NewStats: 3,264,979 , 8,185,266 topics. Date: Friday, 13 June 2025 at 03:46 AM 2t2k2z

It’s simple. Call your bank and report the transaction Get a court order and also report to Police they will freeze the and arrest on sight.

Khalifa99:
I looked him up on telegram also he blocked me

romney678mitt:
i selected married and included her name because we were living together and was about to start marriage rites before things fell apart. I had submitted the application for the visit visa before we split

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...

Pls what is the average rate for exchange now?

Khalifa99:
I see reasons why most of you say things like stay away from any Nigeria but I always think it can’t be that bad but what happened to me this morning made me understand that we Nigerians are truly our problems

Only for few mins to noticed he blocked me

Here is the number +234 702 525 2570
He calls himself mr REx

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.

Khalifa99:
I looked him up on telegram also he blocked me

If you know any top managers in GT Bank, your money would be refunded within 48 hours........

Lexusgs430:



Opt into NHS pensions + invest in a SIPP portfolio ......

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?

mintyx:


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?

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)......

Lexusgs430:


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)......

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?

mintyx:


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?

Start by ing here .......


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//oyedeji/fda60720

Khalifa99:
I looked him up on telegram also he blocked me

Report the transaction to your bank and possibly his and followup. They will like block his .

Lexusgs430:



If you know any top managers in GT Bank, your money would be refunded within 48 hours........

Oga I tried reaching you about your tv package thing. But your line seems inactive. Anyway to reach you?

Lexusgs430:


Start by ing here .......


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//oyedeji/fda60720

I'm interested in this, can you shed more light please.

romney678mitt:
i filled married because that was what is on the profile and j didnt want to mess my application up.

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?

mintyx:


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?

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 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.

justwise:


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?

yes i do, so i should basically change the info i have on file and apply for wife and the new kids right?

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 .........

Juice191968:
Guys i just relocated to london. Can anyone help list nice areas where i can get accomodatin (i would prefer a place dominated by blacks/Nigerians)

Peckham
Woolwich
Thamesmead
Dagenham
Romford

mintyx:
Hello house, good morning.

Thanks all for the useful information here. While going through the page, I used someone's link to apply for Amex credit card and got approved for £4k and I'm just 3months in the UK.

I have a question though concerning pension. I came in via tier 2 sponsored visa and work with the NHS.
From the information I gathered here, it seems pension won't really be beneficial to me since I'm above 30 (and one needs to put in like 35 years to able to get full pension benefits)

Based on the info above, can I opt out of pension and invest the money myself? Also, if I opt out, are there "side effects" to opting out?

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 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.

romney678mitt:
yes i do, so i should basically change the info i have on file and apply for wife and the new kids right?

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.

BorisJohnson:


Those 2 don’t go hand-in-hand. Strictly from my experience.

Peckham comes to mind.

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.

I still have a few slots left

We'll both get £20 when you Chase Bank UK and pay in £20. Get started: https://link.go.chase/emNK/refer?code=5L8MmIqi. T&Cs apply.

mizGene:
Pls what is the average rate for exchange now?

why dont you just use lemonade app?

@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 iralty) 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:


Peckham
Woolwich
Thamesmead
Dagenham
Romford

romney678mitt:
yes i do, so i should basically change the info i have on file and apply for wife and the new kids right?

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?

justwise:


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?

i am not sure because the divorce process i have to 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.

midasfx:
Good morning my country people,I don’t know if this has been asked and answered, does the energy rebate qualify as public funds? Just got a mail in the post asking for my bank details.

no

CheesyTee:
Make Una use mine to me at Chase UK and both get £20. Get started: https://link.go.chase/emNK/refer?code=ekuR2vHb. T&Cs apply.

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!

Peerielass:


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 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.

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.