₦airaland Forum

Viruses:
How does named (additional driver) work in car insurance policy?

I am the experience driver and I want to add my wife to the policy as she will start driving. Which will give me cheaper premium? Taking the policy in my name and adding her as additional driver or taking the policy in her name and adding myself as additional driver?

The main driver should be the main user of the vehicle. If your wife is going to be the main driver, then you should be the additional driver and vice versa. Anything outside of this is insurance fronting which is a punishable offence.

claremont:
I came to this country in 2009 on the back of Labour government liberal immigration policies, and I and my household have always voted Labour. I voted for them just recently in the council elections. I wouldn't be in the UK today if not for a Labour government.

I have supported Labour and Starmer on all policies until now. However, I just cannot support Labour on this immigration policy. Let's see were it all leads to in the coming years.

Were they really liberal in 2009? If I remember correctly, this was during Tony Blair and Gordon Brown’s era with their British jobs for British graduates slogan and changes to HSMP. I despised Labour back then and my political stance hasn’t shifted after all those years.

dannytoe:
Instead of reforming tax distribution, improving social care policies and stopping illegalls arriving on small boats and restricting graduate visa to graduates from STEM courses like it's done in the USA. They want to put all out restrictions on graduate visa for all intl students.
Far worse; Labour is now trying in a haste to compete with reforms hardline and far right immigration policies like proposing 10yrs ILR route for all currently on skilled worker visa , however, on a desperate measure painfully.

The recent council election has caused labour to "panic" a precursor for erratically made decisions wish doesn't end well with politicians in power atleast .
It's like an airline pilot mide-air with an engine fire suddenly. The Wrong thing to do is to panic.
Right thing to do is to remain calm and follow safety checklist and precautions.

Now - despite the fact that we have a major shortage of care workers, Labour is now going to ban the recruitment of overseas careworkers who are willing and want to do this work. I'm not sure what Labour is aiming for here, It seems they are intent on losing the next election. I can't imagine too many pensioners voting for Labour and pensioners can well determine the outcome of a general election in the UK.
@jedisco

I agree but I think you’ve posted in the wrong thread.

Cyberknight:
Maybe, maybe not? Might likely be done through statements of changes to the Immigration Rules which are delegated legislation.

I agree. If the way Labour has handled previous policy changes are anything to go by i.e WFA and VAT on school fees. It will be immediate with no exceptions. I’m vexed for those that will be caught out with this new policy change but it’is what we voted for. Rather than focus on finding lasting solution to the boat crisis, they have decided to penalise innocent hard working people that are propping up the UK economy and providing much needed skills and manpower.

babajeje123:
Do you think Tories would have done better considering the outcome of the local election?

Probably yes if Rishi was still the prime minister.

Gerrard59:
Very predictable. A Nairalander predicted this almost a year ago. Folks have to be mentally prepared to accept that they might not or will not be able to attain permanent residency due to the lengthy years and costs involved. For some, it might take almost a decade to fully become a British passport holder (alongside their family members). For that reason, if you see say it will cost you so much in terms of mental health, finances and otherwise, moving back to Nigeria shouldn't be an issue.

Such is life.

I hope everyone that voted Labour are happy with these new development.

Hello, please does one need a dollar account to make visa payment or can you use a Nigerian atm card? Thanks.

Good morning, I’m helping someone apply for a visiting visa. Do they need a dollar account to pay for the visa fees or can they pay with their Naira Visa card? Thanks.

Nelsmannnnnnnnn:
Hello Seniors,

I'm in a bit of dilemma, I have been working with one of the NHS Trust as an Accountant for a year now under my graduate visa.

Recently, I requested for a tier 2 visa from my department Director with the deadline that if I don't get it, I will be leaving the Trust. Though I still have one year left in my graduate visa but just need to switch quickly. But due to the salary threshold of 38,700 and 30,960 for new entrant which I'm eligible for, I requested I be moved from band 5 to band 6 so I can match the pay.

Due to funding issue within the NHS, my Boss couldn't take me up the band, and In other for me not to leave, my Boss made contacts with both HR and the Trust immigration team responsible for visa and to my surprise, they said my salary of 29kas a Finance Officer can go for a tier 2 visa being that I work in Healthcare.

Truth is, I'm very sceptical about that but the Trust keep assuring me that it will fly with home office. Today, I have received my COS but I'm scared of spending money to apply and losing the money if my application gets rejected.

Has anyone working in NHS in an occupation other than clinical recently gotten a visa as a band 5? What do you guys think about this?

Both qualified accountant and finance officer are on the shortage occupation list. I’d apply as a Finance Officer if that matches your job description and salary level.

Has anyone used an eSIM while visiting Nigeria? If so, what was your experience in terms of network coverage and cost? I’ve used eSIMs when holidaying in North America but noticed that MTN and Airtel now offer this service in Nigeria so I am considering this option for a forthcoming trip to Nigeria. Many thanks.

Goodenoch:
You know, I completely missed the bit about lunch breaks.

It's crazy, to be honest. Lunch breaks are for wimps; maternity pay is too much.... where does it stop with this Badenoch woman?

@Goodenoch I’ve corrected it for you. She’s an Enoch but the bad type

Lexusgs430:
I currently pay £420 per annum for 2 vehicles + £180 building and content insurance...... 😁
(fully comprehensive), on both vehicles...... 😎
I also have extra insurance for all my white goods, TV etc etc...... The TV in my bedroom, developed a white thin vertical line last week, I phoned D&G, technician visited today, wrote TV off today ..... Getting a free replacement next week..... 😊

For all white goods, TV cover etc etc , I pay about £75 extra pcm..... 😁 (Got my Double fridge & freezer + washing machine replaced already).... 😁

Convince me that the BIB is such a great deal. The accountant in me sees that as a waste of money. If I set aside £75 every month in a 5% interest savings account, I will have enough funds to replace any fridge/freezer or TV that breaks down. We used to have a breakdown cover/extended warranty for white goods but I cancelled it as I couldn’t justify paying into something that I might never use for the foreseeable future. Instead we keep an emergency fund for such things.

EJIOGBENIMI:
If affordability is not an issue, is there any possible way a married individual can exclude his/her partner in the mortgage? And in such situation, does the other partner have to be involved if the property need to be sold in future?

Your married spouse has the right to make a claim against the property in the event of a divorce or separation irrespective of whether their name is on the mortgage or not. I don’t know if that answers your question but it’s something to consider.

rock86:
Thanks lovely.

I neatly had heart attack seeing the amount. Omo, I now understand why they said UK people are stingy

Whilst the Council bills in advance, you can still pay in instalments. Phone them and set up monthly direct debit for the bill.

willyede:
Could anyone recommend a user-friendly platform for opening Junior ISA accounts in the UK? I am currently using Fidelity, but I am looking for an alternative as Fidelity does not allow me to purchase shares directly. Thank you.

What do you mean by you are unable to purchase shares directly? There is the option to buy individual shares (as well as funds) in Fidelity’s JISA. Their share dealing fee is high though compared to Nutmeg etc but there is definitely the option to buy shares.

justwise:
1. What is your definition of a good quality of life? N500.00 is about £230, so what quality of life will that afford you in a county where you have unrealisable power supply, unmotorable roads, no free health care, no security, abysmal educational system and the govt that is desperately corrupt

2 . She can't afford that even with 2yrs savings while living in Nigeria., how much do you think she needs to save to be able to pay her kids school fees here, rent, bills, feeding, accommodation and someone who will look after them considering their ages and still pay her rent and bills in Nigeria?

The only reason many of us moved out of Nigeria was because we are looking for a better future right? So after living abroad for 3,4,5 yrs what stops you from moving back to Nigeria since Nigeria is a better choice? Please don't tell me that you are waiting to get a job that pays 5M, or you want to get your citizenship here first, no you don't need it, all you need is your Nigerian passport, work experiences and education you have acquired here.

How many times here have you bribed the police to do their job? How many times here have paid for NHS treatment first before receiving treatment even as a visitor ? Yes we all pay NL and taxes but workers in Nigeria pay taxes as well but get nothing out of it.

Moving abroad is not just about money, it’s about peace of mind, security and a better future.

I think the argument is that N5,000,000 when converted to GBP is about £2,300 per month which would likely be her net income on the NHS job. However she would have more disposable income with the N5m in Nigeria than in UK so could afford a reasonably good quality of life which could be comparable to living in the UK.

Having said that, money shouldn’t be the only consideration for such a move. Peace of mind, good work/life balance, a working system, access to good education and a good support system/family network are all important factors to be considered before making the final decision. One thing to bear in mind is that your kids are young and will need after school care so you will need to factor in childcare costs, alternately hubby’s career may be sacrificed for the common good of the family,

OP, both options have their pros and cons. Your family unit needs to think about this carefully before making a choice. Good luck with whatever you decide.

edmasta01:
You don't get taxed on what you save. If your savings earns money e.g. interest, you get £2,000 (i think) without getting taxed. I won't worry about tax on your savings until you get £100,000 saved in your account.

Personal savings allowance for a basic rate tax payer is £1,000. Higher rate savings allowance is only £500 after which you will need to complete a self assessment form.

CheesyTee:
Thank you for sharing. If I get you right, all you had to do was validate her NIN. Can I ask if the process of validating the NIN links it to NIS database or you had to do that separately too?

Correct! Once it’s validated, it should automatically link to the NiS database. They call it ‘drop’ in local Nigerian parlance.

CheesyTee:
Hello everyone

I recently visited the London passport office with my children to renew our passports. While my passport and my son's passport were delivered within three days of our biometrics, my daughter's passport is still being processed.

The tracking system indicates that her NIN is pending verification. I obtained her NIN, along with my son's, from Nigeria, and I am perplexed as to why hers is the only one that is pending.

I have contacted my mother's back in Nigeria, and the NIMC contact informed me that my daughter's NIN requires revalidation.

My concern is that I have been unable to reach the Nigerian High Commission in London via email or phone. Given that they have not contacted me about the delay, I am uncertain whether her application will be processed once her NIN is revalidated or if I will need to travel to London again.

Anyone with similar experience, pleasenhow did you go about yours? Thank you

I had a similar issue a few years ago with my daughter’s passport application in Ikoyi. It took a while for her NIN to drop, so they couldn’t issue her passport. I had to expedite it through one of my contacts before the NIN was eventually validated and linked to NIS database. Passport was issued a week later.

Zahra29:
Conservatives have lost ALL their seats in Wales

More than 30 government ministers have lost their seats

"Big beasts" who have fallen so far:

Grant Shapps
Jacob Rees Mogg
Damian Green
Johnny Mercer
Tobias Ellwood
Penny Mordant (was a possible leadership contender)
Douglas Ross ( Scottish conservative leader)
Gillian Keegan
Liam Fox
Mark Harper
Michael Fabricant
Richard Drax

Also Jon Ashworth for Labour which was a shock result

Happy that my vote didn’t go to waste after all. My conservative MP retained his seat 👍.

Congratulations to Labour! I’m also pleased that Nigel Farage got in. Exciting times ahead!

ReesheesuKnack:
My friend… Remain Inside. You ain’t going nowhere.. you ain’t going Outside.

By this time on Friday, there is every likelihood that even the perks you are ‘enjoying’ Inside will be taken away, or further reduced.

When you hear Oga Keir Starmer deliberately muddy the waters about what tax increases to expect, you think Rachel Reeves isn’t using corner eye 👁️ eye to look at Outside gigs?

Bro. Just be ready to pay a little more in taxes from your Inside gig. Afterall, the wealthy on society (like you) must be willing to pay their fair share of taxes.

PS:
I take my definition of ‘Wealthy’ from the last BBC Question Time debate, where the leader of one of the parties (not conservatives) stated the threshold for high earners as 50,000 per annum (before tax).

On a lighter note, if you see any of them Outside gigs, Biko, holla at me. Me sef dey find.

Starmer described the Working Class in one of the interviews as people that live from pay-check to pay-check without any savings. By inference the rest of us are wealthy and he is coming for us

P.S I have already voted for the Conservatives. Wasted vote maybe but better the devil you know.

Zahra29:
The issues you are focusing on are important to you because they impact you or relate to you.

Others have their own priorities that are important to them, whether its pension triple lock or inheritance tax or green issues.

Or VAT on school fees

Zahra29:
Bonkers. Does this affect the birthright citizenship of a child born in this scenario to a Nigerian mother and non Nigerian father?

I have heard that the Nigerian visa is one of the most difficult to obtain. Even Bill Gates was previously denied, allegedly, on the grounds that he might overstay

@missjekyll, I hope you were/are as passionate about calling out the cruel, unequal and anti-immigrant policies in the Nigerian immigration system, and that your present passion isn't due to another UK-induced Damascene conversion.

No. The child is eligible for citizenship in both cases. The discrimination is only against foreign husbands of Nigerian women.

All foreign spouses are allowed visas and residency, however the residency does not lead to citizenship for foreign husbands unlike foreign wives. Imagine if this was the case in UK 😂. Understandably Nigerian is a patriarchal society and women have no rights.

Goodenoch:
BTW in Nigeria, foreign work permit holders can have their married spouses with them but not their partners, even if they've been together for years, decades, etc, have children and clearly have their whole lives together. How's that for cruel and unusual?

Speaking about cruel and unusual, is it not the same Nigeria where foreign female spouses aka Naija wives are allowed citizenship by registration whereas their male counterparts cannot acquire Nigerian citizenship. A country that operates different citizenship rules for their male and female citizens!

lavida001:
Recommend a cost-effective fan Biko. i cant sleep last night.

Just buy any fan from Argos. I think the trick is to leave all windows open for cross ventilation.

Pearlyfaze:
I added £400 to my Monthly mortgage payment. When I put all the figures in my amortization chart, this additional payment reduced my tenor from 25 to 12.5 years Reducing my total interest from £92,216.86 to £41,298.35. I am wondering if this is the right decision.

I think that putting £400 monthly for 12 years in SNP500 will yield more money than this but I do not know much about Stock investment. E be like we go soon protest to open another trade for investing.

In addition to Lexus and Deept’s comments, you should note that the projections in your amortisation chart is likely based on current interest rates adjusted for small inflation. It is possible that interest rates might be higher than predicted and you could actually be saving more money or vice versa, same with investment in SNP500.

jedisco:
Hehe.
First, most immigrants are from conservative backgrounds and would be largely opposed to most things around LGBTQ. But then, there need to be some common sense decisions around certain things.

Secondly, I find it interesting that over the last few pages on the elections, the focus has been on vat for private schools. If just 7 % of kids are in private schools, the ratio of Nigerian immigrants whose kids would go to private schools would be very low. 1-2% at most. I.e, this would hardly affect us as a community . Personally, if I had kids here, I would look to send them to grammar or private schools. I factored this in when buying a property and had to buy in a town with a good number of well-rated fee paying schools. Even at that, I'm not opposed to the idea. Private schooling is increasingly becoming a status symbol and some vat on that is fair game. One might argue other areas e.g healthcare- the answer is simple. No tax is universally 'fair'. Every nation decides on what to tax and what not to.

My main concern is that the money raised would likely be wasted on some 'new shiny project' in state schools that would later be scrapped. Seen this happen too many times in the NHS. Finally, don't be surprised the number of children in private schools will keep rising despite this change. The psychology around items seen as luxury is very much different from essentials.

This could be the case in England where there are a lot of black people but in Scotland where population is predominantly whites, majority of parents from ethnic minority background send their kids to private schools which offer more diversity than council run schools. You wouldn’t want your child to be the only black in the entire school and to be picked on by bullies all the time because they are different.

Lexusgs430:
That's why I moved to Rochester...... Within 10 mile radius, we have about 8 grammar school's ........

I rest my case 😂. You’ve corroborated my earlier statement that people with ‘means’ buy houses in sought after neigbhoods to be in catchment for grammar schools thereby pricing out the poorer folks. This is what Labour should be addressing @missjekyl.

Oga Lexus I hope you are not planning to move to Scotland soon in order to take advantage of free Uni. You too like awufu 😝

missjekyll:
Gosh, this is a catch-22 situation, isn't it? Almost like the system is forcing you to pay exorbitant amounts to ensure a decent education for your child.

Not everyone can afford to move house.
If it's any consolation, a bright child will shine anywhere, even in afternoon school.

I agree. Most times the bright kids are not the issue here, it’s the disruptive ones that are the problem. In situations where a teacher spends 30mins out of a 40mins period to discipline kids before the lesson commences. You will then have to arrange private maths and chemistry tuition for your bright child.

Lexusgs430:
I moved to Rochester because of the grammar schools, all my children attended Grammar schools....... Why would I want to waste money on private education, when I am already heavily taxed........🤣

If there were no grammar schools within 50 mile radius of your home and all the local schools near you are oversubscribed or are low achieving, what would you do in that situation?

missjekyll:
Where did they say that? This is a lie, Ms Peerielass. This is an elite gathering of Nigerians in Diaspora. They are perfectly capable of making up their minds on who to vote. We just lay out the facts and argue back and forth to have a little fun. There's no need to be disingenuous .

Google is your friend. They’ve done it before in the 60s and can re-introduce the policy again. Labour detests selective education and grammar schools fall into that category.

dupyshoo:
I was already punching calculator to consider independent school for my son but based on this policy, our focus is now on Grammar School. Let us use our tax well and save our money.

Wahalla no dey finish for this country! Once Labour succeeds with the VAT charge on private schools. Their next target will be grammar schools, they will be stripping them off that status and making them non-selective schools which is why we should all fight against this policy by not voting Labour. It’s private schools today, tomorrow it will be grammar schools turn. We are living in a free state and people should be allowed to make choices that suits them.