₦airaland Forum

For those that have arrived the UK and arriving soon, you may need to brush up your CV to suit the market demand and specifications to land that job. I've been reviewing CVs for free for more than 2 year on Linkedin. You can send your CV request to the email and we can talk about completing yours for a little token. cvreviewers(at)gmail.com.

justwise:
IHS should be scrapped for those in the UK applying for visa extension, this is like double taxation, people pay the IHS during visa and still when they get here and start working.

Is there a way to protest against this? Just imagine paying for a family of 4!

justwise:
How do you know that?

I know some people through the platform that i now talk to off this platform. they too know others. You do not think people changing will do their due diligence before parting with their funds?

I do not want to argue, I know you're trying to play safe. Don't worry, I've already done my exchange and moved on.

justwise:
I'm not sure what you are on about, my initial post was addressing the increasing number of people who suddenly started advertising money exchange business here, feel free to contact whoever you want to deal with but that is not what i'm taking about.

The people exchanging here are no strangers. I think people should be allowed to transact if they’re comfortable with the deal. I suggested using escrow if the person was concerned.

You said contact whoever but you’ve hidden all the comments, how do we contact the people that need the service?

While I commend your efforts and all the work you do here, you must realise that we are all working towards the same purpose - making life easier for everyone here.

Just load it and call directly. there is no special way to make it work. you are charged higher fee for calling because you are roaming and you get charged too for receiving calls. remember to add +234 if you are calling Nigeria or +44 if calling someone here.

Tobtob:
Hello all, Can someone direct me on how i can use my Nigerian (airtel) sim here in the UK please ? Many thanks.

fatima04:
Pls how long ago did you buy, Pre-covid or post covid? Thanks for that insight on deposit oo, because we just started pulling back cost from thrift contributions and debtors money. Still a new development and not much people around.

Seems we only have the show homes to go by and that is definitely not how ones choice will be like eventually

You are most welcome. mine was pre-covid, moved in in January. I know someone, a friend, that did his post-covid - August, same conditions.

fatima04:
My country people, how una dey. I have got some questions oo on Help to buy for First timers.

I know we have discussed a lot about buying a house and process but wants to start planning about it seriously, and couldn't find answers from previous posts.

1. Is the Help to buy equity loan really worth it, since you have to pay back after a while and the govt indirectly owns a part of your home?
2. Any experiences with new build developers? Recommendations? Lots of them have got bad reviews on Trust pilot
3. Should you trust a solicitor or mortgage adviser recommended by the developers?
4. For new build, at what point are you expected to pay your deposit? If the building will be ready Feb 2021 and stated you exchange contract within 28days of reserving.
5. Any experience for Tier 2 visa using HTB equity loan?
6. What sort of drilling to expect on your outgoings and incoming? Is it EFCC bad
7. Any other advise on what to look out for.


Please help �

A lot have been said said on this already. I'd just like to add a reaponse to questions 5-7.

5. I have experience as a tier 2 and there is no discrimination. Your eligibility is what qualifies you just like other permanent residence and citizens.

6. There was no drilling in my case, i used One77 as advisers and Paris Smith as solicitors. But i know someone that was drilled because they had more than a £1k single transaction that's not salary. So better to PREPARE to explain single transactions above £500 to be on a safe side. No, don't panic.

7. The asking price is not a final price. Ask for discount. Ask again. If possible visit the house to ask people who have already bought in that same location, IF POSSIBLE. It was possible in my case. Plan to payoff the government portion in 5 years, don't stress if you can't, still plan.

Cheers.

kode12:
Can anyone advise on a credit card I can obtain with less than a years living history in the UK please. Most banks require more than one year which I don't have.

Go to HSBC. They'll give you one if you have an account with them.

Braket:
Thanks for the advice. Getting a credit card is the problem now. I can't even check my credit score because of 3 years residency palava. Tried Experian also still no headways. My employer sef no try. No support on stuffs like this.

You're welcome. Try Totally Money and Money Supermarket.

Lexusgs430:
All points kwarect..... But if you always pay off balance, you're not a good customer...... They would withdraw debt card.........

Make banks too see sometin chop nah......

Hehehe. Not at all boss. My credit limit has gone up instead. I was on 4k limit before i change to Lloyd's. Now 8.4k. These days I use around 5% and payoff everything on due date and increase it after 6 months. If they don't agree, I'll change to another provider. Na dem they rush me now . I didn't travel this far to be paying unnecessary interest.

Endlessgrace:
I was in your situation few years ago when i got here. Mortgage was my goal but i needed to build my credit score to achieve that. I registered with ClearScore and they gave me tips on how to grow my score, my first credit building card was pre-approved on ClearScore. With a credit limit of £200 i started my journey.
Tips:
* register on a free credit score app
* apply only for pre-approved credit cards
* if you use your card wisely, you could end up not paying interest (that worked for me)
* avoid close-spaced hard searches.
You already said you are registered on electoral roll so that’s great. It might take up to four months before it reflects on your score though. All the best

This here is golden! Thanks for sharing. Let me add one or two from my own experience.

1. Pay off the balance (not minimum) everytime on due date by direct debit.

2. Plan the usage and payment intentionally. Don't leave more than 25% on your statement. You can use 80% of your limit but just before your statement closing date, pay off until 25% balance is left, then pay off in line with point one (1) above. Do this at least 4 days before that closing date. This is month one. In month 2, let the closing balance be slightly less than 25%, say 24.8% and continue to reduce this every month.

3. Take an overdraft from your bank and use it on the eve of your monthly statement closing date. Use only small (say £5) and pay the interest. If you plan to repeat this, use the pattern in point two (2) above.

This is how I managed to build my credit score and it was ready within 6 months of my arrival. This was possible because my employer provided an Amex card that I was responsible for managing in month 2 of arrival. I applied for my personal Amex card, 3 months later. In less than a year, my score was more than enough to get my most priced asset yet.

Be intentional.

Jestin:
I will never fault the hustle hush puppy was involved in because in life , we all take from each other and the circle continues. Politicians take from the people , Businessmen and women take from their customers and so on. I will only fault him for the social media life he was involved in.

Yeah, because taking other people's things is okay. Just like stealing. Which means you will not also condemn stealing in as much as the thief is not flaunting it on social media. Or is it maybe you're also a thief and as you've already learnt not to take it to social media, you're fine? I come in peace ✌️

Lizzyluke2:
Hello Seniors in the house
please can someone enlighten me on buying house in UK.

I searched and I am seeing shared ownership, leasehold, retirement etc

I do not want to be in a mess and end up being in debt.

Thanks

Hey, this is a difficult question to ask but I'll try to give some help.

You can get a house with a mortgage and with help to buy with a deposit if 5% but this has to be a new property otherwise you'll need to provide from 10-25% depending on the terms.

When you're ready or almost ready with your deposit, approach the owner of the property you want. They'll direct you to a broker who will advise and connect you with a mortgage provider based on your circumstance - mostly credit score and how long you've been here and if course, your ability to pay based on your earnings. These guys don't charge you, they get their fees from the mortgage provider.

If you ask more direct question, I might be able to help.

Celebrate the season. Don't let religion spoil your enjoyment

MountainView:
Ashawo


Please, I'm looking for an investor for my Tech Startup

Send me a proposal to dot ng

100% Complete sir. Alert received! Nice doing business with you. Looking forward to more fruitful relationship.

Lexusgs430:
Deal 100% completed..........

Alert received. Thanks man. Your call calmed the panic attack.

Lexusgs430:
First part of deal concluded.....

Heading to the bank to go credit..... Nah cash we dey use (don't tell the taxman).....

Lexusgs430:
What rate?....

I can buy all if rate is mutually agreed.........


If you want to break transaction, so you send some, i remit £ etc etc

Till transfer is complete........

Thanks man, i've sent you a message on your whatsapp.

Good morning guys and thanks for all the advice and help. The is truly a bank of information for those who are in the UK and those intending.


Anyways, I'm based in Soton and I have some naira up to 2.5k pounds equivalent. I want to change to pounds. If anyone needs naira for pounds please let me know and we can arrange it.

I know this can be a risky business especially since this is an anonymous forum. We can use an escrow, maybe we both send the money to Lexusgs430 or any other popular person on this group.

Thanks guys.

KingAzubuike:
If I was president I'd legalize minor stealings aka petty stealings or better still stealing that doesn't involve killing. The country is too hard. Man must chop.

Man is greedy naturally. He will want more and would increase his desires when he succeeds with the petty stealing that you're advocating.

This is how fraud and ritual killings started aka yahoo yahoo.

Tuface - If to say na just me eee

HighKing01:
I sell tiles and make tarrazor floors, about 150k would be enough to excute the project at hand and I pay up

Send copies of your previous work to me at info at virtualaccountant dot ng with your whats app number too.

ewawumi:
I mailed you, the link ain't going through

Replied.

ewawumi:
Hi,
Please if you know anyone or anywhere u can get loan with valuable collateral, please help with links to them.
I need a minimum of 1,000,000 (1 million naira) to complete a viable business!
Help a sister in need!
Thanks

chat me on whatsapp let me know if i want to give you the loan - https:///KAZWuEEKVtC2NQEv8g87rM

HighKing01:
I need a loan

How much loan and what do you need it for?

.

HenryDion:
I'm an advocate of entrepreneurship, that however doesn't mean everyone should be entrepreneurs. In fact, before you become an entrepreneur, you have to first be an employee if you really aspire to attain the pinnacle. The training ground for entrepreneurs is only found within the seat of an employee. The only problem I have is when you become an employee for the wrong reasons.

No 3. This is very wrong. This entitlement mentality is the reason why you will keep having money problems till you die. No one owns you nothing.. Not even the government. The better you learn to take charge of your life is the moment you will experience real freedom.

No. 4. An entrepreneur who's financially educated pays little or nothing to taxes. If there's any one that pays ridiculous amounts, they are employees. I as an investor pays 1% tax out of my assets. I'm offered tax incentives by the government cause I help create jobs and houses. Employees pay almost 40% of their income as tax. I think Robert Kiyosaki made this more clear.

No. 6. No matter how high you're promoted, your responsibility will always try to catch up. Have you ever wonder why that money is never enough? This is what happens when you rely solely on your paycheck. Use your ssets to finance your liabilities.


If you're an employee because of fear, then you're an employee for the wrong reason.

Home of Entrepreneurs

great points but you're obviously not talking about Nigeria. you're not in Nigeria, right?

the highest tax an individual pay is 18.96% in Nigeria. the cost of doing business in Nigeria is high and compliance is very cumbersome. despite, entrepreneurs are still making it in Nigeria.

I'll go with entrepreneurship anyday but not before being an employee. being an employee before entrepreneur helps you with - Knowledge, experience, capital and network. if you've not gotten those four keys don't venture out yet.

cochtrane:
If you use WES, your ND+ATS+BSC will be evaluated as "Two or more certificates", earning you more points than a bachelor's. For the same WES, your ICAN will be evaluated, recognised, but will not add your scores and will not be evaluated as a professional degree. CISA will also not earn you any points, if evaluated by WES.

For IQAS, I can't say. But I guess could be same thing.

Thank you cochtrane for your detailed response.

I will appreciate more response to my questions please to enable me make informed decision.

"Good morning guys,

Thanks to all the people making valuable contributions on this thread and past threads. God bless you all.

I am new and would like to know how to commence my application. In respect to academic conversion, I have ND(Auchi poly), ICAN-ATS, BSC (Uniben), ICAN-ACA & CISA, I would like to know what credentials I need to send for conversion. Secondly, I don't know what institution to use - WES or IQAS. I have read some thing about these bodies but I've not been able to agree on the best.

A prompt assistance will be highly appreciated.

Thank you."

Good morning guys,

Thanks to all the people making valuable contributions on this thread and past threads. God bless you all.

I am new and would like to know how to commence my application. In respect to academic conversion, I have ND(Auchi poly), ICAN-ATS, BSC (Uniben), ICAN-ACA & CISA, I would like to know what credentials I need to send for conversion. Secondly, I don't know what institution to use - WES or IQAS. I have read some thing about these bodies but I've not been able to agree on the best.

A prompt assistance will be highly appreciated.

Thank you.