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Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 2) (1299534 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 codedarrow: 1:26pm On Jun 05, 2022 |
It’s simple. Call your bank and report the transaction Get a court order and also report to Police they will freeze the account and arrest on sight. Khalifa99: |
Re: Living In The Uk-life Of An Immigrant (part 2) by mizGene(f): 1:50pm On Jun 05, 2022 |
romney678mitt: Did you have to provide her name or details in the student visa application? If you did not, you are fine. If you did, your way out is going to be tougher... |
Re: Living In The Uk-life Of An Immigrant (part 2) by mizGene(f): 1:54pm On Jun 05, 2022 |
Pls what is the average rate for exchange now? |
Re: Living In The Uk-life Of An Immigrant (part 2) by Viruses: 2:01pm On Jun 05, 2022 |
Khalifa99:So sorry about your painful and unfortunate experience. Rule of thumb is if you are doing these exchanges as forex business, it is who is making the request that should send first (even though that is not a guarantee because the recipient can then scam you); otherwise just stick with Lemonade, forget the exchange rate you might be able to negotiate with individuals. Las las that one don spoil business for the genuine forex traders. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 2:06pm On Jun 05, 2022 |
Khalifa99: If you know any top managers in GT Bank, your money would be refunded within 48 hours........ |
Re: Living In The Uk-life Of An Immigrant (part 2) by mintyx(m): 2:38pm On Jun 05, 2022 |
Lexusgs430: Sorry I don't understand your statement. Could you clarify further please. I work under the NHS and pensions has already been deducted for the past 3 months I worked. Is the pension being deducted different from NHS pensions or you meant opt out of NHS pensions? Also how do I go about the SPP portfolio? |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 2:43pm On Jun 05, 2022 |
mintyx: You talked about opting out, I said opt in ....... NHS pensions, is one of the best pension policies, that ever liveth........... SIPP - Self invested pension plan........ You are your own fund manager, investing in the stock, trading your pension funds......... The beauty of a SIPP plan, HMRC pays you 20% of each deposit made ( SIPP plan is about £9.99 pcm)...... 2 Likes 7 Shares |
Re: Living In The Uk-life Of An Immigrant (part 2) by mintyx(m): 2:53pm On Jun 05, 2022 |
Lexusgs430: Wow, thanks again for the clarification. I really don't know how to go about with the SIPP, I'm kinda new to the system. Would you be kind to explain how to go about the SIPP further please? |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 4:43pm On Jun 05, 2022 |
mintyx: Start by registering here ....... Join me and invest with Freetrade. Get started with a free share worth between £3 and £200. T&Cs apply. Capital at risk. https://magic.freetrade.io/join/oyedeji/fda60720 3 Likes 6 Shares |
Re: Living In The Uk-life Of An Immigrant (part 2) by dustydee: 4:57pm On Jun 05, 2022 |
Khalifa99:Report the transaction to your bank and possibly his and followup. They will like block his account. |
Re: Living In The Uk-life Of An Immigrant (part 2) by kwell(m): 5:57pm On Jun 05, 2022 |
Lexusgs430: Oga I tried reaching you about your tv package thing. But your line seems inactive. Anyway to reach you? |
Re: Living In The Uk-life Of An Immigrant (part 2) by Sassy256(f): 7:48pm On Jun 05, 2022 |
Lexusgs430:I'm interested in this, can you shed more light please. |
Re: Living In The Uk-life Of An Immigrant (part 2) by justwise(m): 8:27pm On Jun 05, 2022 |
romney678mitt: Then go ahead and apply and explain why you did not add those kids name, you have their birth certificates and pictures from the traditional marriage? |
Re: Living In The Uk-life Of An Immigrant (part 2) by TheGuyFromHR: 8:41pm On Jun 05, 2022 |
mintyx: SIPP means "self-invested personal pension". The name explains it all. Basically, it means saving a certain amount of money from your salary every so often (maybe each month for instance), and investing it in the stock market yourself for your pension. In a traditional pension offered by the government (and companies as well, previously) called a defined benefit pension, you will get a guaranteed amount of money each month when you retire (depending on how much you were earning before you left). This guaranteed amount is usually increased in line with inflation every so often (recall Nigerian civil service pensioners who retired in the 90s when money was money on pensions of maybe 5k a month for some directors, and who were still receiving those amounts in the 2000s before harmonization, when 5k naira had turned into change/fuel money). In the UK, the government guarantees pensioners will receive that sum, and the UK government has more credibility than the Nigerian government. For now at least. The reason why Lexus referred to the NHS pension as being the baba of all pensions is because of the amount the government contributes. In a standard pension setup, money is deducted from the employee's salary every month for their pension, and the employer also makes a contribution. You might have maybe 5% deducted from the employee's salary while the employer makes a contribution of maybe another 5% of the employee's salary. In the NHS (and other public sector jobs), the government as the employer contributes like 20% or so, which is way better than what the private sector offers. (On the other hand private sector salaries are usually better than public sector ones for comparable positions). The private sector offers defined contribution pensions. In this type of pensions, your employer deducts money from your salary, adds their own contribution and hands the money to a pension provider who then invests it in stocks, bonds, etc. There is risk involved in that after you retire, you can get less than you actually paid in if your pension provider's investments do badly, as opposed to the government-guaranteed defined benefit pensions wherein if you are told you will get maybe 80% of your final salary as a pension, the full faith and credit of the UK government is behind that guarantee. The law requires employers to auto-enroll their employees into pension schemes 3 months after they are employed. You can opt out, but the employer is required to auto-enroll you again some time later, I can't remember exactly. Do not waste your hard-earned money with a SIPP if you are not ready to put in some effort to study the stock market and get more than a general overview of investing. It's not for everybody. 9 Likes 6 Shares |
Re: Living In The Uk-life Of An Immigrant (part 2) by romney678mitt: 8:44pm On Jun 05, 2022 |
justwise:yes i do, so i should basically change the info i have on file and apply for wife and the new kids right? |
Re: Living In The Uk-life Of An Immigrant (part 2) by Lexusgs430: 9:41pm On Jun 05, 2022 |
TheGuyFromHR - Haba, ignore stock market...... Wetin you want pésin wey no dey carry woman, smoke or drink dey do ....... We suppose find other vices nah ......... Forex market go soon open, make I see if my pips go reduce my BP ......... |
Re: Living In The Uk-life Of An Immigrant (part 2) by marylandcakes: 10:21pm On Jun 05, 2022 |
Juice191968: Peckham Woolwich Thamesmead Dagenham Romford 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by Peerielass: 10:38pm On Jun 05, 2022 |
mintyx: I will always advise people to pay into their workplace pension especially if it’s a defined benefit scheme like the Nhs pension as those are the best around. It’s based on your career average and for each year you work for NHS, you accrue 1/54th of your average salary. Even if you are above 30 and you end up working for the NHS for 35 years, you will accrue 35/54th of your salary by the time you retire adjusted yearly for inflation. So for example if your average salary at retirement is £40,000, you will have accrued an annual pension of nearly £26,000 by the time you retire and it’s guaranteed till you pass away. It’s not like the private sector pensions where your pension income is determined by the performance of the plan. The side effect to opting out is that you will lose your NHS employer pension contribution. Also there are other benefits attached to the NHS pension like death in service grant etc which are quite substantial. 6 Likes 5 Shares |
Re: Living In The Uk-life Of An Immigrant (part 2) by humblemoi: 7:28am On Jun 06, 2022 |
romney678mitt: Sir, just go and get yourself an immigration lawyer.. you already have a case of misrepresentation. Seek professional help before doing anything at the least. |
Re: Living In The Uk-life Of An Immigrant (part 2) by phyl123: 8:36am On Jun 06, 2022 |
BorisJohnson: Every area has got it’s good and bad areas. Peckham has got it’s good and bad areas, Chelsea and Kensington has got it’s good and bad areas too. Don’t believe everything you read or see on the media. It’s always better coming from the people who live in g these areas. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 2) by imback(m): 9:30am On Jun 06, 2022 |
I still have a few slots left We'll both get £20 when you join Chase Bank UK and pay in £20. Get started: https://link.go.chase/emNK/refer?code=5L8MmIqi. T&Cs apply. |
Re: Living In The Uk-life Of An Immigrant (part 2) by giselle237: 9:50am On Jun 06, 2022 |
mizGene:why dont you just use lemonade app? 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 2) by mimilyrics: 10:15am On Jun 06, 2022 |
@Juice191968 Add Belvedere. Zone 5 fare zone Welling. Zone 4 fare zone. Bexley ( Bexleyheath, Erith, Crayford). All Zone 6 fare zones. Lewisham - Zone 2. Abbeywood - Zone 4. House prices have gone up because of the new Elizabeth line. Hackney - Zone 2 (a lil rougher than the others mentioned but I still know a few people who managed to raise great kids here) Dartford - Zone 8, if you don't mind the distance/extra transportation cost. PS: Though Peckham is somewhat rough, there are some nice places in Peckham as a result of the gentrification. Added some pics below - have more videos than pics so, please make do with these. The areas around the Peckham Rye station are too rough for my liking (think about the upgraded version of Oshodi or Ketu), going towards the Peckham - Camberwell boundary is better (think Awolowo road, Ikoyi), while the Peckham high street towards Lewisham (a mix of Bourdillon and Admiralty) is the best based on my obs. A former colleague who lived there mentioned gang activity amongst the teens and young adults so if you have kids, keep that in mind. marylandcakes: 2 Likes
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Re: Living In The Uk-life Of An Immigrant (part 2) by justwise(m): 10:44am On Jun 06, 2022 |
romney678mitt: If your first marriage was legally conducted then you need to go for divorce before applying for your current wife and kids . As it stands you are still married to your ex wife and that is what is in your immigration file. I hope you still have enough time to go through this process and apply for them on time for PSW? |
Re: Living In The Uk-life Of An Immigrant (part 2) by romney678mitt: 11:56am On Jun 06, 2022 |
justwise:i am not sure because the divorce process i have to contact a lawyer and besides i dont even talk to this person again so the process will be hard for me. I dont know what to do to bring my family here. |
Re: Living In The Uk-life Of An Immigrant (part 2) by giselle237: 12:00pm On Jun 06, 2022 |
midasfx:no |
Re: Living In The Uk-life Of An Immigrant (part 2) by CheesyTee(f): 12:24pm On Jun 06, 2022 |
CheesyTee: Just so you know, the refer a friend offer will be coming to an end at 11:59pm on Tuesday 7 June 2022. Don't sleep on this! |
Re: Living In The Uk-life Of An Immigrant (part 2) by iboboyswag(m): 1:07pm On Jun 06, 2022 |
Peerielass: Just imagine say after all the years, when you retire, you now move back to Nigeria. Chai! At the current exchange rate, your almost 2k pounds per month pension go be some real large dough o! The ultimate expatriate. This is some smart thinking. 3 Likes |
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