zeb04:
Hello guys, please i need some advice.

I got a job in the uk after doing several rounds of interview but during the stage of processing, they took it back because of the money involved in processing( i live in Nigeria) since then, i have been applying to so many other hospital in the Uk and in Nigeria with no luck( currently jobless at the moment lost it during covid)

The insecurities and everything happening in Nigeria is really my driving factor right now and also the fact that i have 6 years experience in my occupation ( IVF clinical embryologist) with measly pay

I have a BSc in biochemistry and currently rounding up my masters in biotechnology( online masters from a university in Spain. A scholarship i won) Also i am married with 1 child. I currently sell stuffs but i do not really make money of it.

I recently applied for an Msc in adult nursing in the Uk because i am hoping to relocate and give myself and my child a better future instead of wallowing here. i have the money i saved for it.

My questions is, can i work as a nurse after schooling or is it just a waste of money?

Is there a career path in towing this way?

Isnt it better than staying idle in Nigeria without any job?

Can i get a good job while schooling to at least take care of me and my family.

Please, i need all the advice i can get. Am i mistaking a mistake?

Forgive me for sounding this EMotional. I was severely discouraged about this idea by a family member and now i am confused.

@justwise and every person on here

Chukwuka16:


Thanks for the clarification on CGTs!

My concern with mortgages on residential homes is that it becomes detrimental if I'm paying for it from my main job which seems to be the case for majority. For any equity built up, it only becomes realisable after sale. For my only house what do I intend to do if its being undervalued and I don't have a job and its chaos economically? I need a place to stay, I have no income and I'm in default with very diminished equity in a downturn?

What I've seen some folks do is have 2 houses - 1 owned by them for residential and another owned by a SPV for rent purposes. They use the rent from the rented house to pay its own mortgage and then defray some costs from their own residential house by renting out space to the SPV. This way even in an economic downturn they could still have income coming from the rented house and restructure their own residential mortgage to accommodate the top up from the rented apartment. If they had only their income to pay for their residential house then losing their jobs will make them very vulnerable.

And yes, with the expected influx from Hong Kong, it will simply push a lot of black folks from the middle class to the lower class thus widening that poor class bracket. It really is tough times ahead.

Irenenwaka:
Hello guys... is there anyone in need of a job.

I have a client who needs a full time live in carer. Experience is required with muscular dystrophy.
Location is potters bar( north london)
Pay-600-700weekly (negotiable)
Client will cater for your feeding and living expense.
Client is mixed kenyan and indian.
Age preference- 20-40years( not discriminating this is just as a result of demanding nature of the job).

You can contact me.....thanks
Ideally the candidate should be a single individual or someone with grown up kids as its gona be a full time live in role hence no time to pay attention to any dependants.

Please i would suggest you just quote me if you interested. I have been very slow with emails these days, i just had a baby.

Also please does anyone know if i am allowed to dtop my contact number on here on nairaland?? Lol i don’t want to be banned so just making sure.

I would prefer a phone call.

RAD01:
Yes.

All the best.

RAD01:
Hello,
I just saw this post on indeed.
Apply and I wish you all the best.

The Hospital Fertility Group
Clinical Embryologist with Tier 2 Sponsorship
The Hospital Fertility Group - Eastbourne BN23 6QE
£30,000 - £45,000 a year - Full-time, Part-time, Contract, Permanent

Apply with Indeed

I did. Thanks
Hopefully this one goes through.

RAD01:
Yes. NHS do sponsor HCA but you have to apply to the ones which salary is £20,480 and above. From my research and someone who got sponsored recently, you should focus on NHS in London and its environment. Pray very well too.

All the best.

elisinho:
Hello house, I need helpabout band 6 jobs i got one in Sunderland and the other in Cambridge, I need advise about which to choose considering every prospects from the two please.
treat as urgent please



help a newbie

wonlasewonimi:

It has been discussed gazillion times on this thread...get a sim only contract phone (usually less than £10/pm), get a credit builder credit card for like £150 credit limit to use and pay back in full, get on the electoral roll, sign up to credit reference agencies - free ones are credit karma, clearscore and MSE credit club. They all pull info using the original agencies APIs. Good luck!

kaad:


I'm on a tier 4 visa and trying to get a credit card as it seems necessary to build credit score. I got an offer with capital one offering up to £1,500 with 0% interest for the first 3 months and 34.9% APR. As a newbie I need your advise, does this sound good? If not what other options should I explore.
Thanks

Lexusgs430:



If your application is successful, grab it with both hands and legs.....

Pay your CC bills on time, don't spend over your limit and slowly start building your CH.....

A youtube video was dropped here, few pages ago.... Watch it and get CC educated.....

DeeOneBangin:


Sho ni CC, load am

LagosismyHome:


Buying always better than renting ...... and I wished I had bought earlier because I kept waiting for a crash that 10 years later hasn't happened. Instead the house prices keeps going up up up .

Meaning that even rent keeps going up to keep up with the current house prices. So who becomes the winner. Those who have bought.

A 3 bedroom in my area was about £900 ten years ago so was the monthly mortgage in that area. So assuming I bought my mortgage could have been £900.....(without accounting deposit, fees etc . Just comparing future monthly spend) .. 10 years later houses prices have gone up and rent is now £1,500 on the average for rent so is mortgage . The person who bought 10 years ago at least gets to pay £900 now , while someone newly buying or renting will pay £1500.... at least in London you can hardly see any area that hasn't gone up significantly in these last 10 years

If I lose my job either a rental or home owner. The struggle will be there . None is absorb from the hardship .. the prayer is that we get to keep our source of income

But at least after 25 years one of these two a rental or homeowner gets to rest and not worry about rent/mortgage for life assuming it now paid off.... yeah take a guess which of this two is free and which has to cough up money every month. ....

Having a BTL is not bad but tenant wahala still dey so there are risk. But if someone can have a BLT also, that really golden for later on . The indians really tapped into it and have used it to build generational wealth. I believe we blacks too will eventually tap into sources of generational wealth. We just dey come , these indians have been here much longer. You see 3 generations here so we still be baby . The Chinese have one or two children so a lot are coming with accumulated wealth from their economy. We Africans made the mistake of having so many children thinking the more the better. Hopefully we realised quality over quantity in building a better future

NomzyJust:
Who needs to exchange naira for gbp?

LagosismyHome:


Buying always better than renting ...... and I wished I had bought earlier because I kept waiting for a crash that 10 years later hasn't happened. Instead the house prices keeps going up up up .

Meaning that even rent keeps going up to keep up with the current house prices. So who becomes the winner. Those who have bought.

A 3 bedroom in my area was about £900 ten years ago so was the monthly mortgage in that area. So assuming I bought my mortgage could have been £900.....(without accounting deposit, fees etc . Just comparing future monthly spend) .. 10 years later houses prices have gone up and rent is now £1,500 on the average for rent so is mortgage . The person who bought 10 years ago at least gets to pay £900 now , while someone newly buying or renting will pay £1500.... at least in London you can hardly see any area that hasn't gone up significantly in these last 10 years

If I lose my job either a rental or home owner. The struggle will be there . None is absorb from the hardship .. the prayer is that we get to keep our source of income

But at least after 25 years one of these two a rental or homeowner gets to rest and not worry about rent/mortgage for life assuming it now paid off.... yeah take a guess which of this two is free and which has to cough up money every month. ....

Having a BTL is not bad but tenant wahala still dey so there are risk. But if someone can have a BLT also, that really golden for later on . The indians really tapped into it and have used it to build generational wealth. I believe we blacks too will eventually tap into sources of generational wealth. We just dey come , these indians have been here much longer. You see 3 generations here so we still be baby . The Chinese have one or two children so a lot are coming with accumulated wealth from their economy. We Africans made the mistake of having so many children thinking the more the better. Hopefully we realised quality over quantity in building a better future

TheGuyFromHR:


Well said, I agree with what you've said about homeowning as opposed to renting.

But in terms of what the Indians have generally achieved as compared to us, they haven't really been here "much longer" than us. Quite a few were here before the war, yes, but the main waves of south Asian migration to the UK occurred in the 1950s and 60s, and when the parents of people like Sadiq Khan and Rishi Sunak arrived, and the major waves of Nigerian Andrews (who remembers that?) were checking out in the late 70s and 80s and of course as things got worse progressively more arrived in the 90s and 00s.

So the south Asians' head start over us is not all that much, I think their relative success in the UK is down to their drive and family structure - you rarely hear of Indians joining gangs or not finishing their education, even when they're all crammed 3 generations into one or two rooms in that their Southall, which never gained the reputation that Peckham or Brixton did, for instance. They bring over their grandparents to bring up the UK-born children and those ones instill discipline and ambition into the children. And of course they maintain communities, helping each other to thrive relatively way more than Nigerians, for instance, do.

Lexusgs430:



That Andrew was Enebele Elebuwa...... He never got paid for that role.......

LagosismyHome:


Buying always better than renting ...... and I wished I had bought earlier because I kept waiting for a crash that 10 years later hasn't happened. Instead the house prices keeps going up up up .

Meaning that even rent keeps going up to keep up with the current house prices. So who becomes the winner. Those who have bought.

A 3 bedroom in my area was about £900 ten years ago so was the monthly mortgage in that area. So assuming I bought my mortgage could have been £900.....(without accounting deposit, fees etc . Just comparing future monthly spend) .. 10 years later houses prices have gone up and rent is now £1,500 on the average for rent so is mortgage . The person who bought 10 years ago at least gets to pay £900 now , while someone newly buying or renting will pay £1500.... at least in London you can hardly see any area that hasn't gone up significantly in these last 10 years

If I lose my job either a rental or home owner. The struggle will be there . None is absorb from the hardship .. the prayer is that we get to keep our source of income

But at least after 25 years one of these two a rental or homeowner gets to rest and not worry about rent/mortgage for life assuming it now paid off.... yeah take a guess which of this two is free and which has to cough up money every month. ....

Having a BTL is not bad but tenant wahala still dey so there are risk. But if someone can have a BLT also, that really golden for later on . The indians really tapped into it and have used it to build generational wealth. I believe we blacks too will eventually tap into sources of generational wealth. We just dey come , these indians have been here much longer. You see 3 generations here so we still be baby . The Chinese have one or two children so a lot are coming with accumulated wealth from their economy. We Africans made the mistake of having so many children thinking the more the better. Hopefully we realised quality over quantity in building a better future

TRAY2:


I remember when i posted here about buying my first mortgage just within 19 months of stay in UK, many folks were babbling, but look at what is happening now, with the new mortgage rules either you have ILR or 25% deposit, and house prices and interest rates are going up and up, even renting now is a nightmare.And someone will tell you not to rush, house prices will crash and interest rates will come down, bla bla bla, we are still waiting. I have always learnt to always go with my first gut no matter what anyone says, and it has helped me so far.

Lexusgs430:




With your brown new car (9ja stylee)...... The lion.... A true Nigerian......

If no be Peugeot, nah merc or Toyota......

TRAY2:


I remember when i posted here about buying my first mortgage just within 19 months of stay in UK, many folks were babbling, but look at what is happening now, with the new mortgage rules either you have ILR or 25% deposit, and house prices and interest rates are going up and up, even renting now is a nightmare.And someone will tell you not to rush, house prices will crash and interest rates will come down, bla bla bla, we are still waiting. I have always learnt to always go with my first gut no matter what anyone says, and it has helped me so far.

Bmuhd4smile:
Hello, anybody studying or staying at portsmouth? I need info regarding getting student jobs and general cost of living there before I pay tuition deposit. Thank you

wallg123:
When the bible said “The heart of a man is desperately wicked”, it actually meant the heart of a Blackman is desperately wicked.......

hustla:



Could you share how you did it within 19 months?
Citizen?

TheGuyFromHR:


Reasonably good and steady income.
You can buy a house on a student visa if you like, if you have the raw cash or some form of relevant income and can find a bank to give you a mortgage.

TheGuyFromHR:


Reasonably good and steady income.
You can buy a house on a student visa if you like, if you have the raw cash or some form of relevant income and can find a bank to give you a mortgage.