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Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 6:53pm On Jan 14, 2023 |
Thanks for the insight. From your experience, how does a BCS-certified get started with jobs? There are limited/no roles that do not request experience. Even the junior BA roles are experience-based. Would appreciate your thoughts and pointers. Goke7: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 4:23pm On Jan 10, 2023 |
Does it make any difference if the IPTV subscribers have TV licence? Davidonkonsults: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 9:34am On Jan 10, 2023 |
I'm graciously planning towards this once I settle down well. Walk out in winter, return to enjoy summer, autumn and anything else. The winter comes with a lot - bad weather, bills and breakdowns. Blackdove: 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 3:44pm On Jan 02, 2023 |
Thanks for your insight. Good way to start the ride to getting a Lexus, innit? Lexusgs430: 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 3:29am On Jan 02, 2023 |
Happy New Year, Fellow Nigerians Biko, how can one conduct a thorough professional inspection on a used car in this UK either from an dealer or private owner (all seen via Auto trader)? Does one just take the words/warranty of the sellers for it OR does one have to go with a mechanic/technician? The latter is what I'd do or did in Nigeria and it turned out fine? Please advise. Thanks |
Travel / Re: Diary Of A Nigerian Immigrant To The UK by lightnlife: 10:11pm On Dec 28, 2022 |
Savings Modified I started work in August and I've been saving between *** ppmonthly. This is after bills, expensives and give aways. I'm not pushing myself on savings as I'm still on a low-paying job. Just enjoying my life, outings, shopping and fun. It can only get better. Goodluck to anyone fighting faceless people for living their lives in the UK or any other country. Na part of that jealousy and bad belle no make Nigeria dey grow fast. Again, there are no perfect systems but UK better pass Nigeria socio-economically. No debate! Spanishmilf: 11 Likes |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 9:42pm On Dec 28, 2022 |
Any particular concerns for hybrids? Viruses: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 9:38pm On Dec 28, 2022 |
I'll try and break it down. 1. Withdraw dollar from your USD account in Nigeria. 2. Enter a bureau de change (Aboki) shop. Tell him you want to change Dollar to Naira. You should check online to be sure of the current exchange rate, so you can get a fair rate. 3. Aboki will pay the equivalent Naira of the Dollar you're giving him to your Nigerian Naira account. Confirm the payment on your mobile app before you leave Aboki. 4. Let the money be resting in your Nigerian Naira account then carry your bag dey come UK. 5. When you reach UK, open a Lemonade account. They'll give you a Pound and Naira account for free on the Lemonade app. 6. Now transfer the resting Naira from your Nigerian account to the new Lemonade Naira account. 7. On Lemonade app, there's an option to convert that Naira you've just transferred to Pound. Now you've converted your Naira to Pounds. It sounds like a long process, but it easy. topellycategory: 3 Likes 1 Share |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 12:26pm On Dec 28, 2022 |
Your best bet is to convert your USD to Naira in Nigeria, save it in your Naira account then when you arrive in the UK you can convert your Naira (Lemonade, Sendwave) to GBP. Another option: When you come, you can withdraw GBP at the ATM with your USD debit card. Put into consideration the exchange rate and transaction fee. Wise discontinued its card and inflow services to Nigeria. Nigerian banks aren't approving USD to GBP transactions on Sendwave. If you already have a GBP account, you can do direct bank conversions and transfers to a GBP account over the counter. In all you do, don't bring raw USD to the UK. The exchange isn't usually good. Kenn55: JaySterling: 2 Likes 1 Share |
Travel / Re: Diary Of A Nigerian Immigrant To The UK by lightnlife: 1:38pm On Dec 26, 2022 |
Taxes: I'm on a PAYE, so my employer deducts the tax and pays to HMRC directly. Being new in the country, I have an income allowance for this tax year. I've not started paying tax but I've been doing National Insurance and Pension contributions. With the cost of living crisis, my company is giving us some extra money called 'cost of living benefit' + the government is giving every household 400 pounds as energy support over six months. These are cushioning mechanisms for the crisis. One isn't bothered about the taxes, as you can vividly see their impact in social amenities. Because many Nigerians are not used to the idea of paying tax, they shudder at thought of paying up to 20 percent of one's income as taxes. Well, it is part of why Nigeria isn't working. Our tax base is so low. People want everything free, without any commitment. Someone told me that taxes in New Zealand and Australia are even higher than the UK. Prof Osinbajo once said Nigerians must be willing to pay tax if they want better social services. Many booed him not knowing he's simply saying the hard truth. I'm good with paying tax and seeing its uses than having so much money without being taxed amidst social disorder. Spanishmilf: 6 Likes |
Travel / Re: Diary Of A Nigerian Immigrant To The UK by lightnlife: 7:00pm On Dec 25, 2022 |
Life: so far, so good...Thanks to God. Your question just made me count my fingers to ascertain how long I've been here ooo It's almost 7 months ooo. How time flies! As earlier mentioned, the UK currently has a shortage of workers. This means, there are more jobs than willing and qualified personnel. So, if one has the right skills, experience and packaging, one can be sure of clinching any job one wants. For those working, the culture is simple; work hard, play hard. I've seen many Nigerians complaining about the stressful work culture here and one thing it points out is the lack of a strict work culture a lot of Nigerians had/have back home. Here, when you're at work, you are AT WORK. No downtime and no off time unless you are scheduled for it because na computer dey balance your timing, and due to the staff shortage there is always a need to do more within the shortest time possible. I'd same say there's something for everyone. It just might take time, which is a normal thing any/everywhere. For instance, I'm still on probation at my workplace, but I've been given a promotion to another department ahead of passing my probation. If you do well, you'll gain the results. I've won a couple of rewards for literally just doing my job without knowing that those metrics would count for rewards. One of my senior colleagues recently nominated me for a Staff Award. I like the work culture and company I work in. It's not uncommon to see employees that have been around for 15 - 30 years in my company. They link consistency. The average brit doesn't ask for too much - basics, equity and a good environment. The quest to amass wealth isn't as pervasive as you have in Nigeria. The system is structured to support at whatever social cadre you are. Similarly, there are those who are rollers. They change job every year. One guy just left this week after nine months. He said he doesn't like the job. I say no be your fault, na because you know say you go see another one fast or government go dey pay you unemployed benefit. Again, it is not the best/perfect system but it is better than Nigeria. Spanishmilf: 5 Likes 1 Share |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 2:29pm On Dec 25, 2022 |
Huh! I still get like N1,850 for this UK ooo. Guess I'll keep it for achieve purposes. Up Meffy |
Travel / Re: Diary Of A Nigerian Immigrant To The UK by lightnlife: 11:22am On Dec 25, 2022 |
Merry Christmas, ladies and gentlemen. May the purpose of Christ's birth be constantly reflected in you. 1 Like |
Religion / Re: Christmas: Is 25 December Truly Jesus' Birthday? by lightnlife: 11:20am On Dec 25, 2022 |
If any of you is truly willing to learn the logic around Christianity, feel free to ask your questions with an open mind. It appears you've been exposed to fundamental lies and half-truths about Christianity all along. triplechoice, fman, AntiChristian All I've done here is to explain 25 Dec in its most logical way. |
Family / What Is Your Favourite Christmas Song? by lightnlife: 8:17am On Dec 25, 2022 |
It's Christmas! Well, my favourite Christmas song is 'O Holy Night'. I've recently lover Mariah Carey's version: https://www.youtube.com/watch?v=BEJmP8T07JU What's yours? Merry Christmas |
Religion / Christmas: Is 25 December Truly Jesus' Birthday? by lightnlife: 7:56am On Dec 25, 2022 |
YES! There is no biblical account or clear historical data of the exact date or time that King Jesus was born. So, why do Christians celebrate his birthday every 25th of December, you ask? First, it's my utmost believe that a date or thing is whatever you (humans) decide it is or will be. For instance, every year the world marks/celebrates 8th of March as International Women's Day and 19th of November as International Men's Day. Does that mean that's the exact day all women and men were born? Correct answer! It's same way we know the 25th of December isn't Jesus' birthday but we decide to mark it as his birthday. Romans 14:1-12 In fact, based on history, Jesus' birthday (Christmas) used to be celebrated on the 6th of January. The general idea around choosing a date for the celebration is premised on the seasonal pattern and activities that during his birth as foretold and witnessed with many accounts confirming same in the bible. If you've asked a really old person for their age, most won't be able to tell you the exact date but they would be able to relate it to certain seasons, times and events, giving you a clue to the timeline. Same applies to the dateline of Jesus'birthday. December 25 isn't the actual date but we choose this date to recognise his birth because he commenced the physical confirmation of God's eternal deliverance for humanity. So, we rejoice with deep understanding and assurance that our redeemer was born that we might die no more. GLORY!!! Today, don't just think of Jesus as a baby, he is your Saviour. He brings PEACE, PURITY, POWER, PERMANENCY. Merry Christmas Cc HumbledbYGrace Seun Lalatisca lalalista 1 Like |
Travel / Re: Diary Of A Nigerian Immigrant To The UK by lightnlife: 11:25pm On Dec 24, 2022 |
Glad you love the experience. Should find time to share some this holiday. Zealoy: |
Travel / Re: Diary Of A Nigerian Immigrant To The UK by lightnlife: 11:24pm On Dec 24, 2022 |
For better responses, post your comments/questions here: https://www.nairaland.com/6969367/general-uk-visa-enquiries-part AND https://www.nairaland.com/6719932/living-uk-life-immigrant-part-2/776#up yomisley: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 12:35am On Dec 23, 2022 |
It depends on the long term UK goal of the person in question. A friend of mine who's less than a year in the country has a score 860 (out of 1k) on Experian. She has no credit card neither used any credit service. I've persuaded her to get a credit card but she's not interested. She only pays her bills and reported and rent. In fact, she didn't know of credit reporting or score until I showed, however the score was adding up because she was meeting her financial obligations. She says she's not interested in getting a mortgage or any credit facility in the UK as she wants to relocate after getting ILR or Citizenship. So, living one's normal life can improve the score and ratings, perhaps at a slow pace. But without credit history, loan credibility might be low when one is hunting for a deal. Again, it depends on the long term UK goal. eniola1010: 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 12:03am On Dec 23, 2022 |
Netflix woke up this morning to realise I'm in the UK, so they migrated my Naija account to the UK and requested that I pay about £11 for my monthly subscription. Something that I was paying N2,900 for in Naija. Abeg, does anyone know a good Naija VPN to use on PC and mobile? Can't afford paying 11 pound (Almost 10k) when I can pay about 3k Naira for the same service. After all, I'm still a Nigerian. 4 Likes |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 10:54pm On Dec 16, 2022 |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 10:52pm On Dec 16, 2022 |
Nope. Wise stopped accepting Nigerian cards or sending money to Nigerian accounts. Iamfavored: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 10:42pm On Dec 16, 2022 |
Thanks for snapping me off the confusion. You're correct. IPT is paid by the insurance company while benefit in kind tax is what employees pay for their PMI. With that point clarified, my question was understanding the rationale behind taxing employees on their company PMI because companies brandish PMI as part of benefits only for the employees to be taxed on it again. Sounds like greek gift. Will appreciate your insight. Peerielass: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 11:31pm On Dec 13, 2022 |
Has anyone had some thoughts about this? Employer gives you Health Insurance benefit (FREE) but the employee still pays PMI tax (IPT) of 12%. Sounds like a greek gift. My initial thought is why tax for PMI if you're already contributing to the NI scheme and have access to the NHS. Most times the claim process for these PMI are tiring. |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 2:47pm On Dec 11, 2022 |
Interesting. Just to confirm: was the £800 inclusive of the exam registration fee? As a broke UK JJC, I run from all these UK tutors oo. I feel their rates are too high. I've done two related exams since I came in and here's what I do. Buy courses on Udemy or Coursera (5-10k Naira), study them alongside other materials. Take multiple assessments, register for the exams, write and pass the exams. Where una dey see this money. mizGene: 3 Likes 1 Share |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 8:20am On Dec 10, 2022 |
Naughty girl. bigtt76: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 11:04pm On Dec 05, 2022 |
Thanks. Sadly, Sendwave and WorldRemit are only payment gateways. They don't have the facility to receive. Solumtoya: Thanks, Amara. My best bet is something around this route. I know I can receive into my Naija USD without much hassle. This UK condition tight. Amarathripple0: 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 2:14pm On Dec 05, 2022 |
Thanks, Chief consultant. japhethGold: 1 Like |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 4:42pm On Dec 04, 2022 |
Ha! I see you literally took my most useless opinion to heart. I can understand why sha - it's the obvious thinking from back home. Anyway, I wouldn't think that (tapping) is a possibility here. But if you think it is, you'd be better off calling an electrician or speaking with your landlady to arrange an electrician to assess the energy efficiency and components of the house. Won't be necessary for you to mention the possibility of tapping . Just tell them your plight about crazy unit consumption. Best wishes. MrMash: |
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by lightnlife: 4:37pm On Dec 04, 2022 |
That's correct. You'll be paid in pound (GBP) but charged in USD as on your card. If you're still in Nigeria, I'd advise you withdraw your USD, exchange it to Naira then use the Naira to buy pounds. Bring your pounds in cash from Nigeria. It's better than converting your USD to GBP over the ATM. You can always deposit the GBP to a bank account once you're here. [quote author=Phil46 post=118897181][/quote] Phil46 1 Like |
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