Viruses:
How is mortgage excess paid?

Is it to increase the monthly DD or login to your account and make one off payments?

Both are usually acceptable, but just check with your provider as there sometimes is a maximum overpayment you can make in each period or yearly.

What an interesting evening on this Seun Osewa's land. From NHS to graduate visa.

Anyway, people shouldn't expect much coverage of MAC report on graduate visa route benefits. If reverse were the case, trust the media to go agog because that much more suits the parasitic migrants narrative they like pushing.

ReesheesuKnack:


Guy, PSW was NEVER massively abused.
What was massively abused WAS the Tier-4 Student Visa. Where folks pay £2,000 deposit. Use fictitious PoF, get into the UK, then abandon their studies. Use the ‘balance’ of the school fees to BUY Health & Care (Carer route) visas.

And the Government plugged that hole.
There was never ever a time that the PSW was massively abused. NEVER.

Whereas your argument holds true that the PSW comes after the Tier-4, they are NOT the same.
The Tier-4, not the PSW visas is the one that funds and subsidises the University fees for UK students.

The two visa are totally different. That letter by the MAC mixed them up… I’m sure on purpose.

Again, you are missing the point. Yes, they are two separate visas, but without Tier 4, there’s no PSW!

You are focusing on the article saying that the PSW was abused. The follow-up text spoke about shady agents and their practices in getting students into the UK. So obviously, students cannot use the PSW to study; what they use is the Tier 4 visa. 

If the Tier 4 visa is being abused like you’ve mentioned, then the PSW will be reviewed and most likely scrapped! Again, that is the point of the article: to fight for it to continue to exist so that more international students can come into the UK to continue to fund their system.

And like you said, it was most likely intentional because they are indeed fighting for it to remain.

Either way works, but you still have to reach out to your mortgage provider to either increase the direct debit amount as you may not be able to increase it on your own or you find out how much your overpayment allowance/limit is annually. It usually varies between 10 - 20% of your outstanding loan amount.

If you make a bulk payment ensure to clarify with the Mortgage Advisor whether you'd like to maintain your monthly repayment amount or have it reduced with the tenor remaining the same (this is where they usually make the mistake).

Viruses:
How is mortgage excess paid?

Is it to increase the monthly DD or login to your account and make one off payments?

Congratulations to myself and thank you for your kind words.
After relentless effort had been put into the job interviews, myself and wife got job eventually. We give God the glory

I have accepted and signed the offer and awaiting the full contract. The school does a have a sponsorship license but I did not inform the school that I would need a sponsorship during the interview. I made it known to the HR after signing the offer and then she responded that she will need to confirm from the trust. Days later she gave a call that the trust have exhausted their quota for the year and would only be able to know "if I will be sponsored by June"

The issue now is, schools will close all interviews adverts towards the end of term and next will be when they resume in September. There's post study visa option but quite expensive. Should I push further for the HR to give a definite answer if I will be sponsored by June or should I try other school?

Secondly, if I get an offer from other school and accept theirs at this time, it may result in a professional misconduct as I have signed and accepted an offer elsewhere before. Kindly put me through on this issue as I do not want to risk withdrawal of offer due to pressure being put on HR for sponsorship process with the Trust. Visa will expire by August

headofschool:
Goodday Seniors, I have been on my third interview for a teaching role in design and technology. Although I got almost 15-20 interview invite but I declined to those with sponsorship.

The locations of the schools I have done my interviews were East Finchley, Ilford and Mansfield Woodhouse.

The schools commended my subject knowledge and assessment, behaviour management but gave what I'd like to call flimsy excuses for reasons not to go ahead with hiring. One even said I did not address myself as 'Mr' to the student.

Where do you think I am getting things wrong?? I am refusing to attribute it to anything related to 'racism'.

Same thing with wifey, the hiring team for her admin role in NHS said loud and clear "sincerely, you ticked all the boxes and there is no area we can say you needed to improve but we are sorry, we are just unable to hire you" this was their response on phone call (phone on speaker, so i heard too), after she had gone for the interview.

What tips or advise can you give us, it's getting frustrating

Are folks on dependant Visas exempt from the new entrant rule?

Cc Zahra29

Pardon me if this has been answered previously, I might have missed it.

Hkana:
Are folks on dependant Visas exempt from the new entrant rule?

Cc Zahra29

Pardon me if this has been answered previously, I might have missed it.

No, dependants can also qualify if they meet one of the relevant criteria (broadly outlined below):

1.Being under 26 years old at the time of application.
2. Holding a postdoctoral position in specific occupations.
3. Working towards a professional qualification, full registration, or chartered status in a relevant profession.
4. Transitioning from the Tier 1 (Graduate Entrepreneur) visa, Tier 4 (General), or the student route.
5. Holding a previous Graduate visa.

Lexusgs430:


It starts from the government.... But a government that cannot supply pipe - borne water, can NEVER offer free healthcare services for all.......

The dynamics are too complicated for them.. ...... If it's how to steal public funds or rig elections, that's their existence of living........

It’s starts with you and I. Movement of the people is our solution to revive Nigeria. Join MOP today and let’s take our country back & Make Nigeria great again.

dupyshoo:
I agree with you.
In my family, we recently got opportunity to relocate to both Canada and Australia with all expenses paid.
We declined the offers after considering the cons and pros. We realised that the move will not necessarily make our lives better. In fact, one of them would even make us financially worse off.

This is not to say that it won't be a better move for another family. It is on a case-by-case basis.

Could you state the con pls

Zahra29:


This is much better English, well done!!!

Keep reading your Brighter Grammar

Choi too many old people on Nairaland. I chop cane tire because of brighter grammar.

Guys let’s understand that We can disagree to agree.

Also we can learn from one another.

Good morning everyone. I got a message from my friend that the 15hours free childcare is now opened and that we can apply. I tried to get the code while applying, but it says i am not eligible as i have no recourse to public fund. I thought this was supposed to be free to all working parents. Or is there a way to go about it.

I think the household income must not be more than 26500 for you to be eligible if you have no recourse to public fund.

adeolaspecial:
Good morning everyone. I got a message from my friend that the 15hours free childcare is now opened and that we can apply. I tried to get the code while applying, but it says i am not eligible as i have no recourse to public fund. I thought this was supposed to be free to all working parents. Or is there a way to go about it.

Joy83:
I think the household income must not be more than 26500 for you to be eligible if you have no recourse to public fund.

Can you please shed more light to this ?

It’s not open to everyone. If you have no recourse to public fund you are not qualified. Don’t apply for any code again and wait till your child clock three to enjoy the free 15hrs.

adeolaspecial:
Good morning everyone. I got a message from my friend that the 15hours free childcare is now opened and that we can apply. I tried to get the code while applying, but it says i am not eligible as i have no recourse to public fund. I thought this was supposed to be free to all working parents. Or is there a way to go about it.

Viruses:
How is mortgage excess paid?

Is it to increase the monthly DD or login to your account and make one off payments?

Be careful with overpayment especially if your mortgage is on a fixed term. Some lenders have clauses preventing overpayment of more than 10% of the mortgage value. There will likely be a penalty if you exceed this threshold. Best to check with your lender before overpaying.

lavida001:


Choi too many old people on Nairaland. I chop cane tire because of brighter grammar.

Guys let’s understand that We can disagree to agree.

Also we can learn from one another.

😂😂😂

adeolaspecial:
Good morning everyone. I got a message from my friend that the 15hours free childcare is now opened and that we can apply. I tried to get the code while applying, but it says i am not eligible as i have no recourse to public fund. I thought this was supposed to be free to all working parents. Or is there a way to go about it.

It's open to eligible working parents.
The same eligibility rules as before apply, which include immigration status and household earnings.

The 15hrs from 3 years old is universal and does not require an eligibility code.

lavida001:


It’s starts with you and I. Movement of the people is our solution to revive Nigeria. Join MOP today and let’s take our country back & Make Nigeria great again.

Is MOP a new party?

I admire your desire and drive in trying to make Nigeria better #patriotism 👍

adeolaspecial:
Good morning everyone. I got a message from my friend that the 15hours free childcare is now opened and that we can apply. I tried to get the code while applying, but it says i am not eligible as i have no recourse to public fund. I thought this was supposed to be free to all working parents. Or is there a way to go about it.

There are two 15hrs.
The first one is universal for 3yrs old and does not require you to apply. Just take the child to the nursery, the nursery will claim from the govt.
The other 15hrs (to make it 30hrs) has criteria such as immigration status and salary threshold to be qualified.

As I earlier said, my below points are peculiar to us. It will be different for another family, say a doctor or nurse, for example.

For both,
1. it will take time for me to achieve the same earning power. In fact, getting a job in my field might take time as well. Therefore, our household income will be smaller. Bear it in mind that tax are not different from the UK. I spoke to reasonable amount of people in Australia to reach this conclusion. I already know much about Canada.
2. We can't buy a house immediately, so we will need to rent. Renting is expensive and difficult to get.
3. Things are mostly more expensive.
4. We are both working from home in the UK but my spouse would have to be going to the office. It might mean the same for me too when I eventually get a job. So, it will mean childcare cost, transportation cost etc.
5. They are only willing to sponsor work permit not PR. We don't want to be tied to an employer after what we went through on Tier 2 visa here in the UK.
6. I looked at school for kids and realised education is not necessarily better. We might want to bring the kids back to the UK for Uni, so what's the point?
7. Moving to a new country is hardwork. Kids will miss their friends and might take time for them to adjust.
8. Not keen on the extreme cold weather in Canada and extreme hot weather in Australia. Except for rain, I prefer UK weather.

So, what are we going to gain?
1. 3rd citizenship, maybe. Not sure, if it is worth the stress.
2. Bigger house? Maybe. That's the main motivation but we just got a bigger house here, so not keen anymore.
3. Better healthcare? Maybe in Australia but not in Canada. Waiting time in Canada is similar to the UK. I have 3 siblings in Canada. In fact, most of my extended family live there, so I know a lot about Canada already.
4. Cheaper energy bill and fuel. Yes, this is where Canada beats UK. Other things are mostly more expensive.
5. My spouse will earn more in Australia but if he goes contracting in the UK, he can earn similar amount.

So, what do you think, Is it worth moving?

lavida001:


Could you state the con pls

dupyshoo:
As I earlier said, my below points are peculiar to us. It will be different for another family, say a doctor or nurse, for example.

For both,
1. it will take time for me to achieve the same earning power. In fact, getting a job in my field might take time as well. Therefore, our household income will be smaller. Bear it in mind that tax are not different from the UK. I spoke to reasonable amount of people in Australia to reach this conclusion. I already know much about Canada.
2. We can't buy a house immediately, so we will need to rent. Renting is expensive and difficult to get.
3. Things are mostly more expensive.
4. We are both working from home in the UK but my spouse would have to be going to the office. It might mean the same for me too when I eventually get a job. So, it will mean childcare cost, transportation cost etc.
5. They are only willing to sponsor work permit not PR. We don't want to be tied to an employer after what we went through on Tier 2 visa here in the UK.
6. I looked at school for kids and realised education is not necessarily better. We might want to bring the kids back to the UK for Uni, so what's the point?
7. Moving to a new country is hardwork. Kids will miss their friends and might take time for them to adjust.
8. Not keen on the extreme cold weather in Canada and extreme hot weather in Australia. Except for rain, I prefer UK weather.

So, what are we going to gain?
1. 3rd citizenship, maybe. Not sure, if it is worth the stress.
2. Bigger house? Maybe. That's the main motivation but we just got a bigger house here, so not keen anymore.
3. Better healthcare? Maybe in Australia but not in Canada. Waiting time in Canada is similar to the UK. I have 3 siblings in Canada. In fact, most of my extended family live there, so I know a lot about Canada already.
4. Cheaper energy bill and fuel. Yes, this is where Canada beats UK. Other things are mostly more expensive.
5. My spouse will earn more in Australia but if he goes contracting in the UK, he can earn similar amount.

So, what do you think, Is it worth moving?

You forgot to add annual leave and holiday entitlement . You would probably go from circa 6 weeks entitlement to maybe 2 weeks in Canada. I also don’t think Canada’s maternity leave is as liberal as UKs.

We are not really keen on Canada TBH. We got the PR in 2016 but we decided not to leave the UK. So, it was really quick for us to dismiss the offer.
It was the Australia one that we were hoping to explore.

Peerielass:


You forgot to add annual leave and holiday entitlement . You would probably go from circa 6 weeks entitlement to maybe 2 weeks in Canada. I also don’t think Canada’s maternity leave is as liberal as UKs.

Any cleaner around North London (palmers green) in the house? ( female) preferably. My mother-in-law need a one off house cleaning this week because her cleaner is away, 4 hours cleaning ( sitting area, Kitchen, entrance hall, landing, stirs and bathroom. ) the largest is the kitchen which shouldn't be more than 13 by 10. £15/h £70 for the day (if you want naija police roadblock pattern that's ok)
Thursday 16th May or Friday 17th May start time is from 11am -1pm.

This is a one off cleaning but if you are better than her cleaner. She will extend an offer for a weekly cleaning.

Zahra29:


Well said Negative Nancy, carry on - you're doing a great job 👍

Thewritingnerd:
Thank you, Positive Prisca 🥹🫶🏾

Please is the national drivers license we have in Nigeria accepted in the UK?

lavida001:


It’s starts with you and I. Movement of the people is our solution to revive Nigeria. Join MOP today and let’s take our country back & Make Nigeria great again.

Banana dey spoil, people dey say e dey ripe........

When it gets to a point where SAGA is quoting one for insurance, it's time to relax ........😁

The battle is the lord's........😂😁🤣

Elders in the House, I hail thee!

Firstly, thanks for your earlier advice. I have reached out to the HR and we agreed to move resumption forward. I don come again with questions, please pardon me. The opinions I do get here with my personal research have always helped me to make some informed decisions.

This is my second year here in Uk and I really need candid advice especially from people in finance. Which sector is more preferable between Consulting and IT in terms of job security and career progressions in the UK ? I recently accepted an offer with a Consulting firm although I would be working with in-house finance team and just got another better offer with an IT company as a senior finance accountant which I also accepted with the intention to reach out to the former that I would not be able to resume again but while discussing with a close friend and wife , they both advised I stay with the consulting because of the job security. I really want to be stable and gain considerable years of experience in UK as I have always been a job hopper .

I am also very careful because I was in a Year FTC which I was already promised a renewal of contract when it was just 2 month to finish but later got a No when it’s 3 weeks to finish that there’s no enough budget and lotta finance transformation is on going.
I need more opinions as both roles are in London and align to my skill, experience and career aspirations. I do not want to make any mistake because Job market seems saturated. Thanks

Cc
Dupyshoo
Lexusgs430
Zahra29

hyzich:
Elders in the House, I hail thee!

Firstly, thanks for your earlier advice. I have reached out to the HR and we agreed to move resumption forward. I don come again with questions, please pardon me. The opinions I do get here with my personal research have always helped me to make some informed decisions.

This is my second year here in Uk and I really need candid advice especially from people in finance. Which sector is more preferable between Consulting and IT in terms of job security and career progressions in the UK ? I recently accepted an offer with a Consulting firm although I would be working with in-house finance team and just got another better offer with an IT company as a senior finance accountant which I also accepted with the intention to reach out to the former that I would not be able to resume again but while discussing with a close friend and wife , they both advised I stay with the consulting because of the job security. I really want to be stable and gain considerable years of experience in UK as I have always been a job hopper .

I am also very careful because I was in a Year FTC which I was already promised a renewal of contract when it was just 2 month to finish but later got a No when it’s 3 weeks to finish that there’s no enough budget and lotta finance transformation is on going.
I need more opinions as both roles are in London and align to my skill, experience and career aspirations. I do not want to make any mistake because Job market seems saturated. Thanks

Cc
Dupyshoo
Lexusgs430
Zahra29

Good news re the bolded, I'm glad it worked out and you can now focus on your new baby and family.

Congrats on the 2 job offers. Consulting is normally a great field to be in, but it's struggled in the last 2 years as most clients (especially FS) have become more cost aware and are adopting cost saving strategies such as making more roles perm or offshoring.

It shouldn't matter as much if you'll be in-house versus client based...however, try to do some research on the consulting firm - e..g. press releases, Glassdoor comments/reviews, company accounts over the last year. Have they been involved in one or more compulsory or voluntary redundancy rounds? This should give you an idea of the job security and likely prospects.

dupyshoo:


So, what do you think, Is it worth moving?

We have moved 3 times now through husbot's job. Once you settle and scratch the surface, all western countries are much or a muchness except the US. Singapore and Hong Kong are in a different league (very high salaries, exceptionally high cost of living)
Even with a full relocation package, starting afresh each time was hard! It gets to a point and one justs stays and puts down roots.

dupyshoo:


So, what do you think, Is it worth moving?

We have moved 3 times now through husbot's job. Once you settle and scratch the surface, all western countries are much or a muchness except the US in some respects.
Singapore and Hong Kong are in a different league (very high salaries, exceptionally high cost of living)
Even with a full relocation package, starting afresh each time was hard! It gets to a point and one justs stays and puts down roots.

dupyshoo:
As I earlier said, my below points are peculiar to us. It will be different for another family, say a doctor or nurse,
So, what do you think, Is it worth moving?

Add proximity and flight cost to Nigeria and European countries, if one still have family back home and keen on travelling.

Even from a Doctor perspective, most of what you have listed above applies and hence why we have suspended the idea (at least for now).
Although the NHS and GMC is making it really tough and difficult to practice here.

Like I always say it rains everywhere, one just need to choose your "hard" and stick to it.

To move to Australia as a Doctor, you will need minimum of 20k AUD for licence registration and then apply for visas (PR for a family of 4 ) for it to even be achieved and not to add relocation cost and hassle.
Secondly, one will need to practice in a DPA (Distribution Priority Area) for 10years which is updated frequently and largely away from the popular and bustling cities like sydney, Victoria etc. And the current locations are largely the Regional areas.

Being in such an area would likely mean lesser chance of finding a suitable job for the spouse coupled with childcare cost, travelling for work etc

If one moves without PR, you will have to pay for the kids school fees, health insurance etc and you will not be entitled to a lot of benefits just like the UK.

Imagine after all the wahala here in the UK, and for a second time, you will essentially take all of ones savings or more with the hope of a better life which may or may not be the situation.

Ofcourse canada is a good option where everyone is moving to as well, but all of those cons still exist with the dwindling job market and high cost of living.

Middle east is a good option that balances all out except for citizenship if one doesn't mind.

I have got people taking sabbatical with their employer in the UK to go test out waters over there.