₦airaland Forum

amanze54:
Hello comrades. I know this topics has been talked about so much here.
But I am about setting out to build in Nigeria cos I have no home in Nigeria. I am divided about making tenement building or just a private house. This also looking forward to a retirement income in Nigeria in the years to come. Is tenement house still not a good venture? And does anyone has any suggestions aside erecting a rental flat in Nigeria

The location of the property in Nigeria will determine your ROI, but I have come to the conclusion that property for rentals doesn't give you great ROI in Nigeria except its a service apartment, event centres or a warehouse rented out to businesses. Tenement flats rate even in the main areas in Lagos don't even begin to compare to the amount you invested. The only reason I'll advise people to build flats for rent in Nigeria is to eventually sell years later, because rent is so so low in Nigeria compared to other countries..........might be wrong, just my point of view.

Ps: Nigeria rent is annual not monthly like UK

BuildingProject:
No they don't.
Did you apply using priority?

no, just standard. I applied on 3rd of May, but I have not got any decision. The twist is, all the people I know who applied after I did, all have got decision even up till 11th of May and they all did Standard

bamangar:
I want to ask! Can one be allowed to carry Action bitters to UK on my luggage? Hope border police and immigration won't decline ??

Hediot

Good day sirs/mas

Please I need your assistance.

I have UK Global talent visa and I have collected my BRP card which is still valid until 2026. But I have stayed 8months on a stretch outside the UK. Will I still be allowed to enter the UK?

I'm aware I cannot count the year towards ILR application in the future. I just want to know if I will be allowed to enter the UK and not denied at the port of entry

Kindly assist.

Thank you

You apply to keep it during your appointment. You can still apply for your US visa on the passport since it hasn't expired.

triplo3:
Thanks. How do I apply to keep it? Is it online as well? Or when I go for my appointment.

PS - I am renewing passport now because I want to apply for USA visit which is valid for 5yrs.

I have an Amex card that I don’t use and I think I have zero points too.
Apart from using it for daily transactions how do I build my Amex points

Solumtoya:
Credit Cards (CCs) are one of the best Credit Tools you can have but yes, like every good thing, it does have its dangers.

Most folks here are trying to build Credit Score and to be very honest, CCs are the easiest way to do so. There are so many other ways, of course, and you should do them: Registering in the Electoral Register, Setting up Direct Debits for Utility Bills, Phone/SIM Contracts, etc but from experience since these are not Credit facilities, they may not boost your score as much as a CC.

The rules of CC usage are simple: ensure you pay at least the minimum balance (usually 10% of your usage as at the statement date). So if your cycle is 1st to 30th of every month, on the 30th, you get a statement saying you have used £2,000 and you are given a grace period (typically extra 14 to 23 days) to pay back 10% or more, and whatever balance is unpaid, interest will be charged to the card after the grace period. During this grace period, the next cycle has obviously started running. And the next month balance will sum of what you spent in the month, plus the unpaid balance from the previous month and the interest added. IF YOU DON'T PAY THIS MINIMUM, YOU HAVE DEFAULTED.

Now, the main reasons why CCs are a brilliant facility are evident:
1. Their Interest-free periods means you can use them without ever paying interests: to do this, you must pay everything in full as the interest only starts counting on the unpaid balance after the grace period. An exception is usually Cash Withdrawals, Interest on Cash Withdrawals start counting immediately. Another evil trick of Cash Withdrawal is usually that their interest is higher. There's another evil of Cash Withdrawals but it might be a little technical to explain in this post. Just avoid Cash Withdrawals if you don't want interest
2. CCs are revolving, meaning they are like Overdrafts, not Term Loans, so if I have a limit of £6k, when I spend it and repay, my full limit is re-instated, so I don’t need to re-apply (ever) unless I void the contract.
3. Rewards: Most CCs earn you Miles, Points, etc for usage and referrals.
4. Fees: Many CCs come with little or no extra fees to the Cardholder. I could go on and on.

So, pretty much, you can use your Debit Card for only Cash Withdrawal and use Cash for non-Card payments, while you use your CC for everything else and pay little or no interest while building your credit score.

Now, as beautiful as it sounds, in my 7 years as a Credit Card Product Manager, I have seen so many people wallow in heavy credit card debts. The truth is most humans are not just disciplined enough to handle such an allowance of funds. They deep their hands into it at the slightest opportunity and end up living above their means. CCs are very addictive so don't get a CC if you love to spend, the CC provider would love you and keep increasing your limit and you may land in a gloomy state: you earn just £2k monthly and are given a £6k CC, as you spend and spend, they keep increasing the limit and before you know it, you have a £20k CC fully spent on that Funeral you sponsored inyou sponsored in Oshogbo and that trip to Turkey. How will you pay You break the card and start paying back £600 monthly, but that covers only the interest and the amount is NOT reducing every month. You realize you are stuck and have fallen for our trap and that is how we make our interest income and cover for those who are using the card wisely.

I'm sorry this post was really long, I even had to cut this short because I could go on and on about the benefits of CC (purchase protection, chargeback, acceptance, etc), the financially wise know this and hardly ever use Debit Cards but enjoy the benefits of a CC. The financially foolish use CCs to have fun for a few years or months and spend the rest of their lives as slaves to it. The choice is yours!

EDIT: For those who want the easy-to-get AMEX card with NO FIXED fees, you can use my referral link below. You get points for British Airways flights and and Holiday bookings. You get 8,000 points while I get 6,000:

https://americanexpress.com/en-gb/referral/jEDIDASmvK?XL=MNMNS

Wow Part 3?
Nice one, this is a good progress...
I shall testify here in Jesus name, Amen

Una do well o.

Part 3

Gift7428:
I have an Amex card that I don’t use and I think I have zero points too.
Apart from using it for daily transactions how do I build my Amex points

refer people, and pray they get approved. You can get 4,000 Avios or more for every approved referral. Then, keep using the card. Place your daily expenses/transactions on it and ensure you pay back when due. For every £ you spend you get Avios back which can come in handy later.

Lindakam:
Good evening everyone,

A colleague of mine who doesn't have a license and sadly drove above the speed was issued a notice of intended prosecution. Please how can he go about this as he doesn't have a driver's license

He's been here for about a year

This is a tough one on your friend's consequence o. He should be lucky to get a fine and if he does, he shouldn't think twice paying it cos dem fit give am ban from driving o

adefoluk:
Good day sirs/mas

Please I need your assistance.

I have UK Global talent visa and I have collected my BRP card which is still valid until 2026. But I have stayed 8months on a stretch outside the UK. Will I still be allowed to enter the UK?

I'm aware I cannot count the year towards ILR application in the future. I just want to know if I will be allowed to enter the UK and not denied at the port of entry

Kindly assist.

Thank you

Yes you will be allowed. Also you may still be able to apply for ILR with it depending on if the 8 months absence overlaps two years. The year count starts from the month you got the visa (not January to Dec) from what I understand of the guidelines I saw recently.
@All, Can anyone with lived experience confirm this?

Nairalander248:
Hediot

Calm down .. Lolz

Good day everyone,

Please I need assistance

I got to West Bromwich, Birmingham with a Skilled worker visa on sponsorship, been here since April 20th because according to my letter of employment I’m to resume 1st of May but till date all we’ve done is documentation and asked to wait for training which they’ve just only attended to 3 people out of 15. Please I need assistance in getting another source of fund because my rent is almost due and I’ve been applying for part time jobs and not been successful. Advices and assistance is really needed. Thanks

Emmy2023:
Good day everyone,

Please I need assistance

I got to West Bromwich, Birmingham with a Skilled worker visa on sponsorship, been here since April 20th because according to my letter of employment I’m to resume 1st of May but till date all we’ve done is documentation and asked to wait for training which they’ve just only attended to 3 people out of 15. Please I need assistance in getting another source of fund because my rent is almost due and I’ve been applying for part time jobs and not been successful. Advices and assistance is really needed. Thanks

You mean you came to the UK with only one month rent money?

Call him to get some money, family, friends etc .. while you keep applying for job here.

Speak to your landlord/agent etc to see if you are allowed to defer on your rent.

Ask your employer to help you with some money for the rent while they take it off your pay when you start working.

Emmy2023:
Good day everyone,

Please I need assistance

I got to West Bromwich, Birmingham with a Skilled worker visa on sponsorship, been here since April 20th because according to my letter of employment I’m to resume 1st of May but till date all we’ve done is documentation and asked to wait for training which they’ve just only attended to 3 people out of 15. Please I need assistance in getting another source of fund because my rent is almost due and I’ve been applying for part time jobs and not been successful. Advices and assistance is really needed. Thanks

Some employers are bringing in carer but don't have shift for them. On case I saw on Facebook this is the 5th month no shift

So people Need to plan and plan for the worse. Go back to your employer and let the person know the impact it having on you

EmeeNaka:
no, just standard. I applied on 3rd of May, but I have not got any decision. The twist is, all the people I know who applied after I did, all have got decision even up till 11th of May and they all did Standard

Normal turnaround time is 8 weeks if you did standard.
But I have heard of a similar case you presented.

Do paid call and do as if you just want to confirm if everything needed was submitted. 😂😁😄. Your file fit Don go enter spam mail and they forgot it in there. Although, the response will be, you need to wait 8 weeks but then, they've found your record where it is hiding.

[quote author=LagosismyHome post=123249953]Some employers are bringing in carer but don't have shift for them. On case I saw on Facebook this is the 5th month no shift

So people Need to plan and plan for the worse. Go back to your employer and let the person know the impact it having on you [We’ve contacted the employer but they keep telling us to wait, as I’m also in contact with few colleagues we are supposed to resume together, I’m just looking for assistance in getting any job at all around Birmingham ]

[quote author=Emmy2023 post=123250832][/quote]I hope you get this sorted as soon as possible, but please note that you can only take paid extra job in the same occupation as the one on your COS. Please be mindful not to create new problems while trying to get out of the current one. All the best.

Emmy2023:
Good day everyone,

Please I need assistance

I got to West Bromwich, Birmingham with a Skilled worker visa on sponsorship, been here since April 20th because according to my letter of employment I’m to resume 1st of May but till date all we’ve done is documentation and asked to wait for training which they’ve just only attended to 3 people out of 15. Please I need assistance in getting another source of fund because my rent is almost due and I’ve been applying for part time jobs and not been successful. Advices and assistance is really needed. Thanks

If it is a care worker VISA, I would advise you start applying directly to other care related jobs that are willing to sponsor, and have jobs for you to do. Most of these Care agencies are just bringing in people as a means to cash out.

In the interim, you can apply to warehouse jobs, walk into the Bullring meat market and talk to mangers on duty, they might be able to offer you something to help with your bills. All the best.

Thank you

mizGene:
Yes you will be allowed. Also you may still be able to apply for ILR with it depending on if the 8 months absence overlaps two years. The year count starts from the month you got the visa (not January to Dec) from what I understand of the guidelines I saw recently.
@All, Can anyone with lived experience confirm this?

What's the prequisite for applying.

Solumtoya:
Credit Cards (CCs) are one of the best Credit Tools you can have but yes, like every good thing, it does have its dangers.

Most folks here are trying to build Credit Score and to be very honest, CCs are the easiest way to do so. There are so many other ways, of course, and you should do them: Registering in the Electoral Register, Setting up Direct Debits for Utility Bills, Phone/SIM Contracts, etc but from experience since these are not Credit facilities, they may not boost your score as much as a CC.

The rules of CC usage are simple: ensure you pay at least the minimum balance (usually 10% of your usage as at the statement date). So if your cycle is 1st to 30th of every month, on the 30th, you get a statement saying you have used £2,000 and you are given a grace period (typically extra 14 to 23 days) to pay back 10% or more, and whatever balance is unpaid, interest will be charged to the card after the grace period. During this grace period, the next cycle has obviously started running. And the next month balance will sum of what you spent in the month, plus the unpaid balance from the previous month and the interest added. IF YOU DON'T PAY THIS MINIMUM, YOU HAVE DEFAULTED.

Now, the main reasons why CCs are a brilliant facility are evident:
1. Their Interest-free periods means you can use them without ever paying interests: to do this, you must pay everything in full as the interest only starts counting on the unpaid balance after the grace period. An exception is usually Cash Withdrawals, Interest on Cash Withdrawals start counting immediately. Another evil trick of Cash Withdrawal is usually that their interest is higher. There's another evil of Cash Withdrawals but it might be a little technical to explain in this post. Just avoid Cash Withdrawals if you don't want interest
2. CCs are revolving, meaning they are like Overdrafts, not Term Loans, so if I have a limit of £6k, when I spend it and repay, my full limit is re-instated, so I don’t need to re-apply (ever) unless I void the contract.
3. Rewards: Most CCs earn you Miles, Points, etc for usage and referrals.
4. Fees: Many CCs come with little or no extra fees to the Cardholder. I could go on and on.

So, pretty much, you can use your Debit Card for only Cash Withdrawal and use Cash for non-Card payments, while you use your CC for everything else and pay little or no interest while building your credit score.

Now, as beautiful as it sounds, in my 7 years as a Credit Card Product Manager, I have seen so many people wallow in heavy credit card debts. The truth is most humans are not just disciplined enough to handle such an allowance of funds. They deep their hands into it at the slightest opportunity and end up living above their means. CCs are very addictive so don't get a CC if you love to spend, the CC provider would love you and keep increasing your limit and you may land in a gloomy state: you earn just £2k monthly and are given a £6k CC, as you spend and spend, they keep increasing the limit and before you know it, you have a £20k CC fully spent on that Funeral you sponsored inyou sponsored in Oshogbo and that trip to Turkey. How will you pay You break the card and start paying back £600 monthly, but that covers only the interest and the amount is NOT reducing every month. You realize you are stuck and have fallen for our trap and that is how we make our interest income and cover for those who are using the card wisely.

I'm sorry this post was really long, I even had to cut this short because I could go on and on about the benefits of CC (purchase protection, chargeback, acceptance, etc), the financially wise know this and hardly ever use Debit Cards but enjoy the benefits of a CC. The financially foolish use CCs to have fun for a few years or months and spend the rest of their lives as slaves to it. The choice is yours!

EDIT: For those who want the easy-to-get AMEX card with NO FIXED fees, you can use my referral link below. You get points for British Airways flights and and Holiday bookings. You get 8,000 points while I get 6,000:

https://americanexpress.com/en-gb/referral/jEDIDASmvK?XL=MNMNS

BuildingProject:
Normal turnaround time is 8 weeks if you did standard.
But I have heard of a similar case you presented.

Do paid call and do as if you just want to confirm if everything needed was submitted. 😂😁😄. Your file fit Don go enter spam mail and they forgot it in there. Although, the response will be, you need to wait 8 weeks but then, they've found your record where it is hiding.

Okay, thanks very much. I will do that on Monday

adefoluk:
Good day sirs/mas

Please I need your assistance.

I have UK Global talent visa and I have collected my BRP card which is still valid until 2026. But I have stayed 8months on a stretch outside the UK. Will I still be allowed to enter the UK?

I'm aware I cannot count the year towards ILR application in the future. I just want to know if I will be allowed to enter the UK and not denied at the port of entry

Kindly assist.

Thank you

You have a valid BRP, I don't see why you would be denied entry

idee91:
If it is a care worker VISA, I would advise you start applying directly to other care related jobs that are willing to sponsor, and have jobs for you to do. Most of these Care agencies are just bringing in people as a means to cash out.

In the interim, you can apply to warehouse jobs, walk into the Bullring meat market and talk to mangers on duty, they might be able to offer you something to help with your bills. All the best.

Warehouse job on a Tier-2 Visa? That's not great advice. He's not permitted to work outside his sponsored line of work

Someone is asking if he came with only 1-month rent?

Coming with only money for temporary accommodation, transport, rent deposit, 1 month rent and 1 month feeding is not a crime.

He was told he will start working after 10 days and he's yet to start after 1 whole month, that should be the crime! Just unfortunate.

Solumtoya:
Someone is asking if he came with only 1-month rent?

Coming with only money for temporary accommodation, transport, rent deposit, 1 month rent and 1 month feeding is not a crime.

He was told he will start working after 10 days and he's yet to start after 1 whole month, that should be the crime! Just unfortunate.

That someone is justwise

If its a crime to come with one month rent? Yes its a travel planning crime.

You can't travel to any country with just one month rent even with promise of job and shifts.

Do that only when you have to ability to see the future.

justwise:


That someone is [b]justwise

If its a crime to come with one month rent? Yes its a travel planning crime.

You can't travel to any country with just one month rent even with promise of job and shifts.

Do that only when you have to ability to see the future.

One must always allow for just-in-case...... To avoid stories that touches the kidneys........😂😜

Lexusgs430:
One must always allow for just-in-case...... To avoid stories that touches the kidneys........😂😜

Absolutely no-brainer!

justwise:


That someone is [b]justwise

If its a crime to come with one month rent? Yes its a travel planning crime.

You can't travel to any country with just one month rent even with promise of job and shifts.

Do that only when you have to ability to see the future.

Your privileged opinion.

1month rent plus deposit and 6 weeks living expenses would probably be about £3k. That's fair for someone coming to start work few days after arrival. A student would defintely need much more.

There's a reason why the Home Office doesn't require so much proof of funds for someone coming in with a Tier-2 visa. They're coming to work not to spend several months worth of their savings. It's totally wrong and anyone who didn't plan along the lines of that mess is not the one at fault here.

Of course, it would have been better if he came in with like £10k in addition to the £10k of Visa and travel expenses (for a job with Annual salary of about £23k).

Lexusgs430:
One must always allow for just-in-case...... To avoid stories that touches the kidneys........😂😜

Absolutely. He's been here for 5 weeks and is worried he's running out soon. That's fair "just-in-case".

See this scenario: Someone gets a job of £23k. He spends about N3m on Visa. N1m on travel. Keeps extra N3m for "just-in-case" after getting a contract that he would start working few days after arrival. Now we are insinuating he should have brought in an extra N5m?

I think the guy tried biko.