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Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 3) (496236 Views)
Living In The Uk-life Of An Immigrant (part 2) / Living In Canada/Life As A Canadian Immigrant Part 2 / Living In The Uk/life As A UK Immigrant (2) (3) (4)
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Re: Living In The Uk-life Of An Immigrant (part 3) by dozzynet(m): 8:18am On Jul 08, 2023 |
Lexusgs430:Thanks a lot |
Re: Living In The Uk-life Of An Immigrant (part 3) by Jcole123: 8:35am On Jul 08, 2023 |
Viruses: Okay thanks for the info 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by Jcole123: 8:41am On Jul 08, 2023 |
Lexusgs430: Thanks man but your comment is contradictory go what @Viruses said that personal loan has a higher interest than HP or PCP. Llyods bank said car finance of Β£7000 and above attracts a 5% interest monthly |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 8:48am On Jul 08, 2023 |
Jcole123: He was very very very very wrong............. Have you asked yourself why your bank would not offer you a bank loan, but are happy to offer you a PCP or HP......... One of the reasons, a lien on the vehicle + make more money from you........ Unless you are buying directly from the manufacturer, with mouth watering APR rates.......... Once the vehicle is offered by a 3rd party, they must attempt to milk you........ π€£ππ NB : You can't get a PCP deal @ Β£7000....... Nah Peugeot 404 you wan buy........ π Viruses meant, personal loan is best....... But his keyboard got attacked by a virus...... ππ 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by hustla(m): 8:52am On Jul 08, 2023 |
Lexusgs430: Unfortunately, I'm addicted to stock Android Samsung is a no no for now |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 8:55am On Jul 08, 2023 |
hustla: I am loving my GP7Pro, but the Fold offers another level of experience......... Maybe because my eye's don dey reach retirement age..........π€£π |
Re: Living In The Uk-life Of An Immigrant (part 3) by Jcole123: 9:17am On Jul 08, 2023 |
Lexusgs430: Can't you buy a used car with a PCP or HP deal? Must it be a new car? |
Re: Living In The Uk-life Of An Immigrant (part 3) by Nobody: 9:20am On Jul 08, 2023 |
Jcole123: You can, but PCP in particular will only be available for newer cars. No dealer/bank wants to be stuck with a very old car at the end of your PCP term if you decide not to pay the lump sum to purchase it. Honestly, I think you'd be best served doing a lot of googling on this issue because it's way too subjective for anyone to prod you one way or another. It all depends on if you want the car long-term, how much you're willing to pay, your mileage etc. 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 9:30am On Jul 08, 2023 |
Jcole123: PCP - New.... HP - New & used.... |
Re: Living In The Uk-life Of An Immigrant (part 3) by hustla(m): 9:39am On Jul 08, 2023 |
Lexusgs430: Fold is for rich men Is the camera on the Fold on par with the 7 Pro's own? |
Re: Living In The Uk-life Of An Immigrant (part 3) by Jcole123: 9:47am On Jul 08, 2023 |
Lexusgs430: Okay thanks. I found the interst rate comparison on their website
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Re: Living In The Uk-life Of An Immigrant (part 3) by Phayie(m): 9:48am On Jul 08, 2023 |
cbn4main: No charges |
Re: Living In The Uk-life Of An Immigrant (part 3) by Jcole123: 9:52am On Jul 08, 2023 |
Lexusgs430: @Lexusgs430, is it compulsory to pay a deposit fee before you can get HP car finance |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 10:28am On Jul 08, 2023 |
Jcole123: No....... Depends on the deal/dealer........ |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 10:30am On Jul 08, 2023 |
hustla: The camera on the fold is very very good........ But how many rich men, buy the fold, for the camera.......... π€£ππ |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 10:33am On Jul 08, 2023 |
Jcole123: I have very strange feeling, they would offer you the 29.9% Apr.......... π |
Re: Living In The Uk-life Of An Immigrant (part 3) by Peerielass: 10:34am On Jul 08, 2023 |
yusufDeveloper: Iβve had a look at the link and it looks like they register the company and also provide business address. The more expensive package includes PAYE and VAT registration but no mention of completing your books so you will still need an accountant for that bit. No need for VAT registration until you hit the Β£85,000 threshold although you can register voluntarily if you want to claim back VAT on purchases. Regarding PAYE, your accountant will be able work out the best combination of salary and dividend that will maximise your earnings and minimise your tax liability. You will also need to complete a self assessment tax return for yourself and company tax return yearly and pay any taxes due before the specific deadlines. Sorry Iβm not able to recommend an accountant for you as Iβm based in Scotland but I would suggest finding one local to you. If you have friends that are already contracting/self employed, you can ask them. Referrals based on personal experience is usually the best way forward. Good luck. 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by lavida001: 10:39am On Jul 08, 2023 |
rinzylee: I heard Even if you no use am. You go still dey pay interest. Is that true |
Re: Living In The Uk-life Of An Immigrant (part 3) by Peerielass: 10:39am On Jul 08, 2023 |
Jcole123: The deposits usually vary - some will ask for 3 months rental as deposit while other might ask for just 1 month. My understanding is the more deposit you put down, the lower your monthly repayment amount. |
Re: Living In The Uk-life Of An Immigrant (part 3) by lavida001: 10:44am On Jul 08, 2023 |
Viruses: How do we learn if we donβt dissect and analyse issues ? 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by QuantAnalyst: 10:45am On Jul 08, 2023 |
Quick question please. Who pays for IHS fee during visa sponsorship? Is it the company/sponsor or the individual? I understand that NHS and care jobs are exempted so I am enquiring about jobs in Tech, Finance, Banking etc |
Re: Living In The Uk-life Of An Immigrant (part 3) by hustla(m): 10:52am On Jul 08, 2023 |
lavida001: Interest, no Maybe if you use a card that has monthly / yearly charges One I use is free Can provide a link if you want |
Re: Living In The Uk-life Of An Immigrant (part 3) by hustla(m): 10:53am On Jul 08, 2023 |
Lexusgs430: As I never come rich, make I face my front |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 11:01am On Jul 08, 2023 |
lavida001: What are you paying interest on, if your balance is Β£0.00.......π 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by lavida001: 11:30am On Jul 08, 2023 |
Lexusgs430: Thanks for the clarification egbon adugbo |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 11:32am On Jul 08, 2023 |
hustla: You are not homeless, not jobless, not hungry, not dehydrated, no ill health ...... You're very rich....... π€£ |
Re: Living In The Uk-life Of An Immigrant (part 3) by Viruses: 11:37am On Jul 08, 2023 |
Lexusgs430: Which bank is this? I just checked again this morning, Lloyds is doing 16.3%, Barclays 20%. I am not able to take screenshot |
Re: Living In The Uk-life Of An Immigrant (part 3) by Viruses: 11:39am On Jul 08, 2023 |
Peerielass: Which bank please? |
Re: Living In The Uk-life Of An Immigrant (part 3) by rinzylee(m): 11:49am On Jul 08, 2023 |
lavida001: I don't think so. I asked the customer service guy yesterday. |
Re: Living In The Uk-life Of An Immigrant (part 3) by Peerielass: 11:49am On Jul 08, 2023 |
Viruses: Like I said, itβs based on eligibility, credit history and personal circumstances. I get offers like that regularly from my banks. I bank with HSBC, Barclays, TSB, MBNA etc but I rarely take them up.
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Re: Living In The Uk-life Of An Immigrant (part 3) by rinzylee(m): 11:49am On Jul 08, 2023 |
Lexusgs430: Ok Chief...I'd so asap @direct debit |
Re: Living In The Uk-life Of An Immigrant (part 3) by rinzylee(m): 11:50am On Jul 08, 2023 |
Focus99: Playstore or apple store 1 Like |
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Travelling To Canada Part 3 / I Am A U.S. Consular Officer: Ask Me Your Visa Questions. / USA Visit Visa Part 4
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