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Dustydee's Posts

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TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 6:07pm On Jan 08, 2023
Chreze:
Yeah that would have been easy, but I don’t know much about tax n the tax system in the UK, I don’t even know the transactions one is even suppose to declare to HMRC, so I am just playing safe, my office pay me salary n sort the tax stuff, while I trade with my Nigerians that we know how to sort ourself. Government of top countries (US n it’s like) for some reason have been eyeing cryptocurrencies n crypto investment. I don’t know what their plans are.

Imagine one day you are contacted by HMRC that you owe £100,000 on tax for your crypto transactions in the last 5yrs. Where i won start from? Money wey I don give school for fee and pay landlord from.
The tax situation is why I try to avoid using it but I still end up using it. If they have your KYC and can trace transactions on the spot account to your, there's nothing that stops them from tracing p2p transactions on the platform to you.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 6:03pm On Jan 08, 2023
bigtt76:
You risk your UK bank shutting you down because of the cryptocurrency connection.
They may but I have been lucky for the past 3 years or so now without any issue. You may have jinxed it now. undecided
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 6:01pm On Jan 08, 2023
Newbie123:
I checked. I'll loose over £2000
I doubt you will "loose" that much. The rate usually isn't alway far off from the p2p if you are converting large sums (Large enough for you to lose 2k). You can also set sell limit for a higher price and hope it fills..
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 3:40pm On Jan 08, 2023
Chreze:
@Newbie123


While I sold to people I did the normal checks on, I still wasn’t comfortable cos I didn’t know anyone personally. At this time I had transacted far over £10k in a short time and I became very scared.

Why all this long story, I am just trying to tell you not do it. If one commits crime and goes to jail, that will be fair, being under investigation for something you know nothing about is crazy.

My advice will be for you to sell your USDT to naira, then buy pounds from someone here using simple rules.

1. The details you use in sending naira to the persons Nigerian account is the same as the one sending pounds to your UK account.

2. When the person provides his/her Nigerian account, do detailed investigation in Nigeria with your contact to be sure the person is real and operates the said account regularly.

3. Transfer just what you need monthly for fees, you don’t have to do large transaction with the person since you don’t know them personally (regardless of your security checks on the person).
To avoid all these issues, you can simply use the Binance swap and convert directly to GBP and then send to your account. Fee is only £1.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 4:00pm On Jan 03, 2023
Missposh:
Dear elders, abeg are there countries one can visit without a need to apply for visa as a student or tier 2 visa holder?
Ghana, Benin, Niger, Barbados and all visa free countries to Nigerians. (I assumed the person is a Nigerian passport holder).
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 10:01pm On Jan 01, 2023
bigtt76:
Ha... That's the best way really if one could afford it. But how did you navigate the aftermath?
Not sure what you mean by aftermath but we both had good jobs before coming and were intending to go back to our jobs. We just took leave.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 9:58pm On Jan 01, 2023
kode12:
Again I say, haba now?? No need spitting hairs, but your case is 1% exception. We can't give generic advise on the exception. That said, abeg show us the way now, let us line up all our village people.
Sure, no wahala. I only responded because someone said it was impossible. Now while it is possible, it is highly unlikely that they can save that amount.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 8:15pm On Jan 01, 2023
kode12:
Haba nowhuh For a single person to survive on 20hr job is near impossible talk less a couple. Where do they want to stay? Bills inclusive house share with five other people?
I went and re-read his/her qustion again, there was only a mention of savings. We were not given any information on their personal circumstance. What if they have everything sorted?
The single biggest expense is accomodation. What if that's settled? I had my accommodation settle for the duration of my course so did not have to worry about that. The only utility I paid was electricity which was just over £50 a month. It was a student accommodation so no council tax, no broadband subscription etc.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 8:11pm On Jan 01, 2023
bigtt76:
Show us the way naaah cry
Which way? I had "all" the money before coming to the UK so no pressure to work.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 8:10pm On Jan 01, 2023
mex551:
. And you save £3000 per month! Congratulations. Abeg show us the way
Where did I say I saved £3000 a month?
Even in my statement you reacted to with "impossible", I said if the spouse was working and I gave a salary.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 5:03pm On Jan 01, 2023
mex551:
not possible with what u just wrote. How much will go into utility bills, rent and groceries? Is he living in a free house ? Can you do all that with 20hrs per week job? No give the guy false hope. They don’t pick money on the street here
I am always careful when using the word "impossible", especially when I am not aware of the full facts.
I will give you an example.
My spouse and I came for our masters at the same time. Neither of us workd for an hour during our study and yet ALL our bills were paid. Now I am sure you are screaming "IMPOSSIBLE".
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 4:04pm On Jan 01, 2023
sugarkemi:
Happy new year. Please I need a sincere advice for my next move.I got admission to southwales for Feb intake . I'm making 6 digits monthly here in Nigeria.I have a wife.As a Student with dependent is it possible for both of us to be saving like 3k pounds in a month.
hi,
Short answer is : It is possible.
Your dependent will have to get a very good high paying job while you also work to support the family. For example, if your spouse gets a job paying ~ £55k, their take home will be around £3080. You can choose to save all of it while surviving on your 20hr a week job.
On your followup question on earnings after school. Again, it is very possible but both of you need good paying jobs. Once a child is involved, it becomes harder.

According to the CPAG, the cost of raising a child (excluding housing, childcare and council tax) from birth to 18 is now: £160,692 for a couple family. £193,801 for a single parent/guardian.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 12:11pm On Jan 01, 2023
Phayie:
As per the naija wey I know, I can bet it that there's going to be extension two times
That's possible. But it does not mean the senate "ordered" it.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 10:34pm On Dec 31, 2022
ukay2:
But Senate said deadline should be June 2023 nah...
The senate never said that and they have no power to say that. They only "appealed" to the CBN to extend the deadline. If the CBN refuses, there is very little the senate can do.
CelebritiesRe: Destiny Etiko Adopts Her Gateman's Daughter, Shades Estranged Adopted Daughter by dustydee: 8:45pm On Dec 30, 2022
Otutumeletus:
Send your whatsapp come
Baba the guy na scammer. Do not fall for this.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 6:00pm On Dec 30, 2022
marylandcakes:
Peckham
Thanks, any address?
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 5:50pm On Dec 30, 2022
Dappy25:
Hello �, please I need a referral link to apply for AMEX credit card.

My wife and I have been in the UK for 4 months and want to start building our credit. We have already registered to be on the Electoral voters list.

Thanks.
Here you go. You get 6000 Avios if approved and you meet the requirement.

https://americanexpress.com/en-gb/referral/dAVIdGwbr6?XLINK=MYCP
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 10:49am On Dec 25, 2022
Please does anyone know where I can swap naira for pounds or the new naira notes?
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 12:19pm On Dec 20, 2022
jum33:
Can anyone recommend a good and affordable data analysis bootcamp that provide the much needed training as well as internship job experience and ready to give the required support till you secure your dream job and also have strong network in the job market
I have been checking some of them online ( 1.Masterschool-should be the best with juicy offer of paying tuition only when you land a job but too expensive @ £11000, 2. Careerera- cheap but bad online review can't afford to waste time and money o ,others :AIcore ,pitmann etc )
Abeg I need recommendation from our fellow naija that must passed through this same process .
I recently saw High Impact academy. I have not tried them but you can have a look. There's also CYI consulting and other bootcamps based in Nigeria. I doubt any of them will give you all that you have rquested but should be a good starting point. I went through CYI and got decent training but struggled with the job search aspect as I did not have a "real life" project I could speak to convincingly during my interview.
In the end, you have a very big part to play and the key is being able to speak the language and ability to relate the skills to your experience.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 8:21pm On Dec 16, 2022
Progressivegee:
Update!

Hello guys, thanks for your responses and concerns. I replied my employer and stated some of the incidents of ill treatment, bullying and threats I received while working for them. I also told them to go ahead and report me to home office. After a couple of days, they mailed me to return my uniform and other company items in my possession. They also called to ask if I was still in the town or I had left the country. Lol. I laughed in my mind. My successful visa application mail was sent to me already. I took the items to them today. The MD came out in person to receive the items and went back in immediately. As I turned to leave, I said in my mind "good riddance".

I will be resuming work at my new place of work (a care home, no longer domiciliary care) in a couple of days.

Thanks to everyone once again for your suggestions and advice.
Congrats. He realised he lost his hold over you. Please in the future, never take nonsense from any employer (But be reasonable). Do the right thing and expect them to do same too, if not speak out (speak with people you trust or professionals).
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 1:41pm On Dec 16, 2022
Nanidiiii:
Thank you but she is not sure if she needs to upload her certificate from her masters in the UK for her proof of english language, COS and her tuberculosis certificate from when she first moved to the UK. Please house for those that have switched from student visa or graduate visa to tier 2 what documents did you have to upload or if you uploaded any at all.
These questions are best answered by reading the requirements. The instructions are clear but if there is anything in particular you are not clear about ask. Requirements change often and some be due to your peculiar circumstance. Don't over think things, the UK visa process is easy.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 11:41am On Dec 16, 2022
Nanidiiii:
URGENT PLEASE

Hello Everyone please my sister is about to apply for her tier 2 visa inside the uk from graduate visa but she was issued a COS almost 2 months ago and it read that her start date was 11th of November 2022. She is worried that the application will be rejected because she is just applying now. The COS expires in January but she wants to apply now but is worried as her work start date has passed - she couldn't apply because she didn't have the complete money then but she has it now so wants to do it-one of our friends said it doesn't matter that as long as she applies before the COS expires she will be fine.

Also does she need to upload any information as evidence during the application like - the COS?

Is this true please because she is really worried because her current visa expires in 2 weeks and she doesnt want this one to be rejected.
I will say if she has all the requirements, she has nothing to fear. The COS is still valid and the job is still there so don't over think it.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 4:09pm On Dec 13, 2022
Viruses:
Is there a way to fund binance account and also withdraw from it in UK without any implications.
I use Revolut. I tried it some weeks ago after I read here that banks close accounts and they haven't closed mine. I also used it two days ago.

DoubleN:
Used Revolut some days ago as a first timer withdrawing. Opened Coinbase and Revolut minutes apart just to do this.

So the Process used was this Wallet >>Binance>>Coinbase>>Revolut.

Come back with your testimony grin
Curious, why go through this route and pay more fees? Why not Wallet >> Binance >> Revolut?
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 3:50pm On Dec 13, 2022
iboboyswag:
Reply with semmyk's draft and state these things as an addendum. State the names of the persons who have threatened you and possible times they did.

Be factual but allude more to how these acts have affected your mental health.


Also, ensure your new COS is titanium locked so, you have a new contract to hold on to.


Cheers.


Just to say this.

When on your right and as it alludes to intimidation or issues that affect your mental wellbeing, no fear, stand your ground.

On this platform, issues far stronger than this have been resolved. People, including my humble self don write home office for here query them, nothing happened. Schools have been queried with HO join and the issues resolved.

Just make sure you are speaking the truth and stating the facts.

You would be fine.
I won't advice him to use that as draft. Semmyk's comments are often not easy to understand. It's better for him to keep the language simple and terse.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 11:22am On Dec 12, 2022
eniola1010:
My oga do u have official link (not third party website) from uk gov site of employers (both health and non health niche) offering sponsorship?
https://www.gov.uk/government/publications/register-of-licensed-sponsors-workers
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 8:40am On Dec 07, 2022
sgtponzihater1:
Anyone can link me to a Nigerian divorce lawyer in the UK urgently. I have paid so much money to another tribe man, and I don't understand any of his grammar. Help pls!!!
I wish you the best. I thought you went your separate ways but now a child is involved. That can complicate things, get a good lawyer.




iboboyswag:
Chief can't it be worked out?

I don't know what it is, but I know the pressure this side can make us think sometimes that staying away is the best option, but it shouldn't be that way always.

We can fight, but make we no press eachother neck na.
He probably should have walked away years ago. Divorce is not a decision to be taken lightly in most cases, especially in this country.
PoliticsRe: 2 Teleprompters As Tinubu Spoke At Chatham House - Jaafar Shares Photo by dustydee: 10:32pm On Dec 06, 2022
ArcFresky:
I am not in support of Tinubu, but its like if he even eats, people hate.

And when people hate everything about someone, that person is probably soing something right, but unfortunately, not in this case shaa, people just hate his success.
lol grin The guy don suffer
PoliticsRe: 2 Teleprompters As Tinubu Spoke At Chatham House - Jaafar Shares Photo by dustydee: 10:19pm On Dec 06, 2022
EtinosaDLaw:
The journalist Jaafar S. Jaafar shared the photo on his Twitter account with the caption:



Source: https://twitter.com/JaafarSJaafar/status/1600061778406256640?t=kkO5uqnOQ1lWbmB_BJPuNA&s=19[/quote]I missed the point, what is wrong with using a teleprompter?
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 9:44am On Dec 06, 2022
deept:
If you live in a 3 bed house and you use one of the rooms for your business, you can claim 33% of the interest on your mortgage as deductable.

Ps. Not an accountant or tax consultant but me done research on what and what is deductable as I'm looking at towing self employment line. Do your DD to confirm
Yes but I was asking for someone who is a staff and not a contractor. My understanding of his/her post is that you can claim interest back from HMRC, which caught my attention but I want to know the caveats or limits of that statement.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 7:25pm On Dec 05, 2022
japhethGold:
THE UK TAX FILING SEASON 2022

Tax season in the UK is the period of time in the year where ALL residents who are taxpayers are required to declare their incomes and submit their tax returns with the Her Majesty Revenue and Customs (HMRC). The season for filing taxes for 2022 has commenced in October 31st 2022 and will end on 31st January 2023. So make sure you file your taxes whether you are in full time employment or self employed.

The benefits of filing your taxes are huge.
1. You have the opportunity to claim the personal allowance of GBP12,570 each year,
2. you can claim some reliefs such as interest you have paid on mortgage loans you have taken to acquire apartment, which means you are effectively transferring all mortgage interest to the government while you are repaying only the principal of your mortgage loan, and
3. You are complying with the tax laws and avoiding paying late penalty charges. i.e GBP100 for first week.

You can do the filing online on HMRC website but if your incomes are not straight forward, it is better to get a tax consultant handle it for you to avoiding exposing yourself to high tax risk.

Let me know if you need help with your taxes. Also, follow me on Tiktok @japhethjev1 for daily tax and finance tips that can save you fortunes in the UK. My advice on Tiktok is to help Black immigrants navigate taxes and manage their finances better in the UK.
Are you suggesting a private person can claim interest on a mortgage? Never heard this before. If that's the case then need to find me an accountant. Can it be claimed retrospectively?

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