Ticha's Posts
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 Travel / Re: Living In The UK: Property,Mortgage And Related by Ticha: 10:35am On Jan 21, 2023 |
I don answer present!  Semmyk plenty blessings for you! 2 Likes |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 9:46pm On Jan 20, 2023 |
donshegzy: Tax efficiency usually - usually where the man already falls into the higher tax bracket. It is to mitigate the effects of S24. It will mean the woman in that partnership earns way less than 50k or works part time hours or does not work. So the ownership is split in favour of the woman and the whole or majority of the rental income ascribed to her earnings. Plus she most likely has more time to do viewings or she's more personable, astute and shrewd. 5 Likes |
| Travel / Re: Parenting In The UK As A Nigerian Migrant. by Ticha: 8:28am On Jan 18, 2023 |
Ebravo23: You'll need to contact schools (for A levels) and colleges (for Diplomas etc) directly. Compulsory schooling ends at 16 although school leaving age is technically 18. Most schools will need her last results for A level placements. It is a very academic 2 years and many schools won't accept any child that isn't academically capable of passing the exams (AS and A level). It might or might not be free. School and college policies will dictate. https://www.gov.uk/know-when-you-can-leave-school 4 Likes 1 Share |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 9:42pm On Jan 16, 2023 |
Chreze: 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. In 2022, more than half of all the teachers (who are mainly from developed countries) at the kids school left NZ permanently. Some to the UK, majority to Canada and a few to Aus. 4 of our very close friends have left - 3 to the US and 1 back to the UK. All British. 2 of them in the medical profession. 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. For example, when we left the UK, childcare for 3 children for us was about 100gbp a week so roughly $200 nzd. That same year in NZ and Aus (we had a choice of both countries), childcare per week for 3 children was $750 so 375gbp a week. After all, we're British and moved to New Zealand 5 years ago and we're now planning a move back to the UK. At this point, I'd happily move to the US for a couple of years sef but we will return to the UK. In many expat FB groups, Aussies, Kiwis and of course Americans are trying to move to Europe aka UK because - lower pay yes but also, lower cost of living, shorter working hours, more annual leave, more worker and renters protections to name but the few benefits Our office has just opened 1 European and 1 American branch as they're tired to being in a constant recruitment cycle. Now they're offering intra transfers to satisfy people's need to run away from NZ. Covid means people have a new sense of wanting to move, wanting to live somewhere else, wanting to achieve other things in life. Na green grass syndrome dey worry everyone. Plus the British are awesome at whinging. Complaining about how shit the UK is is a national past time. Sotay their nickname here in the antipodes is whinging poms! 18 Likes 3 Shares |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 11:09pm On Jan 15, 2023 |
hustla: The stress levels for healthcare workers are the same everywhere. Canadians are complaining they can't GP appointments and can't even register with a GP as there is staff shortage and current staff are overworked I can tell you that despite the high pay here, health professionals are also leaving. One of our ED wards in Wellington was closed due to staff shortage last week. Patients presenting at emergency dept have upto 14 hour waits to be triaged and I have been waiting to see a gynaecologist for 2 and half years here in NZ. At this point, I'm even happy to go see one anywhere. I'm having to pay privately to see one later this month and even that was a 6 week wait. All our nurses, Drs, surgeons are ethnic minorities as well from developing countries and they don't even make it easy for them to come in and practice unlike the UK The grass is always greener on the other side till you get there o! 10 Likes 2 Shares |
| Travel / Re: 8 Things You Need To Know About New Zealand by Ticha: 7:52am On Jan 12, 2023 |
unclepauly: https://www.immigration.govt.nz/new-zealand-visas/apply-for-a-visa/about-visa/visitor-visa |
| Travel / Re: Parenting In The UK As A Nigerian Migrant. by Ticha: 1:15am On Jan 11, 2023 |
babajeje123: The HS community is the babanla house of alternative parents! Unless you want to isolate your children from everyone, your children will still be part of those lessons just from being out and about in the community. You need to arm them with the knowledge you want them to have to navigate the society they find themselves in. HS won't help with that. 4 Likes |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 1:05am On Jan 08, 2023 |
JaySterling: It is not impossible however some big factors first; 1. Your locations are already fixed so unless it's somewhere very cheap up in the North East or in the middle of nowhere in Wales, you'll need more than N33m in deposit. Will you all be in the same city or very, very close to each other location wise? 2. You'll need a house rather than a bungalow. Aim for former HMOs. They're perfect for situations like this. 3. You will need time. Aim for at least 9 months from now. Now to the nitty gritty - It is possible but will take you a good 9 to 12 months to achieve if your brothers are not here yet. You will need a good deposit (many hands make light work too!), be prepared for 15% and above for the deposit. The higher the deposit, the better your chances. You all will need clean credit reports - no debts, no applying for every credit under the sun etc Transfer the money to the UK and keep hold of your Nigerian bank statements for AML checks You good need a good job - majority of lenders will do 4.5 x income so that gives you an idea of what you might be able to afford You will need upto 6 months payslips Read up on how to structure house purchases - tenants in common etc (https://www.farrer.co.uk/news-and-insights/uk-residential-property-structures-what-are-my-options/) Discuss and agree an exit strategy for all of you Stamp duty is applied on purchases over 425k for first hoe buyers so you should be all good as joint first home buyers Find a broker - a very good broker can do and undo when it comes to financing property purchases Be prepared to pay higher than normal interest rates If you know any families that already live like that, have a chat with them as to the reality (Indians, Pakistanis, Bangladeshis, some Jamaicans live communally) So work out locations, then cost of at least a 5/6 bedroom house in that location, how much deposit you need and set out time frames for hitting that deposit amount. Have clear discussions around how it will work having all of you in the same house. Discuss boundaries, routines, must haves, cannot tolerates etc. The longer the must have and cannot tolerate list, the more difficult it will be. Good luck! And kudos to you all for thinking outside the box! 13 Likes 2 Shares |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 3:10am On Dec 27, 2022 |
semmyk: You are right. OP, Pay for January - follow it up immediately with an email explaining that due to circumstances beyond your control, you can only pay monthly for the foreseeable future. Include that you love the home, look after it as it it's your own, will not default in rent and you're happy for them to come have an inspection at a mutually convenient time. They will have to give you 2 months notice to leave, you can also choose to stay and not leave and continue paying rent even when the notice ends. They'll have to take you to court and if you're paying your rent, have evidence the house is looked after and that you also informed them of that, you have a very strong chance of the court ruling in your favour too. No sane agent/ landlord will go through the hassle of the court process of a tenant that is not an issue. Good luck 9 Likes |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 10:08pm On Dec 10, 2022 |
babajeje123: Put his things out. Change the locks. Job done. If you want to be kind, give him 24 hours notice. 3 Likes |
| Travel / Re: General New Zealand Student Enquires by Ticha: 2:27am On Dec 08, 2022 |
daylaysongs: You'll need to show financial evidence that equals: 1. First year of your fees (most masters programmes are 18 months to 2 years) 2. A minimum of $20K NZD as living expenses. You will also need to show at least 6 months worth of bank statements 1 Like 1 Share |
| Travel / Re: General New Zealand Student Enquires by Ticha: 1:43am On Dec 08, 2022 |
daylaysongs: NZ education is expensive. Fees are much of a muchness regardless of the level. You will find a degree qual is as expensive as a post graduate qualification. Only PhDs are cheap at about $7k ish and you will need very strong academic and employment skills to even get a PhD supervisor. There are 8 universities and only a handful of colleges offer post graduate quals so it doesn't have the glut of education providers that other countries have. You will struggle to get any vocational qual admission or even a visa to study a vocational qualification. The visit visa rules allows for upto 3 months of study but you will still have to show a substantial amount of money/ income/ ties to your home country to be granted a visit visa. Basically, if you have NZ on your radar, be prepared to spend 2 Likes |
| Travel / Re: General New Zealand Student Enquires by Ticha: 12:06am On Dec 08, 2022 |
daylaysongs: Your best bet as usual is the study route unless of course you have marriage to a Kiwi on the cards. Aim for courses that lead to occupations on the green list - https://www.immigration.govt.nz/new-zealand-visas/apply-for-a-visa/tools-and-information/work-and-employment/green-list-occupations If you can't do that, then look through www.seek.co.nz - filter by income ($110k) is a good rule of thumb for a reasonable standard of living in Auckland, Welly and Hamilton. See the roles that come up, find a course that fits and go study one of those. Good luck! 1 Like |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 5:42am On Dec 06, 2022 |
vanod: Holiday lets are coming into the winter period where most shut down and have reduced occupancy. Find all the holiday lets in your area using AIrbnb, VRBO and Booking.com. Message them all, state how much you can pay (rule of thumb is to half their daily rate) and offer at least a 3 month occupancy. That takes you to March when bookings start coming in again and enough time to find a long term let. If any have their name in their listing details, google the name - some maybe have a google pin which would give you the address, website, phone number etc and you can approach them direct. 7 Likes |
| Travel / Re: General New Zealand Student Enquires by Ticha: 9:50pm On Dec 04, 2022 |
Sanyiicrown: It depends on your skill set. It is relatively easy to change visas on country so that's a plus. Visit visa - a close family member of mine has just received an approved visit visa. They're applied on the 6th of Sept. Received an acknowledgement sometime in Nov. They also requested a high res scan of their passport pages. Visa as issued 2nd of Dec for a year validity but 6 months max time in country within that time. So it took about 4 months. I think the time frame will get shorter. All was completed online. I sent an invitation letter detailing our relationship and that I would be responsible for their accommodation. They attached letters from employers, 6 months bank statements (for both of them), our mortgage documents and a cover letter about why they want to visit. |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 2:00am On Dec 04, 2022 |
Ogbaba123: 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. 5 Likes |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 11:15pm On Dec 01, 2022 |
mizGene: A D rating will be a big shock to your bills and system. To put it in perspective, majority of mainstream lenders will not approve a BTL mortgage on a property with an EPC rating under C. If the government gets it's way, from 2025, all properties rated D and below will be classed as illegal lets for rental purposes. So C should be your minimum really. 9 Likes 1 Share |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 8:35am On Nov 30, 2022 |
Strata1716: More or less yes because she's an excluded tenant unless her contract states otherwise ie gives a specific notice period then that notice period it is. And even with that, she has to take the home owner to court to honour the contract. Court fees alone is about £300 and it can take months (upto 8 weeks) to get a date |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 8:17am On Nov 30, 2022 |
koonbey: Ok oh. |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 8:13am On Nov 30, 2022 |
Strata1716: https://www.gov.uk/rent-room-in-your-home/your-lodgers-tenancy-type See where it says reasonable notice? It's just that. What is reasonable to the home owner. Like I wrote earlier, if for any reason the home owner also calls the police be that out of malice or otherwise (which we cannot discount), your friend will be removed immediately. Also if no money is changing hands ie she's not actually paying rent but providing services for accommodation, then she is an excluded tenant as well so can be asked to leave without notice. Her only recourse will be if they have a written contract that says otherwise ie states a specific notice period. However, your friend will have to take her to court to enforce that and where will she stay in the meantime? It's easy to say she should fight and stay. How is she going to share a house, lounge, bathroom and kitchen with someone who does not want her there? That relationship is going to go south very, very quickly. 4 Likes |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 8:24pm On Nov 29, 2022 |
Strata1716: This seems like a boarder/ flatmate agreement. It falls completely outside tenancy rules and regulations. Plus she is not paying rent at all so the home owner is within their rights to ask them to leave anytime. When we used to have boarders, our standard notice was 7 days but it can be as short as 24 hours if we felt it was necessary ie person turns aggressive. Police will also attend and remove if called especially as there are children there. To be honest, rent is one of the biggest expenses for anyone in the UK. If someone has offered you a rent free space for interaction, you'd better be showing up and providing that interaction that you signed up for! 14 Likes |
| Travel / Re: Parenting In The UK As A Nigerian Migrant. by Ticha: 1:02am On Nov 23, 2022 |
babythug: Keep bathroom windows open even in the winter. 1 Like |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 7:45pm On Nov 22, 2022 |
DadR: Majority of the information you need is in my response that you quoted. Did you check that the deposit wasn't protected? You can call up any of the 3 custodial deposit schemes and they'll tell you yes or no. It's better to get all your ducks in a row first. You should have: 1. A rental contract 2. Right to rent documents (EICR certificate, gas safety check certificate, carbon monoxide alarm fitted and evidence) 3. Documents telling you where your deposit has been protected. If no for any of the 3, you need to start county court proceedings. It costs 300 quid ish but you can ask that the landlord pay your costs. Claim all your rent back, plus your deposit x 3 and your costs. https://www.gov.uk/tenancy-deposit-protection/if-your-landlord-doesnt-protect-your-deposit 11 Likes 3 Shares |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 12:48am On Nov 11, 2022 |
hustla: It's a fully remote role. I can assure you of that from inside sources Yes preference would be given to someone in NZ/Aus which is usual of course. However, for the right person, they can live anywhere! |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 8:07pm On Nov 10, 2022 |
Apologies -I posted and went to bed and forgot the link! Thank you @Hustla https://jobs.lever.co/xero/98a5d975-b47d-4c3c-add6-cad1c39e68fd?lever-via=2_2Izee1tX 2 Likes 3 Shares |
| Travel / Re: Parenting In The UK As A Nigerian Migrant. by Ticha: 8:02pm On Nov 10, 2022 |
jesmond3945: Drop and run with a sunny good morning! |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 8:32am On Nov 10, 2022 |
Remote IT role with Xero in New Zealand. Good luck! 3 Likes 1 Share |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 9:07pm On Nov 09, 2022 |
HollyMadison: Yes, I often used either the money transfer credit cards or the balance transfer credit cards to fund big purchases. Go for those that have upto 18 months or more interest free periods. Do not spend on the card once you transfer the balance to it or transfer money from it. https://www.moneysavingexpert.com/credit-cards/balance-transfer-credit-cards/ I prefer the money transfer cards cos it pays cash into my account and I can re-distribute it as I please. I still buy the tickets with a credit card to give S75 protection. 13 Likes 6 Shares |
| Travel / Re: Parenting In The UK As A Nigerian Migrant. by Ticha: 8:59pm On Nov 09, 2022 |
niyi123: You'll need to ask this on the study in UK thread. Plus how can a UK institution quote you fees in $? All their fees are stated on their websites. Don't get scammed o 1 Like 1 Share |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 8:38am On Oct 25, 2022 |
semmyk: First thing they agreed was to increase the age limit and time frame for the working holiday visa. It's now 3 years and max 35 years - it was 12 months and max 30 years Then plenty NZ wine and lamb for una! |
| Travel / Re: General New Zealand Student Enquires by Ticha: 7:32am On Oct 25, 2022 |
SuppoOmoo: I'd respond and say primarily for study however, you're also open to work opportunities that would enable you have a practical application for your proposed study. That way, you confirm that your main aim is study 5 Likes |
| Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 11:28pm On Oct 22, 2022 |
hustla: Madam who's gearing towards Mental Health Nursing. I have a friend who came to NZ as a student. She studied Mental Health Nursing and was on around $90k after 3 years of work. Once she got PR, she did a 1 year midwifery course and moved to Aus as a travelling midwife aka bush midwife immediately she got citizenship. They bought a house within a year. She was on almost $180k paye and she covered a 100km radius for work. She had accommodation, car, feeding, petrol, uniform etc paid for. She did that for about 3 years (almost paid off their mortgage and saved for private school fees for the kids) and went back to mental health nursing! Nurses in NZ (can't speak for Aus) also work 8 hour shifts rather than 10/12. So anything over 8 hours is over time paid at time and half. Starting salaries vary depending on the district health boards (not unified but about to) but it seems the base across board is between $65k and $70k so about 32k GBP I appreciate all you have said and sharing how you did it but one part thats not really clear to me if how you would make the jump to Europe or UK later. Do you have citizenship or ties to the UK which can ensure your return? We're Brits. Me naturalised and him - goes back several generations. We have PR in NZ now but thinking to the future, it makes sense to get citizenship as that will enable the children live and work all over the Pacific including Singapore (in certain fields) without any restrictions. So once we get citizenship next year, we'll leave. I have 2 big issues with NZ. 1 - The secondary education system is shit. 2 - it far away from my people and I want my children to know at least their immediate relations very well so we need to move closer to the motherland and my people. My husband really doesn't care about family ties but I do. One part I will also like to key into your wealth of knowledge is real estate and investments, I think a seperate thread will seriously help with that (I know I am not the only one who would like this) and I think Oga Lexus can also chip in some investment, home buying, insurance etc advice on there Problem with this is that I wouldn’t want anyone to take my advice, tips etc as gospel. But happy to chat with anyone as and when. Plus I'd rather do something like that on a non anonymous forum. Too much drama where there is anonymity. Life is too short for unnecessary drama 12 Likes |
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