₦airaland Forum

Stereotypes:
I see am well well
God EPP me.

Amin.

Stereotypes:
My name says it all.

Did you miss the pun in my message.

Stereotypes:
Relationships don't suddenly disintegrate out of thin air.
Were you caught doing duggeedugeee or were you doing dugeedugee while thinking she didn't know?

How were you in Nigeria before you ported? If both of you moved from Nigeria,this is her repaying you for all that happened there .I have noticed the women wait till they land and then execute their revenge.

There's no way this marriage was happy and both of you were on the same page.

Very strange that she didn't let you put your name in any document,it means she had been planning this for a while and had checked out since.

How did you not notice?

Don't blame friends,its our usual default pattern when we notice our partner is no longer behaving like the usual default setting.

Your wife doesn't like you anymore and has been erasing you since bit by bit.

Once a woman reaches this stage, she's fed up.

Since its not working, please move on and coparent peacefully for the sake of your children while looking for immigration lawyer.

Chai! You go suffer no be small o! New apartment,visa fees,lawyer fees, bills bills bills .

Pele

looks like you know them personally. Talk about stereotypes. While that might have happened to some, there is no hint or insinuation from his writings here that that is the case. You should not be categorical if you are not sure of the true picture.

larryeffizy1:
Hi folks, I'm Sure we're doing good in our respective places.?
Quick one pls, I really need the help or rather a piece of advice from whosoever has been in this shoe before...; Because it's really affecting my marital life negatively and that's why I'm here if I could get a cool counsel on this platform bikoo; as we all know that a problem shared is half solved... The question is "How May/Can I get rid of Marriage Phobia...?

I'm above 30 and I'm really scared of MARRIAGE... A candid advice from you guys will go along way... Hence, if you have had the experience before, kindly share with me how you go about it and overcame it....


Thanks#

You should have addressed it before getting married. You cannot have phobia for marriage and get married (You claimed it is affecting your marital life so it means you are married).

lightest:
baba, I have 2 lovely boys that are doing great here

With kids involved, there may be a way. I am not sure if "right to family life" applies here but you can research that while we wait for the experienced ones like Lexusgs430. Meanwhile, what is you skillset? You can look for a Tier2 sponsored job as well.

obailala:

A swear

HonNL:
I Don’t Know Why COVID-19 Didn’t Kill President Buhari – Adamawa APC Chieftain

We heard that Buhari used to be extremely happy whenever he learnt someone has gone bankrupt. We can’t be worshipping him like others,” Mr Sirimbai said.

SOURCE

Na this one off me.

valentineuwakwe:
Source: https://dailypost.ng/2021/08/08/senate-tells-nbet-to-refund-n132-million-spent-on-drivers-uniforms/

N2.5m on uniform for how many drivers? Was it necessary? The remaining amount spent on overseas training that never took place should be refunded and those found culpable should be prosecuted. It's sad that the headline is totally false.

Preciousgirl:
Naija guys
Marry a Ghanaian woman o
Or an Ivorian
We are natural cooks



I am out

Please be mindful of you and your husband's health. That picture does not look like a healthy meal. Perhaps you could do with less fat/oil.
God bless your home.

Thank you.

RalphJean:
https://nitp.ncdc.gov.ng/onboarding/homepage

Please what is the Covid 19 process for travelling to Nigeria? Any links?

Ticha:
Hehe teaching is my daytime job. But that teaching eh, can't sort my future the way I want. So property it is. Interestingly, although property is our side gig, it pays us way way more than our daytime jobs. But packing in the daytime job will kill our affordability. Chicken and egg situation

Nice one. Thanks for sharing.

gracedson:
Nah true oo, I thought I was just lucky sha, so they all squirt, Omo

Ah, you too. Not even a week yet.
Weh done sir.

Ticha:
Using our latest family home purchase as an example - we bought a 5 bedroom, 1 bathroom, 1 garage semi-detached in 2017 for £225k. We put down a 15% (£35k)deposit as we were buying as a family home. Interest was 2.18% so monthly payments just under £700pcm.

We then spent £55k (cash reserves) on the renovations. It included taking it back to brick internally, putting new windows (was single glazed), central heating, kitchen, re-wiring, created a 2nd bathroom by splitting the garage, carpeted it throughout. It took 5 weeks because we know people in the industry and also had somewhere else to stay so weren't living in a building site. Remember we have 3 children (they were 3, 1.5 and 1.5 then) so we're a family of 5.

All completed - we had spent £90k cash to include the deposit upfront luckily the money came from the sale of our previous family home. Let's imagine that we did it on a budget we would have needed at least a 10% deposit (£22.5k) and another £15k min for a cosmetic renovation (central heating, double glazing, new bathroom, and kitchen) and if we were living in it then it'd be a room by room reno - taking longer and most likely costing more. That's by the by. Our total expectation was that the value would be at least £300k. As it's now a 5 bedroom, 2 bathroom house. If we had taken a bridging loan for the £55k for 6 weeks, interest wold be around 8%, application fees about £1,500, broker fees around £500.

We then left the UK, asked for consent to let and put it in Airbnb for 1 year and did make quite a substantial amount of money from that because it can sleep upto 12 people. CTL was granted for the duration of the rest of our fixed period so 5 years and we were expressly told at the end of that, we would have to revert to a BTL mortgage. CTL cost £199 and we have to re-apply annually.

In 2019, we broke the fix and refixed it for 2 years at 1.8%. The bank did a valuation and the value came back at £265k. Remember adding all our costs means we need it to be £315k to break even. Anyway refixed and rented it out properly. Tenant was paying £980pcm. Mortgage was now just over £600 a month but a repayment mortgage. Meant we could square away £280 ish a month (agent fees and commission is 10%) Luckily, we're not working in the UK now so no tax but if we were working in the UK then £980 - expenses = whatever is left is liable for tax.
That tenant left Dec 2020 and we spent about £5k tarting it up for the new tenant. New tenant is now paying £1250pcm. The mortgage is still just over £600 pcm and it's repayment.

Now 2021 - we have overpaid that we now owe about £150k on the house. So have equity of about £100k. We are remortaging to refix again and take some money out to buy a house in Glasgow. First and foremost, we have to come off the CTL cos we want to leverage the existing equity. It means higher interest rates however it also means lower payments because we will move to an interest only mortgage.

The house is now valued at £290k 4 years later. We must leave a 25% equity in it and have a 25% deposit for the Glasgow house (Looking at max £80k (£20k deposit). It means we need £75k as deposit for the existing house and £20k for Glasgow. The equity just about covers it. Mainly because it's a cheaper house. Much more cheaper. Then we need solicitors fees, stamp duty (2nd home so 3% of purchase price), survey fees, application fees (all BTLs charge it) and the house must be in walk in condition otherwise we need reno costs so maybe another £5k/6k ish. Our new re-fix is for 5 years at 1.3% and interest only so our payments will around £360 ish a month. Remember the rent is £1250pcm. Then iya Charlie takes her cut re tax.

Now compare that to the very first house we bought in the UK in 2010. 2 bedroom leasehold flat - paid £105k in Bristol. It's now worth almost £300k. When we rented it out in 2012, the tenant was paying £280pcm. The current tenant is paying £650pcm and we've almost paid off that mortgage. 11 years. property is a long game.

Recycling cash out of property is the way to go however it pays to know exactly what you're letting yourself in for. Buy right and hold. Property is a long term game. You buy and sit on it and you make the gains. We haven't had to front up a cash deposit in a long time.

You want to go into property? Ignore all those property gurus on YouTube.
Do not pay for any training courses! Join a PIN (Property Investor Network) group in your area - they usually meet monthly and network.
Join Property Tribes.
There are some useful UK property groups on FB.
Get clued up on financing property.
Find a very good broker and lastly, have a source of income no matter how little.

Property goes through lean and good times. In 2015, 2 of ours were empty at the same time, one with extensive pet damage. It's also incredibly hard to remove a tenant. You have to go through the courts and in the meantime, they can stop paying rent. It currently takes at least 14 months to remove a tenant through the court system.

But it is by far the best investments we have done. So my advice? Do it but with eyes wide open.

thank you. I am quoting this for keeps. I thought you were a Ticha, I didn't know you are also a real estate guru . Thumbs up.

vincentao:
My short review about Kigali, Rwanda:

Nice and organized place. They are quite conservative. Understatement. They are very conservative.
Foreginers are the ones bringing in the money.
If you don’t speak the local language, expect to pay x5.
Quite secure, very low crime rate.
Rent is expensive, but luckily for me I met a Nigerian guy that helps people get short term stay houses according to your budget. Most landlords/agents would rip you off simply because you don’t speak local languguage. They also think ALL Nigerians are VERY RICH lol. Nigerians are really hustling here sha.
Nigerian food is also available but costly. Tried a few but the only ones that seemed to know what they are doing was www.bestnigerianfoodinkigali.com. I simply ordered online then they delivered to my apartment and their portion sizes are big with and comes free chin chin or puff puff lol.
Low purchasing power seems to be the problem for businesses, hence competition is stiff.
Last but not the least, Rwandan women. Beautiful to behold with great curves and slim waist. Omo they can squirt for Africa and beyond haha. They call it “Amazi” meaning “water” lol

Now now? You try.

EngrSaks:
That's not bad, like I said it's not a bad option but it's not the best.

In 2 years with renovations to your old house you would have been able to move to a new one and put the current one on rent

Looking at a situation where we can all increase the number of property we own in the shortest time

Africans are not very well represented in the property market. Its something we should all be actively thinking about

No, in 2 years, I would have been paying rent while waiting to save up for my deposit. If I had the 25% deposit from the outset, why would I go for HTB except if I have other investments to put the money into?

Estroller:
New builds are known to be generally more expensive than old builds because they are freshly minted and this gives the occupiers the privilege of being the first to live in the house but that privilege adds extra cost to the price hence the premium.

True there are no guarantees of price increase on an old build in 2 years, but you are much more likely to make that gain with an old build expecially one that you've added value to than you will with a new build within thesame time frame.

Your deposit and equity(which will be negligible because your lender will front load their interest in the first few years of the mortgage) will still amount to thesame initial stake you own in the property except you've paid off or significantly reduced the government loan. This I reckon won't exactly put you in a position to buy without another help or at best leave you with the option of buying with a high LTV which you could have done earlier anyway without the HTB equity loan.

HTB equity loan I will say is mostly suitable for those finding it difficult to save up a deposit, if saving up a deposit is not a challenge then steer off HTB equity loan and if you must use it be prepared to stay put for a while before considering selling.

HTB is designed to help those without enough money to make a huge deposit to get on the property ladder. If the government takes a portion of the profit(or loss) on the property, I don't see anything wrong with that.
I bought a property about 2 years ago using HTB. My decision was based on the fact that I was looking for a bigger house and the ones available had ridiculous rent (almost what i will pay as mortgage). I instead opted to use the HTB scheme with the 5% equity I had.
Now when I remortgage this year, My house was valued at £27k higher than I bought meaning if I paid off the HTB scheme, they will take 20% or £5400 of the "profit" leaving me with £21k "profit". In the lat 2 years, I have also built up equity such that if I sold at current rate, I will have more than what I would have saved while still renting. The rent would have gone to the agency while also looking for spare funds to save towards my deposit. For me it worked and I know the feeling of having to part with some of the value appreciation of the building but it is what it is. I plan on remortgaging when my current rate expires and use part of it to payoff the HTB.

EngrSaks:
Guys please think through before rushing to buy a new built house with help to buy o, it's not bad but buying an old house is alot better...

I know 2 people that bought houses roughly the same time...one bought with help to buy and the other bought with the normal old house deposit

The one that got the old house has remortgage, placed the house on rent and have gotten another house...while the one with help to buy has their liability to the govt increased


Even if it means waiting a year extra to gather the old house deposit, gather it, and then upgrade the house small small...in a few years you can remortgage, change the use and get a new house (with the increase in value)

Stay woke!

Please can you elaborate more on the limitations and drawbacks of Help to buy?

mespusinglez:
Well when I visited her unannounced, I met my deputy over there on the bed with full plate of rice and stew with fried fish...

Babe that hardly cooks for me, she always prefers to buy me malt, junks when I visited, las las I was introduced as a friend, the thing con be like say na me be the stranger for the room...

I codedly told her am coming and I left... And that was the beginning of the end. Met me the next day in school as she was like it's not what you think....

From what you wrote, it looks like you were the deputy o.

Elderss:
Just standard ooo. Man pikin had to use the 100 quid for london flexing

Nice, thank you.

Elderss:
And my passport FINALLY arrived 30 minutes ago at my doorstep.

That was quick. Did you pay for the same day processing(£100 extra) or just the standard one?

After almost 20 years. I hope this will not end up like other water projects that some Niger State officials used to line their pockets.
Meanwhile, Lolo is NOT working.

controlbeck:
Hi guys good morning. I applied for [b]UK work visa through an agen[/b]t here in Nigeria I have not been booked for an boimatric appointment and below is the email they sent to my agent since last month. I want to know how long it might take for the decision makers to take decision.

Why through an agent? Is the agent appointed by your employer? Did your employer issue you with a certificate of sponsorship? If no, I will advise you to be careful because you are toying with a 10-year ban.

Leleky:
With profound humility, I wish to know the success rate for Visiting visa application to UK recently, especially applicants applying for UK tourist visa for the first time and using Hotels and tourist attractions in their application.
Thanks

Send a freedom of information request to the Home Office, they may have the statistics for you. No one here has that.

Yemolu:
Hello my people, pls i need to know if it's possible to switch course within the same higher education provider that issued me CAS.
I applied for MSc cyber security (a course I reallyyyy wanted to pursue) and got a conditional offer but the fear of raising any inquisition about academic/work progression in my visa application made me refrain from pursuing it (also cause it was highlighted on my GCMS note as reason for my canada study refusal so I didn't want to risk it or make the same mistake with UKVI). I settled for Msc Forensic Accounting cause my undergraduate and Professional degree is in Accounting.
Now that I have my Visa, is there any chance of me switching to this course without any consequence. Or I should just jejely face front with my Msc Forensic Accounting??.��
cc@justwise your input would be highly appreciated too pls.

You should have stuck with it. The UK does not care about your first degree as long as the school gave you admission. I am not sure what the process is for switching but since CAS is involved, the school will have to withdraw the CAS while the one you are switching to will issue you a new CAS which I believe you need to send to UKBA. Goggle it or ask on the student visa thread.

Heymus:
It's a very big snake indeed, peppersoup is ready.

Why didn't they skin the snake first before cooking it?

youngmo001:
The door net was there before she packed in. After some years, the door net got worn out, she only renew it. Please read the topic again, for proper understanding

It's your duty as the landlord to repair the door net. If she had not repaired it, would you replace the net for a new tenant? If your answer is yes, then replace it. It's been 5 years anyway and that house should be due for repairs and renovation.

Lexusgs430:
Full GFE on tap.......

Ehn! So will she cook and do the laundry?

Giltwise:
You can send me a pm.

Hi, Thank you. I have sent a message.

Glowing1:
Btw data analytics n business analytics which is better?

I don't know what you mean by "which is better". For me they could be the same and also different. Some of the skills intersect.

Giltwise:
@Chukwuka16 well done for the detailed response to @coolcube questions.

@coolcube, PLEASE do not pay to do a PhD outside Nigeria, it is crazy and suicidal to do so. Do everything within your capacity to get funding. I can guide you on that if interested. There are one thousand and one scholarship and studentship positions available (check findaphd/com and jobs/ac/uk). Also, you can write a solid, well researched proposal and target a top PI who will likely have a grant. Target schools in Australia, UK, Europe and SA as Chukwuka suggested. I repeat PLEASE do not try to pay for a PhD. It is not worth it. You will be drained by the end of your programme if you want post PhD life. Imagine, working round the clock to pay school fees, bills and you still want to publish in top rated journals. My brother, one must suffer for the other. Don't just get a PhD, get a worthy one.

Above all, seek for divine guidance.

Peace

Hi Giltwise, please can you guide me on how to go about this? Thank you.

haslaw:
Lol... Keep teasing until they lock you up.

https://thehimalayantimes.com/ampArticle/156525


https://www.k24tv.co.ke/news/fake-engineer-arrested-for-forging-tender-documents-33122/


https://www.ajc.com/news/national/fake-engineer-arrested-after-trying-nab-million-construction-contract/GWKJryFwjeIMuttGkjmZiI/?outputType=amp

All the best "Engineer" haslaw.