₦airaland Forum

Ticha:
Ah boarding in 9ja ke? No my sis. It'll be better to spend all summer holidays back home. It might feel like just 6 weeks but it is a good length of time. Especially if you have close family members you can send them to.

Gaskiya we no plenty abroad at all. I know 2 in the UK both from Niger State. Something funny happened to me a few months after we came to New Zealand. The driving here is bonkers. A 9ja level bonkers. People drive like serious agberos. One afternoon, I was heading out and someone drove very dangerously (by my standards of course ) almost crashing into me. I swerved, shouted ubanka and did waka at him. Na so, the guy swerved and started tail gating me. In my head, I said, 'I don buy market o. Person go beat me today!'

I found parking, got my phone out and had 11 open ready to dial. The guy parked behind me and this black guy jumped out, left his door open and shouted, 'Yarwa!' He gave me the biggest hug. Na so we blow Hausa for ages! He's from Kano and said he'd not met another Northerner since being in NZ. He's been here 17 years now! Married to a Kiwi woman with 5 children and we've become quite close.

I have seriously being reconsidering the boarding school anyways.


What a way to meet someone .

Estroller:
Simply wait for 3 or more months after receiving the funds in your account before you make a full mortgage application as lenders usually ask for bank statements of the last 3 months preceding your application.

That's if the person is taking it towards the end of the contribution. I suspect that this might nit work if it's done towards the middle of the contribution. How would you wait 3 months without contributing your own part of the contribution which will obviously show up in the bank statement?

omopapa:
I think the next one should be how to build and save up for mortgage deposit.

I have heard of the “ajo/esusu” style and also cash gift

How does the "ajo/esusu" style works. Wouldn't the repayment/contribution show in the bank statement and potentially affect affordability?

Ticha:
Little steps - it's not quite enough but we'll get there. We do have plans to go live in 9ja for about 2 years in the future. Of course that totally depends on employment opportunities as I can't imagine living at home and blowing through our savings for 2 whole years!

Bless your heart sis. Thank you for the wonderful insights you have give.

I'm still contemplating making them to study in a boarding school back home so that they have close contacts with the people. Likewise, they can easily contrast living in UK with living in Nigeria.

Btw Hausa people abroad are an endangered species . I remember briefly meeting one at the train station. He was just visiting

How do you folks handle keeping the cultural heritage while raising the kids?

It's quite common these days especially amongst Africans that the kids don't understand the local dialect and have little or no connection to their root. The connections most of the adults and teenagers I have met is only Afro music.

If feels like there's a problem looming where the kids might have identity crises with the loss of connectios to home when we are long gone.

cdieli:
I have been in the UK for 6 months now, my children have started school and its all fun they have been learning new things.
A few advise for those coming with the family:

1) Once you come register with a GP.
2) Report yourself to the council they will advise you on schools nearby.
3) Look for a local white church, here in Scotland I attached the family to salvation army. They come every week to see that all is well, Christianity here is different from Nigeria.
4) Learn not to shout for your children, neighbors reported me and my wife that we are always shouting for the kids and police came to question the family. Always put fear on them that if they tell strangers that dad and mum beat them they will take them away

Its been an experience

What do you mean by "shout for the kids"? Like "MUSA WHERE ARE YOU?".

How did you sort it with the police?

Ticha:
Because you need somewhere to live and paying rent is paying for a service like any other service. The fact that someone makes a profit from it is neither here nor there. We can translate that into saying buying food is a waste of money as we'll just shit it out. Not everyone can afford a mortgage even with the best will in the world. I advocate one having their own property somewhere mainly because as immigrants, we would really struggle at retirement. To access the full raft of a state pension (which is peanuts by the way), you would have had to pay 35 years worth of NI. Therefore it is absolutely necessary to have a retirement plan which could be a property (the most difficult asset class to pull money out of as it is not liquid cash) that is paid down somewhere cheap for example or money funneled into shares

I think I understand your point of view.

Peerielass:
Like Ticha already said, it’s not always the case that the house appreciates in value. Some people that bought just before the 2008 housing crash have been in negative equity and are just beginning to emerge out of the deficit. For such people, it will probably be cheaper to rent than to pay the mortgage. They are referred to as mortgage prisoners and some of them are not able to switch to cheaper deals due to stricter lending rules after 2008.

In summary, people shouldn’t be in a hurry to get mortgages. Check affordability and ensure that you have enough money to cover your mortgage should things change tomorrow.

Understood. Is there a logical reason for 50k increase in house price with 1 year of purchasing the property?

But then, is there any safe thing to do? Buy property now and then market crashes again.
Don't buy and the property prices keep increasing.

I'm of the opinion that either way, renting is not the way forward.

Lexusgs430:
Biko jump and pass that property......... Not unless you have a budget, to move the toilet and bathroom...........


Imagine relaxing on the bog, doing a number 2 ........ Madam is in the kitchen, preparing a very delicious meal.........

Either the meal or the bog, would not constitute a healhtyliving..........

As in ehn!

I literally jump and pass those properties.....

But why old built UK houses have gardens x2/3 the size of the house? If you the garden of some houses ehn e reach to build Buckingham palace

Healhtyliving:
Please tell me more about this bundle. It's the old build and weird plan where access to baths and toilets is through the kitchen. Lols. Residency renuewal for family of 5 is also killing wahala be like bicycle.

OMG those houses . I still don't understand why they didn't see a big deal in having a toilet literally next to the kitchen.
Unlike poles

Ticha:
If you're not selling and you can cover your mortgage, it's definitely best to buy. Property is a long time game. Plus the UK is about to take in more people who have the funds or will be able to access the funds to buy. We bought our very first house just before the epic property crash in 2008. Some places in the north have just climbed out of that crash in the last 2/3 years.
If it's tenanted, the mortgage is covered. If you're living in it, the mortgage is covered. I don't believe renting is dead money (as long as you also own a property whilst renting) but it most certainly does not give you security!

It's refreshing to know that there's really no right/wrong time to enter the market. Na to just follow the trend and buy when one can afford it.

How is rent money nto dead money? Even if you have your own tenanted property, you're basically breaking even using your profit to pay someone else's mortgage. Or am is there something I'm missing?

Lexusgs430:
Bitter leaf, prepared with egusi, with very healthy addition of kpomo, shaki, abodi, turkey, bokoto and stockfish.......

Just add two massive balls of pounded yam/tuwo shikafa (the perfect one pack loading).......

Bros bros, Is there anything you don't like?

Lexusgs430:
Paying rent is, paying your landlord's mortgage/adding to their investment/pension pot .......

Your would NEVER receive an equity appreciation fund from your landlord, when you leave their property.....

Ahahha. Your words gives the bitter leaf effect

LagosismyHome:
It been like that for the last 10 years .... before you blink they add like 50 to 100k per year....(although depending on your area). . .I was waiting for it to crash and gave it . Brexit didn't crash it, pandemic never shake am so I don't know again.

I would say buy buy if you can . ... except if Russia wahala will crash it

If Brexit and pandemic didn't crash it, na to buy oh.
Nice input ��

Is this how crazy the market has gotten?

Is it even advisable to buy house in this market? Imagine buying high and market crash!

But then, "rent money equals dead money"-Lexusgs430

So which way to go? Buy or continue renting?

omopapa:
He calls himself B.I.G

Is it this big?
https://bigtvip.com/faq/

omopapa:
DISCLAIMER: This is for educational purpose only

If u have LG or Samsung TV u can download an app called smart iptv on it and then find vendors that will load the channels for you. It ranges from £25-£60/year depending on the quality of channels and how well u can search for bargains

Interesting thing about most vendors is they give btw 12-24hrs free trial (but NOT on match days). Vendors are all over Facebook market place, eBay and even ali . Most vendors have telegram groups to communicate streaming channels, updates and to report issues. Each vendor have their own area of interest, some it’s movies, for some it’s live sports, while some do everything. My vendor does everything Infact they just added African magic Yoruba and almost all DSTV channels especially the sport ones.

Another option is the Amazon firestick, you can buy it from Argos or Amazon and watch a YouTube video to jailbreak it (very simple and straight forward) this will enable you download streaming apps on it. Then find a vendor to load channels. You might need VPN to improve streaming quality and to change location for obvious reasons

An advantage of the firestick is that u can detach from tv and take with u when u are going away from home . Otherwise the smart iptv app too is fine.

Which vendor are you with?

Mellady:
Like how much are the charging, it's home office not aware of those agents/companies extorting money from people?

Let's just say that it runs into thousands.

LagosismyHome:
Although its called skilled visa its really unskilled and a lot can do care. So the competition and exploitation is high and its a lot of countries fighting for these post .

I have observed that this market is flooded with agents . The Nigerians are worse, we are very bad sha. The ones run by Nigerians are even calling double the price with full chest . It sad sha. We are our problem , not the government..... but I am sure there are free one are out there, however few. Na to keep applying. No venture no success

True. The competition no be here. The Nigerian ones I'm guessing are subcontractors which explains the ridiculous prices.

LagosismyHome:
Agent that charges an arm and leg.... not promoting such but saying it as it went

Appreciate the honesty. That seems to be the norm now to stay ahead of the competition. But it ain't cheap

Akorkor:
Depending on your profession, you can get a job from Nigeria with full sponsorship. Let the person enable job alerts on LinkedIn and apply directly to the company of its choice. The person has to be tenacious because there is going to be much rejection. But you need just one YES to get in. I had a lot of friends in the IT field that are in. I am also one. Also, it is DIY

Right, one YES is all that's need.
But I'm referring to this new carer visa.

LagosismyHome:
Outside UK, from naija

Abeg you fit give tips?
I get battalions wanting to come. I have peeps with the experience but getting the job na hin remain. Being applying on indeed.
Did the person use a recruitment agency in UK? Or all DIY?

LagosismyHome:
A friend was issued 5 years cos last week. Saw it with my two eyes. .lol. so yes its possible

Within UK or outside?

marylandcakes:
That’s basmati rice, you have got to wash it in cold water to get out all the starch and you steam it (very low heat and tiny water with a teaspoon of vegetable oil) when you master how to cook it properly, long grain rice will be a distant memory to you.

Tropical sun basmati rice is easier to cook than the ones from Aldi and the likes.

JustAPasserBy:
I never knew Nairaland had a ‘Ctrl+Shift+Delete button.

Now this looks like a page off my 2B ‘English’ exercise book in those days.

We Move….

Can we get a court order to unseal these documents?

Divinemercyy:
The price is usually stated there on finishing the course and viewing your score. U convert euro to naira

Which courses would you recommend to take on Alison?

canadaishome:
My people
If my spouse got visa sponsorship in another city and I haven't finished my masters, would it be wise to abandon my program so she can take the job and the family move?

Are you the one studying or your spouse? The question is quite confusing!

kennykale:
Anyone coming to the uk this week? I forgot my driver’s license, I need to get it here soonest. Anyone that can help?

London or close to London.

Anyone pls

You're maybe better off sending it with DHL.

ebubedrums001:
Please I need suggestions (asking for someone)
: I'm hoping to travel to the UK to look for NHS job myself, I've passed my IELTS and CBT exams, but it's as though I can't get any job offer yet. Would traveling to the UK help, since I'd already in the country, and the NHS won't be paying for my flight ticket. Also, I don't mind paying for my OSCE ( just saying)

@vickyehi

Even if you go through this route, you would have to comeback to Nigeria to change your status.
I know it's not easy, but focus that energy on applying. You just need 1 yes to overshadow the numerous no's.
Stay strong, you're almost at the finish line.

adedapodvirus001:
Good afternoon my people, please does anyone have any experience about Scottish power. Moneysupermarket recommended them for me as a cheap energy provider and upon contacting them, they gave me a monthly fix rate of 63 pounds Which is very enticing but when I checked their review online it was horrible.


I'm planning to call them that I no do again but I need input from people with first hand experience.

My house is all electric.

Please help a brother oooo.

I honestly don't seem to understand online reviews these days. They often seem to be negative.

canadaishome:
Wonderful
The Nigerian high Commission's website is down

https://www.nigeriahc.org.uk/visa-requirements

It's like they did not renew their hosting

You mean that website that deserves beating even a new person to HTML/CSS?

claremont:
I just finished watching it as it's currently most watched recommendation in Netflix UK. If this guy was Nigerian, Nigerians will say that it was ''juju'' he used to con all those women and his jujuman is resident in Abeokuta/Ekwulobia/Daura. The guy is a con man, just like Hushpuppy etc, and the women/victims conned deserve no pity. They fell for the privates jets, 5 star hotels and expensive holidays etc.

That juju part actually came to mind while watching it .

I guess the reason why he even went to the 5 months prison is because of absconding from Israel. Technically, he didn't do anything wrong because nothing was in his name. I guess that's why he was realeased to the Isareli authorities. Plus he wasn't even resident in any of the countries.

I bet those ladies felt like their lives have changed forever getting to date a millionaire.

The difference between this guy and them Hush puppies is that he didn't steal any credit card details, they willingly gave it to him. He didn't con any business or government officials, he conned ordinary gold digging citizens. Plus the guy chop life very well . Chop the women money and their body chaii. Nah olosho dem hush puppies dey carry.

Who really uses a lavish lifestyle picture on tinder? Don't rich people have their own dating app?