₦airaland Forum

Lexusgs430:
That family friend is a gambler and requires rehab......... Who does that....... 🤣😳

Funds you put on the stock market, must be with a long term view....... Even when stocks are under preforming, it's still a floating loss (until you sell a losing position or firm goes belly up).........

I held Transcorp Nigeria plc shares for 15 years from N7 and l averaged down to N1.4 until this year when Otedola came and helped me moved the share price to N3.12 to N3.15 where sold the shares currently.

Newbie123:
Please after registrating for a provisional license, what's next?

I've read here about an App you pay for to start studying for the theory test but don't know what it's called again.

Advice needed please 🙏🏽

I used Theory Test Pro app about 2 years ago and it was helpful

gergemam:
Daddy wa....

Please can you explain why I buy a Tesla and I won't pay Road Tax?

And Toyota Aygo.. what if I buy a Benz or Range-Rover Autobiography 😉😉😉😁

No road tax for FULL ELECTRIC cars

Chreze:
All I can say is this, from the good and the bad, learn from it, and share your experience with others in a way they can learn from it too and make a better decision.

Going to any country as a student might mean going down the food chain. You have to fight your way up. Sometimes even with your previous experiences, you may still face the “you don’t have this location experience” problems.

Someone shared a road map of immigrants/immigrating. Can’t remember who, but it was some weeks ago, how people see UK from different lenses based on number of years lived in the country. It’s funny but very true. Traveling abroad is not so easy, especially when you realize those easy/good stories are not all true.

At this minute, the only reason I can advise anyone to go abroad will be on work sponsored visas (not care because they offer free sponsorships), but sponsorship from a profession you are passionate about (professional or building a career in -which could be care).

If you are not coming sponsored, then be prepared for anything including rejections and starting from the bottom of the food chain. Learn from people’s experience and build a good mindset for yourself. Your mind need to be strong to withstand difficult circumstances/situations. But the mindset built on your own is not the same as the one you copy. It is stronger and has more faith.

In our Nigerian lingo: Everyone go de alright las las. Just believe and keep putting in the work. It will surely payoff.

Very apt.

I shared the different phases of Japaa experience here some weeks ago.

My wife and l came on work visa and both of us are doing the same work and same levels we were in Nigeria as both university lecturer and medical doctor respectively.

I understand the students route is not easy for the students and their dependents, but they should not give up.

Things always get better if we do not give up......we should all keep pushing to go up the food chain as TIME passes.

It's for us to keep working towards where we want to be.....nothing is impossible to whosoever that believes....

Solumtoya:
The job market is also similar.

I have an Indian friend who was a Banker back home, his wife who is also a Banker had the opportunity to be transferred to the UK on a Tier 2 visa. Same time, coincidentally, they got their Canada kini. Of course, they rushed to Canada. After staying for a month and meeting other Bankers who had moved before them and informed them that it was difficult to get a job at similar level in their home Country without the mighty "Canadian Experience" in industries outside Health and Techie Tech; plus the weather was so so bad, it was boring, etc etc, they quietly accepted the offer of the wife and moved to the UK. The Husband got a £50k+ job in a month, and in less than a year, got another of £60k+... He has his Canadian PR but never returned till date.

My wife's friend visited from Canada and couldn't believe how cheap things are in UK.

Canada... UK... Will always be pros and cons with both sides equalling out but Nigerians will always complain sha

The UK/Nigerian comparison is the funny one and typically done by folks who have not lived in both Countries in the past few years. Those who have lived in Naija, earning well and moved to this place know the CLEAR difference.

No need to talk too much my bro

UK has been so good for me and my family despite us well settled in Nigeria before moving to UK some few years ago....Ever grateful to the UK because of the opportunities my wife and l found here and children are happy too.

eniola1010:
We wey come dey cross road even when light never green for pedestrian nkan?

You're endangering yourself and other road users....you may be charged to court if the driver has dash camera to prove you walked against the traffic lights advise.

Viruses:
There is camera.
I abide by this rule as well but the light didn't change till I was almost crossing.

I just read online now that there is a one second delay before the camera flashes. If that is true, then I should be fine because my front wheels crossed the line on amber but not sure of the back.

You should be fine if that's the case....meaning you crossed on Amber colour

Viruses:
Do humans review the camera or it is automated from capture to penalty. Something tells me if someone reviews it I will be forgiven.

It depends if there's red light camera at the junction.

Wait for 2 weeks to see if you will get letter....palpitations period for any brown envelopes.

You may likely escape this scenario. Reflect on it and don't break the red light signs.

The rule for me is from far distance, check the traffic lights and if green has been for a long time before l reach the junction, I reduce speed as l am approaching, knowing that it will soon change to Amber to red.

Lexusgs430:
Why people cannot just buy Palm oil, sold in the UK ..... Is a reasoning, I fail to understand....... Is it due to cost ......

The thing tired me....

I don't like headaches

Lexusgs430:
The day you're out of zone and she locks herself out .........

How would she get in ..........😭😂


My neighbour has had our spare key for over 20 years....... When we changed our front door (we updated their key)...... Key 🗝️ is life ......

Likewise we have theirs....... It's saved us many times, over the years ........🤣😭

Thank you.

I will think about it.

Lexusgs430:
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During investigation, one could be charged with been an accomplice.........

So silence is not always GOLDEN....... 😂

All parents can do is plant a seed and offer guidance...... The environment might MAKE or MAR ......

I have told my children, I would not think twice about grassing them or kicking them out ........ They know the rules/barriers.......

Live within or without (your choice).......

Very apt

Lexusgs430:
Simply give your neighbour a spare key ....... Is always the best option ........

Be friends with your neighbours....... Don't be a SNOB ........🤣😜

I no fit try am oo....

I and my wife get keys separately to avoidthis kind of thing.

Meogom:
So I got a response from the police and was given one of three options
1) Attend a Speed awareness course
2) Fixed penalty charge
3) Going to magistrate court
Abeg which option is the best o. From my little research, looks like option 1 is the best as there will be no points deduction. But I thought I should still sample the opinion of the elders in the house. Thanks

Option 1

Maintain speed limits all the time,otherwise, no more speed awareness course for you.

Its either points or fine or court or combinations

eniola1010:
Abeg wetin lead to this talk. Cus i no dey use ear hear get some back later

It's about self assessment and refunds by HMRC

gergemam:
Person fit apply for Tax return and get small back later nah?

Yes

Lexusgs430:
PAYE - Pay As you Earn - Direct deduction from employee, to taxman

NI Contribution - NHS + State pension contributions etc etc (Also directly deducted from employee)......

If you add private pension deductions - You go get migraine b dat .......😂😭🤣

NB : At least child support, attachment of earnings or court deductions, no dey inside.......,😂😭

Use the remaining salary, prepare for same deductions next month...... Rinse and repeat......🤣

It's better his having direct deductions from employer than to pay them later

COPIED.....


The three phases of Japa/Moving abroad.

I have lived abroad for a number of years now and I have come to understand that there are typically three phases that defines the Japa experience.

1. The lag phase (0 - 2 years)

The newbie phase is where most people question their why for moving abroad. The initial struggle to secure a job. The apprehension of not getting a good job particularly if you sold off your properties to move abroad, are the befuddling realities of this phase. In this phase, many ask questions and make videos or write stories that suggest abroad is tough and unwinnable. Those on student visas grappling with the hustle of 20 hours shift seldom push this narrative, while they grind on minimal wage with hopes of securing a work visa in the mid-term. Those that left Nigeria on Residence class visas in this phase are equally culpable, as they allow the saddle of not securing a professional job trigger an imposter syndrome that taints their perception and vocalization on japa.

My experience has taught me that this phase is transient. Many that make videos painting japa in gloomy terms are typically juggling this phase. For some the lag phase may stretch for longer depending on the country, available opportunities, their visa class and the wealth and quality of information at their disposal. For others this phase typically last for less than a year. Realities differ. It is imperative that whatever sound bite about japa you get, ensure it is coming from someone who has exited this phase.

2. The steady phase (3 - 6 years)

This is the phase where people land their first professional job. Move up in visa class. Earn more than the minimum wage and have liquidated most of their personal debts. They can afford the little luxury of regular travel to a few nearby countries. They have more savings. Live in better houses and can afford to upgrade their cars. Those with Residence class visas are more settled in this phase. They have secured their first professional job or even changed jobs that earns then their first six-figure salary in a Fortune 100 or 500 company. Abroadians or Japarians at this phase have a re-purposed definition of abroad. They are more oriented to think big picture. Less inclined to make videos that cast a gloomy portraiture of the state of nature overseas. Those that sold their properties to move abroad are now slowly recouping their 'investments'. This phase is essentially the stability phase and defines the next phase of the abroad experience.

There is however no clear timeline for how long people stay in this phase or step into it. Getting a good job is usually the first sign. It is profitable to listen to people at this phase but ensure they are the ones that have shown working and have walked the talk. That is individuals that have successfully hacked how to win professionally in the abroad and are willing to share from the repository of their experience and wisdom. Most people that move abroad, secure a job and stay without a criminal record, would eventually and inevitably get to this phase. Some land here and stay in perpetuity. It all depends on individual choice.

3. The acceleration phase (7 years and above)

This is the cruise control phase of staying in the abroad. Those in these phase understand that abroad is broad. It is the phase of earning well in six figures. Professionals at this stage are now Directors, Senior Executives or Partners in top firms. A few have started their own companies and are now employers of labour. They have secured their citizenship at this stage and can flex travel with ease. Many that sold their properties in the lag phase have now bought better properties in choice places in Nigeria and elsewhere. Owning a property abroad in this phase is easy flex. Infact many have few properties on rentals. Professionals here have a different story of what abroad is. They are not fazed by IG or FB stories of some abroad newbies. They have come, seen and conquered.

There is however no timeline for this phase and reality may differ depending on individual experience and destiny.

The kernel of this post is that often the portraiture of japa as an experimental reality is skewed. Abroad or Japa is mostly what you make out of it. Arming yourself with the right information and people is often the most important and basic step. Having the doggedness to navigate the lag phase to the acceleration phase would mostly depend on you.

In the end, abroad is broad and Japa is part travel and part determination.

habhidhemhii:
Hi everyone,

So quick one. Landlord issued a notice two months ago for a friend to leave their property at the end of the six months initial tenancy. No reasons given.

The letter issued bore a date 7 days after the normal rent payment. Say rent is due on the 10th, the letter said they have to leave on the 16th.

So, their new place will be ready on the 17th and they called the letting agency to inform them of what they can do about staying a day more. The agency then stated that they'll have to pay for the 7 days extra. Okay, my friend said they'd just leave on the previous date as the letter stated. But the agency still said they'd normally have to pay for the six days extra which was mentioned on the letter as their last date.

NB: the letter never mentioned that they would expect any form of payment for those six days.

My friend assumed that was just a free window for them to move out. Meanwhile, they found other properties that would have allowed them to move in earlier but they decided to wait cos they assumed they had to see their current tenancy through and probably wouldn't get a refund if they left earlier.

Very weird situation and they're sad about it.

Na all these kind things de make oga Lexusgs430 de talk to have your own house mortgage

bukonlami:
Please do quick and pass so you will help me,will be in Leicester soon.

Viruses:
Lol

The issue was for a third exit, I entered through the right lane and moved to the left lane after the first exit instead of after the first and second exit.

Now you have learnt, practice more and your confidence will increase more. You will pass next time.
Relax

Viruses:
I failed driving test. Clearance and roundabout was the issue.

Now I know my instructor has not been doing a good job, youtube try pass am seff.

If there's someone in Leicester that can sit with me in my car please holla. I just need more practice in roundabouts.

Sorry oo

Practice more and watch yutube videos on driving lessons

Lexusgs430:
If you have a transaction of £200 per month, to the person you're inviting..........

That £200 pcm, stops whilst the person is with you ....... I say again, it's all about the approach........

I invited my parents and in-laws, with less than £100 end balance....... And none of them ever got rejected.......

So I say again.........🤑😁🤣😜

You wey be ancestor for UK 🇬🇧

rinzylee:
I no get CC sef. That thing still dey fear me.

Why e de fear you?

Lexusgs430:
Nah crime to dey collect money from plenty sources (at retirement age)......🤑

No...

Estroller:
No, your SIPP can be a standalone portfolio. See it like your S&S ISA but with a benefit of a tax rebate at your marginal tax rate as highlighted by jedisco and lexusgs430. It has no flexibility like your s&s Isa though, as the standard pension rules wrt withdrawal applies, and the income you'll draw from it outside the 25% lump sum will also be subject to tax at whatever rate you pay your income tax.

Thank you.

The benefits from NHS pension is more than the SIPP in long-term. Prefers additional contributions to the NHS pension

Lexusgs430:
Una no wan spend una money, during una working life. ..........

If we no see retirement age nko ........😜😢😭

I de spend my money de enjoy life jare ....through FREE CASH FLOW from investments

Estroller:
Salary sacrifice? Opting to increase the % deducted from source 🤔

No mind Lexusgs430

Lexusgs430:
How do you intend to achieve this .......😁

Your NHS pension contributions, are deducted from source (at a set %)......

You too like money ........😁

You know its possible

Lexusgs430:
You don't have to move your pension contribution over, to a SIPP.......

A SIPP can stand alone, whilst you decide the destiny of your investment...... Claiming 25% from HMRC, on each contribution.....😜

You pay £9.99 each month, even if you put only £100 per month, you are still quids up .....😁

thank you.

Thinking of doing additional contributions into the NHS pension instead of opening SIPP

then open another S&S ISA for my wife

happy with the dividends l am getting from my S&S ISA NYSE stocks using my freetrade and trading 212 accounts

jedisco:
A SIPP is also a good investment vehicle. Yes, you'd have to wait but it's highly tax efficient. You get 20% tax relief initially. And if you're a higher or additional rate payer, you can claim an extra 20 or 25% respectively.
For a higher rate payer, youre effectively putting £12 to get £20 which is then invested.

For S&S ISA, what are you invested in - stocks, bonds, funds or a mix?

l do NYSE stocks with S&S ISA

I am already on NHS pensions.....won't SIPP want me to take my NHS pension contributions to SIPP?

l am currently happy with the NHS pension contribution

jedisco:
The total ISA allowance is 20k. It's cumulative of all forms of ISA held.
Hence if 4k is put in a LISA, you can only put 16k in a S&S ISA

I am putting the amount l stated in both for the past 3 years...

l will ring HMRC for adjustments next week.....

thanks

tolajay:
You too like money matters

Still into Tbills and property in Nigeria?

Just to highlight: The 4K LISA benchmark is part of the 20K ISA allowance every tax year. So, once you've saved 4k in LISA, you'll only be allowed 16K more across other ISA products.

I de everywhere oga mi....