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Jedisco's Posts

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Business › Re: He Told Me He Sent Me ₦2.1 Million, But This Is How I Knew The Receipt Was Fake! by jedisco(m): 10:06pm On Apr 20, 2025
Love800:
What's the difference between bank app and online?
Or, can you state the various ways, one can check/transfer money in your account?
By 'online', that is the secure website of the bank where you can login from any browser, check your balance and make transactions.


To transfer, you could use an app, 'online (i.e website), USSD (i.e specific phone codes). Other methods would be cheques, via an account officer (for certain accounts) e.t.c.

In todays world, no one should be using a screenshot from the sender to verify transfer of funds.
Business › Re: He Told Me He Sent Me ₦2.1 Million, But This Is How I Knew The Receipt Was Fake! by jedisco(m): 2:26pm On Apr 20, 2025
maureensylvia:
Sometime earlier this month, around past 7am, just as I was heading out to drop my kids at school, I got a call.

...
Why are you relying on a screenshot (or even SMS alert) to confirm receipt of funds?
So if the person didn't seem in a hurry, would you have released the goods?

Forging a transaction screenshot to have all features of an original can be done in seconds.

It might be you were targeted because they know you don't have a quick and reliable means to confirm receipt of funds. Calling your account officer for every regular transaction is not a good use of time.
Your bank app or online account is the quickest and most reliable way of confirming
Politics › Re: Nigeria Exempted As Trump ‘moves To’ Shut Down US Embassies In Africa by jedisco(m): 11:30am On Apr 18, 2025
Tracka:
Trump is a mad dog, but African countries have no single value at all oo
Easy with the self-deprecating statements. The value of a nation is not dependent on the presence of a U.S embassy. Moreso, it's not just in African nations they're shutting down embassies - even Scotland might lose its embassy. Would you say other nations lack value because of a U.S embassy?
Travel › Re: Living In The UK: Property,Mortgage And Related by jedisco(m): 9:05am On Apr 18, 2025
sholadele4:
I went with Barclays 5 years fixed deal. The interest rate is 4.62%. 90% LTV.
It's a fair deal especially considering the LTV

I'm also with Barclays but variable. Can't wait to remortgage
Crime › Re: Kenyan Men Posing As Sexy Masseurs Caught In Robbery Stunt by jedisco(m): 11:48pm On Apr 17, 2025
Kenyan law enforcement agencies have copied this illegal habit of parading suspects. People are innocent until peoven guilty.

Its a pathetic way for incompetent security agencies to make it seem they are working. After parading suspects, next is to release them after bribes. Any of such (if at all) should be done after conviction
Travel › Re: Living In The UK: Property,Mortgage And Related by jedisco(m): 2:54pm On Apr 17, 2025
sholadele4:
I have been a silent follower of this thread. The level of help I have gotten from the information shared here is huge. I want to say a big thank you to all the people who have been giving valuable insights and supports on here.

Finally, our first home buying journey has successfully ended after exactly 2 years and 10 months of arriving in the UK. We got our key yesterday.
Congrats. Done in good time too.

What was your mortgage interest rate and what duration was it for?

Looking to get a pulse on the market
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 3:49pm On Apr 16, 2025
Zahra29:
Lol.... who's "we"? 😂😂

Anyways, I call it strawman fallacy.

It's not ad hominem because I directly addressed your comment(s) which have revealed your naiveté about the UK electorate and politics. For example, your comment expecting Kemi/Tories to have made significant gains in the year after their near-extinction at the polls. Hilarious.

What is ad hominem actually, are your comments about your Dear Enemy. After being persuaded to dislike her by your followers lol, you now persistently attack her and even go as far as making up comments that she didn't in fact say, in an effort to further your narrative and delight your base. Rather "chaldish" (in the words of Love Island 2019 lol).
Zahra29:
@Jedisco, your Dear Enemy has posted on the Supreme Court ruling on the definition of a woman. I hope that you are in agreement?
Double quote.. Hehe... Even more vituperation.

You've had enough of my time today.

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 11:24am On Apr 16, 2025
Zahra29:
I think we can both agree that you lack knowledge/ experience of UK politics.

Go ask Theresa May how she's faring now. Gun, trigger, cupboard indeed😂
Lol.. typical.

We call it ad hominem.

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 10:49am On Apr 16, 2025
Zahra29:
That you really think the Tories, under Kemi or any other leader , were expected to rebound in just 1 year after their thumping at the polls, shows your lack of knowledge of how UK politics works.

You clearly don't know many years it took Labour to claw back credibility and support after their defeat under Gordon Brown in 2010. And Labour's defeat in 2010 was no way near as catastrophic as what the Tories suffered last year. Same story when Tories lost power under Major in 1997 - it took them many years (and many leaders) to reemerge as a viable opposition.

Carry on being obsessed with Kemi and her "cupboard" 😂😂😂 but the reality is that the Tories are destined to languish in the electoral wilderness for a few years yet - regardless of their leader. No one is expecting Kemi to lead them into the next GE (I don't even think she's expecting to tbh) but that won't change the outcome much - Reform is Starmer's headache for the foreseeable future, that's who he's trying to sweep into the "cupboard", not your Dear Enemy.
Are all these vituperations just for me?

At least, we can both agree that our anchor baby is staring down the barrel of a fully loaded gun. I hope she knows to keep her hands off the trigger.

As always, I can only wish her well.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 10:28am On Apr 16, 2025
Goodenoch:
Yes, and just a couple of days ago the US VP was talking about how the UK and UK are likely close to a deal.

There have been issues recently with Chinese investments like the British Steel Deal and the Bradwell 2 proposed nuclear plant but again one can see Starmer handling the issues speedily and effectively while avoiding any diplomatic fallout.

The reality is that the fellow is quietly competent. Not bombastic like certain other folk, and he certainly has faltered here and there but he's clearly a steady pair of hands and exactly what the country needs in these times of serious uncertainty.
He is (and this is coming from someone who didn't vote Labour). He has a calm head that doesn't seek controversy.

Even on discussing with those angry about his moves, they know he's doing the right thing and are unable to highlight an alternative option. This is another reason why Kemi has her work cutout - despite challenges, his performance has been good enough that she's struggled to sell alternatives. Trumps shenanigans and his unpopularity locally hasn't boded well for her. The only criticism of him hat sticks is that he is not ambitious enough i.e not looking to make wild changes to the system. This can go both ways.

From the riots, to Ukraine, to Trump, to China, to legal immigration, to the rape issue, to the NHS, to even removing undocumented migrants- its been all clear talk and do with no populist catch phrases.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m):
Zahra29:
...
One latest poll has Starmer on a negative rating of -26, compared to Farage and Badenoch on -4 and -8 respectively. ...
Hehe.. not surprising you managed to drag Reform into the matter.
I wonder what Reform has to do with Starmer effectively putting Kemi in a cupboard. That Kemi has been unable to capitalise on an expected first-year slump in Labour's popularity is concerning.

For Reform, the last time their likes pushed policy, it brought about Brexit which I am forever grateful for. If my compatriots feel they are the best deal, I'm happy with that. A part of me wants them to win - they would bode well for my business interests. Moreover, certain lessons have to be learned twice.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 8:46am On Apr 16, 2025
Goke7:
That’s a casted format now. 10% tariff na your mate?
Starmer has done a good job of cozying up to Trump. I gather the UK are top in line to receive American freebies.

Still wondering what is going on between us and China though. Lots of back and forth but this governments message has been clear- we need them. I'm beginning to appreciate Starmer's diplomacy with both the U.S and China - cozying up to them but standing furm on local issues.

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 1:03am On Apr 16, 2025
Goodenoch:
Lol! I missed that and have just looked it up.

It has always been clear that she's incompetent, and that culture wars are her only forte. It's unsurprising to see that she's a liar, to boot.

Now that she's in a top job and she can't hide behind anyone (while undermining them as she did Sunak), even her supporters can see through her easily.
The bolded got me thinking. Her unravelling has been quite telling. She looks increasingly desperate with each day that passes- clutching at anything to gain attention. She had so much goodwill at the start but instead decided to focus on her 'ethnic enemies'. Recently, it was that major Tory donors have refused to fund the party cos they believe she stands no chance.

Despite being quite loud on her achievements and hoping it was just a slow start, she kept digging herself in.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 10:25am On Apr 15, 2025
Goodenoch:
Easy - She would have said they are bum wipers who don't contribute anything so to hell with them.
Trumps shenanigans and Starmers handling of it hasn't given her much wiggle room. Truth be said, Starmer has been doing the lords work on her lately - she no dey remember 9ja. The media cancel on her is quite strinking though. Whenever she's in the news, its either because of a gaffe and her removal being predicted or on certain reportage where due to fair reporting rules, her opinion has to be included as the opposition.

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 10:31am On Apr 14, 2025

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 10:13am On Apr 14, 2025
Goke7:
Folks like Cyberknight, I remember, have said here that very soon they will learn the hard way that cheap labor subsidizes the American economy.
The 'beauty' of capitalism. Even if one doesn't like capitalism, to do well in the west, one needs to understand it.

Just like pre-Brexit, I'm sure when folks asked what would happen to the care sector e.t.c if eastern Europeans stopped coming, avid brexiteers would have said 'good! they're stealing our jobs and keeping wages low'. Well, we know how things went.

One thing I've noticed about major western nations is that they not too infrequently mimic themselves. You can just about predict how one would go by looking at another.


Poor Trumpists are still waiting for the freebies they were promised.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 9:56am On Apr 14, 2025
Goke7:
grin to fix potholes and clear rubbish off the streets don choke now.

As for the markets, insider trading galore, only God can forgive sins o grin
Lord knows what inside trades must have happened.
I stumbled on a video of Trump saying how much his Team made- I'm unsure if it's recent or legit.

Upper weekend, I was too 'scared' to buy and free money no dey. This last weekend, I looked at my pension account and unknown to me, the 20% government rebate of my last personal contribution was sitting there. I jejely placed orders- make I follow Trump et.al jolly.
Too much uncertainty but a V-reversal wouldn't surprise me.

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 8:22am On Apr 14, 2025
justwise:
China will feel the pain as much as America until they managed to sign a trade deal with a bigger economy somewhere around the world.

China cannot consume what they produced despite their population.
In absolute terms, more pain should come Chinas way. However their ability to tolerate and absorb the pain is much higher than the Americans. It was inevitable they'd lose low paid manufacturing as their middle class grows and they've worked towards that. Today, the likes of Apple and German Auto makers would do everything to sell in China. Also, for China, it was also only a matter of time before they'd clash with the U.S and tarrifs on them have long been mooted. I'd be surprised if they don't already have a clear pathway to adress this. American companies OTOH are largely surprised at the scale of this

In addition, the Chinese are far less exposed to the stock market. They've had their issues with housing where most invest in. Americans OTOH, have most of their retirement funds invested in their markets.

Lastly, China owns hundreds of billions in U.S debt which they have began to sell down to great disarray at the White House. America own squat in Yuan debt.

I'm hoping that for the rest of the world esp 9ja, rather than this be a case of '2 elephants fighting and the grass suffers', smaller nations could ride on this and drive better investment opportunities for themselves. China needs aggressively fund development in some nations allied to it just thesame way America did with Japan, South Korea and Europe after the world war II. That way, both parties would come out better
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 5:56am On Apr 14, 2025
Goke7:
grin Liberation day don turn to shege day!
Hehe..
Tariffs on China to reduce taxes on Americans. Sounds very similar to 'we send £355 miliion to the EU a week'. This seems to be their Brexit moment and they may very well learn the British way.

So far, China isn't blinking and the U.S is looking increasingly desperate to discuss.

Eitherway, with the market selloff, it's looking like those who bought last week sniped a good deal.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 5:47pm On Apr 13, 2025
Interesting...

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 5:44pm On Apr 13, 2025
Hehe... Trump chasing straws

Travel › Re: Living In The UK: Property,Mortgage And Related by jedisco(m): 5:33pm On Apr 13, 2025
EJIOGBENIMI:
Thank you for this detailed response. Yes, the 3 rooms are sufficient for us.
I'd say there is a reason the 3-bed seems more popular than the 4 bed. Good chance that does not change anytime soon.
Travel › Re: Living In Canada/Life As A Canadian Immigrant Part 2 by jedisco(m): 6:23am On Apr 13, 2025
Whats happening with Trump

First this
President Trump reportedly told farmers, "We're also going to work with them that if they have strong recommendations for their farms for certain people, we're going to let them stay in for a while and work with the farmers," on Thursday, April 10, as reported by The Washington Times. Essential sectors like agriculture, hospitality, and others that depend on manual labor must have access to workers, he said. The president implied that these employees will formally apply for permanent residency status in due time.
Then this
Smartphones, laptop computers, memory chips and other electronics will be exempt from President Trump’s so-called reciprocal tariffs...
Capitalism grin
I wonder if this is their Brexit moment- they are about to learn the British way

Travel › Re: Living In The UK: Property,Mortgage And Related by jedisco(m): 6:10am On Apr 13, 2025
EJIOGBENIMI:
Please what’s your thoughts about semi-detached and detached properties. I’ve inspected some properties this week. We fell in love with 2 of them. They’re both in the same development. Property A is a 4 bedroom semidetached with 4 toilets. My madam is in love with this property due to the top notch finishing. The sitting room and the kitchen was finished with porcelain tiles and the fittings really enter my eyes. It’s a well maintained property. The bathrooms are top notch too. This property has parking space for 1 car. We use 2 cars . We can always park the second car by the road side.
Property B is a 3 bedroom detached, 3 bathrooms with a garage plus space for parking 2 cars. Neat and simple finishing with laminate flooring. Same price range. I’ve seen the survey reports for both. I may pay a little more to win the offers for B, based on speculations of being more popular with more potential buyers.
I’m currently renting in a detached property. My colleagues were pointing out some cons of buying the semidetached. They think I can always fix things up in the detached property, including converting the garage to an extra room in the future if the need arises.
Like for like, there is usually a prenium on detached properties. In your case, there are some differences in both but being on thesame development makes it easier to compare.

For the 4-bed semi with 4 toilets, is it across 2 floors? Cos family houses with such are generally priced less as many households with young kids would want the living quarters on one floor for practical reasons. Also, many built that way (i.e 'town houses') tend to be quite narrow of late.

That the 3-bed detached seems to be more sought after already tells you something. I was in a fairly similar dilemma when I bought (with the 4-bed semi being upto 20k cheaper) but was also advised against a semi. Some colleagues in semis have had issues with neighbours especially when you have young kids playing around or neighbours smoking hemp. For one, the only thing he regrets in his house is that it's not detached. Sound insulation between modern semis tend to be good, but even at that, vibration still travels thru.

Finishings are great but they are fixable and come in and out of vougue. There are parts of a house you can't change- in this case detached or semi. Also having a garage with parking for 2 cars would always carry a prenium especially if sited next to the house.

Lastly, you need to factor in your family size and plans ahead. With 3 kids, if you're the type that has family/friends over often, the added space is needed.

For me and with limited details given, I'd largely tilt towards the detached.
Politics › Re: Full List Of IGR Generated By Each State's Local Government by jedisco(m): 10:35pm On Apr 11, 2025
How are these figures populated?

The numbers there dont make sense

Of late we havd had a flurry of such 'statistical' posts here with very few asking how these numbers come about, what methodology is used and how dependable the figures are
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 6:49pm On Apr 10, 2025
The UK launched negotiations for a free trade agreement with India, which is seen as one of the biggest prizes of Brexit, in January 2022. Successive Conservative governments sought to strike a quick deal with no success.

It remains to be seen what the final deal would be. However, kudos to India for holding strong on this. Hopefully, 9ja could learn. If the UK wants good market access to a nation of 1.4 billion (and growing) with a consistent gdp growth rate of over 7%, then we'd need to offer good incentives in return.

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 7:43pm On Apr 09, 2025
Interesting data on tax bands.

By percentage of total income paid in taxes, the UK is still relatively good for lower income earners especially when compared with other western nations. That said, total earnings are another thing

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 7:36pm On Apr 09, 2025
jedisco:
Been following house prices for sometime as I'm in the middle of conveyancing and noticed good price drops across board in March - wasn't surprised to come across this article. Half a percent is a sizeable drop for a single month. Also noticed most houses that had a nice drop to now become reasonably priced had a sale agreed (STC) quite quickly. It appears folks were on the sidelines waiting to take advantage. Going forward, the stock market shenanigans is likely to dampen prices for a bit longer


With interest rates dropping, it might be a good year for those seeking to buy..fingers crossed.

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 7:34pm On Apr 09, 2025
Goke7:
Honestly it’s just confusion galore so tey our prime minister don Dey jam talk 😂 as the man is trying to become more Torries than the Torries themselves, how can you say globalisation is over? So which direction is he taking the country to. Anyway make I mechonu as usual.
The ultimate takehome for peace loving folks like me (who have been told not to upset the west) is that we don't know which west to appease- is the one led by Trump or is it the CANZUK west or is it the European west? Eitherway, I wish them luck. Everbody receiving wotoporiously and being afraid to upset the master.

Just imagine if China did half of this
Travel › Re: Living In The UK: Property,Mortgage And Related by jedisco(m): 6:26am On Apr 09, 2025
Been following house prices for sometime as I'm in the middle of conveyancing and noticed good price drops across board in March - wasn't surprised to come across this article. Half a percent is a sizeable drop for a single month. Also noticed most houses that had a nice drop to become reasonably priced had a sale agreed (STC) quite quickly. It appears folks were on the sidelines waiting to take advantage. Going forward, the stock market shenanigans is likely to dampen prices for a bit longer


With interest rates dropping, it might be a good year for those seeking to buy

Foreign Affairs › Re: Trump Imposes 104% import tariffs On China's goods to the US by jedisco(m): 8:11pm On Apr 08, 2025
Think9ja:
Lol

In times like this, black people go just sit down look because them no get anything to offer. They (blacks) are actually a dumping ground to both US and China.

Blacks no suppose de exit I swear

Very useless and unproductive race.

Na Bleep and relationship matter just full their dumb heads
You reek of inferiority complex. Black folks who think like you would always scrape the bottom wherever they are.
Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 7:23am On Apr 08, 2025
Goke7:
Baba Trump don keep all of them busy especially when Brits themselves are being told in America too to go back to their country 😂 no be only naija waka come after all
Hehe.. Mk I go find that video watch. Saw the headline (and picture of a shocked reporter) among all of Trumps doings but not watched it.
Interesting times- it appears the hegemony of the one united west against the global south is under threat. I'd expect China to become more aggressive when making inroads and offering deals in the coming years.

I'm encountering interesting conversations these days. Is speaking against America's current economic policy antagonising the west? Should we all chorus the current U.S govts propaganda as we are now in the west?

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