omopapa:
Our property gurus in the house, please what is the best explanation for this? A 2bed flat that was sold in 2006 for £120k is now being listed for £105k

I have attached the price history of my buy to let property.

I'm the second owner. The first owner bought the flat brand new and I guess the property was overpriced/over valued as at 2007. New builds are notoriously overpriced, hence why those looking to achieve the best returns in property investment avoid them.

Today, that same flat and others in the block have an open market value of at least 160k and those that have sold their flats recently achieved way above that figure.

I haven't spent a penny on any home improvement apart from painting the walls when a new tenant moves in (I'm blessed to have had 2 longterm tenants in the last 6+years) and changing the original carpets which were off white in colour.

My advice - do your research carefully, read the home/valuation report, read about the history of the area, find out if the area is notorious for crime (anti social behavior, vandalism,etc) and find out if the council is planning any redevelopment or rejuvenation around the area (e.g. demolishing houses in that area to build modern properties,etc)

Osoderi:


please i heard that age factors also affects buying house in the UK. Does age factor affects pls? like if someone is 45 -50, can the person buy a house?

Then someone that have a permanent job and been paid £1600 every month, and keep saving £1000 every month for two years to have £20,000 down payment, can that person be able to buy a house with that kind of salary? Must my salary be bigger than £1600?

Thank you for your response.

Yes, you can get a mortgage at that age. Just that the term of the mortgage might be shorter - 15 to 20years. You can get a mortgage on that salary and any salary (even minimum wage);as long as you meet the lender's affordability criteria.

See the link below for further information on how affordability is determined for mortgage purposes:
https://www.mortgageadvicebureau.com/expert-advice/first-time-buyer/how-do-mortgage-affordability-assessments-work

wonlasewonimi:


The person I introduced got £9500 and they increased my Avios air miles by 10000. They are cheerful givers!

Amex is literally one of the best credit cards out there. Its even better now. They've increased the validity of their companion vouchers and i believe they've reduced the spend threshold to get one.

I remember we talked about this a few years ago. Glad to hear you were finally accepted.

https://www.nairaland.com/4158866/living-uk-life-uk-immigrant/56#69928220

2 for 1 companion voucher. Avios for any penny spent. Cash back from certain retailers. "No questions asked" fraud protection (which i have benefitted from after my card was used for fraudulent software purchase). Another example of their world class service can be seen in the documentary INVENTING ANNA

My credit limit is now close to 20k and I have declined any further increase

Safeob27:

International trade finance with cdcs certification
He also has experience in oil and gas

Thank you

Your husband is right. Trade finance is a niche sector and there is a higher chance he would secure a role in London as someone new to the country without any UK work experience.

Most banks, oil companies and boutique brokerage firms have their trade finance desks based in London. His experience is niche and if he's got a good Cv, if he has had exposure to the different systems/tools (e.g dow jones, refinitiv,etc) and he's able to proof his worth at interviews, he shouldn't really struggle to land a job fairly quickly.

A quick search on job boards further confirms this as 90% of trade finance jobs advertised on indeed and LinkedIn are based in London.

Tell your husband not to limit his job search to banks. He should consider oil companies (bp, shell), consulting firms (mckinsey, pwc, Accenture, deloitte, etc) including boutique firms like baringa partners and other brokerage firms (not just the big known names) as well as shipping companies.

The good thing about his experience is that he has got transferrable skills and he can pivot to risk and compliance roles such as Sanctions officer, sanctions manager which is a big deal at the moment.

Trade based money laundering is one of the major risks which a lot of firms try to identify, deter and mitigate so he should also consider a career in financial crime.

Top tip: to give him an edge in the Cv screening process, ask him to take out anything Nigeria from his work experience. E.g. if he works with standard chartered, lagos he should remove lagos. If and when asked at interviews which of the locations he worked, then he can mention Africa.

It appears your husband has done his research very well, so please, don't argue with him and consider the move to London. I give him thumbs up. Na man he be As soon as he gets the UK work experience and he's well settled, you can move out of London.

I know I wave the Scottish flag on this thread with pride but London is actually one of the best places to get a career break or the first step in the career ladder if you can ignore the associated high cost of living.

Wishing you both the very best and may God give you the wisdom and intuition to make the best choices.

fatima04:

The key strategy for securing US visit visa as a first time applicant resident in the UK is to demonstrate recent travel history within Europe.

Unlike Nigeria, the consular officers don't really care about or ask for bank statements. What they look at is recent travel history (flipping the pages of your passport), the information provided on your online application (your job title, your gross income and detailed explanation of your job description/roles/responsibilities) and your attitude, confidence and answers provided during the interview.

People have been in the UK for 1 to 4 years and they've never bothered to visit anywhere in Europe as tourists yet they want to fly all the way to America to visit Times Square ??

In summary, apply for schengen visa and visit any European country of your choice at least once or twice. Then apply for US visa as a TOURIST with an intention to vist a city known as a tourist location. e.g. New York for 7 to 10 days.

Current students - speak to your international office and they will provide you the letter you need to apply for schengen visa. Those with part time or full time jobs - you need your payslips.

Fat account balance is not required for schengen visas. As long as your account balance equals the multiplication of the daily subsistence (i believe its around 30euros a day) and the number of days you plan to stay in Europe. E.g. you plan to visit for 5 days, all you are required to evidence in your account is minimum 150 euros. Cheap tickets are available from budget airlines especially for journeys during the week. Cheap accommodation can be sourced from the likes of booking.com and lastminute.com. Affordable travel insurance can be purchased from price comparison sites.

Its standard 2 years for Nigerians even for renewal. Ghanaians get 5 to 10 years when they renew. To the best of my knowledge, Dropbox doesn't apply in the UK.

Cc aopecy hustla SamReinvented mintyx

hustla:

I think turkey too is cheap especially for cotton clothes

Made some research about it

Yes, I've heard Turkey sell quality and affordable clothes. I have also seen it for myself as I used to have work colleague who was a Swiss resident and national. He would travel from Swiss to Turkey regularly to shop for work clothes.

Safeob27:
Hi guys, please permit me to post this question here, I just need advice from people already living in the UK

Please I have offers from Bournemouth university and Kingston university to study Adult nursing msc and I am having trouble deciding which to pick . I am well aware that Kingston is close to London so rent is so high but my husband is a banker and feels there would be more opportunities for him closer to London. Now if I pick Kingston are there areas with affordable rent we can live in , that is not so far from school ?

Please I would love to hear from people who have lived in Bournemouth or surrey please

Thank you

What's your husband's field/experience in banking? Let us know, so we can advice accordingly.

That said, the US investment bank, JP Morgan have a large operational office in Bournemouth.

Chreze:
Anyone with the knowledge please help.

If one sees a business opportunity like say: you discover restaurants need sachet water (for instance) and you intend to provide them with the sachet water after discussing with them and they need it. Do you need to register a business to carry out this type of supply kind of business or it can be done without registering a business name or company?

Or you discover they need zobo to improve their business. You discuss with them and it turns out they buy your idea, do you need to register to run this or you can proceed to supply them.

I hope you get the idea. I need advice please.

1. Register a company or register as a sole trader
2. Open a business bank account
3. Get the required mandatory license/registration required (if applicable for your business activity)
4. Get business insurance (professional indemnity, legal cover, etc). This is very important
5. Prepare a contract. Free templates are available online. Its best to get the contract signed by both parties to avoid a situation where you deliver goods and you do not get paid
6. As soon as the business starts trading actively, get yourself an accountant

Re yankee visa for legal UK residents with passports that are not visa exempt, I'll share the tried and tested strategy tomorrow. Hopefully it hasn't changed.

SamReinvented:

Please name them? If you don’t mind.

https://peritusprivatefinance.co.uk/

Request to speak to a gentleman named Vick

He provides mortgage advice/services for properties in England and Scotland

Mellady:

Just wanted to ask can someone get a nice 3 bedroom house on mortgage in a good location with £30k

Of course yes. It depends on the location and the value of the property.

fatima04:


Lol that's why it's serious like minded people. It does help to build funds quickly for mortgages and heavy investment. Saving alone can take average of 3yrs to build a meaningful deposit suitable for mortgage depending know the location

Even got some Nigerians doing it with solicitors/legal document in place already for the sole purpose of mortgage and nothing else.
Step ladder is also a similar platform for such

Leave them to keep arguing oh

Ajo is bae. I know people that are using it to break into the property ladder. Imagining ajo is 12 months (1k each) and you pack last and then for the next cycle, you pack first. Thats 24k neat within 13 months That's a deposit for a house in the bag.

The caveat is to do it with people you trust and consider credible.

I can't wait to pack mine in July I intend to put 4k straight into my shares and stock lifetime ISA and invest the rest in shares and crypto i must join Lexusgs430 and wonlasewonimi in the largesse they've been getting from shares and crypto

LagosismyHome:


Who go help us do the Buy to let or HMO version ..... please there are some listening ears here

For buy to let, the process is quite similar to a residential mortgage. The major differences are:

1. The deposit required (25% minimum of the house value)

2. Stamp duty (if this is not your first property)

3. Stringent affordability test (the bank will apply minimum 8 - 10% interest on top of the standard mortgate interest rate as part of their affordability test to see if you can afford the mortgage should interest rate increase for any reason)

4. Rental valuation report. This is separate from the home valuation report. It is compulsory and is only accepted from a registered letting agent. The rental valuation report details the estimated rental value of the property and similar properties at the same location. Usually the report will have a lower and higher end rental value. The banks always go with the lower value. The monthly rental value is assessed against the monthly mortgage repayments. If the difference is marginal (e.g. mortgage is £700 a month and projected rental income is £600 a month), the bank won't agree to the mortgage.

Temi231:


Can you advice/ suggest on this

https://peritusprivatefinance.co.uk/

Request to speak to a gentleman named Vick

He provides mortgage services for properties in England and Scotland

ukay2:


Which mortgage broker do you use please?

https://peritusprivatefinance.co.uk/

Request to speak to a gentleman named Vick

He provides mortgage advice/services for properties in England and Scotland

Temi231:
Okay. I think I can go ahead and ask my questions to help people in my shoes that want to stop paying rent money like oga Lexus dey talk . My question is this:
1. What is the step-by-step process of getting property in the Uk? My curiosity is saying; getting a house you like, meeting your bank, meeting mortgage broker( Don’t have anyone now) needs advice on this too, have a lawyer…. Please help us with the detailed process. This country needs guidance to live. Oga Ralphlauren, and other Uk ancestors, please help me put mouth.

I shared the info below last year on the old thread. Its still very relevant with the exception of the stamp duty holiday which was closed last year.

https://www.nairaland.com/4158866/living-uk-life-uk-immigrant/523#98157720

===================

I have a lot to share but I will start with pricing.

Houses are usually advertised as FIXED PRICE, OFFERS IN THE REGION OF and OFFERS ABOVE A CERTAIN PRICE.

Before you place a bid or even consider buying a property, the first thing you should look at and read carefully is the valuation report (called the Home report in Scotland). This report is prepared by a valuer registered with the Royal institute of Chartered Surveyors and it details independent checks carried out by the valuer on the property, the reinstatement value of the property and most importantly, the value of the property in the open market.

The value of the property as stated in the valuation report should be compared with the starting price advertised by the sellers and the price at which similar properties have sold within the same area for a particular period.

Please note that there isn't any bank that will lend you money (mortgage) that is higher than the value of the property stated on the valuation report. A lot of first time buyers make this mistake/false assumption and when they realise they can't fork out the difference, they pull put of the purchase and the sale falls through, leaving them with legal fees and disgusted sellers, etc.

For example, if a property is valued by the valuer as £300,000 and the seller asks for offers above £300,000 and he accepts a bid of £350,000, the bank will lend up to £300,000. This means the buyer would have to put down a deposit of 15% of £300,000 (most lenders are currently not accepting deposits below 15% because of the current economic uncertainty due to covid) and the £50,000 difference will come from the sellers purse plus additional legal fees. So in total, the buyer is putting down £95,000 as deposit.

Its very important not to get carried away with bidding wars and pay over the value of a property. My first purchase was advertised as fixed price and I was able to get £1000 knocked off as the property didn't come with a fridge/freezer and washing machine. Personally, I have never bought a property above the value stated on the valuation report. I take my time, do my research and get the one that fits my budget. grin

When bidding/buying a property, calculator is your best friend. grin you need to have a budget and stick to it. During bidding, start with £1000 above the guide price and instruct your lawyers to keep in regular touch with the seller's solicitors until you agree on an acceptable bid or you walk away.

My most recent purchase was advertised as asking for offers £10,000 below the value of the property. I started bidding by adding £1,000 each time and after some back and forth and assurances to them that missives will be completed within 5 weeks, they accepted a final sale price which was exactly the value as seen on the valuation report.

I will also suggest leaving an impression with the sellers during viewing. I have a friend who bidded for a property but the sellers accepted a lower bid from a young couple because they said my friend was buying the property for investment unlike the young couple that were just starting out with a baby on the way.

If you are not the first time buyer of the property, I will suggest you look at the previous sale price and how much the property has appreciated or depreciated in value throughout its history. You can do same for similar properties in the area and this will give you an idea on the potential future value of the property.

Set up property notification alerts on zoopla,, rightmove, espc, etc and arrange a viewing as soon as you see a property you like. The earlier you put in a bid before other buyers, the better. You do not have to wait until your lawyers put in an offer on your behalf. Let the selling solicitors know that you would like to put in an informal note of interest and your solicitors will be in touch.

You also have to consider legal fees, mortgage advisor fees and stamp duty fees.

Stamp duty fees are so annoying. What you pay depends on if the value of your property is above a certain threshold and whether or not its your first home/main home. There is currently stamp duty holiday which i believes end in March.

Finally, interior decor of a property is key. It can influence the value of a property and attract big spenders to purchase the property.

If you have other questions, tag me and I'll respond.

specialenvoy:
Just another quick one, can I get a mortgage if am on a contract job?

Seems Lenders tend to favour those on a permanent contract more than those on contract jobs, is that true?

Yes, you can. I currently have 2 mortgages. My source of income and affordability tests were based on my contract jobs.

I used very good mortgage brokers/advisors that sourced the lowest possible interest rates for me though.

Anything is possible if you have a very good mortgage broker that knows his stuff.

specialenvoy:
Thank you for this but if am doing outside IR35 will mean that I have to use my own registered company and sort out all the tax payments myself?

Yes, you can get paid using your registered company where you have to pay corporation tax, etc or you can use an umbrella company.

If you decide to use your registered company, get yourself a good accountant. Asians or Nigerian accountants are usually good.

Temi231:


Madam, how many months do you think someone can start thinking of buying a house of its own in the Uk. When do you think I can approach a bank and what advantage do someone that already have at least 20% of the deposit for intending house? Thank you always for your insightful advice

Its not just about having a deposit. The bank looks at affordability. That is, can you pay your mortgage monthly through the term of the mortgage without defaulting? You need to have stable and regular income to demonstrate affordability.

If you have a job that covers your expenses including the monthly repayments, then you are good to go.

specialenvoy:
For those in IT, Please I need leads on where I can get contract jobs specifically on Data Analyst roles

Thanks

Linkedin. Set up varied job alerts and make sure you visit the "jobs" section on the app to view jobs and apply.

2 of my 3 recent roles have been via LinkedIn (the first I saw on my feed because someone I was following reposted and the second, the recruiter contacted me directly via linkedin). The 3rd role was via indeed - it was advertised and I applied.

I'm currently interviewing for another role and it was also via LinkedIn (I was redirected to apply for the role on monster.com).

specialenvoy:
Please on this contract job, which is better Inside IR35 or Outside?

Also, are wages paid weekly or monthly if one is getting a daily contract job?

Outside IR35 is better as you are able to claim expenses which means your take home pay is much more depending on your tax arrangements. Eg. Getting paid minimum wage every month and taking a lump dividend payment at the end of the company's financial year.

Regarding the frequency of wage payments, it depends on the recruitment agency. Some pay weekly but majority pay monthly. Some crazy ones have 45-60 days payment policy especially for roles outside IR35.

AltCtrlDel:


I consulted the oracle's but they have not spoken. Pls how do I get items bought on US websites into the UK without robbing a bank to pay duties?

Lexusgs430

As lexusgs430 has suggested, travel to the US and do all your shopping. Its cheaper than you think. If you travel off peak, you can get return BA flights from London to New York for around £350-£400.

Prior to the pandemic, I would travel to the US at least twice a year for vacation and stock up on casual/office wear. Talk about using one bird to kill two stones. My username says it all. You get the best RL outfits for the best prices in the US.

If you do not hold a foreign passport, getting a US visa is very easy. You just need to understand the "common" strategy that applies for UK resident applicants.

Santa2:


The thing is there happen to be a school next to the year 2 kids school, they have spaces but require we send include them on the list of schools with the council as we didn't do this before. Omo, the thing is too complex jare, will have the kid start school on Monday..while we appeal with the council/school for the year 2 school. Transport cost not an issue at all, its the fact that both schools close at the same time, leaving one child to have to wait for a while before pickup, most times its just one parent available for school runs. Thanks for all the pointers

The school next to the school of the year 2 child might be your best option. Based on my experience, such "side by side" schools usually open early and close earlier than the other school (15 to 30mins difference) as this reduces human and vehicular traffic around the school environment and it gives parents with kids at both schools from the same household ample time to pick up and drop off their kids.

Teettyllayho:

Please I need advise from people with grown up kids.

Honestly, parenting is not easy. I don't even know what to do anymore.

My first son is 7 but he is kind of slow. However, he's above average in learning and he's learning at his pace. I understand all of this and I'm always happy to guide him.

But I don't know if I'm too hard or too soft on him because I use to talk to him a lot. I only beat him when he does something serious (like going against my rules, or not doing his homework when he should).

These days, whenever I scold him, he would give me a sad look and he might even shout saying: "I've heard you!" Then, he will be alone in a corner for some time.

Sometimes, I'd go close to him and tell him why I had to scold him and he'd say "I don't like it when you shout at me" I'd apologize and hug him (I don't even know if I'm spoiling him by apologizing). .

I don't know how to scold without putting a bit of action at least. Shey I'll be whispering and scolding ni? Sometimes, I'll leave him and pretend as if I didn't see him when he brings up such attitude.

Last week, he mistakenly brought back someone else's lunch box home because they look very much alike. I told him it's okay that it happens and I promised to write his name in bold when he brings back his box the next day to prevent such from happening again.

Could you believe that he came back with the other person's lunch box again? When I asked him, he said he didn't see his lunch box and the boy that took his own. Then I asked: Did you tell your class teacher? Are you sure you know the boy?

His reply: I didn't tell my teacher because I know the boy and I went to his class but he wasn't there.

So, I figured that he must have gone to check once and didn't bother to check again. And he didn't bother to also tell his class teacher.

So, I was very mad this time and told him not to bring someone else's property home again, no matter what!

I think he would have told his teacher if he really valued his property because he told me something that made me really mad the next morning.

"Mummy, or will you buy me another lunch box since we can't find mine?" Luckily for me, he was brushing his teeth then and I was bathing for his sister. The resounding slap I gave him on his back brought back his senses.

I don't know why he always want something new. He spoilt the lunch box I bought for him and his sister o and he's using another one now. That is, he wants me to buy a third one while his sister is still using the first one? How na?

I don't even know what to think. Why would he want a new box when he's barely used the new one?

Then, he's always talking about how his classmates use to bring different kinds of food ( he wasn't like this before o).

I try as much as possible to make different foods for him too, and he's stopped complaining.

We recently changed his school and his new school has quite a lot of pupils. I Don't know if that's affecting him.

Honestly, I'm bothered about the changes and I don't know how best to address it.

I've made him understand countless times that he should always be content with whatever he has and he shouldn't compare himself with anyone.

I just finished with another round of lecture now and he has tears in his eyes saying:

"Mummy, stop shouting at me. It makes me sad"

I was heartbroken and felt guilty seeing him like this and I did everything possible to make him see why I had to shout or scold.

Please how can I scold a child without shouting? Am I spoiling him? Can someone help with tips?
Honestly, I'm tired!

Shouting on a child is emotional abuse. You need to stop it.

You can talk him in a calm manner clearing highlighting what he has done wrong.

mrnairaland1:
Hello lovelies. I need your opinions here. As a student that entered into the UK and still has 8 months to the end of the program and has a tier 2 Sponsorship offer (at a cost though).
Is it advisable to convert now or convert towards the end of the program? If now, what is the best and safest way to go about it for smooth transitioning from student to sponsored worker. Thanks

Not sure to be honest but I think you can continue your studies with the tier 2 visa.

Uzonma:
Hello good morning everyone,
Please I have been asked by an employer to choose between umbrella and PAYEE payment system
Please which is better?

I'm guessing this is a contract job offering a day rates? If yes, then ask for a salary illustration from both the umbrella company and whoever administers the Payee system. Compare the take home pay offered and then make your decision.

Based on my experience, you are better off with the umbrella (although they have their charges called "margins" ) when compared to the take home salary being offered by the payee payroll system.

Most agencies have more than one preferred umbrella company, so I'll suggest you ask for salary illustration from all of them before you decide on who to go with.

Santa2:


@mex551 How were you able to resolve this? did you appeal to the council? Or did you wait it out. I happen to be in a similar situation, the nearest school, has a place for year 2, the kid has started, the year 4 school is further away, he has not started because we are awaiting an offer from a closer school that has space. However the further away year 4 schools keeps calling that he should resume as its illegal for him to be out of school after being offered a place.

Your child needs to resume school ASAP before the school reports your family to social services. Last thing you want is the police at your door "conducting a welfare check" on your child and social services extending their magnifying glass in your family's affairs.

If you need financial support or assistance with transport costs, speak to the school and/or the council. That said, lack of finances to transport a child to school is not an acceptable legal reason to keep a young child away from school.

Some schools have waiting list of over 2 years and there's no guarantee your child will be offered a place till he/she starts secondary school. Are you saying your child will not attend school if this scenario plays out?

Refusing to take your child to the school that has offered you a place will not force the nearer school to grant your child preferential treatment and allow he/she skip the waiting list.

Pearlyfaze:
Good evening Ancestors. Thank you all for all the valuable information you keep dropping here.
Please can anyone help me with finding accommodation 2-3bed flat/house in Newcastle NE39 Rowland axis. Secondly any idea on how much it will cost me to use taxi to move from Edinburgh to Newcastle.

Please help.

Call capital cars Edinburgh and they will give you a quote depending on the size of the cab you are looking to book. If you are travelling with a lot of luggage, let them know and they can book a 7 seater or any other suitable vehicle for you. Another option is to check uber. The app should give you a quote.

Pacypatty:
Good afternoon house and gurus pls a friend just got a job in the UK and today he was sent a mail by the employer that his passport or Visa change has been completed on his behalf.
Can someone explain what it means. Thank you

Did he do biometrics for the new visa category?

Was he issued a new biometric card? If a "visa change" has been done, then he should have received a new biometric card from the home office.

He needs to speak to his employer and obtain further clarity.

bluebella:
Good Morning Special people here.

The challenge now is that the 3-bedroom we have made a commitment for won't be ready till the middle of May.
I don't have the energy of looking for short-stay accommodation now.

Please, elders and wise ones, what should I do?

He is just bluffing. He can't throw you out and neither can he summon the police to throw you out. This is a civil issue.

Just make sure you do not get confrontational,physical or aggressive with him. If he attempts any aggression against you or lays a finger on you, feel free to call the police and try and get some video evidence.

Tell him he has to give you till May to move out. You are happy to pay him the extra 60 quid in the interest of peace and remind him that you've been responsible for all bills. Let him know that you are aware renting council property is illegal (not only will the council take the flat from him, they will also prosecute him and recover all lost income) and if he STRESSES you, you are going to involve the council as they are best people to settle the issue since they are the owners of the property and you are both "tenants".

Temi231:
Please ohh, I have come my brothers and sisters . Where can I get a good deal for curtains and Rugs. I need to rug my apartment so as to spend less on heating. Abeg I need experienced people advice Biko. This country, I no wan do pass myself. Eshey gan ni. Thank you

Argos sells a wide range of thermal curtains which are ideal for bedrooms.

Rugs - check carpetright.

Freedom2022:


I quite agree bro but let me shock you. In 2019, i was fed up of all this and i visited MFM on Lagos Ibadan express way. I was there for 3 days for the end of the year deliverance program. It was powerful and i believe that i will be free after the program, I was very optimistic and i was really thanking God because i felt something. Do you believe that when i got home after the 3 days prayer, my brother sent me some money (i think about 30k).m In my mind i was like yes this is it, a new life. Not up to 1 hour that i got home, i begin to cough again. Before i could blink i deposited my money into my Forex account and within 1 hour all the money is gone. Then the cycle continued so i begin to wonder in my mind "is it that the deliverance wasnt complete?"

The forex account is your problem. You need to close it down immediately and unsubscribe from news articles, WhatsApp groups or anything related to forex.

Forex trading is literally gambling. You have a huge gambling problem and you are unfortunately in denial.

The day you accept that the root cause of your problem is your forex trading gambling, that is the day you liberate yourself from the shackles of regression.