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Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 2) (1273936 Views)
Living In The Uk-life Of An Immigrant (part 3) / Living In Canada/Life As A Canadian Immigrant Part 2 / Living In The Uk/life As A UK Immigrant (2) (3) (4)
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Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 5:40pm On Jan 31, 2022 |
Ticha: Rich man's Owo Lapo ![]() Thanks for the advice |
Re: Living In The Uk-life Of An Immigrant (part 2) by elisinho(m): 5:41pm On Jan 31, 2022 |
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 5:42pm On Jan 31, 2022 |
fatima04: How do you check when it reflects on the the credit report? Can I use it to buy something online and then resell on ebay? Will it affect my ratings? |
Re: Living In The Uk-life Of An Immigrant (part 2) by Nobody: 5:44pm On Jan 31, 2022 |
Re: Living In The Uk-life Of An Immigrant (part 2) by LagosismyHome(f): 6:06pm On Jan 31, 2022 |
nwauwa: Glad you made some progress but as much as you would like , its her battle to fight and not yours. |
Re: Living In The Uk-life Of An Immigrant (part 2) by canadaishome: 6:08pm On Jan 31, 2022 |
gratefulme40: Thank you I can be reached on |
Re: Living In The Uk-life Of An Immigrant (part 2) by gratefulme40: 6:15pm On Jan 31, 2022 |
canadaishome: Ok. Taken. You can take down your email add now Have responded |
Re: Living In The Uk-life Of An Immigrant (part 2) by Mikool101: 6:47pm On Jan 31, 2022 |
Please who travelled to UK with Turkish Airline? Is their service good? I hope they don't require pre departure test for fully vaccinated since there is a layover in instanbul. |
Re: Living In The Uk-life Of An Immigrant (part 2) by tushqueen(f): 7:39pm On Jan 31, 2022 |
I have pounds in exchange for naira please, anyone? 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 8:13pm On Jan 31, 2022 |
hustla: It will reflect regardless of when you pay. What the CRAs record on is how exposed you are, defaults (late payments, non payment etc) and what new credit you apply for. If you have a reasonably good credit, apply for an interest free spending or money transfer card then use those funds to trade. If it's a money transfer card, the funds get transferred into your account (You must not spend on the card at all cos that will invalidate the interest free period) If a purchase card, my advice will be to use as much of the credit and then start paying it down. Both cards will come with an initial admin fee of 1-3%. For example - we have a huge expenditure coming up which we have saved for anyway - we're returning to the UK for 8 weeks this year and about to pay for flights. I've applied for an interest free money transfer credit card and bought all our flights (card limit £14k, flights £9k) and have transferred the remaining £4k into our shares (it's currently 2.2 NZD to £1 pound so 8kNZD worth of shares). I have immediately set up a direct debit to cover the interest free period of 24 months. Direct debit is £625 a month. Remember we already have that money but instead of paying it upfront to the airline, I can budget 6 months at a time and make sure all repayments are covered and make some some extra change in the intervening 24 months from our savings and the rest of the money from the card . I have used the same process to cover visa application and expenses costs fees for my family when they apply for visit visas, I've in the past used it to trade. You have to be very, very disciplined and not see it as awoof money. https://www.moneysavingexpert.com/credit-cards/best-0-credit-cards/ THIS IS NOT FINANCIAL ADVICE - I am just sharing my experiences. 28 Likes 11 Shares |
Re: Living In The Uk-life Of An Immigrant (part 2) by kode12: 8:26pm On Jan 31, 2022 |
Ticha: You na Albert Einstein of financial management 6 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Xanderlex: 8:38pm On Jan 31, 2022 |
Joyousgem:I went to Lloyd's bank to open an account last week. The person who attended to me said the government had stopped the ISA thing. Please kindly confirm if this is true |
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 8:57pm On Jan 31, 2022 |
Ticha: Many thanks for the indepth explanation, I will be sure to look at it from your viewpoint May your blessings be more than the words in your response ![]() 3 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by hustla(m): 8:58pm On Jan 31, 2022 |
Xanderlex: Lloyd's bank dey use me play for like one week now |
Re: Living In The Uk-life Of An Immigrant (part 2) by Ticha: 9:03pm On Jan 31, 2022 |
kode12: ![]() ![]() ![]() 5 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by Mikool101: 9:11pm On Jan 31, 2022 |
Mikool101:Someone should please help a brother. This is urgent. |
Re: Living In The Uk-life Of An Immigrant (part 2) by kode12: 9:28pm On Jan 31, 2022 |
Ticha:Yeah, that’s an advantage we don’t have as Africans. Teens here are already talking stocks, bonds etc while the average joe is absolutely clueless |
Re: Living In The Uk-life Of An Immigrant (part 2) by Akorkor(f): 9:43pm On Jan 31, 2022 |
Ticha: You are a wise woman. Thank you for your wealth of financial experience |
Re: Living In The Uk-life Of An Immigrant (part 2) by Santa2: 9:45pm On Jan 31, 2022 |
tushqueen: In your dm |
Re: Living In The Uk-life Of An Immigrant (part 2) by Osoderi(m): 10:09pm On Jan 31, 2022 |
Mikool101: The flight is ok. But make sure u eat well before u enter the flight, their food is small and only once I was served till we got to instabul. Just take snacks U need a pre departure test , day 2 for vaccinated and Day2 and day8 if you are not fully vaccinated, then front page of your lucator form. Nigeria airport will check, and when u get to instabul they will check too. Just make two copies of pre departure test, one will be collected from the Turkish stand in Nig. And the other copy will u will show at instabul during connecting flight. 2 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 2) by Joyousgem: 11:27pm On Jan 31, 2022 |
Xanderlex: Yes, the 'Help to buy ISA' closed to new applicants around November 2019. I have recollections of 16 year olds rushing to open one before the deadline. It is basically a tax free savings account. When closing the account for purchasing your home, you received a closing statement from the bank, which on completion of the home purchase, your solicitor uses to claim back a 25% bonus for you from the government on savings of up to £3000. Lifetime ISA is different but more or less replaced the help to buy isa with 25% bonus too. However, LISA can also be used as savings towards retirement. ISA refers to tax free savings. Please check the links below for different schemes targeted at helping first time buyers get on the property ladder and that of the LISA. I hope it helps. https://www.ownyourhome.gov.uk/all-schemes/ https://www.gov.uk/lifetime-isa 6 Likes 3 Shares |
Re: Living In The Uk-life Of An Immigrant (part 2) by harryz1000: 11:38pm On Jan 31, 2022 |
omopapa:Good evening I am a medical laboratory scientist here in the Uk on a masters program I’d love to get in contact with you to go about gaining relevant work experience and eventually registering with hcpc. My contact is 07936897753. I’d love to get yours so I can reach out to you directly thanks. |
Re: Living In The Uk-life Of An Immigrant (part 2) by tshoboy(m): 12:53am On Feb 01, 2022 |
Is there a contact number for the High commission? I applied since October, when there were no appointing options and I yet to get an appointment email. Someone applied last week and said there is now an option to pick appointment dates and the person already attended biometric today. It was not fast track either. |
Re: Living In The Uk-life Of An Immigrant (part 2) by canadaishome: 1:14am On Feb 01, 2022 |
tshoboy: Oh wow That's good news if that's the case. I hope you get yours sorted soon 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Pijames: 1:54am On Feb 01, 2022 |
tushqueen:, which side of the uk are u in ? |
Re: Living In The Uk-life Of An Immigrant (part 2) by Adebayo82: 2:24am On Feb 01, 2022 |
Good morning everyone, I landed in uk 2 days ago for 1 year masrters. I want to start looking for jobs, I am an engineer by profession with years of experience. What is the way forward to secure a professional job that can give a chance to study and 20hrs job per week. I need a direction or somebody whom can link me up with the agent. |
Re: Living In The Uk-life Of An Immigrant (part 2) by Adebayo82: 2:30am On Feb 01, 2022 |
I'm interested. Which side are you in UK. Like how many pounds you were planning to sold? What's the exchange rate because I have some Nigeria guys that is interested. I have sent Dm. check and respond. tushqueen: |
Re: Living In The Uk-life Of An Immigrant (part 2) by ukay2: 6:17am On Feb 01, 2022 |
kode12: I do hope your now talking and investing in both stocks and bonds ![]() 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by kulzinnyjo(f): 8:39am On Feb 01, 2022 |
5gee: That's awesome. Congrats @5gee but why do you say pay of all our debts and why do you want to leave?! Is UK in a big economic crisis that makes you want to leave so badly. Please kindly share. I'm considering leaving the UK too. Thank you |
Re: Living In The Uk-life Of An Immigrant (part 2) by Rubyzz: 9:29am On Feb 01, 2022 |
Hello everyone, Please I need help on how to get my money back from ukvi. I applied Nov and got my visa, nownin the UK. During IHS payment I was charged $987, my son was charged 1640.49 and my husband 1640.49 for same length of stay..... I believe they were over charged, I have sent mails and paid calls and they keep telling me to wait for 6 weeks. Its 2 months now Please advice me on how I can get my money back |
Re: Living In The Uk-life Of An Immigrant (part 2) by ThaSlimKidd: 10:31am On Feb 01, 2022 |
nwauwa:I was able to get someone to go to their office in Lagos. Pre-departure Covid tests not required for fully vaccinated. Thank you. 1 Like |
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