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Phyl123's Posts

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TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 9:57pm On Mar 13, 2022
Widall:
Hi bro. Do u have an idea how much it is in Dorchester?
The hotel?
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 9:51pm On Mar 13, 2022
AgentXxx:
Yes mostly handcraft but I can/use some basic machines too like the post machine for stitching broque and Chelsea boot, normal filing machine and the normal flat bird machine, Sold all of them...
What a shame!! Those machines are not so easy to get.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 8:50am On Mar 13, 2022
AgentXxx:
shocked Scary criteria in there... Hmmm, i might to have a rethink.... but minimum of how long do you think one could get all of the license done if one would like to settle for it? Or are they other lucrative driving jobs? Also how is leather and shoe industry in London faring? I have skills/certification in leather works most especially footwear.. does it pose as a fast way of getting employment?

Thanks for your honest feedback.... God bless
Regarding the leather work, do you hand craft or use machines? The reason I’m asking is because I handcraft leather mostly bags and hats but it’s a side job.
I think if you want to be employed by a leather factory, you will have to start as an apprentice.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 9:44pm On Mar 11, 2022
Ralphlauren:
Leave them to keep arguing oh grin

Ajo is bae. I know people that are using it to break into the property ladder. Imagining ajo is 12 months (1k each) and you pack last and then for the next cycle, you pack first. Thats 24k neat within 13 months grin That's a deposit for a house in the bag.

The caveat is to do it with people you trust and consider credible.

I can't wait to pack mine in July grin I intend to put 4k straight into my shares and stock lifetime ISA and invest the rest in shares and crypto grin i must join Lexusgs430 and wonlasewonimi in the largesse they've been getting from shares and crypto grin
Have you tried the forex robot 20% returns but it’s very risky.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 9:23pm On Mar 11, 2022
Ticha:
Oh and always set some money aside for a rainy fund. You own a house and all the responsibility is yours. Boiler breaks down? You need funds for that. Fence blows over in the storm? You pay. Toilet blocks? You pay. Basically learn to do minor house repairs on your. Painting, tiling, cleaning gutters, hanging and removing wall papers etc are all skills I have learnt from owning our own home.

Solicitor fees is usually between £300 and £600 ish

Most brokers are free to you - they get commission from the bank.

Stamp duty is payable on properties above £125k so budget for that as well - https://www.gov.uk/stamp-duty-land-tax/residential-property-rates.

If you buy a flat or apartment, you will also pay a service charge and/or lease charge plus ground rent. For any apartments, your solicitor should check how much the sinking fund is, when major repairs were last undertaken (imagine moving in and being stung for a roof replacement!) etc. Check the length of the lease. If shorter than 110 years, abandon ship!

I'll add more as I remember.
Where did you get your solicitor? mine charged me more than 2k the greedy you know what…
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 1:25am On Mar 09, 2022
Lexusgs430:
Ok, so you would rather pay £650..... Than pay £329.99...... grin
You self grin grin grin

Remember I never said don’t buy property. What I am saying is if you are going to keep it for a very long time then fine, if not, don’t buy because it not worth the stress and it ties you down to an area.

Remember during the crash, renting was cheaper than having a mortgage. It was a renters market..
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 1:19am On Mar 09, 2022
Lexusgs430:
Don't forget, you can insulate older properties too....... cheesy
And which I have already mentioned but to some extent except you are going to tear down the property.

On the other hand, with new buildings the insulation is incorporated into the brick work..
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 1:13am On Mar 09, 2022
omopapa:
So you will rather pay 950 rent than pay 500-600 mortgage?
And how did you come up with these figures?
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 9:19pm On Mar 08, 2022
omopapa:
I still disagree cus the value of the property after 5 years will most likely not be the same. The rent you are paying is lost (i.e rent money is dead money ~ oga lexusgs430)
Stamp duty , solicitors fee and mortgage fees are all lost money if you are keeping the property for lees than 5 years, there is no guarantee that the property will go up in value within 5 years . It also depends on the location of the property.
CelebritiesRe: We Wasted Our Money Going To Davido's Concert - Lady Reveals (video) by phyl123: 9:16pm On Mar 08, 2022
WebSurfer:
How people leave the comfort of their homes and important things to do, to go into smelly crowds like clubs or shows is what I can’t comprehend yet.

Especially in UK with freezing temperatures where 99.9% compulsorily wear winter jackets.

Personally, Even if you are Michael Jackson i can not go that low huh
When you go to a concert once you will understand why. How can you judge the taste of a soup that you have never tried?
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 8:58pm On Mar 08, 2022
Lexusgs430:
Solid like a rock ......... grin
Some old buildings will cost you so much to heat up because they have not been insulated properly and there is only so much you can do. The new buildings on the other hand are eco friendly and well insulated. Depending on the location most of their rooms are very big and they are so warm during the winter periods, you don’t really need the heating on for long periods.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 8:44pm On Mar 08, 2022
omopapa:
I still don’t get people that argue against this point and vote for renting
If you are not going to hang on to the property for more than 5 years, then you are better off renting. Reason being when you add up the stamp duty , solicitors fees, mortgage fees, repairs during ownership etc ..then it might be better off renting.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 8:38pm On Mar 08, 2022
Bluetherapy:
Is this how crazy the market has gotten?

Is it even advisable to buy house in this market? Imagine buying high and market crash!

But then, "rent money equals dead money"-Lexusgs430

So which way to go? Buy or continue renting?
Some people sell their property on purpose at low prices for tax purposes but to family only.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 8:48am On Mar 06, 2022
AltCtrlDel:
I consulted the oracle's but they have not spoken. Pls how do I get items bought on US websites into the UK without robbing a bank to pay duties?

Lexusgs430
TheGuyFromHR
Ralphlauren
LagosismyHome
Mamtukwas
STENON
Get a friend to buy and send it to you . They will take off the labels and fill out the custom card stating gift.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 9:12pm On Mar 05, 2022
justwise:
I haven't seen any law that forbids foreign students or foreigners living in the UK from playing gambling, i know of age restriction but visa status restriction
If a non resident wins the lottery, they can’t claim the winnings , they will have to use someone they trust.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 9:09pm On Mar 05, 2022
dupyshoo:
Please don't start this. Someone even committed murder because of this. Gambling can ruin one's life. It always starts as "just for fun".
You are right, it has destroyed many lives especially the younger ones. It’s very addictive.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 9:03pm On Mar 05, 2022
canadaishome:
I've finally been able to make payment.

But I have another issue lol
The appointment platform let me book an appointment date for April 15th. I didn't realize until this week that it is Good Friday which is a bank holiday. I don't know if they will really open that day.
Is there a fast Way to contact Nigeria high commission? Their phone never gets answered
Same thing happened to me until I saw your post, I’ve just gone to reschedule.
TravelRe: Ukrainian Embassy Says Nigerian Volunteer Fighters To Pay $1000 For Visa, Ticket by phyl123: 10:13am On Mar 04, 2022
When the citizens of a country are willing to migrate to a war zone just to feed their families huh huh huh
Shame on the Nigerian government, you are an international embarrassment.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 7:45pm On Mar 01, 2022
For those that have been trying to renew your Nigerian passports, it’s easy to book an appointment now but you need your nin number which is also easy to do for £40.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 7:47pm On Feb 18, 2022
umarwy:
landlord or his insurance

Unless someone in your house bears eunice
grin grin grin Auntie Eunice from the village came to visit, uncle Dudley came two days ago. grin grin grin
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 7:44pm On Feb 18, 2022
kaylov12:
I will like to ask the house who bears the cost of damaged fence.

Eunice broke my fences on both sides, do I or the Landlord bear the cost.... Waiting for responses...
Thank you.
It’s the landlord, but on the lease it could be the neighbour, nothing to do with the tenant.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 9:38pm On Feb 12, 2022
justwise:
You know during the pandemic the govt was busy dishing out money to businesses without checking if some of these businesses actually exist.
Paying people to stay at home even as many are actually working. People claimed £££££££ fraudulently because the govt was willing to give out taxpayers money like candy

Now is the time to payback and its going to be painful.
Some of those Claimers have liquidated their businesses thinking that the government will not come after them personally. They’re going to get the shock of their lives when HMRC comes knocking.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 9:50am On Feb 12, 2022
deept:
How come UK people don't protest with all these tax hikes, increase in the price of goods and services etc but when it comes to blm, lgbtq, climate change them dey full streets
From April 2022 your NI contribution will be going up by. 1.25% . Some people who their energy companies went bust have had to see rises of 54%. Those pensioners who have only got their pension to rely on are going to find it very hard. You don’t worry the protesters are on their way. Wages need to go up in line with inflation and this is not going to happen especially for the government workers. I see a lot of protests this summer.
EducationRe: Cynthia Okafor Is University Of Ibadan Best Pharmacy Graduating Student by phyl123: 5:40am On Feb 11, 2022
Congratulations Cynthia, well done. Putting other peoples private details on social media.is not a very bright idea.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 11:03pm On Feb 07, 2022
obalala:
I'm the person that complained about the flies earlier and I'm beginning to think my neighbour is either dead or travelled on holidays with something rotten in the apartment. cos last weekend it just occurred to me I don't see any lights on, through his/her window + loads of those house fly around his window. I just moved to the apartment, so I don't know who stays next to mine only info I have is that the apartment belongs to my Landlord's brother cc @phyl123 .
This is serious….. sad

Why don’t you speak to your landlord first, in case he has a key to the apartment.
EducationRe: Nigerian Student Hid Food Under Table To Eat While Lecture Was Ongoing by phyl123: 2:58pm On Feb 07, 2022
Whao!

So this is news huh huh

Don’t give up your day job.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 1:32pm On Feb 07, 2022
Viruses:
I was happy when I read about somebody that was seeing flies in his apartment because is sign of spring grin
It’s not a good sign at all, shocked it could be that there’s something dead somewhere between the walls or the flies are hibernating somewhere in the apartment. shocked
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 8:26am On Feb 07, 2022
Lexusgs430:
Let's buy it and hold them hostage ......... grin
Better to buy it and sell it back to them a hundred folds. grin
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 8:21am On Feb 07, 2022
Viruses:
It's my first winter here and I'm already scared of the next.
Winter has not started yet… huh huh grin grin

Just joking….
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 12:56pm On Feb 06, 2022
Lexusgs430:
Do you know what they call you, on their forums ........ grin
Two wrongs don’t make a right. One day a person will forget him or herself and go and use it somewhere and land in hot water, so we have to start correcting ourselves here if we don’t want to be hearing about stories that touch the heart.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 12:25pm On Feb 06, 2022
toyclicks:
But then, I keep seeing these Paki guys driving like it's Need for Speed abi Grand Theft Auto.
I keep wondering wetin be there back up
Using that word is unacceptable, it doesn’t matter if this is a Nigerian forum . Let’s try and practice what we preach.
TravelRe: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 4:26pm On Feb 02, 2022
mex551:
Coventry
I don’t know much about Coventry, so maybe your best bet is to chat with the African or Asian meat sellers.

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