Hello ,
I am a Dom carer and I use my personal car to do the job and I came accross this tax relief program online https://www.gov.uk/tax-relief-for-employees/vehicles-you-use-for-work
(Home Care Worker Mileage Allowance tax Relief).
So how do I go about making this claim and I hope this is not a public fund o .

BorisJohnson:


Chai…. We’ve been discussing this with my husband oh….

Our biggest issue is raising deposit for our own place. It’s tough.

Not as tough as you might think ........ If you regularly send money to Nigeria, calculate that figure......

Draw out a savings plan and stick to it......

Join osusu.........

Get another paying gig ....... Work extra as much as you can (for a set duration)..... Might mean less quality time together, but the end justifies the means .......

NO PAIN ..... NO GAIN ....

First Direct

Phayie:



Abeg which bank is given £175 for switching

It won’t, that is what am enjoying oo Carry on!!!

mex551:
Random thought, is it possible to get someone in Nigeria to open a Netflix account for me and send the password to me here as it seems paying from Naija is cheaper. Will the IP address betray me ?

Alexia20:
Hello ,
I am a Dom carer and I use my personal car to do the job and I came accross this tax relief program online https://www.gov.uk/tax-relief-for-employees/vehicles-you-use-for-work
(Home Care Worker Mileage Allowance tax Relief).
So how do I go about making this claim and I hope this is not a public fund o .

Does your employer reimburse you for your travel expenses? If no, you would need to complete a self assessment to claim the tax relief.

Lexusgs430:
I received a whatsapp message, from one of us here.....

He said my rent mantra (RENT MONEY IS DEAD MONEY)...... Did not mean so much to him...... Until.....

His rent is currently is £1350.00 pcm (3 bedroom house) ....... He came across his Landlord's letter, from mortgage provider.......

The mortgage on the property is £355.47 pcm ......

After the cost of building insurance, LL is relaxing on almost £1000 pcm (What a return on investment)......

If you want your LL to keep doing dorime with your money.......... Keep renting, don't buy .......

RENT MONEY IS DEAD MONEY.........

I suspect that mortgage is low because it's an interest only mortgage which most Landlords prefer.

Thanks a lot.

claremont:


I suspect that mortgage is low because it's an interest only mortgage which most Landlords prefer.

Or he bought the property a long time ago and therefore the mortgage has reduced accordingly.

bluebella:
Good day elders,
Please for those that have applied for IHS refund.
My spouse has worked in the Health care industry for the past one year and about to apply for the IHS refund.
Can she include the children as well? (knowing that the children dont have payslips to show)?


Thanks in advance for the responses

Refund will apply automatically to you and the children once you include their IHS number.

claremont:


I suspect that mortgage is low because it's an interest only mortgage which most Landlords prefer.

Or property purchased many moons ago ........

Regardless of situation/circumstances.......

It's always best to build your own equity pot, than building your LL's pot, which never benefits any tenant .......

It'll work for some months, then shut you out and redirect you to re-register, this time with Pounds.

mex551:
Random thought, is it possible to get someone in Nigeria to open a Netflix account for me and send the password to me here as it seems paying from Naija is cheaper. Will the IP address betray me ?

Focus99:
This is so heartbreaking. COS or CAS are your options now.
Could you please tell us the name of your school?

The OP did. Knowing the uni, I penned a reply based on the academic regulations for the school.
Hopefully, OP is in a better state now.

semmyk:
... ...
Below are from your university.
... ... ... ...

claremont:


I suspect that mortgage is low because it's an interest only mortgage which most Landlords prefer.

or the LL has almost finished paying the mortgage

lightnlife:
It'll work for some months, then shut you out and redirect you to re-register, this time with Pounds.

Been using someone's Netflix for months now with 0 issues unless Im missing something

AgentXxx:
It won’t, that is what am enjoying oo Carry on!!!

Can one do this with Apple Music too? Paying in naira is way cheaper.

Oakande:


Can one do this with Apple Music too? Paying in naira is way cheaper.

Or better still, get an android device with modded audiomack or spotify........😜🤣😁

Mine has been working for almost one year and my sister who stays in an Asia country also share this account too. Maybe Netflix get personal beef with you ni

lightnlife:
It'll work for some months, then shut you out and redirect you to re-register, this time with Pounds.

I haven’t use it for this but it probably would work. Give it a trial

Oakande:


Can one do this with Apple Music too? Paying in naira is way cheaper.

Lexusgs430:
I received a whatsapp message, from one of us here.....

He said my rent mantra (RENT MONEY IS DEAD MONEY)...... Did not mean so much to him...... Until.....

His rent is currently is £1350.00 pcm (3 bedroom house) ....... He came across his Landlord's letter, from mortgage provider.......

The mortgage on the property is £355.47 pcm ......

After the cost of building insurance, LL is relaxing on almost £1000 pcm (What a return on investment)......

If you want your LL to keep doing dorime with your money.......... Keep renting, don't buy .......

RENT MONEY IS DEAD MONEY.........

Good morning boss. Can a new immigrants attempt to buy a house without any authority rasing high brow and when do you suggest such worker to do it after entering and what does such worker needs.

Morning Comrades. I attempt to book articles and airframe told me I would need a transit visa. Abeg. Which airline is best to Birmingham for a nursing mother without much delay and doesn't require a transit visa to get to UK.

And thirdly, i saw some airlines putting dollar amount as there fare , I hope I can make payment with transfer or via my normal naija visa card and which is the easiest way in making the payments Thanks.

slimanyd:


Good morning boss. Can a new immigrants attempt to buy a house without any authority rasing high brow and when do you suggest such worker to do it after entering and what does such worker needs.

If the new immigrant can fulfill all the prerequisites....... (not unless the new immigrant is paying cash)….......😁

Even with cash payment, you would trigger another process .......😜

slimanyd:
Morning Comrades. I attempt to book articles and airframe told me I would need a transit visa. Abeg. Which airline is best to Birmingham for a nursing mother without much delay and doesn't require a transit visa to get to UK.

And thirdly, i saw some airlines putting dollar amount as there fare , I hope I can make payment with transfer or via my normal naija visa card and which is the easiest way in making the payments Thanks.

Yes, Airfrance requires a Transit Visa to travel through France.

I think all direct flights to Birmingham pass through transit countries. (You might wanna give Turkish Airlines a look)

Prices quoted in USD are paid in USD. You can't make a transfer and your naira visa card wouldn't work.

Qatar Airways quotes their prices in Naira and they accept Bank Transfer. If you decide to use that, I have put my Privilege Club link here https://www.qatarairways.com/en-in/Privilege-Club/join-now.html?P1=Ry93TElJemw4REU9&R1=UTd1NEFuN3hwUUovQTFVMlRORnZEZz09&iid=ALL97317200 its a referral scheme where you get 3000 avios for registering

Cheers

Lexusgs430:



If the new immigrant can fulfill all the prerequisites....... (not unless the new immigrant is paying cash)….......😁

Even with cash payment, you would trigger another process .......😜

Lol. Another process . When I discover the loopholes in the cheating I read above about someone paying such amount monthly and the monthly mortgage paid by the real owner sef monthly no reach half of what tenants are paying. Its real dead money o. It pays to kuku pay 600£ monthly for 15 years than to give this useless LL the opportunity to dey rip person nah.

CowbellY:


Yes, Airfrance requires a Transit Visa to travel through France.

I think all direct flights to Birmingham pass through transit countries. (You might wanna give Turkish Airlines a look)

Prices quoted in USD are paid in USD. You can't make a transfer and your naira visa card wouldn't work.

Qatar Airways quotes their prices in Naira and they accept Bank Transfer. If you decide to use that, I have put my Privilege Club link here https://www.qatarairways.com/en-in/Privilege-Club/join-now.html?P1=Ry93TElJemw4REU9&R1=UTd1NEFuN3hwUUovQTFVMlRORnZEZz09&iid=ALL97317200 its a referral scheme where you get 3000 avios for registering

Cheers

Great bro. Would check the Qatar option then. Thnaks.

CowbellY:


Yes, Airfrance requires a Transit Visa to travel through France.

I think all direct flights to Birmingham pass through transit countries. (You might wanna give Turkish Airlines a look)

Prices quoted in USD are paid in USD. You can't make a transfer and your naira visa card wouldn't work.

Qatar Airways quotes their prices in Naira and they accept Bank Transfer. If you decide to use that, I have put my Privilege Club link here https://www.qatarairways.com/en-in/Privilege-Club/join-now.html?P1=Ry93TElJemw4REU9&R1=UTd1NEFuN3hwUUovQTFVMlRORnZEZz09&iid=ALL97317200 its a referral scheme where you get 3000 avios for registering

Cheers

But can I make payment via dom account atm card. ? I check the Qatar Airways flight now. The earliest date is 26th of April which is far far.

Oakande:


Can one do this with Apple Music too? Paying in naira is way cheaper.

Apple Music might not work except you already have the app signed in from Nigeria before coming in.

Spotify is working though

slimanyd:


Lol. Another process . When I discover the loopholes in the cheating I read above about someone paying such amount monthly and the monthly mortgage paid by the real owner sef monthly no reach half of what tenants are paying. Its real dead money o. It pays to kuku pay 600£ monthly for 15 years than to give this useless LL the opportunity to dey rip person nah.

Hmm!!!

No be all Landlords dey rip off though... Nah £450 me dey pay oooo

Lexusgs430:



Or better still, get an android device with modded audiomack or spotify........😜🤣😁

How did you get the modded audiomack? Cracked files?

Lexusgs430:
I received a whatsapp message, from one of us here.....

He said my rent mantra (RENT MONEY IS DEAD MONEY)...... Did not mean so much to him...... Until.....

His rent is currently is £1350.00 pcm (3 bedroom house) ....... He came across his Landlord's letter, from mortgage provider.......

The mortgage on the property is £355.47 pcm ......

After the cost of building insurance, LL is relaxing on almost £1000 pcm (What a return on investment)......

If you want your LL to keep doing dorime with your money.......... Keep renting, don't buy .......

RENT MONEY IS DEAD MONEY.........

Rent money is dead money for those wey get money for deposit and the residence status to buy house.
Given current prices and all the wahala, that excludes many people, even those wey be native Brits.

For many people wey just move here carrying their 3 pikins at the age of 45, buying a house fit no work for them yet because before you stabilise it might take a while and saving a deposit of 25% no be easy thing depending on how much you earn and where you dey plan buy house.

Quite a lot of these landlords bought these houses as ex-council houses in the 80s. Interest rates were indeed very high then, up to 15%, but the houses themselves were very cheap, such that almost everyone could afford to buy a house on one salary, with the man working and the woman raising the children, like it used to be in Naija. Now these days, even with most families having two incomes, house prices are so high that to see deposit na war.

Like everything else in life, everybody path go dey different. The amount of squeezing oneself and tightening belt beyond all the holes wey malam fit put inside the leather is a whole lot unless you dey somewhere were prices are low-ish, but those places are usually not where the jobs are. If you wan buy house for Jigawa, price cheap, but work no dey there. If you wan buy house for Lagos, price no be here, but na there work dey and you fit grow your career.

Buying houses outside areas commutable to such places also ties you down. If you buy house for Jigawa, live there for 1 years, come see better work for Abuja, how you wan go take am? You can only rent out a house on a residential mortgage for a limited period.

Demonising landlords is not helpful. Landlords too na human beings, no be all of them dey exploit. Some are paying interest only mortgages (which is why that money might be low), some too worked their arses off to save deposits and buy houses, so all na their own profit too. I own property in Nigeria. I buy the land for cash after saving from my pay, and took a loan from my bank to add to the money to build the house, which I built over time as salary worker wey I be. With all the yawa wey dey Naija, some of my tenants asked for consideration, come dey pay me rent in instalments sotay I fit see rent in 6 or 7 pieces. I evicted no one, still dey service my loan dey go. Some landlords are lousy, some are not.

And looking at the money spent on housing as a loss no be the best way to look at things. Person get to spend money on services, so you go spend money on transport, that one na money for Lothian Buses or ScotRail pocket, and e don go. You spend money on food, you go shit am out, and e don go too. As a new immigrant without a 25% deposit or Tier 2 visa and a willing lender, you go spend money on housing and that one too na service and that one too go go as well. It is what it is. Overthinking all that one no worth am.

If you get ability to save for a deposit and can afford a house, with all the stress testing of income and everything, go for it. If you cant, your rent money is definitely not dead money, it is paying for your shelter, which is one of the neccessities of life, like food, transport, healthcare, all intangible services wey no dey leave you with a physical asset after delivery.

hustla:


How did you get the modded audiomack? Cracked files?

If i tell you..... I would have to shoot you .......😜😁