₦airaland Forum

ehizario2012:
Lagos is a former capital of Nigeria, the wealth of Lagos is the sweat of all Nigerians. Lagos already has early mover's advantage, it cannot be compared to any other state in Nigeria including the FCT.

babajeje123:
I need help guys. I work in London but my family is based up North. My work allows me to do 2 weeks WFH and 2 weeks onsite every month. I live in a rented apartment paying £650 in London but only stay there for 2 weeks when onsite. In fact, there were months that I didn't stay at all but still paid rent. I need to reduce cost as this is not sustainable as I'm also paying rent in the North. I wouldn't mind room sharing or any other recommendations please.

bigtt76:
Search online for hostels in London area or check out Nigerian community in London for anyone who can host you for lesser amount.

NewT123:
Yes it is public funds. Before you apply, you can check your eligibility and if you indicate that you are on a visa, it will say you are ineligible to apply. I tried applying for my daughter but couldn’t and was told I am not eligible. Had to result to paying for her nursery fees.

Jamesclooney:
Beyond stock markets, curious to know if anyone is impacted by the tariffs at work/employer? Just seen JLR is suspending shipment of cars to the US…I’m sure other companies will have to react as well.

Zahra29:

If you reside in England, eligibility for 30 hrs childcare is also dependent on immigration status.
The parent who makes the childcare application must have British citizenship, settled status or recourse to public funds. Many educational providers may not be aware of the immigration conditions as they apply to only a subset of parents, as opposed to the working and salary requirements which apply to all parents.

The school won't be able to prove or approve your eligibility - you would need to apply to the government to receive a valid eligibility code before you can claim the 30 hrs funding. The code would need to be renewed every 3 months.

From gov.uk:
Your immigration status
To be eligible for free childcare for working parents, you (and your partner if you have one) must have a National Insurance number.

The person who applies must also have at least one of the following:

British or Irish citizenship
settled or pre-settled status, or you have applied and you’re waiting for a decision
permission to access public funds - your UK residence card will tell you if you cannot do this

https://www.gov.uk/check-eligible-free-childcare-if-youre-working?step-by-step-nav=f517cd57-3c18-4bb9-aa8b-1b907e279bf9


https://www.nrpfnetwork.org.uk/information-and-resources/rights-and-entitlements/services-for-children-and-families/early-education-and-childcare/3-and-4-year-olds-30-hours

mex551:
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rock86:
What about those not driving before?

Goodenoch:
I’m not the one you quoted but just my two pence about penny stocks: avoid them, especially for your long term goals - they’re basically gambling.

For long term, keep your money in an all world or S & P 500 index and leave it alone. You can then invest a fraction of your funds in very large cap stocks (e.g. the Magnificent 7) if you’re younger and/or have a higher risk tolerance.

ukay2:
VISA
Microsoft
Google
AMAT
TOAST
CNQ
ABR
Vanguard S&P 500


For a long term investment, do you have any penny stock you ve studies and can recommend

Many others.....



I am a very long-term capital market investor

elengine:
No it won't. Just make sure the person documents the gift and sign off. Any gift less than 10k will not require the relative to provide bank statement. Also note that only your family member van gift you gifted deposit.

Abuja1914:
Good evening to all the elders in the House. Please, I want to ask if a gift of £2000 from friends to add up to the 10% of deposit when doing AIP will not serve as a red flag.

Please, I need urgent answer as my offer has been accepted.

Lexusgs430:
Congratulations..... 🎊💐

I hope those that viewed the slogan as pressure, would see that we have nothing to gain, pressuring anybody....... 😁😂

RENT MONEY REMAINS DEAD MONEY..... 😀

IcecoldDon:
Hi Guys, so in my current property journey, I have been made aware from two separate mortgage brokers ( L&C and Purple Bricks) that for my situation of being on a skilled worker visa with 2 years left, only one lender is willing to accept a 5% deposit for a 220k house but are insisting on a five year fixed deal at 6.5% and (can't remember the %) leading to monthly payments of £1,400 and £1,600 respectively. Note: I don't know who the lender is or if it is the same lender that both brokers are quoting.

Are there people here with similar experiences because I thought from general knowledge shared here that as long as you were on a skilled visa with at least 2 years left, you could get a 2 year fixed deal with fair rates. It doesn't seem to be the case for me as both advisors seemed hung up on the lack of indefinite leave during our discussions and insisted that there was no other options for me unless I can increase the deposit which I just cannot afford currently.

Estroller:
We locked in 1.41% for 5 years in 2022, we are currently setting aside a set sum in a savings account with a 4.9% interest rate. Hopefully a sizable amount would have been accumulated in this pot by the time the current deal expires. The plan is to overpay the mortgage with this and keep repayments at the current level or lower, if not possible we go chest am and move.

Lexusgs430:
I currently pay £420 per annum for 2 vehicles + £180 building and content insurance...... 😁
(fully comprehensive), on both vehicles...... 😎
I also have extra insurance for all my white goods, TV etc etc...... The TV in my bedroom, developed a white thin vertical line last week, I phoned D&G, technician visited today, wrote TV off today ..... Getting a free replacement next week..... 😊

For all white goods, TV cover etc etc , I pay about £75 extra pcm..... 😁 (Got my Double fridge & freezer + washing machine replaced already).... 😁

lightnlife:
I assume you're referring to Standard Variable Rate (SVR). If so, see the attached image.

By the way, you don't have to pay the SVR. You can shop for new mortgage deals six months before your current term lapses.

Lexusgs430:
You need to tile the bathroom wall from top to bottom....... 😂🚽

Renovations are not that major...... Do you have a credit card.......

What jobs can you tackle yourself....... DIY..... 😁

We don't want the kids to think, daddy is trying to suffocate mum..... Why is he putting all his weight on her...... 😭🤣

Lexusgs430:
What sort of renovations are required.......

Lexusgs430:
You would not get cost for renovations, from your mortgage lender..... You could get a top loan, to run parallel......

babajeje123:
Wait...are you rate fixed for 5 years is not a good option?