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Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 11:31pm On Apr 11, 2023
If person no want Primark, make dem waka 👣 enter Selfridges, shebi na d same Weston family
Oh, person fit step foot 🦶 for Harrods or jump inside House of Fraser since dem get common history with Al Fayeds
I come in peace oh 🕊️ 🙌🏽
eniola1010:
I tink say u go mention primark. Make i throw u stone

3 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 4:52pm On Apr 09, 2023
I think Rinzylee comes close to bridging Lexusgs430 and Justwise. Explainable Financial flow is essential just as fair enough balance is important. Find a balancing balance of these financial balancing act ⚖️. NB: Bigtt76 made a valuable point.
rinzylee:
What was the traffic in your account like?
What was your salary cap?
These should be the considerations
justwise:
I disagree, amount left is at the end of the month is even more important. if you got nothing left at the end of the month how will you be able to invite someone who will ultimately depend on you financially?
Lexusgs430:
If £0.00 balance is an issue........ How much should be the end balance, before one can feel comfortable, sponsoring a UK visitor...........🤣😭😂
justwise:
Budget at least £2,000 and submit payslips and bank statement to support your source of income.
rinzylee:
Please how much is POF required to invite Parent or Sibling to the UK as a resident?
Good afternoon and Happy Easter everyone!
May our prayers ascend fast because our saviour is risen!!!

2 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 11:49pm On Apr 04, 2023
Preshyi:
Hello guys, I apologise this is a long post but I need your contributions please.
My brother is registered with indeedflex and he was given a shift at Sainsbury's. When he was about to leave after the shift they were told they all need to be searched cos someone stole from one of the sections. However, they didnt see anything on him. Some days after his shift he did not receive payment and he first contacted the shift leader in Sainsbury's who said he will not be paid cos he was caught stealing. He probed further to understand where the accusation was coming from but they stopped responding. He then contacted indeedflex and they repeated same thing. He told them that it was a blatant lie and needs evidence of that. He sent several messages to talk about how the accusation has traumatized him and affected him financially. After some days they finally paid him and according to indeedflex it was cos he returned the stolen item when confronted. He insisted it was all false and he needs them to investigate and show him CCTV evidence or something. They said they cannot release the evidence cos of GDPR, that they will not push it any further but will keep an eye on his account. He has not gotten shifts in Sainsbury's ever since. We need advice on how we can get to the root of this please, it is a serious and false accusation that has the tendency of tarnishing his image. There were other black agency workers that worked there on that day and this could be a case of mistaken identity. Do we need to talk to a lawyer?
On prima facie basis, that is on face value of your narrative, e wrongo on all level.
Simply ans: get a lawyer and get the moola. All of 'em.

Quick one. The talk or excuse about GDPR or UK DPA and CCTV, in your specific instance, is gibberish. Dem just get kwashiorkor or diarrhea for mouth.
PS: in the UK, under the DPA 2018 (and UK GDPR), you have subject access request (SAR). Read more here

The bolded are all indicators of wrongdoings. Get all your facts right and move.
Two options but not mutually exclusive.
1. Go to ACAS (we've discuss 'em on this thread in recent months). Simply opt for #advise. No need filing a complaint. Send a demand to Indeedflex and Sainsbury (who suppose act Saintsbury).
[ACAS]
- https://www.gov.uk/pay-and-work-rights
- https://www.gov.uk/government/organisations/acas
2. Get a lawyer to further a final letter of demand, failing which legal action commence.
: Employment Tribunal
Yes, you can go work infringement, unlawful deduction, injury to feeling or even harassment and 'modern slavery' ( not so straightforward).
You can read some employment Tribunal ruling - https://www.gov.uk/employment-tribunal-decisions/mr-s-mohamed-v-the-government-of-the-state-of-kuwait-2206285-slash-2020

:Civil Court
You also have civil (civil-wrong, tort) claim for assassination of character, character assassination, defamation of character. Well, High Court is your stop.
Process: Recommend to work through a lawyer well versed in character assassination, Defamation of character
Note: character assassination is a deliberate attempt to destroy someone's reputation, especially by criticizing them in an unfair and dishonest way when they are not present.
Kindly take note Defamation Act 2013

NB: in your claim route (at the court), you may be requested to 'pause' litigation and go the mediation route (ADR: Alternative Dispute Resolution). Your rights remains reserved
PS: this one go cost you an arm and a leg 🦵. Then fit do am Sha. Link Saunders

Link: Reading this might help, although it's States focus: Suing an Employer for Defamation of Character

NB this is not a binding legal advisory as contemplated in law

19 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 9:26pm On Apr 03, 2023
donald197:
Pls who knows any cheap way of sending stuff(clothes) from naija to UK. The prices that DHL is quoting are killing
giselle237:
God is good logistics cheaper than dhl
P. 885:
Solumtoya:
I will get that info. All I did was to go pick it up at Peckham. The phone number I had to call for pick up was 07915243229. Their office address here is Covenant Air and Sea Cargo Ltd, 9 Peckham Park Rd, London SE15 6TR.

Overall, the service was fair. Goods arrived intact and on time, so I can't really complain.

7 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 8:49am On Apr 03, 2023
Viruses:
I thought there's a 5 miles allowance for which speed limit can be exceeded.
Should be. That should end at 34mph. The next is 35mph!
PS: that's my personal view
Travel / Re: UK Skilled Worker Visa / Health And Care Worker Visa / Qualified Teacher Route by semmyk(m): 8:43am On Apr 03, 2023
BuildingProject:
He applied for a student visa application which was successful.
- He got a BRP.
- He is even in school which we all know, they don't issue certificate for degree immediately you finish your course.
Reason why that clause is their. Any previous application that was successful. But wetin I know.
Thanks for the clarification again.
👍🏽 A previous successful application suffices. Spot-on.
That satisfy proof. It is not the original English documentation; it's the successful application.
If however, any has had a firsthand negative experience (decline), kindly let us know.
semmyk:
... ... YouKay gov site.
For HCA - https://www.gov.uk/health-care-worker-visa/knowledge-of-english
- You’ll usually need to prove your knowledge of the English language when you apply, unless you did this in a previous successful visa application
... ...
Travel / Re: GENERAL Irish (student)visa & Work Permit-New THREAD*** by semmyk(m): 8:27am On Apr 03, 2023
Kiingdomjw:
For innocent students out there, beware of Holmes Institute Dublin. They're undeniably a bunch of hoax and baloney.
It's always said that the disadvantages of cheap commodity always outweighs it's advantages. Thread carefully and all the best in your study endeavors.
Thanks for bringing this up. Kindly provide further details to assist others in their decision. Apparently, you have firsthand experience of Holmes as you are there.
I recall they are a new school in Ireland. They are part of the Australian Holmes education group. Holmes 'forced' their way through in Ireland 2021 to start overseas offering in 2022 - https://www.breakingnews.ie/ireland/education-group-challenges-restriction-on-offering-courses-to-overseas-students-1188763.html
Their Auz review aren't great - https://www.edarabia.com/holmes-institute-melbourne-australia/
Kiingdomjw:
Pleas guys,
If you are already in Holmes Institute Dublin or planning to start the process, gather let's share ideas.
ICaSNg:
The school is genuine but a new school- they started last year in Dublin and only currently offering Undergraduate programs in Business.
... ...
Dpiano:
Please how did you go about it?I mean the admission process..and do you know if this school is real??Holmes institute Dublin
Dpiano:
Please who knows about Holmes institute Dublin and is the school accredited??an agent sent me their admission offer...he wants me to pay my school fees through him..I don't know much about Ireland..anyone who can help with helpful information...I would be grateful
semmyk:
... ...
Kindly check your program on the ILEP list: www.irishimmigration.ie/coming-to-study-in-ireland/what-are-my-study-options/interim-list-of-eligible-programmes-ilep/
Ensure your intended program is explicitly listed and confirm the level.
All the best
PS: thanks ICaSNG for the update on affordable schools. Yes, A lot is ongoing in restructuring third-level schools in Ireland.
ICaSNg:
LET's UPDATE OUR LIST
Affordable Irish School options to consider for 2023 :
HOLMES INSTITUTE - Bachelors degree in Business - 10000 euros + 50% discount applies - Overall tuition per year becomes 5000 Euros
... ...
Travel / Re: Living In The UK: Property,Mortgage And Related by semmyk(m): 8:22pm On Apr 02, 2023
AlakeOfEngland:
Hi @Semmyk.
Can you help highlight the pro's and cons of living, renting and buying a council house, please?
Thanks a bunch!
I'll have to research this (tabulate pros & cons) and revert. #JustBeingTransparent
I can't promise when. I trust the gurus in the house to fill in though.
Buying a Council house comes with getting discounts, very good one. The discount depends on how long you've rented. The snag though is when selling the house if you need to move on.

Link: YouKay gov Right to Buy (Council) house

This HOA is worth giving a read: Right to Buy explained: Buying your council house

1 Like

Travel / Re: UK Skilled Worker Visa / Health And Care Worker Visa / Qualified Teacher Route by semmyk(m): 9:34am On Apr 01, 2023
There're couple of options if proof of English is required. See the YouKay gov site.
For HCA - https://www.gov.uk/health-care-worker-visa/knowledge-of-english
- You’ll usually need to prove your knowledge of the English language when you apply, unless you did this in a previous successful visa application
The keyword is previous. The key phrase is previous successful visa application.
There's no qualifying of visa type.
abuhusna1:

Stop giving false information when it comes to people's life base on your feelings without any proof. It's either a degree certified by naric or ielts.
BuildingProject:
You can use your CAS. Cause it is assumed you're checked for English proficiency before you're given admission.
Yemite14557:
Hello guys , Can a tier 4 student switching to tier 2 care visa use CAS as proof of English or it’s a must to write ielts or NARIC ??

1 Like

Travel / Re: GENERAL Irish (student)visa & Work Permit-New THREAD*** by semmyk(m): 9:19am On Apr 01, 2023
Which account (s) you use is your choice. Kindly pay careful attention to Humphery01 explanation. It covers practically what's been said on this forum.
Even if you use Edubond, still explain the account it came from. The principle remains the same. The only plus of Edubond is piercing through your account privacy is reduced a bunch. That is they won't be pokenosing intrusively too much
Kindly reflect and act wisely. All the best.
Pascal122:
How about the money in my domiciliary account? That's the one I want to use as proof of funds I have invoices and receipts as to where the money came from.
The money in my naira savings account was gotten from the sale of my digital currencies with the purpose of paying my school fees with form A. There are a number of lump sums there, but almost are were received from one person, the buyer of my digital currencies.
Humphery01:
In Ireland,
The main account the need is the one where your fees where paid from. And how the money in that account was gotten. (Business registration or salary payslips must be presented)
Salary account is also needed or your private busi ess account..
All these is to make sure the money wasn't gotten from an illicit transaction and that you have access to such funds when you get to Ireland either from your account or your sponsors.
On your letter will need to do alot of explanations on how the money came about.(only lump-sum)
Just prepare all those bank statements keep

Gaps no really matter just find one work Experience put there.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 12:00am On Apr 01, 2023
Spots on
Santa2:
@vintagee You can actually open the account this very minute with just £1. You dont have to wait till you get the full £4000 to open the account. Open the account, what ever amount you have you put in it. Minimum amount to open is £1. So long as you are below 40 before you open the account then you are fine, even if its just a day before.
Just Nike it, even if it's ONE day to 40!
You can always top up till you're #50 #HappyInvesting #GloriousEndYears
Vintagee:
Hi Semmyk,
For someone turning 40 by September this year, can the person still open the LISA let's say by July?
PS: there're gurus on LISA than I do.
On property aspects of LISA, I'll only reply on the property and mortgage thread.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 9:27am On Mar 30, 2023
DoDirtsLikeWorm:
Please I want to ask, this car insurance of a thing, is it a must that one has it or is it optional?
Reason why I am asking this is that, I may want to buy a £3k car and decides if it perishes-it perish Instead of paying extra money all in the name of Insurance. We no care for insurance in this side of the climate 9-japa.
In some other clime, insurance is essential.

In the YouKay, it's #illegal and #mandatory (PS: I concur with Lexusgs430, AgentXxx, Koonbey, Seunoj)
[Extracts gov.uk]
[1] It’s illegal to drive a vehicle on a road or in a public place without at least 3rd party insurance.
Even if the vehicle itself is insured, if you’re not correctly insured to drive it you could get penalised.


[2] You must have motor insurance to drive your vehicle on UK roads.
Third party insurance is the legal minimum

2 Likes 1 Share

Travel / Re: Living In The UK: Property,Mortgage And Related by semmyk(m): 7:55pm On Mar 29, 2023
From 1st post on this thread. Numero uno
semmyk:
🏘️🏚️🏠 ... ... 🏘️🏚️🏠🏡
... ... Posts here are about AND must be about Mortgage-related issues in the UK.
Clarity around housing (the house, structure of the house, rules around housing ...) are welcomed, including those of rental. However, request for rental availability or how to rent ARE NOT ALLOWED! Do not post them here.
Over the lifetime of this thread, key terms will be added.
Sit back, keep calm and enjoy the mortgage-sourcing
... ...
slimanyd:
Anyone residing in Birmingham here. Need 2 bedroom apartment. All bills inclusive. Abeg.
emperorlaqrin:
In need for a shared apartment in London please contact me ASAP.

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 7:57am On Mar 29, 2023
slimanyd:
Okay. And can this money be paid at the airport boss or only online ?
BA has one of the most generous cabin (hand) luggage. Apart from your laptop bag, you can do more than 7kg (be reasonable though): some do literally as much as around 22kg. Beware, this vary from country to countries, and for different destination, (and in some instances, the check-in officer!). By and large, BA is generally liberal.
Regarding paying for extra baggage(s), you can pay online before check-in, or you pay at the airport when checking in. Unfortunately, BA no longer published its extra baggage fee/prices on her site.
What you can do is to get on BA site. For instance, https://www.britishairways.com/travel/managebooking/public/en_gb
Put in your booking reference and surname. Your travel itinerary pops up. Within, kindly look for the baggage section. You'll see an option for adding more baggage 🛄.
The prices of extra baggage, are not as expensive as they used to be; so it seems.
Also, on some route, the difference between (a priori) online price and price at the airport can be as low at only £10 more expensive at the airport. Which is fine. However, on some route, the difference can be as much as £50.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 6:47am On Mar 29, 2023
Typically, cheaper buying (online) before getting to the airport. [Probably also through the agents, I donno]
slimanyd:
Meaning one can pay for the excess at the airport if one decides to take above the excess kg ba?
Lexusgs430:
Buy extra bag capacity) ...

2 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 6:43am On Mar 29, 2023
Poanan:
newbie abeg answer me. This money you deposited on the LISA account, can it be withdrawn if your are not ready to buy a house?
Short response, No!
Long response, yes you can, when you're 60. If you withdraw before 60, you pay a penalty (about 25%). LISA is an instrument for saving towards deposit for your (1st) house or saving towards retirement.
Read more in the property and mortgage thread. See below 👇
semmyk:
Placeholder 3
____________________
[LISA] - See www.gov.uk/lifetime-isa
Lifetime ISA (Individual Savings Account) to buy your first home or save for later life. You must be 18 or over but under 40 to open a Lifetime ISA.
You can put in up to £4,000 each year, until you’re 50. You must make your first payment into your ISA before you’re 40.
The government will add a 25% bonus to your savings, up to a maximum of £1,000 per year.
NB: The Lifetime ISA limit of £4,000 counts towards your annual ISA limit. This is £20,000 for the 2022 to 2023 tax year.
Read more ... link: LISA at a glance
Save the students guide on LISA - link

While on LISA, don't lose sight of options

4 Likes 1 Share

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 8:02am On Mar 27, 2023
koonbey:
What's your specialty? What did you study in the MSc? There are many legal roles (privacy and IT GRC generally, corporate governance, AML/CFT, etc.) you can apply for that would benefit from a legal background but don't require being called in the UK. Just search 'paralegal', 'legal' on LinkedIN in combination with your specialty, and you should see a plethora of open jobs.
hustla:
There's Law in Tech too
Might want to look at Governance, Risk and Compliance in IT too. Been seeing Lawyers on Linkedin crushing it in that department
GRC, AML/KYC/CFT, Privacy 🔏 are loosely under compliance or risk (when compliance is not standalone).
These are lucrative areas worth exploring. Legal background (especially the reasoning and asserting capability aspect of law) would stand you out.

Question remains, what catches your interest. Pls pay attention to @Koonbey (probing) posers. They'll assist in 'guiding' appropriately. Yes, this is a faceless forum.

semmyk:
... ...
In the circumstances, your lack of sufficient particularities and cause of action, your post stands down. All rise!! 😂
Now that the 'vague' are (being) addressed and your matter back on the roll
AgentXxx:
... ... and SQE2 which cost a fortune, we are looking for alternatives that cost less or nothing sef to fall in. Which path is almost straight forward with no special cert exam ... ...
The GRC, AML/KYC/CFT, Privacy certs are not statutorily like SQE2. They do have some structures though. They also come with cost, at scaling rate. AML is notorious of 'em lot: you get CAM exams at £1k and £3k.
For Privacy, consider those certs around DPA and GDPR
For instance, but not limited to
- BCS Practitioner Certificate in Data Protection
- IAPP'S CIPP/E
- ISACA's CDPSE
- Practitioner Certificate in Data Protection
- DPO ('GDPR UK ')

Inbtw, one 9f the things that aroused my interest in 'law' (among others) was my involvement in GRC some years back.
-_____________________________________
For discuss on GRC, AML/KYC/CFT, see pages 802, 803
Goke7:
It's not really about the money which In my opinion should not be first consideration as a new immigrant. You need to have the required skills, experience and credentials especially UK recognised qualifications to stand out. I know in recent times, KYC and AML (anti money laundering) related roles are becoming more in demand. Audit especially Technical Audit (a combo of audit and analytics) is becoming more popular. In all, the issues of climate change which is now known as ESG reporting which is a requirement by govt for most companies now has heightened the need for financial reporting with ESG ( Environmental and social governance) expertise. I think with these, one will have an advantage in getting high end roles or jobs. The question however is if one meets the requirements. ... ...
hustla:
Starting to see these roles quite a bit
The AML certification is very expensive and valuable as I have been told by a friend
Goke7:
Yea, a friend of mine an experienced banker from naija got the certification and he's been moving from one contract role to another earning good pay. Recently got a full time offer with Bank of America.
Goke7:
Don't have an exact idea, but like you said it's expensive, the one my friend did was Certified Anti-Money Laundering Specialist (CAMS) and from what I saw online it's well over 1000 pounds
hustla:
Yeah, I think this is the one
Another one costs $3,500...but if person come fail am nko
grin
koonbey:
CAMS is the gold standard in that field. ICA does some related courses but those are much less recognised.
Ayowolebami:
Yes if you enter with the right qualification, certification and experience. I know people in my field who entered on dependent visa and landed fantastic jobs in Risk/Compliance/AML in less than 2 months. Really hoping to get Lucky by the time I'm done with my program too. Some skill sets are transferable and the same across board.
And from the old thread
TheGuyFromHR:
... ...
Then look for a couple of certifications to anchor yourself. As you are in banking, think compliance and governance (all that KYC, aml stuff), tax law (don't do a masters o). These City people have so many dodgy clients, so they have to preach compliance loudly while they happily help them dishwash their money.

3 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 8:40pm On Mar 26, 2023
To practice, there's no way around it. Not now, not in the near future.
With 5yrs university teaching experience, Let the fellow gives the Associate Fellowship a shot. See https://www.advance-he.ac.uk/fellowship#categories

Regarding lectureship and doctorate, let's put it this way.
One can become a university lecturer without a PhD. However, it's a tall order (a bi na impossicant Dem dey call am)
Nonetheless, in some discipline, it is relatively possible. I know some that were recruited even from their home country without a doctorate: one was in multimedia.
In law, like most social sciences and humanities, your PhD rules! However, even in law, being a practicing Solicitor/Barrister and handling landmark cases (not necessarily high profile), one might be able to get lectureship. For direct recruitment from outside, I wouldn't know. For in-country, #possible.

Which path is possible. The post and earlier posts referred to, should give ideas.
AgentXxx:
Thanks for this eye opener, God bless you Sir, even though the person in this scenario was a lecturer in Nigeria. To pratice as a solicitor here, she has been advise to do SQE and SQE2 which cost a fortune, we are looking for alternatives that cost less or nothing sef to fall in. Which path is almost straight forward with no special cert exam . Just with Bsc,Msce and teaching experience of almost 5years. How true is it that you can’t become a lecturer here without PhD?

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 8:26pm On Mar 26, 2023
Bourne007:
TB cert just needs to be valid for the application process. She doesn't need to get a new one
I'm in agreement with you. Post the 2011 TB screening review, focus has shifted from the on-entry screening to the pre-entry screening we have now. Hence, the primary purpose of the TB certificate is for the visa application.
Nonetheless, when faced with an thorough or zealous ECO at border control, would it not make sense to avoid long delay or possible referral to the PMI.

PS: the power to refused has not been 'abolished ': [Link]Guidance: Medical issues (MED) | just saying ni o

semmyk:
As long as she doesn't get referred to the PMI port medical inspector.
(Personal view) if her former TB certificate was issue (without sputum test, that is no abnormalities), she should just get a new one. She need not booked I guess.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 3:53pm On Mar 26, 2023
As long as she doesn't get referred to the PMI port medical inspector.
(Personal view) if her former TB certificate was issue (without sputum test, that is no abnormalities), she should just get a new one. She need not booked I guess.
shakurshakur:
Hello house
Please, I need people that has experience at port of entry in Heathrow Airport about Tuberculosis Test expiration. My wife TB certificate has expired on the 23rd of this month and will be traveling on the 1st of April, hope the border control guys will not check it. Thanks as your reply will be appreciated.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 3:48pm On Mar 26, 2023
AgentXxx:
Goodday Everyone, Please can our elders in law please help expatiate on the career path for one who studied law in Nigeria and has an Msc in Uk. What are the paths to minting some charlies. Discussions have only been made on Health, Management and IT. Thank you Sirs/Mas
NB: Abi lawyers sef here Dey suffer dusty shoes, rumpled white shirts and plenty English.
Whereas you desire minting some Charlies and whereas you seek pathways in the YouKay, be it noted that In the UK, you have two main categories, further split into many subs.
The practicing: Solicitor (typically interface with public) and the Barristers (mainly representation). Some then get on to be judicial.
The other are the non practicing mostly in your corporates (M&A, international finance ...) and legal depts. Some are into compliance, eg Registry in university, GRC in corporates and consulting, and mortgage institutions. The pathway is broad.

In the circumstances, your lack of sufficient particularities and cause of action, your post stands down. All rise!! 😂
PS: I'm not a practicing Solicitor (Attorney) nor Barrister (Advocate). I'm only conversant in law and a PG in law. Above is not a binding legal advisory as contemplated in law

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 3:20pm On Mar 26, 2023
Mint some Charlie as in charge and bail 😄😉😄
AgentXxx:
Goodday Everyone, Please can our elders in law please help expatiate on the career path for one who studied law in Nigeria and has an Msc in Uk. What are the paths to minting some charlies. Discussions have only been made on Health, Management and IT. Thank you Sirs/Mas

NB: Abi lawyers sef here Dey suffer dusty shoes, rumpled white shirts and plenty English.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 12:53pm On Mar 26, 2023
davide470:
Talking about Trust brought back memories of how the wonderful Ticha broke down wealth preservation and practical steps they are taking.
Semmyk, please do the honors 🙂
I just sneak in today, enjoying all the gbas gbos and savouring the golden nuggets hidden within.
Na so @Davide470 come put me on duty mode. Abeg, I still dey busy with a research paper that must be completed by fire by force.
Ok, if na the one I think am b, make you check Placeholder 4 in Re: Living In The UK: Property,Mortgage And Related It starts with ... "Pension and wealth planning for the future - very long read." ... (Ma Ticha write am 29 Apr 2022
If not, kindly let me know, I'll try hunt it down.

14 Likes 2 Shares

Travel / Re: Living In The UK: Property,Mortgage And Related by semmyk(m): 8:50am On Mar 25, 2023
AgentXxx:
Very much interested Ma smiley
dduchess90:
Hello all
I can hopefully give ideas on Shared Ownership scheme( part own,part rent) if anyone is interested in that.
Cheers
Thanks for bringing this up again. It went off the radar. Below are some research. Not firsthand!
I'll say: get a foot into property ladder/chain, probably. Way to go, probably not Dduchess90, over to you

Unbiased: Shared ownership: downsides?
· 1. You are still a tenant · 2. Stamp duty · 3. Service charge · 4. The lease · 5. Sub-letting

YouKay GOV.UK: Shared ownership homes: buying, improving and selling
You can buy a home through the shared ownership scheme if you cannot afford all of the deposit and mortgage payments for a home that meets your needs

Share to Buy: What is Shared Ownership?
Shared Ownership allows you to buy a percentage of a property, paying a mortgage on the share you own and rent to a housing association on the remainder

Homeowners Alliance Shared Ownership: What is it? Is it worth it?
Shared ownership is a great way to get a stake in a property when you can’t afford or can’t borrow enough to buy outright on the open market. There are, however, common complaints from people in shared ownership schemes. This guide points to the pitfalls you’ll want to avoid...
What are the downsides to shared ownership? · 1. Maintenance charges · 2. No renting allowed · 3. Buying up increased shares in your property can be expensive · 4. Restrictions • 5. risk of negative equity • 6. Selling

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Travel / Re: Living In The UK: Property,Mortgage And Related by semmyk(m): 8:24am On Mar 25, 2023
Crosspost
slimanyd:
Good morning boss. Can a new immigrants attempt to buy a house without any authority rasing high brow and when do you suggest such worker to do it after entering and what does such worker needs.
Focus, strategy, tenacity, resilience
semmyk:
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[Mortgage waiting period]
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semmyk:
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[ Repost of earlier attempt at collating selected posts on property investment]

Be ready for research, research, research. Don't follow the pack. Research and follow through on your intent. It's a marathon, not a sprint. Be ready to put in the hardwork, gain insightful experience, sacrifice and live a non-BUGA life (that doesn't mean you don't treat yourself!).
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Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 12:12am On Mar 25, 2023
Focus99:
This is so heartbreaking. COS or CAS are your options now.
Could you please tell us the name of your school?
The OP did. Knowing the uni, I penned a reply based on the academic regulations for the school.
Hopefully, OP is in a better state now.
semmyk:
... ...
Below are from your university.
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Travel / Re: USA Employment-based Immigration (EB-1,EB-2,EB-3 Visa) by semmyk(m): 7:07am On Mar 24, 2023
ogawisdom:
I am interested in this EB2 NIW visa route
Is this a DIY kit to help pursue it by myself without immigration lawyer
Possible with self-petition on DIY route or through well tested immigration lawyers.
Whether through lawyers or DIY, critical is to understand the bolts and nuts.
NotsonewMary:
... ... I believe one field of USA legal immigration that is not very known to professionals and advanced degree holders in the Nigerian community is the EB-1 and EB-2 NIW route by which a person can self-petition for permanent residency (Greencard).
... ...
More information specific to EB-1 and EB-2 NIW self petition without a US employer are found in the additional links below.
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https://www.uscis.gov/working-in-the-united-states/permanent-workers/employment-based-immigration-second-preference-eb-2
NotsonewMary:
If you have the extra financial resources for a lawyer, then by all means go for it. The average charge I’ve heard of in recent times has ranged between $3k-4k for the lawyers fees alone!

Alternatively, this process is also something you can put together all by yourself if you do your research very well and you’re ready to put in the work.
Below is a link that could help you to get started;
https://myeb2niw.com/

There is a DIY package on that website that goes for only $150, and trust me when I say that package has ALL that you need to get started and MORE.
N.B. I have no business links or ties with the owner of the website. You can also download the free ebook from the website.

YouTube and the internet generally has many great videos and resources for sample petition letters, recommendation letters and how to properly fill the required form(s) for EB2NIW.

Good luck to you and your spouse!

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Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 6:47am On Mar 24, 2023
oluwaleokey:
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Please i want to open a regular bank account... don't know which to go for... read a little about nationwide and Halifax being good for mortgages, is this correct abi na which bank go make sense pass for every every?
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kode12:
Open an account with Barclays if you're concerned about mortgages in the short-mid term. The offerings from most banks are fairly similar and you can open more than one bank anyways, but try to keep your very first account in the country open even with any other account you choose to open alongside.

Still on the mortgage issue, if you're considering that soon, now is the time to open a LISA and start making contributions. More about LISA's here https://lifetimeisa.campaign.gov.uk/ and no, it's not public funds. Moneybox app would be easier to use here.
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Read more on properties and mortgage in the UK on this thread - https://www.nairaland.com/7534564/living-uk-propertymortgage-related
Slide tackle in to LISA before you're 40 and score as much as you can before 50. That is if you're not 40 already.

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Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 8:49am On Mar 23, 2023
Try posting on Parenting in the UK thread https://www.nairaland.com/7021004/parenting-uk-nigerian-migrant/22
Damdad:
Good evening all, I’m currently on tier 4 visa . My son started school in February but I want to take him back to Nigeria to stay with my mum . Is it okay to mail his school about this ? Or I have to go in person .
Travel / Re: Living In The UK: Property,Mortgage And Related by semmyk(m): 11:56pm On Mar 19, 2023
Thanks for highlighting this - First Home Scheme. Adding to first post.
I checked it up on YouKay Gov - https://www.gov.uk/first-homes-scheme
@Ticha, any insight on this.
Interestingly, Ireland has a similar scheme! https://www.firsthomescheme.ie/
Santa2:
I have been looking into the First home scheme. Its supposedly a scheme started in June 2021 strictly for first time buyers where the buyer gets 30% - 50% discount on the cost of the property. But it not as much known as because of the HTB scheme was more appealing. There exists a caveat though, you can only sell to a first time buyer and would have to apply same discount as you were given. Looking at the possibility of getting an broker to get more clarity and possible options.

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 10:10pm On Mar 19, 2023
Hum, the fear of NRPF and ILR.
Pogracious:
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I just want your second opinion on this youkay government skills for life training if it's public fund or accessible to immigrants not yet on indefinite.your kind opinion is welcomed ooo.

God bless us ook make awoof no go run Belle
TIA
You may want to provide further detail on the program.
For NRPF related, there is a collation. Kindly follow the quoted below. NB: pretty long
semmyk:
This is a collation on NRPF: focussed on IT bootcamps.
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Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 5:45pm On Mar 19, 2023
Anyone can apply for Global Talent Visa (whether Digital Technology or Researcher) as long as they meet the requirement.
It comes with no restrictions to work or even English requirement!
NB: Global Talent is not restricted to want people referred to as Global Tech talent visa, inadvertently so.
gergemam:
Elders, People of GOD
Can a dependant apply for Global Talent Visa? 😌
PS: The dependent is a Software Engineer and already have a Job with sufficient salary. 🇬🇧
earlier posts.
semmyk:
Scanning through, you should, on face value, be a prime candidate for Global Talent Visa (Digital Technology)
- www.gov.uk/global-talent-digital-technology
Your solutions and/or products development in the last five years will be of importance though.
Alternatively, as last resort, explore the start-up visa route.
NB: this is totally different from scale up visa
NB: it is non renewable and doesn't count towards ILR
The Global Talent however counts towards ILR (3 or 5 yrs!!!) and you can even be an entrepreneur!!! (AKA self-employed)
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semmyk:
Global Talent, in a way, is a spin off Tier 1, the part that was covered by the defunct HSMP (which I had b4 collapse). Global Talent now covers more ground. In a way, it bridges the gap between the (difficult to scale) Tier 1 and the old HSMP.
... researcher/academic route: www.gov.uk/global-talent-researcher-academic
... ...
The researcher route would appeal to those that are research 'active'. Although a PhD is expected, it is not an absolute bar. IMHO, even if with a Master, one might scale through: your publications and research outputs count. The researcher route has about four sub-routes. The two I consider straightforward are
- Receiving a research fund (NB: this is from a UK listed research agency and not just the ones you get for doctorate research)
- get a (qualifying) research job

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