₦airaland Forum

Lexusgs430:
Slide into my DM ......

Come and share with us now so we too can save money abeg. This one everything is getting expensive from April.

How does the IPTv works

omopapa:
Use this site to check and compare broadbands in ur area https://www.uswitch.com/broadband/ the strength of the broadband in your area will help make informed decision

If you are good with paper work and administrative duties then you can open ur own limited company to gather paper works for tax purpose. While umbrella company will take care of those.

Also, if you open your own company, it can be used for other contracts or side gigs.

Thanks, compared and haggled but seems to still be a lot sha. Will see how it goes.

dupyshoo:
Tell them you are leaving and book with another provider even at the same price, you should start getting calls with cheaper price.

I did the same for Virgin Media, agreed a new deal with Sky. While we waiting for installation day, Virgin Media called to offer better deal. Got M100 Fibre, basic TV and landline for £29.

Tried this and it reduced by £20. Think the problem is we dey find too much in the package . Na wa

wonlasewonimi:
Fatima get sapa plenty o

Hahha sapa no dey oo, I want to port but the fact that getting broadband only and all those other individual subscriptions for netflix, prime video etc may turn out more expensive is my fear.

Oya Elders advise on the bestand cheapest alternative, we like sports, regular ITV programs, box set etc, does firestick have all these? Also in HD?

@ justapasserby I second dupyshoo comment, this is storm Eunice fault, go forth and make a claim but don't state not engaging handbrake or anything. Resist that shalaye

Good day gbogbo ile oo, please i need advise on alternatives for TV bundle from the usual Sky, BT etc. The renewal price I am seeing is quite high for an existing customer.

Also, is it advisable to use umbrella company or open your own Ltd company if working on a Locum basis?

JanegirlN:
Hello everyone.

Please has anyone processed visitors visa recently. How long did it take? That of my mom's is over 3 weeks and when I called UKVI I was told it now takes 3 - 6 weeks. I had no idea and we already booked her flight.

Send the paid email to UKVI to know the status, they will either confirm if a decision is made or not. If they say decision is made, then ask for an escalation if you want but usually this email request triggers TLS/BHC to do the needful. Hope this helps. This method has helped with getting visas out recently.

Akorkor:
Okay. Thank you for your advice. Gradually settling down. Difficult though without Bank account.

Have you tried the online banks such monzo, starling, revolut etc

Temi231:
I went to this store and got a shock of my life. Red pepper(Rodo) £16, something that can not fill custard paint. Haa mogbe.... Is that how we used to do �� . Maybe the guy made mistake in our bill sha. Hubby is planning to go there and buy the same quantity to see the price again.

Just to give update. Thank you

Lolz sorry ehn, red pepper is usually expensive during spring/winter months. You may want to ask for carton price and then take half.

On the other hand it's value for money cos you don't need to use lots of it as they come quite spicy

Akorkor:
UK elders in the house I greet, ohh.

Please do you have a specific place to buy a TV? We went to Curry as the closest place to us, but the price we got was much more than what we saw online. Can we also Order online? Also they don’t have the brand we wanted.

Do we also need to check for energy consumption rating for the TV? I saw on the cartons of the last tenant , he uses Rating A. Does this matter.

Also, how long does the broadband people come around to fix internet for us. I am using Virgin media as is the strongest In my area.

Also, do you think it's advisable to go into insurance for the house? I feel like since it's not my home no need, but they are saying because of my valuables.



Thank you

Ao.com usually have good prices and very as well. I generally prefer AO cos of fast delivery and service.

For Internet, they should book you in for an appointment immediately you sign up.

Didn't get home insurance as a Tenant, think it's a way for the insurance to make money, because the LL should have the basic h9me cover. However if you got valuables like all those cinematic TV, expensive laptops and phones etc, you may consider it

dupyshoo:
You people should be planning for summer born. . My 3 year old is late August. I had to pray him out sharply cos giving birth in September is extra year childcare. He started full time school (nursery in his sibling primary school) last September.

It is worth noting that it has disadvantage though as a lot of the kids in his class are way older than him. They are much more matured than him as even 4 months difference mean a lot at this stage. He is like the baby of the class. He is gradually adjusting though.

this developed countries will make you dey overplan baby and dislike ember months.

Mamatukwas:
Wawu. The danger of a single story. I read the first article and already started feeling sorry for him. Felt he was just misunderstood. Alas the guy was trying to flee. Hmm. Na wa.

Same with me, I actually felt it was already prejudiced and his main problem was speaking to the FBI without a lawyer present.

Mamatukwas:
Lol. Don’t worry the grass ain’t greener on this side.

Oya expantiate because to me the little additional tax doesnt outweigh the plenty benefits you get over there innit?

gistbite:
Lmao UK living has turned me into an accountant by force. Income and expenses must balance.

Lol you always had it in you . You will soon start using big excel data for analysis

umarwy:
He has a wrong insurance. I.e provisional license and driving alone without l plates

We are still observing the situation as he told the other party he will fix there car 100£, the problem it was a company/work car so the individual doesn't have have final say. The individual still took pictures and his car plate etc. And told him he will be in touch

He should try and negotiate then without involving his insurance provider (unless na expensive car), if not just accept whatever the insurance say and set up a convenient direct debit plan with them.

gistbite:
Oh thank you. My daughter will be 4 next February. That means we can apply for her to go to reception class September same year.

The council portal usually opens earlier than February (nov - mid jan), so check admissions sectiin on your council website

umarwy:
Update guy 1 had accident this morning.

Improper observations at round about.

Someone hit his doors.

What is the implications of driving without insurance?

Since he's driving with provisional license

He has been impounded last year by cops as well.
Now another gbese.


A word is enough for the wise oh.


Theory test pro
Ashley Neil watch 200hrs
DGN driving school watch 200hrs
Get an instructor and block book 10hrs
.

Watch a lot of videos and while driving drive intentionally with safety in mind.

You are good to pass first time
QED

Believe driving without insurance is a crime, one should have at least 3rd party insurance.

As per d repercussions, did he have anyone with full licence beside him? That may help mitigate his cost. The insurance may potentially cancel his current cover and he will still be liable for the full amount for the year, increased premium, and if any issues found with the claim, he could be charged with the repaired cost of the other party

Ralphlauren:
Its possible the £1000 you were credited with was proceeds of crime/fraud. If the money was obtained via criminal means (e.g. romance fraud or BEC) , you may have unknowingly helped this person launder money. This is one of the risks involved with exchanging pounds for naira especially when you do not know the person you are buying from and neither are you 100percent certain the source of their money is genuine.

Contact revolut and see what they say. I don't expect them to provide you with any concrete information but be prepared as they might ask you questions relating to the transactions.

Best case scenario, they remove the restriction on the account and/or they close the account. Worse case scenario, it might end up as police case and/or you are reported by the bank to CIFAS as a perpetrator of fraud.

https://www.msbsolicitors.co.uk/cifas-fraud-markers-the-problems-

https://www.cifas.org.uk/

And to add to the above worst case scenario,
We all need to start learning legalities in the UK or abroad generally. Police may not be your friend when interrogating you.

See the below story of a naive Nigerian in the US who was jailed due to not querying the source of the forex transfered

https://nigeriabroad.com/a-us-based-nigerian-is-in-jail-on-fraud-charges--it-all-began-after-he-hosted-a-friend-visiting-from-nigeria?fbclid=IwAR1PTcqNv5zhCFaYpjQemRPXpl4y8k_c0f0uGc0PVGU_ImbIYny9Obbwlto

Mamatukwas:
I think it depends on your council. A friend of mine moved from Glasgow to South Ayrshire Council. Currently the council arranges a taxi to pick her son from school every morning and drop him back after school because she lives more than 2 miles away from his school. The only requirement is that there’s someone at home when he comes back.

She says it was not like that in her previous council, So it depends. Always ask and throughly research with your council.

Taxi pickup and drop off every day for just 2miles?? Seems Scotland is the place to be oo, doubt England councils will offer that.

mizGene:
Good evening everyone.

I was playing around with the mortgage calculator on rightmove... I noticed that for a house of say 600k, the monthly mortgage could be 2500 with a 10% deposit. But curiously, doubling the deposit to 20% only marginally reduced the mortgage to like 2200 (the figures are not exact)
Is there any trick to striking an agreeable balance between increasing the deposit paid and achieving a lower monthly mortgage...cos the way it looks to me, one might as well deposit only 10% and invest tge rest in a buy to let...

Doubling the deposit basically increases your equity but potentially the interest rates between an 80% to 90% LTV ratio isn't that much so that's why you are seeing close quotes. You can definitely divert your extra funds to start your property portfolio.

Also noticed that you might properly get a reduced mortgage repayments based on your actual scenario because the calculators are designed on like standard 3% rates and there are mortgages as low as 1.25% in the recent times.

Caveat- the above is just personal experience and not a professional one. Trust Ticha and others to do it justice

umarwy:
I can offer full gist for a fee

Oya now, free wheat bread �

Newbie123:
I read it all before it was deleted

The feeling is heavenly

You should have done screenshot for us . A whole page with deleted post is a new one. Glad the thread has been sanitised

Viruses:
I wanted to begin my search for a mortgage as well because I have some funds I'm not using, but I was told by someone here that I need ILR status before I could get a mortgage. Don't know how true that is. I've just stayed few months here.

Does anyone know about this?

Let's do parry with the funds you are not using now.
Serious note, you do not need Ilr for mortgage, your employment status, overall finance will determine your eligibility.

Only issue could be the length of your stay and if you are still on probation at work, however Speak to a mortgage advisor. I have read about someone who got a house within 1yr of moving to the UK.

Aprokodaughter:
Boss thank you so much and everyone that gave me advice on this issue.

Make I no derail the thread with THANK YOU THANK YOU

You too like repeat Thank you

ganiruogene:
Good day my people, please for those living in Glasgow and environs where can I get shops to buy cheap furniture-beds, mattress, lounge chairs etc to furnish an apartment

Not living in Glasgow but I would say similar England sourcing applies. Check Facebook market place for items you want (always choose cash on delivery), British heart foundation or other similar charity stores if you don't mind fairly used items, neighbourhood app if lots of users exist in the region

@yemsot congratulations on overcoming all the numerous challenges. Your resilience and strength sure came to play. May Almighty continue to make your path easy in the UK.

So many lessons to learn from your write up and I sure hope future PGCE studen are able to pick one or few things.

adedapodvirus001:
Good afternoon my people, please does anyone have any experience about Scottish power. Moneysupermarket recommended them for me as a cheap energy provider and upon contacting them, they gave me a monthly fix rate [b]of 63 pounds Which is very enticing but when I checked their review online it was horrible.[/b]


I'm planning to call them that I no do again but I need input from people with first hand experience.

My house is all electric.

Please help a brother oooo.

Exactly oo, run my brother. They are a terrible company and that amount stated is probably for a very low annual usage in the fine print. They will bill you £500 in 2 months if not careful and start asking you to negotiate. I also don't think now is a good time to switch honestly due to the increase in tariff etc.

5gee:
Thanks. My spouse is a British citizen so no need to wait 12 months after ILR.

Oh that's cool. Congratulations all the same. Enjoy and don't forget to renew your naija passport at Northumberland Avenue

5gee:
Citizenship granted. I now have the freedom to explore opportunities outside the UK while you all pay off our debts

Congratulations, now the race is over. Let's celebrate. Meanwhile I thought one needs to have ILR for 12monhs before you can apply for citizenship

hustla:
Was researching in 2021 about how to go about it and most of the YT guys say you should spend only 20% of the spend limit that's on the CC

How true is this and is that what you did too?

Thats the best actually. Stick to what you can easily afford and refund. CC shouldn't be relied on as it isn't free money. And ensure you payback ASAP. For me I even pay back before my statement comes, although some say its best one pays after to reflect on the Credit report.

My updated credit score , to encourage new comers and all the queries about building credit score. Its not an overnight race and requires lots of patience and steps. Took me 4yrs to get here and my advise is everything matters, oldest account on report is for my water provider severn trent and every account for electricity, Internet etc is also reflected, so not just owning and using CC helps.

I also have credit card accounts with different banks and ensure I only use what is in my budget for the month (mostly), so pls don't spend and not pay back and start accruing avoidable interest cos those APR values are something else

Adewumi2888:
Wait ooo!!
Please does getting a trainee position within NHS amount to recourse to public fund ?

If its not on the link shared earlier by UKay then it's not. If in doubt send an email to UKVI, they will most likely direct you to that link but hey you get an official confirmation