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Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Rubyventures: 4:08pm On Sep 16
Lexusgs430:



Equally volatile....... cheesy

It depends on the kind of shares.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Rubyventures: 9:57am On Sep 16
Leamington:
Goodmorning House

I recently arrived in the UK on a dependant visa. Please what's the best risk free investment, with reasonable interest for an initial investment of £20k.

I checked the banks bonds and some bank investments, their rates are horrible.

Any advise pls?

20k seems too small for a riak free real estate investment coupled with the fact that have zero experience on that. Crypto is entirely out of my option.

Shares
Celebrities / Re: Davido Hanging On A Moving Keke In London (Video) by Rubyventures: 3:57pm On Sep 15
That looks more like a Rickshaw to me
Fashion / Re: Fashion Or Madness? by Rubyventures: 10:12am On Sep 15
That's the way she wants to dress, what's the problem?

Nigeria has got more pressing issues.
Art, Graphics & Video / Re: My drawing portfolio by Rubyventures: 10:28am On Sep 01
marylandcakes:
Using Fabre- Castell colouring pencils to draw an apple.


https://www.youtube.com/watch?v=Q75f61XcSh4

It looks so real. Well done
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Rubyventures: 9:58am On Sep 01
Even electricians there are some that don't like to get their hands dirty, so they just concentrate on issuing electrical certificates . They don't even spend up to 20mins on the job and issue a certificate of £175, depending on the size of the property. The same with some plumbers the corgi registered ones. Someone else does the job and they issue a gas certificate. In the UK its illegal to place a tenant in a property without this things. You also have the ones that issue the EPC certificates.

There is a lot of money to be made in these professions and there is a skill shortage. Employers are paid to take on apprentices for theses trades.

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Rubyventures: 9:50am On Sep 01
wallg123:


I’m not sure where you heading with this but I can tell you that data is inaccurate as of today.
My sister in-laws is training to be a plumber, she earns over £45k and she only works Monday to Friday in London. Her dad (my father-in-law) is a gas and electrician by trade and he earns more than £90k . I only got to know this cuz I saw the tax documents.
As at 2016 HGV (7. Tonne) drivers working for IKEA/DHL were on £35K while those from agencies earned £15/£17 per hour. A class 1 HGV driver would earn more than a 7 tonne HGV driver. Likewise HGV drivers that drive those fuel tankers earn over £50k as at 2016. …

You can’t be a long distance driver for the fun of it. You have to love driving for you to enjoy it…

I only got a HGV license as my plan B in 2016 just in case I didn’t get an engineering job. I don’t use it anymore but at least I have an option.

Anybody that loves driving and can do manual handing should use the opportunity ( shortage of drivers in the UK) to train.

Same here, i see tax documents for plumbers of £150k net and more.

2 Likes

Art, Graphics & Video / Re: My drawing portfolio by Rubyventures: 10:20am On Aug 31
marylandcakes:
Using Fabre- Castell colouring pencils to draw an apple.


https://www.youtube.com/watch?v=Q75f61XcSh4

Whao!!!!!
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Rubyventures: 10:17am On Aug 31
AirBay:


It's not a Must to tell people at home your job specifics grin

It can always be translated as a pipe and drain engineer,

Window cleaner = Vision enhancer
Shelf stacker = Replenishment assistant

7 Likes 1 Share

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Rubyventures: 10:14am On Aug 31
AirBay:
@All ELDERS

What's the best bank for Fixed Deposit for a 1year term?

Also can anyone advice a good investment with a mouth-watering ROI grin EXCLUDING Crypto




If you have at least £20K to invest then use a good investment manger like vanguard to invest in index shares. They are not too expensive they charge about £7 per quarter. They have many good packages that cover the whole of the market. You cant go wrong. This will cover your ISA annual allowance so you won't have to pay tax on your returns.

2 Likes 4 Shares

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Rubyventures: 10:05am On Aug 31
deept:


I hired a guy to come plaster a section of a wall earlier this month, paid over £200 for less than a 2 hour job. Speaking to him, he said this was his if i can remember correctly his 10th job for the year. He used to drive a Porsche which he sold recently even at a price higher than what he paid for it. My mouth dropped at some of the stories he told us about how much he has made over the years and believe me lots of is that do white collar jobs don't earn that kind of money and they collect cash so don't pay HMRC anything.

Paid one to do the kitchen, minus the cost of the appliances and cabinets i calculated £4000 as his take home for about a 10 day job and he worked at his own pace. How many of us earn that?

When you start, you might have to build credibility and experience, but when you get that, the sky is the limit to what you want to earn and how you want to work.

All the people that ask what certification they need to do to get a job in the UK, of you are still in Nigeria, go and attach yourself to that Baba painter and Bana plumber and Baba carpenter even barber to learn the trade, come here fine tune the skills get whatever CSCS card or certification you need and with God on your side, there are no limits.

Well said. Tell all the certificate collectors. This is the reality on ground.

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Rubyventures: 2:01pm On Aug 26
wallg123:
I read on the metro today that Nigeria might be going back into Red list countries. I thought it’s worth sharing in case you planing to enter Naija anytime soon

I read it too, Nigeria, Ghana, Algeria, St Lucia etc
Sports / Re: Tokyo Paralympics 2020: Latifat Tijani Wins Gold In Women's 45kg Powerlifting by Rubyventures: 10:48am On Aug 26
congratulations

1 Like

Health / Re: Please What Is Breaking Out On My Skin ? by Rubyventures: 10:45am On Aug 26
Na crawcraw
Art, Graphics & Video / Re: My drawing portfolio by Rubyventures: 10:41am On Aug 26
marylandcakes:


Thanks


You're welcome. smiley
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Rubyventures: 9:31am On Aug 26
mrcodebreaker:
As regards building credit score. I read online that paying utility bills don’t help but when you own or default it can affect it. Correct?

It depends on the company you use. I changed to E.on last year and received an an alert from my credit report that my points had gone down just because they put themselves on my credit report. Not all utility companies do this.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Rubyventures: 9:24am On Aug 26
icon8:
Lexusgs430
Omopapa
TheGuyFromHR
Mamatukwas
Rubyventures

New food don land oh! grin

Many thanks for the invite oga icon. grin grin
Entertainment / Re: Young Lady Shows Off Her Acrobatic Dance Skills At An Event (Video) by Rubyventures: 2:58pm On Aug 25
I don't call this dancing, its more like being possessed.
Politics / Re: Muhammed Dingyadi: Do Not Pick Up Arms To Defend Yourselves, Report To Police by Rubyventures: 1:13pm On Aug 25
Which police? the one in New York?
Autos / Re: Pls What's The Name Of This Vehicle? by Rubyventures: 11:11am On Aug 25
Motortricle grin grin grin
Travel / Re: Living In The Uk/life As A UK Immigrant by Rubyventures: 9:43am On Aug 25
icon8:


As prospective students don hijack the thread na grin

Tell me about it.. angry angry

I don't bother reading the thread word for word any more. I'm this close to unfollowing shocked shocked

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by Rubyventures: 9:41am On Aug 25
deept:
Guys that are planning on buying new build houses on new developments, something to be wary about.


https://hoa.org.uk/2016/11/problems-facing-freeholders-new-developments/

Ps: where have all the gurus gone?

Many thanks for this. I'm in the same predicament I bought freehold newbuilt but have to pay a small maintenance fee. In all fairness to the management company the place is well maintained. I rather pay a small fee than them transfer it over to the council.

1 Like 2 Shares

Art, Graphics & Video / Re: My drawing portfolio by Rubyventures: 9:53am On Aug 23
Romance / Re: Have You Ever Felt Relieved After Ending A Friendship Or Relationship? by Rubyventures: 2:22pm On Aug 19
Yes, the day I ended my relationship with sugar
Politics / Re: Police Officers Arrested By Edo Vigilante For Transporting Illicit Weed (Video) by Rubyventures: 2:18pm On Aug 19
When the cart starts to drag the horse then there's a big problem
Romance / Re: Is It Right For A 30-Year-Old Man To Date An 18-Year-Old Girl? by Rubyventures: 2:50pm On Aug 18
nurain150:

17.5 isn't that 18 shocked

The heading states "is it right for a 30 year old to date an 18 year old?". That's what my answer is based on.
Romance / Re: Is It Right For A 30-Year-Old Man To Date An 18-Year-Old Girl? by Rubyventures: 9:57am On Aug 18
nurain150:

But 17 years isn't

The topic reads 18years
Food / Re: Low Fat Nigerian Plantain Porridge by Rubyventures: 4:34pm On Aug 17
marylandcakes:


Thank you.

You can also watch my videos for free and it teaches you how to make diabetic meals.

grin grin grin grin
Romance / Re: Is It Right For A 30-Year-Old Man To Date An 18-Year-Old Girl? by Rubyventures: 4:30pm On Aug 17
Yes if they are both agree. They are both consenting adults.
Politics / Re: FFK: If You Supported Biden, Pray That Boko Haram Don't Take Over Nigeria by Rubyventures: 3:51pm On Aug 17
If the Afgans are not ready to die for their country why should they expect the US and UK Soldiers. ?

1 Like

Travel / Re: Living In The Uk/life As A UK Immigrant by Rubyventures: 1:03pm On Aug 16
Lexusgs430:
Ẹ be like say Nigeria don RED........ cheesy

Abi Taliban don take over join Kabul?

1 Like

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