omopapa:
Grp of trusted, working class and serious like minds

Until one person smokes weed...

Best set up a direct debit to your own account that you cat easily access.

omopapa:
For example: 10 group of friends contributing £1,000 monthly. One person pack the total contribution and use it for down payment of their mortgage.

They continue the circle until it goes round

Ppl still do ajo? In the UK?
Una like wahala o.
If one person packs and doesn't pay up what happens?

Following...�

uchman:


Justwise na SARS work, go fit you

umarwy:


Ah pele.
Big cities are trying to go green so they charge you daily for driving in low emission zones.

To avoid this you need to buy a ulez compliant vehicle or avoid driving in those zones.

Easiest way to avoid any stories is to get a Tesla, or recent hybrid/electric cars.

Welcome to the future.

Me I am still looking for 6.2/6.3 litre C63 w204, the engine itself is a beauty to look at.

You imply that current Ulez compliant cars that are not electric or hybrid will also likely suffer in the next few years, right?

That is what I'm thinking here...rules will likely be updated to phase out these cars over time.

Osoderi:
Good day house.

Want to confirm if it is easy for one to travel to France on a day journey and come bk that same day?

Pls for pple that have traveled to France what is the best and cheapest options to travel from London to France . Kindly advise. Many thanks

Yes by air. I don't know about other means.

TheGuyFromHR:


Dig just a little beneath the surface and its very likely the same old Nigerian disease is at work there.

I know this actually. Lagos state for instance gets about 40% or thereabout for every single person tested in a Lagos domained lab, this is fact.
Hopefully it is only Lagos that is doing this and not nationwide...then it will be easier to scrap ..

elisinho:
Abeg who has flown back home recently
What are the guidelines for covid
Treat as urgent thanks

Nothing has changed back there as of yesterday. You still need your pcr, pay for 2 tests/ register on the govt portal. I hope they scrap all that crap ASAP cos right now they are just putting money in the diagnostic labs pockets for nothing...

Viruses:

Please respond to your DM.
Thanks

Thanks, good transacting with you.
I'm still up for more takers. Offering 770. Send me a dm.

For those who care to know, did my provisional licence application online, sent back the paper form and ID doc on the 26th of Jan and just received my ID back. So took exactly 1 month.

I sent via the normal route, did not use the address dropped here...wasn't in a very adventurous mood at the time

MISSYTOSIN:
If you have naira pls message me with rates. Thanks .

770. Respond to my dm if interested.

deept:


Be careful before dabbling into btl, make sure you do your numbers well because you could be paying out of pocket as a private landlord because hmrc considers rent as income. Not to talk about all the regulations, cost and tenant wahala. Some landlords will be fixing kaylov12's fence after the storm.

Look into registering a limited company for btl if you want to go into it

Hmm. Interesting. Thank you!

dupyshoo:
Don't use rightmove, try the calculator
from mortgage providers to see the difference. For example, 20% deposit on 600k with Nationwide will be a monthly payments of about £1500.

Thanks. Will try this.

fatima04:


Doubling the deposit basically increases your equity but potentially the interest rates between an 80% to 90% LTV ratio isn't that much so that's why you are seeing close quotes. You can definitely divert your extra funds to start your property portfolio.

Also noticed that you might properly get a reduced mortgage repayments based on your actual scenario because the calculators are designed on like standard 3% rates and there are mortgages as low as 1.25% in the recent times.

Caveat- the above is just personal experience and not a professional one. Trust Ticha and others to do it justice

Ok. Good point, I guess the interest rate will be impacted by credit scores..

Mamatukwas:


Sometimes the machine picks up the plastic. A customs officer advised my mum to avoid too much plastic for things that could be contraband.

That’s how they seized my Suya pepper and left my Suya last year Apparently, pepper can be a weapon. It was hand luggage sha.

Ah! I see!

You should have told them it was suya "spice" ;
maybe they would have missed it

Generally, I avoid any powders or liquids in hand luggage...

Good evening everyone.

I was playing around with the mortgage calculator on rightmove... I noticed that for a house of say 600k, the monthly mortgage could be 2500 with a 10% deposit. But curiously, doubling the deposit to 20% only marginally reduced the mortgage to like 2200 (the figures are not exact)
Is there any trick to striking an agreeable balance between increasing the deposit paid and achieving a lower monthly mortgage...cos the way it looks to me, one might as well deposit only 10% and invest tge rest in a buy to let...

Mamatukwas:


Pour into small black nylon bags.
Double nylon
Freeze till it’s rock solid
Wrap in pampers
Place in check in luggage
Rinse & Repeat.
You’re welcome

Why nylon? I use normal plastic bottle and freeze...never had any issues

Page 265....stuff of legends

I see my post was also a casualty... talk about wrong timing.

Nairaland should really have a mute button....smh.

Good evening to everyone.
I have a question...hoping someone can provide more clarity for me.
I'm hoping to get on the property ladder asap and was playing around with the mortgage calculator on rightmove. I noticed something curious- if a house is 600k and deposit is 10%, monthly mortgage could be circa 2500 but doubling the deposit to 20% only marginally reduces the monthly payment to like 2200 (these figures are not exact please).
What gives?

justwise:


I have 5 including credit cards and all are active and I will increase it with time . I will switch to any bank with better deals than my current bank and after one year I will be moving to the next best deal giver. There is no need to be loyal to any bank.

Savage...

Aprokodaughter:



How come you guys paid for this option when it has not working since last year October or so. I know the student thread has been complaining. I did not know some of you still paid.

You want people to advice you yet you are throwing words. If someone responds the same level like you just did; you start screaming bullying.

Why is the option available for payment in the first place, I find that misleading on the side of the company. If you pull a service via an announcement or something, best pull it from your site services so no one can buy it..

Mamatukwas:


Okay ��

Pleasure doing business with you��

Mamatukwas:

Naira Available. Rate is currently a wee bit better than lemonade so support local.

Thank you.

Pls dm me. Not sure why I can't send you one.

Yemsot:


EXACTLY eight weeks after my student visa application, my graduate visa application was approved! I have now been granted the leave to remain in the UK for two years.

PS
I have started applying for jobs with employers that have sponsor license.

My goodness! So happy for you!!!

deept:


Lesson of the day, do not sign any papers/ contracts without understanding what you are getting into.

Contracts must be signed with a duration regardless...circumstances change and ppl have to take tough decisions.
Abi is one able to start a tenancy in this country without a fixed duration on the contract?

umarwy:


I paid 2-3 months +bills never again

E dey pain!

umarwy:


he will most likely pay rent until they find a replacemnet tenant.

he will also pay a fee to the letting agent in other for them to list the property

This is right. Happened to me, I paid about 230£ admin charges to the agency and was lucky enough they got a tenant fast, so I only paid 1 extra week rent than I needed..

Akorkor:
Please oh which store can I get a solid, warm, leather jacket that can make someone warm in this cold weather.

Get thermal long sleeves and tights from Marks and Spencer underwear range.
Really good stuff, I only use them and my clothes and then outer jacket...sometimes it feels too warm in the office with jacket off.

omopapa:
People of God, Abeg which institution can you recommend for a LISA account, April is just next tomorrow

Loolz at April is tomorrow, my thoughts exactly. As we speak (type lol) now, I am registering with moneybox as recommended here.

Bluetherapy:

That juju part actually came to mind while watching it .

I guess the reason why he even went to the 5 months prison is because of absconding from Israel. Technically, he didn't do anything wrong because nothing was in his name. I guess that's why he was realeased to the Isareli authorities. Plus he wasn't even resident in any of the countries.

I bet those ladies felt like their lives have changed forever getting to date a millionaire.

The difference between this guy and them Hush puppies is that he didn't steal any credit card details, they willingly gave it to him. He didn't con any business or government officials, he conned ordinary gold digging citizens. Plus the guy chop life very well . Chop the women money and their body chaii. Nah olosho dem hush puppies dey carry.

Who really uses a lavish lifestyle picture on tinder? Don't rich people have their own dating app?

We do?

mimilyrics:
My employer checks yearly - It is required when changing roles within too.
My employer made DBS update service compulsory for staff - there's a caveat that the employee bears the cost of a new DBS check. The cost of initial subscription is borne by my employer.
DBS checks usually take an average of 5 days from when you submit to your organisation to when it is countersigned and sent to DBS, sometimes longer depending on the situation.
Over the past year, I switched roles 3 times and the process was faster because I only gave them my cert number and showed a copy of the certificate. Took less than 24 hours for that to be completed.

Oh I see, thanks for the detailed explanation.

ukay2:


Yearly renewal with update service using direct debit is £13

Paying yearly without update service is about £54

Choose the one you prefer.....

Do employers check it yearly? Isn't it only required if you are moving roles or jobs?
Infact, what I really want to know is this : don't most employers pay for this as part of their recruitment process?