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Phayie's Posts

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Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 9:27pm On May 05, 2023
Kacek:
Hello, Please can someone help with this question.
The 20hours limit for 2nd employment on Tier 2 visa, does it include overtime hours?
You can do more than 20hrs "overtime" with your sponsor
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 6:45pm On Apr 30, 2023
Drey1:
Those first 3 sef go reach upto £700 o. Abi . Boss
Insurance: between 1000 - 2000£ ( for new drivers)
Road tax: about 300£
Fuel: between 20-£50 per week
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m):
hustla:
Leave long story

Enter Udemy and start from Comptia A+, then network +... Then ccna.. That's the foundation..


By the time you learn those basics, you'll know where to head to next

smiley
I know about ITIL, CCNA, A+, N+, and S+. Additionally, I am aware that my first certification should be A+, CCNA, or ITIL, after which I can select either N+ or S+ if I want to specialise in networking or security. I also know that I should learn Excel, SQL, Python, R, etc. if I want to pursue data analysis. But my concern is that if I start studying for an A+, I won't realise that data analysis would have been a better course of study. I just need a guide from the tech guru in the house, since I think I'll do fine in any of those fields.
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 4:07pm On Apr 30, 2023
semmyk:
Talking of changing career, what field are you coming from or what experience(s) do you have. One thing about Cybersec which is equally more applicable to data analytics is that you can make use of data analytics within other fields (including Cybersec). Some of the gurus in Cybersec make use of their previous background within Cybersec: take for instance AML or Privacy
PS: Cybersec is a wide field in itself. Data analytics is largely horizontal cutting across many domains, although (along with data science) it's having its own vertical.
Thank you for your response. I have 0 experience about data analysis and cyber security but I wish to pursue a career in IT and I want to start from scratch. I don't mind if it'll take me a year or two to learn and secure a job that'll come with tier2. I just need a guide to know which area I should focus my learning on before starting
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 9:26am On Apr 29, 2023
hustla:
I have a feeling Nigerians will totally cast that Healthcare CoS within 3 years. It'll surely cast or the loopholes will be corrected (but it's not only Nigerian that does it)

It's not even supposed to be paid for Yes
so I wonder why people are paying through their noses for it to the point of 5M or even 12M.

12M just to spend 5 years changing diapers is madness no matter how anyone paints it I don't think it's "madness" to secure your "future" and your generation. A good example is what's going on in Sudan, with your foreign passport you'll be sure of your safety out of the country at least to a large extent than having the 12M in your bank during the time of war

Haba!
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 12:51am On Apr 29, 2023
semmyk:
What you've listed are actually broad. In the true sense,
- web dev has so many sides to it: back end, front end, full stack, UX, ven DevOps and on and on it goes.
- Project mgt self gets technical, kukumba come branch reach agile, so they e dey waka go program mgt.
- Cybersec, na e worse pass. I no say I wrote sometimes last year on this thread about it. CTI (cyber threats intelligence), analytics, blue team, red team, (at least lasgidi dey try), risk assessment, process and mgt side of cybersec (your ISO 2700x sec mgt and certifications), your governance and compliance. Oh, there's still Privacy (which fit randa on its own on one k leg) ...
All three are increasingly integrating with other areas: legal, big data analytics, AI...
I want to start a new career in IT, but I'm not sure which field to go into between data analysis and cyber security. Which one would you recommend for someone looking to change career and might also be easy to secure sponsorship.
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 12:43pm On Apr 24, 2023
Maturedhustler:
👆🏿👆🏿👆🏿I will appreciate timely advice on my challenge.
I think the most recent one is the one that's valid. Just check the date on it. Then cut the other one and send it back
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 12:28pm On Apr 12, 2023
heroshark:
It's very possible. Someone is earning £18k (0.5 FTE) working around 19hours a week
If you earn 18k with 19hrs, then why do you need to work extra hour
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 11:52am On Apr 12, 2023
Zahra29:
Yeh I'm sure the Indians do it too undecided however their immigrant community also largely does not have a great image. You don't hear of Australian, American or even Chinese students breaking rules in the same way
Yet they're the one ruling us 🙄
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 11:45am On Apr 12, 2023
Zahra29:
Gosh, Nigerians and wilful breaking of rules. Then said rules get tightened and Nigerians get an even worse name...
You don't have to take it personal. Not only Nigerian brakes that rule
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 11:14am On Apr 12, 2023
Strata1716:
I really don’t think it’s possible not to exceed the tax free amount because 20 hours will most likely give you £800 p/m and I don’t think there’s any job that will pay you just £300 so you can remain tax free.
800x12= 9,600

Earning like 900-1k monthly will give you about 12k?
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 10:34am On Apr 12, 2023
Ladasit:
The truth is in most cases it doesn't matter in so far as you don't do it too much, most people here know this but they are scared to tell you the truth.

I can tell you for a fact, that during my masters I worked more than 20 hours a couple of times and still got my post work visa.

The major thing is don't do it too much, don't fail any of your courses, in fact don't do anything that will make them want to investigate your case.

Remember always use your head!!
Jedon:
To my ancestors in the house,

Please I need your advice l, I know as a student working more than 20 hours is not allowed except during break. I am hustling and i need money, if I work more than 20 hours for some few weeks will I get into any trouble?

Also will I have problems getting my post work graduate visa later on?

Someone told me, in so far as I don't do more than 80 hours a month there is no problem. Is this true?

Please I need you guys experienced wisdom.

Guide me on the way🙏
Yes it's very possible to work more than 20hrs in a week but it's a 50/50 thing. The VO might not notice it if u do it with sense ( don't exceed the £12k plus tax free) once the VO discover you work more than the tax free amount, then there might be a thorough check on your 20hrs compliance.
Please note that it's 50/50 thing and I won't encourage you to do it
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 1:44pm On Mar 27, 2023
AgentXxx:
Thanks bruv You are blessed. Checked ps5 just right now and am seeing 350£. Should one be on a look out for scam activities or stolen items?
100% legit. You can also visit one of their shops closer to you

But note that the ps5 has 3 grades
Grade A = clean console with box
Grade B= clean console without box
Grade C = not too clean (Discounted)
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 1:43pm On Mar 27, 2023
AgentXxx:
Tried it but they seems not be able to add GTBank details that I intend to send 1£ to.
Gtbank is there. Add the receivers phone number and then choose the bank
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 12:56pm On Mar 27, 2023
steadyMoving22:
Lexusgs430

Chief Any idea where I could buy bulk of used UK tech products for resell in NIG ? Trying to up the hustle....
You can also try cex. They sell cheap used tech with about 24 months warranty
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 1:48pm On Mar 26, 2023
pheranmie:
Hello
Guys has any one tried Loqbox
I am trying to give it a trial but they are charging 2.50 per week .though it’s platform that increases credit score by me saving in it monthly but I want to be sure if it’s worth it
It's a good step to sign up to Loqbox but you don't need to subscribe to £2.5 per week membership, with free standard membership and a savings between 20-£500 for about 12 months will positively affect your credit rating. Sign up with the link below.

https://www.loqbox.com/en_gb/loqbox-invite?referral_code=GJOHQHRURH&referral_channel=link

You must be careful not to upgrade your membership because doing so will attract £2.5 per wk
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 5:23pm On Mar 24, 2023
AgentXxx:
Shey dem no know say 200£ and 175£ switching bonus Dey ni. If they observe the trend, they shouldn’t wonder too much 😝. For now those 200£ are more important than their yeye scores. Make I Dey enjoy Dey go
Abeg which bank is given £175 for switching
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 7:44am On Mar 24, 2023
mizGene:
I started with provisional, forgot to update to full until it was 2 weeks to renewal. My quoted price went down though a few things also changed like my address and a slight reduction in mileage.
But like ppl have said, the quotes I got from other providers were much higher than the ones I got last year when applying with provisional.
What I noticed about the price is that if you've had your provisional more than 1yr and you just had you full licence, the the price of the provisional licence will be cheaper than the full licence. If you wait till more than 6months before updating your full licence, then the price could reduce. (I might not be totally right)
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 10:50am On Mar 20, 2023
Zahra29:
This is not correct. See below copied from an official gov website.


When will it start?
From April 2024, working parents of two-year-olds will be able to access 15 hours of free childcare.

From September 2024, 15 hours of free childcare will be extended to all children from the age of nine months.

From September 2025, working parents of children under the age of five will be entitled to 30 hours free childcare per week.

This staggered approach will give childcare providers time to prepare for the changes, ensuring there are enough providers ready to meet demand.
It's been in existence before now. It's even pasted on most buses around Coventry and westmidlands. This was confirmed by the council in charge of admission. You can even choose a private nursery and and government will pay the school
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 11:23pm On Mar 19, 2023
obaalasepe:
My friend send me this after explaining to him.
Please sir I need more clarification.
This is correct. Children between 2-4 years are entitled to 15hrs as long as you work and pay NI. 4 and above are entitled to 30hrs.

The new scheme to be rolled out in 2025 is for 9months to 2yrs
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 12:42pm On Mar 11, 2023
Viruses:
Bank app. Click on loan section, there are different kinds of loans.
Which bank?
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 11:57am On Mar 11, 2023
Viruses:
Update:
I was going to the wrong loan section (the one for personal loan). I got a good deal for the car loan, 7.5% and address history wasn't a problem.
Which site is this please?
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 1:25pm On Mar 10, 2023
Tinyemeka:
6 months?!
You can withdraw your money anytime
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m):
Tinyemeka:
Wehdone sir and welcome back.

I'm running mad here.

I've spent 4 months in the country and my TransUnion credit score is still in the mid-500's.

My records are in the electoral register, have got 3 bank accounts that I run transactions through frequently.

My wife landed long before me and I recently got added to the tenancy agreement. I've tried to apply for the AmEx credit card advertised by @Solumtoya and my request got declined (I'm sure because of my low credit score). I'm using a pay-as-you go mobile line (not contract).

What else can I do to boost my credit score? Or at least how can I secure a credit card?

An aside, I tried to sign-up for Rebtel to be able to call home cheaply, but couldn't because they said they don't support EE lines. Please do you know any other network that I could sign on a contract with my low score?

Appreciate all your assistance and contributions on this thread. 🙌
Open loqbox account with my referral link below and start saving about £20 monthly for 6 months. This will serve as loan which will give you credit profile and increase your credit score

https://www.loqbox.com/en_gb/loqbox-invite?referral_code=GJOHQHRURH&referral_channel=link
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 9:55am On Mar 08, 2023
Funpeter:
Good day everyone
Have a survey site you can be working on uk in your free time and you will earning little change.....
Try this
https://app.adjust.com/c4742oh?label=f78aab87-09cc-480a-8580-8f022e10fc61
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 10:24am On Feb 23, 2023
eniola1010:
Ehn na dat credit i wan apply for. But i come dey fear say the score too low to even apply for. U see say the case carry belle
Amex is very generous with their CC. You might be approved. Use my referral link below

https://americanexpress.com/en-gb/referral/oLAITFrEy1?XL=MNANS
Travel › Re: Living In The UK: Property,Mortgage And Related by Phayie(m): 9:20pm On Feb 22, 2023
semmyk:
By fixed and variable rates, one assume you're referring to mortgage rate.
In a nutshell, the common denominator is the Bank of England base rate
For variable, your mortgage repayment varies (fluctuates) according to the BoE base rate. When the rate increases, your mortgage rate and consequentially, you repayment amount increases. Vice versa, when BoE base rate decreases.
Fixed rate on the other hand doesn't fluctuates as BoE base. You pay a fixed (predetermined) amount for the contractual period: 2yrs, 3yrs, 5yrs, 7 yrs, 10 yrs. Getting the right fixed rate (percentage, timing) comes with skills and/or deep research.
Thank you for your response.
What is the best fixed rate one should look out for
Travel › Re: Living In The UK: Property,Mortgage And Related by Phayie(m): 6:49pm On Feb 22, 2023
What's the difference between fixed and variable rates
Travel › Re: Living In The Uk-life Of An Immigrant (part 2) by Phayie(m): 12:37pm On Feb 19, 2023
Dotman23:
Good morning, please kindly assist a soul with an affordable tier 2 sponsorship link, tier 4 will expire soon and don't really go for PS visa. And I don't have 5k to buy Tier 2...Please help..For God sake.
Ask yourself if what you wrote on public forum makes sense

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