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Ukay2's Posts

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Investment / Re: Nigerian Stock Exchange Market Pick Alerts by ukay2: 7:53am On Feb 02, 2022
currentprice:
Let me open new page for you mate cheesy

EKUU MKT O

grin grin grin

Weldone boss

February is going to be a good earning month grin

3 Likes

Investment / Re: Nigerian Stock Exchange Market Pick Alerts by ukay2: 7:45am On Feb 02, 2022
yMcy56:
ACCESS.........sighted @10.10
UBA .........@8.70
GTCO........@27.80
ZENITH.......@26.50
WAPCO ........@27.20

GT and ACCESS don dey wake up......

**Disclaimer: Not to be taking as any form of buy or sell.

Someone already JUMPED OUT from ACCESS, the only Mr Swallow in the market grin

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 7:43am On Feb 02, 2022
TheGuyFromHR:


Lol - our people fear even the mention of death. Don't sow panic o.
We are a people who virtually never write wills and strenuously avoid talking or thinking about death and here you are bringing up the inevitable end.

Na so our people they do...

Good for one to plan and get WILL...makes ones to plan well..l read late Gani Fawehimni WILL and it was quite comprehensive.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 7:39am On Feb 02, 2022
wonlasewonimi:


You better go and buy Google stock. They are doing a stock split 20 to 1 so that you can make money and buy the latest Legend wink

Google surpassed their FY earnings, good I am already in. I will buy more after the euphoria.
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 6:17am On Feb 01, 2022
kode12:

Yeah, that’s an advantage we don’t have as Africans. Teens here are already talking stocks, bonds etc while the average joe is absolutely clueless

I do hope your now talking and investing in both stocks and bonds grin

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 11:24pm On Jan 30, 2022
fatima04:
My updated credit score grin grin grin, to encourage new comers and all the queries about building credit score. Its not an overnight race and requires lots of patience and steps. Took me 4yrs to get here and my advise is everything matters, oldest account on report is for my water provider severn trent and every account for electricity, Internet etc is also reflected, so not just owning and using CC helps.

I also have credit card accounts with different banks and ensure I only use what is in my budget for the month (mostly), so pls don't spend and not pay back and start accruing avoidable interest cos those APR values are something else

Very impressive.

Thanks

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 11:24pm On Jan 30, 2022
dubaiprince:


Nigeria actually have similar schemes under the NHF but it is a shame they are only on paper.

I don't think I will have access to my
NHF now I left them with the fund grin grin
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 11:11pm On Jan 30, 2022
dubaiprince:
Public funds are mostly unconditional benefits and assistances where u don't have to refund the government. In the case of help to buy, the government's contribution is not free, it is a loan you pay back (with interest after some time). For LISA, there are stringent conditions under which you can withdraw without getting government charge. It is more like saving money with the government to collect it later in form of contribution towards deposit or pension at 50 years. Help to buy and LISA can't be seen as public funds.

You will surely see the signs of a scheme that is not open to migrants. All the shades of public funds will be written over it especially during application unless you want to ignore.

Thanks for the clarification too.

When will our Nigeria government help us open this type of LISA. Our leaders should emulate good things always to help citizens
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 11:07pm On Jan 30, 2022
Ticha:


If you're under 39 years old, open a LISA account. Start paring down your expenditures. You can also round up your spends and save the spare change to the nearest pound. Sell anything you have that hasn't been used for 6 months or more - cos the chances of then using it again is quite low. Get a 2nd job if you have the time (do not sacrifice family time as you'll never get that time back) and save every penny from that 2nd job. Consider saving a fixed monthly amount as well.

Remember unless you're rolling in wealth, your first home is just a stepping stone into property ownership. Be realistic as to what you can buy. Good luck!

Good advice

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 11:06pm On Jan 30, 2022
Adewumi2888:
Wait ooo!!
Please does getting a trainee position within NHS amount to recourse to public fund ?

No
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 10:32pm On Jan 30, 2022
Ralphlauren:


Help to buy scheme and LISA are two different things.

But the couple in the yutube used LISA to buy their mortgage house nah, so it out affect their ILR
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 9:49pm On Jan 30, 2022
Ralphlauren:


They've casually mentioned that they used the government's help to buy scheme which means all they had to do was drop 5% deposit.

I hope they are aware that such schemes are tagged as public funds. Good luck to them if they are not indefinite leave to remain holders as at the time they made the application . . . . Only an idiot with an eye on UK citizenship will claim public funds and think they can get away with it . . . .

It's not a public fund and I have friends who got their ILR despite using the LISA....please verify.


Lifetime ISA
You can use a Lifetime ISA (Individual Savings Account) to buy your first home or save for later life. You must be 18 or over but under 40 to open a Lifetime ISA.

You can put in up to £4,000 each year, until you’re 50. You must make your first payment into your ISA before you’re 40.

The government will add a 25% bonus to your savings, up to a maximum of £1,000 per year.

The Lifetime ISA limit of £4,000 counts towards your annual ISA limit. This is £20,000 for the 2021 to 2022 tax year.

You can hold cash or stocks and shares in your Lifetime ISA, or have a combination of both.

When you turn 50, you will not be able to pay into your Lifetime ISA or earn the 25% bonus. Your account will stay open and your savings will still earn interest or investment returns.

To open and continue to pay into a Lifetime ISA you must be a resident in the UK, unless you’re a crown servant (for example, in the diplomatic service), their spouse or civil partner.

Any UK resident with national insurance number is entitled to LISA. No way was it mentioned that it affects ones ILR.


https://www.gov.uk/government/publications/public-funds--2/public-funds

10 Likes 4 Shares

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 11:40am On Jan 30, 2022
TheGuyFromHR:


You can never go wrong with a quick googling.
But just this once - https://www.gov.uk/government/news/the-highway-code-8-changes-you-need-to-know-from-29-january-2022

Thanks grin

Pedestrian and cyclists are the kings of the road now..

No mind me o
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 11:15am On Jan 30, 2022
TheGuyFromHR:
Has anyone noticed cyclists riding in the centre of the road this morning in groups, following the changes to the Highway Code? Hilarious, they're holding up the traffic and having fun.

For those not aware, Highway Code has changed as of yesterday, so familiarize yourselves with the changes.

Please what is the link or summary of the new code?

Thanks
Investment / Re: Nigerian Stock Exchange Market Pick Alerts by ukay2: 3:24pm On Jan 28, 2022
Willie2015:
Total lifting up...
Km N350...
Loading ...
Just observing...
sad grin shocked


We move...

N30 dividend payment is what am expecting

Total deregulation of petroleum sector will take TOTAL to the promise land...kmN450
Investment / Re: Nigerian Stock Exchange Market Pick Alerts by ukay2: 3:01pm On Jan 28, 2022
otokx:


I have jumped out.

All the best
Investment / Re: Nigerian Stock Exchange Market Pick Alerts by ukay2: 2:59pm On Jan 28, 2022
onegentleguy:
OKOMU almost in the league of TOTAL ENERGY. wink cheesy grin

...grossly undervalued!

It is well.

Your seeing what am seeing Onegentleguy shocked
Investment / Re: Nigerian Stock Exchange Market Pick Alerts by ukay2: 2:53pm On Jan 28, 2022
yMcy56:

My bros, don't mind me oooo, I know sabi book and I'm in no way near any expert in this field. grin

In the case of UCAP and GTCo, I think you should leave your UCAP especially since you entered at very good junction.
You may liquidate another stock to enter GTCO.......but not UCAP.

Pls note that this is purely my opinion.

Brilliant
Investment / Re: Nigerian Stock Exchange Market Pick Alerts by ukay2: 2:50pm On Jan 28, 2022
ucvin:
Access bank has tied down my funds. Seems something fishy is going on with ACCESS..It has no business trading at the current price when compared with FBNH, UCAP and ETI. Should i sell off or keep holding? I'm really disappointed.

ACCESS time is coming, don't jump out and regret later

1 Like

Travel / Re: UK Skilled Worker Visa / Health And Care Worker Visa / Qualified Teacher Route by ukay2: 7:34am On Jan 28, 2022
Dee2016:
Visa Alert!!!
Hehehe I've longed to type this since I discovered Nairaland in September 2020 when my husband was waiting for his second canadian visa application which he got a refusal. I was a strong follower of the Canada students thread.
I am from Kenya and I told myself wherever Nigerians are going we will go. That's how we started our journey for UK Student visa which never went far as we didn't have the amount required in bank statement.
My second option was to apply for Skilled visa which actually should have been my 1st option.
I did blind application to companies that were offering sponsorship and I got an offer and a CoS.
Timeline.

Visa Application 12/1/2022
Biometrics 14/1/2022
Tls email 26/1/2022
DHL collection 27/1/2022.
All info was gotten from this thread and less from UKVO.gov website. Truly go through the pages, you won't miss any details.
Thank you Nigerians, we did it!!!

And to the famous quote which I couldn't wait to write
"What God cannot do doesn't exist!"

Congratulations....so sweet

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 6:31am On Jan 26, 2022
Lexusgs430:



Your portfolio is tech heavy....... A crash in tech the industry, your portfolio don enter express ........... wink

I need the crash more than ever grin grin
Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 6:02am On Jan 26, 2022
Lexusgs430:



Some people are very happy....... Cashing out like say 2moro no dey ............. grin

The higher the demand, the higher the price & the happier shareholders we have ........... grin

If one person own no bitter, another one no go sweet ........... cheesy

Am just buying shares in Microsoft, Meta and Google now in tranches

Hopefully, more pull-backs continue

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 6:00am On Jan 26, 2022
Osoderi:
I am not happy here, after putting in all my best in job interview for a PA role in one of the big four accounting firm, i was successful in the first stage I did in Nigeria, the final interview was in uk , I was asked the same questions which I knew I did well, just for me to receive a regret mail that I was unsuccessful, I keep asking my self what went wrong, is it because I don't have UK experience? I put in my best and have years of experience in the role. What went wrong ( feeling so sad). I need advice please.

What can I do to get adminstrative jobs in the UK, honestly I have been applying. I know the job that I can easily get is care work, but I don't really like it. Please I need advice to stand my feet in this UK what best to start doing.

Just need advice to be strong in this UK.

Please if there is anybody living in Northampton kindly let me know, I am really feeling alone here.

Many thanks




Start whatever level and job you are accepted from now.

You will definitely keep moving as time goes on until you reach the peak of whatever you want to be in the future.

Sometimes things happen, but in retrospect, you will thank God for EVERYTHING.

Cheers!
Investment / Re: Nigerian Stock Exchange Market Pick Alerts by ukay2: 11:42am On Jan 25, 2022
ositadima1:


Yes nah, but once d USA ups it's interests rates Nigeria will be forced to react, most likely by increasing theirs above the current inflation rates or suffer massive outflows of funds (Dollars, Pounds, Euros etc).

People like me, "the locals",will happily liquidate many stock positions for 16 to 18% returns that bonds and treasury bills will offer. Why not, I am already sitting on profits.

Next thing you will hear is that Zenith fell bellow 20 Naira, etc. cry


I am really waiting for that time...18% yield on FGN bonds

2 Likes

Investment / Re: Us Stocks Pick Alert by ukay2: 4:10am On Jan 25, 2022
oshdot:
Wheeew.... it's so hard to find value play in the current market conditions, but then the following stocks are definitely looking like a bargain if you are an investor with long term horizon:

1. Disney, DIS
2. Mercadolibre, MELI
3. PayPal, PYPL
4. Corsair Gaming, CRSR
5. Alibaba, BABA

Remember, time spent in the market always beats time spent timing the market. So if you are in for long term, the above listed stocks are trading at great prices.


NB: The above is my personal opinion, not investment advice.


are they dividend paying stocks?

1 Like

Investment / Re: Us Stocks Pick Alert by ukay2: 4:10am On Jan 25, 2022
oshdot:
Wheeew.... it's so hard to find value play in the current market conditions, but then the following stocks are definitely looking like a bargain if you are an investor with long term horizon:

1. Disney, DIS
2. Mercadolibre, MELI
3. PayPal, PYPL
4. Corsair Gaming, CRSR
5. Alibaba, BABA

Remember, time spent in the market always beats time spent timing the market. So if you are in for long term, the above listed stocks are trading at great prices.

are they dividend paying stocks?
NB: The above is my personal opinion, not investment advice.

Investment / Re: Treasury Bills In Nigeria by ukay2: 4:07am On Jan 25, 2022
emmanuelewumi:



You should be smart enough to understand sarcasm.

grin grin grin
Investment / Re: Nigerian Stock Exchange Market Pick Alerts by ukay2: 4:04am On Jan 25, 2022
Mpeace:
Hmmm. But the foreign investors have left naija naaa. Y should we worry too much?

Na locals get the NSE now.....make we de manage am grin grin

1 Like

Investment / Re: Nigerian Stock Exchange Market Pick Alerts by ukay2: 4:03am On Jan 25, 2022
ositadima1:


Not all of them.

USA is planning on increasing interest rates in order to fight inflation which is currently around 6%.

Then, Nigeria is most likely to also increase in response. Money will likely flow from the Capital Market to Government Bonds and Treasury Bills.

https://www.vanguardngr.com/2022/01/nigeria-others-face-tighter-financing-as-us-hikes-rate/amp/

Our own inflation is already at 15.6% grin grin grin

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 3:50am On Jan 25, 2022
Myati:


I used Skipton building society back then but I think you might be better off with moneybox just because you can do more with moneybox.

https://www.moneyboxapp.com/isa/lifetime/cash/


By the way, you can open your Lisa account with as little as £1 just to get it rolling and fund the account when you have your lump sum. This is especially beneficial to those lookin to use a LISA account towards their first home. You need to have opened the Lisa account for a year before you can withdraw the funds.

Modified.. You need to fund it with £4000 before April if you want to get the max government bonus (£1k)this financial year.



very true, i have moved to moneybox from Skipton building society. Also the annual interest from moneybox is better than skipton.

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 11:12pm On Jan 22, 2022
LagosismyHome:


I don't even think that world will exist when we are old.... All of us we better plan our retirement well cool

We should give to our children and not the other way

Careful financial planning and investments with good cash flow as passive income is the way...

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 11:08pm On Jan 22, 2022
TheGuyFromHR:


You're correct, the relief is per contribution.
Each time one pays into a pension, even if its 10 pounds, HMRC tops up the 20%.
And one can have more than one pension.

Yes

But I will rather invest the remaining funds more in my stocks and shares ISA than getting another pension funds apart from the NHS and State pension since l have more years to work. grin grin

2 Likes

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