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Nairaland Forum / Nairaland / General / Travel / Living In The Uk-life Of An Immigrant (part 3) (676439 Views)
Living In The Uk-life Of An Immigrant (part 2) / 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 3) by Lexusgs430: 5:20am On Aug 29 |
adeolaspecial: Do you have a water meter installed........ What are your water usage habits, do you love long showers(nothing wrong with having long showers)....😁 When you wash plates in the kitchen, do you keep the tap running constantly or you turn on & off intermittently......😂 What you need to do, review your usage or check for leaks........💰 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by adeolaspecial: 8:00am On Aug 29 |
Lexusgs430: I do not have a water meter installed. Averagely, I could say we spend less than 8-10mins in the shower (though madam spends a little bit above that as per women). And we're very moderate in water usage in the kitchen. We never leave the tap running. There are no leaks whatsoever. This bill is just way too high. |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 8:04am On Aug 29 |
adeolaspecial: If you're friendly with your neighbours, try comparing water bills......... |
Re: Living In The Uk-life Of An Immigrant (part 3) by adeolaspecial: 9:24am On Aug 29 |
Lexusgs430: Thanks, thought of doing that. |
Re: Living In The Uk-life Of An Immigrant (part 3) by 080bjaked(m): 10:09am On Aug 29 |
adeolaspecial: When I moved into my current appartment, I was paying 56 per month, after almost a year, they got a bill and they jacked it up to 91 or so, I intentionally cleared all my schedule that day to call cymru water (for wales), I was on call for over an hour (wait times, record review setc, I no gree o). I insisted that we are not heavy users. We did leak tests (shut off all taps, take reading, wait for one or 2hours and take another reading) and it was confirmed that there were no leakages. When it became apparent that I won't stop calling them (think I called like 4-6times that day). The lady said she has to review all the house's previous water bills even before I moved in. It was then she said they didn't take a reading when I moved in so that bill which was calculated based on average usage was skewed. Na so she changed my monthly bill to 53per month. I felt better cos I actually just wanted to keep the old rate but now I was getting a few extra. (who'd say no?) An hour later, she called back, said she spoke with her supervisor and he worked out the calculations further and moved me to 39 per month. I was really happy and I've been paying that since then my account was even in credit when I got the last bill. how that mix up happened I honestly don't understand cos I believed I should have a new account when I move into a house right? How come I was paying 56 initially and my account was in debit and now I'm paying 39 and I'm in credit? Since that day, I no too trust that water billing system. 9 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 3) by Taal17: 12:10pm On Aug 29 |
adeolaspecial:Could be how you use washing machine or dishwasher. Do you wait till it's full before you wash or wash whenever there's a dish. You have a toddler too so, they tend to just open taps for fun 😊 |
Re: Living In The Uk-life Of An Immigrant (part 3) by lavida001: 1:55pm On Aug 29 |
Lexusgs430: Drastic measure needs to be taken to deal with shoplifters. |
Re: Living In The Uk-life Of An Immigrant (part 3) by elengine: 2:43pm On Aug 29 |
Make I just stick to my 20 quids per month. Yorkshire water dey do this one and upon that, I still dey drag it with them each time they charge above 25 pounds |
Re: Living In The Uk-life Of An Immigrant (part 3) by Controlv: 10:15pm On Aug 29 |
Lexusgs430: I reserved my first grocery with co-op today, and I literally shouted when I was handed 2 full bags all for £4. Thanks so much for always sharing valuable info. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 10:29pm On Aug 29 |
Controlv: Did you run out, for fear they might call you back....... 📞🏃🏃🏃😂 4 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 10:30pm On Aug 29 |
elengine: You are definitely receiving better than Prophet Jeremiah's miracle water...... 💦😂 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by Knowlegeseeking: 7:15am On Aug 30 |
Hi Controlv, is this also from the toogood to goo app? how do you find co-op on it? Controlv: |
Re: Living In The Uk-life Of An Immigrant (part 3) by adeolaspecial: 8:10am On Aug 30 |
080bjaked: I called them yesterday and they said its the building that was billed and not the usage. They advised i get a water meter and i have a trial period of 2yrs to see if it works for me or not. The thing just weak me. I asked they review the amount charged to the building, they said they can't. That its what comes with it. 😭 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by adeolaspecial: 8:12am On Aug 30 |
Taal17: I don't even have a water meter. My toddler is under 2 and have no access to taps. We wash adult clothes once a week and hand wash easy baby clothes. Called them and they said its the building they use to calculate how much I'm being billed. |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lefty500: 1:33pm On Aug 30 |
adeolaspecial: No council tax No water bill. These are the reasons I still like Northern Ireland. |
Re: Living In The Uk-life Of An Immigrant (part 3) by giselle237: 1:41pm On Aug 30 |
adeolaspecial:They can not say that. Pls call again and speak to a Manager. If you bill the building how did they come about that amount? You are not liable for an estimated bill but for what you use. No water meter. No charge to you but charging building, please push back and the amount will come down. Always push back politely but firmly. 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 4:03pm On Aug 30 |
lavida001: I'm a GP 7 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by Bukorlar10: 5:58pm On Aug 30 |
Good evening, Not sure if this is allowed here, if it is, can someone please recommend a good security device for a car here in the UK. Mostly parked at public place. Thanks |
Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 6:02pm On Aug 30 |
https://www.youtube.com/watch?v=kTmXlNHheXo?si=pxc-5UtG_0eD4Iij Came upon this interview with Kemi and interestingly watched it all. I may not agree with all her points but my God, she's impressive! For someone who spent most of her first 2 decades in Nigeria and describes herself as a 'first-generation immigrant', it makes her current achievement and being the frontrunner to become the Tory party leader (irrespective of outcome) all the more impressive. Respect to her parents who molded a black Nigerian lady giving her the confidence to aspire to the top. Across the pond we have Kamela- a lady born to both immigrant parents now in prime position to be the president of the U.S. It's no coincidence that the profile of her parents are equally impressive. Overnight the discussions here around Chidinma flashed back. It's interesting some Nigerians see a lady who is South African by birth as mistepping for contesting to be Miss SA. No doubt that feeds into some on the self-deprecating views which some of us share about ourselves. The issue with believing such is that it would show when one interract with others as you would kowtow believing yourself to be inferior. Your kids viewing would pick up on that and may tow the path of violence or bottom scrapping as they never experienced better. Imagine Kemi or Kamala approaching Nigel and Trump respectively seeking permission to run for office. Hehe. You don't take permission to aim higher. Many of us can today excuse ourselves for not heading to the top by being a recent immigrant and all the constraints attached. But let's be well aware that our kids (irrespective of their determinant socioeconomic background) would have no excuse if they find themselves languishing at the bottom. If they blame their skin colour, others will say but we had a PM of Indian origin decades ago. Recently, the GCSEs were released and I mainly got to know about it via colleagues sharing on groups I belong to what uni and couses their kids got. Those kids would have been trained to take no permission to succeed. Also recently bumped into an Indian health care assistant (on near minimum wage) putting in extra hours so they can purchase a house in the catchment area of a sought after school all so her child can go to a top uni. I'm not writing this to convince adult folks to unapologetically aim for the top but rather for us to inculcate in our kids (for the sake of the black race if not for anything) the belief that heading for the top is not an exception but rather the expectation and equip them appropriately. 19 Likes 2 Shares |
Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 6:34pm On Aug 30 |
Goodenoch: LISA vs Pension There's no hard and fast rule. Recently found myself in a similar situation but this time considering whether to only use a S&S ISA or also use a LISA. LISA has the 25% bonus on entry but for a higher rate tax payer. The rebate on a SIPP is 40% at that rate. I stumbled on some independent analysis of both and it seems most people would turn out better with a SIPP. Another consideration is the ISA vs SIPP. As an ISA gives the added flexibility of withdrawing at anytime e.g to fund early retirement until other pensions kick in. |
Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 7:00pm On Aug 30 |
edmasta01: It's worth being careful with such. There are tons of tiktok and YouTube videos of 'property millionaires' discussing how to flip properties. Many of these 'millionaires' might make more money from YouTube than any property (if at all). I considered it but on looking in, got more details. First, if a property only needed paint to achieve an extra 40k, valuation, the vendors would paint it. Most of the doer uppers I see are already priced in a way that cost of renovations are taken into account and unless you're doing heavy renovations like fitting new kitchens or bathrooms yourself, you might come short. I recently had to cost the price of a new kitchen, bathroom and other bits on a property I was looking at and saw it'd only work at 40k below asking which vendors were unwilling to consider Looking at your examples, take a few costs into consideration. That of conveyancing (solicitors e.t.c) is in the thousands. Also, once you get a BTL mortgage, you start paying monthly for an empty while you're doing renovations. Putting a property back on the market withing a short period can raise suspicions with some lenders declining to mortgage it without a good reason. Overall, you're looking at 6 months at least of mortgage payments on an empty house. When you sell, there's capital gains tax to pay on profits. If one is not seeing a good uptick in value which simple repainting would hardly achieve then it's worth threading with caution. Reason why for such endeavours people use cash or bridging loans which are more expensive than mortgages. If you decide to rent, it's worth taking into consideration the recent tax changes if the property is owned in your name. If one decides to incorporate, it's worth being clear-headed on the numbers it takes to make things work. Overall, property can be a good invested but it's for many a longterm game and important to consider changing rules. 7 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 7:04pm On Aug 30 |
lavida001: Hehe... the dynamics behind aid is far reaching. The US does not have universal healthcare but give billions in aid. China has it's domestic challenges but do same. There's a reason for aid and it goes beyond the surface 1 Like |
Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 7:18pm On Aug 30 |
edmasta01: Hmm... 100% is a bold thing to say especially in investment. Looking back, property just about tracks inflation. Adjusted for inflation, property prices are in the UK today similar to what they were 2 decades ago. A global index or the S&P is at an close to an all time high. Property only begins to shine when you factor in leverage i.e using the banks money to achieve profit. But then, one needs to know how to utilise leverage i.e taking a mortgageat for a sum and allowing inflation devalue the sum borrowed. The downside of property us the direct tax exposure. As we've seen over recent years, when the government is set on a group e.g landlords, they can turn a fledged business into a struggling one.
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Re: Living In The Uk-life Of An Immigrant (part 3) by Controlv: 8:51pm On Aug 30 |
Knowlegeseeking: Yes,it's from tgtg app. Simply type co-op in the search bar and it will display all the coop stores nearby. |
Re: Living In The Uk-life Of An Immigrant (part 3) by adeolaspecial: 10:43pm On Aug 30 |
giselle237: Alright. I'll give them a call again on monday to see if i can get the manager to speak with. I'll give an update on here |
Re: Living In The Uk-life Of An Immigrant (part 3) by Cyberknight: 6:09am On Aug 31 |
jedisco: Badenoch is just another politician - empty words, no proven competence, no policies to offer other than endless culture wars and identity politics. Drearily, she's just another one in a long line of minority politicians who feel they can achieve something beyond the colour of their skin - her loud silence and eventual parroting of the party line during the recent race riots a case in point. As the race riots showed, no matter how much you try to form oyibo, no matter how much you claim to say the things they want to hear, no matter how many fake accents you assume, the day jungle mature, someone somewhere will stand at a checkpoint and profile you by skin colour and ask you : "Are you English? Are you white?" 4 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by ReesheesuKnack: 7:11am On Aug 31 |
Cyberknight: The difference between you and Jedisco is that, Jedisco saw a telegraph interview, of a politician he ‘doesn’t always agree with’. Jedisco watched the interview from beginning to end. He picked up ⬆️ the good points and the lessons and learned/resolved to make a difference in the lives of younger generations. You, on the other hand (I’m not sure you watched the interview from start to finish) decided to regurgitate your inherent bad feelings about Kemi. Welll, Jedisco has made very vital points. The points made were the reason I watched the interview myself. Just like Jedisco, I may not agree with Kemi all the time but I have picked the positives and I’m sure my kids will learn from Kemi. 12 Likes 1 Share |
Re: Living In The Uk-life Of An Immigrant (part 3) by Goodenoch: 8:40am On Aug 31 |
ReesheesuKnack: If you are not sure that the person you quoted watched the video, then are you not doing the same thing you criticized by “regurgitating your inherent bad feelings” about them baselessly? Or is it that when anyone doesn’t reach the same conclusion as you they must be acting in bad faith? On the subject of Badenoch, she’s clearly a good talker and she has accomplished a lot for herself, so she’s inspirational in that way for people who want to be good public speakers and politicians, but as a public servant, she’s mediocre at best, objectively. She doesn’t have any landmark accomplishments, policies etc either at the constituency or national level despite holding major cabinet positions. All that aside, the fact that she stayed silent (I still genuinely find this incredible) through some of the most dangerous times for the people she loves to claim that she’s one of (“first generation immigrants”) and is only now slithering out to parrot platitudes tells all one needs to know about her character. 2 Likes |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 9:05am On Aug 31 |
adeolaspecial: So assuming the building is billed £10000, assuming building got 10 flats, each flat receives a bill of £1000........ So that flat with single occupancy is paying same, as other flats with multiple occupancy...... Not a fair way of sharing bills.... If you own the property, ask for a water meter, if you are renting...... You have other options to explore....... Are you aware if any of your neighbours has water meter installed...... |
Re: Living In The Uk-life Of An Immigrant (part 3) by Lexusgs430: 9:09am On Aug 31 |
Bukorlar10: Ghost immobilizer + 360° dashcam....... 👻 6 Likes 2 Shares |
Re: Living In The Uk-life Of An Immigrant (part 3) by ukay2: 10:17am On Aug 31 |
Lexusgs430: Problem with living in flat accommodation |
Re: Living In The Uk-life Of An Immigrant (part 3) by justwise(m): 10:47am On Aug 31 |
justwise: Update on this…. So after back and forth with the company he was contacted two days ago by the company that the HO has given him temporary permit to continue working until his application is decided. @Cyberknigh I think the case in the article you shared regarding this case might have prompted the HO to do a much better job than blanket refusal 2 Likes |
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