https://www.theguardian.com/society/article/2024/jul/29/junior-doctors-leaders-agree-pay-deal-over-two-years?CMP=Share_AndroidApp_Other

Elections do have consequences...we are finally on the path to recovery

ReesheesuKnack:
They have started…
Before Elections: Our plans are fully costed and will not require any tax rises. We have looked at the books and our plans are fully, fully costed.

After Elections: Uhmm… sorry. We may have to raise your taxes because the past government left too much black hole.

Wait a minute, the UK is not Nigeria. The OBR already gave you precise figures. You ran your voice hoarse during the campaigns that you have it all figured out. Now you are in government…
“E be like say dem wan to tell us another story again..”

It remains to be seen how long they will continue to lie and blame ‘16 years of the PDP’ oh sorry… 14 years of the Conservatives.

Like I said before… Like UK Labour, like Nigeria APC. Just capitalise on people’s discontent with the governing party. Lie your way to power. Realise that there is only so much lies you can keep doling out…. Then blame ‘past administrations’.

I am more interested in where that 20 billion went. We have poopy public services so can't have been spent on that.
Where did it all go??

Of course Labour will raise taxes. It ll just not raise income tax, national insurance and VAT. That was the promise

Hi,

For any single female coming or in london for work before mid August, I have a room with own bathroom for £850 without bills in East London. Bills should be about £100. Please reply to me if interested.

Brethren, I need recommendations on a good blender, specifically to blend ogbonor. Help a fellow citizen ejoor.

kode12:
Brethren, I need recommendations on a good blender, specifically to blend ogbonor. Help a fellow citizen ejoor.

My husband came home with this sometime last year.
It’s only little pebbles and small rocks 🪨 I haven’t put inside to try it. Otherwise… Ogbono, yam, cassava…I have tried them all, this monster crushed em all.

Fraih:
Hello fam. Pls what do you think of opting out of pension plans in the workplace here?

I opted out of my pension and took a refund of the pension paid in close to two years. Part of the money was deposited in LISA towards getting a mortgage.
As a single man, I should be able to afford a 3-bedroom End terrace building at 10% deposit in less than two years in the UK. Plus other fees associated with getting a mortgage.

Madeu:

I opted out of my pension and took a refund of the pension paid in close to two years. Part of the money was deposited in LISA towards getting a mortgage.
As a single man, I should be able to afford a 3-bedroom End terrace building at 10% deposit in less than two years in the UK. Plus other fees associated with getting a mortgage.

Is it possible to get your pension before a certain age?

ReesheesuKnack:


My husband came home with this sometime last year.
It’s only little pebbles and small rocks 🪨 I haven’t put inside to try it. Otherwise… Ogbono, yam, cassava…I have tried them all, this monster crushed em all.

Lollllllll. Seconded. Ice too. It's about as Loud as a jet engine so be prepared

ReesheesuKnack:


My husband came home with this sometime last year.
It’s only little pebbles and small rocks 🪨 I haven’t put inside to try it. Otherwise… Ogbono, yam, cassava…I have tried them all, this monster crushed em all.

Does the yam come out as smooth as hand pounded yam? I might look into getting one if it does.

indegrees:
Hi,

For any single female coming or in london for work before mid August, I have a room with own bathroom for £850 without bills in East London. Bills should be about £100. Please reply to me if interested.

Those of us who live in the North continue to count our blessings. £950 for a single room, in London?! London is quite an expensive place to live for the average middle class earner.

claremont:


Does the yam come out as smooth as hand pounded yam? I might look into getting one if it does.

Yes.perfectly smooth

Madeu:

I opted out of my pension and took a refund of the pension paid in close to two years. Part of the money was deposited in LISA towards getting a mortgage.
As a single man, I should be able to afford a 3-bedroom End terrace building at 10% deposit in less than two years in the UK. Plus other fees associated with getting a mortgage.

The devil is in the details. You may have ‘lost’ more money than you think/thought.

My understanding of withdrawing your pension contributions within 2 years is:
1. Your pension contribution has to be a defined benefit scheme.
2. You only get refunded your own contribution. All employer contribution is lost, forever. For example, if your contribution was 5% and your employer was contributing 5% too then you may have a personal contribution of £10,000 where half of that (£5,000) is your contributions while the other half is your employer contribution.

When you want to withdraw within 2 years, you are only eligible to withdraw £5,000. The other £5000 is gone like the wind.

It gets even more interesting.
You haven’t just ‘lost’ £5000.

Let’s look at what happens to your own £5000

3. You will be charged a 20% tax on that 5k (I hope my dearest sister MissJekyll doesn’t instigate Rachel Reeves to increase that to 40%).

20% of £5,000 = £1,000
Therefore you are only eligible to get £5000 - £1000 = £4,000

It doesn’t end there.

The pension funds company (we called them Pension fund administrators back then in Naija) e.g Royal London or Nest, or NOW-Pensions or Aviva or AJ Bell or Aegon etc… will take their own cut, it’s usually small. For argument sake, let’s put it at 1%. 1/100 x 4,000 = £40

Total deduction = £1,040

Your take home = £3,960 cash.
Happy right?


How much have you ‘lost’?

£10,000 - £3,960 = £6,040


£6,040 is your loss. That’s not such a big loss, is it?

Hi all, i will like to seek an advice on the best way to save money with the hope of getting back interest for a period of 6 months to 1year, Barclays bank recently sent me a letter advising that i save with them as i currently run a current account with them.

ReesheesuKnack:


The devil is in the details. You may have ‘lost’ more money than you think/thought.

My understanding of withdrawing your pension contributions within 2 years is:
1. Your pension contribution has to be a defined benefit scheme.
2. You only get refunded your own contribution. All employer contribution is lost, forever. For example, if your contribution was 5% and your employer was contributing 5% too then you may have a personal contribution of £10,000 where half of that (£5,000) is your contributions while the other half is your employer contribution.

When you want to withdraw within 2 years, you are only eligible to withdraw £5,000. The other £5000 is gone like the wind.

It gets even more interesting.
You haven’t just ‘lost’ £5000.

Let’s look at what happens to your own £5000

3. You will be charged a 20% tax on that 5k (I hope my dearest sister MissJekyll doesn’t instigate Rachel Reeves to increase that to 40%).

20% of £5,000 = £1,000
Therefore you are only eligible to get £5000 - £1000 = £4,000

It doesn’t end there.

The pension funds company (we called them Pension fund administrators back then in Naija) e.g Royal London or Nest, or NOW-Pensions or Aviva or AJ Bell or Aegon etc… will take their own cut, it’s usually small. For argument sake, let’s put it at 1%. 1/100 x 4,000 = £40

Total deduction = £1,040

Your take home = £3,960 cash.
Happy right?


How much have you ‘lost’?

£10,000 - £3,960 = £6,040


£6,040 is your loss. That’s not such a big loss, is it?

Well, I calculated the risks and benefits. I am to retire after 37 years of service. Removing myself From the pension scheme for two years and contributing to the pot for 35 years doesn't make any significant difference.
Money will be used to get into the property ladder and have a lodger who will pay rent monthly to me.
In the long term, I will still gain a lot from increases in the value of the house and money from rent.

Tired of eating home cooked meals.......

Want to dine cheaply on unsold hotel/restaurant meals........

Download Too good to go app ........😜🤣😂

mex551:
. It is a simple process. If you have your skilled worker visa. Just apply. Attach all relevant documents. Who you are visiting , if staying in a hotel, attach the details etc. and then they give you 5 years. I applied few months ago and stated the 4 denials I had from Nigeria and they still gave me 5 years! Please note that I never travelled to any European country before that appointment. They didn’t ask me for bank statement etc. just what I do for living here in the uk and who I was visiting in 🇺🇸

I think that generally if you have skill worker visa or a dependent , it’s very easy to get. I also has a friend here in Nairaland who applied with his family and they gave them 5 years. Am going for my trip this August and when I come back I will go and collect Canada 10years. Yes that the privilege we enjoy from here.

Please what are the needed relevant documents I need to have or attach to my application?

Lexus for Nigeria president 🙌🏾(As least we can be assured for a well managed and opportunistic economy)… Baba for the boys, I have downloaded it asap but this one it is looking like black market as you don’t know what you will be getting. Anyway to do this or any App that does it. Make say no to wastage no no end up being wasted as local man wey I be. 😂

Lexusgs430:
Tired of eating home cooked meals.......

Want to dine cheaply on unsold hotel/restaurant meals........

Download Too good to go app ........😜🤣😂

AgentXxx:
Lexus for Nigeria president 🙌🏾(As least we can be assured for a well managed and opportunistic economy)… Baba for the boys, I have downloaded it asap but this one it is looking like black market as you don’t know what you will be getting. Anyway to do this or any App that does it. Make say no to wastage no no end up being wasted as local man wey I be. 😂

If you ordered a surprise breakfast pack from Holiday inn......
Nah full English breakfast you go receive.........🤣😂

mex551:
. It is a simple process. If you have your skilled worker visa. Just apply. Attach all relevant documents. Who you are visiting , if staying in a hotel, attach the details etc. and then they give you 5 years. I applied few months ago and stated the 4 denials I had from Nigeria and they still gave me 5 years! Please note that I never travelled to any European country before that appointment. They didn’t ask me for bank statement etc. just what I do for living here in the uk and who I was visiting in 🇺🇸

I think that generally if you have skill worker visa or a dependent , it’s very easy to get. I also has a friend here in Nairaland who applied with his family and they gave them 5 years. Am going for my trip this August and when I come back I will go and collect Canada 10years. Yes that the privilege we enjoy from here.

Will I have to pay/book for a hotel room and show evidence of the booking as evidence? Because Honestly I want to apply now and maybe travel Xmas or January and spend a week. Can a letter from my employer explaining my leave period, my yearly earnings and my BRP Card be sufficient relevant document for application? Please put me through Bro

Madeu:

Well, I calculated the risks and benefits. I am to retire after 37 years of service. Removing myself From the pension scheme for two years and contributing to the pot for 35 years doesn't make any significant difference.
Money will be used to get into the property ladder and have a lodger who will pay rent monthly to me.
In the long term, I will still gain a lot from increases in the value of the house and money from rent.

Very good for you. Well done.
Just out of curiosity. Just sheer curiosity, and you can help a lot by mentioning. Thank goodness it’s a faceless forum so no one will know your financial health.

Approximately how much did you get in refunds? And approximately how much did you lose out on?

My example above was a hypothetical case, maybe you could help us with a real case. Others may want to do a risk-analysis to see if they can tow your path.

ReesheesuKnack:


My husband came home with this sometime last year.
It’s only little pebbles and small rocks 🪨 I haven’t put inside to try it. Otherwise… Ogbono, yam, cassava…I have tried them all, this monster crushed em all.

God bless you. I think I'll give it a shot, make I resume my swallows

AgentXxx:
Lexus for Nigeria president 🙌🏾(As least we can be assured for a well managed and opportunistic economy)… Baba for the boys, I have downloaded it asap but this one it is looking like black market as you don’t know what you will be getting. Anyway to do this or any App that does it. Make say no to wastage no no end up being wasted as local man wey I be. 😂

Most of the food on there are expired or near rotten.

lavida001:


Most of the food on there are expired or near rotten.

I have used this app , my experience is different as the food was good. They are not allowed to sell expired food and the app checks back with you on the quality and quantity of food you got.

Hope you gave that restaurant a nasty review. People use this app for many reasons: affordability, sustainability being 2 of them and it should be encouraged.

Thank you for sharing Lexus

missjekyll:


I find this to be a bit ableist....

As I said, this can be a touchy subject. First, I have had struggles with my mental health needing to take time off work to sort it and I quite often advise people to take some time off and understand some who are burnt out might need extended periods off work to recover. I returned to work due to a number of reasons among which are- I would earn significantly more in work than out of work, I might have ended up having my contract terminated and possibly had to return back home and lastly, having longterm periods doing nothing would have had a debilitating effect on my mental health as is largely the case. My work is not easy and sometimes sees me working outdoors overnight in the thick of winter. I would much rather be sipping mojito on an islandic beach if I could.

Before blaming GPs, its important to understand the benefit system in the UK which is something many legal immigrants would largely be unaware of except they work in certain roles or after being here for a good period. In your words, why do you think some 'who doesn't need fit notes keep coming for them'? A specialist referral should be offered if indicated and appropriate irrespective of if one seeks a fit note or not. Not too long ago, GPs had to push back at hospitals for asking people who had been seen in hospital to present to their GP for a fit (sick) note. The DWP should ideally call in most people who have been offsick for a few months for an assessment. How often do they do that? Even the job centre sometimes advises people to present to their GP for a fit note (rightly sometimes). Lastly, a fit note does not mean you cannot work. You can be given a fit note for 6 weeks and decide to return back to work after a week if you feel you are able to.
You don't need a psychiatrist or a doctor to tell you you're not fit to work. You can self-certify for a week and a nurse, physio etc can extend that for a good period. What would interest you to know is that virtually no doctor all thru medical school and in specialty training (aside a few in occupational health perhaps) receive specific training in deciding who is fit to work or not.

You fail to understand that there is a societal aspect to the benefit system and that would not be solved by medicine. I keep asking if you've had any interaction with the benefit system in person. You can start by walking to an active council estate on a Monday morning and offering a bi-weekly psychiatrist appointments to folks with mental health concerns with aim to take away benefits and see how many knives you may leave with. The Tories floated the idea of offering therapy after a stint in place of benefits for those with mild-moderate mental health issues. Guess their response? They rightly said the government should not dictate when and how they recover. I have strongly argued for the social safety net in the West but knowledgeable enough to highlight its drawbacks when out of control.

Solumtoya:


Contrary to other people's advice, I would say that coming as a student is a brilliant way to get a foot in the door. More expensive, yes, but you get a degree and stand a much better chance of landing a good job when you are located here and have a right to work. You can then get Sponsored by a Company.

Applying for Tech jobs from Nigeria is always easier said than done. Even if you land the job, many Companies will rather contract you from Nigeria working remotely

Valid but the issue is that many students would be shafted after their masters and psw if the current treshold remains. With certain apects of tech, it'd be easier but a calculated risk one has to weigh

lavida001:


The King is slashing royal cost i heard.

Hehe.. After receiving extra £45 million pounds this year? They say na crown estate. Question becomes why it's not being taxed.

lavida001:

Hope its not the shift immigrants are packing they want to force them to do

Hehe.. What I'm against is having a servile class. My own is that we should have a trial of zero migration for 5 years mk the noise settle. That'd certainly sort housing, health, education, infrastructure and even road traffic. Infact, wages might double in this period.

Japan is a good example. Despite huge government borrowing and 15 yrs of population decline, their economic indices have rather fallen or remained stagnant for over 30yrs. Many countries are watching their progress. I'm annoyed they've been unable to maintain their resolve and muddied the waters by accomodating increasingly number of migrants. Hope the new arrivals are not blamed for future economic woes.

Good afternoon fellow Nigerians.
Please I need your assistance.
Very soon, I will be having an interview as part of the application for a PGCE Physics course in England.
For the interview, I would like to know what to expect for the subject knowledge section. For example, physics topics to expect, tips to help e.t.c
Thank you.

Pee4Paul:
Good afternoon fellow Nigerians.
Please I need your assistance.
Very soon, I will be having an interview as part of the application for a PGCE Physics course in England.
For the interview, I would like to know what to expect for the subject knowledge section. For example, physics topics to expect, tips to help e.t.c
Thank you.

isn't that what the military thieves say after a coup,though ?

ReesheesuKnack:

..

If it’s MissJekyll, you go explain tire, even with evidence. If the evidence is not from Guardian, she is not interested.

It's important to have and appreciate varied non-threatening views as it's the bedrock of an open society.

Without no intent to throw personal jibes, my concern with people like her who were on the right in Nigeria/else where and now become far left in the UK. Is it the result of new learning and change in conviction or was their stance due to where they stood on the economic spectrum in respective nations?

We see it daily. Most are happy with higher taxes for the better good as far as it's someone else doing the paying.
My question becomes if as an immigrant, she is able to work and buy a 500k house, has one or 2 on rent, was looking to private school her kids plus some nice holidays and hopefully pass on her houses + some money to them as an inheritance, would she still be on the far left advocating much higher taxes for high earners i.e 'tax them till they shiver'?

Pee4Paul:
Good afternoon fellow Nigerians.
Please I need your assistance.
Very soon, I will be having an interview as part of the application for a PGCE Physics course in England.
For the interview, I would like to know what to expect for the subject knowledge section. For example, physics topics to expect, tips to help e.t.c
Thank you.

Not my field but I know a few looking at the teaching pathway. Someone more knowledgeable should answer
Lemme ask, are you in Nigeria or the UK, also did you study physics as a first degree?

Are you talking from a point of experience or hearsay? As I do not want to believe this.

lavida001:


Most of the food on there are expired or near rotten.

Fraih:
Hello fam. Pls what do you think of opting out of pension plans in the workplace here?

Others have given good considerations. In addition to tax and employers contribution lost on pulling out, also factor in NI you'd pay on the money. It also depends on how robust your pension is. If it's a civil service or NHS pension, they're pretty good. If it's the minimal 5 % from you and 3% from provider, then it's OK but not as good. Manytimes it's not a good idea but everyone's situation is different.

Irrespective, if your employer uses a private provider, its worth checking the fund they invest your pension in. Many providers would invest your contributions in very low growth offerings e.g bonds for the first 5 years cos they're worried people might be scared of the volatility of higher growth options and pull out. The downside is those good returns are most beneficial when people are younger as they have time to compound. I have an adhoc job and enrolled under NEST for it. I looked this year and saw my pension lost money net fees over the last year which was annoying as that was a very bullish year for the market. Had to change what I'm invested in with the aim to leave once I conclude the role.