₦airaland Forum

As WhatsApp and co no dey work make una gather yan us Tory abeg

@justwise thoughts and prayers are with you at this trying times, may God give you comfort and solace, and the whole family in general

descarado:
Hi guys,
I really don't know where to rope this case in and the possible outcome with the dude involved.
A guy had an affair with a white babe and later ended the relationship.( babe was toxic)
Lots of stories flying around them but what captured my interest is that the babe accused him of rape.
How?
They did it without cd and along the line she told him to use withdrawal method but dude poured everything inside and its classified as rape.
Is this even possible?
He will be taken to court soon.
Me, I no understand o.

Thoughts are with him in this trying times

Callmed:
Okay thanks. Dante lab is saying I do not need to take the day8 test that i should just insolate for 10days counting from the day after day 2

When did you travel please

TheGuyFromHR:
Hilarious - you want Nigeria to cease being Nigeria.
On a serious note, the lack of sensible thinking among those with power in Nigeria is what will kill the country. Why is it not possible for them to simply allow for people abroad to opt to reprint passports, given that all the info is contained in their database in Abuja? All they could have done is to say if you are happy reusing the photo we've already got in our database for you (and we've also got your fingerprints too), pay the fee, we'll reprint your passport for you, and you come to the HC on a specific day and collect it in person.

But no, common sense is not a Nigerian feature, everyone come to Northumberland Avenue and hang around, so we can show how dysfunctional we are.

Northumberland part got me

Comrade fgs

Wish I followed with reviews on this forum
Having a terrible experience with dante labs

contra:
I've responded to all who requested for the document. Please check your inbox. Cheers.

I have sent you a pm please kindly help me send it too
Thank you

aboyaji:
Any games installed?

Only fifa20 and uncharted

Segun2222:

TLC REQUEST
PLAYSTATION 4 SLIM
7 pieces

Quote me with you price and contact ASAP

125k
1controller

Abuja

elisinho:
Hello gurus I need urgent help because I’m so confused and worried.
Weeks ago I booked British airways to Newcastle via wakanow, I thought I will get Airbnb for quarantine there but all the ones I contacted some things in the house are shared so cant be used for quarantine.
I was later told of a family friend that offered a place for quarantine but he stays in Liverpool, I really want to go there but I don’t know the route to follow considering my flight path
The flight will arrive at Heathrow at 2:30 pm But leaves for Newcastle by 7 pm
1. will I be allowed to drop in London and get a train to Liverpool considering my luggage also as a first-timer.
if yes can you advise me on how to navigate, please?
If no will I get a train back to Liverpool in the night or it has to be the next day morning.
Thank you.

Still awaiting your help about this please

Josh121:
You go for the one that is renting the entire property

Any tips towards locating that type and average cost?

Josh121:
This depend on the area you going to stay

I want to ask if the one u used there is anything shared in it like kitchen or bathroom

Josh121:
We didn’t get the day 8 test kits but when I check on the provider dashboard it mark day 2 and day 8 negative. We check out of the Airbnb after 12 days and we got nothing. Hope we are good Sha

Can you please share a link to the airbnb u used for quarantine

Hello gurus I need urgent help because I’m so confused and worried.
Weeks ago I booked British airways to Newcastle via wakanow, I thought I will get Airbnb for quarantine there but all the ones I contacted some things in the house are shared so cant be used for quarantine.
I was later told of a family friend that offered a place for quarantine but he stays in Liverpool, I really want to go there but I don’t know the route to follow considering my flight path
The flight will arrive at Heathrow at 2:30 pm But leaves for Newcastle by 7 pm
1. will I be allowed to drop in London and get a train to Liverpool considering my luggage also as a first-timer.
if yes can you advise me on how to navigate, please?
If no will I get a train back to Liverpool in the night or it has to be the next day morning.
Thank you.

feyijo:
Dante is disappointing everyone here. Check their reviews online. I used them too, and I was lucky to get day 2 results in less than 24hours. Test to release results didn’t come till now. Day 8 results too, no show till now.

They also don’t respond to emails and have no customer care line for complaints. Stay away from them.

which kind wahala be this?

which will you recommend, please

OkanlawonB:
Choose self swap at home. The supervised form is too expensive , the on site option is very cheap but impracticable and stressful depending on your location and that of the provider.
The day 5 test to release is worth it if you have the money for two reasons, 1. If you are banking on the day 8 test you may not be able to go out until day 12 because posting the samples to the provider takes 2 days and to analyse and assess the samples takes another 2 days. The second reason being that the day 5 test offers an additional safeguarding because before using each kit , it must be activated , I did experienced some code activation failures myself but because I had the optional day 5 test I was able to beat the delay failures mighty have caused.
As for the telephone number , your Nigerian number will serve the purpose, only make sure the line is well loaded because roaming fee is very high even when you are only being called.

Na God go bless you my Lord

Please what should I select from this category, and is the day 5 test to release worth it please?

Lexusgs430:
No, but I presume you're currently in Nigeria..... With an esim, you can simply download your sim card......

yea I fully understand now thanks any recommendations on the line to go for please?

Lexusgs430:
Not cheap to use data on PAYG......... If you have an esim enabled device, simply get a sim only contract.........

is sim only contract applicable to only esim as I have slot for another sim

Hello gurus
is it possible for me to buy a sim to use from the airport before I make a decision about what plan to settle for?

I need the internet for use outside like in cabs.

fatima04:
Wow 3yrs don waka, and the important thing is filling address history no longer stressful.

Back then it seemed like 3yrs too far. Thank God for grace

i pray I reach this level someday

Please can one use airbnb for quarantine?

starboychan:
Hello all,

Please I need assistance with getting driving instructor to prepare me for my driving test in north east England, preferably Sunderland.

I will really appreciate any assistance from here

Hello I will be coming to sunderland next month can I PM u for few personal questions please

DisGuy:
Have you tried asking them?

I will try and ask this week

Please guys I need help
Do banks issue PTA without return ticket

Please how much does day 5 test to release cost

Owlette:
Hi guys! Please, is there anyone in the Newcastle area or its environs? Pls is the commute from Sunderland to Newcastle doable on a daily basis? Or not just realistic?
I’m having issues with getting accommodation that fit my budget in Newcastle and it’s surrounding areas.
Please any advice will be appreciated.

Hi do you stay in sunderland please I will need your help, can I email you?

You are too good, let me save for future please

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.

Please any one on this forum that is in sunderland I will appreciate a little guide on some things

rebless:
Hello Nairalanders and active gurus here.

I intend to apply for a uk visit visa with my wife and 3 kids all below the age of age 7. My question is should include the children school introduction letter approving holiday or it is not necessary?

Secondly, Is bank statement of account generated from the banking mobile app accepted by the ukvi or I must visit the bank to obtain an originally signed copy?

Thanks

Bank statement generated by mobile banking was accepted when I submitted
Thanks

wallg123:
Use the link and narrow it to your budget. It’s within 3 miles radius to the hospital
https://www.rightmove.co.uk/property-to-rent/find.html?locationIdentifier=REGION%5E83522&insId=1&radius=3.0&googleAnalyticsChannel=renting

Thanks mate

Please I need help about cost of accomodations in Sunderland, especially the closest to Sunderland royal hospital
Elders make una help abeg