₦airaland Forum

Goke7:
Wow, UK, you do this one!

jedisco:
Is £75k actually top-15% in the UK? Interesting.
I agree, certain pay uplifts there are surreal. But even on a direct level, on comparing the pay for most roles - nurses, engineers, IT folks e.t.c, the average pay there does come out significantly higher. This is not even taking into consideration that the U.S is a more vibrant economy with better labour mobility and options to choose from both within and among states. This would allow many build side-gigs e.t.c. Housing is for the most part, relatively cheaper too or at least, you get a bigger house for your money.



Hehe.. Brexit. For some reason, they generally seem more opposed to universlly free healthcare. Maybe it's capitalism at work



The UK system is brilliant but I don't think it justify the tax paid. Or better put, the cost would be much less if certain safeguards were in place. I manytimes tell myself that if people paid £5 per visit (with appropriate safetynets), that would at least cut the number of contacts I had by upto 25%. Imagine what the consumption of petrol would be if it was 'free' at gas stations
Free stuff no dey belleful.

Goodenoch:
1. We're discussing individual choices but overall statistics give an inkling of the average experience, as opposed to focusing on outliers which is what people earning 75k in the UK or 150k in the US are (both circa top 15% earners in each country).

You're fully right though, about using savings to self-insure, and that's where individual analysis comes into play. There are certain salaries which would make me pack my bags and get on a flight this evening to NY, but again statistics reflect that such offers are very rare and that's where using public health stats to assess individual risk vecomes neccessary.

2. As to why most US people aren't calling for a public healthcare system, I don't know but it doesn't matter. Populaces around the world regularly vote for foolish things that come to bite them in the butt.

3. I'm not saying the UK NHS is the best healthcare system in the world. It's very good and substantially justifies the tax levels, is my sole point. Obviously there are a lot of areas that need to be optimized but the UK ranks very high on the vast majority of public health metrics.

jedisco:
Is the discussion here about healthcare systems for a nation or individual decisions based on healthcare?

As an individual, Europe (esp the UK) is a good place especially for lower earners many with its safetynets, the downside is that growth is quite restricted. If I was to survive on a minimum wage job (with no progression) in both countries, the UK is a no-brainer.
OTOH, a 75k (gbp or usd) earner here could manytimes earn the equivalent 150k in the U.S. The person in the U.S would pay less tax but have less employment benefits. They could decide to still use savings to get good healthcare cover and still come out better at the end. Between UK and the US, the direction of flow among working professionals is quite clear. There'd be a reason for that.

For a nation, the European healthcare system is better. But then, have you ever wondered why despite all those, instituting a free healthcare system does not seem to be a vote winner for Americans? Even Obamacare faced loads of opposition. I used to also wonder why a country so rich wasn't pushing thru with unviversal free healthcare until I appreciated certain unsaid nuances. America is an outlier in many respects and their unbridled thirst for 'growth by all means' does have it's downside.

If the discussion is about healthcare systems, them some fee paying ones are arguably better than the NHS. Singapore for example set up their health system to minimise some of the issues they envisioned would arise with a universally free one. They made sure for the most part, people pay for it with appropriate safetynets. The UK spends about 11% of her GDP on health, they spend less than half but still have brilliant outcomes (even accounting for lifestyle choices)

jedisco:
For a population, a system like the NHS is enviable. On an individual basis, the considerations are different.

Many people could double their income and pay less tax while doing same job just by moving to the U.S. An out of pocket insurance would cost much less than the extra tax paid in the UK and also guarantee prompt care -reason why many head that way.

Also, it does seem that universal free healthcare is not a political priority for most Americans. They have interventions that protect most who are struggling and many Americans would say the scaremongering about their healthcare seems to come from Europe and is hardly that way on ground - of course, this is punctuated by stories of some who fell through the cracks.

Lastly, the NHS model is increasingly being called into question. While brilliant, it's sustainability as it matures is suspect. Bottomline is that people would tend to misuse what they see as 'free'. Some countries are now able to achive better or similar outcomes while spending comparatively much less. Even in France, folks pay for GP appts, in Canada, many clinics would charge for missed appts (just like my UK dentist would), in Australia there is copay e.t.c.

Goke7:
That’s where the issue is, folks don’t really enjoy the reward of their labour and the so called free healthcare and other perks don’t really compensate for the huge chunk of taxes. It’s also the reason many prefer to rely on benefits than to work themselves out for others to benefit from their huge taxes

Meogom:
Good day my ppl. Please I need advice.

Got this quote from a solicitor, I can see many things are not included, abeg will it come back to haunt me? Abi I can do without those things mentioned. Cos the other quotes I'm getting are quite high. It's only this one that is reasonable (£2047) but I can see many things are not included.

TouchOfSpice:
Hi Everyone.

Please i will like to seek your opinion , With the ongoing challenge regarding the proposed immigration policy,

Is now a good time for an immigrant currently on a Skilled work visa to consider buying a house (Prior to the release of the white paper, We had indicated interest in buying a house, our offer has been accepted and we have started the mortgage application process.

After the white paper release, I have started developing cold feet and reconsidering my deceision ,

What would you advise>

Thank you.

Viruses:
Exactly, I'm just reading all the comments.

If we all get ILR today, besides benefits that we shouldn't plan our lives around, what else is there. I really do not see any difference between how I live my life now and how I will live it post ILR. Everything I would do as a citizen I'm already doing.

The major issue I see is renewal fees and limited choice in changing jobs/career which could lead to exploitation and dissatisfaction.

Zahra29:
Hey! I was thinking about you the other day - good to have you back here. Hope you've been keeping well.

I hear she's defected from Labour to Libdems lol
The "competent man" Starmer has disappointed many. Not much daylight between his policies and those proposed by the racist Kemi/Tories.

Cyberknight:
Lol. For what its worth, these negotiations were started under Johnson and carried on by Sunak and now Starmer, so at some point Badenoch was involved therein and may rightfully claim some of the credit (if it is generally accepted by her side that its a good deal for the UK, of course).

mex551:
. Assuming you invest £250 monthly in S&P500, how much will it yield in 25years?

I asked Mr Ai😀😀😀

Zahra29:
It's also interesting that Starmer KC described it as a loophole in Parliament and went on to say that he had taken measures to ensure it couldn't be used going forward. You should write to him.

ukay2:
£250 monthly overpayment has saved me £91,000 in interest in 1 yr and 6 months...


What has your overpayment saved you in interest?

Zahra29:
Even the loophole that some Palestinian families were going to use to apply for humanitarian protection in the UK has been exposed and is to be closed.

Zahra29:
Hmm, data like this lends credence to the govt argument and subsequent clampdown on education being used as a backdoor route by some nationalities.

OgbeniOptional:
I don’t understand how some people think in that country. What has GTB got to do with EFCC arresting someone illegally? Is GTB that stupid knowing how much damage it would do to them? Also, there is no protest or noise in unison about insecurity, none for the terrible economy, a Christian girl was murdered in the North sometime ago, there is no noise in unison but they can shout/protest when a hand touch someone with a name. It is just stupidity in my opinion.

UnconventionalT:
Happy Sunday Y'all

it's been 6 months since my friend applied for his post study visa, and it hasn't been granted. His work place have given him till 9th of this month to provide proof to work documentation and failure to do so could result to getting a sack.

He said he has paid a lawyer, can this move result to anything positive? He said the lawyer will write letters to the work place etc
I don't want him spending money in vain.

Thank you

tenminutesmaths:
This is going to be a bit long as I want to say it all.

justwise:
[/b]

...for treating her almost better than they treated themselves and their kids.......? Or at some point they treated her the way they wouldn't treat their own kids?

justwise:
…before or after they do their duty without demanding for bribes?

LORETA:
Good morning guys, Happy easter to you.
Please is there any ban on me bringing dried Goat meat and dried cat fish to the uk.
I will be bringing a Whole goat meat cut and dried in pieces put in zip log bags.
Also the cat fish will be about 100 pieces in Ziplog bag too.
Please advice.
My entry is Heathrow airport.
Thanks

Hkana:
I have a question for anyone on a Visa who recently returned to the UK.

Did you present the expired BRP like that or was it your share code you presented at the entry point?

jedisco:
Starmer has done a good job of cozying up to Trump. I gather the UK are top in line to receive American freebies.

Still wondering what is going on between us and China though. Lots of back and forth but this governments message has been clear- we need them. I'm beginning to appreciate Starmer's diplomacy with both the U.S and China - cozying up to them but standing furm on local issues.

jedisco:
Trumps shenanigans and Starmers handling of it hasn't given her much wiggle room. Truth be said, Starmer has been doing the lords work on her lately - she no dey remember 9ja. The media cancel on her is quite strinking though. Whenever she's in the news, its either because of a gaffe and her removal being predicted or on certain reportage where due to fair reporting rules, her opinion has to be included as the opposition.

EJIOGBENIMI:
Please what’s your thoughts about semi-detached and detached properties. I’ve inspected some properties this week. We fell in love with 2 of them. They’re both in the same development. Property A is a 4 bedroom semidetached with 4 toilets. My madam is in love with this property due to the top notch finishing. The sitting room and the kitchen was finished with porcelain tiles and the fittings really enter my eyes. It’s a well maintained property. The bathrooms are top notch too. This property has parking space for 1 car. We use 2 cars . We can always park the second car by the road side.
Property B is a 3 bedroom detached, 3 bathrooms with a garage plus space for parking 2 cars. Neat and simple finishing with laminate flooring. Same price range. I’ve seen the survey reports for both. I may pay a little more to win the offers for B, based on speculations of being more popular with more potential buyers.
I’m currently renting in a detached property. My colleagues were pointing out some cons of buying the semidetached. They think I can always fix things up in the detached property, including converting the garage to an extra room in the future if the need arises.

jedisco:
Though coming fairly late, kudos to Kier Starmer for showing a human face to the care worker issue. I wonder what Kemi would have done.

https://www.gov.uk/government/publications/support-offer-to-international-asc-workers-whose-employers-sponsor-licence-has-been-revoked/support-offer-to-international-asc-workers-whose-employers-sponsor-licence-has-been-revoked

Zahra29:
Oh yes, here you come releasing your special "mind reading" gift again 🙄 I do hope that you're monetizing this amazing talent lol

Look it's a lovely sunny Friday 🌞 Don't be angry - it was never my intention to deprive you of your right to complain. I already said that it's a free country and so you are free to moan, complain and be as negative about the UK as much as your heart desires.