₦airaland Forum

missjekyll:
What do you do when a stranger messages you out of the blue to ask for

1. Money for burial
2. A job( he makes 30000 at his current job)
3.Psychological counselling for depression

#scratchingmyheadvigorously
Any advice or help for this gentleman ? I m batting a big fat zero on all counts.

Sorry if this is not the thread for it but I m stumped,honestly.

Datakey:
Good morning house

Please how do I check CC eligibility without a hard search on my credit score?

Thanks

horlahxeyi:
good day all, Please I am leaving UK to work in another country but will visit at 3 months interval.
i have gotten my p45.
i have active ISA account, how can i handle this.
also I am a dependant with 3 years left on COS to complete 5 yrs, what are my do and dont to also qualify for ILR after 5yrs.
how can I be a part of our family mortgage (if possible), if not possible, which other route can i explore to buy mortgage property.

thanks .

Zahra29:
Continuous residence is a key requirement. To qualify for ILR after 5 years, you can't have spent more than 180 days outside the UK in any 12-month period during this time.

horlahxeyi:
kindly explain in layman language for me, is it that i must be in UK 180 days out of 365 days ( a year) or i should be outside the UK for 180 days within a year?

thanks

Lexusgs430:
I would link the burial and employment status together..... We have cheaper ways of burying the dead....

- Go for cheapest option available (cheap coffin, cremation etc etc... No burial party... Low paying job, means nothing available for frivolities (cut your cut according to your material)......

I would wager that the reason for the depression, is most likely linked to the burial and job situation...... A situation you cannot help, don't worry about it..... (my mantra)

Cyberknight:
Cakeism US style.
Lower corporate taxes and it certainly doesn't "trickle down" in higher pay - companies simply book higher profits.

Zahra29:
Lol I'm breathing great. Unlike some,I was bracing myself for Trump 2.0 so I'm not shocked at all.

On a serious note, Trump's new border tsar sounds ruthless, Elon and Vivek are going to make sweeping cuts to their civil service, Obamacare might not survive or might get slashed to bare bone, tariffs might end up pushing prices of consumer goods sky high while the rich get even richer, and the country is likely to become even more divided. I'm thankful as always that I don't live in the US.

justwise:
University cash crisis to get worse despite tuition fee rise, BBC told



Almost three quarters of universities in England will face financial problems next year - despite tuition fees increasing, the BBC has been told.

A report to be published on Friday - seen by the BBC - reveals how financial issues faced by most universities are even worse than previously thought. The Office for Students (OfS) predicts more than a third are likely to have serious cash flow problems.

Speaking exclusively to the BBC, Sir David Behan, the regulator’s chairman, called for radical change, saying course closures and university mergers might be needed for financial stability.

The government is considering the long-term funding and reform of universities.

Tuition fees in England will rise for current and existing students by £285 to £9,535 a year for those on full-time degrees, in autumn 2025.

Even so, new analysis by the OfS, the independent regulator of higher education in England, will show a worsening position for universities, the BBC understands.

The regulator had said it expected 40% of universities to be in financial deficit in 2023-24.

Now the OfS says by 2025-26, 72% could be spending more money than they have coming in and may have to use an overdraft or financial reserves.

In 40% of institutions, cash flow may become so tight there will only be enough money in the bank to cover one month at a time of bills including salaries.


Universities that traditionally required higher entry grades have fared better, because they have simply taken a bigger share by accepting some students with lower results.

This has led to lower recruitment and increased pressure in universities that accept middling grades, and some smaller institutions.

International recruitment has also fallen, with overall visa applications down by about 16% this year, and 20% fewer applications from India alone.

Since January, most international students have been banned from bringing family members to live with them in the UK.

The rule was introduced last year by Rishi Sunak's government, which committed to bringing immigration numbers down.
https://www.bbc.co.uk/news/articles/c14lv7e61d3o

@Zahra29

missjekyll:
What do you do when a stranger messages you out of the blue to ask for

1. Money for burial
2. A job( he makes 30000 at his current job)
3.Psychological counselling for depression

#scratchingmyheadvigorously
Any advice or help for this gentleman ? I m batting a big fat zero on all counts.

Sorry if this is not the thread for it but I m stumped,honestly.

justwise:
University cash crisis to get worse despite tuition fee rise, BBC told



Almost three quarters of universities in England will face financial problems next year - despite tuition fees increasing, the BBC has been told.

A report to be published on Friday - seen by the BBC - reveals how financial issues faced by most universities are even worse than previously thought. The Office for Students (OfS) predicts more than a third are likely to have serious cash flow problems.

Speaking exclusively to the BBC, Sir David Behan, the regulator’s chairman, called for radical change, saying course closures and university mergers might be needed for financial stability.

The government is considering the long-term funding and reform of universities.

Tuition fees in England will rise for current and existing students by £285 to £9,535 a year for those on full-time degrees, in autumn 2025.

Even so, new analysis by the OfS, the independent regulator of higher education in England, will show a worsening position for universities, the BBC understands.

The regulator had said it expected 40% of universities to be in financial deficit in 2023-24.

Now the OfS says by 2025-26, 72% could be spending more money than they have coming in and may have to use an overdraft or financial reserves.

In 40% of institutions, cash flow may become so tight there will only be enough money in the bank to cover one month at a time of bills including salaries.


Universities that traditionally required higher entry grades have fared better, because they have simply taken a bigger share by accepting some students with lower results.

This has led to lower recruitment and increased pressure in universities that accept middling grades, and some smaller institutions.

International recruitment has also fallen, with overall visa applications down by about 16% this year, and 20% fewer applications from India alone.

Since January, most international students have been banned from bringing family members to live with them in the UK.

The rule was introduced last year by Rishi Sunak's government, which committed to bringing immigration numbers down.
https://www.bbc.co.uk/news/articles/c14lv7e61d3o

@Zahra29

justwise:
University cash crisis to get worse despite tuition fee rise, BBC told



Almost three quarters of universities in England will face financial problems next year - despite tuition fees increasing, the BBC has been told.

A report to be published on Friday - seen by the BBC - reveals how financial issues faced by most universities are even worse than previously thought. The Office for Students (OfS) predicts more than a third are likely to have serious cash flow problems.

Speaking exclusively to the BBC, Sir David Behan, the regulator’s chairman, called for radical change, saying course closures and university mergers might be needed for financial stability.

The government is considering the long-term funding and reform of universities.

Tuition fees in England will rise for current and existing students by £285 to £9,535 a year for those on full-time degrees, in autumn 2025.

Even so, new analysis by the OfS, the independent regulator of higher education in England, will show a worsening position for universities, the BBC understands.

The regulator had said it expected 40% of universities to be in financial deficit in 2023-24.

Now the OfS says by 2025-26, 72% could be spending more money than they have coming in and may have to use an overdraft or financial reserves.

In 40% of institutions, cash flow may become so tight there will only be enough money in the bank to cover one month at a time of bills including salaries.


Universities that traditionally required higher entry grades have fared better, because they have simply taken a bigger share by accepting some students with lower results.

This has led to lower recruitment and increased pressure in universities that accept middling grades, and some smaller institutions.

International recruitment has also fallen, with overall visa applications down by about 16% this year, and 20% fewer applications from India alone.

Since January, most international students have been banned from bringing family members to live with them in the UK.

The rule was introduced last year by Rishi Sunak's government, which committed to bringing immigration numbers down.
https://www.bbc.co.uk/news/articles/c14lv7e61d3o

@Zahra29

justwise:
University cash crisis to get worse despite tuition fee rise, BBC told



Almost three quarters of universities in England will face financial problems next year - despite tuition fees increasing, the BBC has been told.

A report to be published on Friday - seen by the BBC - reveals how financial issues faced by most universities are even worse than previously thought. The Office for Students (OfS) predicts more than a third are likely to have serious cash flow problems.

Speaking exclusively to the BBC, Sir David Behan, the regulator’s chairman, called for radical change, saying course closures and university mergers might be needed for financial stability.

The government is considering the long-term funding and reform of universities.


@Zahra29

Treadway:
lol
Zahra, don't worry

We all will be here to witness how he will do well, just like last time. He will tweet a lot, but he will still do the job. He won't go after his political enemies, just as he didn't do so the last time. The ones who weaponised the Justice dept and went after political enemies just got booted out in historic fashion by Americans..200x worse than what the Tories faced in the Youkay🤣🤣🤣. Imagine losing on ALL fronts. That is a damning indictment and a true testament to what failure looks like.

He won't mismanage 1b USD on Oprah and Beyonce like one airhead I know. If Diddy was not in trouble, himself for collect from the largesse. Lol

Lexusgs430:
This issue is going to get worse....... You can only increase the fees, so much..... Before it starts becoming unreasonable/home students refuse to be extorted......

I have attended 4 graduation ceremonies, in the last week..... I would tell you, 95% of the names called were Nigerian names........ 😁

Some universities, would be going bust...... 🤣

babajeje123:
That course closure is real. Wify couldn't do her Msc Financial Mathematics at Middlesex, she was advised to do Data Science which we declined.

Zahra29:
I 💯 support a reform. I've stated a few times that many universities are operating as business centres, focused on making as much profit as possible, chancellors getting paid handsome sums, while the market value of many of their degrees is not worth the student debt incurred.

On LBC yesterday, a number of young graduates called in to share their experiences post graduation. Many have struggled to find a decent job despite getting good grades. Some lamented that they had been sold a lie and if they had known better they would have made different choices such as a degree apprenticeship or skipping university altogether and going straight into work/business.

Many universities need to become more competitive to attract both home and international students. Unfortunately some will have to downsize (tbh a number of universities over-expanded in the boom period post COVID),or even close down, if they are not able to survive without the over reliance on immigration from India and Nigeria. Reality is with the current exchange rates, they would struggle to recruit enough students from both countries unless they offer huge discounts.
Many businesses are unfortunately having to make significant adjustments in the recent downturn, I think some universities will have to do the same .

justwise:
Universities are not charity originations, they are business origination and education is their product. Govt got involved when they included student visa in net-immigration count which wasn't the case yrs ago.

Govt withdrew financial support from universities leaving them to source for fund through international students, both the govt and universities got greedy because of the money coming in from international students and allowed in as many that are willing to pay for it.

No visa interview, it was a question of ..do you have the money? Yes then come in with your husband, wife and children.

International students were subsiding home students tuition fees for yrs even with those mickey mouse courses in place and nobody complained until the govt introduced the sweeping immigration policy that affected international students

Zahra29:
Lool Oprah claims she didn't receive a personal fee oh, the $1m that was paid went to her production company to pay the crew etc

Zahra29:
I 💯 support a reform. I've stated a few times that many universities are operating as business centres, focused on making as much profit as possible, chancellors getting paid handsome sums, while the market value of many of their degrees is not worth the student debt incurred.

On LBC yesterday, a number of young graduates called in to share their experiences post graduation. Many have struggled to find a decent job despite getting good grades. Some lamented that they had been sold a lie and if they had known better they would have made different choices such as a degree apprenticeship or skipping university altogether and going straight into work/business.

Many universities need to become more competitive to attract both home and international students. Unfortunately some will have to downsize (tbh a number of universities over-expanded in the boom period post COVID),or even close down, if they are not able to survive without the over reliance on immigration from India and Nigeria. Reality is with the current exchange rates, they would struggle to recruit enough students from both countries unless they offer huge discounts.
Many businesses are unfortunately having to make significant adjustments in the recent downturn, I think some universities will have to do the same .

nlenq:
Good day my people,

I hope you're all well.

I'm 4 weeks in the UK already and still struggling to get a job. I've applied with different CVs to different jobs but I still haven't landed any.

Pls help me with any tips you know can help.

Zahra29:
Lol....I'm half West Indian so I'm taking no sides 😂

nlenq:
I've been told most students start with jobs like cleaning, care assistant, event assistants, kitchen porter, so that's all I've been doing too with different CVs tailored to the different roles.

Any word from you pls?

Ticha:
We have a trust and set it up quite sonetime ago. We're both PAYE employees though.
We hold assets in 2 countries with a reciprocal tax agreement, so we had to use a NZ/UK practising solicitor and a tax accountant versed in the laws of both countries around taxation and inheritance (UK has CGT and NZ does not. UK has inheritance tax and NZ does not etc) so my recommendations will likely not be useful as they're mainly NZ based.

Our set up cost was around £3k ish then and ongoing annual cost of maintaining the trust is approx £700 ish across both countries. I wrote a long epistle about the pros a couple of years ago. A major pro of course is that it protects our assets from any litigation and bankruptcy.

Major cons for us -
1. We set ourselves as beneficiaries which restricts what we can do with it. It's a mixed trust designed to prevent any assets being sold out of it. I am sure that will come bite us in the arse in the nearest future.
2. The tax requirements are onerous. Doubly so as we need to meet the requirements of both NZ and UK.

Whether it will be useful or not, only time will tell.

Solumtoya:
Where can one get a good bleach product for white laundry. Something as effective as Jik or Hypo. Tired of watching my white inner shirts die off.