₦airaland Forum

hustla:
Not sure but other experienced people can answer

Did you have to add your phone bill to experian or your credit agency yourself or its auto updated?

When you take out a loan, the creditor sends the details to the credit agencies.

kingdred:
I cant point to the improvement, but it is on my credit report as an account.
I got the contract in feb, the first time I checked my score was in April.

I want to know if upgrading to phone contract will have a positive impact on the long run, or the effect is same as Sim only

You're usually not credit-checked for a sim-only contract, while you will be for a phone contract as they're giving you a new phone which you will pay for in instalments and that's a loan.

If you feel you can afford a phone contract, sometimes its better to walk into a shop and talk to the sales staff there instead of applying online and leaving your fate to the automated decision-making computer-says-no process.

rinzylee:
Baba any links??

How much did you budget and eventually buy?

Just google secondhand car dealers in your area, or use Gumtree and set a filter to "trade" which should exclude cars not sold by dealers in your area. Or eBay. However, with your budget, you're less likely to find cars from dealers ready to honor anything at that price point, most likely east European garages, and if you go down that route, you are no different from someone who bought from a private seller.

rinzylee:
I am a lover of stick o .... born into a Peugeot family and eventually drove one myself. Abeg did you say "wee Kia Rio"

At some point in the 80s and 90s virtually every Nigerian family that could afford a car had a 504 or a 505, depending, so that's not saying much.
As an aside, I once owned a 508, which I think is quite a lovely car, but note that Peugeot doesn't have a stellar reputation in this country (it was successfully demarketed after the 407, 607, and some other not good cars), so the resale value of Peugeots is quite low. On the other hand, purchasing an equivalent Peugeot car is usually somewhat lower than same year/class cars of other brands and Peugeots sometimes have as standard features that more expensive cars have as options.

ukay2:
Not good og mi....

Tongue firmly in cheek.

michaellek:
Please Elders, TheGuyFromHR, how can one go about providing a reference covering recent 3-year of employment to NHS job in UK, if worked as self employed in Nigeria.

Thanks in anticipation.

I've no idea how the NHS recruitment process works, but where I work (and generally, I would think), when we take on people who were previously self-employed we take up professional references. No point asking a self-employed person for employer references.

If you stated on your employment form that you were self-employed, the background screening agency will ask you for contact details of persons who can verify your previous self-employment, which would mean former clients, etc.

hustla:
No need to come or go again

My goodness.
I must cast my diaspora vote for APC.

giselle237:
this 829 is just this morning o. Was 801 yesterday.

Time for the speculators to clean out.
Let me go and sign up to the Lemonade app, might as well make a few ASUU-struck little cousins happy at negligible cost.

hustla:
Lemonade is now 829 to £1

Come again?

OgbeniOptional:
Please forgive my ignorance, how re they freely convertible? And how can they make naira also freely convertible?what really went wrong with Nigeria? There is form A as well as MG, WU which I believe they are in the range of oanda rate. If those apps are not in existence, form A, WU, MG, And the likes will be our options and not all these them lemonade. Educate me please

By ceasing to fix the exchange rate.
Of course it is arguable that sometimes fixing an exchange rate works as a temporary fix, but the situation in Nigeria is not one of them - the same government routinely profiteers from it, as Sanusi once pointed out - the most profitable business in Nigeria is simply obtaining forex at the official rate and selling it at the parallel market rate, money for jam really.

Lexusgs430:
Emefiele got the settings wrong..........

He has entered a Venezuelan or Zimbabwean postcode into the CBN satnav.

OgbeniOptional:
Don’t you think all these apps are our problems? Oanda as at now is £1 to #499. Even going down. So I strongly believe all these apps dey encourage black market rates. I don’t think there is black market for Euro to pounds or pounds to Dollar. All these apps needs to be killed before they kill us as a country to be honest. They are making stupid money while the country as a whole suffer for it. There should be strong protest from government against these yeye apps.

Lol.
Why would there be, when the currencies are freely convertible.
Black markets arise when the supply of an item does not satisfy demand.

Solumtoya:
Hahaa! Don't mind Emefiele. He had a point though. Abokifx was so powerful that they could be manipulating the rate. And if they could, they probably did

The parallel market rate, yes.
The so-called official rate is fixed inside Emefiele's bedroom, so that one is beyond Abokifx.
It is long past time for the naira to be floated, had it been floated back in 2017 it would have found its level by now. Of course, the round-trippers can't let that happen.

justwise:
Will it not come down to the same thing ?

My thoughts exactly.

semmyk:
Indeed, interesting insightful reading. Thanks TheGuyFromHR. I read about a quarter or third, scan/'flip' through the rest. So much to digest.
Govt response (expected within next 2 mths, though with 'no govt's ), will indicate "what's next". Well, Lexusgs430 already dare the (no) government.
I noticed, unfortunately so, midwifery is in a state of mess. That might indicate the unfortunate, unpalatable experience of haydotzed. Summarised in para 57

Just within a week, the issue of staffing was discussed here. Lexusgs430 highlighted deep rooted areas, characteristic of him in light manner. Here we have it laid bare b4 us in this report. Oh, I spotted a 9ja in the committee
^{Draft Report (Workforce: recruitment, training and retention in health and social care)
This is a House of Commons Committee report, with recommendations to government. The Government has two months to respond}
Members present:
- Jeremy Hunt, in the Chair
- Rachael Maskell
- Taiwo Owatemi

The health and social of the blue light sector really need beam light. A high intensity laser beam not just soft blue.

For others that have not read, perhaps unlike me who went about reading top-down, you might just do first few paragraphs, then flip to summarised "Conclusions and Recommendations" at the tailed end.

PS : I've only few areas touching in some of the talking points on this thread.
If Govt accepts recommendations:
- Those that want security of NHS might be able to do so with the flexibility they 'crave' for (almost at par agency/locums). [89]
- Those in the sector, especially NHS nurses would soon shout hallelujah because parents & dependants will be joining soon with less stress (in the voice of one of RCCG hymns). [72]
- Those in care would leap for joy on pay, opportunities and costed travel time yet watch their back with mandatory assessed certification and reluctant (international) sponsorship. [210, 211, 231, 233, 235, 198/201 (mandatory certification)] Obviously, £6bn funding inflow no b moinmoin.
- Those facing racism an unfair discrimination-induced disciplinary might get a ray of hope. [146, 149-150, 157]
- Doors of international HSA recruitment might remain open as-is or even more loose tap for at least another 5yrs. [62 to 71]

I thought the bolded was already a reality in terms of the NHS staff bank. I know some students who are on the bank and it basically works like agency staff in terms of you show up when you like, and still get NHS salary, blue light card and pension rights. I stand to be corrected though.

Hopefully, they take that finding to the logical conclusion for all roles. I'm looking out for something remote and part-time/flexitime in the NHS (nothing like a gold-plated inflation-indexed pension, no matter how small) and the reality is that Covid, while it has really hit parts of the economy and society hard, has also established remote/hybrid working and the sooner the government stops fighting that (the Tories are controlled by the big property owners who want their city centre properties to keep their values) and acknowledges the savings that could be made, lots of admin roles can be properly staffed for a change, even on shift bases (no need for doctors to be writing discharge summaries, for instance, save their time for real work, etc.).

Regarding the italicised, you are right when you point out that health and social care is a growth industry here, and many of the recent incomers would actually be well served in taking up training and other opportunities to stay in or enter that area, as it's almost a sure thing to eventually secure status.

Lexusgs430:
You know say when person be illegal immigrant, he must buy assets, incase deportation happens....... My people go see asset send to me back in Nigeria.........

This illegal elder self... don't worry, the good thing is that due to the huge visa fees people like us are paying, Fine Girl Patel can afford to buy you a seat in a private jet when time for deportation reach, unlike the days of sending people back to Lagos in cargo planes.

ukay2:
The beet thing is for the NHS to be privatised, but many patients in the UK won't be able to pay for the services

That's actually the worst thing that could happen.
A move to a hybrid model is the best option, just like in Germany/France, etc., where patients who can afford to pay something do, and those who can't don't pay or pay and claim it back (like in Ireland). Nobody wants to end up like America or Nigeria where paying for healthcare alone can mean the difference between life and death.

In Ireland, for instance, you pay to see a GP, so that makes people serious about scheduling and appointments and also hopefully encourages the GPs not to retire at 55, pension tax issues aside.

Another reason why the UK's free at the point of use model is overstretched is simply the imbalance between medical staff and admin staff (so many layers of bureaucracy that could be cut to free up money to train/pay more medical staff, but the NHS unions are too strong to let that happen, I would think.

Lexusgs430:
Before Brexit NHS was understaffed, After Brexit, same situation and this tide would continue till Infinity.........

NHS was understaffed in 1970, I bet it was understaffed before 1970....... So you see, it's impossible to fully staff the NHS .........

As at today, almost 35000 vacancies......... Tomorrow, it could be more ........

This just came out today - makes for interesting reading.

https://publications.parliament.uk/pa/cm5803/cmselect/cmhealth/115/report.html

hustla:
You're looking at it from the patient's angle, not from that of the person who has to clean poo

Poo cleaning is a necessary thing.
At some point all of us will age, and some might need their shit cleaned/nappy changed.
Life turns out how it will, we can only wait and watch and see.

eljidy:
Hi guys,

Please what are the cons and pros of living in Bradford City. I'm seeing some scary things online.

Anyone living in Bradford yet that could first hand experience?

Thanks

Bradford is virtually an Asian city, so that's something to get used to.
Apart from that it's in the same somewhat economically deprived category as Hull, Middlesbrough, Stoke, etc.
Some people are thriving in such locations.
Some aren't.

Up to you.

Ogbaba123:
Please guys, can a man claim paternity statutory pay?
And is this clarified as public funds?

Employment related benefits like those usually aren't.
Because you pay NI, you can get some unemployment benefits and definitely SSP irrespective of immigration status.

hustla:
Brooooooooooooo!

I applied for a support worker role o, not care worker. Got there and was shocked

I made mouth that I will resume 8am and leave 8PM thinking it doesnt involve personal care (they never mentioned it during the interview). I left or should I say ran away from there at 2PM

Got there and the ailments / condition some people are in is truly mind blowing; you'll just start to doubt God and your mental health starts to take a dive. Some people like it though, I am not just one of them

It doesnt make sense to me though. People who work in mental health / supported housing make the same money for more than half the stress

Information is key though, as some people dont know supported housing, assisted living etc exist

That's why medical professionals live such intense lives (e.g. medical students tend to indulge in a lot of stuff), because they see life in its most basic form, where the human being can be ravaged by so many things, some simultaneously, to the extent that you wonder if there is any meaning to life at all.

hustla:
They do, but not by hand

For instance, the first and only time i went to work at a care home, we used hoists; something like a mini human crane

That hoist thing to me is very dangerous cos if you do not take time to strap the patient in well, they can fall and hit their head

I have attached a picture of what it looks like

Lol, I should have clarified that I meant "by hand", like its done in Naija.
Obviously non-ambulatory patients have to be moved somehow, so some "carrying" must be done. I assumed that there would be an element of mechanisation in the process, as you've confirmed.

When you have a non-ambulatory family member in hospital in Nigeria, you go turn bodybuilder by force.

jadepinkett:
Which WhatsApp group is this? Asking cos I'm also interested

He meant "they're all in the same category".

omopapa:
The story teller might have exaggerated the sentence but there’s element of truth in the story. It can happen and it has happened

Note that I didn't dispute the fact that a caregiver can be negligent. Of course anyone can make an error. Even if not as the poster put it - I don't think staff "carry" residents in care homes, for instance.
It's the sentence I find somewhat implausible.

hustla:
That story has been. circulating on telegram for some time now, i seriously doubt its authenticity

Not to encourage people working in care to be less careful, but in a situation like that described, I seriously doubt that a court would hand down a custodial sentence in the first place.

hustla:
Insurance claims yeah? or is there any other added advantage?
I am going through the CC docs at the moment

Section 75.

kode12:
For a black, a Nigerian, and a student that might not have had adequate representation, the story might be true.

Unless their barrister was probably also a Nigerian student as well, they should have been able to make a reasonably good case in mitigation.

claremont:
Be careful out there folks.

This story doesnt sound true.
10 years is a very harsh sentence by UK standards for what is basically medical malpractice of sorts.
All those doctors and co. who make those kinds of errors get sentences in the 3 year range, this is way too high to be plausible.
Perhaps the person you cited meant 1 year, not 10.

Not to underplay the underlying message though - everyone be careful out there, and as is still the case and for numerous other reasons, avoid domiciliary care if you can.

hustla:
Bro, quick and funny question

Can CCs be used for BNPL purchases like PayPal's Pay in 3?

Since PayPal's Pay in 3 now reports to credit agencies, can you use one bird to kill two stones that way assuming you always pay off your cc on time? Or will this be a flag to credit agencies and impact your ratings?


I am just curious

If you are using PayPal Pay in 3 for something worth more than 100 pounds, use your credit card in your PayPal wallet as the underlying payment instrument in case you have to revisit the matter.

Mayflowa:
Hi LagosismyHome,

I am so glad to find you here. You have been so consistent for about 10 years in providing so badly needed answers on travels. Although I did my masters in the UK, I know more about US environment. UK study visa fee is now significantly higher. I led my friend into this and the school in London not knowing things have changed since I last went there. And living is London is so crazily expensive. Do they pay workers higher in London than the other cities?

There is something called "London weighting" which is basically extra pay some employers provide for London based staff, but depending on the job and the payscale, it may or may not be negligible in the light of cost of living.

Mayflowa:
Hi Everyone,

I need some guidance, please. A friend is starting a master's at Brunel University London this September. He plans to go with his wife and two kids. The problem he is facing is accommodation. The minimum two-bedroom flat we have found online is 1600 pounds. This is around Uxbridge. We are shocked that the houses are too expensive and wanted to find out if that is the going rate around Uxbridge or would he find a cheaper one if he went to the city rather than searching out on the internet from Nigeria?

Uxbridge is a high-rent area, UMC all the way.
It's certainly not cheap.
When he comes, he can go and look around in person but that won't change the expensive rent.
You should try elsewhere within Greater London. Joining the Indians in Harrow or Wembley might be an option.