₦airaland Forum

               

I am so sorry, I do not think I can say more , but I 'd suggest you go back and read all other people' posts who genuinely live in the uk, if you then still need more persuasion to face FACTS , then ?

you are so so 'NAIVE'

zebudaya:
Akolawole I don't live in the U.K, but i see 21 year old Nigerian girls who are C.P.A's and make good money. I also see young engineers who work for U.P.S, First energy, GE etc I know you are going to talk about job experience they interned every summer for the past 2 years, and also worked with the companies 20 hours a week during the school year. Thats my whole point, I'm not arguing about jackal's house/mortgage I am arguing for the fact that it is possible to make good money at 21 if one makes the right choices and has the right stepping stones.

Instead of paying rent lets say they decide to get a mortgage and pay like 1000 dollars a month, are you going to accuse them of stealing? or of being older?

------ Another Victim !

CREDIT CARDS
What you should know before applying for a card

Credit cards let you choose how much you borrow (subject to an upper limit) and how quickly or slowly you pay back the loan.

Compared with most other types of borrowing, credit cards are very convenient. Once you have a card, you simply use it to pay for goods and services without having to request a new loan each time.

Credit cards are issued by banks, though lots of other organisations - for example, newspaper groups and motoring associations - have teamed up with a bank to offer their readers or members an own-brand credit card. The complicated system of making sure credit card payments all reach the right destination is handled by specialist organisations such as Visa and Mastercard.

Charges
Each month, you receive a statement setting out what you have borrowed using your credit card - this is made up of your purchases made during the last month using the card, any balance carried forward from the previous month and any interest charged.

If you pay off the whole amount you owe, usually there is no interest charge. So, provided you pay off the full balance every month, credit cards give you interest-free credit for, say, a maximum of 56 days.

If you do not pay off the full amount, you are charged interest on the whole lot. Different cards work in different ways, so interest might be charged from the statement date or from the date of each purchase.

Each month, you must pay off at least a minimum amount - for example, £5 or 3% of the balance, whichever is greater. If you miss a payment, there may be a penalty charge.

A few cards charge an annual fee - say, £10.

What a credit card company charges you for the use of its card can be expressed as an 'Annual Percentage Rate' or APR. An APR takes into account:-

the interest you must pay;
any annual fee you must pay;
when and how often you pay the interest and any fee.
You do not need to know how to work out an APR. The important thing is that APRs show the cost of borrowing on a standard basis so you can compare one APR with another.

The APR also lets you compare the cost of credit cards with other types of borrowing. Of course a loan with a lower APR is cheaper than a loan witha higher APR.

The APR does not take into account charges you might have to pay, such as a charge for missing your monthly repayment.

To lure customers away from competitors, many card issuers offer special, low introductory interest rates - for example, 1% a year for the first six months, or even 0%.

Check the small print of these offers carefully. Often, it applies only to any balance you transfer from another card, not any new purchases you make. And, your repayments are set first against the transferred balance, not against new purchases, so you might not get the benefit of the offer for the full six months.

Repayments

If you pay only the minimum amount each month, it can take a very long time to pay off a credit card bill.

For example, suppose:

you have a debt of £1,000;

interest is charged at 18% a year; and

you pay off a minimum 3% (or £5 if greater) of the outstanding balance each month.

It would take you 13 years to pay off the whole balance and your repayments would total £1,772.

Although credit cards can be a convenient and cheap way to borrow for a short period as they usually have a period of free credit (25 to 50 days), they are an expensive way to borrow over the long-term.

Small print (VERY IMPORTANT @ WALELEAD ) 

Credit cards come with a lot a small print. Particular areas to check are:-

What is the period of free credit?
From when is interest charged - the statement date or the date of purchase?
Will you be charged if you miss a monthly payment? How much?
Is there an annual fee?
What happens if you can't keep up even the minimum payment?
Risk

The biggest risk with credit cards is running up debts you can't afford to repay. Making only minimum payments each month is an extremely expensive way to borrow. If you don't keep up at least the minimum payments, the issuer can demand that you pay off the whole outstanding balance immediately. If you can't do this, the issuer could take you to court. The court would probably order you to make regular repayments based on what you can afford or could allow the lender to seize and sell some of your possessions to recover the debt. You are likely to find it hard to get another loan or credit card if you have a court order against you.

If you find yourself experiencing difficulties paying your credit card bill speak to your credit card company. Do not put this off. Credit card companies do not want you to default on your repayments and will be prepared to talk to you about how to solve any repayment problems you have.


----- and THE DECISION IS YOURS --------

BEST OF LUCK !! 

Akolawole:
They have started again o.

@AKOLAWOLE !

Where exactly r you based ? I honestly do not think you LIVE in Nigeria, u know so much about the U.K system ,--- but i'd suggest you help WALELEAD out on this, and not pick on  'LOOPHOLES' 

Congrats oooo ! ---- for gratitude, ensure 10% of your first pay goes to Seun and tonisafe22

@HUCARSON----   

WHAT R U THINKING ? I refused to be fooled by people like u ! jackal claims to be a full time student, how on earth can he afford to prove to a mortgage lender, that he can afford a repayment of 300,000GBP not naira o ! come off it ! u can bloody say this to gullible Nigerians who know nothing about how the system works here --hey!  a 21 years old full time student regardless of whatever job he does, will sweat his coats out to be granted a mortgage loan of 100,000GBP, talk less of 300,000GBP ! easy man! I am sure JACKAL would be laughing his head off to have totally have you rapped around his little finger  poor you !

and--- u mentioned 95%-110% mortgage ooops  O.K ASSUMING he completed his education at the age of 20 which was last year oooo, how on earth could he immediately raise all the amount needed to finance such commitment ? with all fees involved ,besides he still claims to be a full time student . if you had said the mortgage worth about 100,000GBP, it would have been a 'little bit' considerable backed up with REALISTIC FACTS, besides as a first time buyer, he would have a lot to prove to  the lender, simply because, first time buyers averagely, always start off with borrowing up to 150,000GBP, and then after 2 years move on to a higher amount . moreso if he is a contractor, not even fully self employed business based, lenders refer to such as insecure/unfixed income.

Dear Mr Hucarson, I honestly think you need more education on all these before coming out to defend people, I am in this field and I refuse to be fooled  . this is not NIGERIA---- ENGLAND is a land of policies and procedures, ofcourse you can bend the rules sometimes, but not totally break it ! 

Which planet be this ? ALL of una don 'KOLO' for this thread ! , especially that IBB's lingua-- na greek ?

@Jackal---- u ain't seen no[b]f[/b]ing, u are OBVIOUSLY still INEXPERIENCED, if u are truly 21years and claim u possess all these and then just judge others ------ especially when it is so OBVIOUS that you did not start the journey of this life solely , or acquire progress all by yourself. just stop bragging, I just do not believe a BOY of your age can afford a mortgage without having your folks pay the deposits or probably even pay the mortgage repayments on your behalf , TWENTY-ONE YRS!      

Alternatively, maybe you bought a cheap excouncil property, and -- even with that, u must have taken a student loan,or probably GOT INVOLVED in some dodgy RUNS as well to raise cash to process the mortgage.

Anyone who ACTUALLY worked sooooo hard to acquire success will be more than HUMBLE !

Can everyone on this thread just be realistic ? I REFUSE TO BELIEVE HIS BRAGS, END OF!

yeahhhhhhhhhhhhhhhhhhhh man ,   CES'T BIEN ! CEST BOOOOOOOOOOOOOOOOOOOOOON !

I do not really see any BIG DEAL in British Telecom B.T's involvement , with so much competitions against them in England where else do expect them to invest in ?

I am just being made aware of this now, but quite *CURIOUS* to know what they r about anyway ,

why did you take the picture outside the fence if u r really keen u shouldn't be in such a hurry , , as in *internal photos* ,

France is in for a SECOND GOAL believe me , I LUV HENRY ,

B.E.Y.O.N.C.E all da wayyyyyyyyyyy*------------

I'm having an all round surgery just to have her image %, so watch out

@jackal ---- i wonder how old you're, and i shake my head for you   especially when u do not even understand the effect on couples

uuuuhm, there is no point in people arguing with u, because it's so obvious that u haven't gotten to d PEAK in this country, the only advise I can render u, is to ensure that u make hay while d sun shines, as in invest maybe in landed properties e.t.c back home now, tell u what ? I 've been in your situation at a point in this country, no worries, not even a single debt, but believe me when the curse on this country that gives people limitations of not being able to move to d summit strikes  
this country is not designed for people with long term wealth desire, but just sustainance, ( which I believe is more reason why Dele Momodu e.t.c ) knew when to pack and LEAVE.
whatever you do just ensure fulltime INCOME SECURITY on those ASSET _{of which are mostly liabilities anyway}, that is giving U so much HYPERJOY,

1) If your car is on hired purchase and u miss a couple of payments it's in for recovery .

2) All your home furniture /decors / electronics all at stake

3) Your Mortgage , no matter the equity faces repossession .

etc,  I have experienced a couple of the above downfalls before , I was not lazy, I had a full time job with a Mortgage but when inevitable problems struck uuuuhm,  I never dreamt this sort of adversity would occur to me, and mind you it is a PHASE which everyone in life would DEFINITELY pass through,  IT actually made me sit down , revalued my sense of purpose.


---Back home, all the above are OWNED OUTRIGHTLY and you need NOT worry about them for '25YEARS'.

DO NOT BE CARRIED AWAY BY ALL THESE, THEY ARE JUST TEMPORARY _{limited period of time}  

WHAT IS ALL THIS HYP ABOUT 2FACE BY THE WAY ? 

In my opinion, he is just like an normal average niger bloke fortunate enough to get successful's producers support,
1.} his music is not the best in Nigeria

and there is absolutely no[b]f[/b]ing, outstanding about his looks ! 

so please everyone give me a break !

C'est pien'

C'est pien' or ^{bien ?}

_{whatever this means just had to show off too}    

NICE ONE GIRL --------- YUMMMMMMMMMYYYYYYYYYYYYYYYYY

ME JUST LUV BOTH !

Sending Rooney out was obviouly well planned, his temperamental weakness was damn spotted and used against him , after, check out that 'wink' by ronaldo to their coach ---- SO UNFAIR

[quote author=jay-lo link=topic=2572.msg429181#msg429181 date=1150387199]SHIFFI ofcourse! , he's got a sort of mature handsome look, definately my kind of guy.[/quote]GO GIRL ----- 

I think all contributors age matters here, SHIFFI looks more masculine & matured and ZEAL well more like mummy's boy:-toddler , _{poor old Tunde he doesn't look so bad it's just where he found himself}

yeah potato wedges humm i love them spicy I' d suggest to upload their photos as well -----

TOMMY HILFIGER ,  I love it's logo's colour combination, red, blue and white really cute, 

Also Christian Dior's accessories:- Bags, the jewelries are wicked ! phew !

try VERSACE WOMAN meen lovely, and THIERRY MUGLER :-alien , I do not like any Gucci's fragrance, too muggy'

Honestly, I wonder o---- it's so suprisingly weak as against pounds as well , just imagine  1USD=0.5407GBP
E.G 10pounds is equivalent to 18.49dollars    almost double ----

INI EDO is the QUEEEEEEEEEEEEEEEEN ! Meen I love the way she dresses ! so trendy ! and she always wears what fits her, unlike others --- I wonder wear she gets those unique outfits from !

@AKOLAWOLE --- I dough my hat for u anytime, anyday 

--and @JACKAL-- uhhm, I think this guy must be really having a laugh ^{'not suprised he' is truly a 'JACKAL'} anyway, what sort of Nigerians do you know or associate with ?, to keep emphasizing that they are lazy with no visions ?

1) not everyone can afford those stated exams.
2) People get stuck in those menial jobs mostly because, they need to get on with something, to pay bills and also to send money back home.
3) not everyone has relatives or LOYAL friends who can accomodate them before proper stability.
4) --and they find it difficult to abandon their regular job income, paid hourly ,(what sort excuses would they give their line Manager every now and then ) to be attending numerous interviews which outcomes are unpredictable.

and finally, if u were lucky to have been accomodated by relatives as soon as u enter the uk, or had the opportunity of which your education was sponsored, just thank your GOD, not everyone has that PRIVILEGE, and it's quite UNFAIR for the UNLUCKY ones to be refered to as being LAZY or WITH NO VISION OR ASPIRATION to futher their study .

omogenaija:
did i do something to u ? because everytime i say something u look confused

sorry if i did

I do not remember 'this' reply of my repeated elsewhere 'my dear'---- no harm

---- to put a smile on your face, 1.) I honestly do not understand what HSMP visa is but then whatever it means , if it is so difficult for you to secure a Good job in Nigeria, I 'd say it might be advisable for you to choose U.K at this stage 'IF' u have a welcoming place to stay where u woundn't need to start paying bills immediately u get a job, 'cos u might not be able to save well enough, but if the visa is still valid it's worth a try

oh ! if u mean how to cure red eyes naturally, i'd say

1. stay out of the SUN

2. Avoid/limit going near naked flames

3. if u wear contact lens , ensure you use appropriate eye drops

4. Take lots of fluids/fruits especially banana ,

I was once in these shoes and these were the doctor's advice , _{which worked for me} ---

personally, i just do'nt fancy EDIKAIKON ----- what is all the fuss about it anyway  ? i 've tried it a couple of times, 1st back in niger and then london -----meen E.G.U,S.I soup ni baba --  ( king) 

I do not like water it's boring and TASTELESS I am a C.O.K.E addict, if u want to punish me, ban the supllies !