₦airaland Forum

Happy Independence Anniversary, fellow country-people .

Wise doesn't accept Nigerian cards.

Other alternatives;

1. Send by Flutterwave.

2. If you have email indemnity set up on your account, you can instruct them to do foreign transfers for you.

3. ATM withdrawal. Use a bank ATM to reduce the charges.

Closing Remark: Nigerians dey suffer in the global financial market. We're limited by payment solutions - no thanks to our weak economy and policies.

MrPADDY:
You can use TransferWise
https://www.nairaland.com/7281099/how-verify-wise-transferwise-account

Baba enter reverse ◀️ straight.

Apparently, the call isn't for financial advisory but information, hence you can't be liable for anyone's failure or otherwise.

It's presumed to be pretty much like what's obtainable in the Investment Section of NL with threads on Mutual Funds, Bond, Stocks, Tbills, Crypto.

But it's your call to make.

Lexusgs430:
Neither of us are financial advisers....... Due to the complexities and volatilities, in the investment sector/instruments...... Your portfolio could rise like a kite or fall like a deflated ballon.........

I don't want to be held responsible for misguided advises....... With my money, I can put my capital at risk, with your money, put your capital at risk ..........

Ehnehn!

Thanks.

hustla:
If your report came up on Transunion and Clearscore, why are you stressing yourself then? It will likely come up on the others too later

Experian for me is even a bit stressful with their very unappealing interface for Android phones

The Lloyds bank app via Transunion makes a lot of sense lowkey to check your credit score and it gives some added information thats not on Experian

..And I do think you will be granted the Amex CC

Oya come and use my referral link

https://americanexpress.com/en-gb/referral/oLUDooy1GA?XL=MNANS

Interesting.

Thanks. I'll consider all sides.

So you left your love - Honda for Mazda? No paid padi for jungle

HondaLover:
Be prepared to up your price and you might get lucky with insurance too, I payed 1200 for comprehensive on a mazda 6, insurance group 23 or so

Hiya! Trust the weekend has been restful.

I tried to check my credit score today but I was dazed not to see anything on Experian and CreditKarma (picture below).

Then, I checked on ClearScore and got a score of 422/1000 (see below).

Went over to TransUnion for my credit report and that came up pretty well.

My question is: why aren't Experian and CreditKarma displaying any data about my credit report/score?

I'm considering getting a credit card to build my scores and I see three offers (all from Aqua) on ClearScore (picture below). Should I go for any of the card offers or would I be considered for the zero fees AMEX credit card? Does the AMEX application and approval require a hard search on my credit history, and would it affect my report/score in the event of denial?

NB: I've only been in the country for 4 months.

Thanks!

Oga Lexusgs430, wonlasewonimi, ukay2

Please can we create a thread for UK investments, trading advise, stock picks and everything in-between?

Biko!

Lexusgs430:
Who bought $SAVA with me in December........

I am now £236.82 up .......... It took a few months..... But no UK bank would pay this interest......

On my SIPP, I am also £157.62 up ........


$SAVA don vex o .....


I feel like cashing out o .......

You can buy from registered bureau de change or regular aboki shop. Ensure it's a shop. No collect paper notes oo.

You can also change it inside the airport in Nigeria. Just walk around and you'll see exchange kiosks within the airport.

Thegamingorca:
Hmmmm how person wan take get hold of legit pounds sterling for this town boss.

Interesting insight.

Got the list of cars below under group 3, but I don't fancy manual tranny.

What do you advise?

Cc Lexusgs430

[quote author=HondaLover post=116891794][/quote]

Rest on, Queen mother.

Had a walk past the funeral viewing centre at my local park.

Yippee

It's a long weekend.

We've got bank holiday on Monday.

Thanks to Mama Charlie's demise.

Are you more Nigerian or patriotic than the Nigerians wey don travel?

datola:
The japa geng will not like this.

Nigeria is a great country!

This man no go kee person for NL.

That 5k third party insurance na pocket/life saver for Naija.

At this rate, it's best to get a UK licence than attempting to drive with a Naija licence.

Lexusgs430:
Best to always get an insurance quote, before a damn car is bought...........

Unfortunately, no ₦5K third party insurance for UK .......

Sportmen aren't salary earners.

Some businesses make over that per month.

They're not salary earners. The scope of the conversation is around salary pays.

Goodman247:
but most sport men esp footballers earn that and even.more than that weekly, some even collect 100k pounds weekly

Most billboards have been honouring the late Queen since Friday.

Adieu Mama Charlie.

There are a myraid of visa in the UK.

Many are, somewhat, stuck with study visa because they aren't exploring other visa options and public information.

There are over 20 work visa types aside other categories.

See the visa options here: https://www.gov.uk/browse/visas-immigration

Bobbyunitedfc:
Greetings..

What visa are you on?

What other visa options do people have aside schooling,because it seems most of the people going with school visa are just using it as a getaway card..

Yeah, it's small.

I'm not sure one can get a work visa with such pay grade.

20k is like minimum wage/band 3 and most companies don't sponsor for such range.

However, there are millions of Brits living off such salary if there are other household income.

Some families survive on a household income of 40-45k per annum. Again, it's dependent on their lifestyle, location and the dream they have. Meanwhile, some people have a household earning of 70-100k yet they still complain.

megastu:
I mean earning 20k pounds per annum is small for a family but many wont know until they get there.

50k isn't a bad deal for a start. And yes, it's above fair pay for a single person.

Often, relocation isn't just premised on money.

Most people are financially secured back home but choose to relocate for exploration, security and access to more opportunities.

So, you might as well ask yourself what's the motivation for relocating? That will help you analyse and personalise your quest for relocation.

Most medical people that migrated to the UK on skilled visa started out with an offer of 25K. And they're doing well.

Depending on the industry you work, 50k might be low based on your experience and expertise. But it's all left to you to determine what works fine for you in terms of your current earning and your aspirations.

Best!

lowander:
Hello All, please I need clarification on something. I recently got a job in the Uk with salary of £50,000.

Below are my questions:
I) is the salary above fair enough for a single guy
Ii) How easy is it to get side jobs outside the one on my work visa?

Queen Elizabeth II don kick bucket...God rest her soul.

I saw the news of her unstable medical condition on Sky News this afternoon. The thought of her death came to my mind but I didn't want to voice it in public.

At 96, I knew she had little chances of surviving after reading that she was on medical observation.

God rest her soul.

I hope they'll declare week of morning and holiday oooo. I need a long holiday

God rest the Queen's soul.

It's what it is; humans will always survive despite challenges.

Yes, Cost is rising without commensurate increase in income. But people are still saving, and living well.

One thing about developed economies is that people are able to afford the basics once they have a job. If they dream of a better livelihood, there are also opportunities. This isn't the case in developing or underdeveloped world.

If you have the opportunity of legally migrating to a developed world, I'd advise you do it. Your fears and doubts about surviving will be drowned within few months.

rofemiguwa:
Thank you for explaining. I know the highest I have seen is 150k pounds and its rare. Most are between 22-55kpounds annually.

Hope rising cost of living is not biting hard!!.

Can u talk on survival tips. Welldone for the good worj

Thanks for dropping by.

All mentioned rates are annualised.

Actually, £45,000 isn't small money. One will live well above the average standard.

The minimum wage is £9.50 per hour. If you work 2000 hours per year (40 hours per week), that'll be £9.50 X 2000 = 19000. The monthly would be around £1500 before tax.

The average salary (annual) is 38k.

So anyone earning 45k isn't a small boy.

Per 150k jobs. I only know of high politicians earning such. Others who earn close/around/above this would be consultants (specialists in any industry) that are not locked down to a single company, and mid & high level entrepreneurs.

I think you're analysing the salary from a Nigerian perspective. You should be looking at the cost of living and purchasing power of the currencies involved.

People live on a monthly budget of £700, 900 or 1000 depending on their lifestyle and location.

You only decide and work towards the life/earnings you want.

Quite sure these seniors can provide more insight: dupyshoo, phyl123, TheGuyFromHR, SammyK, Goke7, Amarathripple0, Lexusgs430

rofemiguwa:
Weldone ma. I enjoyed your thread. Please do you mean 45k per annum or per month.

I will really like to know jobs that pay close to 600k pounds yearly because All jobs salary range I see in the UK. I have not seen anyone except 150k pounds per annum.

So I am dazed.

Can you mention possible roles that pay that much. U can mention vaguely maybe mention industries that have high paying salaries

Thank you

I don't get.

What do you mean, bro/sis?

megastu:
That is the problem many of us are having. That 20k will actually go nowhere.

Hiya!

I'm not sure all those personal details would matter in your choice of career, job, pay and all.

Roles and earnings are dependent on several factors, primarily, experience, skills, industry and negotiation prowess.

No two persons have exact portfolio and experience in life, hence, there's no one size fit all model for these things.

My previous diary entries have answered of the questions, though.

Interestingly, I've not attempted to convert my current salary to Naira, as you've done. I guess you'll finish the reason not to as well.

Best!

EngrKemp:
Ok thanks..
But u seem choosy with your response hence the skip about your course of study, the higher institution u attended, if a uni or a poly...
At 45k£ a month,u are talking about 36m naira a month, after tax , u may be having about 20 k naira a month....A good Start.

Gladly help us v a pip into ur foundation.
As u can rightly deduce, I already love ur impetus..
I'm certain u will get there...

I'm waiting...
- Ur course of Study****
-Ur institution (federal or state or a private uni or a poly)

Your previous role and job in Nigeria..


Cheerrs

The major roles I applied to at inception were between £32K to £45k per annum. But I didn't secure any of them. I'd attribute that to lack of in-country experience.

Then I downgraded to openings between 22k and 25k.

Most of the regular ones that reached out had an average of £19K -21K.

You can check Indeed and LinkedIn for salary ranges.

EngrKemp:
Pls state the salaries of the offers u were getting.
Atleast the amount they pay per hour.
State for all the different jobs u were going for.
Thanks

N/B
Op..
Kindly state the courses u did u higher institution...
Was the school a university or a polytechnic?
Pls what job roles v u held before?
Which firms?

You're uncouth and myopic.

That's such a distasteful thing to say about someone's meal.

You're best being silent than saying trash but you've just revealed your depth of social nonsense.

imran90:
What kind of food combinations be this...it looks like a sacrifice

Ridiculously shameful.

Her crassness and crudity is another level.

Was hopeful the son abi na the husband wey come down would have a better approach but

kode12:
Isn't this just ridiculous?


https://www.youtube.com/watch?v=XW19QbwfYGY

Oyinbo small small food no dey belleful me sometimes ooo.

DO NIGERIANS SPEAK ENGLISH?

Hello, trust you've been well.

As you already know, I've started a fairly decent job here.

Like every other job, communication would be important but I've been inundated with queries about my country of origin. As expected, I say Nigeria and most people go "really, you're from Nigeria? You speak so well."

I'm often turned off by that reaction but I take such moments to educate them that Nigeria is an English-speaking country with millions of fantastic speakers. English is perhaps the first language of some Nigerians.

The one that got to me quite well was when someone asked how Nigeria is an English-speaking country and I told him because Britian colonalised Nigeria. Guy genuinely said he didn't know Britian colonalised Nigeria (or any country). I guess they don't teach colonial history in UK basic education curriculum.

My partner has experienced this as well several times.

Maybe Oyinbo think say we be cave men.

Anyway, the weekend is here. I just wanna sleep and be pampered.

Have a lovely weekend, guys.

You can do TB test at IOM Lagos or Abuja. Check Google for their details.

If you have the regular Nigerian driving license, there's no need to get an international license.

Both regular and international license are only valid for use for one year from the date of your arrival in the UK.

TPLTD:
Hello everyone,

Please anyone with an idea of how to go about the TB test and International drivers license

This is spot on. You took it out of my mouth.

It might also be worth highlighting that skills demand and supply, government policies and enabling environment influence migration.

For instance, the degree of market-ready talent pool in India isn't the same with Nigeria be it in Tech or Medicine. The Nigerian government and its agencies are constantly making emigration of skilled professionals more difficult; this is somewhat speaks to the culture of butter competition amongst Nigeria.

Solumtoya, it might be more helpful to disaggregate the data by population percentage as the countries have varying poluation size.

Kannyman:
The proportion of change in percentage is quite massive for Nigeria. While Indian doubled, Nigeria actually tripped and this is because

1. Indians are more pro business and have ability to reference themselves more than anyone else.

2. The population of Indian massive and what has left is infinitesimal within numbers outlook

3. The awareness of this route is becoming more in Nigeria whereas Indian has syndicated organisations running migration schemes...

4. We are too independent and competitive minded in Nigeria.

5. Africa is also less favoured. Within the scheme of scale, Africa comes last IMO

The news is disturbing.

Would it make any difference for prepaid electricity users with already loaded units that can last till year end?

Lexusgs430:
After enjoying my wimpy burger, a thought crossed my mind ..........

UK residents, I hope you're all aware your energy bills (gas & electricity)...... Would be going up by 85% in sept/oct.........

Your energy bills are going up to £4500.00 per annum.......

What are your coping mechanisms, assuming the government does nothing in way of support........