Killingmesoftly:


@Fatima dear I am still waiting for your response or response from the house concering the online program. Ps brothers and sisters d'nt feel I am disturbing u guys with my issue. I am seriously making plans for my self and I am trusting in God that I will excel in this UK. There is nothing impossible with God. I need u all, u guys are the only friends I av now. I appreciate u all.

All is well, don't worry too much because things will fall into place

Inkredible:
You guys are awesome. The OT from this thread alone is enough to guide a rookie to mastery level.

From my deductions so far, getting a mortgage is always the sure fire. It never goes out of style. Albeit, getting a car also is important. As long as you can afford to maintain it, then you should be in the clear.

If you have the bar , by all means, get you a car your spirit will be happy driving but I don't think people actually get bothered with what kinda car you're driving here (I may be wrong).

Was it not one day in London that I saw an Aventerdor parked behind a golf GTi. Imagine such insult.

You mean, what an insult to the golf GTi right?

Our seniors in the house can you please throw more light on sectors/jobs that pay good money. It Would be an advantage to know the sectors outside the medical field that are balling.

Looking through Job websites I see jobs with salaries of £30-40k per year but people here have talked about jobs that pay £500, £650, £700 per day and someone even said £20k per month.

Those with such info should please help us in demystifying the uk job market Abeg o

Thanks

Read all 36 pages.

My goodness, the information on this thread is priceless. Big ups to everyone. Y'all rock.

Hahahaha. I think mostly IT. You'd hear £1000 and over per day sef.

Oga Ralphlauren please show us the way

Our seniors in the house can you please throw more light on sectors/jobs that pay good money. It Would be an advantage to know the sectors outside the medical field that are balling.

Looking through Job websites I see jobs with salaries of £30-40k per year but people here have talked about jobs that pay £500, £650, £700 per day and someone even said £20k per month.

Those with such info should please help us in demystifying the uk job market Abeg o

Thanks

[/quote]

EngrSaks:
Our seniors in the house can you please throw more light on sectors/jobs that pay good money. It Would be an advantage to know the sectors outside the medical field that are balling.

Looking through Job websites I see jobs with salaries of £30-40k per year but people here have talked about jobs that pay £500, £650, £700 per day and someone even said £20k per month.

Those with such info should please help us in demystifying the uk job market Abeg o

Thanks

You only earn those higher daily rates with years of experience under your belt and you get into organisation and add value.
It's really not for everybody cos you are taking a big risk. In contracting world, the end client might decide they don't need you again after a week on the role and you have to start looking for another.
You can't just jump in there... For me it took about 6 years to get my foot in the door. To me it's a way of life and the ability to pick up new skills at various places whilst providing solutions to their problems.

It is actually very cheap for companies to pay those humongous rates cos they don't have to deal with employees NI, flexible benefits, pensions and redundancy etc Everything is paid in bulk and they fire and hire as they like.

With your case, if you start learning programming languages such as python or Ruby (they are easy to learn compared to others) you should be fine.

Killingmesoftly:


Thanks for your advice, I appreciate. How do u want me to go bk to Nigeria with three kids, still very little kids? I rather trust in God for the three years or four for the discretionary leave to remain.

My hubby is on work visa. But what they wrote in his visa is that he had the right to work and do business, but since he can not do business, he decided to get work at nursing home.
For now he does not av any qualification, he only did a certification course on health care which he used to get a work and he has done many trainings.

please do not consider my response as harsh.

I wish you had channelled your passion/drive you've shown towards planning your future into getting things right from the onset. you could have timed things properly and birthed your kids in Nigeria.

right now, the odds are firmly against you. you came as visitor, used the NHS which you are not entitled to and you had 3 babies, your husband is not British or EU, you are not legally married to your husband (home office does not consider bride price as proof of legal marriage) and you've refused to return back to nigeria. even those with British partners are often advised to return home and have their partner file for spousal visa.

I am not discouraging you or trying to sound negative but you need to be realistic with timescales and expectations. you stand a better chance of getting the discretionary leave AFTER your husband has obtained his British citizenship and registered your 3 kids as British (we are looking at around 2 and a half to 3 years from now). If you apply for discretionary leave AFTER he's been granted citizenship, expect the home office to refuse your application and tell you to go back to your home country and apply from there. if you refuse to leave, maybe after some back and forth, delay in visa application, etc maybe just maybe will you get the discretionary leave after a year or two years or more. You should set your mind on 5 years.

if you want to apply for the discretionary leave BEFORE your husband becomes British, then you need to consider what grounds your application is based on. asylum? FGM? health?

Killingmesoftly:


I am aving hope to further my studies, I will like to be a nurse. Can someone put me through on how to become a nurse, which cheap university or college can I go. I learnt I can do just diploma nursing. How much can I av to do it, I need to start saving, ps I need y advice house. Ps help mama triplets like me. I really need y advice so that I can bring up my family, I am a hard-working woman, I need to achieve like others in this country. I await all your wonderful contributions. Thanks so much. I appreciate u all for taking out time to assist.

regarding your plan of becoming a nurse, you need to complete a nursing degree for that. what part of nursing are you interested in? adult? child? both? mental health? midwifery?
https://www.rcn.org.uk/professional-development/become-a-nurse

nursing degrees aren't cheap. even if you wait until after you get your discretionary leave to enrol in University, you will not be entitled to pay home fees until you are British. as british, you are eligible for student loan and as Scottish, you might be entitled to free tuition.

at London south bank university, for a 3 years undergraduate degree in adult nursing, they charge UK/EU fee: £9250 International fee: £23, 125 PER ANNUM. so for 3 years, the total course fee for UK/EU is £27750 and International is £69375

http://www.lsbu.ac.uk/courses/course-finder/adult-nursing-bsc-hons#course_tab_fees_and_funding

there might be cheaper universities outside London. you can use this link to search:
https://www.healthcareers.nhs.uk/career-planning/course-finder

there is also thr route visa nursing apprenticeships.
https://www.nmc.org.uk/education/becoming-a-nurse-or-midwife/becoming-a-nurse/

With the current hostile immigration climate where banks are conducting immigration checks before they open bank account and carrying out remediation exercise on accounts held by foreign nationals so as to close down the bank accounts of illegals or is it some GP practices requesting to see proof of legal status before registering (I heard some foolish ones are even requesting proof of employment from non EU/British nationals), this is not the best of times for any illegal migrant.

I sincerely wish you all the very best.

MadameKofo:
Hahahaha. I think mostly IT. You'd hear £1000 and over per day sef.

Oga Ralphlauren please show us the way

Our seniors in the house can you please throw more light on sectors/jobs that pay good money. It Would be an advantage to know the sectors outside the medical field that are balling.

Looking through Job websites I see jobs with salaries of £30-40k per year but people here have talked about jobs that pay £500, £650, £700 per day and someone even said £20k per month.

Those with such info should please help us in demystifying the uk job market Abeg o

Thanks

the financial services sector - banks, private equity firms, etc. this doesn't just apply to UK alone. it applies to EU and also the US.
the stats do not lie.
https://www.libf.ac.uk/study/financial-capability/my-financial-career
there is more to financial services/banking than depositing or withdrawing money. A lottttttttttttttttttttttttttttttttttttttt goes on at back office.

I have some friends in some of the major retail companies also earning big bucks - Data analytics roles and the likes.

imnotconfused:
Fatima04,
@all
We are moving down south in a few months!! So scared and excited! I love this place but we have to go with the cheese.I hear things are more expensive especially in the KSS area but we will be fine..fingers crossed.

Still haven't bought the house because of this move.The houses i'm seeing around the area are from 5-6 huns for 4 bed I pity myself.

Have learnt from old mistakes,have very good credit history,using the credit card for payments and always pay back etc etc.

Since it's a new area we've never been to,we plan to rent first and then buy in 3-6 months.

congratulations. that's another migrant family leaving for England. you see why sturgeon keeps screaming that Scotland needs more immigrants?

start the house hunting as soon as you relocate. you will be surprised that it getting a house that ticks all your boxes might not be that easy to come by. if you can put than more than 10% of the mortgage deposit, please do - it will reduce your monthly repayments. shop around for a good deal (consider using a broker) and also consider going for at least 3years fixed deal (nobody knows what's going to happen after brexit - interest rate might go up). rent a basic apartment as this will make you uncomfortable and give you the push to buy your own home asap.

finally, I know we Nigerians hate the phrase 'life insurance' but for a mortgage that size, if you do not have a policy already, consider getting one (with critical illness cover) or get another life insurance policy (if you have one already) that's guarantees a payout that covers the entire outstanding amount of the mortgage.

This thread has really changed a lot. Its good to dream but we must learn to walk before we can run.

In this western countries everything looks very flash, its so easy to get carried away coming from a country like Nigeria. We must be very cautious when making certain decisions. e.g Like the kind of friends we keep, we need people who will inspire us and who are realist not those who add no value to life and give you false hope or no hope at all.

It is very easy to get into debt because credit is thrown at you from left, right and centre and it takes one with a lot of self control to resist it. These sales people are professionals in their field. I had a friend who went to the shop with money in his pocket to buy a 42" screen outright and came back with a 55" on a finance with insurance and the lot. His excuse was the sales person was so nice and he felt bad saying no after all the talk.

Questions you have got to ask yourself not only for the newbies but for the oldies too. If the unfortunate happens and you loose your job or you fall ill? Will you be able to pay your bills for about six months without falling into Financial difficulty.

If a black man and an white man are given £10,000 each. The black will most likely go for a nice set of wheels (Black Mans Wheels) and designer gear, while the English man will get a mortgage and take his family on a nice holiday. We see it all the time with the American rap stars and after a while they go bankrupt and they don't understand why.

We hear stories of white people thinking black people have got small brains , why do you think that is? The black man does not know how to invest in their communities. look around the world in America and Britain where they are large concentrations of blacks the characteristic features are poverty and crime. Just look at our politicians they don't have the foresight to invest in their countries, instead they run abroad for treatment and send their kids to foreign schools etc African is trouble because of lack of investment by our rulers.

So now lets take a look at our individual selves. I know its not easy , but when we can afford it you should be able to have emergency fund cause no one knows what's around the corner. Even if you have insurance, it doesn't really start paying until about three months and some even six months.

The fact that you can afford something, if it doesn't add value to your life and you have to be living from one paycheck to another to pay it, then its a false economy.

We should learn from the Asians and the Jews, they enrich their communities not just themselves.

God bless us all and give us good health to be able to meet our aspirations and be good role models for our younger generation.

Amen

Ralphlauren:


please do not consider my response as harsh.

I wish you had channelled your passion/drive you've shown towards planning your future into getting things right from the onset. you could have timed things properly and birthed your kids in Nigeria.

right now, the odds are firmly against you. you came as visitor, used the NHS which you are not entitled to and you had 3 babies, your husband is not British or EU, you are not legally married to your husband (home office does not consider bride price as proof of legal marriage) and you've refused to return back to nigeria. even those with British partners are often advised to return home and have their partner file for spousal visa.

I am not discouraging you or trying to sound negative but you need to be realistic with timescales and expectations. you stand a better chance of getting the discretionary leave AFTER your husband has obtained his British citizenship and registered your 3 kids as British (we are looking at around 2 and a half to 3 years from now). If you apply for discretionary leave AFTER he's been granted citizenship, expect the home office to refuse your application and tell you to go back to your home country and apply from there. if you refuse to leave, maybe after some back and forth, delay in visa application, etc maybe just maybe will you get the discretionary leave after a year or two years or more. You should set your mind on 5 years.

if you want to apply for the discretionary leave BEFORE your husband becomes British, then you need to consider what grounds your application is based on. asylum? FGM? health?



regarding your plan of becoming a nurse, you need to complete a nursing degree for that. what part of nursing are you interested in? adult? child? both? mental health? midwifery?
https://www.rcn.org.uk/professional-development/become-a-nurse

nursing degrees aren't cheap. even if you wait until after you get your discretionary leave to enrol in University, you will not be entitled to pay home fees until you are British. as british, you are eligible for student loan and as Scottish, you might be entitled to free tuition.

at London south bank university, for a 3 years undergraduate degree in adult nursing, they charge UK/EU fee: £9250 International fee: £23, 125 PER ANNUM. so for 3 years, the total course fee for UK/EU is £27750 and International is £69375

http://www.lsbu.ac.uk/courses/course-finder/adult-nursing-bsc-hons#course_tab_fees_and_funding

there might be cheaper universities outside London. you can use this link to search:
https://www.healthcareers.nhs.uk/career-planning/course-finder

there is also thr route visa nursing apprenticeships.
https://www.nmc.org.uk/education/becoming-a-nurse-or-midwife/becoming-a-nurse/

With the current hostile immigration climate where banks are conducting immigration checks before they open bank account and carrying out remediation exercise on accounts held by foreign nationals so as to close down the bank accounts of illegals or is it some GP practices requesting to see proof of legal status before registering (I heard some foolish ones are even requesting proof of employment from non EU/British nationals), this is not the best of times for any illegal migrant.

I sincerely wish you all the very best.

Thanks so much for all these informations. I really appreciate. Ps the last question can I and my hubby do a small court marriage here in UK and use it to fill my spouse visa from Nigeria when I get bk to Nigeria? my hubby can not travel back to Nigeria due to too much expenses and he needs to work hard to get money to pay for our flight tickets, i can only travel with my kids now and we still av to book flight ticket for them and buy other things.
To tell u guys the truth, I am really scared, I will try to leave from all these y messages, it is really scaring me.

Secondly since my hubby is working hard with his lawyer to get his permanent stay this year. Bc he said it will take 6months to come out. Can he use his permanent resident to fill for us, even if it is with the discretionary leave ? Bc u keep saying until he is a citizen. Can't he use his permanent resident if he gets it to fill for spouse visa or discretionary leave ? Thanks I await y response

EngrSaks:


All is well, don't worry too much because things will fall into place

Thanks for your encouragement is just that I am beginning to be scared again with all these informations I keep getting of going bk to Nigeria. I will try to leave.

Killingmesoftly:


Thanks so much for all these informations. I really appreciate. Ps the last question can I and my hubby do a small court marriage here in UK and use it to fill my spouse visa from Nigeria when I get bk to Nigeria? my hubby can not travel back to Nigeria due to too much expenses and he needs to work hard to get money to pay for our flight tickets, i can only travel with my kids now and we still av to book flight ticket for them and buy other things.
To tell u guys the truth, I am really scared, I will try to leave from all these y messages, it is really scaring me.

Secondly since my hubby is working hard with his lawyer to get his permanent stay this year. Bc he said it will take 6months to come out. Can he use his permanent resident to fill for us, even if it is with the discretionary leave ? Bc u keep saying until he is a citizen. Can't he use his permanent resident if he gets it to fill for spouse visa or discretionary leave ? Thanks I await y response

please, don't be scared. all you need is to harm yourself with as much information as possible, consider all options and then decide on the best route to follow.

no, you cannot go to the council (where weddings are done) and get married. this is because one of the documents they will ask from you is your proof of legal status in the UK which will also be confirmed with the home office before the marriage ceremony is conducted. so, it is impossible for someone with a visitors visa (valid or expired) to get married in the UK. the home office introduced this rule many years ago to stop all the sham weddings and also stop illegals from changing their legal status whilst in the UK.

check this link and read under 'Giving notice of intention' to see the rules required by westminister council for weddings. the rule is the same for all councils across the country.
https://www.westminster.gov.uk/giving-notice-of-intention

getting married at any Church of England (Anglican church) used to be an option but this also requires proof of legal status.

the only option is for your husband to go to Nigeria and you two can get married at the registry. there is no need for any paparazzi. with less than 50,000 naira, you can get married at ikoyi registry. after this, then he can file for you as his dependant.

Now, if you choose to remain in the UK, Yes, once he gets his ILR, you can put in an application for discretionary leave but only do this AFTER you've registered your kids as British and they've been issued their British passport. since they were born in the UK to at least one parent (the father in this instance) that is legally in the UK, they should be able to register as British without any issue. since you cannot legalise your marriage, make sure you have bills in both your names (council tax, electricity, gas, etc) as these documents will proof that both of you are living together in the same household.

Although, I feel if you wait till after he gets his citizenship, your application might stand a better chance but there's no harm trying as soon as he gets his ILR. just be prepared to wait . . . . . .

if the application was done from Nigeria as a dependent of a PBS migrant, the application takes about 2-3 weeks.
Filing as spouse of a british citizen from Nigeria takes longer though; around 4 -6 months.

Killingmesoftly:


Thanks for your encouragement is just that I am beginning to be scared again with all these informations I keep getting of going bk to Nigeria. I will try to leave.

I think the decision to go back to Naija will favour you only if your visiting visa hasn't expired. If it has expired and you go back to Naija that's trouble for you

wonlasewonimi:


You only earn those higher daily rates with years of experience under your belt and you get into organisation and add value.
It's really not for everybody cos you are taking a big risk. In contracting world, the end client might decide they don't need you again after a week on the role and you have to start looking for another.
You can't just jump in there... For me it took about 6 years to get my foot in the door. To me it's a way of life and the ability to pick up new skills at various places whilst providing solutions to their problems.

It is actually very cheap for companies to pay those humongous rates cos they don't have to deal with employees NI, flexible benefits, pensions and redundancy etc Everything is paid in bulk and they fire and hire as they like.

With your case, if you start learning programming languages such as python or Ruby (they are easy to learn compared to others) you should be fine.

That makes it clearer, thanks

Ralphlauren:


the financial services sector - banks, private equity firms, etc. this doesn't just apply to UK alone. it applies to EU and also the US.
the stats do not lie.
https://www.libf.ac.uk/study/financial-capability/my-financial-career
there is more to financial services/banking than depositing or withdrawing money. A lottttttttttttttttttttttttttttttttttttttt goes on at back office.

I have some friends in some of the major retail companies also earning big bucks - Data analytics roles and the likes.

Good stuff, thanks

EngrSaks:
Our seniors in the house can you please throw more light on sectors/jobs that pay good money. It Would be an advantage to know the sectors outside the medical field that are balling.

Looking through Job websites I see jobs with salaries of £30-40k per year but people here have talked about jobs that pay £500, £650, £700 per day and someone even said £20k per month.

Those with such info should please help us in demystifying the uk job market Abeg o

Thanks

Contract web and software developers can charge upwards of £400 per day depending on experience and skill level. Investment bankers and stock brokers earn upwards of £10k to £30k per month excluding end of year bonuses of sometimes over £100k.

If you are interested in IT, you will need to research the market on what skills are in demand. A lot of companies in the UK tend to favour particular programming languages such as C#, PHP (WordPress, Drupal, Symfony, Laravel), Android (Java) and Python. Designers are also highly in demand especially UX and front-end designers with skills in modern JavaScript (Vue, React, Node.js). You have to be willing to learn as much as possible as quickly as possible. Information security is another in demand sector.

teejay231:


Contract web and software developers can charge upwards of £400 per day depending on experience and skill level. Investment bankers and stock brokers earn upwards of £10k to £30k per month excluding end of year bonuses of sometimes over £100k.

If you are interested in IT, you will need to research the market on what skills are in demand. A lot of companies in the UK tend to favour particular programming languages such as C#, PHP (WordPress, Drupal, Symfony, Laravel), Android (Java) and Python. Designers are also highly in demand especially UX and front-end designers with skills in modern JavaScript (Vue, React, Node.js). You have to be willing to learn as much as possible as quickly as possible. Information security is another in demand sector.

Thanks for the info

Ralphlauren:


please, don't be scared. all you need is to harm yourself with as much information as possible, consider all options and then decide on the best route to follow.

no, you cannot go to the council (where weddings are done) and get married. this is because one of the documents they will ask from you is your proof of legal status in the UK which will also be confirmed with the home office before the marriage ceremony is conducted. so, it is impossible for someone with a visitors visa (valid or expired) to get married in the UK. the home office introduced this rule many years ago to stop all the sham weddings and also stop illegals from changing their legal status whilst in the UK.

check this link and read under 'Giving notice of intention' to see the rules required by westminister council for weddings. the rule is the same for all councils across the country.
https://www.westminster.gov.uk/giving-notice-of-intention

getting married at any Church of England (Anglican church) used to be an option but this also requires proof of legal status.

the only option is for your husband to go to Nigeria and you two can get married at the registry. there is no need for any paparazzi. with less than 50,000 naira, you can get married at ikoyi registry. after this, then he can file for you as his dependant.

Now, if you choose to remain in the UK, Yes, once he gets his ILR, you can put in an application for discretionary leave but only do this AFTER you've registered your kids as British and they've been issued their British passport. since they were born in the UK to at least one parent (the father in this instance) that is legally in the UK, they should be able to register as British without any issue. since you cannot legalise your marriage, make sure you have bills in both your names (council tax, electricity, gas, etc) as these documents will proof that both of you are living together in the same household.

Although, I feel if you wait till after he gets his citizenship, your application might stand a better chance but there's no harm trying as soon as he gets his ILR. just be prepared to wait . . . . . .

if the application was done from Nigeria as a dependent of a PBS migrant, the application takes about 2-3 weeks.
Filing as spouse of a british citizen from Nigeria takes longer though; around 4 -6 months.

Thanks so much for all your advice I appreciate. Ps what is PBS migrant? Does it mean that if it is with permanent resident he will use and apply for me that it will take 2weeks, then if he is a citizen applying from Nigeria it will be 6months right? Ps explain better.

More so what are the requirements that my hubby need to put in place for the spouse visa application. Thanks so much for all y response.

EngrSaks:


I think the decision to go back to Naija will favour you only if your visiting visa hasn't expired. If it has expired and you go back to Naija that's trouble for you

Bros, it is well with me. In God I trust

Rubyventures:
This thread has really changed a lot. Its good to dream but we must learn to walk before we can run.

In this western countries everything looks very flash, its so easy to get carried away coming from a country like Nigeria. We must be very cautious when making certain decisions. e.g Like the kind of friends we keep, we need people who will inspire us and who are realist not those who add no value to life and give you false hope or no hope at all.

It is very easy to get into debt because credit is thrown at you from left, right and centre and it takes one with a lot of self control to resist it. These sales people are professionals in their field. I had a friend who went to the shop with money in his pocket to buy a 42" screen outright and came back with a 55" on a finance with insurance and the lot. His excuse was the sales person was so nice and he felt bad saying no after all the talk.

Questions you have got to ask yourself not only for the newbies but for the oldies too. If the unfortunate happens and you loose your job or you fall ill? Will you be able to pay your bills for about six months without falling into Financial difficulty.

If a black man and an white man are given £10,000 each. The black will most likely go for a nice set of wheels (Black Mans Wheels) and designer gear, while the English man will get a mortgage and take his family on a nice holiday. We see it all the time with the American rap stars and after a while they go bankrupt and they don't understand why.

We hear stories of white people thinking black people have got small brains , why do you think that is? The black man does not know how to invest in their communities. look around the world in America and Britain where they are large concentrations of blacks the characteristic features are poverty and crime. Just look at our politicians they don't have the foresight to invest in their countries, instead they run abroad for treatment and send their kids to foreign schools etc African is trouble because of lack of investment by our rulers.

So now lets take a look at our individual selves. I know its not easy , but when we can afford it you should be able to have emergency fund cause no one knows what's around the corner. Even if you have insurance, it doesn't really start paying until about three months and some even six months.

The fact that you can afford something, if it doesn't add value to your life and you have to be living from one paycheck to another to pay it, then its a false economy.

We should learn from the Asians and the Jews, they enrich their communities not just themselves.

God bless us all and give us good health to be able to meet our aspirations and be good role models for our younger generation.

Amen

Nice, however, not all blacks are lau lau spenders and not all lau lau people invest, some are rich, but just stingy and won't even spend on themselves even to save their life

Killingmesoftly:


Thanks so much for all your advice I appreciate. Ps what is PBS migrant? Does it mean that if it is with permanent resident he will use and apply for me that it will take 2weeks, then if he is a citizen applying from Nigeria it will be 6months right? Ps explain better.

More so what are the requirements that my hubby need to put in place for the spouse visa application. Thanks so much for all y response.

I think just go with your immigration lawyer. All this hearsay only heightens your anxiety

DaveChapelle:


Nice, however, not all blacks are lay lay spenders and not all lay lau people invest, some are rich, but just stingy and won't even spend on themselves even to save their life

Lol you are right there are loads who are exception to the rules. But how does the outside world see blacks?

When you see the immigration boat on telly with all the black faces, how does it make you feel towards black leaders? How many black role models have we got?

DaveChapelle:


I think just go with your immigration lawyer. All this hearsay only heightens your anxiety

Thanks @DaveChapelle

Rubyventures:


Lol you are right there are loads who are exception to the rules. But how does the outside world see blacks?

When you see the immigration boat on telly with all the black faces, how does it make you feel towards black leaders? How many black role models have we got?

That is the misconception white man has brainwashed blacks or blacks brainwashing themselves. It depends on the family one is from. How many whites are role models....Or rather, permit me to clarify that....Melanin has no brain altering effect!

People choose who to look up to, and i think the media portrays this wrongly, but there are many black role models in their own way. I like to collate Nigerians doing well in Hollywood and i am always surprised.

Many africans are doing well in their own little way, Africa was just subjugated and they didn't realize that during colonialism, so were Asians. However, there is enlightenment on the horizon. I can go on and on, but i'm sure if you reflect deeply, you will see that even if Blacks didn't exist, there would still be opulence culture flaunted by people with poor financial appreciation/ judgement!

After all, its not easy to be broke and still ball and nobody does that better than Africans...if that's not a skill, what is

Please can someone on tier2 use help-to-buy to buy a house?

MadameKofo:
Please can someone on tier2 use help-to-buy to buy a house?

I believe we are not entitled to govt funds. However, you have to foot 5% anyway and Halifax accepts 5% from tier 2s if you have good credit history

DaveChapelle:


You can. Get a car for 1k too... Is it not to get you from A to B

uncle you don’t like me at all o

MadameKofo:
Aphrodite007 Thank you for referring me to this thread. Ive been reading it since morning and getting answers to so many questions. Wish i knew about it earlier mehn.

Fatima04 starting this thread was such an awesome idea. God bless you and all who have contributed to this thread. Its really informative.

Back to reading mode.

You’re welcome. Yes Fati over tried. Where would I be without the contributions here.

DaveChapelle:


There was one guy we were following before,but he felt we were competing with him on his thread

you like trouble o. That’s where I even found her from. He was getting a bit too rude and didn’t like people posting on “his” thread, so most people packed the load and left.

Ah ahn! You people! I only went missing for 2 days and you people have written up to 4 pages..! You go fear novel now!

Lexusgs430:


We can't all be Ralphlauren, some of us are simply primark.......