund?

No you can't.

Also I think you could have reached out to the agent first before requesting the refund.

Thanks for this

seyejohn94:

Yes, it may be worth considering switching to a different type of account now that you are no longer a student. Student accounts often come with special features and benefits, such as interest-free overdrafts(1500 for Barclays) , which may not be available with regular current accounts. By switching to a different account, you may be able to find better features and benefits that are more suited to your current financial situation and needs. You can also contact their service center.

seunpinky:


People no dey hear word, the pressure and quest to appear rich is putting people in unnecessary debts in the abroad.. They easily forget that a car is just an item to move u from point A to point B.

A car is not a status symbol abroad

A friend landed Canada some months ago and he was trying to convince me on why buying a car on financing is good. I asked him one simple question, if you were in Nigeria, would u be able to afford this car? He said No, I asked so why do u think u need it now. This was 2 months after he landed in Canada ooo.

Two key words are my mantra:
Delayed gratification
Budgeting

Totally agree with this.

ukay2:


l de tell you....l asked the guy if he has maxed out his £20k ISA account for NYSE stocks as April is fast approaching and he said he has not opened the ISA account l told him to open since January 2022 and cannot save anything because of the car financing taking out £600 per month for the next 4 years. He has learnt his lessons (101)....

@ the bolded.. Damnn!!

Ha 😳 why una go use agents for everything 🤷🏿‍♀️

Adedoks:
Hi family,
Please I need clarity concerning IHS refund. I need answers and help. we are a family of 5 and we applied for IHS refund and it is now successful. and we will be refunded in 6 weeks.

but the card we used for the IHS payment was that of an agent in naija then. now the agent is claiming that she cannot refund the money when it is paid because she cant remember the card she used for the payment.

My question is can I tell the IHS REFUND TEAM that I want them to refund the money to another account.

please has anyone given IHS reimbursement team another account for the refund?

I've been wondering how they did it ooo cos left right center na so so iPhone 14 I de see with guys like how 😳 e con be like na only me de use Xiaomi 100 pounds fone 🤣🤣🤣

hustla:



Lots of people I came in with have gone to take £1,000 iPhones and cars and I'm just wondering why.

Took a Pixel at £89 trade in with my Pixel 5 and I don't have to take on additional payments on my small student income

To each his own, I guess

[quote author=Ogbaba123 post=120411274]I'm in Scotland and mine unbelievably drove all the way from Manchester to get it done. Very nice man

https://babycircumcision.org.uk/

@Ogbaba123 Really!!!! How much did it cost to get it done please. I'm already on a wait list for another 2 months. I can't wait that long please. Baby will soon turn 1 month. Where in Scotland are you? I'm in Glasgow.

Hello Ancestors in the house,l am in the process of rebuilding my credit score.I learnt I can either use credit card or canopy app.Of this two which is more effective pls?

TIA

ukay2:


l de tell you....l asked the guy if he has maxed out his £20k ISA account for NYSE stocks as April is fast approaching and he said he has not opened the ISA account l told him to open since January 2022 and cannot save anything because of the car financing taking out £600 per month for the next 4 years. He has learnt his lessons (101)....

Can you tell me about this ISA and NYSE stocks thing or point me to where I can read and learn about it.

Pogracious:
Hello Ancestors in the house,l am in the process of rebuilding my credit score.I learnt I can either use credit card or canopy app.Of this two which is more effective pls?

TIA

Rebuilding credit is very different from building credit.........

What side of the divide are you ...........😉