₦airaland Forum

FreakyNasty642:
Good day ancestors and contributors alike, thanks for always being there for some us newbies.

I have my practical driving test coming up in July, but I recently had a minor accident. At the time of the accident, I didn’t have an L sign displayed, and there was no supervising driver with me.

Given the conditions under which the incident happened, your insurance is invalid. You will settle out of pucket whether you involve your insurance or not. Your insurer will only settle if your provide a supervising driver.

ehizario2012:
I'm really interested in this topic because I've been contemplating stopping my NHS pension. Is paying NI not enough? That extra 8.5% is somehow jare! Many immigrants in my trust have opted out but I'm still unsure 🤔

Sometimes, people don't give the full gist based on context, there was one time someone was advocating opting out, when asked why, he said he needs the money and will join back after three months. Imagine opting out with such person blindly.

If your total pension contribution is £150 for instance, if you opt out, you will only get about £90 back because you will lose the employer contribution and tax relief.

Ask yourself is there something you are not able to do now that is only when you opt out you'll be able to do it?

lavida001:
Kpmg is a tech company? Abi what’s the question you asked the other day ?

Standard chartered bank isa bet 9ja company?

You better brace up for what’s coming?

Are you a messenger of doom? Your posts are always laced with negativity. You're so persimistic about the future that you had to go dig out a post from almost two months ago to drive fear.

Try something new, be positive, you will like it trust me. There are people/companies that will see opportunities in this same issue you're worried about. If you doubt me, share this your news with any AI and ask it to create an opportunity for you to leverage, the outcome will surprise you in a way you don't imagine.

Goodenoch:
To be honest I don’t know why people are taking someone who signs their initials on Nairaland posts seriously 😄

E say na ‘TV’😂 come on nau. TV nìkan kọ́, Television ni

What more proof do you need that posturing on Nairaland and writing those long-winded, pompous but essentially meaningless posts is how they derive satisfaction in life?

Arguing with him and his like will just stress you out for no reason because they clearly just love to hear themselves talk and everything you say will just be seen as an opportunity to bloviate some more.

I suspect the guy is Khumburu that has rebranded. Creating a brand in an anonymous forum. Very funny 😁

terrymason:
Please is anyone here or who can recommend a UI/UX designer currently in the Uk. I got an innovative business plan and I want to try the innovator visa route. Please, let's connect.

Reach out

Goodenoch:
ISA, LISA, SIPP - All set for regular investments every month and auto-purchases of my selected ETF (just one across all three - I have given up trying to pick stocks (PLTR did me good last year but the seesaws aren't good for my emotional wellbeing lol).

I think dollar cost averaging is the best way to do it and not trying to time the market, which with Trump at the help of affairs; is infinitely more difficult to do now anyway.

I will soon join you in this boat, I'm tired of these individual sticks and opening my T212 every 212 minutes. Just waiting for recovery to sell off. I've opened a moneybox balanced fund, let that run itself

Lexusgs430:
10/10 in 3 managed funds

10/10 in 3 self managed portfolio

A bit cryptic.

Would I be correct to interpret it as equal split between the three categories with a mix of self managed portfolio in 3 different categories as well?

Lexusgs430:
Rather than holding funds in cash isa, stocks and shares ISA, offers greater returns (albeit stock market exposure with associated risk factors)..... 🤣😂

Are you doing the cautious, balanced or aggressive or you're managing the investment yourself. I'm in a dilemma.

Memorychip:
"Unwanted" is subjective - if the money is good , they pass a security and health check, why not?

Rwanda smiled to the bank with £700m, that is more than 50% of the budgets some states.

It's a win win for everyone

They are unwanted by these EU countries hence they are being sent out.

Zahra29:
https://www.lbc.co.uk/article/eu-votes-rejected-asylum-seekers-5HjdX54_2/

Germany and a group of European countries are moving ahead with plans to deport rejected asylum seekers to holding centres outside the EU.

These facilities are expected to be located mainly in African countries willing to host asylum seekers who cannot be returned to their home nations.
...

The German-led coalition pushing the “return hubs” has not confirmed which countries will host them, but diplomats are pointing mainly to Africa. Uganda, Mauritania, and Benin are among the nations said to have shown interest.


Unprecedented move by historically "left-wing" EU states. If this gets approved this year by the EU council, it will pile significant pressure on Starmer to reinstate the Rwanda deal or similar - given that "smash the gangs" is not working.

Africa need to sit up. Why is America, Asia or other European countries not been considered as a dumping ground for these lots. This was how slave trade started because the leaders allowed it. If this goes through, a time will come when tales of how Africa was a dumping ground for unwanted people will be told just like tales of slave trade is been told now.

Flyola:
abeg anybody get side hustle wey fit help man? I don pick shifts in care taya and im really getting tired.

make una help me abeg.

My candid advice.

Stop chasing money, give money a chance to chase you. See this care work you are currently doing as the side hustle. Cut down on the shifts and use the spare time to get yourself ready for the main hustle by developing a valuable skill with potential for growth.

Getting paid £20/hr and working 1hr is better than getting paid £10/hr working 2hrs.

Lexusgs430:
Rather than holding funds in cash isa, stocks and shares ISA, offers greater returns (albeit stock market exposure with associated risk factors)..... 🤣😂

I will move to stocks and shares from the next financial year. I have exhausted my limit for this year.

Goodenoch:
If you don’t mind, could you please share the specific products/funds with those two? Thank you

Money market fund. It's same as mutual fund

Lexusgs430:
Our people have been gullible in believing they could make £20,000 per via digital marketing......

They have been ranting about it for almost 5 days now and still ranting........ 🤣😊😂

With the evidence they present during their live sessions showing how much they make, I almost believed them until one victim confessed that she was told to pay extra for a graphic designer to help her customise her dashboard to add huge money so that she can come online and sell with the customised dashboard as testimony.

Selling a course is not the problem, but using false evidence as testimony of success is criminal.

Lexusgs430:
Cowry - Exchange currency a while ago
Wise - Making wise decisions with your cowry's.

Cowrywise.........

Just checked my dashboard, I don't think CW does TB.....

For TB, I use Trove & Afriinvestor 2.0..... (hope you like this names)...... 😍😂😍

😂😂😂

I just opened with Stanbic IBTC and ARM. After acclimatizing to the ridiculously low returns in the UK, the returns in Nigeria now seems exorbitant. If not for currency fluctuation, at 17 - 20% one is tempted to move his portfolio to Nigeria rather than have them sit in cash ISA for a marginal 3.5%

Lexusgs430:
You can also explore cowrywise or SFS funds, if you strictly want to concentrate on mutual funds...........

I will invest in treasury bills and other asset classes as well. The cowrywise name scares me. It does not sound serious.

bigtt76:
True that. The ARM MMF gives close to 20-22% pa, they credit you daily (do your due diligence though). Good thing with it is that you have access to your funds at anytime (though when you first start, you must leave it in there for 90 days, subsequently, you can withdraw).

Do you have referral code or anyone else? I want to open an account with them.

jedisco:
In times like this, it's difficult to challenge certain narratives. Lets not miss the forest for the trees.

Most of the economic growth that the world would see in the coming decades would likely be outside the West.

If not for the snippet you quoted, I don't read that guy's post because I see him like someone practicing writing and just needs an audience. The other time he gave a timeline for youths to leave Nigeria otherwise they'll become useless to humanity.

That same place we say is not good is where others are making it big. The problem now is people seems to be aligning with his opinion.

I have been getting feedback about my 4yr old in reception. I was told today that a yellow card has been issued. Laughs and plays at will even when told to sit and listen. Disobedience kind of thing generally.

At home I punish him to get him to behave.

How do I get him to behave in school?

Zahra29:
Blimey....former Home Sec Suella defects to Reform....

Meanwhile over in Labour, Starmer fighting off various impending coups....

Could this be due to change in ideology or folks just leaving the party for Kemi.

It's also possible that her supposed downfall and replacement is not as eminent as many thought or desired.

For me, the takeaway is for those that do not invest but rather keep cash in the bank, your ₦147,050 of six years ago is now worth ₦25,225.

Start investing in the stock market or money market. Other investments options are properties and precious jewels that appreciate in value.

missjekyll:
Hello, mould needs investigation by the Landlord. Dont let them fob it off on you. Its not your fault. They cant also punish you for raising the issue.

Remember, only you or a court can end a tenancy. A section 21 by the landlord is only a polite request by the landlord. You can stay past the date so long as you continue paying rent till the court tells you to pack out.

You have new rights as a renter in the UK since october 2025. Feast your eyes upon your shiny new rights. This is the difference that a Labour government makes.
This is what shelter says about your new rights
https://england.shelter.org.uk/support_us/campaigns/renting/renters_rights_act

Lifestyle can cause mould especially during winter and there is nothing the landlord can do to change that. That is why many times when you rent or buy, there is a pack dedicated for mould control.
If the issue is due to moisture inside the house, you just need to continue to control it.

Noworries11:
My people
Please how do i keep the house a mould free home.
I used the plastic container thing but it seems not working as the mould increases by the day plus I have got kids.
A colleague mentioned electric humidifier as the only alternative. Please how true is this? Are there specific brand?
Please those who had fought battles with mould and won, please can you advise.
Many thanks

- Always open windows
- Use electric dehumidifier possibly every night. You can get any from amazon
- Continue to control the moulds with mould spray till summer when you start opening windows

Those are the options

HustlaOfLagos:
Side note, if you know you do not fit into the riff raff description, e no suppose affect or pain you naw afterall our people say -->


"An old woman is always uneasy when dry bones are mentioned"

The time to act is when the shadow of desecration falls upon a community that is not your own, not when the storm of chaos finally breaks down your door.

E no concern us, na north dem de, Boko haram don dey concern everybody small small.

The importance of proactive intervention and solidarity cannot be overemphasized.

Goke7:
Bro, there are riff raffs too in Canada, in fact, dem plenty from the agents who sold visitor visas to thousands of people and told them to declare asylum on arrival, those who got student visas and never attended school to declare asylum, to even pastors who bribed police in Nigeria to declare them wanted for asylum claims in canada, in fact right now I heard over 30,000 who are to be deported officially are missing inside canada so there are mad people everywhere as far as humans are involved. Just like the UK, Canada opened the floodgates and welcomed all manner of people; in fact, if you think London is overrun with immigrants, just go to Toronto, and you'll think you're in an Asian country. It's what it is

Even right now, some have been exposed to doing the business of birth tourism for people and also telling people inside Canada who are waiting for PR to use that route, so everywhere blur bro.

I like how you humbled that uninformed fellow with this enlightenment

Zahra29:
It requires an Act of Parliament to make these changes which isn't simple, quick or even guaranteed as it would also need to pass votes in both houses. The proposal is contentious because it would create a 2-tier citizenship framework and many would argue that it is unjust to deny settled/British citizens from access to welfare. Also it would be difficult to implement in practice - would the government allow British children to go destitute or hungry because they and their parents are in the "2nd tier of citizenship" that doesn't allow access to benefits?

Anyways, by the time the law is passed,(if it passes), a large proportion of the Boriswave would have achieved ILR under the old model and would have access to benefits - which would render the whole exercise largely pointless.

Valid points, I won't support citizenship tiers either. But I'm reading now that part of the proposal is to remove public funds for ILR holders and reserve for citizens only.

Raalsalghul:
Let me just state this here for the sake of posterity. Anybody on this group that thinks they should just accept the new terms (whether 10/15 years) and continue living your life, be ready to accept that you are not going to get that ILR. The goal post will continue to shift until it is out of your reach and impossible for you to attain.

The above is for those that think they can wing through it and continue living life.

So, all those money saved for mortgage deposit start redirecting it towards other endeavours and stop investing on British soil. Your visa fees and taxes are enough

They may change everything to rolling visas with no time to ILR. ILR will be on demand subject to certain requirements

HustlaOfLagos:


I remember when Justwise used to blame all and sundry for speaking about healthcare visas and saying Nigerians can switch to whatever career they want after 5 years even though the signs were there that the gov would soon start to target that sector.

I wonder if he still shares the same sentiment

I was among those that said this and no regrets.

Those in that route did not get there by choice, they did because it was the available option (sentiments aside, show me one person that his/her ambition in life was to leave Nigeria to do care work in UK). Saying they should bear for 5yrs and switch career after is to keep hope alive and save some from depression.

Do you really think there's someone that had a chance to switch visas but stayed because one person said 5yrs is not far?

Even the 15yrs now, some will change route, some will move to another country. For those that will remain, we will continue to give them hope.

If access to public fund/benefit is the problem, can the govt. just enact a policy to say no recourse to public funds for people that'll get ILR/citizenship by naturalization from 2025.

The freedom and liberty that comes with ILR/citizenship far outweigh the public funds.

And to be honest, this seems to be their subtle goal because they left higher rate tax payers in 5yrs knowing they will not qualify for most of the public funds.

When they say the immigrants must not be in debt to qualify, hope they are only referring to mortgage and car loan debt, not credit card or business debt.

Justwise's hatred for Trump always cloud his judgement in issues that concern Trump or America. Saying Nigerians are being killed by militants when even the deaf and blind knows that Boko Haram terrorists are behind the killings.

After being called out, went on to say they can be referred to as militants. Twisting narratives because of disdain for Trump.

Preshyi:
Hello everyone,
Please is it possible for someone that has a valid UK and US visa to come to first come to the UK from Nigeria and then travel to the US from UK. I am aware a return ticket is required for visitors visa's so not sure how to navigate this. Any suggestions will be helpful. Thanks

On the day of travel, if you are denied boarding even with evidence of onward journey, you can book a return ticket (via booking.com, they have a 24hr full refund cancellation policy), on getting to UK, cancel the return ticket.