₦airaland Forum

donpata:
For 3yrs PhD studies, I guess I don't need to show funds for the final 2yrs of the study. However, Must I explain how I go take care of fees and myself for the remainder 2yrs?

eagshay94:
Please I want to ask

Can I use my sponsor's account as a POF.
My brother whom we share the same surname is my sponsor.
Or is it a must the money is in my personal account?

Zahra29:
Hey, dependents generally mean immediate family members including biological or adopted children. Nieces and nephews can be allowed in some cases such as being able to prove legal guardianship due to exceptional circumstances (e.g., parental absence or inability to care for them).

Zahra29:
Agreed.

Unfortunately this has been going on for decades, even with high profile victims like Mo Farah ( the Olympic marathon runner). He was brought to England from Somalia as a child and made to work as a domestic servant by the family that brought him in. His story is very moving.

https://www.google.com/amp/s/www.bbc.co.uk/news/uk-62123886.amp

Part of the reason why the Home Office does not allow "niece" and "nephew" dependants- too many people looking to exploit children/vulnerable people.

Oggg:
Incorrect . You dont buy adult ticket. U buy the usual child ticket and fill a paper form at the front desk or contact customer care via webforms/telephone etc to book it. Child will have a dedicated staff to them at al tiems and at all steps of the way. No delays. At the final destination will be helped to clear customs etc & get luggage and handed over to the receiver tht was filled initially. The service does not carry any extra cost. One just needs to confirm with the airline their age limits. Ciao.

Oggg:
Unaccompanied minor service. It’s not paid for. All the major airlines offer it, the difference is in the ages. Some take from above 5, some above 8 years etc. It is a very common service. No extra payment needed.

LORETA:
Good morning guys, Happy easter to you.
Please is there any ban on me bringing dried Goat meat and dried cat fish to the uk.
I will be bringing a Whole goat meat cut and dried in pieces put in zip log bags.
Also the cat fish will be about 100 pieces in Ziplog bag too.
Please advice.
My entry is Heathrow airport.
Thanks

MsAnonymous:
It will take more than 2 wks for your visa to be ready, why not make your date like 3 wks to a month's time?

Jamesclooney:
I’ve never fully understood how the Amex Rewards system works. Could someone please explain it to me in simple terms?

For instance, I currently have 346 BA points, but I can’t see my Avios balance in the app anymore. However, I noticed an activity summary showing a deduction of 200 Avios points on March 1st. Does anyone know why they were deducted? Does it happen monthly because I can see I earn a lot from each spend?

Also, what exactly is the Companion Voucher? Is it a separate reward from Avios points?

Lastly, I’ve transferred some Avios points to Qatar Airways in the past—how are Amex, BA, Qatar Airways, and other airlines connected in this system? I feel I’m not fully utilizing this benefit considering all my credit card spend is with AMEX!

dende3:
Nope TB Test is not for Visiting Visa because on a Visit visa you can not spend longer than 6 months at a time even when u re granted 10 years visitng Visa

jedisco:
A good starting point is understanding what ISAs are. ISAs is the umbrella term for your tax free saving allowance of 20k. Its like a tree which then has different subdivisions such as LISA, S&S ISA, Cash ISA e.t.c. I've found this site useful in explaining the whole concept : https://www.moneysavingexpert.com/savings/isa-guide-savings-without-tax/

Now to LISAs - Its a seperate bucket under your ISA where the government tops up your contribution by 25% but this can only be used penalty-free for 2 purposes: buying your first home or at retirement. There is also an exemption if one is terminally ill. Also worth noting that you can't currently use it to buy a house that costs more than 450k - something to consider as you're in London.


First is to decide if you want to save for your home in a LISA or normal ISA or both. To many, filling a LISA first is preferable as you get the 25% rebate. With the money (your deposit + govt rebate) now in a LISA, you then decide what you want to do with it. Do you leave it in cash and get 1- 4% per annum without the risk of loosing money or do you invest it in S&S with potential for much higher returns but risk of losing some capital. If investing, the next question is do you buy individual companies (st0cks) or do you buy a basket comparising a large amount of companies (i.e fvnds). Fvnds which are my preference, if well chosen are cheaper, little hassle and historically return 7-10% pa. There's the risk you may lose some money when investing but if you your time frame is long enough (3-5 yrs and above), you would likely come out much better when invested properly. The risk is actually holding cash. Remember guaranteed interest on cash would struggle to match inflation and is unlikely to keep up with house prices.
When deciding on whether to go with solo st0cks or buy a collection, I've found this short video series quite good in explaining the concept.

https://www.youtube.com/watch?v=gM4KEJQ_Z5U

I'd give an example (pictured)- after buying my place, I decided to continue investing in my LISA for retirement purposes. This time I went with S&S against cash. Its maxed out for the financial year and invested for under 8 months in the named fvnd. Returns so far (aside government rebate) is over 9%. Granted the last 2 years have been exceptionally good for markets but it'd take 3 years for same amount in cash to bring same return if the interest rate was 3%. I say 3% cos though you might get higher now, rates are likely to fall as BOE drops rates. Interest rates on cash were 1% is not too long ago. While saving for my place, I used a cash ISA+ LISA but with what I know now, I'd save in S&S if I'm doing it again.
Thesame concept largely also applies to how pension investments are made. Just like ISAs, they are all called tax-free wrappers. It's what you do with money inside the wrapper that matters.

lavida001:
How much does one need to spend to get 12500 worth of Avios ?

Viruses:
How many avios points did you use for this?

AgentXxx:
Did the Crowdstrike/Microsoft Outage affect anyone in here. Grateful it was minimal for us but I read that Airports, Hospitals, and many organisations most especially in Australia were crippled.

PMKeirStarmerer:
Congratulations to us.
With Rachel Reeves and Angela and David Lammy team, better days ahead.

hermetic:
Greetings everyone, Please I need your help. I created an online survey to be used as an assignment (Market analysis) in my course. 10 questions, will take less than 5 minutes.

The deadline is before noon Monday week, I am aiming for at least 50 responses. Ejo, biko please come to my aid.


Here is is the link to the survey:

https://www.surveymonkey.com/r/WPZMHS3

Thanks!

If it’s not too much to ask, please like this post so I can have an idea of the number of responses I’m getting.

ubby26:
Thank you Chinlov.
Just called her. She is fully booked.

hustla:
In other unrelated news, I finally completed my Msc Cybersecurity with Distinction

You all can come and chop jollof rice in June abi July

Bills on Lexusgs430

Dappy25:
I understand that Lexusgs430 finds humour in everything and some people might not like that understandable. But there is no evidence to accuse him this way. I’ve been following this thread since 2022 and he has been providing lots of advice and information, things more experienced UK people won’t even bother with.

His advice with getting life insurance is one I took and I’m happy I did because I’m almost in a bleak medical situation now.

ehizario2012:
I'll advise you tread carefully. Fraudsters might be lurking somewhere or trying to be funny. For it to happen to you and husband, same time, is a red flag.

Lexusgs430:
This fraud was a deliberate act, by people at that hopeless institution.......

You would now have to pay an extortionate fee, to rectify your data.........