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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 12:09am On Dec 23, 2022
Solumtoya:
I need to quote this long post I made just to be sure you read it.
My sister. Want to ask u something. Is it possible for one's credit score to increase without having to devise the cc or borrow and pay back on time method.

Cant someone just live his life normally, earn his salary, and use his card to buy something with the money in his card. Wont this also increase credit score?
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 10:25am On Dec 12, 2022
semmyk:
[update] Was checking for something and I just noticed that Goke7 and Amarathripple0 had a to &fro on page 483 in response to yolkman20 about PM
https://www.nairaland.com/6719932/living-uk-life-immigrant-part-2/482
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?
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 12:59pm On Dec 11, 2022
babino22:
If going to Manchester through BA and it’s stopping over at Heathrow then another flight to Manchester. Where will the boarder control (immigration) take place? Heathrow or Manchester. Any idea?
Hope no be wetin i dey think o. No carry coco o
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 3:41pm On Dec 10, 2022
Abeg make we try dey talk about investment and pension o.
This pension wey dem dey commot for payslip. If i leave the job wetin go happen to the pension.

And i heard some pension the custodian use it for investment and if the investment flop. When you retire nothing for u o

Imagine custodian put pension of staffs for ftx lol
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 11:13am On Dec 08, 2022
AlphaUno:
You get in touch with UKVI directly and state your position. Someone posted the link here some weeks back on how to use a new bank details for the refund.
Thats nice then. I dont work for nhs. But for a support home. I want to believe that also qualifies to get the refund
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 11:03am On Dec 08, 2022
AlphaUno:
Not only when you work for the bolded and also not only when you are the bolded.
If it’s you alone, good! And if you have dependants, you can do this below.

- The main applicant and his or her dependants can all get a refund that would be lodged directly into the account used in making the same payment initially.
- As long as you work in healthcare; either with care homes, Independent living, Domiciliary, NHS or whatever, you qualify.
- When applying, ensure your application (payslips) timeframe starts from March of the year under review to avoid rejection.
- If the main applicant (MA) and his dependant work in healthcare, they only need an application that will include all their details.
However, If their timeframe isn’t the same, they can decide to do it separately.

Remember me when the ££££ enter o, just a bottle of O’mara’s Salted Caramel Irish cream will do cool
What if the source where the payment was made from no longer exist. I used my payoneer card to pay and now its blocked
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 3:39am On Dec 07, 2022
deept:
@japhethgold,

Interview 1question up there. When we want to buy suya, suyaman give us testing to confirm the deliciousness of the suya. Give us a taste of what you have to offer.
All the one he has been doing is deliciousness of ugwu?
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 6:31pm On Dec 04, 2022
This is gonna be long.
For over 2 days i slept on youtube looking for that one video that will explain to someone how uk NI(national insurance) and income tax is being taxed.

I noticed a lot of people on the thread dont really understand the arithmetic aspect of how the tax works. Even if there are calculators online to do the whole thing for you, i'm sure guys like me are on the thread who loves hand on deck calculations just to see exactly how the system works.

This is also good if you want to compare different countries tax and see which country u wanna settle in.

First, the tax bands are as follows, dont let this confuse you. It is my examples that will give you clearer understanding.

£0 - £12570 is 12570 and 0% (personal allowance)
£12571 - £50270 is 37699 and 20% (basic band)
£50271 - £150000 is 99729 and 40% (higer band)
------------------------------------------------------------------------------
We want to know what your net pay is after tax have been taken from your gross pay.
Your gross pay is your salary before tax.
Your net pay is your salary after tax.
------------------------------------------------------------------------------

EXAMPLE1
Your salary is £60000
First and foremost, you are entitled to personal allowance of £12570 and this will not be taxed.

60000
-12570
-------------
47430

This 47430 falls between band2 (37699) and band3 (99729)

What then happens is this.

37699 from your 47430 will be taxed at 20%. Which is 37699x0.2 is 7539.

When 37699 is taking from the 47430, you know it will remain 9731, now that 9731 will be taxed at 40%. That will be 9731x0.4 which is 3892.

Conclusively, it means if your salary is 60000, you will be taxed 11,431 being (3892+7539).






EXAMPLE2
Let us assume your salary is 52000.

First and foremost remove the 12570 that is not taxable.

52000
- 12570
--------------
39430


39430 falls in the range of (37699) and (99729), which are 20% and 40% respectively.

So, 37699 from your 39430 will be taxed at 20%. Which is 37699x0.2 is 7539.

Now, remember that when 37699 is taken from your 39430, it will remain 1731.
This 1731 will now be taxed at 40%.
So, 1731x0.4 is 692.

Conclusively, on your salary of 52000, you are taxed 8231 being (692+7539).







Example 3
Let us assume your salary is 25000
First and foremost, remove your 12570.

25000
- 12570
-------------
12430

Since 12430 falls on the personal allowance band. They'll just use the basic band. Which is 20%. 12430x0.2 is 2486.

Conclusively, your tax from 25000 is 2486.












Note i did some round up. This is not perfect. But near perfect.
Let me know if u find this useful. Then i'll do the one with NI included.
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 4:33pm On Dec 02, 2022
jadepinkett:
My liver don cut for rejection mails. E dey pour like say the tap no get control. Biko, make my call pick one day
Very soon everywhere go stew for u in Jesus name
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 11:54am On Dec 02, 2022
Solumtoya:
Yup, particularly appliances that heat and cool. Do your bulbs get hot? Buy Energy Saving bulbs instead.

Recently, I studied my regulator for hot water and changed the settings, now it heats water only between 1am and 3am or so. Those 2 hours of heating daily is just enough for my entire family hot water usage daily: no more, no less. That was my magic number: any thing more than 2 hours, I have excess; anything less than 2 hours won't be enough.

Your curtains too, changing to thermal blinds that traps in heat could save you a lot.

Instead of heating the whole house so you can go around shirtless, turn down the heater and wear two layers of clothes. Saving £100 monthly throughout winter is a lot!
I still stay in student accommodation for now where i on heater 24/7 even if i no dey house, my housemates all brits go on heater for sitting room, open windows and go out for 2days and not return. Water heater is on 24/7. We just dey do anyhow. Bulb is on 24/7. And we pay just 400/month. Everybody just dey waste light dey do anyhow.
So i dont really feel the brunt of electric fees.


But when i'm on my own. And i have my own apartment. Body go tell me. Infact. I no go get water heater self. Anybody wey wan bath. I go tell my wife make she carry kettle go boil water if she wan bath. No yeye water heater. And no yeye hot water coming out from kitchen tap. Cus that thing useless for my eye. Wetin i wan use hot water for kitchen tap do. Wetin no fit cook indomie
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 9:59am On Dec 02, 2022
Abeg let love reign o
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 9:52am On Dec 02, 2022
Viruses:
When God blesses you, do not look at people still awaiting their blessings like they are not hard working.
The issue is that they are not looking at them in a condescending way. Dont you get!
They are only encouraging them to target higher jobs even whilst still doing their lower job. So no one is looking down on anyone
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 8:59am On Dec 02, 2022
Solumtoya:
Nah, you don't know much about Electric Heating. If you have a big boiler, one has to carefully regulate the Thermostat. My November bill was £284, with the rebate, I should pay about £218. I have paid about £900 in a month of carelessness before.
Which one is now better and cheaper.
Because i see a lot of people saying electric is better but i beg to differ o.

All the gas heater i have seen always heat faster and reaches wider. Most electric i have seen dont heat as fast and the heat doesnt disperse to wider reach like the gas own.
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 3:55pm On Dec 01, 2022
I just dey see challenge challenge since. Make una calm down o. Before una go go slap HR officer
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 9:05pm On Nov 28, 2022
hustla:
1. Well, people might want to get UK experience first before applying for the ones with sponsorship. The UK experience helps + sitting around and waiting for sponsorship alone means you get to miss out on other quality experience which will later help you
Appying to only coys offering sponsorship can be your strategy though, what works for A might not work for B


2. Yes, my house mate earns 67 also. I think I have seen £80, varies across coys. I earn £30 / sleepin and its cheating tbh. You can always know what youll earn during the interview if you ask

3. I believe you can completed all neccessary docs when you enter etc.
Thanks so much
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 6:44pm On Nov 28, 2022
hustla:
Err you didnt ask me any question boss
Thanks so much my friend for ur input
I have some more questions, and perhaps the house too can learn

(1) I see so much people on this thread who keep looking for firms to offer sponsorship i also see lot of people whom complain after that they had to drop an offer because during interview stage they found out such job does not do sponsorship.

Because of this sponsorship wahala i have really browsed the net. And i found out that there is a comprehensive list of firms in the uk that can do sponsorship.

My point now is, since we all know the companies that can do sponsorship. Why then do we apply for jobs that arent on that list and hope that they do sponsorship or am i getting it all wrong?


(2) a friend of mine - tho i dont knw if she is lying - says she earns 67 pounds for sleepin in the care home she works. Omo my ear ring wen i hear. Cus thats really much. Even me na just 30pounds i dey earn for sleep in.
My point is how is it possible for one to know the likely salary amount of a coy before even applying?

(3) if i am main applicant. But my wife got a 3 year COS.
Can i travel out of uk lets say for a year. And come back?
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 3:06pm On Nov 28, 2022
hustla:
Wise grin
Boss answer me na pls
Travel › Re: General USA Student Visa Enquiries-part 17 by eniola1010(m): 8:35am On Nov 28, 2022
Nozino:
Most PhDs are fully funded- Tuition, health insurance , living expenses fully covered. You should consider a PhD .
Its the education aspect thats scaring me. Cus phd has too much monitoring from supervisors. Your work has to speak.
Unlike msc we just use craze join join everything. But phd u cant escape being serious
Travel › Re: General USA Student Visa Enquiries-part 17 by eniola1010(m): 9:16pm On Nov 27, 2022
Hello all. Matured advice needed.
I live in uk. I have msc and bsc.
I want to go to usa through either school or employment.
Lot of people say it is difficult to go to usa from uk thru employment that my best option is sch.

I dont have much to pay for another mba or msc.
Can i opt for college (polytechnic or vocational institutions) since those are more cheaper? I wont mention that i have msc.

My fear now is wont they say since i have bsc why am i going for a lower academic trajectory. That why go for poly wen i can do msc?
However, my excuse will be to tell them that i want an hands on deck academic experience with hardcore teachings which poly offers over uni.

So what do u guys think?
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m):
rayralph:
Agencies are not under NHS. They are partners.

Most agencies employ on zero-hour contracts

Sponsorship is only permanent-full time contract positions.
Thanks so much my friend for ur input
I have some more questions, and perhaps the house too can learn

(1) I see so much people on this thread who keep looking for firms to offer sponsorship i also see lot of people whom complain after that they had to drop an offer because during interview stage they found out such job does not do sponsorship.

Because of this sponsorship wahala i have really browsed the net. And i found out that there is a comprehensive list of firms in the uk that can do sponsorship.

My point now is, since we all know the companies that can do sponsorship. Why then do we apply for jobs that arent on that list and hope that they do sponsorship or am i getting it all wrong?


(2) a friend of mine - tho i dont knw if she is lying - says she earns 67 pounds for sleepin in the care home she works. Omo my ear ring wen i hear. Cus thats really much. Even me na just 30pounds i dey earn for sleep in.
My point is how is it possible for one to know the likely salary amount of a coy before even applying?

(3) if i am main applicant. But my wife got a 3 year COS.
Can i travel out of uk lets say for a year. And come back?

Cc @hustla

Rayralph
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 1:17am On Nov 27, 2022
So guys i got a question.
(1) Are care agencies under nhs?
Cus if they are under nhs, i wonder why a lot of them do not do COS since nhs usually do COS.
Travel › Re: USA Visit Visa Part 4 by eniola1010(m): 2:57pm On Nov 26, 2022
ghettonews:
Are you in USA already.
Marriage and change of status are easiest way to convert and stay back
No i am not in usa. I am in uk. With a common unmarried partner
My plan is to go to usa either via tourism or school. But i want to know which one between f1 and hb visa is easier to convert to legal stay. And how to convert it
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 1:53pm On Nov 26, 2022
bigtt76:
Interests on savings is growing daily in Nigeria now, you might look at Money Market Funds - the type that preserves your value oo cheesy, get some interest, build up capital and do real investments that would amount to something in the future and not one that boys would use set their own business on top your head. My thoughts though.
Ok pls any input concerning my second question
Travel › Re: USA Visit Visa Part 4 by eniola1010(m): 1:19pm On Nov 26, 2022
flourishing247:
You don't need to go with them. You can submit for everyone.
Boss what is the easiest way to convert tourist visa to legal stay
And
What is the easiest way to convert student visa to legal stay
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by eniola1010(m): 12:28pm On Nov 26, 2022
Please guys

(1) what sort of invesment can someone with spare 500pounds per month do. That will not require much physical presense. I tried having a car and leasing for uber but the stress plenty.

I am looking at all these bonds, stocks and the rest.

(2) i have two friends in nigeria who really want to come to uk but dont have much money as such they cannot do the student route which i did.
How best can someone in nigeria get sponsorship even if it is to come and do care or factory work or any work at that.

Are there website i can check for this or who has idea to shed more light for me. I really want to help them
Travel › Re: USA Visit Visa Part 4 by eniola1010(m): 12:24pm On Nov 26, 2022
mojolajesu:
Hello good people of Nairaland,

Please I have a couple of questions:

1. are still possibilities of converting a B1/B2 visa to F1?
2. does anybody have information about the re-opening of the Abuja embassy to interview?

Looking forward to your responses


Please someone should answer for us
Travel › Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 8 by eniola1010(m): 5:34pm On Oct 30, 2022
dduchess90:
Hello

Applying will be the same for partner dependant,here is the link
https://www.gov.uk/student-visa/family-members

Please have a look at the caseworker guidance documents under relationship section for more types of evidence you will need, again ensure they span across minimum 2years and are verifiable

Don't use individuals to provide letters for you in proxy


Cheers
Thanks my dear. Trust me i wont do proxy stuff by that i wanna believe u mean magomago letters. No i wont do it.

Please just clarify one more thing for me. I came in sept 2022. Alone of course. And my t4 will expire jan 2024. When do you think it will be too late for me to start madam's process to come join me?
Travel › Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 8 by eniola1010(m): 9:27am On Oct 30, 2022
dduchess90:
Hello

If your relationship is more than 2years she may qualify as your dependant partner

Please see screenshot of details you can provide,the list is endless

Cheers

I can provide about 2 items in the second category and one item in the first category.

But how do i start to apply for her. Just give me headsup i will connect the rest of the dot myself.


Also, please, can a childless couple live in a room apartment here in uk. Or it is compulsory a childless couple collect 2room apartment?
Travel › Re: Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 8 by eniola1010(m): 1:04am On Oct 30, 2022
Hello guys. Please i need ur input.
I have used 3months in uk and my student visa will expire 2024 jan.

I came in solely. But now i want to bring in my gf.

What are the step i would take to now bring in a dependent and when will it be too late to bring in a dependent?
Travel › Re: USA Visit Visa Part 4 by eniola1010(m): 1:27am On Oct 24, 2022
Arry110:
1. Yes it’s possible to convert a b1/b2 visitor visa to a student visa you’d need to have gotten admission into the university before doing this

2. It’s possible to get appointment dates if it’s urgent but before you’d be able to get an earlier date, first you have to apply, pay fees and wait for a date (it took me about 3 weeks to get a date), in my case I got November 2024 then I immediately applied for an emergency date and got a available dates starting from the next week, I chose whichever one that was more convenient for me, it took 2 days for them to reply my request for an emergency date. I sent a letter with the death certificate and funeral memo of the funeral I’m attending when I was requesting for my date.
Wa gbayi
Travel › Re: USA Visit Visa Part 4 by eniola1010(m): 12:55am On Oct 24, 2022
Please i need a lil bit of clarification

1) if i have a visitor visa. What legal means can i use to convert to normal visa? Can i start schooling there, or look for a job that will sponsor me or how can i legally remain in the US. Pls emphasis on legally o.

Cus someone on the thread was saying once you enter through visitor visa there is no way to convert it, i dont wanna believe that is entirely true..




2) i keep hearing people on the thread who say one can boost appointments date if its urgent. How is this possible please.





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