₦airaland Forum

JaySterling:
Hi guys, I just moved to the UK In October for my PHD with my wife and 2 kids. I’m the main applicant and wife is dependent.

My two younger brothers are also coming in February for their masters with their wife’s
and kids

The 3 of us are planning on buying a property which would serve as a family house for 3 of us our wife’s and kids, instead of paying multiple rent.

We jointly have about 18M in Nigeria
Please can this be enough to serve as a down payment for a bungalow where we can spread the balance over the years in a mortgage plan.

Also, we are planning on putting all the funds (18M) into one account and send it to UK via form A. Would this be possible?

Please can someone advise me on the process for all this and guide us on what best to do to avoid mistakes

Cityboy123:
Please I would like to know if attending 1 day conference in USA is enough for VO to issue a B1/B2 visa?

gregovbiosa:
@justwise
Please sir, i am new here i signed up maybe 3days ago, so when i started searching for the reason i came on here i saw people recommending you for your great information and efforts, i love people like this and I love blessing and sowing seed to people like that so i can also be bless by God, i pray that this message gets to you, Sir please i have a problem i have so many questions it has to do with my date of birth and uk student visa , sir please can i get your whatsapp number so we can chat properly on this issue, i will be grateful sir thanks.

ahiboilandgas:
how come Arab and Chinese are buying and paying up so they have no sense Abi . Mr I too know.

ahiboilandgas:
home ownership via mortgages in the west is a system design to keep working still 65 years with illusion! Any small down turn in growth and you loose your hourly job then you can loss you mortgage payment this fear keep you working like donkey and the capitalist need this labour for production ( it a fear tactics) since there homeless people ( increase your fear) even the equity down payment and all installments payment can be wipe out in 1 day when large unrelated collapse of Lehman brothers !You go dey UK they pay mortgage of 400,000 pounds house! Some idiots in america will trigger a collapse the same house will n
ow be 250,0000 in real sale value! That dey then one Mad man call putin go start war then federal reserve for America go raise rate the bank of England follow then me that is managing my life and pay 2000 pounds per month for 25 years will get letter say now na 2500 all this are illusion created by capitalist! Even if I finsh paying at 70 and die ! They still want to tax inheritance! (Haba ) but if you build you house for Nigeria for Alaka estate na truely yours! Notting concern me with Fed,ECB rate . The 2008 subprime morgatge fraud has proof that it was an illusion !

Regex:
Justwise, this is a fraudulent activity, can you delete this post? Thank you

Treadway:
again, this is another inaccurate claim. I have never said I worked in the financial sector, ever. I have mentioned the industry I worked in many times, notably pharma and then Vitafoam before I retired in my early 30's three years ago. I understand the concepts of using OPM (other people's money) in business, as I have a MBA (distinction), BUT I don't have the need to apply leverage to my business for now. Was able to have fantastic capital appreciation that has turned one business to two distinct ones. For now, my two business experiments needs no leverage, but when the time comes when financial leverage becomes SENSIBLE I know just how to apply it to my business for best outcomes..certainly won't be taking any loans for pleasure or leisure, no matter how small, cos a borrower is a slave to the lender. What else?

Yea I know Bible verses are ridiculous to you, but it is my post nonetheless. It is for me and the general public, not for you

Treadway:
from the non-clueless holy book inspired by God himself. From your mouth to God's ears oga

Ain't it amazing that people that have no experience or evidence of enterprise still wanna lecture those who live that life day-to-day about wealth creation and enterprise. Haven't been employed in over three years. If I don't have enterprise and know investment and wealth creation how have I been taking care of my family in today's and yesterday's Nigeria oga? Na GOD!! Ultimately all glory be to God for he has given me the power to make wealth.


If you can do without the safety net of a salary, hands in the air...no hands?

Treadway:
the borrower is a slave to the lender...lol

Gerrard59:
He was correct in saying that if others who malign Nigeria (based on the screenshot) are not condemned in the same manner he gets when criticising homeownership via mortgages, then it is hypocritical.



That is my issue with him and his colleagues. The constant opening of threads against relocation is tiring.

Thortp:
OP, please tell us exactly what you want us to do.
To me, it's obvious your comments are discouraging.

I will only believe people like you until you can mention at least 5 positive things about UK.

I don't know why it has become a problem for an adult to take a necessary decision about his life.

What type of citizens are Nigerians? OMG

Gerrard59:
Even though we have disagreed previously, you pointed out the inconsistencies and hypocrisies of the people you quoted. As someone who dislikes hypocrites, I give you a 10/10.

Treadway:
nah just showing sensible people your stinking hypocrisy.

You can say people can drop dead next minute about your own people here (and I mean that literally, your people can drop dead any minute, not my people)

But

I can't say your car or house is not yours until it is fully paid. That you are only a borrower until you pay up.

Lol

korilala:
Good morning everyone. I'll keep this brief. This is the year I finally take that step and leave this country.
I have some money saved but I do not want to make any mistakes.
What are the steps and processes if I want to apply for a student visa to travel to Canada and what are the steps and processes if I want to go through a work visa.
Please seniors in the house I need your genuine advice.
Happy new year everyone.

Regex:
I wanted to say, it's high time we ignore him and the other, however they will continue to mislead them. After UK, they will start targeting people who wants to migrate in general.

Treadway:
our realities say diff. Just an educated guess. Chances that you achieved at my age what I have achieved with the cards I have been dealt to date? Very slim sir. I don't mean for it to sound prideful, but it is what it is sha

Also, just to chip in, YOU went into this personal zone. Just registering that.

Regex:
I have a phone on contract tho, so I just stabilised enough to pay it on time recently.

Treadway:
lol.

I have never created a thread on the UK, ever. I have better use of my time and resources. I do chime in from time to time to quash some falsities when they are been propagated, from a place of prideful boasting nonetheless, and I always do it with evidence and facts. Thankfully, facts always trump emotional or prideful BS. I am all for balanced reportage devoid of blind emotionalism, discussing pros and cons while most of you only do the pros.

What are your comments about the deafening flagrant negativity about Nigeria? You havent picked up on that? Some here literally say people who choose to stay for reasons best known to them can drop dead at any moment, yet Bob Marley's grandson died of mere asthma, in the heavenly US where no one dies, and everyone lives forever. Lol

The point is, why can you say a thing about an issue and it is facts, but if i say the exact same thing it is evil bad belleism?

As per your other comment, I believe you are older than I am so you may know more about 'life', but I am 100% confident I know more about wealth creation than you do. Not to mention, even your knowledge of life can be subject to scrutiny cos like I said if you can't see this double standard, then....

Treadway:
emotional outburst. No negativity here.

Regex:
They think it is easy to build credit score to afford a mortgage. They think it's every Dick and Harry can just get mortgage like that.


Me that my credit score is looking like pass mark.

Treadway:
really. What evidence do you or anyone have that I am looking for negativity or bad news for people that only exist in pixels and words as far as I know? I don't give a rat's ass about some online people anywhere on the globe that have no impact or bearing or connection to me. That is preposterous.

The question is why can you talk to people about the reality of the likelihood of low level jobs as being what to expect and it is all good, and yet I say same thing and it isn't the reality? That is the koko of my question. Your screenshots below are evidence enough

I posed a question during an exchange we had sometime ago. I From then till now, I have lost count of the number of people that have talked about their job in this same travel section since then (UK esp) and it is a no-brainer that it is exactly like I said, as with over 200 people I know in the UK that are doing FOR NOW, low-level jobs. You said I was a liar, you said pocohantas was lying too. I am not looking down on anyone, I'm just saying it as it is. If you are coming to the UK without special skills or profession (HCP, tech, or finance) you most likely will do those jobs. The problem is when I say that it strikes a nerve, but when you or other japarians say it like the below screenshots, it is enlightenment. If you can't see the hypocrisy, then.....


What is my concern with mortgage decision or arrangement of a stranger, not my money not my borrowing. The problem is it appears only conformist people are allowed to have a peaceful opinion on these matters. Anyone who isn't in the fold and dares to echo even same opinion is evil and wishfully looking for bad news of others. See why I said it was funny earlier?
Cheers!

Treadway:
No long talk. (Sike )

Over time, I have noticed a pattern with fellas here, a pattern that comes off as hypocritical.

First time I saw it was when Munamoqel (who was a lil bit extra admittedly) made a comment about mortgage arrangement of a member and was called bad-belle and got a proper bashing when he said the member can only call the said house his/hers when the mortgage is fully paid in X years. Two days later a gentleman in the same thread who lives in the UK said the exact same thing to another member and it was considered enlightenment (not like we all dont know what mortgage or car financing means).

Second time, a member in the health thread that has over a thousand helpful posts in that thread (based in the Uk) but the zealots didn't know or were too emotional) was bashed heavily by some zealots for simply stating a truth with regard to the current state of things as per the care work and all that. It was only until I and some others called them out on their BS and to see the profile of who they were bashing that they took their words back and agreed to the 'enlightenment' (again, in this instance, was not hidden knowledge as most know as e dey go).

Third, I have had a few of these exchanges where I say this is red, and peeps counter aggressively by saying it is blue, but wait a few hours/days/weeks and you'll see those same peeps agreeing/saying it is red when giving 'enlightenment' to others eg the fact that aside healthcare and tech professionals, most immigrants do low-level jobs (care, warehouse, cashier, security etc for at least 1-2 years).

Fourth, look at the link/screenshots below. If I Treadway, wrote those analysis which are facts and indicative of the realities, I would likely be told by at least three people that I am a bad-belle and don't know what I am saying, but since a japarian said it, no fight, no heat, no debate.

https://www.nairaland.com/6719932/living-uk-life-immigrant-part-2/784

This is a new year. Let's change and do better. We all cannot sleep and face the same place. Critical analysis and saying things as they are should be the watchword, with no recourse to whether the person lives in Nigeria or UK or USA or Canada. Intelligent people are intelligent regardless of location. I think it is hypocritical and unintelligent that I can't say the things that these fine gentlemen and ladies have said in these screenshot without getting heat for stating facts, heat that they are not getting simply because they currently reside in the UK.

It is actually quite funny

sugarkemi:
Planning to have soon. Just got married last year.

Chikadibia21:
Your opinions are very valid. However, what is missing here is empathy. The lady is blind, and might genuinely feel her disability might count for something.
I honestly do not think she was feeling entitled, and it would be equally wrong for you to assume so...

sugarkemi:
Happy new year. Please I need a sincere advice for my next move.I got admission to southwales for Feb intake . I'm making 6 digits monthly here in Nigeria.I have a wife.As a Student with dependent is it possible for both of us to be saving like 3k pounds in a month.

dduchess90:
Hello @Justwise

Please help ban post by @Awe4luv


Cheers

Elolam87:
Hi,just a question on my mind.Can someone already granted UK study visa ,but has a passport validity of about 5 months be allowed to board flight by the airline to the UK,and hope there won't be issue at poe?,as it's somehow difficult to renew the passport now.
Thanks

koife:
Lol, once I'm done with my course. God forbid make i reason anyhow

olalekan9320:
when will you be done so we can remind you

koife:
Hello nairalanders, I am particularly compelled to pen this down as I observe my first Xmas away from nja.
Omo forget, nja get swag, community life and it's much fun there during this time of the year.
Yeah, we have our own bad side, but mehn, our social and family life is none to compare with.
Can you imagine, a whole Xmas, the place be like say na curfew Dem declare... Everybody "on your own". Mall shut, pubs shut, kababs, shut, no taxi....everywhere dead.
D one wia pain me pass na say I never carry eye see my flatmate since two days now. Abi this people normal so, or abi na over civilization dey worry Dem? I am so bored and tired that I had to drive out and to my greatest surprise na dead dry town I see. Abroad mongers abeg I carry God name beg una, stay back ooo nja na Diamond and Gold. Una no know wetin una get untill una come hia
By the way, if any nja correct guy dey around Lowestoft, Suffolk,Uk abeg make we connect gather make some noice jor, even if na Norwich I go drive come.

Before I forget, na peter obi I dey support, ah no mind use my last money support him reason be say y I dey dis stupid place na coz I run come hia as we no get better education. If e bin dey, I nor for come hia.

Meanwhile, seasons greetings y'all.
Much love.
Xoxo

OAOA:
Go to Canada Student thread and ask, you'd get suitable responses

jimpix11:
For Intending Japa Crew

Last 4months in UK, First 4 months in Canada.. All electric Utility.