₦airaland Forum

NewT123:
Thanks bro. Just looking to sort this out and fix for 2 years. Got to plan for other commitments

Good luck... eitherway, the high rates now might not matter much in the long run.

Goke7:
😂 Indeed imagine 7 heads of government had to accompany Zelensky to the Oval Office to manage those children there . That’s how great again America is now!

Hehe.... na better line of defence. Even Mr Z finally wear suit.

Trump no be better person

Lexusgs430:
That group 1, that refused to buy, would continually pay (assist their japa colleagues), in paying their mortgages off...... 🤣😂

Don't worry about making rent payments (you're getting a service)....... 😁😊😂

Hehe...pity landlords. U sef na one.
Finally na selfless service. One group is providing housing, the other is supporting their landlords retirement abi mortgage.

My landlady dey sometimes look me as her retirement benefit... she no dey take eye see my rent. Once its past 8am the day before its due, she go dey jittery. She's retired and doesn't look like she has much in terms of income aside statutory stuff and her additional pension (i.e tenant). All said, housing is good.

Always found it odd when folks say their plan is to use house A for retirement. Inside life...

Zahra29:
Nope, his name isn't Utopia.

He's not famous either, although he's an experienced and successful surgeon.

Quite interesting that after playing the gender card, you still can't say what your thought process was or why you did it.

This is how Nigerians are accused of all sorts

Goke7:
Life is all by choice and target. All the advanced economies never sat down in their countries to build it, they did spread out to trade their skills, talents, resources and products to be where they are today. Anyone telling Africans to sit in their nations to build their countries just want them to remain poor. The Chinese understand this well hence they are spreading out everywhere! Indians and other Asians as well. Even Europeans and Americans are spreading out to the Middle East and Asia and I don’t see anyone bullying them for it or telling them to go back to where they come from. It’s just global trade whether people move in by air, land or water, na trade simple.

Fair point.. after interracting with many, I've come to see that it's mainly for Africans that travel is made to seem as a privilege. Sadly, we're also accepting it.
When I speak to Brits who have holiday homes in Spain or planning on a working break in Australia, they see it as a right. You sense the air of entitlement in their voice. Canada, Aussie, NZ, U.S are populated with folks of European heritage yet some Africans in this day and age still see travel as a privilege. I might excuse some folks in 9ja but those whove moved out should know better.

NewT123:
Hi guys,

As D1uncle said, your rates are quite exorbitant.
Know people who got mortgages even with a few months left on their visa but individual circumstances differ. Have you looked at Barclays?

The housing market is quite tepid and building your deposit for next 6months ish may be a good way to proceed

Interesting.... Perhaps an expansion

https://archive.is/iBcRv

Interesting article... know 3 folks in the 2024 group so not very surprised. Make madam Kemi no see this one though... she'd say 'those pesky Nigerians are now buying British properties to rent even before they collect kpali.'

Jokes apart, it reminded me of discussions that happened here recently with the visa brouhaha. On the one hand, some folks advised against buying property in the UK as they would ultimately return to 9ja. The second group countered the first advising them to buy eitherway so as to build equity. Seems like we all forgot the third and rising group - landlords who dont mind taking rent from group one. Good there's willful representation- at least that way, the money remains in the community.
Na joke I dey ooo...

https://archive.is/iBcRv

Zahra29:
Hallelujah 🎉 and congratulations on your "relocation"

Sure, let's meet up when next I visit Canada. I think I mentioned that my uncle is a physician there, a surgeon, and I have a lovely big family settled therein.

Gracias madam Z.

This your famous uncle, is his name utopia?

BTW, you still haven't answered; when you played the gender card, did you really believe it or was it meant to be a distraction?

Goke7:
instead of money na water your own don become 'kpali na water' sha no let awon far right see this your post o, before dem go increase that thing to 20 years abi kuku cancel kpali altogether cos the way people head dey touch these days like say another thing dey

Hehe...anything wey dem wan do na their business. If Brexit hasn't thought them lessons, a second one would. E no go surprise me say Kemi dey visit NL

Truth be said, it's opportunities we chase....the kpali is a byproduct. But we're more conscious of it because as Nigerians, we don see shege on account of kpali matter.
Hopefully we can build 9ja make our green kpali dey strong.

lavida001:
You are way educated for you not to understand my post and my stands. I wonder where you get the inferiority complex perception of me from. This is not new from you to gaslight people on here. I commend you you are good in that aspect. Your minions are there for you to gaslight but you can’t twist my words....

Hehe... I had to check your last few posts to be sure I'm responding to the right person. You that wanted to build Nigeria 'by force'... now builder is waxing lyrical... abi builder no wan build again?

Jokes aside, don't ask for conversations you can't handle. My offers still remain..buzz me again when you are ready to build Africa or discuss Cana.

lavida001:
Youna go build that Africa by fire by force

lavida001:
......
I know people dont want to hear this but Seriously something wrong with our race.

lavida001:
It’s funny how some of us come to this country and want to tell them how to rule their country try. Something we can’t demand in our country.
....
Better just take what they give you. Don’t forget you said you came here because of your kids future.

lavida001:
Their country their choice. Fix Africa only then you can be truly free.

lavida001:
You no fit complain for your country na another man country you wan complain abi.

The earlier you know your place the better. If you are not happy right to your MP and I’d like to see what that will get you. They are the majority and they will always have their way. If I see that what’s going on is not what I want I go back home. simple… the country don even tire me.

lavida001:
Really Has slavery truly ended?

I’m glad I can spark your brain to think critically. That consciousness about your root you must learn it by force.

Another senseless move by Trump. How long before other countries begin to follow suit and folks excuse it and say afterall, America does thesame.

https://www.nbcnews.com/news/nbcblk/even-1-new-tax-will-burden-african-immigrants-send-money-back-home-rcna224406

dimejalex:
Why would you want to move to ireland? wen you’re already in canada balling sir

Wasn't a strong consideration but an option.

Ireland has done quite well of late with the tax income from U.S companies flowing in. It's increasingly an option for consultants as the barrier to entry is less. However, I don't think many UK born folks would be keen to move to a country that have seen hell at the hands of the British. For we wey be 9ja, we don't care.
Knew a psychiatrist who had an offer there in the region of 250k Euro in Ireland. While preparing for the move, the Canadians asked for 'help' and he sent an unfortunately response to the Irish. In less than 3months, I was looking at the houses he was considering buying and was impressed. Ultimately, the UK is good but its not the only option.

Goke7:
Eku Canada o like my people will say! Looks like someone is really balling out there! Gracias and hoping in few years to come you won’t be confused on what to identify as 😂 cos na so e Dey start, just kidding but these are the kind of stories I like to read! 👍 you’ve worked your socks off so enjoy bruv!

Gracias! We are world citizens
Surely space for 1-2 more kpalis mainly for retirement purposes. Was thinking U.S but the tax implications (even on worldwide income) no be here moreso with the time involved. Perhaps next one go be a purchasable kpali ... possibly in the Caribbean. Nice, familiar feel, good nature and sandy, warm beaches.

lavida001:
No one is in competition with so grow up you and quit trying to prove a point.

Careful what you ask for they say. You had been goading me about Cana and I deliberately avoided giving you and answer so as not to sound hauty. Now I have responded, you are digging a hole. Next time you summon courage to ask, you'd get more details. Eitherway, when you are ready to discuss 'building 9ja', buzz me. At least you can see no one is running from that topic as you had previously made yourself believe- you just have to be matured enough to engage folks on certain topics.

Finally, when next you come singing how you believe yourself to be inferior and expect us to believe same of ourselves, always remember what I told you- we don't all think alike.

mex551:
Inside life

Good experience so far, not even touched on the clinical side.

They have what is called a 'meet and greet' - before one takes on a person as a patient, both parties meet and decide if they want to work together. I always find it odd when after I tell folks I'm ok to be your doc, they happily say thank you for having me as a patient.. like say na exam.

In the UK, was frequently on home visits during my lunchtime. Reception staff were frequently arguing with folks who demand home visits but can somehow find their way to the pub/saloon. For Cana- it's never been a consideration. Never done one and even if I do, na plenty thank you and appropriate bill go follow am.
Lots of 'free work' one did in the UK is paid e.g letters, prescription refill... are paid for here

Another frequent question is folks who worriedly ask, how long would you be here? When I enquire more, they narrate how their old doc left after say 6months prompting them to change. I tell them, I'm happy so far and not planning to move but can't predict the future. Afterall, na 6 yrs I dey for UK and something similar for 9ja.

Last one is folks that ask- why Canada? I tell them I moved to explore- life is for living. Then explain how I considered remaining in the UK vs moving to Ireland, Aussie, NZ or Canada.
Someone looked sad and said, hmmm.. wasn't happy he had never left Canada.

All said, so far, so good. We hope for the best.

Zahra29:
I'm also curious, as Cyberknight has suggested that we meet up, are you commenting from Canada or are you still in North England?

It feels like over a year since we all wished you Bon Voyage🇨🇦 , so I naturally assumed that you were long gone, but it seems the opportunity might not be lost.

Thought you said I was too cowardly. We could meet...perhaps in Vancouver...beautiful city.
'North England'? Cant remember saying that.

BTW, I wonder what you think about the wording of the respective notifications from the UK and Canada. I found that of Canada warmer and more welcoming. BTW, I gather Kemi is complaining about Nigerians becoming British. Hehehe. Copy her in and send her my regards.


Well, I've been planning my Canada move for a while and had sought your advise on it at a point. You really did hope I'd be gone for good but not so quick. I had to first pick up my kpali so I can keep contributing and paying taxes to the UK govt even when in Canada. All said, in my time here, I've built a dense network, have quite a few relatives (thanks to B. Jo) and a few financial investments, pensions and property. That means I'd be forever linked to the UK - I no wan make my pension loss. Eitherway, I'd invariably visit often and could return at anytime I see fit. I know one of the requirements for the rent insurance on my BTL was routine property inspections - might do that myself or delegate it to the agent. I believe taking a flight from Canada to do that would be an allowable business expense and should give me the opportunity to enjoy the ever-green English countryside once again.


BTW, you still haven't said what was going thru your mind when you played the gender card. Belief or distraction?

The thing with negotiations as @ferfer said is that manytimes playing the long game pays off.

Trump has upended global trade. Though things looks to be calming, fact is they hardly have. The trade system we had was build over decades. There'd be lots of aftershocks with many untold effects that'd be difficult to conceptualise now.

A good example is Brexit- the UK naively exited the EU blaming the union for all their issues. The aftershocks have been brutal. Immigration they were looking to bring down went up by over 300%, the economy is not booming as they had imagined e.t.c. They thought they'd walk into good trade deals afterwards with major countries like in times past but these nations preferred to trade with the EU than UK. After years of desperation, the country signed up to a one-sided deal with Australia. A deal so bad that Australian journalists mocked the UK on live TV over it.

Case in point here is that with the U.S, if most expost is currently protected under CUSMA, Canada might be better off not rushing into a deal. Discuss, but be dogmatic. If things start going south in the U.S, the last they need in a year wiuld be further upheaval of the vital resources Canada provides which gives Carney more leverage. To get there, we might need to bide our time for the next few months as Australia did with the UK. Negotiating these deals are hardly straightforward and always bending the knee is never the answer.

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?