Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 9:42pm On Apr 18, 2023 |
elengine: What about a child that is less than 2 years. Can the parents claim the 15 hours even though they are on work visa with no recourse to public funds. Not at the moment |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 8:37pm On Apr 18, 2023 |
Viruses: The website did not state income threshold for 3 yrs old for 15hrs. The income threshold is for 30hrs.
The 15hrs for 3 yrs old is also not public funds for immigration purpose but the 30hrs is public fund. Thanks for pointing it out, I was actually referring to the 30hrs funding |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 3:13pm On Apr 18, 2023*. Modified: 8:38pm On Apr 18, 2023 |
giselle237: if you are in England, your 2 yr old is not entitled to 15 hours free until they turn 3. It's actually not a blanket restriction, if household income is below the threshold on the gov.uk website then he/she can. The 30hrs 3 year old funding is equally not universal, there is an income threshold as well and parents earning above that can't claim it. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 3:07pm On Apr 18, 2023 |
Opsycal: Good day all, I have a 2 years old who is going to attend nursery. I reached out to my local council and provided my BRP because I observed on the government website that one can get the 15-hours-per-week free nursery even if their visa shows No recourse to public funds and their family income is below a specific amount. The council confirmed that my child is eligible and provided us with a code for his free nursery. However, I heard that the 2 yrs old 15 hours nursery is public funds to Tier 4 student visa holders. I am quite confused. Please has anyone accessed this? Kindly assist with useful information. Thanks Yes you can if your household income is below the income threshold.
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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 10:52am On Apr 08, 2023 |
Akorkor: My people, please advice on the best kids savings account with good interest for child saving. I don’t want ISA o. @Lexusgs430 , madam ticha and all financial experts in the house Savings account and "good" interest rate na aberration for this UK o. Since it's for a child, best to put the money to work in the stock market. Oga lexus don give you pointers already. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 10:46am On Apr 08, 2023 |
Blurpy: Abeg I just Dey see ISA left and right, I have like spare £10k to invest in a low risk package, where is my best bet please as I’m a student currently You can open a stocks and shares ISA and choose an index fund or etf to invest in. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 10:43am On Apr 08, 2023 |
Mosme: Hello everyone
Please I need someone to explain the immigrant children in school rule and public funds.
Let's say I have 3 children one is 5 years the other 3 plus and 2 plus
Which one is eligible for free school and for the others what are they eligible for, how do I go about it and how do I avoid public funds. Tier 2 visa is my status
Thank you 5 year old - "free school" already of school age 3 year old - "free" 15 hours in nursery, 30 hours if you or your spouse have ILR 2 year old - nothing, but you can get 15 hours if your household income is below a certain threshold, not sure of the figure now. Funding for 2 year olds will change at some point in this new tax year. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 10:35am On Apr 08, 2023 |
ukay2: l do NYSE stocks with S&S ISA
I am already on NHS pensions.....won't SIPP want me to take my NHS pension contributions to SIPP?
l am currently happy with the NHS pension contribution No, your SIPP can be a standalone portfolio. See it like your S&S ISA but with a benefit of a tax rebate at your marginal tax rate as highlighted by jedisco and lexusgs430. It has no flexibility like your s&s Isa though, as the standard pension rules wrt withdrawal applies, and the income you'll draw from it outside the 25% lump sum will also be subject to tax at whatever rate you pay your income tax. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 10:24am On Apr 08, 2023 |
Lexusgs430: How do you intend to achieve this .......😁
Your NHS pension contributions, are deducted from source (at a set %)......
You too like money ........😁 Salary sacrifice? Opting to increase the % deducted from source 🤔 |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 4:33pm On Apr 01, 2023 |
toolluu: Is applying for council house as an international student under using public funds? Capital yes |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 4:32pm On Apr 01, 2023 |
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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 11:09pm On Mar 16, 2023*. Modified: 12:13am On Mar 17, 2023 |
tushqueen: Another question please,
A friend came into the UK about 2 years ago, her family joined her but the husband couldn't get a job in his career line in their location so he was doing care job. Now husband got a good job up in Scotland (they currently live down south), she already knows that their ILR clock will begin again if she switches to her husband's COS. The question is if she continues on her current COS and later gets ILR, will their kids get ILR as well or will they have to wait till their father gets his? Yes if they continue as their mum's dependants. If they go on their dad's COS, they will all become eligible for ILR at thesame time as their dad. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 7:36pm On Mar 15, 2023 |
Focus99: Greetings to you all.
If one succeeded in getting a permanent job will he/she still needs a CoS from the company? I need an answer as I am really confused about the CoS and permanent job something.
Thank you Depends on the type of visa you are on and your ultimate goal wrt settlement. If your current visa leads to settlement (ILR) in the 3-5 year route, no need for COS, if does in the 10 year route, you might consider depending on the no of years you have left to hit the 10 year mark. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 1:18pm On Mar 15, 2023 |
Shanid: Hello everyone, Please, how do couples share bills in the Uk, share your experiences, please.
Thanks This will vary form home to home. Partner A can take rent/mortgage while partner B takes other bills and other sundry expenses. You can open a joint account, divide your total outgoings into two or whatever proportion you decide based on your incomes, and each party transfers their share into the account from where you now pay your bills. One party might be solely responsible for all the outgoings while the income of the other partner goes into savings and investments for the family. Different strokes for different folks. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 1:08pm On Mar 15, 2023 |
AgentXxx: Good day Elders; My questions is about the Work pension scheme, i have been thinking about opting out due to the ROI of the pension but when I think about that it’s tax free plus my employer contributes, I want to stay. As at now am very confuse. Elders should help me and others who might be in my shoe light torch so we the children can see clearly. Agba yi a dale oo  Continue if your circumstances allow it, your future self will thank you. Also try to take the extra free money on offer by maxing out the matching contribution from your employer, find out what the figure is and make a matching contribution, it will further reduce your tax. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 8:20am On Mar 15, 2023 |
Hwy9: Hello,
Is it possible for someone on a dependent visa to be outside the UK for more than 6 months? What is the consequence for staying outside the UK for more than 6 months. Will the person be denied entry by the immigration officers? You'll only have to spend longer years on your visa before qualifying for ILR |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 8:19am On Mar 15, 2023 |
ojtopsy: Good morning house What is the cheapest means of calling Naija lines . not whatsapp ooo. i mean lines Try white calling app, 9.5p per minute to naija. I really like using the White Calling App for international calls and sending airtime. Try it out, they give you free credit 😊 https://whitecalling.co/install |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 7:41pm On Feb 27, 2023 |
Lexusgs430: Nope, must be over £100.00 .......
£100.01 qualifies to make a S75 claim......
£100 does not ......... 👍 Edited |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 6:15pm On Feb 27, 2023*. Modified: 7:40pm On Feb 27, 2023 |
Viruses: The amount is above my credit card limit but I can use my debit card.
So I should request for a link to pay be card right? Pay minimum of £100.01 on your CC, you can choose to pay the balance as you wish. Google section 75 for better insight. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 5:11pm On Feb 27, 2023 |
Viruses: So I want to pay a deposit for a car from an approved dealer. Is bank transfer OK or I should ask for PayPal? Use your card for better protection, credit card preferably if you have one. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 10:19pm On Feb 12, 2023 |
Teenwa: Good evening Gurus in the house.Please we need your advise here. I am currently on Tier 4 visa while my husband and children are on dependent visas.After settling down and starting work,my husband got a US Visa to proceed with his doctorate degree programme in the US(an old application).He is now in the US doing the programme. For now,we are yet to decide on which way to go in terms of settling down after my 1 yr programme. So we are trying to abide by all the rules in case I need to switch to Tier2 in UK.
We hear he must not spend 180days outside UK. If anyone knows much about this,pls help throw more light as he does not want to default on his current dependent Visa.
Your guidance will be appreciated.
Thanks always . Bolded only has implications for ILR/settlement, no impact on his visa. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 6:17pm On Feb 10, 2023 |
Progressivegee: Hello guys. If one switch from a 5 year sponsorship to a 3 year sponsorship. When do the dependants switch their visa? Is it before the 3 year sponsorship of the main applicant expires or they can continue using their visa for the 5 years duration they were given when the MA had 5 years sponsorship? Dependants can continue on their own visa and extend or switch at the expiry of their current visa. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 11:00pm On Jan 31, 2023 |
JaySterling: Hey Guys, I’m currently in the UK, I just sold one of my lands in Nigeria and have some Naira in my Nigerian bank account, please, what’s the easiest way to convert it to pounds or how can I buy pounds with the naira.
Is there any app or something that can do this ?
Please help Look for someone who needs naira, you credit their naija account and they credit your UK account or you use one of these fintech apps like lemonade, Kuda etc |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 10:57pm On Jan 31, 2023 |
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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 6:58pm On Jan 22, 2023 |
semmyk: So I hear that Ṣeun allows emoticons. Let me check something 🤔😉🤫 Is that a 👍🏽 We can't be too serious all day, all week long.
Ok, testing 1,2, 1,2 When is drill down searching (to thread topic level) coming? Well, I have my 'hack' Abeg share this your hack o, to search for NL no be here |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 11:38am On Jan 06, 2023 |
Osoderi: morning house, I have been trying to build my credit but it is not strong. I have applied for American credit card and I am using it. I have register for vote, I have included all my direct debit payment in my credit karma but still my scores is 570.
I have applied for credit cards in two of my banks but was refused. saying I am not eligible due to my score is low. pls what other ways can I do to increase my score.
A friend adviced me to get Argos card to use it to buy things and pay back.
pls I need more advice, I really want to build my credit.
I have stayed one year in the UK.
is there any lenders that can borrow me money to repay back to enable me build my credit pls. kindly advice. Thank u Try to space out ( 6 months or more apart) your credit applications. Too much credit applications within a short period will leave a -ve impact on your credit profile. Try not to miss any payment, best way to do this is by setting up a direct debit to pay off your balance or the minimum payment at the least. If you can, try not to change address so frequently. |
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Estroller: 8:14pm On Jan 03, 2023 |
Viruses: Any idea on what the interest rate would be if one decides to collect loan to buy a car. I understand it will be cheaper to get a loan and purchase the car than using car financing deals. I am currently seeing about 9% for the financing deals.
Also, will such loans affect lenders' decision to approve mortgage? The rate you'll get will be largely dependent on your individual circumstances, but should be lower than what you'll get with car finance options. You can check with your bank to have an idea of what rate you can get, you can also use platforms like money supermarket, totallymoney, clearscore etc to compare rates. On your 2nd question, it will form part of your outgoings and it will be factored in when considering your affordability. |
Travel › Re: Uk Tax Forum For Immigrants And Uk Residents by Estroller: 3:58pm On Dec 14, 2022 |
Amarathripple0: Oh wow, I didn’t know this. Thanks for clarifying. So I guess it’s passive funds that I’ll put in there then. That works for me. Thank you, will check out moneybox You are welcome |
Travel › Re: Uk Tax Forum For Immigrants And Uk Residents by Estroller: 3:16pm On Dec 14, 2022*. Modified: 3:58pm On Dec 14, 2022 |
Amarathripple0: Yes please, that’s what I was actually referring to. Thank you so much for this info. Can you please recommend a LISA service provider?. I used to work with Santander and I had a problem with their service so I’m looking for one that won’t hang my money for any reason. Thanks Moneybox. As per the bolded, not to probe but hope you know that you won't be able to access the funds for minimum of a year and when you do it will only be for the purchase of your 1st home and when you retire or when terminally ill, withdrawing outside those conditions will leave you with a punitive 25% charge. |
Travel › Re: Uk Tax Forum For Immigrants And Uk Residents by Estroller: 12:36pm On Dec 14, 2022 |
Amarathripple0: I read somewhere that the Government can pay you that percentage twice in a year if you pay in month twice between specific months. How true is this please? I'm assuming what you meant is getting the bonus for 2 tax years within a calendar year. If that's the case, then yes it's true. Open your LISA just before the end of the tax year(5th April), make the maximum contribution of £4k to receive the full bonus for that tax year, do the same thing from 6th April (commencement of the new tax year) but before or at the latest the anniversary of your account opening and you would have received the full bonus twice within 12 months. |
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