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Travel / Re: USA Employment-based Immigration (EB-1,EB-2,EB-3 Visa) by semmyk(m): 3:00pm On Jan 21, 2023
She said '..' without the specific visa code translates to she's said nada.
I might be inclined to say apply the duckling rule: ... If it ducks or quack like a duck, it's most certainly a duck.

In-between, every visa sponsorship type has its own specific code.
For immigration, Employment-Based Immigrant Visas, https://travel.state.gov/content/travel/en/us-visas/immigrate/employment-based-immigrant-visas.html
For employment, Temporary Worker Visas, https://travel.state.gov/content/travel/en/us-visas/employment/temporary-worker-visas.html
All the best.
PS: this thread is for Employment-Based Immigrant Visas
adigun27:
She said is coming with two years sponsorship

1 Like

Travel / Re: Living In The UK: Property,Mortgage And Related by semmyk(m): 2:43pm On Jan 21, 2023
[Freehold or Leasehold] Extracts of previous posts #edited #truncated

semmyk:
Towing the line of 'screenshotting' as admonished by @Lexusgs430
Discourse on freehold and leasehold around page 359 - Re: Living In The Uk-life Of An Immigrant (part 2)
semmyk:
... ...
Just pointing to the following:
[1] Source www.gov.uk/leasehold-property
You only own a leasehold property for a fixed period of time. (different from freehold or technically 999yrs lease)
Ownership of the property returns to the landlord when the lease comes to an end.
[2] Source https://hoa.org.uk/advice/guides-for-homeowners/i-am-buying/leasehold-v-freehold-whats-the-difference
There are two fundamentally different forms of legal ownership: freehold and leasehold. Although estate agents tend to gloss over it, it can be the difference between a home that is worth buying and one that isn’t. ...

For completeness, from the closed old thread (of Living In The Uk-life Of An Immigrant)
Page 84 by Lexusgs430:
Lexusgs430:
Page 708 by Ticha:
Ticha:

As oga Lexusgs43 admonishes, make it count!
Lexusgs430:
Welcome to the United Kingdom's mortgage regime...... cheesy smiley wink angry Better grab the mortgage, make your 25 years start to count ....... grin cheesy
NB : Ensure you fully understand the difference between, freehold vs leasehold properties........
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 11:37am On Jan 21, 2023
Yes, these are essential. However, it's better to follow the template of the requirements as specified on the official YouKay site.
Each #option within the (three main streams of) Global Talent comes with its own eligibility and required documentation.
www.gov.uk/global-talent

There are too many 'this and that' out there.
kwakudtraveller:
@businessnow: bro If you are going to go this route, just ensure you have been in the news in the last couple of years or less. And that you have industry people who can give you a letter of recommendation, like the C-suite level guys so either CEO's , Professors or heads of departments in tech or the field you are applying in even if it's research. Also make sure that when they google your name, that they can see a lot of meat, like speaking engagement and blog post, even if na twitter space you dey speak and flyer dey, run am, na something. You can start doing all these things now if you don't have them already and then you can apply some months or one year along the line so your profile go get weight, if you start now and you apply now, them go reject you based on say you do all these things to get the visa.

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 11:32am On Jan 21, 2023
@Solumtoya: At your majesty service - Living In The UK: Mortgage And Related www.nairaland.com/7534564/living-uk-mortgage-related
Solumtoya:
Time for UK Mortgage thread
Santa2:
I would readily pay subscription for the thread
@Lexusgs430: Auntie Suella don open posts ... they are being ported to the thread grin
Lexusgs430:
The mortgage lessons wey dey this thread already nko ......... cheesy

PS: I got a ban while busy populating. Thanks goodness, I got a Get-Out-of-Jail card @wink to ... {Make I shush my mouth b4 everyone gets the card! grin wink grin

2 Likes 2 Shares

Travel / Re: Living In The UK: Property,Mortgage And Related by semmyk(m): 9:07am On Jan 21, 2023
Placeholder 5
_______________
[Mortgage Brokers]
{Vouch Level: 0 - 10] Depends on the number of mentions, references, feedback,s testimonies ...} PS: Vouch level is not an endorsement!
1. Moneybox - @Tshoboy | unverified | Vouch level: 1 | app | [url]moneyboxapp.com/[/url]
2. Mojo - @SemmyK | unverified | Vouch level: 0 | online | https://mojomortgages.com/
3. London & Country L&C - @Ticha| unverified| Vouch level: 2 | online | www.landc.co.uk/
4. Haysto - shaybebaby| unverified | Vouch level: 1 | online , hybrid | https://haysto.com/
5. Strike (previously Housesimple) - SeyeJohn94| unverified | Vouch lovely: 0 | online, email | https://strike.co.uk
6. Cascade mortgage solutions -@Rapitex | unverified | Vouch level: 1 | phone, physical | http://cascadems.co.uk/
7.
8.
9.
10.

3 Likes 2 Shares

Travel / Re: Living In The UK: Property,Mortgage And Related by semmyk(m): 9:06am On Jan 21, 2023
Placeholder 4
____________________
[ Repost of earlier attempt at collating selected posts on property investment]
semmyk:
[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!).

www.gov.uk/individual-savings-accounts/how-isas-work
There are 4 types of Individual Savings Accounts (ISA):
- cash ISA
- stocks and shares ISA
- innovative finance ISA
- Lifetime ISA
www.gov.uk/individual-savings-accounts/how-isas-work
NS&I (National Savings and Investments), a state-owned savings bank in the UK, offers Premium Bonds and a range of other savings and investments, including Direct Saver.
NS&I is a non-ministerial department.

"... property is a long game, we have leveraged ..." ~ Ticha Mar 2022
"... Buy close to transport links ..." ~ Ticha Jul 2021
Gemma11:
My advice is to get yourself in the system and build up a credit profile asap as soon as you arrive in the country. It is ok to do cash in hand but having a job which is subject to tax and NI is important as well. Once you get a job, get a credit card to use and pay off regularly in (don't miss any payments) to build up your credit score so when it comes to applying for a mortgage you will be in good stead. A contract phone is also another way...just make sure you pay on time each month. Good idea to set up standing orders or direct debits so you don't miss anything. In this fast UK lifestyle it is very easy to forget to pay something so it is best to automate key payments.

If you are under 30 and intend to buy then do so asap as you are more likely to get a 35 year mortgage. Don't be put of by the number of yeats because anyhouse bought today is not going to increase in value. The UK is an Island and only around 10% of the land is built on and so there is always going to be high demand for properties.

Look into schemes that the UK Govt has to help first time buyers like LISA where you get £1k free each year for every £4 saved to help you build up a deposit. You and your partner can both open LISA accounts and get up to £1k free each every year which can be combined to make your deposit

Many may not be too comfortable about the advice below but here is what I did..
... ...
Buy properties in high rent locations like near key stations, universities, amenities ect.
....
Oh yeah and once a house increases in equity, remortage if you can take out the money and use it as a deposit on another house..that's if your intent is to build a property portfolio.

Another tip, always overpay your monthly mortgage if you can as it reduces the interest.
hustla:
So, after all the gbas gbos, how did you go about getting properties in seemingly expensive areas? Hurdles of BTL, tenants, etc
Let us learn
grin
Ticha:
Help to buy as a whole closes in Oct 2022. It's altogether possible that it has closed in some areas. The help to buy ISA is closed. The help to buy equity loan scheme is still open till Oct.

https://www.gov.uk/help-to-buy-equity-loan
Ticha:
I am buying as long as the deal stacks up! No one is creating more land. My tenant vetting processes have always been robust and we aim for tenants that any black mark on their credit would be abhorrent to them. The one 'bad' tenant we had paid rent throughout even with her skoin skoin.

Scotland has a rent increase and eviction ban in place till March 2023 at least. England is currently in consultations over a rental cap. Wales has stringent regulations in place. If you are aware of all the regulations and potential pitfalls, it's easier to manage. Property is like running any other business. Enter with a solid strategy and arm yourself with knowledge.
Ticha:
Pension and wealth planning for the future - very long read..
... ...
... ...
This is not financial advice. Just sharing what we have done.
Ticha:
The earlier you start the better. Usually the biggest obstacle is the deposit so once you have that, Bob's (We need a 9ja name) is your uncle.
...
From old thread:
Ticha:
... ...
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
... ...
From old thread:
Ticha:
... ...
Recycling cash out of property is the way to go however it pays to know exactly what you're letting yourself in for. Buy right and hold. Property is a long term game. You buy and sit on it and you make the gains. We haven't had to front up a cash deposit in a long time.

You want to go into property? Ignore all those property gurus on YouTube.
Do not pay for any training courses!
- Join a PIN (Property Investor Network) group in your area - they usually meet monthly and network.
- Join Property Tribes.
There are some useful UK property groups on FB.
- Get clued up on financing property.
- Find a very good broker and lastly, have a source of income no matter how little.

Property goes through lean and good times ...
... ...
Ticha:

It's called property Log. Link below
Google chrome... ...

An earlier attempt at collating
semmyk:
Towing the line of -screenshoting' as admonished by @Lexusgs430
Discourse on freehold and leasehold around page 359
...
For completeness, from the closed old thread
Page 84 by Lexusgs430: www.nairaland.com/4158866/living-uk-life-uk-immigrant/83#73329511

Page 708 by Ticha:
Pearlyfaze:
Our Ticha and other Ancestors, Please how long do one need to be in the YouKay before he/she can start looking for/start Engaging Mortgage Advisors in order to enter property ladder.
...

2 Likes 1 Share

Travel / Re: Living In The UK: Property,Mortgage And Related by semmyk(m): 9:06am On Jan 21, 2023
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
semmyk:
[PROPERTY INVESTMENT]
... ...
There are 4 types of Individual Savings Accounts (ISA):
- cash ISA
- stocks and shares ISA
- innovative finance ISA
- Lifetime ISA

NB: NS&I (National Savings and Investments), a state-owned savings bank in the UK, offers Premium Bonds and a range of other savings and investments, including Direct Saver.
NS&I is a non-ministerial department.
Ticha:
If you're under 39 years old, open a LISA account. Start paring down your expenditures. You can also round up your spends and save the spare change to the nearest pound. Sell anything you have that hasn't been used for 6 months or more - cos the chances of then using it again is quite low. Get a 2nd job if you have the time (do not sacrifice family time as you'll never get that time back) and save every penny from that 2nd job. Consider saving a fixed monthly amount as well.
Remember unless you're rolling in wealth, your first home is just a stepping stone into property ownership. Be realistic as to what you can buy. Good luck!

6 Likes

Travel / Re: Living In The UK: Property,Mortgage And Related by semmyk(m): 9:05am On Jan 21, 2023
Placeholder 2
____________________
[Mortgage waiting period]
Goldie10:
... For those who have gone the route of purchasing their first property after moving to the UK, please I have some questions:
- Did you have to wait for atleast 2 years before purchasing?
- How did you go about finding a mortgage broker that was not asking for 25% deposit (this seems to be the norm for those of us without up to 2years residency in the UK)
- Now that Help to buy is over - what other options are available for first time buyers aside LISA that has a cap of £450k on property value?

Recommendations for brokers who have experience with immigrants witout ILR will be appreciated. We really need a guide o for newbies here please

Zahra29:
If you're a cash buyer then it's very possible. If you need a mortgage then it would depend on several factors such as the type of visa you are on- work, spousal etc and your circumstances e.g. how long you have lived in the UK. If you're married to a British national or settled status, then it might be easier because of their permanent status. However most lenders will require minimum 25% deposit and may have further conditions such as a minimum length of UK residence and time left on the visa
Zahra29:
This is the norm where the applicant, or for joint applications - either or both applicants, do not have at least ILR or settled status. Halifax is one of the few lenders who might make exceptions in certain circumstances such as if the applicant(s) have lived in the UK for over 5 years and/or have earnings over £100k
_____________________

1 Like

Travel / Re: Living In The UK: Property,Mortgage And Related by semmyk(m): 9:04am On Jan 21, 2023
Placeholder 1
____________________
[Common Mortgage Type: Interest Free or Capital Repayment]
Ogbaba123:
... please what are the pros and cons of an interest only mortgage? I have read about these difference but still not sure why any of the options should be picked over the other. Please can someone explain further the advantages and disadvantages of the different kinds of mortgage payments. Cheers!
dupyshoo:
With interest only mortgage, let's say your mortgage is £100k, you will only be paying the interest and the capital will not reduce. So, the amount you will be paying monthly will be very small, say about £100 monthly depending on the interest rate. At the end of the mortgage tenure, you either sell the house to pay the mortgage lender the £100k or take it from your savings.
Whereas, with repayment mortgage, you will be paying more every month as you are not just paying the interest on the loan but you are repaying back the loan, so you might be paying about £500 per month. At the end of the mortgage tenure, you will have finished paying the £100k, so you wont have to pay the bank any more money.
Tbh, I am not sure you will get any lender to give you interest only mortgage anymore. It's only those doing buy-to let that lenders give interest only mortgage to.
Ticha:
Avoid interest only mortgages unless you're earning money from that house. That is the only time there is a pro for interest only because the repayments are lower and therefore makes your cash flow better. Actually, another pro will be if you already have the money and want to invest it, of course if you lose that money then you'll lose your home come crunch time.

For a property you live in, capital repayments all the way. It pays down the over all loan over the duration of the mortgage and the house belongs to you wholly when paid off. Of course, over the lifetime of the mortgage you can also borrow some of that capital back for other purposes which you often can't do with an interest only mortgage because the equity doesn't stack up as much.

If you take a loan of 75k and pay interest on it for 5,10, 15 years. At the end of that time, you still owe 75k which must be paid or you lose your home.
Lexusgs430:
Interest free mortgage, would eventually become a very nasty trap (if that's the only property you own)........ grin
Repayment mortgage is the best, you're paying the interest + capital........

Let me explain Interest only mortgage to you, in the simplest form ......
- You buy a £200,000 property, mortgage term is 25 years........
- The interest on the mortgage is £70K............. In 25 years, you would have only paid back £70K.......
- At the time of maturity, you must pay your lender the balance of £200K ........

If you're now semi retired, and lucky enough to have £200K, under your pillow (goodluck).......
If you don't ...... You don buy wàhálà......... ;Dv
____________________

2 Likes

Travel / Living In The UK: Property,Mortgage And Related by semmyk(m): 9:04am On Jan 21, 2023
Solumtoya:
Time for UK Mortgage thread

🏘️🏚️🏠 There's been numerous calls in the Living in the UK thread (www.nairaland.com/6719932/living-uk-life-immigrant-part-2/) for a #mortgage thread. 🏘️🏚️🏠🏡
This thread aims to achieve that. 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
While at it, read all things mortgage on the UK government site: - Buying or selling your home

[Key Terms] To be populated over time
Property: the house or flat or building
Leasehold: A property owned through a lease (legal agreement) for a period of time (10, 20, 50, 90 years). At the end of the lease, the property reverts back to the freeholder. www.gov.uk/leasehold-property
Freehold: Ought to be the defacto for a buyer. A property you own outright in perpetuity (the building and the land it stands on). In the Land Registry, you are referred to as the 'freeholder', owning the “title absolute”.
Commonhold: A variant of freehold, where multi-occupancy building is subdivided into smaller, distinct freehold units on the same land. Commonhold was created by the Leasehold Reform Act of 2002, which overcomes some of the worst aspects of leaseholds. See Home Owner Association . NB: Referred to as Sectional Title in South Africa, Strata Title system in Australia, and in North America the condominium system.
Bond: Loosely, a term for a mortgage. Used in North America
Mortgage: Essentially, a loan for securing a house. {Oxford} legal agreement by which a bank, building society, etc. lends money at interest in exchange for taking the title of the debtor's property ...
Conveyance: {Oxford} the legal process of transferring property from one owner to another
Lender: typically the bank or financial/mortgage institution that loans the money for the mortgage
Mortgage Broker: They act as the go-between for a lender (financial institution) that offers loans that are secured with real estate (property in this case) and borrower who want to buy a property. They are the middleman who manages the mortgage loan process.
Borrower: the person (individual, group) that is sourcing funds to buy a property
Solicitor: The lawyer that assists with the mortgage process
Conveyancer: the legal person/entity (in the mortgage process) who handles the transferring and registering of the property.
Title Deeds: Documents showing the chain of ownership for land and property | https://hmlandregistry.blog.gov.uk/2018/02/19/title-deeds/ | NB: You may 'never' get to have the original title deed, however, you can get a copy of the title deed through the HM Land Registry department, through their digitisation project.

EPC Rating: Energy Performance Certificates. Ensure you are provided a copy by your seller (or potential landlord in the case of rent). www.gov.uk/buy-sell-your-home/energy-performance-certificates
Council Tax: Also known as property tax (mileage tax) in the States or Rates in South Africa, is the tax amount you pay on the property to Councils (local govt, borough) for services. It is based on property valuation, location, and number of occupants. See www.gov.uk/council-tax/print
Buy2Let: Propert(ies) bought by a landlord with the primary aim of renting out. Caveat emptor Beware of tax and regulations. NB: Rent-a-room has its own rules.
FTB: First time buyer is the place person(s) buying a property for the first time. (S)he has not owned a property before or deed register(ed) in their name, whole or in part (in the UK) anywhere (globally)
Primary Residence: Property that is the main residence (place of abode).
Lodger/Boarder: Occupy a room/space in your property with you. A lodger that shares facilities with you is an '[u]excluded occupier[/]'. However, the lodger that 'do not' share common facilities with you in the house has basic protection and should be 'evicted' like a normal tenant! PS: There's a thin line differentiating between the two. The general rule of thumb: boarders are generally non-rent paying.
Free loader: Essentially a boarder you took in.

S24: Known as tenant tax, refers to section 24 of the Finance Act 2015. NB: There is also section 24 of the Landlord and Tenant Act 1954 as amended (In Ireland, it is the Residential Tenancies Act 2004).
Ownership Structuring:
LISA: Lifetime ISA (individual savings allowance)
LTV: Loan-to-Value. An indication of mortgage amount the lender will advance to the borrower as a % of the property value
Deposit: refers to the amount of money youa borrower need to put down to purchase a house. You can deposit more than the shortfall in the LTV.
AiP / MiP / DiP: Agreement in Principle or Mortgage in Principle or Decision in Principle is an indication of a specified amount the lender might provide to a borrower, based on details the borrower has provided about their income, spending and debts. It is (typically) a soft credit check (Kindly confirm with them before proceeding: thanks @Ticha for the advice). It does not guarantee the actual amount that will be offered upon full application (which comes with detailed questions and hard credit check).
BMV: Below Market Value comes with learning, exposure, experience. It's an art of buying by knowing the 'best' value to put in for a property below the value that the market currently suggests.
HMO: House of Multiple Occupancy, a way of maximizing rent cash flow, is a multi-let property where
- 3 or more tenants live in the property (thereby forming more than 1 household)
- The tenants share common facilities (such as toilet, bathroom or kitchen.
Property Chain: linked property transactions, where a seller of one property is a buyer of another (How to buy, Gov.uk). Oft, offer to purchase or mortgage agreement has suspensive clause for chain unlocked!
SPV: Special Purpose Vehicle - regular limited company, used solely for a particular purpose. In the case of property investment, it's used to purchase, sell and rent out properties (thanks Bourne007)
First Home Scheme: discounts for first-time buyers, for up to 30% to 50% less market value
HTB: Help to Buy (Equity Loan) ended. Archive: www.gov.uk/help-to-buy-equity-loan

CF: Council Flat - require assessment that might include mean test
PL: Private landlord - the normal rental whether direct or through an agent.

____________________
@justwise @Ticha @Fatima04 @Solumtoya @Santa2 ...

17 Likes 1 Share

Travel / Re: USA Employment-based Immigration (EB-1,EB-2,EB-3 Visa) by semmyk(m): 7:50am On Jan 20, 2023
The 'agent' must tell you the specific code for the unskilled worker category.
If per chance it's the EW-3 visa (broadly the EB-3 visa), Third Priority Worker visa, then you might get guidance on this thread. Especially, with changes and processes.
Info on form as at 2016: www.uscis.gov/sites/default/files/document/outreach-engagements/PED_Form_I-140_TSC_Engagement_1-20-16.pdf
Info: https://travel.state.gov/content/travel/en/us-visas/immigrate/employment-based-immigrant-visas.html#third
Info on USCIS: www.uscis.gov/working-in-the-united-states/permanent-workers/employment-based-immigration-third-preference-eb-3
Designated as 203(b)(3)(A)(iii) on I-140: www.uscis.gov/sites/default/files/document/forms/i-140.pdf
NB: the DE categories, as I understand, require employer sponsorship. Not sure what's the role of your agent.
The experienced on this thread would guide you.
adigun27:
Plss someone want to help me get sponsored unskilled work in usa with 5million how real it this
adigun27:
Brother plss I want to know if is possible an should I ask the agent the type of Visa
semmyk:
Kindly specify the type of work visa.
... ...
Travel / Re: USA Employment-based Immigration (EB-1,EB-2,EB-3 Visa) by semmyk(m): 7:05am On Jan 19, 2023
Kindly specify the type of work visa.
Inbtw, if it's not any of the EB, you may be better assisted in one of the US work visa thread. All the best.
For H1B - https://www.nairaland.com/7137181/everything-us-h-1b-visa-category
@Justwise, seems USA might need a work visa thread like the USA students visa or USA visit visa.

PS: Depending on the visa type, accredited/registered agents in the States are typically allowed to assist with processing
adigun27:
Please an agent want to help me for work visa I USA plss can that be done
Travel / Re: GENERAL Irish (student)visa & Work Permit-New THREAD*** by semmyk(m): 6:52am On Jan 19, 2023
By 9ja debit card, you're referring to ₦ denominated account right.
AFAIK, That will depend on your bank or financial provider.
Successapa:
Can I use a Nigerian debit card to pay on study and direct site?

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 6:31am On Jan 19, 2023
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)

You may want to engage the folks at Bincom. They are in the UK and 9ja. - https://blog.bincom.net/emigr8/
Incidentally, they just had an open session yester night.
https://mobile.twitter.com/BincomDevcenter/status/1615755685194498049
[Disclosure] I'm related to one of the founders.
businessnow:
... ... In Nigeria, I own an ICT company that has been in operation for 15 years.
In 2010, my company formed a partnership with a UK-based ICT firm, and we served as their Nigerian representative until early 2022, when the contract was terminated (the UK company moved into oil and gas).
We completed transactions totaling more than 600,000 GBP over the course of our 12-year partnership; all transactions, including international bank transfers, are documented.
This UK company arranged my first UK trip in 2013 for business meetings and training, and I have visited the UK more than 12 times since then for business meetings, training, and vacations.
Prior to moving to the UK with my family last year on a Tier 4 student visa, my wife the ( student), I was on my second two-year visit visa.
My company formed a new partnership with another UK-based ICT firm late last year.
Here's my question: is there any other type of visa I can or am qualified for besides the PSW (through wife Tier 4) and Tier 2 visas?
Please amiable senior nairalander, I need your input on this.
... ...
[UPDATED]
Noticed Bigtt76 has already suggested Global Talent. Though still referred to as Global Tech talent visa, the current official reference is Global Talent Visa. You have the Digital Technology route (as suggested and applicable in your case). There are also the Academic/Researcher route (which I've posted on last year) and there's the Arts and Culture route (seemly not the option for you).
NB: the Entrepreneur visa route is closed to new applicant. However, you may want to explore the Innovator visa route (the successor to Entrepreneur visa)
So, if you've got £50k in the kitty, you're good to go for Innovator visa. You just need to come up with a biz idea and get endorsed.
PS: not sure. Alternatively , you might become a financial partner to your current UK collaborator as a full fledged Director in good standing.

4 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 11:01pm On Jan 18, 2023
Do charity na like some of us have done wink
Or join the force to get Emefiele 'arrested' and handicapped. Me I no dey o.
jum33:
Hello my people ,i am stuck with some naira bill on me ,where can i change my naira to pounds in london ,any recommendation to a particular contact

1 Like 1 Share

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 10:56pm On Jan 18, 2023
Seemly this belongs to the visa thread.
I'll normally not chip in on matter of this nature, what it's worth, I will. Hopefully, Justwise will see in-between the 'post'
By the way, I guess the OP is bent of singing the song during the next #testimony time!!! ... Wọnni ko s'aye loke, owa aye fún mi loke, O gbe ogo fún olẹ mi, iyanu lorukọ rẹ...

@OP, can you apply without COS #, yes you can. Should you, well, you shouldn't!!
To see the border line between #Grant or #Refuse, enter the 'mind' of the caseworker that will process the application. What was that movie again, enter the dragon...
Read up the guide at ... ... www.gov.uk/government/publications/scale-up-worker-caseworker-guidance/scale-up-worker-caseworker-guidance-accessible-version
Extract attached.

... Check, check, check the COS. [b]Verify, verify, verify [/b]the COS, YouKay Home office are like HMRC, they don't SMILE. Auntie Suella still desperately searching for ... She can't wait to hit the headlines, though Sunak doing a great job keeping her away!!!
deybholar:
SOS! SOS! I am in a very big dilemma, I am trying to switch from student visa to scale up visa. I have the COS but whenever I enter the COS number, it says I should enter a valid COS number and won’t let me proceed any further. I then proceeded to click on apply without COS and then fill out the form. Can I use the apply without COS number and then upload the COS as part of supporting documents? Is this a safe way to go about it? I can’t risk a refusal and I have very few days left on my brp

1 Like 2 Shares

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 6:35am On Jan 18, 2023
Lemme try speak like Lexusgs430 ... The rule dey face you for front like face-me-I-face-you na
Ok, in my normal way
[Extract] www.gov.uk/skilled-worker-visa/your-partner-and-children
If your partner or child is applying at a different time to you, they’ll only need to prove they have enough money to support themselves if they have been in the UK for less than 1 year.
- You've been in the UK on the Skilled Worker route, the applicable rule is in your attached.
- You child has been in the UK for ONE year. In your case, born in the UK.
NB: As I understand it, the ONE year is counted from day and month. It is not just year.
[Scenario]
Born in the UK 01 Mar 2022. Applying for dependent skilled worker visa on 19 Jan 2023: one year in the UK NOT satisfied
So, your child should have been born by 18 Jan 2022.

(PS: seems Tier 2 is here to stick for years to come! - Skilled Worker Visa)
NB: This is not a binding advisory as contemplated in law
Chijiuba:
Good morning gurus in the house, please I have a son that was born here in the UK last year and I want to apply for his dependent brp (tier2), please does the 28 rule of statement apply in his case (I have been in the UK for almost 2 years while he is just some months old) also my COS doesn't have maintenance for dependents

1 Like 1 Share

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 10:50pm On Jan 17, 2023
There is salary, there is take-home (net) and there is take-to-home; the totalitarian totality of the package inclusive of it's benefits (financial, tangible, intangible, wellbeing, well-being...)
So speaking in not so straightforward English, there's more to salary than just the 'financial' figure!
May we all earn well and aged well.
fatima04:
... ... There is sooooo manu intricacies to purported higher pay that won't be discovered until you get to the other side.
Interestingly, people are getting better pay in some industries in the UK now but the information and percentage sharing is still low.
Ticha:
I'm having people reaching out from Aus asking about pay and work conditions in NZ and UK and vice versa. Everyone is moving for greener pastures both perceived and real. We (developing countries) don't have the monopoly of seeking a better life elsewhere. The average Brit, American, Aussie, Kiwi on the street think their life is super hard and will be better in x, y, z country. Till they get there and find they have to seriously water that grass too.
... ...
The same money/finance issues is chasing everyone up and down. You're focusing on the salaries being paid there without the attendant cost of living issues.
... ...
Chreze:
Yes Ticha, we know there’s shortages of health workers around the world. SemmyK pointed out yesterday that most counties are battling survival and we agreed to that.
... ...

2 Likes

Travel / Re: Advice To Every UK Japa Crew by semmyk(m): 12:21pm On Jan 16, 2023
A postdoc of 2 yrs and and a high impactful publication or streams of good publications would open doors for tenured faculty. You can then start attracting funding and consulting. Within the rebounds of #ethics, you also work towards your #investing goal (while delving less into political terrain!) wink.

1) I am a sickle cell patient. I hope I am not taking much risk based on my health? How's the health system in US compared to UK?
Though I'm not a US person, I understand that you should be better off in the US.

2) on skills: I officially left music production in 2014 to focus on my academics. So, on skills, how lucrative is music production in both countries?
Ditto, while I am not so much into US, from observation, horning your music production might get more boost in the State more than the UK. Nonetheless, UK offers great platforms.

3) Based on [i]academic skills: I can perform most computer based simulation in chemistry/biology including DFT experiments, molecular docking, molecular dynamics simulation, and other computational chemistry/biology techniques with little or no difficulties[/i]
Postdoc should offer you more opportunity to take your academic/research frontier to high level.

Paulheyman:
Dear op and respondents
Based on the Japa syndrome, these are my dilemmas:
1) I got an offer of a postdoc in US for a 2yrs stay with possible offer of becoming a faculty member (I am not sure if I will be taken as a faculty member). The pay is $65k/annum
2) with the recent offer of a QTS visa by UK for qualified teachers. I am also very much interested based on variations in the number of years US (2yrs): UK (5yrs - so I heard)

Note: I want to get into the US or UK using (but not limited to) the academic root and possibly diversify later on
These are my challenges
1) I am a sickle cell patient. I hope I am not taking much risk based on my health? How's the health system in US compared to UK?
2) on skills: I officially left music production in 2014 to focus on my academics. So, on skills, how lucrative is music production in both countries?
3) Based on academic skills: I can perform most computer based simulation in chemistry/biology including DFT experiments, molecular docking, molecular dynamics simulation, and other computational chemistry/biology techniques with little or no difficulties
4) I would love to switch probably from class room teacher to a full time lecturer (if UK is found worthy). How possible and easy can it be?
5i) How lucrative is teaching job in the UK?
5ii) Do the country (UK) permit home lessons?
5iii) Can I combine class room teaching with other side hustle

*** My intention is to stay there for ten years and come back and invest but if I find their land fruitful, I will stay a little longer than expected
I need guidance please!
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 10:57pm On Jan 14, 2023
With first-hand on-the-ground experience of Southie (SA or South Africa),
- it's not so much of language. One can express him/herself in most areas in English with ease. Perhaps, in certain settlements typically refer to t as 'location' or Kasi, where one becomes a target! Same in the bundus (deep rural areas). Wells same for Orania (deep 'rural' Afrikaner settlement)
- Security is a concern. However, it varies from area to area. Nonetheless, general precaution is of the essence.
- there are other deep rooted issues. SA, beneath the obvious surface, is battling #survival.
- by the way, electricity is on loadshedding (rolling darkness) with no end in sight (at least for the next one year).
Yet, SA has entrenched (working) structures (infrastructure, processes) working for her. These are under threat though!
Chreze:
The UK government like to play dumb/busy on things that patterns to updating system or improving process, but smart when it comes to getting money off immigrants. When you think of how smart they claim and how they tend to act unaware to some things you can only tell it’s a selfish act.
... ...
To be honest, if not for language and security I would have preferred India or South Africa to living in this UK (that’s comparing with Nigeria’s current state).
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 10:30am On Jan 13, 2023
This one that keyword is #sexy, is this for early mọmọ blending wink
hustla:
Good Morning Ladies and Gentlemen, especially the ladies grin
Can someone please recommend a sexy, durable blender for me for basic blending of pepper
grin
Any way, here's compilation from 2022 for not so sexy ones, but #durable
semmyk:
While elder Lexusgs430 is on sabbatical, let us chip in. I'll be brand neutral, hence not specific.
Look for blender that is 3HP (about 2.2KW) engine rating. Any 2000W should do as well. Exception is if there're other defects like the one pointed out here #leak
NB: 1000W would work great for a while but would soon buckle under load or repeated use.
mimilyrics:
I've been using this Ninja brand for yam, okra, beans and the likes - https://www.amazon.co.uk/Ninja-Processor-Auto-iQ-BN650UK-Silver/dp/B088TW4B5R
LagosismyHome:
https://www.johnlewis.com/ninja-hb150uk-blender-and-soup-maker/p4833209
I bought this and it was quite good in blending beans smoothly , however it didn't last up to a year. It started leaking and would trip off the light .. only for me to read through the reviews and there were several comment on it leaking
So maybe if you buy it won't leak, as not all does ....lol

rayralph:
https://www.argos.co.uk/product/7912995
MJ01:
Please can anyone suggest link to good deal on a blender/processor that can blend pepper, blend beans and pound yam. Great value, with moderate budget. Thank you in advance

8 Likes 1 Share

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 9:50am On Jan 13, 2023
Yes, it is. However, school time for the purpose of work restriction has a more stringent definition: term-time
wonlasewonimi:
I thought the restriction is to deter working more than 20hrs during school time? No?
Unfortunately, lots of uni website are outdated. Some are written for Tier 4!
By the way, Home Office ain't assisting with fluid changes.
koonbey:
This is correct. The rule applies only until final submission of the thesis.
I have seen guidance on some university pages that says PGT students are in term time beyond submission but the above is what my university told me and what I applied.
wonlasewonimi:
Please can a student who has completed his classes and now writing his thesis work full time? asking for a friend
The employer guide to checking right of an employee (student) to work outlined succinctly. See attached.
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1071247/Employer_s_Guide_to_Right_to_Work_Checks__PDF_.pdf
Uni of Bath has one of the easy to read/follow guide - www.bath.ac.uk/guides/working-with-your-student-or-tier-4-visa/

4 Likes 1 Share

Travel / Re: USA Employment-based Immigration (EB-1,EB-2,EB-3 Visa) by semmyk(m): 8:11pm On Jan 12, 2023
Can't agree more. Absolutely, a way longer route to PR. PS: Some come in via 0-1 and stayed back via EB-1,2,3.
studyless123:
The O-1 visa is a temporary visa and you require a sponsor.
It's just a longer route to PR.
... require a sponsor ... | that's where nuances of 0-1A come in. Very trick. Hence, if EB-1A, EB2NIW is sure, why not. Much better option. By the way, that is the objective of this thread.
@All: Kindly note this thread remains focussed on EB-1, ,2, 3 petition towards PR

[one nuance of 0-1] FAQ from USCIS
Q: When an agent performing the function of an employer files a petition, are contracts required with the employers where the beneficiary will be employed?
A. No, in the case of an O petition filed by an agent performing the function of an employer, a contract is not required between the beneficiary and the entities that will ultimately use the beneficiary’s services.

Q. Can partially or fully self-incorporated persons petition for themselves in the O classification?
A. The regulations require that an O petition be filed by a U.S. employer, a U.S. agent, or a foreign employer through a U.S. agent.

Q. Can a foreign employer be a corporation owned by the beneficiary?
A. Yes, but the petition must be filed by a U.S. agent. A foreign employer may be a corporation owned wholly or in part by the beneficiary, but the foreign employer must utilize a U.S. agent to file the petition. A U.S. agent petitioning on behalf of a foreign employer must be authorized to file the petition, and to accept services of process in the United States in proceedings under section 274A of the Act, on behalf of the foreign employer. ... ...
Travel / Re: USA Employment-based Immigration (EB-1,EB-2,EB-3 Visa) by semmyk(m): 4:16pm On Jan 12, 2023
Noticed today that there's the O-1A route. Has lots in-similitude to EB-1A and EB2-NIW.
Probably, it should be on a different thread so as not to derail this well-managed EB thread. Kudos to all.

General Eligibility
To qualify for an O-1 visa, you must demonstrate extraordinary ability by sustained national or international acclaim, or a record of extraordinary achievement in the motion picture and television industry, and must be coming temporarily to the United States to continue work in the area of extraordinary ability.
Extraordinary ability in the fields of science, education, business or athletics means a level of expertise indicating that you are one of the small percentage who have arisen to the very top of the field. For detailed information regarding how USCIS evaluates evidence to determine O-1A eligibility, including examples and considerations that are especially relevant for those in science, technology, engineering, and mathematics (STEM) fields, see the USCIS Policy Manual Volume 2, Part M, Chapter 4, Section C, and Appendix: Satisfying the O-1A Evidentiary Requirements.

www.uscis.gov/working-in-the-united-states/temporary-workers/o-1-visa-individuals-with-extraordinary-ability-or-achievement

Part M: www.uscis.gov/policy-manual/volume-2-part-m-chapter-4#3
Travel / Re: USA Employment-based Immigration (EB-1,EB-2,EB-3 Visa) by semmyk(m): 4:12pm On Jan 12, 2023
High impact is subjective. Nonetheless, proving high-impact isn't too difficult; it's not as tricky as it sounds.
chibertha:
He has over 10 high impact publications in engineering they are on his profile in research gate.
That should cover for no. 1 or what do you think?
Generally speaking, your hubby profile looks good-to-go. Kindly pay attention to TWoods' and Studymore123 food-for-thought. Eakhilomen has a good point there.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 12:15pm On Jan 11, 2023
You might get insights in the Uk Student Visa/tier 4 Pbs - Your Questions Answered Part 8 - www.nairaland.com/7267459/uk-student-visa-tier-4
Probably also in the UK Skilled Worker Visa / Health And Care Worker Visa thread under Travel section.
In-btw, kindly go few pages back on this thread: the switch of the switch is secured as you've outlined
HenryG:
Hello Seniors,
Kindly help to understand how this works in the UK:
My wife and me will be going to Machester come September via Tier 4 visa. I am the main applicant and my wife will be the dependant.
If my wife(as a dependant) secures a job that can offer her tier 2 visa while i am still a student, does it automatically secures me now as her dependant to remain in the UK under her tier 2 visa? Please how does this aspect work according to the UK rules? Please help out.
Thanks

1 Like

Education / Re: Thread For PHD Students by semmyk(m): 11:05pm On Jan 10, 2023
Quick one on the underlined. Could you elaborate on ... paper review by an author...
- what type of review
- expectation of review
- nature of review
- ... ...

As regarding group research work for 'publication', it might be expedient to give indicative research concepts. Typically what is referred to as a one paper. It might even be a quarter or half page outlining the research brief, concept, problem area, aim/purpose
bilal4riid:
... ...
Please permit me to make two suggestions:
Monthly paper review by an author through zoom.

Group research work for publication.
And any other academic collaborations.
Thanks
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 10:44pm On Jan 10, 2023
@OP, you indicated... I made a mistake ... I informed them I saw an hammer with someone I can't really describe except that the person is bald.
Is this mistake
- you being uneconomical with the truth about your statement
- you developing cold feet on your continue communal living or relationship in the community
- you're just scare of Court processes. As Phyl123 as indicated, you also need to look at the common good (#beneficence)

[Witness invite]
Quick one. What you received, is it indicating request to appear in police station or does it say citation letter to appear in Court or it is framed as Subponea (which I doubt at this stage)

[Contempt / subponea]
At this stage, you might not be found in contempt of court yet: you however stand the risk of being slammed "obstruction of justice"!!!.
Rather, ordinarily you get subpoenaed. When subpoenaed, failure to attend comes with legal consequences.
phyl123:
... ... If he doesn’t go he will be found guilty of contempt of court ( legal gurus please feel free to correct me).
... ...
He could be subpoenaed or forced to give evidence. It like a court order.

You're within your right to express your concern about your safety, threats/risk to your life and family. As it stands, kindly request your "witness care officer", the police in charge of the case that you require protection
- you are apprehensive
- require Witness protection, in similitude to Chapter 4 of Part 2 of the Serious Organised Crime and Police Act 2005
- on the basis that you fear for your life, your stay in the neighbourhood, and what might become of you in the UK (as you might be targeted)
- these hinge on your general safety is reasonably believed to be at risk in view of your evidence vis-a-vis the nature of the franca, and the possible criminal conduct of the alleged perpetrator and allies.
- further, that you require witness anonymity order

To assist you, read more on witnessing
- www.gov.uk/going-to-court-victim-witness
- www.cps.gov.uk/legal-guidance/witness-protection-and-anonymity
- www.copfs.gov.uk/the-justice-process/attending-court/guide-for-victims-and-witnesses/

justwise:
You don't have to be a witness if you don't feel safe unless the police are ready to provide protection for you else you will be putting your life in danger.
Call the police and tell them that you don't feel safe going to court to give evidence as a witness as that makes you a target.
ukay2:
....
I think going to the police station is fine to let them know your not comfortable and let's see what they will do.
Schoolhike:
... I made a mistake and I need help in regards with the issue.
There was a fight in one of the 5 flats opposite mine. It resulted into police action which they came knocking at our door. I was about leaving home for work in the morning and I was asked what I can say in regards to the seen. I informed them I saw an hammer with someone I can't really describe except that the person is bald.
Now the issue is that I got a letter to come forward to the court as a withness to the crime committed by my neighbor. My mind has not been at rest since I got the letter cos of the likely public display of me as a withness.

I am thinking of going to the police station that I'm not comfortable doing this as i felt that I might not be safe living in that area anymore.
Kindly advise on this move.
...
Things to note.
As a witness, the goal of the defendant, (during cross-examination), is to make you come across as an unreliable witness whose version lacks credence. On the converse, the prosecutor, while leading you evidence-in-chief, is to portray you as a credible witness whose version is more probable.
Irrespective, what you need to do is to keep things simple. Say only what you know, as in what you saw and observed. Don't, repeat do not try to form opinion or smart by one and half. If you are unsure, simply say so along the line,
- I do not know
- I did not see that
- I did not observe that
- that is not what I saw or heard or observed
- unfortunately, I can't speak for the defendant, I can only speak for my myself based on what I saw, heard, observed. I have no opinion.
- ... ... List goes on and on.

In-btw, don't be scare to say
- I stand by my earlier statement
- what I narrated earlier is what it is. I have no opinion.

Kindly note I am not an admitted solicitor/attorney nor barrister/advocate. I've only been privileged to hand some labour matters. Well, as a witness, you don't want to come across me during cross-examination. #ruthless. God help you if you don't end up cursing under your breath smiley cheesy grin

6 Likes

Politics / Re: Six Critical Things Peter Obi Said At The People’s Townhall - Channelstv by semmyk(m): 10:00pm On Jan 09, 2023
On No 4, I'm afraid he actually goofed. Egypt has move beyond the 50GW, already around 75GW last year. Egypt now busy ramping up its transmission to match the new 75GW generation. They are already on track with about #21 500KV installed.
South Africa on the other hand is regressing very fast and towing the line of what NEPA used to be be. #RollingDarkness. They call it loadshedding. SA is yet to finalize its transmission unbundling. Maybe, they might this year; it's uncertain.
PS: I can't speak on others. They are not my expertise.
irepnaija4eva:
What he said, is it facts or nah!!?
Politics / Re: Obi Promises 20,000MW Power Supply by semmyk(m): 9:50pm On Jan 09, 2023
I can't agree more. Siemens Energy PPI back on track 25000MW (25GW) transmission capacity by 2025. Already edge around the 10GW transmitting capacity. Waiting 4 yrs to 2027 to be 20000MW generation would be regressing. We rather move forward than backward.
Obi, get you facts right.
Inbtw, Obi's quote of Egypt is misleading. As at 2014, Egypt already hover around 40GW and 2022 moved circa 75GW(Gas and Solar). What Egypt is busy with now is ramping up on the transmission from around 50GW to match up with her new 75GW generation capacity.
Emir01:
Thank you Obi but you always talk as if you're disconnected from happenings in the country. That's what Siemen is already doing. It will be delivered in 2025

[1] Siemens Energy PPI: www.siemens-energy.com/africa/en/company/about-us-africa/presidential-power-initiative.html
[2] Africa Report: www.theafricareport.com/207351/nigerias-first-presidential-power-initiative-to-boost-capacity-to-25000mw-by-2025/
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 8:29pm On Jan 09, 2023
For carer, let them engage on the UK Skilled Worker Visa / Health And Care Worker thread - www.nairaland.com/6748312/uk-skilled-worker-visa-health
Others here might provide on-the-ground #insights wink
eniola1010:
Omo guys abeg. How person fit from nigeria find care job or farm job or manual labor job wey go sponsor person from naija tier2. I get like two friends wey i wan help and dem no get money for education route.
Them ready do care job or manual labor job.
But as it is all the jobs for indeed and job sites, none ready to sponsor anyone that's not in uk.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by semmyk(m): 2:35pm On Jan 08, 2023
How do you want the ~help the poor~ NGOs to make money. Oops #donations wink
Chikadibia21:
... I kept answering until I literally got exasperated...Like how wouldn’t you even know? I have also been in a class where some students didn't know that Africa is a continent of several countries...I can go on and on ooo...Lol
... ... They know more other continents than ours. The media also does not help in it's negative portrayal of Africa.
... ...

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