₦airaland Forum

slydog:
Repeal the law limiting massive oil and gas and other mineral exploration.

Kill any rubbish carbon nonsense.
Minimize immigration for a while

Fair enough.
The way Canada is structured doesn't make somethings easy. The interprovincial rivalry is odd. I still wonder why some professions would need new certifications in difft provinces even though it's thesame country. Issue with drilling is that you have to coordinate across provinces with different needs which also needs negotiating skills. BC is not keen to help Alberta, they'd rather develop their own Oil and Gas resources et.c which they are already doing. Ab is not helping issues with their shenanigans...
With migration, Trudeau already capped numbers for the next 3 years with aim to return things to the longterm trend. But already, house prices are upto 20% down in some parts and the economy is quaking. Like I said, the answer is not always end immigration- it hardly is.

MicheaD:
Falling house prices aren’t some “discount sale” to celebrate !they’re a direct hit on people’s life savings. For most people in canada and Canadians, their home is the only tangible asset they count on, especially for retirement. A price drop means lost equity, shattered financial security, and wiped-out investments. And don’t fool yourself about buyers rushing in when purchasing power is weak, even cheap homes won’t move. That’s not a healthy market; that’s a broken economy.

Fair enough. We're saying roughly same thing but is seems you missed the meaning of my post. Reason 'discount sales' were in inverted commas

The point being made is that people seek simplistic outcomes to economic issues without considering all the underlying complexities. This has led to the rise of grifters like Trump, Farage etc who point to immigration as the cause of every problem.
Some of these wants are 'we need house prices to drop significantly', we need zero immigration' e.t.c without asking what zero migration or a 20% drop in hose prices actually means for the wider economy. House builders will not build if prices drop below cost. What happens to jobs and the wider state of the economy where hosuing forms >30%of GDP and theres a sharp significant drop in prices. This is not to say housing crises or 'uncontrolled immigration' shouldn't be adressed. It's just saying the right questions are hardly asked

lavida001:
Grow up Doc.
By the way How is Canada today.

Hehe.. you now have the opportunity to engage me on an issue so dear to your heart but your circling around. Later, you'd start clutching straws

You seem more focused on Canada so I'd share- Canada so far has been fab. Did hit the ground running and returned to the UK after a while to pay my allegiance to King Charley and pick up my kpali. Weather in Cana has been brill though I'm not looking forward to winter. Roads, cars and houses are spacious and gallant. Financially its been quite good and this is coming from someone who earned circa £200k in my last UK tax year. I'd give a snippet -in all my years in the UK, my bank no even sabi me. In weeks of getting to Canada, I don get 2 account officers - one perosnal and the other for my professional corp. When I have issues, I send emails and they call. Within weeks, I have access to 370k cad in funds (yes 370k). There's more.... Over 300k of that is a line of credit with quite favourable rates. I'd put in in perspective- the rates on my line of credit (LOC) are less than what I'm paying my UK bank for my buy-to-let mortgage. And that LOC is freely available to me to draw down and pay back at anytime I see fit. I was already considering a few more BTL in the UK but I say not now...let us see where the UK is headed first. I'm now waiting for the next market crash to show some luv. Nobody can accuse me of not having 300k to take risk . Of late, my bank has informed me they are willing to approve upto 1m cad for a mortgage within months of arrival. Guess what? my line of credit can be used as the deposit. Hehe... This is the definition of giving someone a wife, then going ahead to buy them bed plus a packet if viagra- no excuse not to kerewa. I'm sure, they'd next pass me on to their insurance providers to discuss options. As pastor Adeboye said, may God give us good problems. I shout Amen.

Cars wise, I no wan talk. Cars abi trucks big pass UK house (look up RAM 3500). I was in a delership recently as I was torn betwen a Lexus, a Lincoln, an Infinity or a Genesis. The way car delerships chase one reminds me of market boys in 9ja... one said he'd pick me from my house and drop me at home.... I said, young man, take am easy. Them go use call harass you. My deal was signed at 9pm - over an hour after they had officially closed. I was wondering, this wouldn't happen in the UK. Capitalism can be sweet ooo

Well that's enough for Canada. Lets focus on the UK as per the title of the thread. Why not ask what's happening in the UK make I give u update. Pensions, ISAs, BTLs e.t.c. You might also ask me to further demonstrate why you're not inferior to folks u see around u

Zahra29:
I "repeated" the trade deal twice for the benefit of any readers like you who hadn't heard of it.

A trade deal is rarely ever 50-50 but it does present significant opportunities which both parties are expected to leverage.

The Nigerian government should have listened to their lawyers' vehement concerns and negotiated better terms for the country - that's literally their job. Unless they were forced at gun point to to accept the deal, which I doubt.

I was about to take you on this but noticed multiple folks have done a better job at it already.
I'm curious though- when you played the gender card, did you really believe it or were you hoping it'd be another distraction?

EJIOGBENIMI:
My own was “ The moment you crossed 100k, for every 2 pounds you earn, you paid 1 pound in tax”
Can you please educate me more on SIPP?

Maybe its their usual line as many think the next treshold for tax increase is 125k forgeting you start losing your tax free allowance plus some other benefits (if eligible) at 100k. This is not even factoring in NI. It's difficult not to see it as working for the govt.

A SIPP (self-invested pension plan) is pension you create and control where its invested. You can begin taking from it 10years before the state retirement age so at 57 now and chose what investments (st0cks, fvnds e.t.c it goes into). Also 25% upto a max of 250k is tax free and can be taken as a lump sum or tapered out. The rest is taxed at prevailing income rates at the time (taking into consideration all your income sources). The idea is that on retirement, you earn less and pay less tax. Also gives you the option to retire early

Reason for the tax rebate and seeming generousity is that the govt looks to encourage folks to save for the future. Secondly, pensions are taken before tax - this is the main reason as the govt only calculates your tax after pensions. Salary sacrifice is similar but this time around taken before NI (so both employer and employee benefit). It's common with private employers.

Across all pensions (incl NHS), you can put in a maximum of 60k pa or your taxable income (whichever is greater) into a pension. Say your taxable income is 30k, then your max is 30k but if 80k, your max becomes 60k. This your allowance can be carried over for 3 years I believe but the annual income cap still applies. The dilema for those working in the NHS is to know how much your NHS pension for that year is worth so you know what more you could put into a SIPP. Its tricky to calculate but can be found on your TRS which comes out later in the year. I tend to use my previous tax year TRS to gauge. So if I estimate my NHS pension for that year was 20k, I know I can put 40k.

As an example, lets say you earn 120k but contribute 20k into a SIPP, the provider immediately requests 20% (i.e 4k) from the government. So in essense though you deposited 20k, you'd have 24k in your pension free to invest. As a higher rate payer, during your annual tax returns, they'd ask for private pension contributions. This is an important step many forget to do. You should then get a cheque or refund of the remaining 20% (i.e another 4k). Lastly, HMRC would calculate your taxable income as100k (i.e 120 - 20k pension contribution). So you'd still preserve your tax free allowance and other benefits e.g free child care (if eligible).
So in essence, that extra 20k has given you 28k while preserving your tax free allowance and others

EJIOGBENIMI:
Thank you very much. It’s all clear now.
I called them this morning and the representative took time to clarify my doubts. Apparently I lost the 12,570 tax free bonus. My tax code was calculated with code 0L, not 1257CUMUL due to crossing 125k. That was where I got it all wrong.

Hehe. I wonder if you could have paid into a SIPP to bringdoen your taxable income. At your income level, you get 40% tax rebate on SIPP contributions.

Remember having that conversation with HMRC after some vigorous work and a the 'golden handshake'. The lady in a sweet calm voice said someting in the like of 'for every £1 you earn, you'd pay 50p + in taxes and... ' Told her no problem, I've taken note. Since then, I kept clear of that treshold.

lavida001:
Shame on them. Just keep doing the good work you do.

lavida001:
First I thought it was just one of but it kept happening over and over again especially from the minions and Hypocritical pretenders.
I stand strongly with you.

Not surprising that same bloke who believes himself to be inferior to others simply by virtue of being black if the one chorusing support for Z's ideas. Historical trends always repeat.

Goke7:
He said (from one of his posts earlier) he will stay in the uk till he’s 60 years old and return to Nigeria 😂 that’s how long Nigeria should wait for him to build the country!

Hehehe.. wawulence

ReesheesuKnack:
Anybody remember the debate last year when the (then) PM said Keir Starmer is clueless?

Anyone recall when Rishi Sunak said based on Starmer’s plans, the illegals immigrants will require BIGGER boats?

Here we are…/.

https://www.bbc.com/news/articles/c8e1xkwd74wo

Hehe... was always skeptical the Rwanda reversal would boomerang and that's already happening. Its what tribal politics leads to - senseless policy reversals. Ultimately, there needs to be a good enough deterrent to prevent unsafe crossings. It'd be interesting to see how the Labour govt deals with this.

lavida001:
Unlike you money means nothing to me all i want is a simple minimal life. You can go ahead and show off like you usually do on here of how much you got or have made/ invested. I cant be bothered about that. Like i said you are entitled to your opinion and journey mercies as you head to Canada. wont engage you further. THE END

Hehehe. Lavidaloca

lavida001:
I’m talking about it and advocating for it with any opportunity I have unlike many who don’t even want to hear about it. That’s the difference.

If you guys don’t care that’s your choice I will keep speaking my truth and don’t need your validations.

You keep telling yourself you're rallying folks to advocate for a better Nigeria but you're hardly doing that. You advocate that by investing or offering a superior argument - both of which are lacking. Which is also why you've been unable to get traction on the matter.

I'd say this plainly- there are some discussions not worth having with certain folks. If you do not see yourself as equal with those you see around you, then what conversations would you be having on meatier aspects of development?

Eitherway, I'd bite and ask- how do you intend to contribute towards development in Nigeria?

orjohn24:
As unemployment is raising and people start losing their homes, your idea of “national pride” will collapse soon. Pride without economic power is fake just like the way some shops are relabeling U.S.-made goods as “Made in Canada” to fool buyers as buy in canada made good. Stop deceiving urself

What should Carney do differently?

ferfer:
My little bit -

1) For sure, Canada needs to build it's economic base and this involves increasing both the population and economic activities including resource extraction. Perhaps, the latter before the former at this point if we are reading the room right...

Well said- alot of considerations need to be made including not appearing too desperate as Trump is also biding his time and knows it. I'm keen to see the endgame of all his interventions on average Americans.

Take housing for example- prices are falling in many parts but I'm yet to see new buyers jubilating and partaking in the 'discount sale'.

Reason I'm quite struck when the advise of some is that Carney should do whatever Trump wants. The wider question here could be - what should Carney do differently that'd bring significant economic change?

On what basis is EFCC suspecting them for fraud even to the extent of arresting them or is this just another blind arrest?

Truths9ja:
Why did America immigration agency denied Chief priest visa. Chaiii. Even chioma parent too aren't allowed entry to America. Just to tell you here that America is a well structured nation. Unlike Nigeria system

So denying her parents visas (if true), means they're a 'well structured' nation?
How inferior do you see yourself?

lavida001:
Some Africans will be Africans cant change nothing ! Cant be nothing!
And when you talk about it, they gang up against you. One even said he will come for me lol. That my own don too much on this platform lol. One even call me rat lol. Kemi spoke her truth about her shithlole boarding school experience and i urge her to continue on that trajectory, maybe that will make our politicians have a change of heart.

I sha Know say after our japa journey one day we go head back home and i hope there is a home.

Hehe. You took that personal. The issue with you is that at every turn you exude inferiority - that together with similar proclitive narratives lead no where. You wouldn't get anyone with a working brain following you down that path

Let me ask, how do you intend to build Nigeria?

I came to the UK in 2019. I remember asking on this page then if I could use some credit available to me then (and could easily repay) to get some business venture I had in 9ja going. Oddly, I got alot of shout down. When I was supported with £20k for my training, I invested most of that money in Nigeria at the expense of arguably better reasoning to buy a house in the UK (pre-covid boom). In my first 18m of being in the UK, I had invested over 40m in Nigeria. I get about 500k pcm from that today. A colleague of mine who modernised his diagnostic centre nets 1-2m in profits pcm which he continues to plough back into the Nigerian economy.

I have, still am and should continue to invest back home in 9ja as I have in the UK. The bottomline is that thinking home and building in the UK (or ones place of abode) are not mutually exclusive and if you think seeing yourself as inferior is going to get anyone worth their salt to follow you, then you have to think again.

uchennay:
A country without economic sovereignty is just a state within a state, no matter how much it waves its flag. If you can’t control your own economic destiny, you’re simply operating under someone else’s rules and that’s not real independence.

Fair enough. Canada needs to build its economic base. Part of that may be by getting the right talent in and reducing intra-provincial trade barriers among others.

In relation to the U.S, Canada and to a large extent Mexico are quite different from most other nations.
Trump etal have not been flaunting to take over sovereignty of the UK. How many sister nations did Trump and his wingers go around calling the leader of 'a boy' as they did with Trudeau?

That's why I find the idea expoused here that Carney should do anything Trump wants as quite naive. Trump isn't easy to deal with and any move has to be weighed-up. Not being too brisk as Doug Ford and not being a stepover as many may want. Though time is of the essesnce, trade deals manytimes take years of negotiations to craft out if both parties are to benefit.

Zahra29:
...
Both Suella and Patel almost derailed the India Trade deal because they opposed significant aspects mainly the proposed more generous immigration pathways and lower costs for Indian nationals. In contrast Kemi signed a landmark £7bn trade deal with Nigeria when she was Business Secretary...so emotions aside, one could argue that despite her jabs, she's perhaps shown the most support to her country of heritage.

When you keep repeating a something, its almost always dodgy.

Thanks to Trump, there is a wider understanding today of what trade deals actually mean.
The UK and Nigeria signing a trade deal is not something to be happy about without knowing the details (both theoritical and practical). A 'trade deal' can in many cases be detrimental you know? I had my skepticism about the deal given how quickly it was seemingly put together. Not knocking Kemi here- she acted in the best interest of the UK (which she represented) but that shouldn't be misconstrued to mean she did same for Nigeria. Infact, the opposite might be the case.

Talking about the deal, our lawyers vehemently opposed it. UK trade with Nigeria is currently tilted heavily in favour of the UK and that tilt is accelerating perhaps due to the 'trade deal' you expect us to be thankful of.

Goke7:
Run o! 🏃 any hole wey dem dig for you 😂 jump n pass!

As for our dear aunty I don Dey see many FGC shagamu alumni posting on social media their prison uniform for school and where they are today! The same prison made them but couldn’t make Aunty get to understand who she be gan gan, abeg second base jare!

I could have alot of issues with our Unis but many standard secondary schools do thrive to put the best into kids with the little they have. I went to a military school where corporal punishment was then the norm. Though I don't subscribe to corporal punishment, I have no regrets going there and my life pathway might have been very different if I didn't. There are folks who still send their kids back to school in 9ja

Regarding that stint, it was an interesting period of time. The lady appeared to be doing well for herself, holding a good role in an oil and gas firm. However, despite being the one to reach out she also appeared unduly paranoid from the start. I kept wondering- if you're so scared of Nigerians, why seek to date one? Ultimately communicated to her that the kind of man she seeks would not tolerate her baggage.

geekybabe:
Lwkm. Coming from someone who only reads about canada online.

People who live here are complaining by the day and the discontent has never been more louder. If an election is held today Carney will be out the door. Every decision he and the liberal govt has only made things worse. And before you come for me, you cannot have concrete opinions about a place you don’t reside in.

Ad hominem, ad hominem, ad hominem. FYI, I live in Canada. Let me see what other excuse you'd use.

I'm not doubting your belief that he'd be out of the door. Afterall, even at the end, folks here believed he didn't stand a chance and PP was coming out top.

Things are tough for many but fixing an advanced economy requires pragmatism not chasing the next populist idea. We've seen where an extremist fuelled need for change pushed Nigeria (i.e Buhari), the UK (i.e Brexit) and now the U.S (i.e Trump).

I hope you're not advocating he does whatever Trump demands including forgoing our sovereignty.

NewT123:
My apologies, I am referring to a mortgage in principle. I had one prior to going for viewing but it didn’t come with the interest rate. Now after getting my offer accepted, my mortgage broker requested to do a more deeper dive to recalculate my affordability and offer a new agreement in principle, this time with the interest rate and other product fees.

If you've settled on a solicitor, you could send them their details while you finalise on a mortgage offer with a broker. The solicitors would still have to do searches e.t.c which takes time.
Regarding mortgage rates, Barclays tend to be relatively fair even for folks on visas. Their rates are available online and you could see where you fall - same with many providers.

Diplomacy2020:
Thanks for your prompt response.

I am asking for the purpose of ILR and not on mortgage.
My worry is the restriction on the visa that you can't do any other work or business outside the healthcare.

You can register or be a shareholder of a company while on a visa but there are certain limitations- main one being how much time you spend working for your company. It should be less than 20hrs but this may not be provable and if a BTL, it shouldn't be an issue.

ednut1:
he sold himself as a master negotiator. The only man that can stand up to Trump bla bla bla. But he removed the counter Tariffs without announcing it. Now Trump has hit us with 35% tariffs. And the CUSMA trade deal which covers 90% of Canadian exports to USA is due for renewal next year. Trump is basically tanking the Canadian economy. Unfortunately Canada only has itself to blame. Since 2015 the liberal government cancelled/suspended energy projects including pipelines due to the unwise net zero agendas.

It's interesting that its only here I find people blaming Carney for Trumps nonsensical ideas.
Being a good negotiator does always mean bending the knee.
It was during Trumps visit to the UK that it became clear Starmer would push towards recognising Palestine. Why didn't Trump raise issues with it? We need to understand the way the current U.S govt sees Canada is much different than how they see most of the world- it's like being the younger sister of a bully. Moreso, Canada being a high HDI nation with vast resources means they are less likely to bend over and let Trump do as he likes.

Canada is not a slave nation, it wasn't built on bending the knee and its not going to survive by doing that. Negotiations come with dignity and if you give into everything Trump wants, then get ready for endless demands.

ednut1:
Elbows up 😂. People voted him to protect their interests because of what PP was saying e.g reduce immigration which inturn reduces housing prices, for recent immigrants reduces chances of their relatives coming over, cut government workforce ( in many provinces govt is the highest employer), wnd wokeness . Unfortunately those things are already happening under carney. Only a matter of time before he is kicked out

You mean someone who only just came in?

It seems the perception of most folks here is not in keeping most Canadians. This was also evidenced at the last election where Carney won depite folks here believing he stood little chance (even at the end).

I'm yet to encounter widespread discontent against Carney. The general understanding is that he is facing unusually difficult issues but the expectation is that he's calm headed and could reign in on more agressive folks with Doug Ford (as he's done) who don't mind a fight.

Diplomacy2020:
Good day all
Please can someone on healthcare visa tier 2 register a Ltd company or be a shareholder for BTL purposes?

2 things here.

Someone on T2 can register a company or be a shareholder (restrictions apply).

If using funds from your company as your deposit, you may need to have 2yrs of trading history/tax returns.

Since you have a PAYE job, best might just be to state your deposit is savings from your PAYE role. If there are deposits from your company to your account and they ask, you could then say it's your company. This was the advise by my mortgage advisor when I applied. He didn't bring in my ltd co so the process could remain straightforward.

LionInZion:
I'm beginning to think Kem is suffering from some form of complex - the kind that makes people talk unnecessarily and recklessly and though they secretly hate they do so but can't just help themselves. I don't know if there is a medical term for this kind, @Jedisco?

Her recklessness has made her a persona non grata to many Nigerians and Africans. And I'm sure it's a matter of time before the British people, whom she's dying to impress, begin to see her for the joke she really is. Personally, I don't rate people who badmouth and ridicule their roots, for there is no greater inferiority complex.

Kemi has her issues. People like her manytimes start out being ambitious but tend to overcompensate to please the baying crowd. This is not helped by the fact that they think themselves to be special especially when there are not many like them around. An Indian would find it harder to constantly spew such given they'd just be one of many who have done well.

She reminds me of someone I encountered recently in a romantic setting. Her parents also migrated when she was young and she'd only been back to 9ja once. She was seething with a narrative of how bad Nigeria is. I told her she reminds me of Kemi- gave her the peice of my mind and shut it. Some people are not worth the stress

Agree with the bolded. I'd contest that the education Kemi received in FGC Sagamu was not dissimilar in quality to what many similar-aged Brits received in the UK at that time. Yes, our educational system has it's challenges but there are many Nigerian professionals performing well in the west partly thanks to the education they received back home

Goodenoch:
Everybody will see it eventually.
..

For someone who is the leader of the UK opposition, the amount of times she's spoken about Nigeria in a personal fashion is surprising. If its not about her 'ethnic enemies', it's false narratives about citizenship or another ramble

In his early days, Keir did a good job of putting her in a cupboard. Now he is struggling, she's been unable to take advantage but has rather continued to languish.
I wish her well.

Bourne007:
I'll take a look at Quidco. I mostly use vodafone's My Reward for cash back. Any which way na way o

Hehe.. Quidco aint bad. I have used it over the years for stuff I was always going to buy. Just checked and I'm at £436 - mostly from purchases. Also nice that when one comes to withdraw, there are additional good deals to be had via gift cards.

Another good discount site for healthcare workers is bluelight card. Na from there I dey buy all my Samsung electronics

Bourne007:
I use either these sites. Not sure which terminal you flying from but best price I saw for 2 weeks is ~£150.

https://www.aph.com/ or

https://www.purpleparking.com/?agent=BH430&awc=12028_1750793228_e0352c89c3beb6a10e5732eb9d50871f&sn=1

Was wondering why his quotes are so high. Perhaps he's using official Heathrow longstay parking which is more of a hassle than the meet and greet options where you drop off and pick up your car off at the airport short-stay park which is next to the terminal

All the times I've parked in Heathrow which is usually for 2-3 weeks, my fees are usually abt £150 or less.

I tend to put searches thru cash back sites like Quidco as the rebates manytimes do add up.

fuckJones:
We're is the federal characters in his donation?Peter will never be president

Crap

MrIcredible:
People no dey ever hear word, it's the same thing everywhere around the world, ESPECIALLY AMONG AFRICANS!!!

You hear pilot or air hostess announcing it several times, but some unfortunate and stubborn people won't listen. They'll only stop pressing that phone when the network stops connecting, putting the lives of others in danger.
Last week, na so I just dey look all of them dey make calls, do Facebook, tiktok etc

Stop talking crap and looking down on yourself.
If you've travelled outside Africa, you'd know many airlines these days alloy folks to us their phones in-flight and keep it connected both during takeoff and landing. Our local airlines should upgrade their equipment.

Interesting anx trending vid I came across..

Not very often do I watch a longform video. Medhi is good at his job though but the kind of ideas gaining ground are troubling.


https://www.youtube.com/watch?v=2S-WJN3L5eo?si=reitTcYqzl48wUwj