afroxyz:


Your visa application fees would not be refunded. Only your IHS fees would be refunded.

If you have money do another application. The most recent application would override your previous one. You'll get refunded in full for the previous application

justwise:

justwise:


Yes you can withdraw the application and start another before decision is made , there is a link on govt website that will take you through the process but that application fees and IHS will not be refunded immediately, it could take a month or two before they refund you.

Jannyfranc:
Thank you so much Afroxy @ Justwise please what is your opinion?

Efftyy:
Hello seniors in the house. I am a skilled worker working in the NHS. I have spent less than 24months in UK and I have tried all means to get information on investment that will help me and my small family in future . A lot has been said about the SP500, Lisa and ISA but what can individual engage in legally in this country to keep poverty mouth shut for life😔.
Ppls don’t air me

edmasta01:


Hello Efftyy, welcome to the UK. I hope you are enjoying your job.

Here are the few investments you can consider:

1. If you are below 40 years old, you should open a LISA. With LISA, you can save £4,000 and govt add 25% ontop of it for free. More info is available at this link: https://www.moneysavingexpert.com/savings/lifetime-isas/#:~:text=If%20you're%20pushing%2040,to%20pay%20in%20any%20more).

2. Consider maxing out on your pension on the NHS. Check with your HR to ensure you are contributing the maximum that NHS will match.

3. Open a Shares & Stocks ISA account (use Vanguard Investor) and then select one of their funds to invest in. A good fund on their website you can invest in is the S&P500 ETF. Just set up direct debit monthly of how much you want to invest and they invest it automatically for you.

4. Ensure you open a Junior ISA for your kids (if you have any) and just save in them monthly.

There are others such as SIPP etc.

In terms of what you can engage in legally, you have two options:

1. Do multiple jobs (You get double income, but you will have no life)

2. You can do business. The business aspect is split into two (a) The general work for yourself business like Amazon delivery using your car, food delivery, e-hailing cabs etc. (b) You can start a proper business selling a product. But this one depends on what you have flair for but you can sell anything really. You just need to learn to market it online.

edmasta01:


Hello Efftyy, welcome to the UK. I hope you are enjoying your job.

Here are the few investments you can consider:

1. If you are below 40 years old, you should open a LISA. With LISA, you can save £4,000 and govt add 25% ontop of it for free. More info is available at this link: https://www.moneysavingexpert.com/savings/lifetime-isas/#:~:text=If%20you're%20pushing%2040,to%20pay%20in%20any%20more).

2. Consider maxing out on your pension on the NHS. Check with your HR to ensure you are contributing the maximum that NHS will match.

3. Open a Shares & Stocks ISA account (use Vanguard Investor) and then select one of their funds to invest in. A good fund on their website you can invest in is the S&P500 ETF. Just set up direct debit monthly of how much you want to invest and they invest it automatically for you.

4. Ensure you open a Junior ISA for your kids (if you have any) and just save in them monthly.

There are others such as SIPP etc.

In terms of what you can engage in legally, you have two options:

1. Do multiple jobs (You get double income, but you will have no life)

2. You can do business. The business aspect is split into two (a) The general work for yourself business like Amazon delivery using your car, food delivery, e-hailing cabs etc. (b) You can start a proper business selling a product. But this one depends on what you have flair for but you can sell anything really. You just need to learn to market it online.

Efftyy:


What investment will you prioritise if you have a savings of 14k pounds ?

edmasta01:


To be honest, it depends on your current situation i.e. I don't know much about your financial and family situation so it's difficult to say.

But for an individual who has a moderate family of wife and two kids (and you have your residence already), I'll try and keep saving until i have about £40,000.

Then I'd find a 2 - 3 bedroom in an area where you can get £120k property that needs refurbishing (e.g. Hull, Stockton on tees, stoke on trent) and get a Buy To let Mortgage on the house and refurb it with £10,000 (I'll do the painting myself, do some of the cleaning and only pay professionals for the bit I can't do) and resell it or refinance it.

If I sell for £140 - 150,000 - I'll cash out my profit and rinse and repeat the process.

I'd usually just (a) Use Youtube to watch how others are doing this type of renovation (b) search rightmove and zoopla for potential properties selling and go from there.

But if you want a totally hands free investment, Vanguardinvestor is still a good place to keep your cash (Please note - investment like this is usually for the long term and investment can go up or down - so please speak to a financial advisor as my content above is just my own experience).

Efftyy:



Thank you once again . Will look into the hands on investment. Can I save up to 40k in my savings account and not attract government tax on it ?

edmasta01:


You don't get taxed on what you save. If your savings earns money e.g. interest, you get £2,000 (i think) without getting taxed. I won't worry about tax on your savings until you get £100,000 saved in your account.

edmasta01:


You don't get taxed on what you save. If your savings earns money e.g. interest, you get £2,000 (i think) without getting taxed. I won't worry about tax on your savings until you get £100,000 saved in your account.

trilacos:
Please,is there anyone here who knows someone in the British army that can do referrals for their recruitment?

topellycategory:





Search for 001general on facebook the guy said he's ready to give referrals to anyone interested in joining the British army.

trilacos:
Please,is there anyone here who knows someone in the British army that can do referrals for their recruitment?

Jannyfranc:
Hello everyone,is it possible to withdraw visa application for dependant you have paid both IHS and Visa application. Reason is to correct error in the form,then fill it again?please direct me on the process involved.

lavida001:
Gurus please recommend a good MacBook Air for me to buy. 🙏🏿

justwise:
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That will be a prob.

missjekyll:


True. He sounds dubious. Who vouches for people they don't know?

elengine:
Hi everyone. Someone had suggested on this platform in 2023 that we should create an investment forum. Abeg is the forum now existing? If not, our seniors should lead while we follow.

JapaGeneral:
Oga Lexus, Your UK number still dey work, e no dey even ring. That matter don enter the final stage, just as you predict am.

My Wife and I don conclude am say you either be oracle, traditionalist or babalawo.

justwise:


Create one.