₦airaland Forum

Cassan:
Good morning house. I have been reading up on credit scores and how to build them. Mine is currently 723 on Experian and I have been here for a year. Never took interest until now (terrible mistake). I want to take a credit card but I am only eligible for a £1,000 Zilch Virtual Mastercard at 29.99ARP.
I am very financially disciplined but would like to know the pros and cons of taking this card please.
Thank you.

No problem with the card....just pay back via direct debits any amount you use each month. I use less than 20% of my credits monthly.

unite4real:
When BUAFOOD listed in January last year (2022). Their market capitalization started on N720B.

20 months down the line and it's N3.24T

Present capitalization for dangote sugar and NASCON is N856B. Bt the time you add rice, it should be a lover N1T trillion naira as of now.

Anything God cannot do does not exist.

So, yes BUAFOOD can be challenged by DANGOTEFOOD especially if dangote deployed the BUA strategy of pumping the price while reducing the float to stay at over 40B naira float value requirement. This should favour the die hard holders that will never want to sell until it touches N200

You sabi this game well well....

l missed BUA at the N40 listing price due to my analysis paralysis. Such mistake will never happen to me again moving from Dangote Sugar into Dangote Foods...

Generational wealth is about to be made...no mistakes again

ALHAJI DANGOTE has been making shareholders smile since 1745

currentprice:
from my bedsheet, it look like this year is not a year to sell your stock. FEBRUARY may be the next best time to

watch out

The BANKS are warming up for BRILLIANT RESULTS soon...STANBIC IBTC has released their brilliant result

We expect others to do so

bigtt76:
That is the real deal bro!! If you see how I de throway face wen youkay people de flaunt deals upon deals .....shei na deal I find come youkay ni? I can't be earning £100 per week and be spending £90 on deals

Chop life a beg oo

Estroller:
1. Your affordability is the most important thing, if you've ran the numbers and it stack up wrt affordability, I'll say you can go ahead with the purchase. Timing the market is difficult if not impossible to achieve. Like the popular saying, the best time to buy was yesterday, the next best time is today.

2. Your post suggests you are buying an old build, so I'll say get a valuation report added to your survey. It will cost a few hundred pounds more, but it will be worth it. You can then use the figure from your valuation report as a guide on what to offer. You can also check price of similar properties in that area. The state of the property as revealed by the home survey can also be used as a guide on what to offer. All the best with your purchase.

Very well said....

bigtt76:
Exactly. Only for the strong hearted like oga Lexusgs430 I make sure I pay up in full, I'm not a fan of the pay part of the balance each month ....mba That's me though, make den nor come drag me

I have only 1 credit card.....no strength for multiple cards...

rmx:
I tell you , All my 550k units was snapped up in less than 2 mins . Make other people chop too . I don comot this market

Thanks customstreet

So your stomach is full

We still dey FRONT sits with ALIKO

tshoboy:
I did and also called the bank directly. The underwriters did not add a reason. My mortgage advisors have emailed them and fingers crossed for their response. Valuation, source of income and affordability all checks out. So it was really weird.
The problem now is that there are no other lenders asides Barclays that accept 10% while you are on a visa 😢. Really disappointing.

If anyone knows any other lender, please let me know.

This would have been quite distressing to you.
I know Halifax gives with family income upto £100K.
Speak to your Mortgage advisor to shop around again for you. Definitely you will get soon .

tshoboy:
Has anyone had a mortgage rejected before and the bank didn’t give a reason?

I think you should ask for the reason for the rejection from your mortgage advisor

currentprice:
lol see questions oo,, bad thing i learn from Agba one stock investor, reason i dont rush to stock o i take my time to buy stock. this way grow cash faster sha but u got to be careful.. it not for the faint hearted investor

NB: I owns 3 stock this time with DS be the highest percentage not everyone like Alhaji sha

Alhaji Dangote has been making me smile daily from Dangote Flour to Dangote Sugar to Dangote Cement

Waiting for Dangote Foods and Dangote Petrochemical Refinery

currentprice:
Ekuu enjoyment Dangote sugar

Absolutely true Boss....you're always spot on...

Analysis paralysis made me miss out on BUA FOODS at N35.....

l am with DANGOTE FOODS till FOREVER

yMcy56:
Now @44........full bid...

The volume is much!
Lots of cross deals........maybe from institutional investors as well....
Insiders must be privy to some info possibly.....

FOLLOW the MONEY

Follow Alhaji Dangote.....you will never go wrong

Look at COPART plc shares numbers...Good company for longterm investment

Schoolhike:
Haa, Oga Santa,

I don’t like debt that involves additional expenses as a result of instalment,

Was seeing cars at 5-10k range and taking up finance with instalment will accrue additional thousands of pounds over the years, prefer one off, or insatllment without interest even if it’s for 3 months I don’t mind.

I paid my insurance one off because I noticed that additional 220£ will be added if paid in 12 instalment,

If you know you know

GuyfromHR......its been awhile you commented here.

l do hope you're fine Sir?

Estroller:
Appreciation post!!!

Special appreciation to all that have taken their time to freely share their experience with others on this platform, this has helped many myself inclusive in settling down and subsequently growing in the UK. A journey that would naturally have been a difficult one was greatly eased by your selflessness and desire in seeing others succeed in areas where you have in the time past struggled.

My modest growth in the few years I've lived here can be greatly traced to this platform. I maxed out my ISA allowance for the first time in the last tax year (hopefully 1st of many to come), became a homeowner early last year + a substantial career boost.

I'm echoing what others have said in the past that the wealth of resources available on this platform is unbelievable, underestimate it at your own peril. To those just coming in, it can only get better from here on, take advantage of every resource available here, in the midst of those banters are life changing gems. Wish us all success and growth in this land. May we all eat the good of the land.

I like this....we keep winning 🥇

bigtt76:
You should have gotten it by now. Takes a week at most after they receive it. Did you send it with a paid stamp return envelope that you can track? I always advise folks to do this sha.... for both sending and receiving.

Exactly....

tshoboy:
Even when you use as satnav and you need to check the route.

l have Garmin satnav, l don't use phone for satnav

Lexusgs430:
Famous last words....... Till you touch your phone......

3 days later...... You receive a brown envelope......... 😜🤣

I no dey touch ooo

No temptation go make me touch.....

Lexusgs430:
Be careful driving out there ...... AI cameras, might be watching you..........


https://www-bbc-com.cdn.ampproject.org/v/s/www.bbc.com/news/uk-england-cornwall-66508840.amp?amp_gsa=1&amp_js_v=a9&usqp=mq331AQGsAEggAID#amp_tf=From%20%251%24s&aoh=16922577103955&csi=0&referrer=https%3A%2F%2Fwww.google.com&ampshare=https%3A%2F%2Fwww.bbc.com%2Fnews%2Fuk-england-cornwall-66508840

Always obey the driving safety rule and you will not mind any camera....

Wristler:
Please, I need more information on building insurance.
Is it better to take one, or allow the lenders do so?
What insurance companies are the best?
What covers do the insurance provide?

Thank you in advance

l will prefer shopping my own insurance than allowing the lender to give me one.

l am going with my car insurance company (Admiral) for Building + Content insurance, their quote was cheaper than what l got in the compare the market quotes. This is because l already have a car insurance policy with them, so adding another policy is cheaper.

hayesconcept:
Rain fell on dat day and fell d fence blocking the way to the bin box, so I dropped d waste beside d waste bin…very small waste ooo, now deh re putting everything on my head.

Small kitchen waste tied in a black nylon, but deh opened it and a paper dat they used to deliver goods for me and held on to that.

Ooh dear...

Just explain to them and wishes you favourable outcome

sgtponzihater1:
Bearish market 2nd week running. I love the stock market and I love the uncertainty it brings. At the end all will be alright

Buying opportunities for high quality stocks...

Streetinvestor2:
Is bua food bigger than the combination of Dangote 3 companies. The capitalization of bua food is being manipulated by rabiu as he controls very high percentage of the company shares What is bua production capacity and the percentage of market share in that sector. I know alhaji has highest capacity for sugar/market share in nigeria. I don't know about salt and rice

You won't go wrong with Dangote....no need to explain too much

davide470:
As an ex-investment banker, I will tell you that it is just a catchy advert.

1. Earn up to 8.09% - no guarantee that it will be up to 8.09%. It is not a fixed rate and it is subject to prevailing market conditions (US interest rate is currently 5.5%)
2. Interest is gross - subtract tax, management & interest fees, net interest rate might be 4% -5% or lower

If you know you know...

heroshark:
Egbons in the house.

Please has anyone invested in Gtbank Dollar fund? According the advert they offers over 8% interest rate. That's far better than you can get in any UK bank, it can even out perform S&S ISA.

The fact that it is dollar dominated mean offers additional protection to the naira rollercoaster madness.

It said upto 8%...not 8%

You know there's annual maintenance fee of $10 for Domiciliary accounts in Nigeria?

What lf CBN seize all funds dollar accounts in Nigeria and force everyone to withdraw naira equivalents?

Always think of RISK MANAGEMENT in all investments

hayesconcept:
Here is it

Hmmm

Respond yo them as requested please

How come your waste was found on the highway? No waste bin in your accommodation? Why not shred the documents before putting in the bins? I am just asking please

Adebayo82:
Please, I want to send the documents to Nigeria from UK, is it possible through royal mail or DHL? As we all knew Nigeria home address is not appropriate. I need the best parcels delivery channels that can take it to house address.

DHL

igbsam:
I totally agree with this statement. I called someone to come hang my 65" tv. The guy dey charge me £60.....60 kini, na so i enter Facebook market, find £10 correct cordless drill, enter wilko bought the kits and tv hanger. I tell madam to prepare pounded yam in the morning for strength. By afternoon we're already charged up. Na so i begin DIY work. Brethren, me and madam lift the tv up after i don connect all the hangers and all. I do my thing myself and i was very pleased and proud. Next stop wey i dey plan na to install wallpapers myself and do some paintings. This Uk will teach you skills.

Painting and wall papers are my next step soon

customstreet:
I learnt that It would be concluded before the end of third quarter.

But I will advise you set December as your holding period

Similarly, I also learnt that Dangotesugar would be the coy that would metarmopised to DangoteFood where holder of Nascon would swap 11 of their shares for 10 of Dangotesugar and also holder of Rice would also swap their holding with Dangotesugar

This is not 100% confirmed but may be near the truth.

Thank you for sharing this information