₦airaland Forum

toughest007:
Hi Chreze, please what's the preferred means to get across? PM on here?

We can discuss here. What’s up?

genkins:
Pls how do you do crypto transactions in the UK without worrying about HRMC taxes?

In 2021 when I sold crypto in £, I had 2 buyers who would send money to my account without mention of crypto, one Ghanaian and another india. The Indian would send with note in Hindi saying take care brother or Uncle A asked me to give you this for upkeep. He was a student as at that time too. That was when I was able to risk it (cos of school fee).

After that period my risk level dropped and i only sold crypto to # then convert back to pounds. Long trip, saved me from worrying about anything. Not sold in the last years as my job takes care of me here. Someone also advised getting a crypto Visa card. I believe binance has that.

In whatever you do, keep the term “Crypto” out of the notes/description. It use to be a big deal 2-3years ago, don’t know the situation now.

igbsam:
Can this cover a two bedroom apartment with kitchen, bathroom, 3 stores and a sitting room ? My apartment is quite big and i got a small dehumidifier (1700ml) that only does little. I don clean tire

I use my 12L for our 2bed. It’s just moving it around. To be honest, the areas with more moist are mostly bathroom and kitchen surroundings.

Our son’s room and the living room are on same wing separated with a door from the other side. Our room is close to kitchen and bathroom. So we have more moist in our room. Sometimes 1hr to 2hrs dehumidifies the living room and our son’s to below 60. While we run more hours in our room and the corridor connecting bathroom. Our target is a little below 60 (57-59) so that we don’t get the house too dry.

So yes, you can use for your 2bed, just move it around and maybe sort the areas with less moist first then spend the days on the area with more moist in the air.

Very very economical, some days we used dehumidifier instead of the heater early this year.

Schoolhike:
Finally got a permanent solution to mold in my house.

Bought a Meaco Arete Dehumidifier 20l and the rest is story.

Reason for choosing this is because it does not only dehumidify but also purify the air and very low electricity consumption.

Yeah, dry clothes as well.

If you’ve got mold issue try get this product aswell.

I have the Maeco 12litre low energy dehumidifier (the low platinum range ones) I got last year. To be honest, it’s my best investment last year. The funny thing is you will be surprised at how humid your house is even when you are not seeing any sign or mold.

The magic part is the air purifier that helps our young man sleep smoothly when he has flu. Till date, it’s the best money I spent in the UK.

I always forget to share the good news about the product. Thanks for sharing.

Blurpy:
Has anyone travelled out of UK as a student during term-time with no issues. I am looking to take one month for my dads burial but school is saying they can give me only two weeks. I am on my dissertation which doesnt require physical attendance in school.

Going against your school won’t be the best decision. I will advise you try to plan yourself for two weeks. I know it might be tight. You can try to plea for 3 weeks pointing reasons to your school. If they still stand on being able to offer 2 weeks then stick to just 2 weeks.

Your continuous stay in the UK at the moment is dependent on your school and home office for extended stay. Please only do what they approve.

Also, Remember point of entry can be tougher than the HO scrutiny. Point of entry is the last place you want to have any long explanations / conversations.

Condolences on your loss.

Adedotun123:
That a nice idea😂
But i don't know why he doesn't want to wait till he reach atleast 16.
Maybe i am going to introduce him to my jobs

That is the wage by age I believe for Scotland. I will assume UK in general. If you are under 18 and work for those selfish employers, even if you are doing the task for someone who is over 18, they will still pay you for the rate under 18.

My wife has this young girl she’s mentoring at her place. She’s the head baker and has been with them for a little over 3 months. The young girl has been there longer, possibly years, she’s paid below £8/hr. Measurement and tried baking some cookies (doesn’t go too well). My wife said she listens and really wants to learn, so my wife gave her recipes and chance to try some proper cookies and Scottish baking. Still some errors, but she takes correction and improves daily. Long story short, my wife said the girl has improved and they display her bakes on the counter now. Young girl asked for pay rise to living wage ( I believe £10+), business owner refused and kept paying her same wage.

Young girl discussed with her guardian and they concluded she was gonna stop. They registered her in a baking school and she will be resuming classes September. Business owner employed someone a year older than the said young girl, but a bit more experienced, the person is paid £11. Still about same speed with the young girl.

Some business owner in UK has this very selfish and self centered attitude. Not so encouraging, their first thought is themselves. Very unlikely to happen in Nigeria, we are very encouraging back home, if you do your employer well in most cases, you get even personal gifts of appreciation for your work.

Adedotun123:
Hello everyone,
My 14 years old kid said he wants to work and gain some income in the uk,
Please is it possible

It’s possible, but the UK employment laws are very funny for kids his age. They get paid by age and the employer would make then work more than they get paid or their age in this instance. A reasonable % of employers in the UK (specifically the owners of the kind of job your kid will get) are very selfish and are always happy to pay less for task they know should worth more.

My suggestion will be have your kid do a training kind of job, that will give him the training and gets paid on it. If there is a bakery in your area, walking distance from the house, approach them, they have jobs for teens, basically he will work maybe 1 or 2hrs say 2 to 3 times a week. The kid help bakers portion and make measurement for flour, sugar and baking stuffs. Atleast that will add to his calculation/mathematical abilities and also open room for him to learn baking. Most bakery managers have their kids come in for this.

Alternatively, (if you have a cool job 😎😁) you can introduce your kid to your job and have them reduce your work load then you pay them. My plan is to introduce mine to my job when he gets to 10. Will have him do some of my work’s basic tasks and pay him for it. Like teach him how to do some basic reporting stuff (that’s if my wife doesn’t snatch him first).

heroshark:
I don't understand what you mean by carehome and how it's relevant in this topic? My argument is that flogging and beating a child is not the definition of disciplining. There is a whole lot to parenting and training a child than just beating, and there are more productive way to discipline a child.

Teenagers don't join gang because their parents didn't discipline them. One major factor that influence this is the socio-economic background, even neighborhood with high gang related crimes are low-income neighborhood, the same is also true in Nigeria. If you go to urban slums in Nigeria or any poor neighborhood, the rate of teenage crime is unprecedented both children of pastors that grew up under constant beating/flogging they will simply outgrow the beating and show you shege.

To be honest, I still think there is a big difference and to some extent a spoilt teen in Nigeria is still a bit better.

I also spent a reasonable amount of my childhood in the ghetto in Lagos too, and can tell you some major difference. So you know I have good knowledge of what I am saying, let me give you quick run thru of my self. Started life as butty, lost my Dad/everything, moved to the ghetto, spent 13yrs there before we made wealth again and moved out back to our butty life.

In the 90’s when teens were really mad, cultist then engaging in school (secondary) fight aimed to hurt (injure) themself and not kill. When they fight school fight, they stab with aim to hurt, use cutlass to give deep cuts and marks on heads, the death rate from this violence from teens then was very very low. Injury and hospital, yes, very high after every Friday fight. The era of jazz (chook and bounce and all the knack and chop grass) didn’t have much negative effect other than you lose your mind and your friends beg for the person to release you. Even the gun fights were aimed at shooting one on the foot and legs. The gun wasn’t aimed high to get to the head or chest. The worst activities then wasn’t aimed at murder, tho some led to death, but you can tell it was for superiority (I pass you). The only set that engage on those bad act with murder as the aim were graduated secondary school kids (Univeristy men) and that’s outside our view at the minute.

You can’t say the same for teens here. And I say this because when someone stabs you with a knife multiple times, you know the aim is different and wicked. Not trying to justify bad acts, just want you to know that even the worst kid has a fear in him/her back home. The fear might not be for everyone, but there is someone he/she is scared of or respects to the point they can stop their bad act for that person. We can argue the same for here.

Also when people talk about cautioning kids in Nigeria, everyone think it’s about flogging the child. It’s not always about beating. There are some parents that use looks to correct their kids. In the early 90’s parents use to wake you up at the middle of the night to talk to you with the believe that it works for kids. Some parents don’t even touch their kids. They just make them do some punishments like pick pin, more house chores (fetch more water, or it’s likes).

The reason why a lot of saner teens can be said to be in Nigeria as compared to the UK could be the fact that there is respect (arguably fear by some people) towards elders in Nigeria and not just your parents. In the 90’s a child can be corrected by any elder and the parents will be fine because the aim is to guide the child in the right direction. You can’t say same here, countless of times when teens do crazy things at the parks or stations and when an elder (in some cases old) correct them, they shout at and even hurt the elder. In Nigeria, if you insult your mum, the uncle living next to your house “will catch you and beat you”.

We can go on. When people talk about correction, it’s not just flogging, it’s punishments. It’s not always FEAR, it’s respect. Imagine a little girl not even up to 10 shouting at her mum like she can take care of herself if given the opportunity. Then the parent is scared to caution her cos she will be reported and arrested.

heroshark:
I don't understand what you mean by carehome and how it's relevant in this topic? My argument is that flogging and beating a child is not the definition of disciplining. There is a whole lot to parenting and training a child than just beating, and there are more productive way to discipline a child.

Teenagers don't join gang because their parents didn't discipline them. One major factor that influence this is the socio-economic background, even neighborhood with high gang related crimes are low-income neighborhood, the same is also true in Nigeria. If you go to urban slums in Nigeria or any poor neighborhood, the rate of teenage crime is unprecedented both children of pastors that grew up under constant beating/flogging they will simply outgrow the beating and show you shege.

I don't have the data about how unruly teenagers in UK are, but I have seen 1st hand how teenagers in Nigeria can be unquestionably corrupt and evil. You might not have witnessed it if you live or grow in middle-income neighborhood.

I so much would've love to use myself as an example, but I still be nobody. one day when I'm finally successful and accomplish, I will write a book about the darkness I lived through. How I grew up habouring a princely inner darkness. Bought my 1st gun (a Russian mini Beretta 2.5mm) at the age of 16, almost got convicted by age 24 despite growing up in a very religious home under strict upbringing.

I believe @Akorkor meant foster care. The public one for kids and teens. Not the foster parent (family one)

Viruses:
When you go for the practical test, you will be mandated to sign two consents.

1. That you have lived in the UK for at least 180 days.
2. That the car you want to use for the test is insured for the purpose of driving test.

Thanks. I am on Auto trader and Arnold Clark. The minute I get a good deal. Will snatch it. Discovered you can get good deal if you pay high deposit. If you adjust to pay like £5k deposit, you can get 1k interest for say like a 15k car for 3yrs. Arnold Clark has good offers, now I see why most cars have that their logo.

Solumtoya:
There's no rule. But it reality, it's not possible most times.

The process to get a provisional license takes like 3 weeks typically. You apply online, then it takes about a week to get the form, you fill the form and send back, then it takes about 2 weeks again for them to send you the provisional license.

When you recieve your provisional license, you have to book for theory test at least 3 days in advance, prepare for it and take the test.

Same as above for practical driving test, but you might not even easily get a date. Waiting times can be as low as 2 weeks or as high as 10 weeks!

So 1 month is actually not feasible

Thank you very much for this. To be honest, I personally don’t need it, but I think my family do. My MSc program was remote, my work is fully remote. Only go out once a week. My son’s nursery is less than 3mins walk. The issue is my wife’s work, she works 3days a week and sometimes when the bus fails, she gets very angry.

Thinking of getting a car. I will tell her to do the tests and do the driving. Me I enjoy being driven around. Almost 3yrs but Lekki and CMS traffic never clear completely from my eyes. E b like I still de pass the traffic for dream sometimes self.

Thanks, this your explanation makes it very easy to plan should it fall on me to do the tests.

For clarity sake,

Is there any condition that stops one from :

Getting provisional license
Writing theory test
Doing practical test
Then start to drive alone without supervision in one month or two?

Aside from maybe booking time, slot, ability to learn UK pattern faster and all that. Is there like a certain rule that says all this can’t happen in a month or two?

If there are no rules, please can anyone share reason why it may not be possible.

hustla:
Funny cos I once worked at a Private Catholic school Pri / Dec school and I saw LGBT kinikan pasted everywhere in their classes and hallway

To be fair I don’t really mind teaching them about gay marriages and family. Cos if they don’t explain, you will have to, when they see two men kissing at Eiffel Tower. So that’s not really an issue for me as it’s already in the society (for me, na God I go ask some questions when I reach heaven). But my problem really is “suggesting”.

Joined my wife in a movie over the weekend, on ITV X. It was about a boy that joined secondary school and wanted to cut off his PP cos he felt uncomfortable with it. He claimed he wasn’t gay, most likely the T alphabet. I didn’t complete the movie. The few minutes I watched I could see how uncomfortable the father was about the whole thing. It was well acted that you could feel his anger and pain.

I thought of it for long while doing other things that day. In fact it led me to remembering “Pose” a film I saw years back. How the boy turned gay and all that. I am just not okay with teaching too deep. Teaching that they should respect other people’s choice/decision in life is fine by me. But you see that “suggesting” or “practicing” is a no no for me. Cos primary school kids are yet to figure out if they want cereal or toast (even after having both for years). Can’t imagine them understanding the concept/process of being gay.

koonbey:
Better ó 🤣. The whole thing is absurd.

I remember writing my dissertation and was comparing the limits in different countries, I refused to write the £ equivalent like I did for others, because I was just too embarrassed. I left it at 500,000 Naira.

😁😆😄😃😀🤣😂😅

Are you embarrassed for your country?

Hahaha. This killed me.

koonbey:
There is, actually, the NDIC - but it only covers banks and mortgage institutions, not other financial institutions such as insurance companies, fintechs etc, and the the maximum specified limits for the MFB and PMB sub-sectors are N200,000.00 and N500,000.00 per depositor per bank, respectively, sha. No matter how much you have in there.

How useful those figures will be is another question entirely though

For anyone curious, the UK's is £85,000 via the FSCS, and the US is $250,000.

😀😃😁

Make we just de assume say nothing. So that we go de de over careful. 😂

Mamatukwas:
It’s True. They don’t collect government money so do not have to collect government nonsense. Most (not all) private schools too have Godly foundations so you will hear a lot more about Christianity than a public school.

In our experience, they do not teach any of these things at all in Junior/Primary school. In Senior school where it’s discussed, you have the right to ask that your child be excused from the class if you prefer. And it’s mainly rights of everyone, not mast*rba*tion.

You’re paying cash, your opinions are much more heard and very valuable.

If you can go private, do so with the quickness.

If I understand correctly, you mean the sexual stuff is not taught in primary (at least, the annoying and irritating suggestions)? Cos if that is the case, then we can do the primary close to the house (as it got good reviews from people outside of our location who lived here years back).

My son’s best friend’s family said they are planning on sending him to a catholic primary school not too far from us. I presume it’s a good school cos her husband is Muslim. May have to look into the school and find out more. We still have 1year. I don’t want too much of church stuff (and not expose him to the reality of the world) or having him in regular school and over exposing him (at-least not from that young age). Teachers contributes to a very big part of our lives. Some kids even bond with their teachers more. It will be easy to suggest crazy things to a child if it is coming from a teacher, especially the ones they see everyday.

Abeg make una help us, sey catholic schools no de over do? Becos e b like I de reason am with my Naija head.

Mindlog:
I used to go buy those clearance in the evenings (around 8p.m) at the Morrisons that was walking distance to my place back then during my student days......it was dirt cheap and my refrigerator was always well stocked.

👌😄😁

Morrison and Sainsbury will be a good place to see discounted items because their prices are a bit higher than other stores.

Viruses:
How do you guys get mind to invest for 15, 20, 30 years?

The thoughts of why I won't do it is just too many.

In 20yrs time the capital is as good as useless.
What if the company folds up before 20yrs (excluding FGN).
I may have good business to execute within that time frame. etc

1. We are still gonna be alive in 20 - 30yrs time.
2. Even the best financial advisor can’t predict time.
3. The business you intend to execute might return loss making you lose the said capital.
4. Most people play long term with money they don’t have immediate plans for.
5. The 20yrs time is the time they will have to do business when they quit their current job or retire.
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-
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And yes, you are right, we are security conscious too and only invest long term on security investments like FGN Bonds.

[quote author=lightnlife post=123950438

Apparently, Ajoke has made profit from Naira investment but lost almost 150 in pounds because she converted to Naira. Yes, the interest was 8% which is higher than 2% but Chidinma got a better deal.

Nigeria's devaluation rate, in the last 5 years, higher than the returns on the best market NGN-dominated money market instrument.

There was a time when it was lucrative to exchange to foreign currency and invest in Naira instruments, but it's not been since COVID-19 hit. Loads of my colleagues who exchanged their earnings to Naira for Bonds and Tbills regretted during the lockdown with the scarcity of FX and higher demands. Eurobond positions were sweet😂 then. Prior to COVID-19, Tbills were also crazily attractive.

My personal standpoint is that I won't exchange a large chuck of my foreign currencies to NGN to invest in Nigeria except I know I'm not interested in getting the money back in hard currency. More like I'll use the proceeds to finance other issues in Nigeria.

There might be some ray of hope around the corner, one needs to be calm to observe the policy trajectory of the new government before digging in. Money dey Nigeria if you wan spend am there.

I'm keen to read the thoughts of those that have property or business Naija, how they repatriate the funds here and coping strategies with devaluation and all.[/quote]There are numerous reasons why people send money to naija. For people who do that for business to convert back to foreign currency, I believe they may have to explain that as I don’t get it myself. That said, most people who send money to Naija don’t have plans of bringing it back to UK/US or wherever they are. The only reason why those people will need the money here is when there is a difficult situation. And we all know when that happens, exchange rate is our last concern as people even sell off property at a give away price just to resolve problems.

Some reasons why people send money home:
1. Earn far more than what is needed here.
2. Still to decide if abroad is a long term thing.
3. Having investment in other currency.
4. Convenient money movements.
5. Ongoing projects.
And the list goes on.

To be honest those are my reasons (exc. no. 5). Some people can spare £2k monthly and still be very very ok here. Some family £5k and still be well. I am still trying to get my long term picture in the UK, and it’s still not clear/satisfying.

So for most of us (the Ajoke’s), the money is not coming back and the 10% interest made is a win as the money is meant to be there till we decide what the future will be. Obviously leaning towards retiring in Naija and living a happy and free life. Don’t think I will have the strength to debate with someone about where I am originally from and how I have contributed to the growth of UK as a defense to proof my stay in the UK (please don’t misunderstand this statement).

For no. 4 on my list, when I make profit in crypto, can’t send it to my UK account for numerous reasons stated here in the past. My best bet is send it to Naija (interest 1 from conversion/exchange rate), then invest in bond (interest 2) while I decide on my retirement location. We just keep praying no challenge/problem warrant us bringing the money back here, but if any, it’s not a loss, but the beauty of savings/security.

Solumtoya:
If it's indeed Leadway, it should be fine. Again, I think they may not be understanding the fine lines. 50% over 15 years is different from 50% APR. The former may be as low as 3% APR

To be honest, I don’t have much information. The only thing I did was to calculate the total deposit (monthly for 15yrs) and the payment at the end of the 15yrs (deposit + interest) and I just felt uncomfortable cos even tbills ain’t giving up to that. Don’t want to spoil the company’s business as there might be people interested here, but I like to lean more on security than interest. When I told my wife to ask her the interest and all, she said there is a way to calculate it. She did the calculation and that was where I got the assumed 50% interest from.

I had to ask myself what the company will invest the money in to get a profit that will be enough for them to take out theirs and still have that much to give to me. Couldn’t come up with any secured investment to give them that returns, hence why I back out from over enticing interest rate.

TouchOfSpice:
Hello Sir.

Thank you so much for your response.

The FGN bond option sounds cool and secured to me. I will give it a thought.

Since it's a lump sum investment, perhaps I would save up like 2-3 months equivalent and close my eyes to try it out.

Thank you.

Yeah, just take your time to think about it. If you like the option, then you really don’t have to wait to lump the money. In your first message you quoted £1000 - £1500 monthly. #1M monthly will give you some #100k+. Also remember it’s tax free as it’s a loan to the government.

Please do your own research. Should be for money that you don’t need back in UK. Return process will look like a loss.

Regards

Henix:
Why not invest the money in real estate and resell after that 15yrs

For the Leadway, is it 50% per Annum, or 50% ROI for the whole 15yrs? I hope she factored in the rate of inflation in Nigeria while making such a long term investment decision shaa

Real estate is good to others but not to me. The fight we fought with Omonile’s in 2011 - 2012 resulted to PTSD for real estate. There is a big problem with omonile in Lagos. Can’t do that from far away UK.

I see lots of people making profit from it, I just concluded it’s not for me and let those who know how to do it, do it.

ukay2:
I just think of putting my little thoughts on this discussion.....


If you're good in the capital market, invest the funds in equity market in Nigeria via you are stockbroker.

You will achieve both capital appreciation and dividend payments until some selected listed companies.

Some of us invested in Access Bank shares when it was trading at N6 to N8 with dividend payments of 50kobo to 80kobo per share few years ago.

An investor with 1m units of Access bank at N8 and 800k dividend payment 2 years ago is now getting N1.5m dividend in 2022 dividend payment and capital appreciation to N14 per share currently.

If you're not interested in the capital market, make effort to invest the fund in the FGN bonds (not FGN savings bond) through your stockbroker or through your bank ( l use stanbic ibtc bank).

Some investors with 10m invested in FGN bonds 2050 at 18% yield in 2018 are getting 1.8m bonds coupon payments (900k every 6months) till maturity (2050) and get your 10m back.

There's possibility of increase dividend payments and price appreciations in good profitable companies in stock market ( remember to monitor the quarterly performance of the company) while your capital fund and coupon payments in FGN bonds are static till maturity ( remember inflation and naira devaluations..but this may not affect you much since your giving the funds as your naira charity obligations)

You can decide to be paying your naira obligations with either the dividend payments or coupon payments in the above two scenarios.

For me, l go for the stock market since l know how the stock market works (17+ years in the market).

If you feel like investing in NYSE, some good dividend paying stocks with upto 6-10% dividend yield in the NYSE market exit. You can be using the quarterly dividend payments in dollars, convert it to naira and settle the naira charity obligations.

Many ways to play the card....

This is very good. Sound so much like someone I know. I mentioned FGN savings bond because the person whom I quoted (original post) wanted something of 1yr. FGN bond is my favorite all time because you don’t require any financial knowledge to invest and get returns. It’s easy and direct. Plus you don’t get taxed. Stock market requires you following up with quarterly or biannually reports to know if you are on track (my thought from afar).

I fell off FGN bond in 2018 when the interest rate became lower. I guess I was blinded by late 2015 and early 2016 rates. But at the minute i believe it will be profiting (15 - 20%) if going for 20 - 30yrs as you have drawn. otherwise, it’s back to the 11% drawing.

Lexusgs430:
Are you saying, the company offering the investment vehicle ......... Is covered by leadway insurance or this investment vehicle, is provided by leadway assurance..........

The investment is provided by Leadway assurance. Most companies in Nigeria are branching into different areas. I don’t think there is any one company product again. They all offer different products. With promising percentage interests. Sometimes I wonder if they have tried the product for years or they just want to use customers money for trial.

Lexusgs430:
I have not said such ........ They should not invest, what they cannot afford to see varnish.........

What's the investment vehicle called, make we shine light put........

The funny thing is that leadway has been in the business for year, I remember one of my dad’s friend use to work there in the early 90’s “with their the same Christmas card every year” (white with only camel on the front page).

Even with their years, I am still not convinced that anything above 15 - 20% interest in this global economy will last. I may be wrong.

Lexusgs430:
I have not said such ........ They should not invest, what they cannot afford to see varnish.........

What's the investment vehicle called, make we shine light put........

Don’t know the plan name itself as I was avoiding getting involved, but it’s sold by Leadway and she quoted for 10yrs and 15yrs respectively. The 15yrs has almost 50% (if not more than) interest. you can’t withdraw till the end of the plan. I think interest is paid in full at same time too.

I personally don’t invest in anything outside government getting loan from me (in Nigeria) and my wife has known that for so many years. Give me small interest and peace of mind. I won’t even buy if my fav brother is the one introducing me to it. That’s how far I like to stay away from over enticing investment plans.

With the exchange rate going crazy I believe it will be a bit challenging living in the UK. Just want to share this idea on freezing of foods.

In the UK (food) products close to expiry date are sold at discounted rates. In fact some can be shocking rates with original price of item for £3.15 sold at 99p. But because of our limited knowledge about freezing, we tend to avoid buying those things.

I just want to tell you, you can actually buy the food item and freeze it. Frozen poultry and meat retains their food nutrients. They don’t loose their nutrient and the nutrients change is very little even for vegetable. You can read about this to understand better.

There are so many stores in the UK with discounted food products on daily. Super Stores in mostly location with less people in the area usually have more discounted product. Find out the store in your location that regularly have these food products or the food products you use. From fish to meat, chicken, sausage and even pizza are available on shocking discounted prices.

As a student in the UK, feeding is a bit expensive after fees and rent. And to feed properly will require you spending a lot. The county already has electricity and most of us don’t turn the freezer off, so why not make good use of it.

Trust me I know it’s not our thing, and I know you might be thinking “sey no b suffer I de suffer like this”? But no, no be suffer, na sense you de use. If I knew about this when I was a student, I for eat better suya and BBQ with discounted lamp meat.

Please read about freezing food yourself so that you are convinced, and not just do it cos someone suggested it.

Blessing.

semmyk:
[Crosspost from Living in the UK thread]
Perhaps, these discourse should be thoroughly engaged here in parenting in the UK thread
Seems this thread raised areas of concerns: https://www.nairaland.com/7732928/uk-schools-teach-kids-lgbt

To be honest this stuff has been disturbing me for months now. If there is anything I hate in my life, it’s being made to accept without my approval. I saw in my child’s nursery book, diagrams of family’s and there was a gay family pic. That’s fine by me as it’s in our society already. But having to teach them sexually inappropriate things (by my own standard) at a young age (primary education) is a no no for me.

Someone said something about private schools being different. Can anyone please confirm that. Do you decide to take out some courses from your child’s program if you don’t want them?

Abeg who know make e help us cos by August next year we are entering primary. And I don’t mind starting to do private from that time. I know families that home school, to be honest I believe relating with people in the society (in school) helps with some aspect of understanding the world and people in general. I don’t even think I have the knowledge enough to do that.

Lexusgs430:
[/b]

It does not exist...... Caveat Empthor ......😜🤣

So you are saying my wife and her sister may enter one trouser years to come?

I don’t want to be their issue cos the sister in law No too like me before and she will know it’s me, if my wife fails to pull thru with the deal. I have told my wife to read about it. I don’t invest in any financial services except it’s FGN related. I can’t use my hard earned money to play or gamble. Am doing crypto already (since everybody say na gamble), that’s how far I can go with financial games.

@justwise

I can see there has been replies already and your confirmation that you got the jerk.

To be honest, there are so many financial institutions in Nigeria quoting magical interest rate. My sister in law who work with an insurance company quoted something to my wife that looks like 50% interest for a 15yrs plan. I told my wife I am not part of it and it’s her decision.

To answer your question, yes you can manage your investment here. Years back my Tbill was processed by my account manager monthly. A good relationship with your account officer will benefit you. You can write to your banks customer care and they will respond with your account officer info as well as get him/her to contact you.

I personally don’t invest in any plan except it is FGN related. This is solely for security reasons. While I like more returns on investment, I don’t ever want to lose my money. I don’t think Nigeria has that financial deposit protection schemes from banks to cater for its customers should anything happen or if the government will reimburse anyone back their money should a financial institution fail in interest. Even in civilized countries, I believe there is a limit to what can be paid back (not too sure), but I doubt if government will pay you back £50m.

If anyone knows about any financial protection scheme for customers in Nigeria to pay back investment if the financial institutions fails, please share this info, as I have a feeling my wife and sister will enter one wrapper in years to come.

TouchOfSpice:
Hello my Seniors in the House .

Please I need your opinion again.

Please do you guys know of any legit/smart savings /investment plan in the UK that will yield good returns/interest.

I would prefer investment/savings whose tenure/maturity would not be more than 1 year. Then I can Renew again.

I intend to try the ground with about 1000-1500 pounds monthly .

I hear ISA is a long term investment of about 5 years+. Too long for me. (I might be wrong).




Secondly, I booked for my passport renewal last week, (Passport expires January)

I was given appointment date of September 4.... I have printed out payment and appointment slip.

But last night I got a reversal for the fee from innovate .

Please can you advise on what to do.

Thank you .

If you are open to other options (Nigeria)

You can buy the FGN Savings Bond. You can buy from most banks I believe.

====== Info =====
Interest Payment: Payable quarterly

Redemption : Bullet repayment on the maturity date

Effective yield :
2yrs - 10.706%
3yrs - 11.789%

========

This is government bond so you are guaranteed of your returns and capital at the end. Quite short. Exchange rate is good now. You can change now. Also you can be keeping your pounds for whenever the rate goes up and just throw it in.

Anything federal government bond is guaranteed. No story. Atleast from my knowledge for so many years.

STENON:
Hi everyone, Please do you know if someone can sleep at Lagos Ikeja airport for next day early morning flight? The check in starts at 7am.
Thanks

Yes. But this may not be a good idea as the airport is not too clean. Toilets and all that. Also there is nothing to keep you busy. My advice is stay home/hotel till 4am (depending on where you stay). Lagos is almost a 24hr city so you should be fine leaving home 4am or even 3am. That airport is not where you want to pass the night. Sometimes getting chair to seat is even an issue.