₦airaland Forum

bigtt76:
It's is real o, listened to them the other day analysing how they are getting this and my mouth open🫢

Not all new. Go to any newbuild and see folks flexings new houses that others struggled to pay for. Someone asked me what to do about the growing 19- 25 year olds who are NEETs (not in employment or education) and claiming benefits. I told them they should be given brand new cars, £5k pm and have folks paid to fulfil their sexual fantasies (esp for the blokes wey no dey see girlfriend in their mums house).
The wealth of the UK cannot match its entitlement. When the money finish, all man eye go clear.

bigtt76:
Na den way. Soon when preek not stand, e go be fault of the migrants 😂

Lol.. we're getting there. Folks would blame migrants for their sexual impotence.

Ikaeniyan0:
Anybody who claim food is cheap in Nigeria deserve to be sentence to life in prison.

Food is very cheap in the USA. Ban on meat, fish, chicken etc should be lifted by the FG

Food is a pastime in the west. It's surreal.

The daily takehome of a minimum wage worker (which no one would earn below) would most likely be enough to feed them for a month even if they went for exotic (imported) items.

For higher earners, a few hours pay (after tax) covers monthly feeding costs.

WhizdomXX:
Nigeria households spend almost 60% of income on feeding

If you look around, it's likely even more.

How do those who earn 40k survive?

Food in Nigeria is luxury.

Looking at this representation, it appears Nigeria has one of the highest food prices in the world. I have seen naive statements comparing the cost of coke in the U.S to Nigeria and then postulating food is cheaper in Nigeria. This blindsides the real cost of food i.e cost as it relates to earnings or affordability

The monthly salary of many graduates working full-time today wouldn't get them a 50kg bag of rice. Even if we use minimum wage figures (which many don't earn), the picture is still dire. This is unheard of in many countries.

Even in our mannerisms today, its obvious that food is seen as prenium. 'Enjoyment' in many movies is depicted as a large bowl of food with lots of meat. When someone starts getting obese after marriage, a better job, or political post, folks say they are now enjoying. These could be considered unhealthy habits elsewhere.


This food conversation is eerily similar to taxation. Effective taxation is a significant factor in sustaining the general population wealth of many countries. Something many Nigerians think is a disadvantage of living in western nations

Looking at this representation, it appears Nigeria has one of the highest food prices in the world. I have seen naive statements comparing the cost of coke in the U.S to Nigeria and then postulating food is cheaper in Nigeria. This blindsides the real cost of food i.e cost as it relates to earnings or affordability

The monthly salary of many graduates working full-time today wouldn't get them a 50kg bag of rice. Even if we use minimum wage figures (which many don't earn), the picture is still dire. This is unheard of in many countries.

Even in our mannerisms today, its obvious that food is seen as prenium. 'Enjoyment' in many movies is depicted as a large bowl of food with lots of meat. When someone starts getting obese after marriage, a better job, or political post, folks say they are now enjoying. These could be considered unhealthy habits elsewhere.


This food conversation is eerily similar to taxation. Effective taxation is a significant factor in sustaining the general population wealth of many countries. Something many Nigerians think is a disadvantage of living in western nations

Goke7:
that's why ILR is increasing to 10 years, before una(migrants) go buy all the new cars finish for this UK. You came for their jobs, then benefits and una wan add car join am haba na only una waka come?

Hehe... one literally said na we be the reason wey e no fit buy house. Same person is living in a tax-payer funded house on my newbuild estate. Wouldn't be surprised she's eyeing the next motability freeload.

Moving from the UK has shown me how socialist the UK system is. It's quite good for some but unduly punishes others.

Do you want a free new car? There are 167 models to choose from on the Motability website. If you hand over part of your weekly mobility benefit, you can drive away with a leased Kia Picanto worth £15,000. If you part with your entire allowance of £75.75, you can move up to a Nissan Juke SUV, priced at £23,000, or a Volkswagen T-Cross. If you have the finances, you can pay £7,999 on top of your allowance and pick up the keys to a £52,770 BMW i4 M Sport or Mercedes CLA Coupé.
Each vehicle comes with free road tax, RAC breakdown cover, servicing and MoT, tyre and windscreen repair, installation of a charge point for electric cars and insurance paid for three named drivers: family, friends or carers. Claimants can apply for a new model every three years.
https://archive.is/TRQsv

Stumbled upon this and kept wondering..... is it just the usual dog whistle from the right or is there more to it. 1 in 5 new cars are paid by the common purse.
I remember looking at my car invoice and scratching my head on noticing that about 8k of what I paid was for VAT. Meanwhile someone out there is putting 8k down and being handed a new car that's more expensive than mine. More annoyingly, that 8k might be savings from other benefits from the common purse (i.e what we fund). We go dey alright last last

eniola1010:
(1) thinking of buying used 2020 rav4 or used 2020 acura mdx. I would have loved the rav4 but its a bit too basic and its horsepower is 203 which may not be powerful to pull through heavy snow, but i know toyotas are very reliable.
And as for the mdx, its a more powerful car and the horsepower is 290 it can pull through snow i guess. It has so many functions like heated seat, heated steering and so much others. But i am skeptical because a car like this having too much funtion and very low price might be prone to eletrical issues.
Although i plan to use winter tires in winter anyways. Which one of the two is a better option?


(2) asides copart, fbmarket place, is there a reliable auction yard one can go to to pick up used, reliable certified cars. I know most places u need a dealer license or some sort of license for this, i will sort that out, but where in ontario can one find such reliable auction yard that categorises cars into good, fair and bad so you know exactly what you are getting into.

Cc jedisco ferfer 73O9

A 5yo car isn't that old and one doesn't expect the electricals to start collapsing especially if it's a dependable car.

The RAV always has a prenium cos it's known to be reliable. However it has too many trims and the entry ones are quite basic. Heated seats and steering wheels are nice. Wouldn't be using a daily driver without these. I wonder what other perks the Acura has over the RAV.

From what you said, I'd be going for the Acura. Always like comfortable cars and granted, I'm not a fan of the RAV. Alternatively for peace of mind, since the Acura is cheaper, why not go for the 2022 model?

ukay2:
Thank you for your response.....I will continue with my S&S ISA and Lifetime ISA to max out the £20k annually....any remaining funds will then go to SIPP.....i no get strength to de share any percentage of my funds with the government at withdrawals sha...

Hehe.. All good. Most important thing is making progress and reviewing as more information comes to light.

Segun2222:
you prefer a civil war where millions will die instead? and there still wont be a solution

I am still struggling to grasp how you came to that conclusion. How does fighting terrorists amount to civil war?
If anything at all would cause a civil war, it's the countinued killing of folks for no clear cause. In most parts of the world where this has happened, it's only a matter of time before an equally brutal resistance rises. Already, these terrorists control large swathes of land and receive tax. Are you actually saying we should sacrifice southern Kaduna, Jos, Benue and parts of Nassarawa/Kogi/Kwara/Niger/Abuja to them so you could keep pretending nothing is happening?

What part of your hometown would you be willing to give over?

Educationalserv:
wealth redistributed to who ? Nigeria Politicians? Who have looted /Mismanaged all Form of Incomes earned by the Nigeria state and horrible outcomes= Debt 200 trillion , poverty 90 percent, out of school kids 20m unemployment 60 percent under employment 80 percent , inflation 50 percent , Crime 100 percent . Corruption 100 percent.Kobo will not be redistributed to the poor .more Looting for polithieves .
Treasury bill will crash cos is still tax free with stable currency in several East Africa Nations and Southern.
CBN will be force to raise back rate when offer and not subscribe or under subscribe effectively return back the 10 percent WHT

Most of those politicians are cheered on by ruderless masses for different reasons. This government is not without fault but they have made some decent macroeconomic decisions to fix the mess left by the last government which were brainless but still got cheers from many.

Regarding TBs, like I've said for years - the rates need to come down. It might not be good for ones portfolio but it's better for the economy. Higher rates should only serve to drive down inflation reduce once that is accomplished so local businesses can thrive.

Subscription is largely guided by macroeconomic drivers and trust in the economy. Our TBs have been oversubscribed for a long time even when the last government were running things to the ground. Time would tell but I doubt a 10% tax on quite good rates would make much of a difference.

BTW, you sound strikingly familiar. I thought you were all for the 'real economy'. What happened?

oluwaleokey:
I just want to say, I wanna begin my journey today, open a Lisa account for myself and partner and possibly use AJO as channel to speed up the process...in addition to the little savings we have at the moment.

Can one set ups the moneybox account now without funding immediately due to awaiting AJO collection in January but just to kick start the one year rule, I mean start counting or must there be accompanying payment lump sum or monthly while setting up?

Please for a FTC, what is the current threshold amount to escape SDTL? Also what's the price limit of a building (old or new) an FTC could buy voa LISA?
Is it £425k or £300k... is this correct? This would obviously hinder FTC to buy houses in SE England with the prices I see flying around.

Kudos on starting.
You can set up a Moneybox LISA account and put a token in there say £10 to get the clock counting for you. You don't need to pay in monthly.

I've never appreciated the allure of Ajo especially for someone in the UK. The risks are too much. What happens if someone dies, defaults, gets deported or moves countries? What if one of the contributors is involved in fraud and using proceeds to contribute thereby creating a financial link? Moreso, no interest is paid on the money being held. You can do your own Ajo by investing a fixed montly sum in a S&S ISA. Even if you decide not to buy st0cks, you still get some interest on uninvested sums.
If your Ajo is already running, then you want to bring your pack into your account at least 3-6 months before your mortgage application as that's the cut-off most lenders use when asking for account details. That way, you save yourself the hassle of undue explanation.

SDLT is hardly an issue for a FTB. Even if you're buying a house above the zero-band threshold i.e 300k. You only pay stamp duty on the sum above the limit. So if the house is 350k, you only pay 5% stamp duty on 50k. So there's hardly any advantage of buying a cheaper house for the sole purpose of escaping stamp duty
https://www.gov.uk/stamp-duty-land-tax/residential-property-rates

It's worth confirming what the current LISA treshold is. I know some londoners ran into issues as they couldn't use their LISA for a purchase. You could review the prices of houses you want and can afford to buy and decide if you'd be under the treshold or if you're better off in a S&S ISA.

Pension contribution stuff is meatier but becomes more understandable with time. Once you've clicked thru ISAs, then you can start thinking SIPPs and weighing pros and cons and the best way to contribute based on your circumstance.

MatrixCircle:
When the japa madness started and peaked in 2022, 2023, that saw thousands of Nigerians relocated to UK 🇬🇧 through students route, Care COS and less through other routes as Nurses etc.

Sounds like you have a small mind. The world is much bigger than you think and migration has gone on and would continue to go on for the whole of mans existence.

UK makes decisions based on numbers coming in. If Nigerians didn't go, perhaps Indians would have taken their space and the result would still be thesame.

I would only speak against those who markerted illegality. Those who spoke about their legal journey have every right to.

Educationalserv:
Stock Market losses 4.6 trillion due to new CGT introduce by FIRS
Next Fix income Market like Treasury bill will crash too
And Govt will be force to raise rate wiping out all the 10 percent WHT .
are this guy's really Smart or doing try and Error

CGT on market gains is expected and welcome. Its a good way wealth in which from the market is redistributed to all.

What do you mean by 'Treasury bill will crash'?

The CBN largely raises rates in response to inflation

We need TB rates to drop fast so that investment can flow to the real economy. You dont expect local businesses to thrive if they are borrowing at rates of over 20% when businesses in other nations can get loans at sub-5%

Solumtoya:
James Shack. One of the Youtubers who God used to shape my financial knowledge in the UK.

On Over-paying mortgage, I don't now, it depends on risk appetite which is also dependent on one's age, etc.

He is about my best. He does bring experience and a nuance to many things.

Ultimately, the main point is there are many things to consider flexibility being one of them. It's not just pay down and reduce it to Bleep years.

This is unlikely a C/S scar except one that got complicated. This is likely for a more extensive surgery.

That said, this scar is hypertrophic/keloidal. Some people are prone to it and even with the best of techniques would still have horrible scars.

Teedol:
First, am afraid the Governors and local council chairmen are not doing enough, we read everyday in the news how some Governors and law makers now reside in Abuja permanently, yet they get re-elected every 4 years to various positions by the same oppressed people.

2nd, if you know you are in such critical danger, you prepare defence and rally your co villagers, if not possible because of superior fire power, flee to a safe place, why would I wait to be overrun by bandits?

First paragraph is spot on. Hence why I can't fault victims for seeking help.

The second is more nuanced.
First these villages have a known location. The herdsmen OTOH are nomads and have been migrating for centuries. Looking at the gear these gunmen weild, anyone looking to challenge them needs to be well armed. How do villagers reliably fund the procurement of similar weaponry? Would they start kidnapping folks and demanding ransom like herdsmen did? Would their known rich folks be willing to go head on with the government by sponsoring purchaes? Even if the issue of finance is solved, we move to supply lines. How do they procure these weapons? Most of these weapons come via the Sahara with supply routes manned by folks herdsmen share a common heritage with. Thirdly even if they get the weapons and are ready, they are just sitting ducks waiting for the Nigerian army to swoop on, place allegations on and retrieve weapons from. We've seen this occur on multiple occasions in KD and Jos. Even the former Benue state governor could not arm the security team meant to deter herdsmen.


Lastly, asking folks to flee is quite easy when you are far. In the past, I used watch videos of war casualties around the world and wonder why folks didn't just run away. Lets remember almost every human would do everything possible to protect their life.
These people and their progenitors have spent their whole lives in that place. Their livelihood comes from there as many are farmers. If the get up and run, who will feed them? Where would they stay? And most importantly, they create a vacuum for bandits to move into. Sadly, this is now happening in many parts.
Talking about where they'd stay is also quite important. I've had to sleep in the police barracks for some days during an ethnic riot. Trust me, it was a very unpleasant experience. I look at pictures of IDP camps and would wish it on no one. There's a reason why after sometime in an IDP camp some folks attempt to go back to their hometown and strike a deal with bandits by paying them huge sums or part of their farm produce. If nothing is done, then ultimately a formidable ethnic militia would arise to counter these bandits. By then, it may be too late.

It's a sorry state of affairs and I would never fault victims for seeking help. If Trumps threat causes the Nigerian government to act, then their pleas would have achieved something.

Teedol:
Someone asked what is the solution to banditory? My answer is, every Governor most be proactive instead of being reactive, take the war to them, you as a Gov should declare war on banditory unless you are complicit, organise local vigilantes, spend money on them stop stealing and looting the montly allocations, employ the youths and train them to become vigilantes, equip them with amunitions, pay them well, put a bounty on the heads of the bandits and see how banditry will naturally and gradually fizzle out.

Almost there but not quite. The governors have been 'trying' since 2010.

If it was my question you're referring to- it's simple.
What should the victims do? I have seen villages being laid bare with hundreds killed. Many locals in Kaduna, Jos e.t.c know their village is next in line to be decimated. What should they do?

justwise:
What is worrying here is the fact that you knew that American military intervention will lead to disaster in Nigeria but in an attempt to sound sympathetic you are still suggesting that military intervention is the only solution for the killing going on.

I have listed a number of possible solutions here but as that is not what you want to hear you keep asking me to repeat it again and again.

As regards what to do, the only thing I remember you saying is that the solution lies with the Nigerian government i.e they should wait until such a time the government looks their way. In practical terms, they should wait for their turn to be killed.

We can only guesstimate what an intervention by the U.S would bring. What we know for certain is that many parts are being decimated as we speak. What I have said is simple- I cannot in the comfort of Canada/UK ask those who are being killed to sit and wait for their turn. I can't offer them a pill I know I wouldn't take. If I can't profer a solution, then I should approach whatever solution they find with empathy.

Again, for the fourth time at least I ask-what should those being killed do?

“The former governor of Bauchi State, (Isa) Yuguda, was able also to go with a government delegation into the bush and they met more than 5000 bandits. They are all complaining — those who have lost their parents, those who have lost their brothers, those from hostility too,” Gumi said.

Does not surprise that I woke up to these headlines on NL.

The government is organising prayers and going to beg. The victims should wait for their attackers to show mercy but in the interim start paying tax to these bandits and sending their daughters over as gifts to appease them as many communities already are.

This is what folks say victims should wait for. It's easy to tell folks to sit and wait when one is far removed from the chaos. The shocking lack of empathy is telling.

There is no concrete plan to go ahead with robust community policing, immediately ending the almaj*r* scheme, manaditing education for kids, perhaps approaching China for cheaper drones, expanding the federal police and military and and making them be proactive in their response, chanelling the exorbitant pay of our federal and legislative politicians into security, tangible infrastructural and economic investment into a populace that is increasingly being impoverished e.t.c.

The last governments solution was to fashion a grazing route in the 21st century. This ones plan seems to be to plaster over it and pretend it does not exist

hammed71:
No worry e go do you like film trick, I pray the go ahead with their plans so we can see who's right or wrong

So what should these Nigerians being killed daily do? Sit and wait for their turn I guess?

If you are worried about my stance, you should thank God it's not my family facing what many of the villagers are. Then you'd see how extreme views can be.

If you're responding, please don't forget to add what these Nigerians should do

justwise:
You are.

I find it worrying that despite asking repeatedly, the only solution you're offering to what is increasingly the certain demise of many Nigerians is for them to sit and wait for their turn.

My posts on this have been clear. Never been a fan of Trump (even opined he may be looking to bully Nigeria and Africa through this). Neither am I oblivious of his possible underlying motives. However, I cannot tell those who have seen their villages decimated over the last decade to sit and wait for their turn.

immortalcrown:
Catholic cuts its coat according to its size. Yet, Catholic is the most powerful and biggest Church.

The Catholic Church may not own a car factory. But many of the engineers in car factories were made by Catholic schools and foundations.

The Catholic Church does not boast of its priests owning private jets. But it boast of being the Church with the highest donations to charity.

All this my church vs your chruch chest beating is nauseating.

Wake up and smell the coffee. This is 2025 and an increasing amount of people care less about religion or your church.

This post should be a cause of concern. Why are most of our recent biggest buildings churches? Why are factories being shut down to build churches yet people languish in increasing poverty but are told by their leaders to pray and hope while the wealth of the nation is looted abroad to countries who don't care about God?

justwise:
Do you know the strange thing about many of you in support of American military intervention is that you can not provide a single evidence that it has ever worked anywhere in the world but you still support it.

Let me ask you this...give me one country that America has helped militarily to bring about peace and security, one. ..

Again, I am not in support of a U.S intervention or violation of our sovereignty but I cannot look at those being whose relatives are being murdered and tell them to wait for their turn. The image of a butchered truck of bodies brought in or burning bodies during riots is forever etched in my memory.

In practical terms, could you give an answer to my questions

Zahra29:
Canada, Australia and other countries have similar medical exams for certain categories of immigrants before admitting them or granting them settlement status.

Apart from TB, the UK has zero health checks and does not deny visas or settlement on this basis.

We should do well to have a rounded conversation as this place grows. There is no point cherrypicking stuff to suit ones narrative.

Discussions around migration should be about weighing pros and cons. I've gone through the main migration pathway for both the UK and Canada and can say for most, the later is easier to get into but then, that's hardly the point here.

What I want to see is a comparison of what each nation has to offer and not the constant urge to excuse any negative change on the basis that 'Saudi Arabia' doesn't allow migrants to do xyz

It does appear that many Nigerians underestimate the true reach of terror in Nigeria.

I said it years ago that I have my doubts the Nigerian government can truly defeat these terrorists even in decades. With each passing day, these terrorists grow stronger. It's easy to think that what we have now as a nation is the norm. Far from it- the world keeps changing and even in modern times, lines keep being redrawn.

After a long stint in the south, I remember visiting Zaria, alighting from a bus at night and froze as I saw a young boy with a plate begging for money. I stood looking at him for over 10 secs and all that flashed back was part of my childhood and hoardes of kids that came around begging.

Despite growing up in the north and thinking I had a good understanding of the north, my time in Kano changed my perspective. I lived in good part of the city yet my alarm clock daily was tens of young boys who'd come around in different batches singing and begging for alms. I encountered many sleeping on the road pavement or bare floor at night. I always asked myself if there are these many out-of-school boys begging, where are their female counterparts because they obviously were not in school and there was very little female representation in the office space. While a few of the boys came from surrounding states, with time I got to know that many of their female counterparts lived most of their lives behind high walls waiting to be married off to make more out-of-school kids and sadly some used to settle debt. It doesn't surprise that Kano has one of the highest birth rates in the world.

What irks me is the fact that things are getting worse. Those out of school kids are increasing in number. Those boys grow up in the worst of conditions being indoctrinated, traumatised and left with little or no skills to make money. Does it surprise that the gunmen have an unlimited source of foot soldiers? Combine this with the wide, largely under-developed terrain in the north, discovery of solid minerals to sell on the black market, porous (or non-existent) land borders, most of northern Africa being run by ragtag militias, resource limitations of the Nigerian state, corruption etc. then you see my skepticism

There's much talk about seperatist narrative from the east. However, I belive the strongest concern to the Nigerian states continued existence is growing terror. And to be clear, this is not a north vs south issue as most parts of Nigeria are struggling. It's just the reality of my experience

justwise:
I have stated the solution here before and my view on that hasn't changed.

Trump doesn't give a toilet brush about Christians in Nigeria or human life in general, the current Nigerian govt and previous administrations have failed Nigeria but they are the only one that can fix this mess.

If the American military forces start operation in Nigeria the situation will get worst, more ''cherished Christians'' will die and peace and security will be a distant memory

I'm struggling to get your practical take on this.

Some folks in Jos pushed to raise awareness of this in the U.S after years of begging for help

1. What is your advise to folks in Jos or southern Kaduna who have seen village after vilage decimated and much of their kit and kin killed? All this happened while they were begging the Nigerian society to come to their rescue. What would be your advise- should the remaining residents of Kagoro sit and beg the government while waiting for their turn to be killed?

2. What if it was your village and relatives being affected- would that change your response? If 17 members of your family were machetted down in a day (like someone I know), would your response still be to keep waiting for the government?

Lastly, If the answer is to beg the government, how long do they need to do that before it becomes obvious it's not working?

Talking about things we could have done differently- another was keenly paying down my mortgage.
I did that to the tune of 20k before I stopped. My thinking was that since my interest rate then was above 5%, I'd be better off paying down my mortgage rather than paying the bank more interest at that rate. I stopped when interest rates dropped below 4.7% as something about it just didn't click. Also, I was getting better returns elsewhere. I thought I did my reasearch but I had only considered how much interest I wouldn't pay and not the opportunity cost of the additional paydown. (i.e what advantage having that money free could bring)

It finally hit me when I was scrapping to get a BTL, I began to ask myself why I overpaid.

It wasn't after a while I stumbled on this video and wished I saw it earlier. It's another example how the general wisdom might not always be the best. Good channel by the way. Strongly recommend.


https://www.youtube.com/watch?v=L4sy1f8Q4YA

ukay2:
Few questions please:

1.How do I contribute to SIPP through Ltd co, will the Ltd coy receive the 20% tax relief and another 20% tax relief from HMRC? I don't have Ltd coy though...

2. Will govt not tax me 40% at withdrawal as a higher tax payer if I use my personal account for the SIPP.. remember I have NHS pension to withdraw too which will shoot me back to 40% tax bracket as income from the total pension withdrawals . What rate will the government tax me?

3. If I invest the £20k (£12k my real contribution though) in Google in my SIPP and in 20 years time the investment becomes £100k... I withdraw £25k tax free and then start to share the remaining £75k with the govt at 40% tax unlike me owning the entire £100k with ISA account without any govt chooking eyes.

1. With a ltd co, you don't get the tax relief.
However, pension contributions are considered a business expense so you deduct the cost before paying corporation tax. If not made, you'd pay corporation tax on the money at rates of about 20% and then income or dividend tax on that sum before it becomes yours (depending on how you want to take it out). What I used to do was catch up with my accountant before my company end of year was due and they'd estimate how much corporation tax I may be due to pay. I then determine if its worth making an extra pension contribution. Also the only limit here is the 60k annual pension limit whereas with a personal SIPP contribution, you cannot add more than your taxable income in a given year. So a ltd co director with 20k taxable income can contribute 50k via their ltd co into their SIPP. If it was a personal contribution, the max would be 20k. The good thing is that you can contribute both personally and via your ltd co in same year.


2. It's impossible to estimate what the tax brackets would be when you come to retire but we can use todays rates. It's very unlikely your income in retirement would match your working income
Also, the current NHS pension is only accessible (with certain exceptions) without penalty at state retirement age. So if you want to keep working fulltime till 67 (likely 70 with time), then it's less of an issue. But if you choose to retire earlier, then robust options are needed. Unlike your NHS pension, you can access you SIPP earlier at 57. Lets say you choose to retire at 60. That leaves you with 7 years before you start drawing your NHS pension. Drawing down on your ISA and SIPP here would help you bridge that gap. Your taxable income would most likely remain in the basic rate.

See it this way: Lets say you need 35k pa after tax to live in retirement. It might not seem huge but remember that most would have paid off their mortgage at this point or at least use the tax-free part of their pension to do so.
You could take 10k from your ISA (tax free), 12.5k from the taxfree part of your pension and 12.5k from the taxable part of your pension (which would still be tax free as it's within the tax free allowance). So in essense thats 35k pa tax free. Even when your NHS and state pension kick in later, your tax bracket would most likely be 20%. The 'generous' pension system is one of the ways the UK really shines.

3. There's a lot of speculation with individual picks. I tend to veer off them in especially with my SIPP. But I see your worry. Also had same concerns too and but after years of maxing my ISA, it became clear as I understood the UK tax system that I should also look more towards my pension. From the examples above, you can see it's not as straightforward. You'd need to be living extra extra large to be paying 40% in retirement. I'm talking incomes of well over 100k not 50k. Some people even transfer most their ISA to their SIPP before retirement to get the tax rebate.
Another consideration- as a higher rate payer, the The 20k in your pension costs you 12k. The 20k in your ISA would definitely cost you more than 24k initially (remember you'd have paid 40% on the income first).

ISAs are sweet. But for retirement, not many products beat a pension. ISAs to me are good as they are offer good flexibility even before retirement. One can also use them to bridge the period before accessing a SIPP if they want to retire or cut down before 57.

Ultimately, I see these options as tools. Its better to ones quiver full so that say 5-10 yrs before retirement, they can sit down with a financial advisor and start making plans.

ukay2:
Just started SIPP account with Freetrade....the thing make sense....I was able to buy individual USA stocks I like like in my LISA and S&S ISA...

After maxing out LISA and Stock & Shares ISA...any other funds goes to SIPP

Make the govt credit my 20% contribution to SIPP, and I will claim the remaining 20% via self-assessment account...

I do not like that the govt will tax me the total SIPP portfolio after 25% tax free withdrawal...the govt should only tax the funds contributed and not the SIPP account profits....lol

It's a close call but for retirement, SIPP might come out better or at least equal for most especially higher rate tax payers.

The main difference being ISAs are after tax and SIPP before tax.
A 20k contribution to your SIPP would only cost you 12k as a higher rate. If the contribution is made via ones Ltd co, you dont have the personal tax rebates but it counted as an expense before corporation tax.
True one would pay tax when they come to withdraw (after the lump sum) but it would usually be at a much lower rate than they'd have paid in their working days.
ISAs are easily accessible which is a huge bonus. Many end up using their ISA to bridge early retirement or augment later retirement.

I personally pushed heavy into my ISAs earlier on but looking back, I feel I should have had an even split.

justwise:
Totally agreed but military intervention by a foreign govt is never the solution as that never worked anywhere in the world.

American defence contractors are rubbing their hands together now waiting to start selling guns and other aminations to us and laugh their way to the bank. We will pay for this war with our resources while the country is destroyed and the war will never end.

Let's be practical here. Whats the solution?

What should I tell someome who has seen their family nembers r**ped, killed, kidnapped, burnt alive? To wait and hope? I have seen folks who had their whole family wiped out and only escaped via a stroke of luck.

For all intents, Trump may be using this to bully Nigeria into subservience given our refusal to acquiesce to his plan to deport untethered folks to Nigeria- a move which might have given other African nations the nerve to say no. Or perhaps, he is trying to shift attention from his turbulent dip at the polls.
All said, as much as I despise Trump, given what I've seen, I cannot in all honesty tell folks caught up in this to sit and wait.