₦airaland Forum

LagosismyHome:
Very realistic write up .... with little children especially babies and a desire to work as a means of survival is very very hard

And don't forget aprokos here who can call the police and social service on you claiming child abuse and neglect!

Theprime:
Hello folks.I will be starting a job at the Arrow Park Hospital, Wirral. Please where is the best place to live close to the hospital? Suggestions are well appreciated. Thank you.

do air BnB, for now, to live close then ask other staff, they will hook you up sharp sharp

Inkredible:
Abeg I wan renew this naija passport. As the embassy don run go close na, I dey contemplate pay now or leave am when them don open.
Anyone else on this boat?

nah this wahala , make me dey renew my passport for 9ja only wen I get one year left

justwise:
[b]

Do they have to?

Nop they dont,I was jst trying to clear the notion of thinkiing its a 100% water tight security. and even in some case where you are a lodger by vertue of law, the landlord wont even need to put your deposit on any sceem.

spyder880:


What can man do that to adjust, and keep adjusting. I was born in Nigeria, grew up on the streets and still walking the streets, I may never own an intentional passport, talk less of travelling out of Nigeria in the next few years. The hardship in Nigeria has toughened us, to the extent that we might not cope if things ever get better, why? Because we are used to things working upside down. It's funny true.

No light - I switch on my battery powered appliances to play music or just read. (I hate generators)
No roads - The SUV or any car with a very high frame
No fuel - find a small car with good distance per litre of fuel
No security - Join the neighborhood security outfit and participate
High inflation - Buy in bulk and turn your house to a mini store.
No water - I dig a well or borehole.

We must survive in this country and even thrive here, whether they like it or not. We must keep doing the good work, and believing that our children will not suffer what we suffered.

This guy you funy die, you are right though, the hard is the new normal, I also fear if things get better Nigerians might not know how to cope with it!

justwise:
Always make sure that the landlord put your deposit in tenancy deposit protection scheme, every city council has it and you will be given a certificate , the landlord will not have control over that deposit.

you do know they do not have to physically deposit the money there though, its all paper.However the house should know there is a wee fraud going about where an Estaate agent collects deposit from people and go burst!it happened to a mate of mine and up to 30 people were owed!

[quote author= post=96081613]Waltersmith Petroman Oil Limited, Nigeria’s independent producer, has reportedly disclosed its plan to increase the output of its 5,000 barrel a day capacity mini-refinery in Ohaji/Egbema, Imo State to 30,000 barrels a day by 2022. The refinery, which is 98% completed, is expected to be commissioned in September 2020.

This was disclosed by the Chief Executive Officer of the company, Chikezie Nwosu, on Wednesday, according to Bloomberg.[/quote]nah this be our problem some times, no need comission, hit the ground running leave all these extra formalities

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Petitions: UK Government and Parliament <no-reply@petition.parliament.uk>
Thu 12/11/2020 03:13



You’re receiving this email because you signed this petition: “Implement sanctions against the Nigerian Government and officials”.

To unsubscribe from getting emails about this petition: https://petition.parliament.uk/signatures/95011351/unsubscribe?token=pQyWapgLK2HgTBfxaHBe

Dear XXXXXXXXXXX

The Government has responded to the petition you signed – “Implement sanctions against the Nigerian Government and officials”.

Government responded:

We were concerned by violence during recent protests and await the outcome of Nigerian investigations into reports of police brutality. We do not publicly speculate on future sanctions designations.

The UK Government is deeply concerned by violence during recent protests in Nigeria, which tragically claimed lives. Our thoughts are with the families of all those affected.

The Foreign Secretary issued a statement on 21 October calling for an end to the violence and for the Nigerian Government to urgently investigate reports of brutality by its security forces and hold those responsible to account. The Minister for Africa tweeted on 16 October, noting the Nigerian people’s democratic and peaceful calls for reforms, and again on 21 October, encouraging the Nigerian authorities to restore peace and address concerns over brutality towards civilians. He reiterated these messages when he spoke to Foreign Minister Onyeama on 23 October. The British High Commissioner in Abuja has also raised the protests with representatives of the Nigerian Government and will continue to do so.

We welcome President Buhari’s decision to disband the Federal Special Anti-Robbery Squad (FSARS) and the establishment of judicial panels of inquiry to investigate alleged incidents of brutality by the security services. They must investigate all incidents, including in Lagos, fully. The Minister for Africa tweeted on 29 October stressing the importance of the police and military’s cooperation with the panels. He raised this, and the need for the panels to urgently start investigations, when he spoke to the Governor of Lagos on 11 November.

The UK Government will continue to work with the Nigerian Government and international and civil society partners to support justice, accountability and a more responsive policing model in Nigeria. We will continue to push for the Nigerian security services to uphold human rights and the rule of law, investigate all incidents of brutality, illegal detentions and use of excessive force, and hold those responsible to account.

On 6 July, the Government established the Global Human Rights sanctions regime by laying regulations in Parliament under the Sanctions and Anti-Money Laundering Act 2018. In a statement to Parliament, the Foreign Secretary set out in full the scope of the UK’s new Global Human Rights sanctions regime. He announced the first tranche of designations, as well as the Government’s approach to future designations.

This sanctions regime will give the UK a powerful new tool to hold to account those involved in serious human rights violations or abuses. The sanctions regime is not intended to target individual countries. It will allow for sanctions to be imposed on individuals and entities involved in serious human rights violations or abuses around the world.

We will continue to consider potential designations under the Global Human Rights sanctions regime. It is longstanding practice not to speculate on future sanctions designations as to do so could reduce the impact of the designations.

The UK Government will keep all evidence and potential listings under close review.

Foreign, Commonwealth & Development Office

Click this link to view the response online:

https://petition.parliament.uk/petitions/554150?reveal_response=yes

This petition has over 100,000 signatures. The Petitions Committee will consider it for a debate. They can also gather further evidence and press the government for action.

The Committee is made up of 11 MPs, from political parties in government and in opposition. It is entirely independent of the Government. Find out more about the Committee: https://petition.parliament.uk/help#petitions-committee

Thanks,
The Petitions team
UK Government and Parliament

You’re receiving this email because you signed this petition: “Implement sanctions against the Nigerian Government



That up there was the responce I got from them

Nchenches:
The UK Parliament needs to include in the debate why the UK left independence for three regions of Nigeria, but from 1067-1996, northern regions military dictators created 20 states in the northern region but created only an average of 8.5 new states in the two southern regions.

The roguish political structure that consigned absolute political and economic advantages to the northern region is what the armed forces mount roadblocks to protect through brutality to civilians.

President Buhari’s recent reply to a retired military general from southern Nigeria who insinuated that the military political structure must be restructured by either democratically or by forceful means, was that Nigeria’s armed forces have so far protected the country’s democracy.

make we see

ijustdey:
…against FG, police

British govt: Judicial panel must probe Lekki shootings



https://www.newtelegraphng.com/uk-parliament-set-to-debate-endsars-petition/

Make we see wetin go come out of this

ThatFairGuy:
Some Nigerian Never still understand until Crude price hits like $100 in World market.

We're awaiting dangote Refinery to cushion the negative impacts

Modified
The price is now market determinant

educated ones tend to come out with uneducated coment if you disagree tell me one country of the world where U can land petrol from to Nigeria for N200

Monmarri:
G.morning house, which is the best for renewal of Nigeria passport. The five years or 10 years? I learnt that five years is N45,000 and ten years N90,000. Any advice pls. Thank you

10 yrs Less stress of going over there again

perfectbuy:
A wrong way to park an automatic transmission car can damage the gearbox and send you looking for a replacement sooner than is expected. This is a common mistake many drivers make on regular basis without knowing it. When the car is stopped many people push directly from “D” to “P” then apply the handbrake and turn off the engine. This parking is not correct. Pushing directly into the “P” gear puts the stress of the whole car on the “P” locking hole not on the handbrake. If you continue to do this for a long time, this will damage your gearbox.

Please follow link below to read more:
https://www.spotdem.com/2020/11/11/wrong-way-to-park-your-car/

So what does the P stand for if not park?, it would have been good if this was coming from one of the car manufacturers not a blog by someone who cant manufacture a valve cover!

rawe45:
What does Permitted to load on Grimaldi mean please?

Means it has an allocated spot on a Grimaldi's vessel

Estroller:
Hi all, hope everyone is well and staying safe. We recently received the survey(homebuyers) report on a house we are looking to buy and the report puts the electrical, gas and heating systems on condition rating 3 (red) and recommended that inspections be carried out and any works found fixed immediately for safety reasons.

It also puts the chimney stack and roof covering on condition rating 2(amber). That the chimney stack will need repointing at some point and later stated that no serious defects were noticed but any work should be done soon.

It looks generic to me, and the addition of the "no defects noticed and any works should be done soon" advisory looks more like they are trying to protect themselves from future litigation.

We did the survey with the hope of getting something to leverage on to negotiate the price downward. Is there anything with such potential in this report, and is there anything to be worried about? Thank you as I await your inputs.

The best people to give you an advice on this are mortgage advisers or Brokers,its a lot of money to gamble with

tshoboy:
Yeah

This must be easy then if you go to Friday prayers just ask people you meet there cos there are loads of Muslims owning Mortgages 2 doors from me are Muslims from Bangladesh, So ask them there Im sure they will point you to the right direction.

This might help as well
https://www.moneysupermarket.com/mortgages/islamic-mortgage/

tshoboy:
How can we as Muslims take advantage of mortgage because riba isn’t allowed for us. Gives me headache

are you in the UK?

Lexusgs430:
It's a combo mortgage and loan application, usually from the same lender....... The beauty of a broker........

AHAHA Brokers ke, noh now you talk the matter.wey those wey say brokers nah waste of time, I jst ask one of my guy now and the answer was in the afirmative.he also told me this can make you xcape PMI(private mortgage Insurance) na wah

RalphJean:
Waiting...

back
Help to Buy: Equity Loan scheme (2021-2023)

https://www.helptobuy.gov.uk/equity-loan/help-to-buy-equity-loan-2021-2023/
have a look at these option to those who want these schemes

fatima04:
In every country, the business model is to make money. The new builds we did for naija as contractors ehn na ish .

For me sha i like new houses since I dey live in one as a renter . Nothing like tear rubber house

Lexusgs430:
I again disagree..... You can get a bundle mortgage (part loan + part mortgage)..... A combination of both.........

I say again....... Wahala is like a bicycle........ I love to ride and stroke it.........

How does this work? most bank will give you 85% how do one get teh balance 15%?
ost of the time, you cannot use a personal loan for a down payment on a house. Conventional and FHA mortgages prohibit the use of personal loans as a source for down payments. Even if you can find a lender that will allow you to use a personal loan, it is unlikely to be your best option for a down payment.(copied)

NB I was blocked by the anti Spam Bolt I had to mail the administrators here to unblock me

fatima04:
Yesso, tbh its an easy way to get on the property ladder. Imagine paying rent of £725pcm on a 3 bed house worth 199k and then getting a MIP of £450(30years) on same house value. All the past rent gone

Bross 30 years shaaa lol that means u go be 22 years ohh, cos retirement fit pass U 4 repaayment ohhh ahah.Nah there and Y u go see old man wey don retire dey do security Nah joke i dey ohhhh

justwise:
[/b]

Nope, its for everyone and not just for keyworkers working during covid.

Though Help To Buy has ended for new applicants.

If you have the time and money avoid brokers, you can apply for mortgage principle yourself and deal with the bank directly.

My last Mortgage was 10 years ago and Im a bit rusty, I just have to go and check facts,the world has moved from keyworker to everyone but them times this help was available to jst keyworkers,
regard brokers the mortgage mkt has moved on as well,I guess you are a bit rusty here as there are brokers who charge you nothing and get paid by the mortgage co.The Mortgage brokers do not just help you get finance, they check the best deal available to you based o n your circumstances and point you to the right lender or the right Mortgage that suites your needs i n teh long run.As you can see, in the heat of getting a Mortgage people get the wrong one and end up struggling to meet up,if you have an insight to the numbers of guys who lost their homes in these two years you will be shocked,Im sure you drive past boarded houses and flat daily.
Lastly teh help to buy has not ended, infact there is a new scheame for 2021 to 2023,I will find out the name and get back to you, it might help few guys on here too.

realy?

nihilistjnr:
Strongly disagree with the bolded.

New Builds should be avoided as much as possible. Many of these developers are thieves.

For example, during this stamp duty holiday, new-build prices have gone up to swallow the money that buyers would have instead paid the government.

Same thing with help-to-buy, the 20% you get from the government has been priced into the cost of the house.
https://www.independent.co.uk/money/spend-save/help-buy-house-prices-loans-first-time-buyers-savings-a8958056.html
https://www.mirror.co.uk/money/help-buy-pushed-up-prices-16501487

The top 4 property developers in the UK are currently under investigation for their shady sales practices
https://www.business-live.co.uk/retail-consumer/barratt-countryside-properties-persimmon--18878586


Not all house na house...shine ya eyes

That 5% deposit is a good selling point , u 4got the service charge as well

TRAY2:
Most of them are time wasters, as they can not explain your circumstance better than you, i went directly to halfax explained my circumstance and it was successful. I will use a broker when next i want to remortgage by then Kpali go don ready. I no go need speak plenty English lol.

Not at all ohh, some of them could be a life saver and direct you to the right path.Vast majority of them will not even charge you as they get paid by teh banks.But ur Pocket and Job tells you more

EmmyKing86:
You see!!!

Just look at how everyone is giving their different experiences of getting mortgages particularly from erico & Lagosismyhome. There is nothing wrong in sharing our different ideas and opinions in a respectful manner as people will find them useful.

Thank you Jare

RalphJean:
Bros, what is LTV again?

My Essay Writing/Comprehension teacher in Secondary school always penalised us for using acronyms that have not been defined in the early parts of an essay.
Biko what is LTV?

lend to value!

TRAY2:
I went through halifax.. it was 85% LTV.. I showed 3 months of payslip that showed steady and consistent income including Over times and enhancements, i made sure i built a good credit score, no loans no missed payments. For the person advising using a broker. I was just so lucky. I just thought it was worth trying and it worked.

Ok so what is the value of the 15% you got to pay as deposit?

Bourne007:
Completely false. Everyone is eligible as long as you meet the requirements

These are the kind of statements I don't like, you are more than welcome to air ur own view rather that list someone else one as false.
Since you are the champ here let me ask, what do you think in ur i nfinit wisdom makes someone eligiable for a mortgage??

Lexusgs430:
Options available to you...........


Broker to patch shortfalls (that 1% fee is worth it's weight in gold).......

Get a bank loan......... (don't over stretch)

Joint mortgage + joint source of funds.....

Do asusu with a sizeable drop........ Etc etc etc

good one but gettign a bank Loan would count against him as he would be in debt to that % already in the 1st instance,Dont forget your outgoing plays a vital role in the % or APR you are going to be given

Bourne007:
Still on this matter . You don't seem to get it, do you?

if you got no atom os sarcasm in you just pass my post, can U see frm waht i wrote that Im taking the biscuit cos he has to go to the so-called OLD school bank for mortgage and not the new online one, bro take a chill Pill pls!