₦airaland Forum

Lexusgs430:
You also receive 25% on a SIPP account......😜🤣

Yes, higher and additional rate tax payers could get up to 25% but majority of basic rate taxpayers will only get 20% on SIPP.

Lexusgs430:
Why not invest through a SIPP account.......

I agree but I think it’s the lure of the extra 25% government funding that attracts people to LISA 😂.

ukay2:
I recommend Moneybox...everything was done within 72hrs when we requested parts of our contributions to be used to pay for our mortgage at exchange of contract.

Moneybox LISA is probably fine if the plan is to use the funds for property purchase. If you intend to use it as a retirement fund, there are better products on the market.

Moneybox S&S LISA has very limited funds available and their charges are equally too high compared to other providers. I’ll try Dodi instead.

If you have a Cash LiSA which is not for the purchase of a house, it’s best to swap this to an S&S LISA. Inflation will erode any savings in a Cash LISA over time.

bigtt76:
How good is a civil service job in the UK? As in the benefits and others .....any idea? Justwise, Lexusgs430, Koonbey, Zahra

Salary might not be that great compared to the private sector but they offer defined benefit pension scheme and a very healthy 27% employer contribution. There’s also job security and a generous annual leave allowance.

OmichaelO:
from UK or Nigeria ?


Ahh. I've never spent up 200 for me and Missus since all our waka.

So me and Mrs na 60 pounds.

Then hotel for one week in 4 locations like 250 pounds for two of us only 2 with breakfast included sha . Rest na apartment

Bros you dey try for this basic fare. Madam no dey carry better suitcase travel? There’s no way my toiletries will fit into Ryanair or Wizz Air cabin baggage let alone clothes. I’ll advise people to upgrade to the fare with checked baggage to avoid nasty surprises at the airport.

yolkman20:
Hello good people,

Trust weekend is going well.
I just did my tax return and my accountant was able to get me 3600k tax refund from the last tax year. I worked just 4 month as self employed within this tax year and I'm very wowed.

My people in construction, na like this he dey be?
I wasn't even expecting this much.

Any tax refund is always a great news but for this to work IRL, you must have paid a lot of tax through PAYE in 21/22 tax year and then became self employed part way in 22/23 leading to a trading loss in 22/23 which entitles you to some carry back loss relief.

I hope I’m correct 🤪 - HMRC are very stingy. The only time you will be entitled to a tax refund is if you’ve paid too much tax in the current/previous year.

Na wah o! Fight no dey finish for this una Nairaland

Tomyusf141:
It’s actually quite sad! I dabble here and there with dropship and make constant 3-4K a month to survive this hard country . Now they said if you make more than 1k you will be taxed, ontop the tax wey they want use kill us for our main job. Issokay😤

This has always been the case - any self employment turnover over £1K is usually taxable. It’s not a new rule. People fail to declare such income and HMRC has been too busy chasing the big fishes. With the new data sharing technology, it will be easier to detect all forms of tax evasion.

hustla:
Thanks

Someone said its the special delivery by 1PM envelope

The postal order, does it have any special name or ill just walk to the post office and ask for both

You need both the special delivery envelope and the postal order. Envelope is for the return of your passport and the postal order is admin fee for passport processing.

The postal order should be addressed to the Nigerian High Commission London. You can buy both at the same time and this is what the envelope looks like.

hustla:
Please where can I get the postage stuff to take to the Naija embassy and how much is it?

Also, what else do i need to take. I have NIN and all the application documents printed out

I think you also need a £20 postal order.

[quote author=hustla post=126521242]What do i call it? [/

@hustla Special delivery guaranteed by 1pm envelope.

dustydee:
Please can you recommend a brand of the spray to buy?

This one works well.

lavida001:
Why were they against it in the first instance?
Oyinbo this days wey dey carry big tire 🛞 for ear

It’s a consent issue. They argument is that a baby is too young to decide whether they need their ear pierced or not. You would hardly see an oyibo new born baby with a pierced ear. They get it done as they approach teenage and are old enough to take responsibility for cleaning the piercing/hygiene.

Zahra29:
Greetings

Couldn't have been me though, my conference was in Bournemouth and I had on a yellow dress

I think they meant you are a Tory supporter and Missjekyl is flying the Labour flag 😁🤣

Hello

For those of you that are up to date with the visa rules and requirements, what happens if someone on a skilled worker visa is made redundant? I understand they have to leave the country within 60 days. Has anyone been fortunate enough to find another sponsor within that time frame. Asking for a friend who was made redundant last week. Thanks for your contribution.

Datakey:
Abeg how do I know pot that will be comparable with my induction cooker.. I wasted money buying pots last week, I don't want to do that again

It will say so on the label or product description.

Poanan:
A friend travelled to Canada thru France without transit visa. Airfrance

They are allowed to travel to Canada, USA etc without a transit visa as long as they have a valid visa/resident permit for the destination country. UK on the other hand is an entirely different story.

kwakudtraveller:
Quick ask, does one need a transit visa if they are flying Lufthansa from Nigeria? They won’t be leaving the airport.

I think any EU airline that transits through Europe would require a transit visa.

dustydee:
Does this attract the cash withdrawal fees as well?

I think @Lexusgs430 meant money transfer cards. They work the same way as balance transfer cards - a small percentage is charged as fees when approved. My bank offer 2..5% fees on the money transfer value with 0% interest up to 18months. If approved, the money goes straight into your nominated bank account. No additional charges for the 18 months as long as you make the monthly minimum payment.

Oakande:
Please what does the account to account transfer mean? This is a switch offer from Halifax. Thank you.

Transferring money between your Halifax accounts for instance if you have two account with Halifax. This will not count towards the £750 minimum spend.

Bishop1monte:
What’s sparky and woody?

What about driving forklifts?

Moreover I don’t have any skills for now but I drive trucks quite well

Sparky = Electrician
Woody = Joiner or carpenter as we call them in Nigeria.

eniola1010:
No p60 was given. It says NI a seperate money was deducted for that, it also says tax a seperate money was deducted for that, then pension a seperate money was deducted for that.

You should ask them for a p60 if you are still with the employer. If they fail to provide one, phone HMRC for advice on what to do next.

Adebayo82:
Please anybody living in London around SW should put it me through. I went to see a friend of mine at the deptford last week, and I went there with my car from Birmingham. today now I received a letter on congestion charging ( penalty charge notice) £180 , this is strange to me because I was not pack on the road neither taking a bus lane. I strictly follow the Speed limit seen on the road within the 20Mile per hour. I reached the venue before I stopped the car. moreover, my friend is new in London, he lodge in Airbnb with his wife. Is it possible for me to challenge charge by writing them back.

Pele! You’ve made a very expensive mistake! Pay the fine and next time consider using the train. You can get a return trip to London from Birmingham for less than £20 if you book in advance.

eniola1010:
Hello guys.

I had a job from nov 2022 till date. PS its my first and only job in uk.

Now from nov 2022 to april 2023 my salary is not up to 12k. But within these months, i paid tax of about 100+ in feb,100+ in march and 80+ in apr 2023.

On the hmrc site it says i paid 0 pounds which i assume is the correct thing.

But my employers took taxes from me according to my payslips.

I feel i should have the feb,march and apr taxes refunded by now or could i be wrong?

What does you payslip say for the deductions? Is it PAYE or Employee NI contribution? Also did you get a P60 from your employer at the end of the tax year?

LagosismyHome:
Very annoying. We left UK to find the sun and it wasn't any better but we made the most of how we saw the weather.

😂😂it was funny though. Scotland had better weather while we were away and like you we tried to make the most of it but it was a bit disappointing to say the least.

LagosismyHome:
I have a British passport and if you have a naija passport then yes visa for sure is needed.

Paris was peaceful and was lovely, no sign of trouble

Did you manage to avoid the rain? I was there this time last week and it rained almost everyday 💧🌧️.

amanze54:
Baba Lexusgs430 you are also an experienced man in this UK. Please drop an input in this my request below

Please I need some guidance, advice and feedback...

I have two offers which I am divided on which to choose

I am through with my MSc in Data Science here and already on tier 2 courtesy of my wife who got a sponsored support work

The first offer is a prison officer with a starting salary of 28k.

The second offer is a Department of Education Financed training to be a physic teacher with a bursary of 28k for 10 month, I will be paid 19k while 9k will go to the Secondary school providing the training which is affiliated to a university. At the end I will be given QTS ( qualifications to teach) and a PGCE. Now at the end of the training, I am required to look for a teaching job.

Please I need a guidance on which to go, given the peculiarity of this country.

September is start date for both.

Do not mind any grammatical error.
Note I can't do both given the way the training is structured

Do you already have settled status in UK? I’m just thinking that there might be visa implications for accessing the DFE training in the future if you don’t already have ILR. I might be wrong so please double-check this.

Lexusgs430:
Was my comment directed at your child .........

It doesn’t matter whether it was directed at my child or at another mixed race child. It had racist undertones. Do better.

koonbey:
At the risk of chooking my mouth in matter wey no concern me…Are you sure you aren’t reading too much into his banter?

I doubt it was intended to be disparaging to her or any person of mixed heritage. If anything it was self-deprecating humor to say he wished he could claim American citizenship.

Banter or not I find it offensive comparing her citizenship to Beyoncé’s claim to Nigerian ancestry.

Lexusgs430:
Less deserving ke........ Make we dey claim heritage dey go....... 🤣😜

You still haven’t answered my question though? Being a parent to a mixed race child who proudly holds a Nigerian passport, I find your comment about Ashleigh ‘s heritage quite distasteful jokes aside.

Lexusgs430:
If Beyonce can claim Nigerian heritage............ Who am I, not to claim....... 🤣😂

Ashley Plumtree too is claiming Nigerian heritage.........

Make we dey claim dey go....... 😂

Don’t know what you mean by she’s claiming Nigerian. Her dad is Nigerian and her grand father is Nigerian, last time I checked Citizenship by Descent is still a legitimate form of citizenship.

No difference between her and any other Nigerian child born outside Nigeria. Or do you think she’s less deserving of Nigerian citizenship because she’s light skinned and has straight hair?

gergemam:
@Lexusg430

Daddy, what's the cheapest options to get to Heathrow Terminal 2/3 from London Kings Cross.

My search shows I will need to change train in Victoria.

Piccadilly line goes straight to/from Heathrow Terminal 2, 3 and 5 to St Pancres/Kings Cross for £3.70.

You can also use Heathrow Express to Paddington and then get the tube to Kings Cross. If you book Heathrow Express well in advance, a return journey will cost £11.