₦airaland Forum

Zahra29:
Actually British/european men of a certain age are regularly profiled/scrutinised/ given a raised eyebrow when they visit certain islands and destinations that are known for sex tourism, especially with underage girls. There have even been sting operations set up to try and catch potential offenders and protect vulnerable, under age girls. Sometimes innocent men get profiled but it's unfortunately down to the heavily publicised, nefarious acts of the few. That's life.

Common sense should tell you that not all profiling is bad or racist. Profiling is used in a host of scenarios. If intelligence profiling causes the police to stop and search a boy who was then found to be carrying a knife and on his way to attack someone, then I'll be very glad that he was profiled and a life spared.

There is obviously a difference between intelligence profiling/increased scrutiny and racism/blanket stereotyping which I'm not condoning - even though you're always so eager to think I do.

For the rest of my thoughts, please see my response to Cyberknight.

These red herring arguments are ridiculous. Let me break this down in more simple terms:

First, the point is not that sometimes people don’t get profiled for other things. It’s that if an innocent person were to voice out about being unfairly profiled, they would never be told (assuming the person they’re speaking with has common sense) that they are “crying discrimination” because they have every right to speak against being unfairly targeted and not to be burdened by random peoples crimes.

Second, nobody has said all profiling is bad or racist. The point was profiling based on nationality and nothing else. Your point about intelligence profiling leading to the prevention of knife crime doesn’t make sense because police “intelligence” implies credible information, and not just “that’s a Nigerian/black person/Eastern European/disabled person) so let’s arrest them because another Nigerian/black person/Eastern European/disabled person was caught committing a crime at some point”. That is racism and not anything to do with intelligence, just like any attempt to equate the two.

Zahra29:
And I'm pretty sure the Home Office would be paying greater attention to certain groups going forward.

Nobody said that’s not how the system works - that’s the whole point. We know it is racism and will call it out as any sensible and moral person should because it makes zero sense to be held responsible for the actions of someone just because they are Nigerian like me and 200 million other people.

The point is that you said that people who speak up against it are “crying racism”, dismissing it and making it seem that they ought to accept responsibility for being profiled for no other reason than that they share a nationality with this person?

From your own examples, would you have told a group of elderly people that if they speak up about being discriminated against based on the actions of a random few people whom they share nothing with other than being disabled, that they were “crying discrimination”?

No you would not have, and it’s clear why now.

To be clear, the point is not what society thinks or how society behaves, it is that your comment has shown how you think, no matter how much you try to dress it up in ‘independent critical thought’.

Zahra29:
Then when the system becomes stricter and they start profiling black folk, people will cry racism.

But it would, in fact, be racism to profile black folk on the basis of the actions of this person and however many clients she had.

I had never heard about anyone impersonating people in that exam. I didn’t know it was possible or that it would even be something anyone would consider for the same reasons you stated. Nothing I’ve seen indicates that it’s widespread or common or even beyond this person.

Therefore, it would be the very definition of racism to profile people based on it. You should reflect on why you can’t see that and instead are saying people who call it racism would be “crying racism”

It is well documented that very many british people have been going around the world for sex tourism (including preying on children), but I’m sure you wouldn’t say that a British person who says they ought not to be profiled based on that, is “crying racism”.

Whether intended or not, this behavior of ascribing responsibility for the bad behaviors of individuals to a collective group and using it to justify abuses is the very essence of racism, and it’s the same thing you have always done. There’s a clear line from this sort of thinking to the legitimization of the attacks on non-white people during the riots last year.

Not sure it matters to you but you should know that.

jedisco:
Our Anchor baby speaks again. Appears she's in need of redemption- thowing everything at the wall to see what sticks. I had spoken in respect of her attributes but it appears she is more interested in digging holes
With the way Starmer has been dressing her up and how her party is polling, its seems like it's only a matter of time before her peers demand her head.


The Conservatives say the period before someone can apply for ILR should be extended from five to 10 years and people should then have to wait a further five years before seeking citizenship.

The party wants the government to adopt the changes, backdated to 2021, by amending its Border Security, Asylum and Immigration Bill due to be debated in Parliament next week.

Hearing her talk about how citizenship should be a privilege people should work for and not a right is amusing considering her grass to grace story is that she didn't even know she was entitled to British citizenship and just suddenly found out when she was a teen or so 😄

Also, she knows fully well that people on work visas cannot access benefits currently but she still announced it as if her proposal is to implement that, clearly appealing to the smooth-brained lot who believe that immigrants get benefits from day 1 and asylum seekers are gifted iPhones, Nike shoes, and cars soon as they get off the dinghys (I'm not exaggerating - check the daily mail comment sections - people actually believe this).

Everything she says and does is in bad faith to prop up her profile and ambition. Once you recognize this, she becomes very simple to understand.

jedisco:
Our expatriate farmers at work. I see Britain let in over 30k farming expatriates last year.

I'm glad the definition was self-given beforehand to limit the room for hole-digging by Z

Talk about tying ones self up in knots.

😄

The whole discussion has been hilarious.

Everyone in the world knows that no one calls farm workers expatriates despite the technical meaning of the word, and everyone knows precisely why, but let those deceiving no one but themselves continue - It's fun to watch.

Kemi Badenough is incompetent and all of this is to distract from that. She is failing spectacularly in her new role and is reverting to what she knows best - rage bait.

I remember asking here for anyone to name her accomplishments in public service other than attaining the positions...still crickets. Nothing she did in any of her previous portfolios stuck. Only thing she's known for is what she says in those roles - never anything she did.

ehizario2012:
This is a typical Nigerian. What a pity. Enter and close the door to others. God nor go shame us.

She's not a typical Nigerian, please.

She's one of several MPs and politicians of Nigerian heritage and she's the only one doing what she's doing.

ToyosiR:
My house-buying journey has finally come to a successful end! 🎉

Well done. Congratulations! And good on you for prioritizing your peace of mind.

I pray you and your family have a lovely time in your new home.

Does anyone have experience setting up/running real estate investment partnerships among friends? I recall madam Ticha mentioning a partnership between her family and other. Has anyone else done anything similar, especially for a larger group (like 5 or 6 persons who are close friends with lots of history but who'll also be putting contracts in place) looking to purchase multiple BTL properties?

My initial research is that it's best to do this as part of a LTD. Just wondering if anyone has any other insights as to what might make this work well, or if it's a good idea in the first place.

Back from today's long run and going through the news thinking "what are minorities going to be blamed for today?".

Nothing, surprisingly. But then the day is still early - let's wait for Badenough and Dump to wake up.

Goke7:
Perhaps DEI too is responsible for such error including spelling Colombia as Columbia

And apparently the plane crash too was caused by minorities, dwarfs, gay people etc etc..

It's all so hilarious in a terrifying way.

Goke7:
where is the lie here, you will blame the media too for misspelling Colombia in a white house statement or a President of an advanced nation saying condoms were used in making bombs in Gaza, there is a lie in that one too abi, or should we blame the media and leftists for opening the mouth of a president to spew trash, kontinu!

That $50 million condoms thing is funny.

It has been walked back by the White House themselves but it’s still being reported by mainstream right-leaning outlets as if it was anything other than the completely idiotic statement it was - see https://www.dailymail.co.uk/news/article-14339691/amp/donald-trump-condoms-gaza-bombs.html

And you know what’s even funnier? So many people believe it and have been circulating it. Just look at the comments on that article. These people seriously believe it and will not even do 30 seconds of googling to realize it’s nonsense. And these are the same people who accuse others of listening to ‘MSM’ and ‘fake news’.

Tomorrow when there’s another riot attacking non-white people I won’t be shocked that one of the “underlying causes” some of the criminals will parrot is that millions of their money is being spent on condoms in Gaza.

By the way, one of the things I realized from following the discourse around the riots (and on subsequent issues like this) on various platforms was that I had grossly overestimated the mean intelligence in certain quarters.

Zahra29:
"Some deal with Nigeria" - not the first time or the last. Besides didn't Nigeria just sell off some mines to France? I wonder what Nigerians are getting in return for this "investment". Any insight on this?

Nigeria didn’t sell off mines to France - https://trtafrika.com/business/nigeria-debunks-france-taking-over-mining-sector-rumours-18240595

Read here for the benefits of the investment deal - https://businessday.ng/news/article/nigeria-france-strengthen-ties-to-boost-mining-development/?amp

jedisco:
Hehe. Maybe they keep it on the back burner cos its considered much higher risk esp for ones pension.

I've never bothered to check the individual stock option as I've never considered it. Vanguard doesn't have it I believe. I just checked investengine but its only ETFs
Dodl (owned by AJ Bell but cheaper) allows one buy individual shares in a SIPP though offerings are quite restricted. Their SIPP fee is 0.15% pa. Used them for a S&S Lisa

I use this to compare broker fees: https://monevator.com/compare-uk-cheapest-online-brokers/

But then, how do you decide on which individual stocks to buy?

Thank you.

My risk tolerance is quite high due to my age (I have 4 decades to go before the statutory pension age, maybe more if it keeps creeping up haha), hence I’m fine with even substantial volatility.

However…..😄, given the events of the past few days and the deep sink in tech stocks (which I’m heavily exposed to via my Mag7 ETF), I’m rethinking that strategy.

I’ll probably just go for a mix of SCGH (my favorite ETF) and a select few stocks. As to how I’ll select those stocks - I’m certain that large tech companies will outperform given how dependent everything is becoming on their infrastructure and services, plus how much political power they’re amassing (I hate it but one might as well profit from it).

SCGH is still heavily weighted toward large cap tech but the presence of other stocks reduces the risk somewhat. For instance despite the huge drops in the Mag7 since the weekend, SCGH has been mostly stable.

Lexusgs430:
I have shutdown my moneyfarm portfolio and selling my positions in T212 & Webull.... Would move most of the funds to investengine SIPP (and go spend some of my portfolio growth in Nigeria next week)...... 😂🤣

I tried shutting down my Freetrade SIPP and move to IE (its about £120 per annum). But IE does not do individual stocks (would monitor position).... 😁

Chief, does any of the platforms you use(d) for SIPP have individual stocks - other than Freetrade with the high fees?

I've tried to check but it seems these platforms are intentionally vague about this, for some reason, and I don't want to go opening accounts in every one to test.

I want to weight my portfolio toward more risk/reward but the platforms I use currently either don't have individual stocks (Moneybox) or don't have an SIPP at all (T212).

Jedisco, if you know any too, please.

It appears that the sheer incompetence in Badenough's leadership and how she fails embarrasingly at every PMQs will be the most memorable aspect of her tenure:

Just see this excerpt from the last PMQs -
https://www.youtube.com/watch?v=LM5cPZogVHM

She aimed the International School Lagos was a poor school , btw.

This is a very nice rebuttal of what she said and her whole political identity generally - https://socialistworkersleague.org/2025/01/24/kemi-badenoch-liar-hustler-and-bully/

2nd amendment - “constitution is inviolable and must be interpreted literally at all times”.

14th amendment - “actually you know what? We are just going to reinterpret the constitution here”.

What should be clear to everyone is that all the talk about constitutionalism, economy etc. are all thin veneers over the actual things bothering MAGA and their counterparts in other countries.

One can take any view as to those concerns but the key thing for immigrants to be aware of is how things might play out going forward (flare-ups of mass hysteria about the economy can be very different from mass hysteria about ethnicity).

In short, plan your lives accordingly to secure yourself and your interests just as transactionally as the country is doing with you.

jedisco:
Hmm..
I've been very careful.. reason I've not delved in yet. Issue with holding is that no one wants to be chasing an upward trending market or only buy when everything is looking brilliant. We can't time these things. I bought my place in 2023 and have no regrets I did rather than hold as many were predicting a house market crash in 2024. Also, it seems more experienced folks who didn't exit the market are now gaining confidence. The headache in short-term rentals is the issue. I want a hands-off approach which I can hand over to someone to manage for a token or an estate agent.


Seriously, I don't get the dislike for landlords. Even as a tenant, I remember stating here that I see my landlord as someone providing an essential service.
Good availability of rentals are essential to a vibrant economy. I've rented in Nigeria and the UK. I'm also enquiring on a rental I might soon move into. I'm grateful for the landlords that rented out to me on fair terms cos without them, I'd have been shafted.

In a free market, demand is a good thing. It's one of the reasons why America commands such power- their consumption is outsizes their population. Supporting the mortgage market is a good thing too. Its the bedrock of every developed society. Jobs are created with every transaction and taxes are paid promptly.
Would it be better for the UK society if people invest money earned in the UK in U.S stocks or in Nigeria? Or would you also question someone invested in REITS which is another way of being exposed to the property market?

What I've seen in my research supports your stance here. Rents are going up at the fastest rate ever in a decade (https://archive.is/U72Rb) and there are still places where it is possible to get double digit yields (https://archive.is/Zpc9v).

On the new regulations (which I support, BTW), even though they'll likely make things more difficult and costly for landlords, along with stamp duty increases and higher rates, it still seems that if one finds the right properties (right now the Northern parts of the country look the most attractive), there's still a lot of potential, especially when one prioritizes the long term capital appreciation over decades.

Stocks are great but the leverage one can get with real estate is simply incomparable at the moment.

[quote author=elengine post=133636382][/quote]I’m not the one you quoted but just my two pence about penny stocks: avoid them, especially for your long term goals - they’re basically gambling.

For long term, keep your money in an all world or S & P 500 index and leave it alone. You can then invest a fraction of your funds in very large cap stocks (e.g. the Magnificent 7) if you’re younger and/or have a higher risk tolerance.

jedisco:
Stumbled upon this and I remembered you and Kemi. Chap is lamenting but wonder what he was expecting.
Broensing thru, it's clear X has really become its kind of SM with rising hate all in the name of free speech

LOL.

This fellow is still ‘questioning’. He should continue- he’ll surely get the answers to his questions soon enough.

lavida001:
That’s why I keep advocating for us to join force and revive Nigeria and Africa. Even with your ILR you will be summed up with the rest of your kind.

I agree.

Zahra29:
Wishful thinking but I highly doubt that anyone could lump in Elon Musk and Vivek, both multimillionaires/billionaires, and Vivek a degree holder from Yale and Harvard, in the same category as "low skilled" immigrant labour. Especially when their president has endorsed both because he "likes smart people around him" and well, because they're extremely successful businessmen.

Not Musk.

Vivek is who I was talking about. That was clear. It should also have been clear why it's only him getting attacked on the basis of his immigrant background, and not Musk.

As to whether it's wishful thinking, you clearly haven't read what Laura Loomer and other Trump-ettes have been saying to and about him and similarly highly qualified people like him from India in the past few days.

jedisco:
This is where critical mass becomes important. They now chorus he's Indian and America is for European migrants. Just typing his name in the search bar brings up alot of abuse.

I wonder how many here actually think Vivek was saying the inconvenient truth.
Hope Kemi is learning- for the inevitable day she's forced to say the 'truth'

I’m sure she is too. It doesn’t matter though. She eventually will, sooner or later.

Vivek and co participated in the denigration of migrants in the name of “objectivity” and “speaking hard truths”, thinking their own status would protect them.

Now it’s objectively clear that it won’t because the arguments about economics and whatnot were never the real issue driving anti-immigration movement (one guess as to what it was 😄), and what they took for allyship with the MAGA crowd was actually just them being tolerated and used.

The hard truth is that no matter how highly skilled you are, when the chips are down and immigrants are being attacked, physically in England or digitally on Twitter, you’ll be lumped in with the “bum-wipers” and “low skilled” people.

The hilarious thing for me is thinking about how Vivek and co must feel, knowing they cannot complain and call the abuse they are receiving for what it is because they’ve pushed the narrative that anyone who ho calls racism out is “woke”. Imagine seeing like Laura Looney that they were out campaigning with just a few weeks ago saying those things about him and his country (because according to MAGAs India is his real country despite being a US citizen by birth).

jedisco:
Vivex is still upcoming but Musk carries clout.
He typifies the American dream. He oversees a string of successful businesses, bought and converted a whole Twitter to a right wing media, he's extremely wealthy and is still pushing to frontiers of science. I'm not his fan but its clear why alot of young people like him. Chap was literally given folks $1m to galvanise support for Trump. Imagine giving folks £500k - £1m to support NF

Take this falout for example though Vivek is a natural born U.S citizen and Elon a south African immigrant, however most of the abuse (sometimes racist) has been focused on Vivek.

As usual. Same as with the riots here in the UK. I'm sure things are becoming clearer to Vivek and others like him.

Congratulations Kunleop and Pretypacy! Have a great time in your new places!

jesmond3945:
thank you boss. Please, does it eventually increase in equity after some time?

Yes your equity will increase over time as you pay off the loan every month and (hopefully) the value of the house increases as well. It just (generally) takes more time with a new build.

Zahra29:
For the record, the bolded is still untrue/ignorant. I posted (but it sounds like you conveniently decided not to read my post) independent reports that investigated BH's operations and killings and concluded that their primary composition and motivation is ethnic, even amounting to ethnic cleansing, the report found.

Smh

You can keep banging this drum as long as you like, and I know you will because it's a convenient distraction from the absurdity of your original claim that Badenough was referring to Boko Haram only in her statement.

I did see the reports you cited. Clearly, some studies have said BH is driven by ethnicity, but most that I have seen acknowledge that it is religious primarily, and that tracks with what they've been saying and how they've operated since the beginnings in the Shekau days to the current JAS, IS-WA composition.

https://www.brookings.edu/wp-content/uploads/2016/07/Brookings-Analysis-Paper_Alex-Thurston_Final_Web.pdf

https://www.amnesty.org/en/latest/news/2015/01/boko-haram-glance/

https://www.usip.org/publications/2014/06/why-do-youth-join-boko-haram

https://scholarworks.waldenu.edu/dissertations/10698/#:~:text=The%20results%20indicated%20that%20BH,mosques%20and%20Islamic%20teaching%20centers.

https://www.uscirf.gov/sites/default/files/resources/Final%20Nigeria%20Factsheet%20%20August%2019,2013.pdf

Point is, there are studies and reports for both viewpoints but it's immaterial to my point above so again, believe what you will. 👍🏿

Zahra29:
Lies are the comments Goodenoch made about BH.

Yup sure, almost every Nigerian has read Iweala's book. In fact it's even been added to the school curriculum. Whatever pretence keeps you happy 😂

I'm not working hard oh, I'm in full wind down mode now for Christmas and the new Year. You can follow up with Oluomo of Derby and the many other non-separatist Nigerians who support/ don't mind Kemi 😊

My last post about this, only for the record.

I didn't lie. I was mistaken that there was no ethnic dimension to their attacks but it doesn't change the fact that their primary motivation isn't ethnic.

Either way, it's tangential to the issue of whether Boko Haram could possibly have been what Badenough was referring to. It isn't, as I and others have explained. It simply doesn't add up. If you ask 100 Nigerians, no one will say she meant just Boko Haram were her ethnic enemies. Even from a grammar standpoint thy interpretation doesn't make sense. It's extremely clear that she me at Northerners in general.

You can choose to believe whatever you it or take what you hear from the office as the honest truth. Na you sabi. I don taya abeg.

Goke7:
But it’s a book and not a podcast that got Dele Farotimi an human rights activist or lawyer into his current predicament of his hard stance against the Nigerian judiciary. Where is this assumption that Nigerians don’t read coming from?

Ignorance and eagerness to buy into any and every negative stereotype about Nigerians, a la Badenough.

jesmond3945:
Reason is because Most of these lenders with 95% LTV won't give you mortgage for a new build? Please why

New builds typically drop in value for a while after completion (like how a new car depreciates substantially once you drive it off the lot), and if the deposit is too low the buyers my be in negative equity for some time (up to a few years in some cases).

Negative equity means the price at which the property will be sold at in the event of default won't cover the money owed to the lender, and it also drastically reduces the incentive to continue paying the mortgage in some cases. Those (among other factors) increase the risk of the loan, which in turn increases the interest rates, to account for that risk.

Zahra29:
Of all the issues currently plaguing Nigeria, it's Olukemi's comments from London that are causing great alarm. Okay.

Perhaps that's why Shettima was told "to focus on Nigeria's pressing issues instead of engaging in disputes".

Kemi is not the cause of Nigeria's problems.

I see your fondness for strawman arguments is alive and well.

Nobody ever said the bolded.

As to your other comment about me having righteous indignation about each one of her comments, it it just my indignation though?

You should ask yourself why there has been so.much backlash against her comments (and not just the ones about Nigeria) even in the UK.

It may be that all of those comments are perfectly fine (as you believe and have said) and everyone who has questioned them is unreasonable, or that she frequently says nonsense that people are rightfully indignant about.

Good thing is that she's now in a much bigger spotlight so I'm confident time will make clear which one it is.

Zahra29:
Agreed. I've come to realise that many Nigerians tolerate and pretend about negative situations, bad governance etc but it's highlighting the truth of these situations that they are unable to handle.

The impressive Ngozi Okonjo-Iweala wrote a book exposing the deep and systemic corruption in Nigeria and her experiences fighting this corruption as a public servant. Imagine if she had done a global book tour, promoting her book on BBC, CNN, podcasts etc She would likely have received similar hate for "denigrating Nigeria".

But "luckily", very,very (very lol) few Nigerians have read it or even know of its existence, and even the governors she mentions in her book are blissfully unaware, so it's okay 😂

Telling my story is risky,” Okonjo-Iweala writes. “But not telling it is also dangerous.

There's a huge difference between critique from someone who identifies as Nigerian and has served the country despite all the difficulties. It is clear to all that it's from a desire to influence make change, and that's a marked difference from Badenoch who has publicly disclaimed Nigeria and ONLY references it in disparaging terms to prop up her "good, not-like-them immigrant" image.

NOI has a huge, supportive following among Nigerians and her book has been publicized in Nigeria and by Nigerians (look up reviews of the book and discussions about it on social media). She did go on a tour of sorts as well, and has delivered speeches about the book in several fora (including interviews with Nigerian top media platforms) over the years. Search YouTube for those. To say very few Nigerians know of the book, is frankly ignorant.