₦airaland Forum

Avangard:
@ Alphadoor, do you know anyone who has gotten ITA as an actuary (NSW 190).

Someone on immitracker got some months back with 65 points. You can check it out

LagosismyHome:
Second offence .... i am a female oo

Lol, I knew I was making an error in that post.. i deserve a fine . So sorry my sister.

LagosismyHome:
Ahhh fear God ooo . Abeg when did i say this; You conclusively said a "boy is a liability without a father" without such clause/situations.

Lol, bros d be bros abeg sorry oo. That's part if where it started from ni. No vex

LagosismyHome:
You cannot always use someone as example because you never truly know their journey...... My mum sister was a single parent but all her brothers and even my dad were very much part of those two boys upbringing.

From afar and on paper, you will say my aunty brought those boys up alone but in reality she had a lot of help and support . Those boys are pretty much like my siblings. Every long holiday they be in our house and we all do everything together including lessons for next semesters

Now you have changed the narrative and made my point. You conclusively said a "boy is a liability without a father" without such clause/situations.

I believe we probably want/mean the same thing, having a family with 2 parents involved, shikena.

My statement has just been that so many factors contribute to having a well behaved off-spring.

Corrected they got divorced when he was 9

sgtponzihater1:
Obama had a father figure, because her mother remarried, and he never stayed with the mum, as a single parent.

They got divorced when he was still young (like 15 or 16) and doubt she ever remarried

Case in point

https://www.dailymail.co.uk/news/article-7082663/Vegas-father-gets-337-years-sexually-abusing-children-family-dog.html

sgtponzihater1:
Without a father, a boy is mostly a liability to the society. Research has it that majority of gang members, cultists and vicious killers grew up without a father figure in their lives. It takes Providence, mercy and God's grace for a boy to turn out perfectly when raised singly by a mother. Some single mothers are smart enough to quickly look for a father figure for their children , to try to make up for the deficiency.

Few exceptions abound on both sides though.

You say a liability with such confidence, Obama's parent divorced when he was under 5 and his father was not present for much of his upbringing. I know you may say its exceptional but I bet research will show otherwise because that's just the public figures we know.

There have also been lots of cases the so called "father figures" in form of step fathers who ends up abusing the kids and eventually they end up becoming bad members of the society.

Should we also look at our country where a man marries lots of wives with plenty kids, though he is in their lives but they still turn other way around because being married does not in any way indicate being PRESENT in your kids life.

I am NOT in anyway saying the father is not important, am just saying dont condemn someone fate or future just because.. we as a society should do better in all.

LagosismyHome:
Single parents not by choice still doesn't make it ideal ...... even when the single parent is the father there still the motherly touch that might be lacking.

Never said it was ideal. Both parents are very much required throughout the development phase of a child.

Just saying making such conclusive statements on an open forum can affect a male reader who lost their father for one reason or another, because it sounds like you already determined their fate and future.

Our choice of words goes along way in affecting people.

Kolping:
I agree. It's getting tougher by the day, especially when the fathers of these teenage boys are no longer in the homes. Some have been sent out of the home by the mother. Other fathers have been affected by a lack of stable jobs and took off.

The lack of a father in the home lead to boys joining gangs. Also living in various neighborhoods also bring these boys in close contact with bad company.

Only a man can bring up a boy to be a man.
No wife or mother is a substitute for a father.

I agree at the bolded but the latter statement is not fair and can make men raised otherwise feel inadequate (words on social platform reaches a lot of people)

Remember that, some are single parents not by choice but by situation e.g widows. All in all raising a child is a multi-factorial equation where both parents presence doesn't guarantee a well-behaved child.

LondonBook:
Someone please come to my rescue. I've checked different threads. Please help !!!

I believe It will fly for 190 Visa category but not for 189 because both occupation has to be on MLTSSL.

To confirm this, update your EOI for 190 with the occupation and see your total score change before submitting, if it doesn't then it's not acceptable.

nihilistjnr:


Oboi one mad one hook me last year in that Ikeja city mall.

I went to one 'shop' downstairs and ordered their ribs. Only God knows what was on that plate. I was upstairs in the cinema when my tummy gave the initial grumble.

I thought I could hold it down, but na lie, my stomach was vehemently protesting against it's current tenants.

I left my guest and literally ran out the cinema and straight to the toilet. It was a violent and explosive affair.

Just when I thought it was over, i reached for the toilet paper, but there wasn't any. Instead, I was confronted with the sight a garden hose with a power nozzle attached.

I'm not going to continue this story. Suffice to say, things got very messy.

I stuck to pizza for the rest of my stay.

This got me rolling , your stomach was turnioniown

jfan:
Hello efam,
Thanks for a great job here.
I got feedback from Engineer Australia today and I would like to be guided on how to tackle them, most especially the third one
@bellong, @Alphadoor and any other person who has a similiar experience, please come to my aid.

Here is the Assessor's Feedback

1. Please, Provide a high-quality coloured scan of a new passport style photograph
2. The passport identification page does not show sufficient background detail, please provide a new scan of the passport identification page.
3. Please, provide a high-quality colour scan of a new reference letter meeting all the requirements as specified in MSA booklet page 28.

I understand that I need to send a high-quality scan back to them for feedbacks 1 and 2 but for Feedback 3, the reference letter I sent initially meets all the requirement in the MSA booklet but I didn't send any secondary documents because I am not assessing for relevant skilled assessment for now. What exactly could they be asking for?

Also, I want to ask that since they didn't raise any issue with my report does that mean there are no issues?

Thanks in advance

I believe you need just need to rescan in order to meet the 600dpi quality as required and you are good to go.

Usually, once you respond to those queries, your assessment should come out in a few days

brideofchukky:
Hello all, are tier 2 visa holders entitled to 30 free hours please? I found so many conflicting details online regarding the public funds thing.

Anyone couple/parents on tier 2 visa currently accessing this?

Nope. It counts as public funds for Tier 2 Visa holders. All kids from 3years old can get 15hrs without any application.

Check this link for further explanation

https://www.gov.uk/help-with-childcare-costs/free-childcare-and-education-for-2-to-4-year-olds?step-by-step-nav=f237ec8e-e82c-4ffa-8fba-2a88a739783b

https://www.moneysupermarket.com/money-made-easy/all-you-need-to-know-about-help-to-buy-isas/

This link explains it better

Lexusgs430:
UK government dash free money, wey no be giro........ I would eat my pant again.........

Lol na so we see am, hence why we had to ask if its public fund sef and the question is littered on the internet

wonlasewonimi:
Are we talking about the same help to buy scheme where you provide 5% deposit and the government assist with 20% towards buying your first property?

I dont think so, it's the help to buy ISA/LISA you need to open before November 2019 and between now and 2030 whatever you have saved in the account, government will pay 25% contribution to that which can be used for your Mortgage deposit.

But the maximum contribution you can get is 3k which means you must have donated 12k into that pot

wonlasewonimi:
Help to buy cannot be classified as a public fund because it is a form of loan that you have to repay.

From my understanding the bonus from the government does not need to be repaid, it's just a 25% contribution to your own ISA savings which can be used for the mortgage deposit once you are ready to buy and sorted out the Exchange deposit with the developer.

The maximum bonus one can get is 3k though.

Lexusgs430:
No mind village people o, nah dem go look after the kids......

Abi oo, begging for 1 more when it's not like cloth or bread that you can return and buy later

Question on having access to ISA or LISA when on Tier 2 Visa answered by home office from the link and picture below

https://www.whatdotheyknow.com/request/tier_2_visa_holders_access_to_he

jedisco:
Correct me if I'm wrong but I think its 25%. Possibly why it's capped

Typo, It is 25%

Lexusgs430:
Are you referring to the ' no recourse clause '?....

Government never owns money, whatever money they offer is from taxation/public funds.........

Yes exactly that.

Being on any Visa aside ILR is really limiting and unfair.

An example is the Childcare voucher from ones employer, this was stopped last year october and replaced by Tax free child care I suppose.

Thought of applying for the Tax free childcare and as at November last year there was no clause for "no recourse to public funds".

I was just still researching on the whole thing and decided to pend the application until after our visa renewal, only for me to go back to the website and see it in bold now that as long as your Visa states "no recourse...." you cant have access to it.

So basically we pay so much tax and still pay for healthcare and then we cant even get subsidy on childcare. And village people wants more kids

Lexusgs430:
Just remember LISA LISA.........

Lol that's easier to pronounce.
Been meaning to ask, does the 5% contribution from the government qualify as public funds.

jedisco:
Different strokes... But what doesn't make sense to me is getting a loan to buy a car.

How many years had u been in the UK before applying?

Bank Loans have better APR offers and lower interest charges compare to dealership finance

RalphJean:
My brother, there will be no one chance.
Even with 50% default rate, I would still be breaking even.
Imagine getting £10,000 loan in the UK at 3% and then ‘laundering’ same to Nigeria, changing to Naira and giving out loans. It’s mad money.

Even though our friend and brother was pissed, the truth is:
Getting £ loans or £ Credit Card cash and zapping it to Nigeria sounds very much like ‘reverse laundering’

Please if anyone sees a bank that gives Loan at 6% (not even 3%), I am interested.
In my own case, I will not want to send to Naija, I would invest here.

Lol, in that case you want to be "laundering" here. HSBC does give 3.3%APR for anything between £7k and 12k

FYI, just remembered HSBC may sometimes ask for the length of your Visa to determine the length of your repayment.

I was asked for that and then the interest rate became 16.9% and na so I carry my slippers for head and run comot

EngrSaks:
Alot of Nigerians get into financial trouble with the false sense of security CC and loans give...especially with pressure coming from Naija due to the new jand status...

Let's all just thread careful make village people nor use us shine o...

Let's just keep giving each other good advice with love

I agree, if one is not careful you can easily be rendered homeless in this country with that false sense of security.

One should always have a backup plan and savings for what if I lose my job #anythingcanhappen

jedisco:
It seems someone has taken my issue on his head to now start throwing flimsy accusations.

To clear the air,

I was simply asking for clarifications on HSBC personal loans and ILR, advertised rates and how to get it. I was hoping to learn from people's experiences who have applied before and not an obtuse standpoint. In as much as I appreciate the extra financial tutoring, I'd ask people stick to the addressing the issue at hand.

In the past I've got loans at much higher rates, broke even and grateful I took the opportunity. Again I am a product of my decisions. As far as it's not illegal, let me worry about the aftermath of my decisions

You dont need to take it personal, no one was mocking you or making unwarranted accusations. They have simply giving you their advise based on personal opinion and the onus of making the decision lies on you.

That said, they have just giving their advise based on experience so far in the UK and while you may think you have the full grasp of it, trust me the financial system is design in such a way that some key information may still eludes you and thus the purpose of the thread to gain first hand experience from all who has passed through the "JJC" phase.

I can see you are a business man who is not a novice when it comes to taking financial risks with the purpose of high yield returns, but you have to be careful in taking loans and CC facilities. They all do look attractive and easy, but by the time you settle in and start paying a lot of necessary Bill's, direct debits quickly adds up.

You may think 3 or 4 years loan with little monthly repayment is small but the higher your income the higher your expenses. You will soon be thinking of getting a mortgage, car(s) etc on finance and boom your outstanding credit greatly outweighs your income both home and abroad.

My advise is wait for at least 1year to get a solid credit rating and then determine if that Nigeria business can sustain paying back the loan itself over the required number of years.

Lastly, I dont believe you need to make mistakes to learn a lesson when you can learn from others. A wise man takes all the notes and experiences he can absorb to make better informed decision.

All the best and do update us on your life in the UK as it goes.

jedisco:
Thanks. Much appreciated
I may think of switching banks to yours if they offer better services. Mine offered me just 3 months interest free on my credit card. But then, I always clear out the debt before months end.

If you are considering switching, it's best you do it now that you are still new in the UK because the longer your oldest account the better your credit score.

HSBC credit facilities still better than other banks offer from my experience but I will advise waiting for some few months to get a good APR rate. Keep using your brw 30 and 50% of your HSBC CC and see the difference

spacyzuma:
So yesterday, I finally passed my practical manual driving test, on my 3rd attempt.

AFter the first 2 failures, I waited until winter was over and the days got longer, and I went with a different driving instructor. I bought 10 hour with this new guy, and he taught me how to handle roundabouts properly.

Before the test, I was quite tense. Within 5 minutes, I thought I had already made a serious error at the very first roundabout I encountered. I was just pissed off during the rest of the test, and was squeezing face 'cos I was sure I had failed again. It was a pleasant surprise to learn that I had passed.


Time to start shopping for car insurance and car purchase deals.

Congratulobia

Lexusgs430:
www.moneysupermarket.com
www.confused.com

Or any other multiple checking portals.........

If you have time try edit/shuffle details of your quote such as job title eg. Secretary to PA, mileage allowance and other little things before you choose. Takes a lot of time but worth it.

Also if possible pay at once rather than put it on direct debit, comes out way cheaper

Lexusgs430:
My latest savings escapade......

I eventually settled for this Legend, but the navigation screen was fuzzy/faulty.....

Seller agreed to fix, but would increase selling cost by £1000 (this was for repair, not replacement)........

I contemplated replacing with android auto, for more enhanced functionality, but i might lose some functionalities, like voice activation etc etc...... ..

I tried to source in the UK, could not find OEM anywhere. My only choice was buying from Honda directly (£1499.00) before VAT.......

A breakers yard in the UK i contacted, only just replied me, he has now listed it on ebay for £178 + & 25 PP..... Thanks but no thanks............

I went yankee surfing, got it at an American breakers yard....

Total cost....... $37.00

My pal is in the states, so he brings it back FOC........

Ijebu boy no dey carry last.......

Baba ijebu of laif