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Ralphlauren's Posts

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Celebrities / Re: “D*ck Is Good…” – Eva Alordiah Advises Ladies by Ralphlauren(m): 6:18pm On Sep 15
Eva is an amazing rapper.

Its such a shame she has reduced herself to this. undecided

.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 6:16pm On Sep 15
Bluetherapy:

You're right flying through an EU country with UK BRP or passport requires a transit visa thanks to BREXIT!

You are exempted if you hold a British passport. However, the exemption does not apply for UK visa holders including ILR holders
Travel / Re: UK Skilled Worker Visa / Health And Care Worker Visa by Ralphlauren(m): 9:13am On Sep 15
Uzland

Does the shortage occupation list still exist? If yes, please add the link to your original post. I'm sure many will find it helpful.
Family / Re: My Mum's Constant Insult Is Driving Me Crazy, It Is Time To Move Out? by Ralphlauren(m): 3:51pm On Sep 14
Juliusdaughter:
Let me just start somewhere angry
Growing up as an introvert was difficult cos I guess my mum didn't understand my quite personality, she talks about how I am not 'sharp' how I am not fashionable and whatever else she cannot really relate to. I am in my mid 20s now and she still insults me when she is in the mood.
It's funny how I am the only child she insults so much, I am her first born. I left my former work place due to Corona last year and I've been home since. I have trained as a tailor tho I don't have a shop or customer base yet.

She insulted me tonight again for cooking dinner late, she said why should I finish cooking dinner by past 7? Called me names and all that. Its been over a year that she went to the market last because I now do that, I make breakfast and dinner, I don't keep late night, I barely go out, yet she finds reason to talk me down.

She has started to insult my fiancé now too, she says he is poor and cannot take care of me, what has he achieved for himself? And the reason she isn't much against us is because she doesn't know if he will have money tomorrow. He isn't even jobless, it's just unfortunate that government don't pay their workers on time.

I don't have a single emotional connection with her, I have tried and I have failed. I think it's time to move out of the house and start my tailoring business. I don't have the finance to rent a shop and a house separately, so I want to rent a room and parlor and make it both my living and work space. Is this a good move? I cannot function properly in this house anymore.
How do I build my customer base from working in the house?

open an Instagram account and add as many of your friends as possible including those from university and your place of worship.

advertise your business on Instagram and offer to sew as cheap as possible.

advertise your work on Instagram with pictures of dresses you have sewn.

go and buy cheap ankara, have someone measure you and sew these dresses for yourself. wear them, have someone take lovely pictures and post on Instagram using trending hashtags. Slowly but surely, you will grow your customer base.

7 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ralphlauren(m): 5:07am On Sep 14
Bluetherapy:
I would like to know which airline one can fly from Nigeria to UK trying to avaoid BA as much as possible. He reach to almost pay school fees grin.

KLM and airfrance seems to be the logical one to take, but there's this confusion about needing transit visa or not. Has anyone flied them recently?

https://www.klm.com/travel/ng_en/campaigns/nigeria_flight_schedule.htm

Transit visa is mandatory unless you hold visit visa for countries like US and Canada. Read up on both airlines website. I understand people from Nigeria have not been allowed to board as they are unaware of this requirement. The rules changed in January following the end of the transition period for uk's exit from the EU.

I believe this has also led to a spike in the number of people choosing to travel with the likes of Qatar.

1 Like

Travel / Re: The Adventures Of A New UK Migrant by Ralphlauren(m): 5:44pm On Sep 05
Bliss012:
Hello Ralphlauren,
Hope it’s not too late to ask questions concerning this please.
K

No, its not. Ask me anything
Properties / Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Ralphlauren(m): 9:31pm On Aug 19
Please can someone recommend companies in lagos that I can order quality stone coated roofing sheets from?

I'll really appreciate if someone can list the names of these companies.

Thank you

3 Likes

Properties / Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Ralphlauren(m): 9:56pm On Aug 18
GoodFaith:



The range big in price is crazy oh 1000-1500 = 50%


"production of 6cm interlocking stones on site without materials : #400 per sqm " --I paid 600 for production and installation
The area that I used 6mm wasn't car accessible

Stamp concrete I paid 1,100 for labour

Please can you share the details of the person/company you used? Thanks

2 Likes

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 3:20pm On Aug 10
lightest:



Thank u justwise, I have moved out of the house since morning and am trying to rent a room to atleast stabilize myself.

I just need more options on how to renew my visa as it will expire January Next year.

Do you need to proof maintenance funds for your visa renewal? if yes, make sure you have it set aside just in case you both reconcile before January next year.

Was domestic violence or emotional abuse involved? I know women can have their drama but it takes a lot for a woman to get to the point where she throws the man out, especially when you both have kids together.

I don't know your faith but have you considered involving your pastor or Imam to see if they can mediate and resolve the conflict between the both of you?

How long have you been in the UK? You might be able to apply for discretionary leave to remain.

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 12:44pm On Jul 21
Ticha:


Leasehold is fine. You need to check a few things. What kind of lease is it? What is the service charge? Any covenants on the lease? ie some leases does not allow you have a pet in the flat or rent it out. Ask for the last time repairs like roof, guttering and external cladding was done if any. Stay away from blocks higher than 4 floors (lifts issues) and if possible aim for either a ground floor flat (will give you some outside space) or at most the 1st floor.

Most importantly, ensure the lease has at least 110 years left or factor the cost of extending the lease into the purchase price. This is especially crucial if it is a block of flats as freeholders can be arseholes for lease extensions.

If it's a split house - split into flats, ensure that the lease is a cross lease with the appropriate rights (conveyancer will sort that out anyway) . If a split house, it's crucial that it has been converted properly otherwise it'll bite you at resale. Houses that have been split into flats recently tend to have 999 year leases as well so it's a good as freehold. Plus you get a cross lease over the over flat so you both hold the freehold in the lease if that makes sense.

Where is it located in Bristol? We own a leasehold flat in Brislington (lived there for 3 years then rented it out and bought a house just outside Bath) and my in laws are Bristolians and still live there and own lots of real estate mix of residential and commercial. That's how we got into property as well.

Flats are a good first step onto the property ladder. Plus it's easy to resell especially in Bristol to other FTB when you trade up. PS - Ex council flats are also very good in the right location. They have heaps and heaps of space and hold their prices very well. I agree on staying away from shared ownership.

If I were you, I'd buy and fix for 5 years if that's what fits within your budget. Overpay by the minimum in the 5 years and then re-mortgage to buy a house. Buy close to transport links, make sure it has a dedicated car park and you're good to go
!

You are spot on with the bolded. Flats tend to appreciate consistently in value, sell very quickly and do really well in the market as long as the property is well maintained, has access to good transport links with ample parking space for the residents.

2 Likes

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 9:27am On Jul 02
KOVIC19COVID20:
Without sounding like a broken record.
Does anyone have any experience with travel from UK to Naija recently? I mean within the past 1 month.?

Can B.A allow me board to Nigeria when I present the NHS COVID-19 test?

No. You have to use one of the approved private providers. BA would have sent you a gov.uk link where you can find the approved list.
Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 3:34pm On Jun 30
Lexusgs430:



If you piss outside and get caught...... That piss would cost you over £80.00......... grin

You forgot to add that possible prosecution for flashing/public indecency. Woe betide him if there was any child that witnessed the show of shame !
Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 11:32am On Jun 29
mrcodebreaker:
Guys reason this for my elder bro which makes sense. He is living in bristol.

The job offers are:

London company - Fully remote 45k
London company - 2 days a week in the office 68k
International company located in wales - everyday in the office, 20 min drive from his home 60k

Which is more value for money after transport etc.

He needs to grab a calculator and do the maths. He should work out his take home after tax for each offer and deduct his expenses.
Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 2:49pm On Jun 28
icon8:


Gbam!

He/she who has ears to hear, let them hear what the spirit is telling the church.

They very rarely listen - especially those that relocate with kids.

As soon as they arrive, they are already shopping for cars with 100k plus mileage to buy.

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 11:12am On Jun 25
hustla:



shocked

grin grin grin grin Me sef shock.

Unfortunately, I am not a fan of dogs. It is a business only someone very passionate about dogs can engage in as a full time hustle. The fear of RSPCA is the beginning of wisdom. cheesy

2 Likes 1 Share

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 6:35pm On Jun 23
justwise:


Bro are you kidding me?

grin grin grin grin grin

Lexusgs430:

You've watched too many episodes of ' Bad Tenants, Sham Landlord's........... grin

Exactly. grin
Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 6:34pm On Jun 23
descarado:

If you plan to go back to naija, do housing investment there.
Housing in UK as an investment is headache . Big high blood pressure
Yields very poor returns. And you can easily lose your house if.........
Our people once in UK rush to do that and are trapped forever.

Some Britons will tell you why they are not keen in going into that and they make cool cash.


God forbid @ bolded.

I have an investment property in the UK and I have zero regrets. The secret is to do proper research, not go for overly priced properties and make sure the property is located in a good location.

In fact, I am looking at expanding my property portfolio. I'm not into it to make huge yields/returns. The goal is to pay off the mortgage as quickly as possible using rental income and own the property outright. I am sure some people here won't believe me if I tell them my tenant pays around £850 for a 2 bedroom flat in Scotland but that's the truth.

4 Likes 2 Shares

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 1:11pm On Jun 23
descarado:

grin

I'm asking for investment purposes. The mortgage range given by Dupsy won't even cover a 2 bedroom flat in some parts of Scotland.

AirBay:


E.g Doncaster, I am very sure about this. Some parts of Sheffield, 2-3 bedroom flat goes for £500 -£550 monthly

Interesting. Is that the mortgage or actual rental income?
Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 12:01pm On Jun 23
Ticha:


When I screen potential tenants, I expect an income of 4 times rent as that's what my insurance requires (I have rent guarantee insurance) which means I have to ask for the monthly income and proof of it. So yes, expect to also send in payslips or bank statements to back up the amount you say you earn.

Interesting. . .

Out of curiosity, please does the insurance cover period where the property is empty and you are actively advertising for a new tenant?
Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 11:59am On Jun 23
dupyshoo:
@Bolded, not sure it is that hard to save 3 times monthly salary. Especially if you are not staying in London or any of the big cities. Where I live, you can get a 3 bed house for £500- £600 or mortgage of about £350-£400.
Imagine, a couple with a take home of £5k and expenses of about 2k-3k. They can easily save 2k per month

I think it's all about contentment. Use credit cards as debit cards and don't buy what you can't afford.


If you do not mind me asking, please what part of the country is this? Thanks

4 Likes

Jobs/Vacancies / Re: What Are The Pros And Cons Of Studying Banking And Finance by Ralphlauren(m): 10:37am On Jun 21
Dreadlock69:
Is Banking and finance a lucrative course?

What are the pros and cons while studying in college?

What are the challenges someone will encounter?

Why not study Economics or Accounting?
Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 10:23am On Jun 21
Ilekokonit:


No worries. I myself have been put through the washing machine in the UK by employers for decades that now nothing fazes me and I now tackle them fire for fire as long as I know that I am in the right and that I've been with them for at least 2 years. Racism or expecting me to be subservient just because I am black and have an African accent is something my spirit (which is similar to Fela Kuti's own) will just never take from anyone especially seeing that in my younger days as a Medical student at UI, I dissected the human brain indepth and have seen that it is exactly the same as that of the white mans.

grin grin grin grin

1 Like 1 Share

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 10:05am On Jun 21
7barz:
@LagosismyHome @justwise @Tobexin @KOVIC19COVID20 @icon8 @claremont @dustydee @sgtponzihater1 @dupyshoo @BabaAgba22

Thank you for your feedback. I will speak to the agency and see what my options might be.

@fatima04

The bank i took the loan and credit card from was different from my main bank. I have been paying off both loans before i left the UK through my main bank.

@ Lexusgs430

I deserve your criticism but I have been paying back the initial loan before i had to leave the UK abruptly, this was due to the loss of my mum. However, it is no excuse not to have made a plan to complete the payment. I take full responsibility for this.

You mentioned that this may have resulted in 2 CCJs. Checked what it meant and woah! this looks bad! I read that even if I pay it all in full, the CCJ would still be on my file and will most likely continue to have an impact until it is dropped after 6 years. I wasn't able to find out if this can be set aside if i complete the payment before the expiration of the 6 years. Planning to do a check on Trust Registry to see what the status is.

Thank you guys once again.

You can forget about getting any job in the financial services industry.

I have seen job offers withdrawn over a default in mobile phone bill.

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 2:27pm On Jun 09
dupyshoo:
It is really a difficult question to answer as it took us years to decide to stay put. Also, it will be on a case by case basis. For us, It has a lot to do with the fact that husby and I are both Engineers and we are comfortable here. It is however difficult to get similar employment in Canada. We were of the opinion, why try to fix what is not broken. We got Canada PR when there were uncertainties around ILR. Once that was sorted, it was a lot more difficult to make the move. Also, I have 3 siblings in Canada, so was able to leverage on the info they provided.

We asked question around cost of living. We realised that though some things such as insurance, phone contracts, groceries are more expensive in Canada, some such as fuel prices are more expensive here in the UK. We also realised that you get a bit more in terms of salary but you will not have the luxury of 26-30days holiday we currently have. Also, the issue of getting jobs is another story. They seem to always ask for Canadian experience and also talk of networking which to me is similar to man- no-man in Naija. Eventually,
the deal breaker for us was the issue of job which will go a long way in determining our standard of living if we move to Canada.


Thanks for sharing cheesy
Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 2:14pm On Jun 09
AirBay:

Let me jump in on this.

I think it's the short cut to citizenship (3years) and the "Fast" PR process. Unlike UK PR, it's either through Tier 2 sponsorship- which is very difficult for most fields except for those in health sector, some STEM courses and experienced IT or 10years study route for PR.

But for people with UK ILR already, I don't know wetin dm see o grin The UK is organized, Canada is just starting up undecided I wish UK can somehow make their PR route less stressful.



Fair point @ bolded. A friend of mine recently became a British citizen after almost 12 years of living in the UK legally. He went through the student visa/entrepreneur route.

I agree. The route to ILR/citizenship in the UK is quite cumbersome and stressful. The 'easiest' route which is marriage, takes a minimum of 5 years and let's not even talk about the visa costs, etc.

3 Likes

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 1:15pm On Jun 09
dupyshoo:
I am still in the UK. Couldn't justify benefits to move. So we decided to stay put.


welcome back dupsy cheesy

can you please throw more light on the bolded?

I am seeing an increasing number of people resident in the UK but considering a move to Canada.

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 9:30pm On Feb 17
tushqueen:
Please I need some enlightenment regarding council tax.

I used to think it's paid as part of a household's utility bill. I'm being made to understand that its nice for each person to pay if husband n wife are both employed so that their immigration status can be interdependent on each other. Thus if one person gets frustrated with his job, their immigration status is retained/stable.

I don't seem to understand this

Council tax has nothing to do with immigration status. It doesn't influence your visa application.

Fail to pay your council tax and they will send the bailiffs after you. They are very quick and waste no time.
https://moneyaware.co.uk/2018/10/what-happens-if-i-dont-pay-my-council-tax/

Infact, your council tax is more important than your gas and electricity bill. Council tax pays for waste collection, roads, schools, public amenities,etc.

You can decide to have either or both names or none at all on the council tax letter. Totally up to you.

What matters to the council is the money they get from EACH address. Which is why even empty properties are subject to council tax unless you apply for a waiver and the council decides to grant it.

Council tax is not paid per person that lives at a property. It is a tax on EACH address irrespective of the number of adults or children living at the address. Students and under 16 (I believe) are exempted from council tax and if you live alone, you are eligible for a 25% discount.

Paying council tax and being on the electoral roll are two different things. You can be named on the electoral roll and not on the council tax bill and vice versa. Adding your name to the council tax and adding a name to the electoral roll are two different applications. You can decide to do neither or either or both. What matters to the council is that they get their money (tax) from every address from the named person on the council tax account.

7 Likes

Culture / Re: Ojora Of Lagos, Oba Fatai Aremu Marries A New Wife (Photos, Video) by Ralphlauren(m): 3:37pm On Feb 01
pepperdemzombie:

New generation Obas are just disrespecting the stools and tradition just because of how they got there.
Public kissing?

He is a glorified baale.

Village heads that were made "kings" and upgraded to Oba by Tinubu.

2 Likes

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 11:54pm On Jan 26
wonlasewonimi:


Use shell companies in cayman Islands... Lol

It will be extremely difficult if not impossible to get an agency or end client that will accept the use of offshore shell companies.

The umbrella companies that have such arrangements have all been blacklisted and you won't find them amongst the approved/preferred list of umbrella companies for most agencies.
Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 9:48pm On Jan 20

2 Likes

Travel / Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 4:46am On Jan 19
Hebraeem:
I am not sure you get my question. Please are there any data analysts whether in Finance or IT industry on this thread who can answer my questions concerning job applications and career paths in Data Analytics/Science in the UK? I am an Msc Data analytics student who started in October at University of Huddersfield. Thanks.
@Aprokodaughter The thread you referred me to, mostly consists of prospective students.

https://webinar.datasciencedreamjob.com/registration?utm_source=ig-fb&utm_medium=ad&fbclid=PAAaZ-3QlByN3XvCp_yuZ1--oUX3MH13JxHZisE7x8xGBLnCbHEq4oUoT-AI8

This popped up on my Instagram feed. There is no harm joining the free webnair as you might learn something valuable.

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