₦airaland Forum

mex551:
Good day my people. My. Lender trying to sell me and my wife decreasing term ,life insurance with critical illness cover for 268.00 monthly. I rejected it. Please what alternatives can I get. Help a brother

That's absurd! Go on comparethemarket and run quotes for yourself.

Edit: I don't know your ages and/or pre-existing medical conditions, if any, so maybe it's not absurd, but you should definitely still go to a comparison site and get various quotes before proceeding. Don't allow them pressure you with stuff like 'it's the best deal', 'it's already discounted' and all the other sales nonsense.

mex551:
So, I got my AIP directly from Barclays Bank and has an house offer accepted by seller I booked appointment directly with a Barclays Bank advisor to assist me with the application it a friend is insisting that I should use a broker. My question is this , since I already know the bank I want to use , is there any advantage I will get in using a broker that the bank cannot give me? Please advise me on what to do.

No. Using a broker is pointless in this situation. Their only value, especially for people who don't have ILR, is in getting deals in the first place because only a limited number of places offer those deals. Since you have an AIP, adding a broker at this stage would just add an additional layer of red tape.

Personally, our brokers have been helpful but the only reason we went with them is that we're not both up to 2 years in the country so wanted the advice of experts to pre-screen lenders who could accept that. Since you already have an AIP after a conversation with a mortgage advisor, it means they've confirmed you meet all the criteria and the only thing you'll need to do is supply the documents for their checks. All a broker will be doing is getting the request from the bank and passing to you, and then passing the docs you supply onto the bank.

Note - I'm far from being an expert in this so I may be missing something. Hopefully Madam Ticha et al will provide some more authoritative guidance.

PrettyPacy:
Good evening everyone I have read lot of success stories regarding LISA account. Can the LISA account be opened through an APP called money box? Or rather can someone please advise how to go about it? I am saving towards buying my first home in the UK. Thank you
@everyone

Yes moneybox is very good.

Goke7:
😂 in fact this is the best response so far

3 gbosa for you. I hope all the patriots won’t dodge this question. Just like those who came in years ago will complain that immigrants are becoming too much in uk but will never volunteer to leave to reduce the number 😜

Seriously though, it's a nice quip but it's not logical.

The question is not about that person. It's about someone else in a specific dilemma. It doesn't make sense to imply that the person is being hypocritical without knowing how much they earn, what their circumstances are, what their spouse is doing (and earning), if they have children etc.

Even when I answered I said "I would stay back" implying that if I was in that person's shoes that's what I would do. Doesn't mean that 5m would make me move back today but I surely have my own figure. I still maintain that band 5 salary with kids of that age and a spouse who'll likely not be able to get work in his field for years is a much less appealing proposition than some are making it seem, but of course it's a matter of personal preferences.

People are still living and living very well in Nigeria in spite of all the challenges, and 5m will enable any family to live very well and overcome many of those challenges easily. Private Healthcare insurance, living in a very secure area, childcare, other household help, etc. that will very likely be inaccessible here in the UK on that salary.

I just checked and apparently the take home of a band 5 staff in the NHS is actually 1900 ish and not 2300 as I previously estimated. Accommodation for the family will very likely take half that. For those saying london extra pay, the cost of living in or near London will also take the same proportion if not more. And as for overtime - every hour overtime work is another hour that childcare needs to be paid for (or that the husband will need to cover and not be working).

Maybe the UK still makes more sense for some, but it's certainly not as clear cut as some seem to think.

Krys1:
Please what is the deposit percentage rate of getting a mortgage after I have lived for 3years in the UK?

You should be able to get a 10% mortgage easily assuming other things are not problematic e.g. affordbility, credit history, length of time left on your visa etc.

erico2k2:
Let me ask you this, If you are a Band 8 and Earnming over £80k will you say thesame thing?

Will the nurse start at Band 8?

Won't she be at band 5 or thereabouts taking home maybe 2,200 per month which is even less than the 5 million naira?

Personally I would say take that job, save aggressively and be in a position to travel in a couple of years if they still want to. Nurses will always be in demand so it's not like if she doesn't travel now she won't be able to do it later.

Getting a job as a civil engineer without prior UK experience is unlikely to be straightforward (granted I don't know much about that field) so it means they may have to get by on a single income for a while (especially as someone will need to care for the young children).

It's a no brainer, in my view.

jedisco:
All you need do is look at the comments that follow.

I always do this, especially on Telegraph, Spectator, Daily Mail etc.

One of the effects of the riots on me was thoroughly disabusing me of the ideas of how most people here are, that I had formed based on my interactions that have mostly been with urbane, highly-educated/qualified people.

The riots themselves and all the roundabout justifications in the aftermath made me realize that the far-right are actually far and wide, although they're most active when they can be anonymous or in mobs.

Reading those comments now keeps me grounded and in full conciousness of the fact that a large proportion of the population actually holds those kinds of views, even when evidence is freely available to disprove their assumptions. They will happily read the headlines and first paragraphs and go off spreading fake news to strenghten their racist and anti-immigrant arguments even when the reality is just a few paragraphs down - which, BTW, is exactly what the publication wrote the article that way to achieve.

missjekyll:
Addendum: The Mayor gentleman had been divorced for 10 years before he met Kamala. She was a highly successful lawyer who won the election on her own merits. She proved that by going on to win higher elections in addition to being very effective in all her roles so far.

Thank you.

It's even more ridiculous an argument when the opponent is a man who paid a porn actress for sex while his wife was pregnant with their child.

Jenny022:
Hello all,

We are in the process of getting a house. Please I need help with this statement from coal search report:

"The search revels that although reserves of coal exist in the local area which could be worked at some time in the future, there are no mines or associated operations affecting the property"

Is this a cause for concern although the coal search returned with a 'Pass'

Wouldn't be a cause for concern for me. The last coal mine approved in the UK was in 2022 after 30 years since the last one, and till now the approval is still dragging in court, and the new government is not defending the approval by the last one.

https://www.bbc.co.uk/news/articles/cp68949n013o.amp

The odds are very low of any new mine being opened in the UK but even if one is to be opened near to you, it will, by law, be distant enough not to impact health, and it will even drive property prices in nearby areas up as the new workers and businesses to serve them move in.

Fraih:
Hi guys

Pls how do I properly calculate the part time salary of a role when only the full-time (37.5hrs) salary is posted?

Let's say you want to find out what the part time (20 hrs) salary for a 24,500 full time role. Is there a website or a calculator?

They usually advertise part-time roles in WTE (Whole time equivalent) terms. So if you see that the role is 0.5 WTE it means you’ll be working half the full time hours of that role and earning 0.5 of the salary (e.g 37.5/2 = 18.75 and 24,500/2 = 12,250).

If they don’t state the WTE, you’ll get the fraction yourself by dividing the full time hours in that role by the number of hours. So in your case if the full time hours in that role is 37.5, you’ll calculate 20/37.5 = 0.533. You can then multiply that by 24,500, which will get you £13,066.

ReesheesuKnack:
The difference between you and Jedisco is that, Jedisco saw a telegraph interview, of a politician he ‘doesn’t always agree with’. Jedisco watched the interview from beginning to end. He picked up ⬆️ the good points and the lessons and learned/resolved to make a difference in the lives of younger generations.

You, on the other hand (I’m not sure you watched the interview from start to finish) decided to regurgitate your inherent bad feelings about Kemi.

Welll, Jedisco has made very vital points. The points made were the reason I watched the interview myself. Just like Jedisco, I may not agree with Kemi all the time but I have picked the positives and I’m sure my kids will learn from Kemi.

If you are not sure that the person you quoted watched the video, then are you not doing the same thing you criticized by “regurgitating your inherent bad feelings” about them baselessly? Or is it that when anyone doesn’t reach the same conclusion as you they must be acting in bad faith?

On the subject of Badenoch, she’s clearly a good talker and she has accomplished a lot for herself, so she’s inspirational in that way for people who want to be good public speakers and politicians, but as a public servant, she’s mediocre at best, objectively. She doesn’t have any landmark accomplishments, policies etc either at the constituency or national level despite holding major cabinet positions.

All that aside, the fact that she stayed silent (I still genuinely find this incredible) through some of the most dangerous times for the people she loves to claim that she’s one of (“first generation immigrants”) and is only now slithering out to parrot platitudes tells all one needs to know about her character.

edmasta01:
LISA and SIPP are different products that is meant to meet a different need. LISA is an ISA to save for your first house or for later in life savings. SIPP on the other hand is a pension that you invest for yourself.

I suspect you are saving for "later in life". If yes, then it depends on you really on what the fund is for.

I will tend towards SIPP. I can then use it to invest in the stock market and watch it grow. But that is a personal preference.

For example, I have a SIPP at the moment with HL and I have invested into a few stocks on the NYSE that have done well over the past one year.

You can also consider a stocks/shares ISA instead.

Thanks! Yes it's not for first time house purchase - it's for later life. You can also invest your LISA in specific funds/bonds, etc (using Moneybox - not sure about other platforms or whether you buy specific stocks, although I have no interest in picking stocks anyway).

My issue is that it appears that the ability to get 40% tax relief plus being able to access it at 55 (57 from 2028) instead of 60 for the LISA makes it a much better option than the LISA's 25% bonus but I'm trying to balance that against the tax downside (it has withdrawal tax unlike the LISA).

willyede:
Why SIPP...Hope you know they can't access the funds until age 55 or so...Abeg money is best for them when they are young...Thats the best start to life that can be given

Thanks. I'm not talking about children though (I'm guessing you're referring to the Junior SIPP). I'm referring to the standard one.

justwise:
Create one.

Please do @elengine, so I can ask this question that’s confusing me. I’ve exhausted all my math skills (admittedly not very much) trying to work out whether an SIPP is better than a LISA for investment savings.

Ilekokonit:
The turning point was when I went to my Church in London, tendered my Tithe Account Number and asked to inspect my Tithe records in Jan 1999 and it quickly degenerated into the junior pastor on duty calling the Met Police and asking them to arrest me because I was disturbing them and the cops told him they could not arrest me because I had done nothing wrong.
.

This is hilarious and interesting. What prompted you go go request your records though?

Had 'Daddy GO' already been moving shadily before then?

elengine:
Hi everyone

As a skilled worker visa holder, can I trade on shares and stock in the UK? I just registered with Revolut now and I thought I should ask before going ahead. The Google search is not making sense

You can. There's no restriction on investing in stocks. If you do it via a Lifetime ISA the government will even give you a bonus of 1k on top of your 4k every year so it's clearly very legal.

profemebee:
ahn ahn


Lets not get biased here please....

Read the very simple question I asked again. I don't think you have.

So far, you're making arguments against things I didn't say.

I'm done with the whole debate anyway. Pretty sure all the perspectives are clear enough now.

Believe what you will. ✌🏿️

dupyshoo:
Before I continue with this conversation,
what's your bone of contention?

That some thugs did not carry knives and daggers in Birmingham and they were not far right?

That they incited violence but did not say rape women?

That they are not MDL?

That they did not beat innocent people as well?

That they are not extremists?

Or that it is false information?

We are not allow to talk about other extremists on this forum unless it is far right?

I said I am afraid of those carrying daggers and knives in my city as well as far right.

What's wrong with saying that?

I did not know that on this forum, we are only allowed to mention the evil perpetrated by far right. Any other information is false?

I'm not contending anything. I asked one very simple question about something you claimed with certainty and you haven't been able to substantiate it.

I won't be drawn into this attempt to muddy the waters with random irrelevant points.

I'm certain the pattern I outlined is clear to anyone who takes a look now. Up to you to self-reflect...or not. ✌🏿️

dupyshoo:
They were all wearing masks. Sky news even showed some of it but were forced to stop it because of the rude and racist remarks that were said by them.

https://news.sky.com/video/birmingham-protesters-surround-sky-correspondent-and-slash-tyre-amid-unrest-13191564

They wanted the to slash tyres. I saw videos of daggers and big knives

And you know they are MDL members because...?

As someone said on this thread earlier, if some of you spend any more time on the fence, you'll run a real risk of becoming bricks.

The summary of your contribution to this whole discussion has been just the kind of 'bothsideism' Olusoga described in his article. From two weeks ago when these attacks started, you said not one thing in condemnation even as people here were describing various attacks and threats to their lives. Your first related post was almost two weeks later when you came with your 'gotcha!' news that 'some of the far left can be violent too' when you posted the link to that councilor inciting violence. The actual violence didn't warrant a mention. Today you have come with 'news' of MDL (specifically) encouraging women to be raped and when asked for evidence your answer is nothing related to what you actually claimed but we should take your word for it because you live in Birmingham.

Lol. Na wah.

dupyshoo:
I saw the videos and live in Birmingham. A friend was caught in the whole drama. So I am certain.

Can you please share the videos or any reference at all?

And maybe some info on how you're definite the people involved were part of the Muslim Defence League?

dupyshoo:
Good article!!

I stumbled upon this while reading the article which captured my view

https://www.theguardian.com/commentisfree/article/2024/aug/11/extremism-in-all-its-forms-has-been-ignored-for-too-long-by-british-politicians

While I felt threatened by the far right and we have dwelt so much on them and glad to see that the justice system is dealing with them. However, I was equally afraid of the MDL that made news in Birmingham. They brought out knives and dagger and were encouraging women to be raped. I don't see this reaction as a counter protest but as another extremism hijacking this sad event to showcase their views.

How do we differentiate far right women?

For both parties, innocent people will be victims.

I just saw us "Blacks" as pawns in the battles of 2 extremists.

The British intelligence and politicians need to take their stands against all forms of extremism.

Do you have a source for MDL 'encouraging women to be raped'?

justwise:
[/b]

Those cheap recent models are mostly from scammers, avoid them at all costs.

As many people have said, it's because they are scams.

Buy from a dealer unless you know how to inspect cars very well or can go with someone who does. Private sales are dicey. When it goes well, it goes very well and you'll get a good deal but when it goes badly you can end up with a lemon and no legal recourse.

Use auto trader to benchmark prices so you know you're getting a good deal, and make sure you get a warranty from the dealer as well.

ReesheesuKnack:
But it’s a fact. The conservatives have issued more visas to immigrants than all labour governments combined (source: personal knowledge/lived experience).

By the way, do you happen to know Sir Keir Starmer’s stand on immigration?
During the elections, he promised to bring down migration numbers if elected.

The point is not about the number of visas being issued. The only complaints on visa policies we have had here (AFAIK) was when they increased fees for people in the country and even then it was primarily because they framed it around making immigrants pay more to fund services, linking the problems those services were facing to immigrants, as usual.

And that is the point - the constant demonization of immigrants. The tories issued visas (on the basis of the economy's need for them, not on humanitarian grounds, to be clear), yes, but they also made it normal to attack immigrants for everything that went wrong, however unrelated. I think Starmer has a mandate to reduce immigration and he should because that's what the electorate want, clearly. As long as he goes about it without attacking immigrants who have done nothing but follow the UKVI's own guidelines, I don't have a problem with that, and I don't think most other people do, either.

If people want more immigration, they should vote for a party that promises more immigration. If they want no immigration, they should vote for one that promises that. Either way, those policies should be campaigned on and whoever wins should implement their mandate without the divisive rhetoric that inflames people and legitimizes the terrorism we've seen the past few days.

Or is it asking to not continually be everyone's whipping boys too much because we are immigrants?

AgentXxx:
Now we are progressing. Great points listed 👍🏾

Miss Jekyll, I hope you are taking notes. Please take it to the Oga at the top as the labour spoke person in this forum 😀

No worries. As long as we agree that none of the above constitute a valid excuse for the wanton violence, and that the full responsibility for ideating and implementing the solutions rests with the government of the day, and not with immigrants.

AgentXxx:
We have agreement on some things just in case you are doubting. Yes, it is terrorism and attempt to murder people, it is not acceptable, they should be severely punished and jailed. Immigrants/Asylum seekers are not the cause of their problem.

Now let’s get back to the question. What should the government do to permanently resolve this? Or you think it would end with just jailing some thugs?

Decisive enforcement and long prison sentences for deterrence whether it's sexual assault, grooming, racist attacks and incitement or whatever else.

Assessing and (changing as neccessary) the immigration system for sustainability and making sure when they do that they don't constantly bash immigrants.

Process asylum seekers quickly and either grant them asylum or refuse them and return them if they're found to be ineligible.

Stop the bleeding of taxpayer money to government cronies like the Tories did with Baroness Mone and other party donors. Use the money to improve deprived areas and educate the unemployed and unemployable.

Invest more into the Healthcare system to get more people on long term sick back to work.

AgentXxx:
Are you just reading to reply and argue? 😒Anyways your answer lies in my last paragraph, kindly read all over to understand the point.

Mind you most (if not all) parents have fallen into the narrated scenario at one time in their life.

What is in question is violence not merely aggression, which can vary from a stern face to clipped sentences and up to violence, assault and murder.

Stop being mealy-mouthed and be specific - say expressly if you think being angry at your boss would be an 'underlying cause' for setting your children on fire.

That's what we're discussing here. If a million people protested peacefully saying they don't want migrants of any kind, I wouldn't complain. It's their democratic right. If they vote, as they did, for a party with aggressive views about migrants, same thing.

What we're seeing is terrorism and attempts to murder people. Be bold and answer like you were asked if you believe you also share responsibility for those merely by virtue of being in the country as an immigrant.

babajeje123:
Pardon my ignorance, people. Are first time buyer exempted from stamp duty? https://www.gov.uk/government/publications/stamp-duty-land-tax-relief-for-first-time-buyers/stamp-duty-land-tax-relief-for-first-time-buyers
If the are, would it be right for solicitor to be asking for Inland Revenue Stamp Duty Land Tax Admin fee?

Yes, FTB are exempted up to £425k. It appears that a form has to be filled to declare you're not required to pay stamp duty and while some solicitors (like ours - I just checked their quote again) include that as part of their general conveyancing fee, some list it separately.

I'd say the overall quote is more important because it may be that your ones just like to break things down some more.

https://forums.moneysavingexpert.com/discussion/5162003/buying-my-first-house-stamp-duty-land-tax-admin-fee

The angle that the timing is the only thing that is wrong with the underlying causes argument is nonsensical, and I'm not sorry to say that.

The argument is inherently dishnonest, whether the people saying it know it or not, because its validity depends entirely on which point in time you decide to cherry pick causes from.

Where should we start? Legal immigration is too much? Isn't the underlying cause that the UK made the routes available, publicised them and then stamped each and every one on those routes into the country? Did the government not know the capacity of the NHS, how many houses there were, etc.? Should the immigrants have been the ones to run the figures and say 'oh it looks like the NHS is at capacity so I won't apply to come study/work'? Isn't it unfair to the immigrants as well since they were definitely not told 'the country is full' and they would be constantly cast as burdens and made into punching bags for everyone's problems as soon as they step onto the country's soil by the university, NHS and private sector recruiters? Before all of that though, was the underlying cause not that the UK simply did not have enough people to fill roles in various sectors?

Illegal immigration is too much? Okay where should we start? Isn't the English language part of the reason that the UK is so attractive to asylum seekers? Where and why did all those 'not English and will never truly be English' people learn English? That aside, look at the list of top countries where asylum seekers are from. Almost every single one shares the characteristic of having been at the receiving end of British military interventionism either directly through attacks on their soil or through British support for one warring faction over another, sending weapons which prolong wars, increase casualties and displace people all around the world. And before anyone says it's ancient history, that's a lie - some of these are just a couple of decades ago. Here's the list of top countries where asylum seekers come from - https://migrationobservatory.ox.ac.uk/resources/briefings/migration-to-the-uk-asylum/ Check for yourself.

As an aside, more Chinese people seek asylum in the UK than Nigerians.

Given all of that, is it a wonder that some groups have an antipathy toward the West? Or does 'underlying causes' not apply to people whose regions have been decimated by western countries in support of their corporations' agendas to go pick up oil at bottom barrel prices from war-torn countries?

Nothing would ever be said (by reasonable people) to justify terrorism like the bombings that have taken place in the UK whether at the time they took place or years after, and nothing ought to be said to justify terrorism like what we've seen these past few days, at any time. I would personally never, under any circumstances, take up arms and try to burn random unarmed people to death or pour acid in the face of a random person in the street no matter how angry I am about whatever, and to imply that I ought to relate with and emphatize with people who would do that to me because of 'underlying causes' is insulting.

kwakudtraveller:
Play stupid games, win stupid prizes.

She has apologised and said she acted on 'false and malicious information' - https://www.bbc.co.uk/news/articles/c1jll3eg33wo
That's what every one of them says and to be fair it's likely true.

The biggest lesson I've learned from these riots is that the rhetoric around migration is often more important than the reality. It has been humbling for me because I see now that many of my previous positions were utterly wrong. I used to think I cared little about what nonsense the latest politician wanting to make their right-wing bones said as long as I was continuing to do great work and thrive in the country (for which I appreciate the country), but it's clear now that all that talk didn't end at the microphones, and it has now empowered ignoramuses to take up knives, acid, blocks etc to attack people like me at random.

The conservatives might have liberalized many migration routes, but their rhetoric around it was constantly villifying immigrants, and that has a much greater impact as we're seeing now.

They had all the opportunity to close down routes or make them stricter and people would simply not have come anymore if it wasn't suitable for them anymore. There's no human rights obligations to have skilled worker routes or lower threshholds for care workers and all the other things they did. They left those routes open because it was beneficial to the country, and would even sponsor British Council events abroad inviting people to come study/work in the country, but would turn arround and somehow find a way to link everything that went wrong under them to immigrants, legal or otherwise.

Another thing I'd like to point out is that if the things you are saying would fit in very well coming from the mouth of one of those egging the rioters on, then you're for all intents and purposes, also egging them on.

It doesn't matter how many times you say 'I don't support the rioters attacking people but...' Even the people like Farage, Tate, Robinson, Tice and co who lit this fire by lying that the killer of those children was a muslim who 'arrived on a boat two days ago', 'was known to police' but was left free because of 'two tier policing', they also always start their statements with 'I don't support the rioting and attacking of people but'.

So, from the perspective of victims and potential victims, you're one and the same, just as a woman who is a victim of rape would likely class everyone who says 'I don't support rape but do you know what the underlying causes are? There are many women here and a lot of money is being spent and blabla' right while the rape is ongoing, as enablers of her violation.

There's only one set of perpetrators in these riots, and that's the rioters, and the only victims are those being targeted by the rioters.

On specific crimes, the only perpetrators are the individuals who commit the crimes, and not people who share the same skin color, religion or countries of origin with them.

On bad governance and poor policy, everyone in the country is a victim, and the perpetrators are the government and those in power - most certainly not the immigrants.

I think the new spiel about people piling on Zahra is absurd because as far as I can see the responses have been focused on their arguments and not personal in nature for the most part.

But just to clear the air with regard to why I (I'm not speaking for anyone else) won't engage with Treadway or Gerard - it's simply because I consider them unfit to engage.

One of them a few pages ago was calling people here apes unprovoked. Nobody insulted him or anything. The other one manages to weave potshots at Muslims into every post. I made the decision not to engage either one for any reason since then.

I'm happy to debate and disagree however strongly but I'll not speak with people whose baseline is disrespect or bigotry and contribute to this place becoming an online beer parlor.

ReesheesuKnack:
In my training, I have been taught to look at things in the round. I am never ever a one-sided kinda woman. Never. I cannot see black but call it white because I am black. Or see green and call it red because red is the colour of the party or football club that I support.

That's not what you were asked though.

Your training must have also taught you to respond to questions with empty answers that say a lot but mean nothing, because you seem very good at it. I don't mean that to be offensive BTW - It's actually a good skill to have in some professions.

The question you were asked is "is that what you told your friend whose husband was attacked"?

Or, if your husband was attacked, would you tell him "darling sorry about this gash in your head but did you know that the government is spending 8 million on asylum seekers daily? And in fact did you also know that the UK is not training as many nurses as it needs? Those are the underlying issues why you were attacked"