₦airaland Forum

Lexusgs430:
His visa would be curtailed, once all is said and done ...........

You have proof ?....? Traditional wedding is not a legal union... ......

IjJudy:
I was thinking last week of May, but with this whole confusion about not being able to come back in when passport is about to expire has paused the trip....if anyone can assure me I will get my passport in a month or 6 weeks time, then I plan towards end of June

Alexia20:
I am not referring to a particular individual but to the particular skilled occupation that took you to UK eg if nursing as profession is taken off from the shortage occupation list ,what will be the fate of the other nurses that are currently on the visa that are yet to get attain ILR visa.

Adapapaokoye:
Goodevening everyone
Please I am confused and need guidance
I want to open a Junior ISA and I am stucked inbetween going to my bank Natwest or opening with Nutmeg

My baby already has his account linked to mine because of his age
Should I leave the money in his account or open a junior ISA for him?

If I decide to go for Nutmeg
Which investment style to use?
I was given the option of
*fully managed
*Smart Alpa
*Socially responsible
*fixed allocation

What is the best option?
Thanks

specialenvoy:
When I try to get a quote, they do ask for a vehicle registration number which I don't have at the moment, how do I fill in these details to get an idea of the monthly insurance before buying the car

Ticha:
Pension and wealth planning for the future - very long read.

We have a Global Vanguard All Shares account (the name has changed over the years) - managed by Henderson Securities. We've had it jointly for more than 12 years (husbot for much longer) and have dipped into it sometimes (mainly to pay for IVF). We haven't touched it for years now and the funds have grown exponentially. If we continue paying into it consistently, we should have about £600k worth of shares (yay compound interest) by the time I'm 55 and husbot is 52. To give an idea, we've always paid a minimum of £150 each monthly into it since 2010. Henderson does the investing and taxes on our behalf. We haven't bothered to check what they invest it in, but we picked an aggressive growth fund for a long time and that really paid off (hence using the profits for IVF). Now it's in a mid-range growth fund and will remain there. We have upped our monthly minimum payments to £250 each a month now because we can afford to do so. The SOA comes every March, but we don’t check it or even look at it beyond seeing how much is there when the SOA comes.

The move to New Zealand has been the best thing for us financially. I have no employer loyalty. No one goes into education to make money as the pay is poor compared to the level of work and qualifications involved. I often jump ship every 2 years because that's the only way I can increase my wages. Wages in education are much higher in NZ than in the UK which is weird (5m v 67m) but good for me!
Anyhow, when we moved to NZ, we took opportunity of the higher wages and saved and saved and saved but buying a house seemed out of our reach. Then we met another couple who seemed to have the same values as us (family, financial, moral you name it). We pooled our resources and we bought a house in our name (we bought first because we had higher incomes and better credit). With property values going crazy, we within 6 months refinanced that property and gifted the cash to this family (basically paid them back their initial contribution and extra) so they bought one too in their name. They then refinanced and gifted us the cash and we bought another in our names.
Because we want to exponentially grow the money, we are demolishing the first house to build 5 new ones and then leverage that to give them enough to buy a 2nd property for themselves. They can choose to develop or hold or sell but we will have both walked away with 2 initial properties each.

Shareswise - we've now opened targeted growth fund accounts for the children with Lansdown Hargreaves. We pay £100 a month into each child's account. They will get full access at 18. Hopefully, they can use that to pay uni fees, supplement apprenticeship wages, down payment on a house or even go traveling before uni/ work starts.

We have also created a family trust. I look at the truly wealthy and what they have for going for them is generational wealth and good financial planning. In my family, I'm the first to be in a position to actually start building generational wealth. The trust will hopefully go on forever as it's for the direct progeny of my husbot and his siblings (both his siblings have no children and want none) and me and my siblings so it means my nephews and nieces will get payments annually out of it once they hit 21 but their parents can’t access any of the funds. We've currently set it so it can only be dissolved by a court and no beneficiaries can sell assets out of it including us once the asset has been placed in it.

2 reasons we have done this – divorce/ separation for us or our children. Even though we all hope to remain married till death, the truth is that divorce and remarriage happens. The trust is set up to protect the financial interests of all beneficiaries. If either of us divorces, we will continue to be paid out of it. Should any of us re-marry, the spouse will not be able to access any funds from the trust. Same with the children. Stats also show that first generation immigrants usually create the biggest wealth and subsequent generations waste the accumulated wealth. It is very likely that our children will not have the kind of drive we have because they have been born into or have lived in plenty enough to be happy with state handouts in the future. Therefore, they might actually see us as a burden as we grow older and infirm.

So hopefully at retirement, the trust can top up our pension but also ensure we remain at home till end of life and not be a burden on the children.

This is not financial advice. Just sharing what we have done.

LagosismyHome:
No I haven't tried other Africans but this same agencies used to provide nanny from Caribbean. Two of my friends had from there and it was good. I also got one which was a live out from Caribbean, much better than naija

Transactional is usually the best but with naija naija ,after sometimes the lines must blur and you see the nanny using style to get a way with doing whatever . So sometimes I pick my battles what I can't absolutely take i check it, other things I just smh and remove my eyes

Google gen122

Mamatukwas:
I checked the route for myself but residents of the UK do not qualify. You qualify if you are coming in to the UK and going within 12 months max I think so I dumped that idea.

I tried applying for my cousin to come visit, but they bounced her. I think we didn’t prove enough ties to Nigeria. A few friends who are sourcing are planing to use the domestic worker route on a family members visiting visa, then the person will stay back. I think it’s quite risky but….

Edited to say: if you’re not in a remote part of the UK, you should be able to source local.

LagosismyHome:
I have always had ...... needs patience sha dealing with Nigerian. Initially when I had my kids the agency had a lot of European so I started with having Romania. The two I had for about 4 years were brilliant , so gentle with kids and very hardworking. When I come home the house is spotless ...dont know how considering it was twins toddlers but they took their work very seriously. Then came brexit and they don't come again. The agency I use now has mostly naija motherhelp. The difference is 7up. Naija want to do very minimal job but collect full money with full chest ... it takes a lot of patience and you having to do a lot more when its a Nigerian worker but na so we see am. The one i have now takes 2 hours to eat breakfast, another 2 hours to eat lunch and then dinner, someone who suppose to be working....

I can give you the agency I use via pm. I am no way affiliate to them. I just have used them .

lightnlife:
Good morning, elders.

Can I drive in the UK with my regular Nigerian driver's licence?

Gov.uk (attached) states I can use my country license for 12 months. But words on the street say one must have a Nigerian International license NOT the standard license to drive in UK.

Biko, which is the case here?

omopapa:
E be like sey Moneybox wan scam me o. Paid £4K in March with the hope of getting the £1k bonus for the last tax year on my LISA acct. New tax year don start them never credit the £1k na £0.96 I dey see abi when are they meant to?

Bluetherapy:
Any recommendations for tested and trusted ergonomic office chairs?

omopapa:
When you study in uk u wouldn’t need to proof u can speak English anymore ur degree certificate will be enough

omopapa:
It’s a flat and there’s no renovation needed at least from the pictures. Also I knw a friend that lives in same block and it looks ok to me

Hila12:
I greet the house...

Please I'm about to process CBN form A for school fee payment. I hear some banks are faster/slower than others in remitting funds to the university abroad. From experience, what banks remit without so much delay?

I really appreciate the advice, as I want to get my funds paid without too much delays.

jumpshot:
Hello everyone. So my friend is a nurse and has gotten COS from a UK hospital trust already. Now the issue is she went for TB test at IOM centre in Ikeja but was asked to do sputum test because she's had TB some years ago. But then her resumption date is meant to be April and sputum test takes 2 months. Considering the chaos going on with the government and immigration of nurses to UK this is an opportunity she really does not want to miss.

Please is there a way to speed this process up or fast track it so that she can make the cut by April ending? She's so so frustrated

Lexusgs430:
Left or Right cheek. .........

Lexusgs430:
She does not earn, she is simply a freeloader, living her life at the expense of British taxpayers........

She CANNOT bring him over applying for a spousal visa, because she needs to be in active employment, earning £18,600 per annum (not sure if figure is still the same). ......

She can change her name, if she wants..... The person, remains the same, so does contents of her documentations........

She needs payslip of 6 months, bank statements etc etc

KEYWORD : SPONSOR NEEDS TO BE IN ACTIVE EMPLOYMENT..........

I think I deserve a slap...... Biko, where Bianca or Will .......

dustydee:
During my time, it used to be 3yrs first and then additional 2 yrs extension. My employer paid for both applications but required me to sign a bond that I will refund if I left within a certain number of months. I had to pay my IHS during renewal. My spouse on the other hand had everything paid including IHS and even ILR by the employer. Now I think you can get up to 5years but if you leave, you will have to apply for a new visa and pay new fees but I think your IHS will still be valid. The new employer should ideally pay for it.

TheGuyFromHR:
Why do you see any danger therein?
Even if a company offers you 5 years, it's still the same thing in terms of "security" - they could still withdraw their sponsorship at any time (job loss). One could argue that the longer the offer, the more valuable the company deems the new sponsee and the less likely they will be to terminate them, which may apply in theory, but lessens the insecurity of an employer-dependent visa not at all.

Bottom line: take it. Remember you can still switch jobs at any time and the fact that you have secured employment, and sponsored employment at that, usually makes you more attractive to other employers than otherwise, all other factors being equal.

tshoboy:
For a long time now. It usually comes with T2 BRP and some other categories too. Doesn’t come with T4 BRP.

Oggg:
what do you mean? NI number behind BRP is the no.. which separate no again..

Oggg:
what do you mean? NI number behind BRP is the no.. which separate no again..

babranancy:
Hi everyone,
Please I have my BRP card with NI number printed at the back of it. Do I still have to apply for NI number. Thanks

justwise:
This outsourcing of course work and project is very common , i know at least two Nigerians who outsourced their final projects...one is a professor now. I know Indian students also do this a lot.

A Nigerian student i know years ago was begging someone to accept £700 to help her write her finally project as she has 3wks to submission

Prosperity4All:
Holier than thou...I see you

Prosperity4All:
Same thoughts here.
Where it becomes inevitable that you have to outsource to meet your submission deadline, you are still responsible to proof read your work and take ownership of its content.
How does one pay for an outsourced research work without running a plagiarism check first and then a high level proof read for adequacy of content.

harwe:
I have not obtain the number neither will i get the card.

Its really bothering me. I have tried calling DWP but they keep saying they are not the one incharge of issuance if NI

Its getting so stressful daily.