@justwise, If this Tithe and Church argument was done by some other people, you would have deleted it all and said it was derailing the thread and off-topic.

Please, you guys can create another thread for this and share your thoughts there. It doesn't concern our conversation here.

rinzylee:




😂

I no dey bother myself again 😂

Nah, not worth it.

rinzylee:
Once you mention Church justwise ama pụta ka ofeke.


Smh 😂

Imachakwa! Normal na, Justwise and Lexus no dey use ear hear Church. They come with full force whenever Church is mentioned.

AgentXxx:
What is the repercussion of this as I have someone doing 17hrs warehouse while holding a tier 2 nhs data analyst job.

Hmmm... Rough play.

elisinho:


thanks i contacted Land C and they said they will get in touch and i said i was refered and that they do give 20£ amazon voucher for referal if i tell them your name

Nice of them! No worries though, I haven't gotten a Mortgage through them, but just loved their services when I used them for M-I-P

Marvhyx:
Sorry to derail, I couldn’t quote you on the main thread but can I ask some questions? How many kg allowance is the cabin luggage and laptop bag (typical school bag )

Cabin luggage depends on the Airline but it should be anywhere between 8kg and 23kg. Most Airlines care less about the weight and more about the dimensions. They have specific size requirements so it can fit in the overhead rack. Please check your flight ticket, it would have all the information you need.

ukay2:


Halifax reduced their rate for me yesterday (15% deposit)...2 years fixed from 6.57 to 6.06% yesterday.
l am waiting for the completion date possibly next month...hopefully the rates will come down again before completion

Sweet!

Barclays Bank Rates now

elisinho:


Thanks for your reply
I actually put an offer it was rejected and i forgot about it but after some time the woman got back and accepted my offer now that she has accepted my offer im at the conveyencing stage.

Talking about conveyencing i got a qoute of 1990£ is that what is usually around please
also the survey i got a qoute around 540£ is that also a decent price please
Also do you guys advise i use the listing agencies for everything or i use my local bank, the listing agency is called STRIKE while i bank with lloyds and i have an AIP with both
thanks always for your replies all of you i massively appreciate

The solicitor's quote varies a lot depending on the Solicitor and type of property. It's usually around £1,500 to £2,000. The quotation I had gotten for a £250k house in June was £1,593 from L&C so yours is high but not too far off.

As for STRIKE vs Lloyds, I would say NEITHER. Get a good Mortgage Broker like L&C or any of the ones listed on this thread, better still, get recommendations from family or friends. A Mortgage Broker or Advisor would shop around the market and get you the best deal. Lloyds or any other Bank can give you AIP easily but deny your Mortgage application especially if you are on a Visa. I have so many Mortgage-in-principles from a number of Lenders but only Barclays Bank seems to actually give Mortgages to Visa holders without requiring 25% deposit or £100k income. A good Mortgage Broker knows these things and will review your application thoroughly for success. Lastly, the Mortgage Brokers are typically free of charge since they earn commission from the Lender.

I am no expert but these are my opinions.

AgentXxx:
I totally agree with all of this and that is why you will see Romanians topping everywhere in ware house jobs, I moved more with the Romanian than the Nigerians, Indian and Pakistan who are always complaining .
There is even room for promotion , A Ghanaian friend I made while there is now a manager in less than 5years and this was majorly due to his consistency and also getting a good rating which has to do with speed.

Romanians! They have totally hacked it. They work so hard and fast, and flourish at Amazon. I enjoyed being with them cos they don't complain, just earn their money in peace.

AgentXxx:
You no need any special CV oo, just apply and September to December is usually called peak period and you get 500£ bonus if your attendance is topnotch during this period. Main thing I hate is is the break, it's for 30mins for a 10hrs shift

Mine was 2 breaks of 30 minutes each. And yeah, they pay as much as £2,000 Welcome Bonus around November.

Funny how people are screaming of tales of waist breaking, "you no go survive"... LIES! One thing I noticed at Amazon is that Nigerians and Indians complain a lot! And they don't last long. It was good money and the job didn't need any heavy-lifting. It just needed speed and many people complain about that as they wanted to rest or sleep during working hours. 99% of Nigerians left to Care Work because they said they could sleep during the shift or rest.

justwise:


How? How are you earning less?

Quick Maths: With the Warehouse, I was earning over £3k monthly, sometimes even over £4k. With the £50k job, I never saw up to £3k salary in any month.

justwise:


Sure he can but why change job to earn less with the 'hope' of earning more in future?

This is actually viable. I remember coming into the UK and was earning about £800 weekly as a Warehouse Operative. I got a £50k offer and jumped at it immediately. I was earning less than the Warehouse job but had the "hope" of earning more in future. The "hope" came to fruition in a few months.

I advise he does what @Gemma11 said: continue the care as part time to beef up the salary. That was what I did, I was doing my Warehouse job during the weekends.

Blazingdiamondz:
Hi guys, I have been working as a carer since I came to UK and I earn £25k annually. However, I got a job as a food safety admin/quality officer in a company but the pay is just £20k annually. What do you guys think? Should I take the offer? What's the prospect in the field here in the UK? I need your advice. Thanks.

This is a personal decision, there is no right or wrong answers. It just depends on what you want. If you need sponsorship or money urgently, for instance, stick to the care role.

Agidipie:
Hello everyone, can anyone help us with accommodation (a room) in Wolverhampton. Person in need is a female student coming to university of Wolverhampton. We urgently need accommodation

Please consider Airbnb first. You can get for similar price as rent+utilities and it's easy to get

olasmade:
Hello, please can anyone advice me on countries I can visit with my brp without applying for a visa . Thank you

Check the link below, look at the Nationalities allowed, the rules and seek professional advice. Nigerians are eligible for about 8 or so.

https://www.visatraveler.com/blog/travel-countries-visa-free-with-uk-visa/

Jbloc:
England, Wales, Scotland and Northern Ireland

Not true. There are quite a few Countries apart from UK.

ubby26:
I think the reason why the automatic swap does not apply to Nigerian drivers license is because of the right hand driving thing. In Nigeria, it's a left hand drive so we drive on the right, and it's the opposite for UK. Most swaps I have seen are countries with right hand driving as well.

It will take some getting used too to drive on UK roads when you just arrive, and if we are being honest, most of us did not learn the right way to drive. The reorientation is necessary.

I'm very patriotic but let's be honest, our License back home is rubbish. No learning, no testing, no vetting, nothing. Basically, anyone can get a license whether they can drive safely or not and we all know this, let's not act like we don't. I am very disappointed that the FRSC doesn't want to get the issuance process right, all they care about is the little money to "speed it up".

I would be shocked (and worried) if the DVLA does automatic swap for our license.

profemebee:
so as long as i pay back within the stipulated time with the bolded below, then i'm interest free right? thanks

Pretty much, yeah. Just set up the Direct Debit to pay in full monthly. Exception is Cash Withdrawals so just avoid them entirely.

lavida001:


What you mean you don’t have to pay interest

In summary, you don't pay interest on purchases that are repaid within the interest-free period of about 45 to 60 days. The easiest way to avoid the interest is to set a direct debit on your Credit Card app that makes repayment in full every month from your Bank Account.

lavida001:


What you mean you don’t have to pay interest

I'd just repost one of my long epistles on Credit Cards below:

Credit Cards (CCs) are one of the best Credit Tools you can have but yes, like every good thing, it does have its dangers.

Most folks here are trying to build Credit Score and to be very honest, CCs are the easiest way to do so. There are so many other ways, of course, and you should do them: Registering in the Electoral Register, Setting up Direct Debits for Utility Bills, Phone/SIM Contracts, etc but from experience since these are not Credit facilities, they may not boost your score as much as a CC.

The rules of CC usage are simple: ensure you pay at least the minimum balance (usually 10% of your usage as at the statement date). So if your cycle is 1st to 30th of every month, on the 30th, you get a statement saying you have used £2,000 and you are given a grace period (typically extra 14 to 23 days) to pay back 10% or more, and whatever balance is unpaid, interest will be charged to the card after the grace period. During this grace period, the next cycle has obviously started running. And the next month balance will sum of what you spent in the month, plus the unpaid balance from the previous month and the interest added. IF YOU DON'T PAY THIS MINIMUM, YOU HAVE DEFAULTED.

Now, the main reasons why CCs are a brilliant facility are evident:
1. Their Interest-free periods means you can use them without ever paying interests: to do this, you must pay everything in full as the interest only starts counting on the unpaid balance after the grace period. An exception is usually Cash Withdrawals, Interest on Cash Withdrawals start counting immediately. Another evil trick of Cash Withdrawal is usually that their interest is higher. There's another evil of Cash Withdrawals but it might be a little technical to explain in this post. Just avoid Cash Withdrawals if you don't want interest
2. CCs are revolving, meaning they are like Overdrafts, not Term Loans, so if I have a limit of £6k, when I spend it and repay, my full limit is re-instated, so I don’t need to re-apply (ever) unless I void the contract.
3. Rewards: Most CCs earn you Miles, Points, etc for usage and referrals.
4. Fees: Many CCs come with little or no extra fees to the Cardholder. I could go on and on.

So, pretty much, you can use your Debit Card for only Cash Withdrawal and use Cash for non-Card payments, while you use your CC for everything else and pay little or no interest while building your credit score.

Now, as beautiful as it sounds, in my 7 years as a Credit Card Product Manager, I have seen so many people wallow in heavy credit card debts. The truth is most humans are not just disciplined enough to handle such an allowance of funds. They deep their hands into it at the slightest opportunity and end up living above their means. CCs are very addictive so don't get a CC if you love to spend, the CC provider would love you and keep increasing your limit and you may land in a gloomy state: you earn just £2k monthly and are given a £6k CC, as you spend and spend, they keep increasing the limit and before you know it, you have a £20k CC fully spent on that Funeral you sponsored inyou sponsored in Oshogbo and that trip to Turkey. How will you pay You break the card and start paying back £600 monthly, but that covers only the interest and the amount is NOT reducing every month. You realize you are stuck and have fallen for our trap and that is how we make our interest income and cover for those who are using the card wisely.

I'm sorry this post was really long, I even had to cut this short because I could go on and on about the benefits of CC (purchase protection, chargeback, acceptance, etc), the financially wise know this and hardly ever use Debit Cards but enjoy the benefits of a CC. The financially foolish use CCs to have fun for a few years or months and spend the rest of their lives as slaves to it. The choice is yours!

EDIT: For those who want the AMEX credit card with NO FIXED fees, you can use my referral link below. You get points for British Airways flights and and Holiday bookings. You get 6,000 points while I get 4,000. I have over 100k points which I can use to travel to anywhere in the world for free now:

https://americanexpress.com/en-gb/referral/jEDIDAgksF?XL=MNMNS

profemebee:
thanks, i just checked my clearscore and i have 740/1000.. and it says it is Stable..

I don't do loans or debts as i always normally pay off once without any credit, but decided to use the Currys finance as a first-time.. and it failed..

Currys finance is not a credit builder debt. Use Experian to check for credit you're eligible for. There might be some low limit, high interest cards. You don't have to pay interest though.

Schoolhike:


How did you filter off those scammers, Lots of prices I’m seeing are not real, too low for the actual car.

Once you message them, the next thing is they will send you an email to contact

So annoying. I block each of them to reduce it on my feed, I don't even bother chatting them up cos from the ad and the seller's profile, you can tell it's a scam. But they are so many!

Wegetju:
I have a question guys.

I'm planning to start my practical driving lessons. I have never driven anything before, no bicycle, or motorcycle. I have been advised to go for automatic instead of manual because it's easier. But I think driving automatic kind of restricts you. I don't know if this is correct.

What would you advise me to do, learn automatic or manual? What are the pros and cons, and what are the things I should consider

Also if anyone has recommendations for a driving school or driving instructor in Middlesbrough, please connect me.

You can get automatic license as it may be easier to pass the test. If necessary, you can always upgrade it later to a manual license, by then, the test would be easier

Interest Rates biting harder.

Pearlyfaze:
Good Evening Dear Ancestors.

Abeg this Aqua credit card, shebi if i no go pay interest in the following scenarios:
1. If I nor buy anything with the card for a month.
2. if i buy and pay my total debt via direct debit after the bill is generated.

In simple terms, Does it work like Amex in terms of repayment.



Amex nor gree accept me based on say i been get missing payment on my Gas bill when i been dey drag bill with British gas.

Yeah, they're the same. Also, avoid Cash Withdrawals

Efftyy:
Hi all. I am 7month Old in the UK, I checked my Experian credit score and it 911. Which credit card can i apply for . Thank you

911 on Experian in 7 months?! That has to be a record!

Jaylord11:
Please suggest others that I can apply for

Don't. Don't go applying for random cards. You'd kill your small credit score. Use an eligibility checker, Experian has it. Check for cards you're 100% eligible for, then apply.

igbsam:


Well, some people see it as being financially organized. According to his words. His argos card is for argos shopping, his tesco card is for tesco, sainsbury card is for sainsbury, aqua is for drinks, capital one is for Chinese meals, amex is for vacations. Quoting my colleague.

Having more credit cards is a more dangerous game, not many people can play. In UK, the ideal is 2 or 3, then balance transfer cards for well-thought out heavy expenses with extreme discipline.

https://www.thesun.co.uk/money/23661875/debt-app-improve-credit-score-money-traps/

igbsam:


I have a work colleague that has close or if I'm not mistaken above that numbers. He brags about having so much credit cards and how he's got one each for different hangout spots and restaurants where he frequents. Infact, he has all of them on his google wallet so he doesn't go about carrying physical cards. Did i believe him ? He showed me and i got tired of watching him swiping each and bragging after we got to about 17

What's the point though?

giselle237:
it will not be added. Even if added what you earn can not be more than your usual income.

He wants to earn more for calling in sick

hustla:




I like Amex

Will just wait for them to increase my limit

I doubt if AMEX does that automatically. Just go to the chatbot on the app and request a limit increase. I randomly requested for a limit increase to £10k a while back and was granted.

Meanwhile, someone used my referral link recently:

https://americanexpress.com/en-gb/referral/jEDIDAgksF?XL=MNMNS

Fresh users should always apply using a referral link so you can start off with Avios points. Mine gives 6,000 points now.