₦airaland Forum

giselle237:
no. it’s a temporary visa
After 5 yrs on it and meeting the conditions you can then apply for settlement visa (ie ILR)

I greet you boss, please when you say meeting the requirements, what are the requirements. I wantu start gathering the requirements sumusumu

erico2k2:
Buy an NVidia shield Box or any Android Box with fast processor, download WATCHED o n it and subscribe yearly for £46, you good to go

Baba I dey your Dm

Lexusgs430:
You mean something like this .........

Yes boss

Good evening Ancestors.
Please how una dey take watch live matches, and other better better things them.
I am paying TV license, I have home broadband e remain How to begin see live something especially matches. Premiership and Champion league. Help a brother abeg.

Solumtoya:
Yup, no two situations are same. Sure you already know your monthly costs for Feeding, Transport, Phone, Miscellaneous... So the new ones will be Energy (could be £80 to £350 especially if it's Electric Heating, Gas Heating is way cheaper), Council Tax (£130 ish), Broadband (£20 ish), Water (depends on usage, maybe £25 since you're alone), TV License (£32), that should be it really. It's all in the Energy bill! Thankfully, you can control that.

P.S.: With your name, I bet Will Smith could pay for it all.

This council tax be like Edinburgh tax.
My council tax on a band B 3bedroom Bungalow is £141, Water £28.30 here in Newcastle.
I think location, Number of household are factors in these charges.

Ticha:
that wasn't what I meant. It's a British saying - Bob's your uncle! Just means you're good to go!

Ooooh thanks, just read that again. My bad. My newness is still very new. Reading without proper understanding.
Thank you again ticha. We can start using your name now. Once you have your deposit, Ticha is your Aunty.

Santa2:
With the rising energy bills, it can go a long way in determining ones choice between old and new build. supposedly new build are more energy efficient as compared to old build. I really didn't know the impact of energy efficiency until I visited a friend on a cold winter day and noticed how their house was warm. I commented that they must be paying a lot for heating, he told me he pays around 100 quid monthly and that heating was not on at the moment, I checked the thermometer and the temperature was at 22 degrees, my head wan burst because in my house even when there is heat outside, the house is usually cold. his 4 bed -£100 , my 2 bed £340.I have installed draught excluders on doors and embarked on drastic energy saving measures.Hopefully it reflects in this month bill. when It gets to time to buy, I know it would play a role in my decision(amongst other factors). JJC like us dey learn everyday

Where I am currently staying in, is an old build, Don't know how old though. I pay £124 monthly for gas and Electric fixed and I moved in here last month.

Ticha:
The earlier you start the better. Usually the biggest obstacle is the deposit so once you have that, Bob's (We need a 9ja name) is your uncle.

I hate new builds but that's me. There are pros and cons to both. My biggest issue with new builds is that they carry a price premium, usually smaller rooms and plots and the area is stark ie no trees, plants etc as they would have been chopped down to clear the site.

If you have school aged children, you can't go wrong by buying in good school areas regardless of new or old. Sometimes in a hot market like the current one, choice also gets taken away from you.

Thank you our Ticha.
No Huncle anywhere. just Grace and hard work.

ProfJYK:
Apologies for the delayed response, You can pay anytime before the balance due date. just click the make a payment tab and follow the prompts. i always advice paying in full anytime before the due date.

Missing it attracts a 12 Pound "late payment fee" as well as interest on the outstanding amount.

it is also encouraged to not carry more than 25-30% of your credit limit into the statement closure date as that is what forms your "credit utilisation score" which is reported to the registry/bureau.

so what i do is, memorase/note my due date/statement dates. then spend, paydown from time to time. also, if i have #800 left in my limit and i want to pay for something thats 1000, i will pay #200 in, make my purchase, then still reduce it before that date. anything above 30% utilised that gets reported to the registry has an adverse effect on your Credit score.

This is my own self developed method and this is not financial advice.

Thank you boss.

Ticha:
Past interest rates are not really relevant as the rates are climbing. We re-mortgaged for 1.18% in Sept last year and fixed for 5 years. That rate is not even being offered anymore regardless of LVR! The best way to lower your rate is up your deposit. However remember you then won't have access to that money at all till that house is sold or re-mortgaged if it has appreciated in value.

Take the lowest rate available now as that may well not be available in 2 weeks time. Even if you move houses, you can usually port the mortgage and rates as well. The biggest thing will be deciding to fix for 2/3/5 years. Pay attention to the early repayment charges especially of you have plans to move within the next 3 years.

Our Ticha and other Ancestors, Please how long do one need to be in the YouKay before he/she can start looking for/start Engaging Mortgage Advisors in order to enter property ladder.
This may will be our 5/6 months old here, Assuming we have Deposit now, can we start hunting?.

Between we opened LISA in February will this affect us Negatively?

For first time buyers who lives in the village like us, Do you advise we go for new build or old build.

Thank you for your kind advice.

Lexusgs430:
I don't understand your £0.000's.......

You have £4000 credit limit....... You already spent £300.00........

Your minimum payment is £35.00.......... You can setup direct debit, for anything from £35.00 - £300......

Or set direct debit for £35 & pay whatever extra comes to your heart, within the app (linked bank account/using long numbers).........

Thanks boss. Make I kuku dey pay down everything spent on the card every month.

I nor wan hear say one thing one thing.

Thank you for always coming through with advice.

TheGuyFromHR:
With the way people are flooding into England these days, illegally and legally, this is becoming a more and more attractive option for me.
Head to Aberdeen or Dundee, live a quieter and cheaper life, pay the extra tax (which should be offset by cost of living savings from living in smaller towns) and get free bus travel for the children, free prescriptions, and hopefully free university education for them in time.

I was paying more in Energy and Gas in Edinburgh than I am currently doing in Newcastle.
More in Rent than in Newcastle.

Las Las i we move back to Scotland (Aberdeen or Fife). Much later in life, after we have secured the Red pot.

TheGuyFromHR:
You have two options, you can either make the minimum payment or pay off all the charges you have accumulated for the statement month. As long as you do either of those, you avoid having a missed payment on your record. Set up a direct debit for whichever option you choose.

If you pay off the minimum only, you will pay interest on any amount above the minimum, if your card has not given you 0% interest for a certain number of months.

The boss abeg simplify this English more for me biko.

Lexusgs430:
Set up direct debit, for either all or minimum payment.......

The advantage of minimum payment is, you never miss a payment...... The hit on your credit file, for a missed payment is HUGE ...........

Sorry boss, by full payment, do you mean the amount already used or both used or unused.

This is how my statement looks like.

Total Balance £******* (This is amt used).
Balance Due £0. (Payment not required at this time).
Available Credit £*********.

Abeg which is the minimum payment and full payment. Ṅa JJC i be oooooh.

I do not want to miss any payment.

Good morning Sires.

Please oga boss and other ancestors, I need a guide on paying off used fund on this credit card something. I dey see 15th May period ending. Please I want to know if it's the date to pay off the cash used, if yes can I pay down before the 15th?. I don't want anything to affect the small Credit history we dey try mould block for.

Is it better to set up a direct debit to pay off anything used?.

Please I need a guidance.

Na Amex card.

ProfJYK:
Please for those looking to start thier Credit Card journey using the BA Amex Free credit card, kindly join using my referral code to get 10,000 reward points free sign up bonus (Limited time offer).

That's almost enough to an economy ticket to Europe when transfered to Avios. Disclaimer; I also get some points. Let's sha explore Europe together.


http://amex.co.uk/refer/eJIKeOmcG5?XL=MNMNS

Good evening Ancestors.
Please my sister wants to visit the UK for 4weeks.
Please I need help with the application documentation. like
1. How much money to put in her account (She has her money to back up her application). I do not have capacity to invite her.
2. Documents needed.
Etc

Please help.
Gracias

Biko, please, ejoor. People of Newcastle, Which App do you use for your buses.
I will be coming in tomorrow from Edinburgh. Help me as usual.
Thank you dear Ancestors.
You people are doing well Oooooin.

deept:
get a man and van. or buy a van, move then sell the van. Or keep the van and start a man and van as a side job.

Brotherly

umarwy:
For the house
Use rightmove.co.uk
Use the filter to limit search to you budget, test, location,house size etc.

Check online for airport transfers, there are various companies that do it?

Why not use coach??

If you have plenty load use a combuof man in van and train

Thank you for your advise.

Actually, we recently moved into the country Edinburgh, My wife got a transfer to Newcastle.
We just got a house here and bought some properties. So we are looking for how to move with Everything.

Ralphlauren:
Call capital cars Edinburgh and they will give you a quote. Another option is to check uber. The app should give you a quote.

Alright thank you. I have checked Uber, so I have a budget of £250.
T
I will call Capital Cars Edinburgh tomorrow to get a quote from them.
Thank you.

onecoder:
Taxi from Scotland to England?
Why not take LNER train from Edinburgh to newcastle

I am traveling with my entire village. That's why I am looking for a taxi option.

Good evening Ancestors. Thank you all for all the valuable information you keep dropping here.
Please can anyone help me with finding accommodation 2-3bed flat/house in Newcastle NE39 Rowland axis. Secondly any idea on how much it will cost me to use taxi to move from Edinburgh to Newcastle.

Please help.

Good evening Ancestors.
Please do unvaccinated Nigerian still need to do pre daparture Covid test before traveling to England and are they still required to do Day2 and Day8. Or only Day 2.
Please help the Gov site they confuse person.

Good morning Ancestors, please I need pounds, I have naira.

Who have pounds should DM me please.

Lexusgs430:
[/b]

Bank transfer is the worst form of transaction...... You have zero protection........

Thank you all for your advice, mission aborted.
Transaction canceled.

Thank you family

LagosismyHome:
Don't so anything you are not comfortable with... if he already at your place what the value of the 50 into an account. .... something doesn't sound true

Exactly my worries. Why you go even want collect cash in this cashless obodo

Lexusgs430:
Wahala dey sleep, u wan pull hin tail..........


The best way to thwart this scammers, tell the scammer your friend lives not far from him/her and is willing to help you collect items ..........

I am also not an ancestor.......

The thing is, he is bringing the items to me. But when he arrives my place, I will give him 440 cash and pay 50 into an account online via payoneer.

But I want to pay all into an account through a bank transfer. I don't want to put my card details on his link.

justwise:
Run for your life, it’s a scam, all that scammer wants is that 5%, you will not receive anything. The moment you pay he will block you.

He said I will make both payments once I receive the order but 440 cash and 50 online.

LagosismyHome:
Is it a big amount .... if yes then insist on PayPal but not using friends so that you protect yourself

Although I am not an Ancestors

The total is £490
He is asking for £440 Cash and £50 via payoneer

Good morning Dear Ancestors, Please I need advice. I placed an order for items through Facebook, They seller is requesting that I give him the following
1. My email address for him to send a payment link.
2. I will pay him 95% cash on Delivery and 5% through payoneer which he will send to my email.

Please advise if I should run or keep insisting on paying via transfer.

Chreze:
If you use mattress protector, your mattress will still look like new one even after years. All fluid and heat will be on the protector. Asda has one for I think £8 or £12, I can’t remember. I got mine from the company I bought my mattress from and if I am to sell my mattress or that of my child any day, could sell it as fairly used mattress or even lie and say less than 6months mattress. The protector protects from liquid and is washable. Top is like towel and under like nylon.

Also someone can use vacuum for mattress just like they use for sofa. And it will become clean and close to new, even after the person might have used for years. Most hotels do this. they use mattress protector as well, and they only have to change or wash the protector when it’s dirty.

For the person that said my explanation them de too long please do the word count on this and let me know. If this one still long, then maybe nairaland no be for me cos I can’t not be giving my country people incomplete gist.

If Nairaland is not for you, in Mummy G. O's Head fire straight.

Na joke ooooooh

ukay2:
Download Kyshi......someone mentioned it here and I used it.

Very good as you see different rates and you choose the one you want.

The owner of that app try oo

I stopped wen they say make I add Bvn.

I hope it's secure enough to collect my BVN. Because I nor dey for my yam never done