₦airaland Forum

JBoy9:
Hello My Elders,

Please I need your candid advice and opinions.

Firstly, I just packed an Esusu of £6,000. I intend to build this up to a more reasonable amount for deposit to get on the ladder. However, I understand Banks or Mortgage Lenders don’t understand the dynamics of Esusu and I might get disqualified if I can’t explain the source of the funds. Please how can I plough this into my deposit? I’m looking at saving up more (at least £10,000) and evidencing it from my monthly income till I signify an interest to buy a property towards the end of this year but I’m also afraid I might be asked to provide one year bank statements.

NB I lost weight working day and night to meet up with the thrift and I don’t want to spend a dime from it to embark on vacation to Florida this summer as Madam is suggesting 😂 (Baby let’s just take about £1,500 and take the kids to Disneyland. We’ll raise it back together)

Secondly I’ll be 44 this year. Please does that mean I’m no longer eligible to take advantage of LISA or ISA? Can I go for moneybox please?

Lastly, please what other advise would you give a JJC like me with regards to getting on this hard-to-get-on ladder to heaven?


semmyk
Solumtoya
Lexusgs430
Zahra29

Unfortunately, you're 4 years out of the reach of LISA....... 😂

Just highlight inflow from other members, to proof collective contributions .........

Nah dere way o...... Lock that money in an account, very far from madam........ 😜😂

To invest on the financial markets, you need to have a long term view, your investment might rise or plummet.......😂😜

Just put funds in a savings account, your interest would be minimal, but you want to preserve your capital......

Have a look at the housing market, see ranges of prices, to gauge your financial commitments....... I would say, a cash reserve of about £25/£30K (depending on location), would put you in a much better position......

Bourne007:
Sí

You offered a Spanish lecture + answered the question........😁😜

😁😜😄

Emoji love ......😄

Viruses:
Just so you know, comparison is a thief of joy, if you have agreed on an amount that's less than the suggestions you see here, don't let it discourage you. That is why I personally try not to know the salaries of my colleagues 😅. It has it's advantages and disadvantages.

Which is why I asked my second question....... I bet she already low balled herself......

Obierika:
It's allowed

His Bible does not teach him 1 Corinthians 7 ........😜🤣

I truly pity those listening to his sermons.......😁

LORETA:
Full time.24 7.yes eat in the house

I think £1500/£1600 per month, is a fair wage. Considering loads of other factors......


What figure have you accepted.......

Online pastor with 2 wives........🤣😂

LORETA:
Pls house, Good morning...how much should I take as a live in carer for 4 children..its not a recruitment agency work.just an inhouse work.
I dont want to be cheated and the same time I dont want to over paid.
Pls Your candid advice....I need to give them reply...because I am already there doing the job

How many hour's are you expected to work + weekends + are you housed and feed etc etc .......

No safe place for terrorists ........ Only in Nigeria, we provide safe haven for terrorists..........

wonlasewonimi:
Things have really changed since then. I knew people that resumed work on their way from the airport with ori olori. Some people only needed to present provisional DL to start work. You don't need to show anything to rent a room. All you need is to go cornershop and you see room ads on their windows. For you to work full timeas a student then, once you renew your visa, it wouldnt show you as a student anymore and you can pay any school in peckham like £150 to further renew. These days everywhere na share code or whatever it is called for everything you want to do.
Anyone coming in now without proper prearation is bound to go through hell cos it's tougher.

Hence people should be more prepared, NEVER hang your UK survival on miracles, prayers, vigil, fasting, friends, family, enemies, village people, GFM, wing or hope ........ 😂😜

CowbellY:
Yes but as Nigerian Citizens they are able to apply for an ETC to travel to Nigeria

You seem to be missing the point....... The children in question, are presently British citizens, born in the UK.....

So your classification of them been Nigerian citizens, is a little bit premature, because they don't have Nigerian passports, they presently only have British passports.,.....

Do you now understand the dynamics........

So government should steal it again..........😭😂

solmusdesigns:


Can't they learn from Jagaban

After Office stay off Politics for a while


.

They have nothing else to offer ........ Political industry, is the only source of income they know .......

Jlaw1:
Dear @Lexusgs40,

Please, kindly allow me jump in here.

With all due respect, don't you think it's a little hypocritical of you to criticize people like the 20 year-old in the story?

You have written here countless times, how you came to the UK to study with virtually no money in your pockets/account and no perfect plan to boot. You took the risk, but it paid off. Now, you turn around years later to mock a young girl who is stranded in her third & FINAL year due to tuition fee payment.

I think it's double standards in my opinion.

Now, I understand that I have used very strong words (because you are one of the few persons here that deserves some respect), but I also believe that I have chosen my words very carefully.

Now to strike a balance, I do realize that MANY Nigerians in the last 3 years or so, have been utterly reckless in their relocation/immigration plans to the UK. BUT I also realize that there are also many who actually planned well, but got into trouble due to unforeseen circumstances e.g Form A delays, forex scarcity, Naira devaluation, abrupt change in personal circumstances etc.

What I will say to everyone (including myself) is that before one gives general or blanket criticisms/condemnation, one should reflect on one's personal life, and be grateful for the progress made.

Personally, I am happy about the immense growth that I have experienced as a teacher here in the UK. This humbles me greatly, because I am 100% sure that I am NOT in any way better than others who have not made the same strides as I have done.

PS: Now, to the reader somewhere in Nigeria, let me say CLEARLY that I am in total agreement with Lexusgs40 about the importance of planning well financially, before embarking on the immigration journey to the UK. It would be extremely irresponsible not to do so. HOWEVER, I will also point out that it is also worth taking calculated risks (after doing your homework and proper planning). Do NOT wait until the "perfect" time to immigrate, if you really dream to do so. There will NEVER be a perfect time.

Let me end with this abridged quote:

"The credit belongs to the person who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself/herself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he/she fails, at least fails while daring greatly, so that his/her place shall never be with those cold and timid souls who know neither victory nor defeat."

I humbly respect your opinion and maturity in response.......

Truly, I landed Heathrow airport with only one £5 bill in my breast pocket........ But, I never relied on anyone to save and bail me out of tight spots.....

I grafted, I suffered & slaved away all through ........ I knew the difficulties I was going to face and was fully prepared....... Tough times never last, but tough people do ......

I am sorry if you saw my responses as mocking one's condition, but I try not to take life too seriously....... A bit of humour, helps navigate challenging situations.......

Thank you......

EJIOGBENIMI:
When I got a car last year, I was introduced to a Nigerian man who is into helping people get cars insurance at cheaper rates. I didn’t eventually subscribe to his offer because I felt it was too good to be true. It’s about 1k £ per annum cheaper.
I just added another car and I’m looking for the cheapest deal out there. I’m just wondering if insuring through these folks has any serious consequences. I have full uk license and I haven’t had any claim since I came in.

Cheap things, usually later become very expensive.....😂🤣

CowbellY:
They got birthright citizenship na. Lol

Very true...... So how can they travel to Nigeria, since they only got a BP....... And no time to apply for their NP .........😂🤣

Not blood pressure or No problem........😜😂🤣

Wait till you see videos of how bicycle riders, got priority over motor vehicles .........

If you want to ride and live, ride in Holland........😜😂

adekzy:
Please how can I setup an ISA. I have some £5k sitting idle in my Lloyds and Halifax savings account. Also which High Yield Savings account can you recommend.

Thank you.

Open a trading 212 account...... Then select ISA.......(we both receive a slice of fractional share)....…..

https://www.trading212.com/invite/11S0uSxTBi

OR

Buy treasury bills ...........

Story story o..... Another story o.........😂🤣😜

oluwaleokey:
Oga Boss many thanks for the tip off
Appreciate
Do you think this same routine is applicable when taking him to the same airport for departure? He would stay for less than two weeks and would take to the airport
Thanks for the tip boss

I would answer, based on what I think you're trying to ask ........

If you're dropping off at the terminal only, and not entering the car park..... You would still pay a £5 drop off fee (it's ANPR controlled), so don't forget to pay on-line.....

Don't park your car outside the terminal and walk into the airport (your vehicle would be towed away)......😂

If your vehicle is towed away, expect a release fee of almost £300.00...........😭🤣😜

Let's assume he was high on kolos, would CAF give our win to cameroon........😂😜

Let's see what bola would now say........ He cannot fix nigeria, but thinks he can fix ecowas.......😜😂

MrProlific95:
Good riddance, Military rule is an enzyme to looting and corruption

And the type of democracy we practice in Africa, leads to prosperity or poverty, to majority of its citizens........ 😅🤣

Dey play....... 😄

Thewritingnerd:
God knows if na wetin God give me power to do, I go do am. I won’t be like people like you who go about mocking young adults about their unfortunate circumstances in a country we’re all immigrants in.

Did you see me in your dream or you woke up on the wrong side ...........😂😜

We're heading towards a nationwide ban ......... Lagos leads .......... Others follow.........😁😜

I really pity those that manufacture + holders of plenty stock levels ..........

Let's await Bola Tinubu's response/reaction........😁😜😂🤔

ClassicMan202:
Yes

Turn off your network, use device for non network services, for relatively equal usage.......


This would test if your issue is network related (excessive mast connection).......

obasidan:
I applied for a tourist short stay visa to the Netherlands.
I'd already booked my flight to and fro, attached my company documents, my medical license, employment letter, proof of fund, medical insurance, hotel bookings and purpose of visit. Yet i was denied visa.
Please what do i do next.

My flight was booked via Royal air maroc. Someone suggested i get a morrocan transit visa but i don't understand how that can help me. Please kindly advise me.

With regards the visa rejection, you cannot do anything about that.......

You next battle is with airline, did you buy a refundable ticket or non refundable.........

I can go to Holland on your behalf, we can have a zoom call (whilst I am in Holland)..........😁🤔😂

AgentXxx:
Thank you Oga mi, I enjoy am wella

At times I wonder why people still patronise the competition......... 😜😳💵

oluwaleokey:
Abeg elders which kind UK life be this...
Make person no go loose him sanity...
Got two different tickets for wrong parking and also another ticket for parking in my own residence car park o (funny enough I have been parking freely there for over 6 months)
When contested & enquired for the ticket issued, they referred me to my landlord whom in returned claimed its not included in the contract. (I quickly checked and truly car parking was not mentioned and I feel this was deliberate).

Massive compound and I can't even park
Nawa ooh

Please elders for the outside parking... is there any app that guides one where to park freely or paid? Just like waze for satnav...any for parking?
I don tire for ticket... this London no get joy

I plan to drive to Heathrow to pick up a friend on monday but now I am scared coz of locating the right place to park.

Abi make i sale off the car and gain back my sanity
The money way person dey manage, dem come dey collect
It's really disheartening
Please your inputs will be helpful
Thanks guys

- First and foremost, get the right terminal, LHR got 5 terminals..........
- Don't rush into the car park, look for the Macdonalds on Bath Rd, park on the side street, stay inside your vehicle, or you might get another ticket.........
- Track flight on Heathrow arrivals website, don't go into terminal until 60 minutes after the flight touches down (or tell your friend to inform you when he/she is headed out through customs.......
- Or pay £5, and pick your friend up at the departure lounge drop off point........

https://www.heathrow.com/arrivals

How can rishi explain this........ 😜

ClassicMan202:
Why does my pixel 6a get too hot during mild usage 😭

Is your device updated to latest OS/patch....