₦airaland Forum

bigtt76:
Can someone above 40 years open a Cash LISA account? If no, what then is the alternative to to go for?

Cash LISA is for less than 40years only.

I think STOCKS & SHARES lSA has no age limit....

Mroriginal:
Can you please advise any other cash saving option with interest on par with inflation apart from LISA? Mostly for people who plan to leave UK after naturalization and do not want to buy a house and be mortgage tied.

Unfortunately l don't know this one. Big ogas like Lexusgs430, Sumotaya, Justwise, Ticha etc may provide answers soon.....

For CASH LISA account holders, do not forget to get the £4,000 into it to get the free 25% ((£1,000) by end of tax year in 5th April 2023. This could be used to deposit for your first mortgage house. Husband and wife less than 40 years could open this account and save upto £10,000 each tax year until both reach 50 years when you cannot save money in the LISA account.


For STOCK & SHARES ISA account holders, do not forget to max out the £20,000 allowance per tax year, 5th April, 2023. When you max out the £20k in stocks and shares ISA account, you can keep putting more funds in your General Investment Account.

There are so many stocks that are quite cheap in NYSE...you can cherry pick good dividend paying stocks with dividend yields upto 6-8%.

Remember that profits from stocks and share lSA account and dividend payments from your stocks and shares ISA account are not TAXABLE....tax man doesn't look into these earnings

Slow and steady win in the market....

HAPPY 2023.....

Lexusgs430:
It's still a risk nah ....... ₦ is like crypto, very volatile currency.........

I don't do exchange...what belongs to Ceaser remains with Caesar

Lexusgs430:
I can change it for the student........

₦2000 - £1 .......

Remember I am taking a huge risk, the ₦ go soon expire............

But Senate said deadline should be June 2023 nah...

Skolex5:
I will be greatful if someone can help schooling me on credit cards .

I want a proper schooling like a newbie , and possibly mentor !

Pls I beg .

Check old posts here from September 2022 to date. There were good discussions then.

JanegirlN:
Compliments of the season everyone. So I passed my driving test yesterday with 3 minors. I remember when I came here to complain some months back about my instructor (whom I did change) and driving in general.lol.
I had never driven before, had between 35- 40 hours and passed first time. I'm not a motivational speaker or anything but if I can drive and pass the test, Anybody can! My family still can't believe I passed. They couldn't even believe I was learning cos I can fear for Africa.

Congratulations.

Make sure you keep driving cautiously always...

Merry Christmas and Happy New Year (2023) to everyone

Congratulations Fatima....time flies indeed

bigtt76:
But na true naaaah Make dis cold reset hin head then he go understand those dry fish he refused bring back na saving grace for winter peppersoup. OP that Friday deadline you agree sef too long

I always tell people.....don't start what you cannot finish.....

jedisco:
This is the best time to migrate. Also, the current post-Brexit climate is relatively favorable for African migrants.
She has no student loans, she has the time and energy to put in hours + build a career. If she takes her opportunities well, 10 yrs down the line, this move should prove hugely rewarding.

Well said....

LagosismyHome:
I am a serial job changer....lol. story for another day but what you typed up has been my experience

As long as you have accrued it and there is enough team coverage, its not even a big deal or worth a second thought. No normal manager will be upset

I have collected all my annual leave, study leave etc in my office....

Waiting for next year to start arranging all the leaves. British people in my office have collected theirs.......

Solumtoya:
Moneybox.

These are neither sponsored nor Financial Advice but based on experience.

moneybox is good

£200 every week direct debit is what I do ......

Solumtoya:
Folks don't think of this until they finally start earning well and want to buy a house soon, but it's already late if they want the house in less than a year

Its good you are reminding those that have not opened......weldone

BorisJohnson:
I think you were so eager to buy a car from a ‘friend’ that you didn’t bother to do the most basic research about road taxes.

Road tax 101 is very clear that it a not transferable. The day a car is sold, the burden shifts to the new owner. Infact, if the old owner had already paid fully, they will be refunded.

I guess you have paid school fees, to learn the hard way.

Lessons learned. Move on.

Exactly

Serious school fees paid unfortunately

Lexusgs430:
Honda Jazz .........

Ok.....

Me na toyota aurius I de use....strong and reliable forever

Geebee5:
Thanks a lot for the reply. Will make careful comparisons and make a decision. May God guide me.

NHS all the way.....for now....

Lexusgs430:
Buy this .......

Which product and model is this please

ELff:
Whew. I trusted he was paying the tax. I don't even have the money to pay tbh.

Hmmm....

Learn from this and trust only yourself next time.

Please settle the tax man before they will dispose of the car.....tax man does not laugh when it comes to what belongs to him

jesmond3945:
lol. I am trying. You know people you see on a daily.

If l feel happy within myself, I may say Hiya and smile very little, otherwise i mind my business-drop my children in their classes or take them from their classes, then waka enter my car and zoom off to my house

jesmond3945:
my dear na to swallow strong coffee. Where i see smile kwanu when everybody squeeze face like agege bread.

Mind your business

Pearlyfaze:
I will check with my Energy supplier and wifi.

We pay rent 3 monthly upfront payments. Currently, the one we have paid will expire January 8. We are supposed to pay again by January 9 for 3 months till April 8.

I will check the contract and speak with the letting agent too by nexg week.

Why 3 months upfront payments all the time please

hustla:
LOL

Does it ever get better in 9ja?

Maybe next year when the positive effects of the policy kicks in Sha

I really want to see a strong naira and Nigeria one day....

DeeOneBangin:
People do it, he only brought it forward to the wrong forum.

I meant in a forum like this

hustla:
Here we go

How can this stop going downwards biko

Lexusgs430:
Stop looking for a squirrel, with a hunch...... You would not find any ..........

To start with, it's illegal & nobody would risk their NCD.........

If you start paying that insurance premium now, in no time ..... You would join us in the £180 per annum fully comprehensive insurance club ........
..

I am just imaging how someone will just do that really...

marylandcakes:
Not all investors, for e.g. if your funds are due during a crash, that will be the value you will get. People commit suicide because of cases like this, so it’s no joking matter. They could loose all their life savings in the process.

The stock market crash is good for the investors on cash is king....

RS....

Lexusgs430:
Wahl senior is about £100+..... The one posted is only £27 (equally as good, if not better).......

Ok ....if same quality with WAHL, fine

Bj finally stepped down and RS became PM.....

justwise:
This is not good idea, fixed for 10yrs on this current interest rate? And when interest rate comes down you will still be paying higher rate

Better at the lowest interest rate...less than 2%

Lexusgs430:
£20 * ₦800 = ₦16,000 (for a haircut), that would last only one week .............

Welcome to the youkay.........

Buy this cordless clipper, use your head as the guinea pig....... Eventually, practice would make perfect.......

I use WAHL senior cordless clipper.....very good