₦airaland Forum

Jamesclooney:
Thanks for providing the roads. I’ve just looked on Google maps and there’s no way I’m leaving my car on that busy road for extended period of time.

Knowing my luck, it’s the one time I park there that the car will be clamped 😂

My cousin used a service at heathrow, they company will collect your car and bring it once you arrive . He paid 70quids for 10days

Hello
Which is the best car to buy with £5,000 budget?

Hello good people.
I need contribution on way forward.

I just moved out from an apartment and I tried all possible best to put the flat in shape so my deposit can come back in full payment.
After the checkout inspection the Estate agent emailed to inform me that there are cleanings and fixing to be done in the apartment and they will get back to me as regards the estimate.
I replied to inform him that I have tried all my possible best to put all in shape before leaving the apartment and I don’t see any place that requires cleaning or fixing in the property.
The Estate agent replied my email and inform me the landlord is ready to settled for £100 and give me
the rest , if I agree he will contact TDS to remove the £100 and close my account. And if I disagree the Landord will pursue all means to get me fix and clean on my cost .

Is it reasonable I let go, mind you when I went through the report there was no significant difference from when I moved in and when I left.
Thank you

Oga @Lexus
Pls I want to slide in your DM
oooo.

I need a crucial guide on an urgent matter .
Thank you

Jamesclooney:
Can anyone personally confirm KLM and airfrance flight via Amsterdam and Paris no longer requires transit visa.....just the BRP?

With the report of a guy that recently used AIR France, BRP was all that is required

Hi guys , Is it advisable to use same energy supplier company for both gas and electricity .
And which supplier is doing well with energy supplier now as regards to cost effectiveness ?
Thank you

I am seeking to go for Umura(Lesser Hajj) next year. Anyone know the process and cost for family of 2.
Thank you

edmasta01:
You don't get taxed on what you save. If your savings earns money e.g. interest, you get £2,000 (i think) without getting taxed. I won't worry about tax on your savings until you get £100,000 saved in your account.

That why I love this forum. Konibaje

edmasta01:
To be honest, it depends on your current situation i.e. I don't know much about your financial and family situation so it's difficult to say.

But for an individual who has a moderate family of wife and two kids (and you have your residence already), I'll try and keep saving until i have about £40,000.

Then I'd find a 2 - 3 bedroom in an area where you can get £120k property that needs refurbishing (e.g. Hull, Stockton on tees, stoke on trent) and get a Buy To let Mortgage on the house and refurb it with £10,000 (I'll do the painting myself, do some of the cleaning and only pay professionals for the bit I can't do) and resell it or refinance it.

If I sell for £140 - 150,000 - I'll cash out my profit and rinse and repeat the process.

I'd usually just (a) Use Youtube to watch how others are doing this type of renovation (b) search rightmove and zoopla for potential properties selling and go from there.

But if you want a totally hands free investment, Vanguardinvestor is still a good place to keep your cash (Please note - investment like this is usually for the long term and investment can go up or down - so please speak to a financial advisor as my content above is just my own experience).

Thank you once again . Will look into the hands on investment. Can I save up to 40k in my savings account and not attract government tax on it ?

edmasta01:
Hello Efftyy, welcome to the UK. I hope you are enjoying your job.

Here are the few investments you can consider:

1. If you are below 40 years old, you should open a LISA. With LISA, you can save £4,000 and govt add 25% ontop of it for free. More info is available at this link: https://www.moneysavingexpert.com/savings/lifetime-isas/#:~:text=If%20you're%20pushing%2040,to%20pay%20in%20any%20more).

2. Consider maxing out on your pension on the NHS. Check with your HR to ensure you are contributing the maximum that NHS will match.

3. Open a Shares & Stocks ISA account (use Vanguard Investor) and then select one of their funds to invest in. A good fund on their website you can invest in is the S&P500 ETF. Just set up direct debit monthly of how much you want to invest and they invest it automatically for you.

4. Ensure you open a Junior ISA for your kids (if you have any) and just save in them monthly.

There are others such as SIPP etc.

In terms of what you can engage in legally, you have two options:

1. Do multiple jobs (You get double income, but you will have no life)

2. You can do business. The business aspect is split into two (a) The general work for yourself business like Amazon delivery using your car, food delivery, e-hailing cabs etc. (b) You can start a proper business selling a product. But this one depends on what you have flair for but you can sell anything really. You just need to learn to market it online.

What investment will you prioritise if you have a savings of 14k pounds ?

edmasta01:
Hello Efftyy, welcome to the UK. I hope you are enjoying your job.

Here are the few investments you can consider:

1. If you are below 40 years old, you should open a LISA. With LISA, you can save £4,000 and govt add 25% ontop of it for free. More info is available at this link: https://www.moneysavingexpert.com/savings/lifetime-isas/#:~:text=If%20you're%20pushing%2040,to%20pay%20in%20any%20more).

2. Consider maxing out on your pension on the NHS. Check with your HR to ensure you are contributing the maximum that NHS will match.

3. Open a Shares & Stocks ISA account (use Vanguard Investor) and then select one of their funds to invest in. A good fund on their website you can invest in is the S&P500 ETF. Just set up direct debit monthly of how much you want to invest and they invest it automatically for you.

4. Ensure you open a Junior ISA for your kids (if you have any) and just save in them monthly.

There are others such as SIPP etc.

In terms of what you can engage in legally, you have two options:

1. Do multiple jobs (You get double income, but you will have no life)

2. You can do business. The business aspect is split into two (a) The general work for yourself business like Amazon delivery using your car, food delivery, e-hailing cabs etc. (b) You can start a proper business selling a product. But this one depends on what you have flair for but you can sell anything really. You just need to learn to market it online.

Thank you for your reply . God bless you

Hello seniors in the house. I am a skilled worker working in the NHS. I have spent less than 24months in UK and I have tried all means to get information on investment that will help me and my small family in future . A lot has been said about the SP500, Lisa and ISA but what can individual engage in legally in this country to keep poverty mouth shut for life😔.
Ppls don’t air me

Solumtoya:
At this point, we need to consider opening a "UK - Politics" thread so we can leave this thread for "Life in the UK"...

I pity new folks who would want to read through the thread to gain knowledge like some of us did when we landed here. Nowadays, no one asks questions anymore because the thread is so heated with far-this and that arguments. When people ask questions, there's barely answers. Even US Politics goes on for days and I wonder.

It was almost tolerable before the Elections since it was assumed to be campaign but now it's just name-calling and ideology-dragging talk that barely benefits anyone.

Again, maybe the group has matured so much that people don't need those childish yarns about jobs, housing, driving, visa, credit, travel, etc and are now more focused on the big British talk

Pls let us go back to Life in the UK. I found solace in this thread always before now. We are talking about politics and name calling too much

Lexusgs430:
Why seek access to only UK local channels, when you can have access to the whole world for £25.00.........🤣🌍😂😁

Oga lexus I don email you ooo

horlahxeyi:
Good day all,

Pls what step can i take to retrieve my money or report a man that collected owo from me for C*S (ìwé fun sponsorship) dnt mine me....we all understand.

Thanks.

it happens to a family friend. We reported the account to the bank . It was recovered for us and the bank still pay profit for the delay

ehizario2012:
God bless Air Peace. Imagine if His Excellency Peter G. Obi was sworn in on May 29, 2023? By now it won't be only Air Peace ruling the skies, Innoson (Nigeria) motors would have been the government official car, modular refineries would have been licensed, National refineries would have been on the way... Most likely some of us here would have stayed back in Nigeria. But it is what it is... We'll eventually get there.

Let rest and see front jare.
PGO Get magic wand ?

Schoolhike:
Your employer will need to inform the home office

Thank you

Kindly give more clarity to my situation.

I worked as a HCA in nhs in band 3 sponsored role, I was able to secure band 4 with same Trust.

Do I need to carry out any updates on my visa?
Is any update needed to be given to home office ?

Thank you

Lexusgs430:
Don't park until they inform you that, they have cleared immigration and collecting their luggages......

You want short stay, the carpark within the terminals building.,......

NB: Loads of free parking spaces, as your approach the terminal (sort of opposite Hatton cross station)......

Use this to monitor flight status

https://www.heathrow.com/arrivals

Thank you for
your reply .
But is it advisable to go for the free car park when there is loads to pickup?

Hi Elders
@Lexus pls , If I want to pick up family at Heathrow airport, will I park in short stay car park or longstay car park.

I saw information on heathrow that explain that 30min is free for Long stay car park and no free for short stay car park
N:B I am driving into terminal 4

Thank you

mayowa94:
Good morning
My sis booked her flight for the 27th and we just noticed that her visa is from 28th
Would this be an issue?

She won’t be allow to fly on british airline and if she is not using british airline . She won’t be allow at the port of entry . Changed date

Resurgent2016:
There are a few insurance companies that would accept non claims discount from Nigeria. If you can obtain it, try it, should bring down the rates if not done

Pls how can I obtain insurance certificate from Nigeria ?
Do admiral accept the certificate

Good people

Please I want to ask the best way to explain the variation between the The date of issue of NPC birth certificate and the actual date of birth.

The VO need’s explanation why the Npc certificate was just issued in 2021 while the applicant was born in 2014.

Thank you

Lexusgs430:
Those who have ears...... May they hear.... Those with eyes, may they read ........ 😂

The cost of disobedience, would outweigh the supposed savings......😜

My people would say, igborun o sun ju eboriru.......😭🤑

I swear …. Don’t follow anything like sheep . Do your research you will have peace with your action

BouharryArtikou:
Is ai express different from Temu? Please?

No oooo

Ali na Ali
Temu na Temu

Them no meet each other for cloud , it different definitely

eyesaswide:
I have someone facing something similar to this.
He has gotten a full license but have failed to update the insurance company, now there is a claim, company is speaking oyibo, owner of the other car is on his neck to repair. Wahala too much, he no know wetin to do

Wisdom is profitable i learnt in this country, the fact that someone got away with an action doesn’t mean the action should be Norms.
When I passed my Driving test first week of February, I was reluctant to inform my Insurance company, but story I read about the “4,350” made me to call my insurance immediately to inform them
about my change in circumstances.
To my surprise 😀, nothing change . No additional fee, no administrative charge , no increase in insurance premium.

Thanks God I am using Toyota Yaris( Insurance sweet and running cost make sense)

BouharryArtikou:
Please, does anyone have any dashcam recommendations please?

Ideally, I would like something easy-to-install and cheap, please. I know ‘cheap’ is relative but if people have any recommendations I will appreciate.

check Ali-express .
Very cheap and effective

Just found this amazing item on AliExpress. Check it out! ￡9.26 65％ Off | Dash Cam W/ IR Night Vision Loop Recording and 2" IPS Screen 1080P 3 Camera
https://a.aliexpress.com/_EQb17od

makazona:
Haa. You get mind o. But seriously how did you transition from driving on the right to driving on the left? How did quickly understand the difference in road structure btwn Naija and UK? What if you made mistakes that got the attention of the police?

Many questions on my mind o. You try o

Many question begging for answers 😀

My first Second day in UK , I drove my sister Car was making few mistake but she gave me a hint of always remember the driver is in the middle of the road😀.
The transition was easy because my work required me to drive a Van every week.
As for the police part, my 365days in UK as been police free😀, and it shall stay so inshaAllal

AgentXxx:
Thanks but have you been driving already on your Nigerian license in the Uk?

Yes I have been driving since I arrived this abodo UK.

ehizario2012:
I'm in this situation too. I worked for just 2 days in my first job before moving over to my current job. However I've been taxed from day one on my current job, and that's for over 5 months now. What can I do to reclaim these taxes please? Thanks

Don’t be bothered . At the end of the tax year(April) . HMRC will calculate your Tax , if you over paid you will be refunded . if you Underpaid you will be asked to topup your tax .

ehizario2012:
Now that's a big congratulations to you big man! Excellent 👍🏾👌🏾

Thanks boss

AgentXxx:
I will be happy if you can share materials/hints to make a pass with zero mistakes Congratulations once again

Used an instructor for Two hours practice to know if am doing well with my driving .
I borrowed the Instructor car and thank God the Examiner took same route my Instructor use to practice with me . So it was fun passing the route again when i already know the rules of the route .
And Secondly and importantly take your time . Don’t rush and observe your mirror like your life depends on it