Please I want to add my middle name to my passport and I want to ask if I can do that in London passport office or I have to travel back to Abuja passport office to do that?

Good to be here

Liposure:
you did justice

Thanks �

Achicha Ede and fio fio garnished with ukpaka

fatima04:


If one has that amount to pay someone informally, I believe a nursery is better with proper structure and feeding included for cheaper or similar amount

Hello dear, I sent you a private message, I want to discuss something with you

Good evening my people

Is it possible for a child to be offered admission in reception by council, only for the school to say that they are full at the start of the school when the admission has been offered and accepted?
Because I don't understand again.

chrisj2:


Men? How did that question become a men (negative thing)? It was a throwaway comment that meant very little...

In this particular case, the man did not really want to destroy his marriage or want to leave the family home but he was kicked out; and now he is finding others ways to stay in the country and to continue to see his kids and possibly to reconcile with his missus. This one is not a typical case!

If the situation was reversed; the man cannot even easily kick the woman out even if it was his house and he had spent £'000 bringing the wife and kids and even if pays for most things. Furthermore, the woman might still be able to stay in the country because of th children or perceived believe that the man must have been an Ogre and he was at fault...

Having said the above, if she definitely does not love him and cannot stand him any longer, how is she going to keep up the charade for another 4 years; even if they are separated. Bringing someone abroad just add big dimensions to the dynamics of relationships.

Men probably constitute 90% of those that bring their spouses compared to women - men should be given a lot of credit despite what some women (and some men) might think. Icon is very right to try to provide a balance to what Ralph put out there - that the woman has hussled and the man not been in the country long and complaining on an online forum... If you go to the student section, you will read about men sponsoring or co-sponsoring their spouses to come and study or settle abroad and they go and join them later.

Some of the men even have very good jobs that it is a toss up whether they live their jobs or not... Lastly, when a woman goes back to ring a man to come and join her, do we really think these women marry below themselves - like, they just go to their village and pick a poor man like some of the men do?

Until you hear the 2 honest sides of story then we can conclude but I tell you, no woman will waste their time and effort to bring a man here and decide to throw him out in under 3yrs.

It is either it is forced out of her or she is doing it as a revenge. As if you don't know that marriage is the pride of most Nigerian women, but for a woman to kick the father of her kids out of the house and the man said he has not done anything?. Please tell me another story

Captaincool1:


Women women women. The UK citizens are planning to reduce the rate of divorce and separation Nigerians won increase the rate. So why did she bring you to the UK is it to humiliate you or to better the lives of the children.

That's a question Men don't want to answer honestly

Ticha:
Using our latest family home purchase as an example - we bought a 5 bedroom, 1 bathroom, 1 garage semi-detached in 2017 for £225k. We put down a 15% (£35k)deposit as we were buying as a family home. Interest was 2.18% so monthly payments just under £700pcm.

We then spent £55k (cash reserves) on the renovations. It included taking it back to brick internally, putting new windows (was single glazed), central heating, kitchen, re-wiring, created a 2nd bathroom by splitting the garage, carpeted it throughout. It took 5 weeks because we know people in the industry and also had somewhere else to stay so weren't living in a building site. Remember we have 3 children (they were 3, 1.5 and 1.5 then) so we're a family of 5.

All completed - we had spent £90k cash to include the deposit upfront luckily the money came from the sale of our previous family home. Let's imagine that we did it on a budget we would have needed at least a 10% deposit (£22.5k) and another £15k min for a cosmetic renovation (central heating, double glazing, new bathroom, and kitchen) and if we were living in it then it'd be a room by room reno - taking longer and most likely costing more. That's by the by. Our total expectation was that the value would be at least £300k. As it's now a 5 bedroom, 2 bathroom house. If we had taken a bridging loan for the £55k for 6 weeks, interest wold be around 8%, application fees about £1,500, broker fees around £500.

We then left the UK, asked for consent to let and put it in Airbnb for 1 year and did make quite a substantial amount of money from that because it can sleep upto 12 people. CTL was granted for the duration of the rest of our fixed period so 5 years and we were expressly told at the end of that, we would have to revert to a BTL mortgage. CTL cost £199 and we have to re-apply annually.

In 2019, we broke the fix and refixed it for 2 years at 1.8%. The bank did a valuation and the value came back at £265k. Remember adding all our costs means we need it to be £315k to break even. Anyway refixed and rented it out properly. Tenant was paying £980pcm. Mortgage was now just over £600 a month but a repayment mortgage. Meant we could square away £280 ish a month (agent fees and commission is 10%) Luckily, we're not working in the UK now so no tax but if we were working in the UK then £980 - expenses = whatever is left is liable for tax.
That tenant left Dec 2020 and we spent about £5k tarting it up for the new tenant. New tenant is now paying £1250pcm. The mortgage is still just over £600 pcm and it's repayment.

Now 2021 - we have overpaid that we now owe about £150k on the house. So have equity of about £100k. We are remortaging to refix again and take some money out to buy a house in Glasgow. First and foremost, we have to come off the CTL cos we want to leverage the existing equity. It means higher interest rates however it also means lower payments because we will move to an interest only mortgage.

The house is now valued at £290k 4 years later. We must leave a 25% equity in it and have a 25% deposit for the Glasgow house (Looking at max £80k (£20k deposit). It means we need £75k as deposit for the existing house and £20k for Glasgow. The equity just about covers it. Mainly because it's a cheaper house. Much more cheaper. Then we need solicitors fees, stamp duty (2nd home so 3% of purchase price), survey fees, application fees (all BTLs charge it) and the house must be in walk in condition otherwise we need reno costs so maybe another £5k/6k ish. Our new re-fix is for 5 years at 1.3% and interest only so our payments will around £360 ish a month. Remember the rent is £1250pcm. Then iya Charlie takes her cut re tax.

Now compare that to the very first house we bought in the UK in 2010. 2 bedroom leasehold flat - paid £105k in Bristol. It's now worth almost £300k. When we rented it out in 2012, the tenant was paying £280pcm. The current tenant is paying £650pcm and we've almost paid off that mortgage. 11 years. property is a long game.

Recycling cash out of property is the way to go however it pays to know exactly what you're letting yourself in for. Buy right and hold. Property is a long term game. You buy and sit on it and you make the gains. We haven't had to front up a cash deposit in a long time.

You want to go into property? Ignore all those property gurus on YouTube.
Do not pay for any training courses! Join a PIN (Property Investor Network) group in your area - they usually meet monthly and network.
Join Property Tribes.
There are some useful UK property groups on FB.
Get clued up on financing property.
Find a very good broker and lastly, have a source of income no matter how little.

Property goes through lean and good times. In 2015, 2 of ours were empty at the same time, one with extensive pet damage. It's also incredibly hard to remove a tenant. You have to go through the courts and in the meantime, they can stop paying rent. It currently takes at least 14 months to remove a tenant through the court system.

But it is by far the best investments we have done. So my advice? Do it but with eyes wide open.

Saving this

Please an important question.

Who deep clean a place when the tenant leaves? Is the tenant or the landlord?
Please I need to know.

Plantain and vegetables garnish with Ukpaka to the rescue

monchat:


I have done NVQ , still in the same level. Pls does nurses collect more that £3000 as take home

Let me laugh ������ first.....
NHS Band 5 nurse take home is £1600-£1700 with enhancements it might reach £2000.

Mariangeles:


Your akara is very beautiful. ❤

Thanks

LordReed:


How do you get the akara to puff up?

After blending the beans, I used a hand mixer to whisk it until it becomes lighter and fluffy . This step replaces the turning with mortar that street vendors do.

Your Saturday Akara is ready oooo

mostthankful:
Thank you, sir.

I understand this to mean it's possible for the family to travel over together, relocating at the same time, if they file their documents in 'one hit'. Correct?

If I realize that the marriage certificate that we have might not be acceptable to the UK authorities, can I regularize it retrospectively at the registry, without raising any red flag?

Thanks again for your prompt response.

Oh and yes, I'm most thankful.

P.S: Responses from others are welcome, please.

I only use my marriage certificate (from Catholic Church)and it was successful.

Also you have to think about accommodation when relocating with your family, better for your wife to come first and settle and then prepare for you guys unless you are loaded with ££££.

LagosismyHome:


The goat in this country is very suspicious.... I am still not convinced that is goat

Check if you have local butchers place... they usually have beef in large quantities or you can buy from the big naija stores like Ades

Thanks
Supermarkets meat taste like water�

Mamatukwas:


State your location. It will help. Plus do you mean goat meat? Or every.

Oxfordshire
Goat meat or beef please

Please my people, where can I buy meat in large quantity?

Not supermarket meat Please

I need naira please �...Anybody?

Gizdodo to the rescue

Mamatukwas:


If it’s me I’d say No with my full chest. The fact that someone bears the same last name as you but in your own words is a brother in name only (not in deed) is not enough for me to declare on any Visa application. In fact it sounds like you’ve never spoken to him. Issa No for me. So under immediate family I’d say No. Under extended family/people I know I could say yes. And even here if mainly be referring to everyone else including him.

Ask yourself this, if the Visa office asks you to provide any information about him can you? The answer should be able to guide you.

I have been trying to contact you on WhatsApp but no response

Mamatukwas:


Use me jor. I can give you at N595. Instant payment. No fees.

Hello dear, I sent you a Pm

Please my seniors, I want to know more about Help to buy ISA and other ISAs.... This one govt wants to close the H2B. I want to know if it is worth opening before they close it.? Please I need answers

Juddy2018:
@ zeezaa, please I need full meaning of MSI. Thank you.

Medical Solutions Incorporation

Adayoung:
Can one use different agencies at the same time ?

Yes, but don't accept job two job offers from different agencies.

sgtponzihater1:

Tried few agencies, none have come through for the past 1month.

Try MSI, they are quick.

sgtponzihater1:
Any help with Nursing jobs in the UK?

There are so many agencies that can help you get a nursing job, Or you can try NHS website for job openings and apply direct to the hospital

chilisauce:

Thanks zeezaa, but could you take the mention away from the international page? It would draw unnecessary attention which is what I want to avoid.
Many thanks

So sorry, am just seeing this mention now

sgtponzihater1:


No. U don't need to. Once full registration u can work as non training doctor, but will need to go back to tier 2 to enter a training position.

OK, tnks for the clarification