₦airaland Forum

Zahra29:
.....

My advice would be to ask this on one of the numerous Reddit housing /property investing sub pages - you'll definitely get broad perspectives and solid insights to help you. All the best.

Lexusgs430:
https://www.msn.com/en-gb/news/uknews/two-charged-with-murder-of-devoted-father-outside-lewisham-nightclub/ar-AA25ch6M?ocid=sapphireappshare

Very sad on all fronts......

Santa2:
I have family in the US where I I saw firsthand how insurance changed the trajectory of the lives. They were comfortably middle class , uncle died in 2006, 3 kids were in uni then, the insurance payout (about $1M) was invested wisely by my aunt and they still continuously reaping from the proceed investment from that payout. My cousins now have their own kids and that insurance payout from 20yrs ago ensured they didn't down grade their lives but upgrade it after the breadwinners death. For me the approach is insurance and investment. Diversify the portfolio

Fred2020:
personally think SpaceX is overvalued. Much of its valuation appears to be based on the assumption that it will become a global juggernaut and maintain a dominant position across multiple space-related industries globally.

While it undoubtedly has a significant technological lead today, many countries are becoming increasingly cautious about relying on U.S. companies for critical infrastructure. As a result, I doubt SpaceX will be able to capture as large a share of international markets as some investors expect. This is very different from the dot-com era, when U.S. technology and software were adopted globally with far fewer concerns around sovereignty, resilience, and strategic dependence.

I also think geopolitical fragmentation is likely to persist long after Trump leaves office.

jmoore:
The white men left too early.

Another round of colonization is needed.

Zahra29:
When sophistry fails, switch to ad
hominem. Lol



I don't owe YOU any explanation, but I'll come down to your level for a bit.

I used to be a silent reader when there were lots more intelligent and insightful contributors like @ThatGuyfromHR and Aphrodite.

Unfortunately they stopped commenting, and others like Duchess, and I felt I had to become "active" to counter the increasing levels of misinformation and entitlement (from the likes of you) that started to go unchallenged and uncorrected.

I cannot count the number of times I have "sprung to life" to provide information and clarity on immigration issues, especially when there were major and frequent changes to the immigration rules. You have no idea how many DMs I have received and people I have tried to help outside this platform.

I have discussed mortgages/ buying a home, jobs on this thread/platform. This week I shared an article about a landmark case where an Indian care worker won a handsome payout from his former care employer and I encouraged anyone affected to explore legal action against scam care agencies as a precedent has now been set.

I choose not to participate in pensions ,investing because I think this is a personal and sensitive area.

When the thread was more active, I used to participate in casual convos/"gists" including politics. I have passed on various hacks and product recommendations. I have disagreed with people but still had a pleasant relationship with them e.g. Cyberknight. I have always tried to be polite, even in disagreements, and I have never cussed anyone out.

However, due to "Zahra Derangement Syndrome" or ZDS, which you sadly appear to suffer acutely from, you do/will not see any of these positives . Your dislike of me has clouded your judgement and objectivity and whenever you've engaged with me (e.g. pretending to ask for pension/house advice or pretending to care about my heritage while desperate to label me an anchor baby whose parents came over by boat), it has always been with the thinly veiled intent to attack me or show off/"oppress" 🙄.
I ain't got time for that Mister 😂



LOL 😂 . I do beg your pardon.



Aww, is this your way of inviting me to the Canadian thread? 😊

Please try to rest from all this "wondering" so you can recover from ZDS.

Goodenoch:
Yup. That's literally the core of their purpose here and the kind of thing that unfailingly brings them out of the woodwork.

For me, the most telling part was them making light of and indirectly but very clearly justifying the racist violent attacks on people in the riots a couple years ago.
....

I wonder whether they've even given any thought to the impact of the constant negative rhetoric on immigrants' morale because it seems like denigrating immigrants of all stripes is a new Olympic sport where you get points by how much you can show that you're only tolerating them and will make life as difficult as possible for them if given power.

Arguing with the Zahras of this world is a waste of energy.

Goke7:
The fact that other threads have been created out of here is a testament to the success of this thread and that’s what matters.

It’s good to still have dissenters here so we have a feel of what it’s like from those on the other side and how they truly feel about whatever. This thread still serves lots of purposes just look at the pension conversation and am sure so many have been further enlightened about it. So many questions still come up here and get answered. Let’s not be swayed by those who tend to denigrate others that’s the current world we live in.

About those vacant businesses I tend to hear more about this from North America, don’t know usually hear almost anything from the uk and I know it exists just that info about them are almost non existent, what I hear more are Amazon delivery services (where you can operate a branded fleet) franchises and so on. Will be nice to know how buying vacant businesses in the uk works.

Zahra29:
You've written a lot without actually saying a lot.

You're conflating 2 different things and have completely missed the point of my original post.

1. The discussion was not whether or not a British national is currently a net -ve or +ve relative to a recent migrant. Of course a Brit born and raised would be a -ve starting out. This is true of EVERY nation that invests properly in its young people. Just as you also are/were a net -ve to your home country due to your government subsidising your medical training.

2. The point, dear reader, is that it is a false claim that a recent migrant has paid more into the NHS (by paying the IHS) than his British peer. Using your example - if you came into the UK at e.g 28y/old and assuming you paid £3k IHS for an initial 3 year visa - it is ridiculous to think that this payment matches or exceeds the cumulative contributions of a 28 y/old junior doctor who has been working since he was 23

It's a very simple, obvious fact and no lengthy writeup can change this.

...

seppuku:
But some of them are saying they liked it better under apartheid.

Onyiiobi7735:
SAs behave worse than a pack of wild dogs.
This is exactly what Whites saw decades ago in them, and imposed the apartheid system on them.
Of all 55 countries of Africa, only SA experienced apartheid.
Truly the blacks there deserved it many times over.

Goke7:
Here is the answer again 😂

Zahra29:
A brief study of UK political history will show you that even King Charles could not save the Tories right now. They have to spend a certain amount of time in the electoral wilderness, probably till at least 2034 GE, before the public forgives them for their failings, including the "Boriswave" which has become mainstream and even has its own Wiki page lol

https://en.wikipedia.org/wiki/Boriswave

Mcleo007:
How do you mean people are not overpaying?
You’re paying about £2k or more for an 18‑month period, and in that time you might only see the GP once or twice. How does that not show that you’ve paid a lot for something you barely use?
The way you’re putting it makes it sound like every migrant uses the NHS in the same way, and that’s just not true. There are people who have been here for four or five years and have only been to the GP maybe twice. And even then, they’re still paying for their medication out of pocket.
The bigger issue, if we’re being honest, is the government underfunding the NHS. The population has grown, but the system hasn’t expanded to match it. Instead of taking responsibility for that gap, it’s easier to point fingers and blame immigrants, especially the legal ones who are actually paying into the system.
And yes, some dependents don’t pay the Immigration Health Surcharge. But whose decision was that? They didn’t set those rules themselves. If the exemption wasn’t there, do you really think they wouldn’t pay?
It just feels like people are focusing on the wrong problem.

Zahra29:
Compare a migrant at 40 who has worked in the UK for 2 years and paid £2,000 IHS + income tax - there is *absolutely* no way he has paid more into the system than his British peer who has been working since 21 (and part time since he was 16 / 17 years) and has thus paid into the system for >20 years.

Zahra29:
I think you would find that private insurance or paying out of pocket would be far more expensive than the IHS flat fee - do you know how much an NHS birth and ante/post natal care costs? (Hint - A lot more than £1,035 especially if there are any complications).

Goke7:
Just to add my 10 kobo, you won’t be young forever o and old age can be financially devastating, you may think the pension doesn’t make sense now until then.

If you’re going to stay in this country for the long term and not a mobile migrant like some of us don’t even dare opting out of any pension e get why o!

Still surprised this conversation keeps popping up.

ehizario2012:
I'm really interested in this topic because I've been contemplating stopping my NHS pension. Is paying NI not enough? That extra 8.5% is somehow jare! Many immigrants in my trust have opted out but I'm still unsure 🤔

Goke7:
FYI

https://blog.investengine.com/rachel-reeves-tax-cash-in-stocks-and-shares-isa/

The more harder it is to come to the uk, get ready to part more with your money as a resident! Simple

Even your dividends, rental income they are all coming for it even state pension.

Happy viewing 😂

Kushites:
My brother can you imagine a full grown MAN telling himself and the world that BECAUSE OF HIS SKIN COLOUR, he cannot rule himself, and needs white colonisers to rule him?

AND HE GOT OVER 40 LIKES SO FAR FOR HIS COMMENT.

THESE PEOPLE ARE DAMAGED.

THEY NEED A COMPREHENSIVE REORIENTATION.

UTTER DISGRACE.

Eba50:
Botha made it very clear that blackman can't rule himself well or properly.blacks attacked him for making that statement. Time has proven him very correct. I still wonder y azikiwe, awolow,enahorob, balewa, and all those greedy idiots some stupid Nigerians call "heroes" . put an end to white rule. Nigeria for don be like Europe today.just imagine say white rule no come about 150 years ago, nigeria for be one big poultry or piggery.all solid infrastructure today, was done by whites when no oil dey.all infrastructure degenerated after we gained independence of seil deceit

LordLicifer:
trend downwards because of one nigerian car wash owner. Dey play.

234GT:
Perennial fuel scarcity was not fixed. Petrol was taken out of the reach of the common man. I live in Nigeria 247, never stepped out of Nigeria before, so please, dont argue with me.

Goke7:
State police is on the cards actually but I doubt it will make all states secure as some states will lack the necessary human resources and capacity. At the end only serious states can secure themselves. It’s actually down to these sub nationals(states) like you said to sit up and eradicate the menace of out of school children to fix this mess.

justwise:
What an insult to Nigeria and Nigerians? This grifter wants to start another religious war using Nigeria. What an utter nonsense!!

Zahra29:
Lol @ the bolded. You are clearly not following UK politics.

To borrow your analogy, Aunty K has been sweeping KS into the cupboard lately. Her performance today in the King's Speech debate was strong and hilarious.

Her personal approval rating is higher than all the other major party leaders, and no one is calling for her resignation unlike Starmer who is likely to exit the "equation or dancefloor" soon.