Jedisco's Posts
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Cyberknight:Hehe... don't be so grim. 20 yrs is a long time. I believe there'd be state pension long into the future. The parameters might change but any government that cuts it down significantly would be toast. Governments would rather bring in more people to support the system than tamper with state pension. For now, I hardly have a choice but I'd look keep contributing including voluntarily even if I leave. |
Knowlegeseeking:Had same dilemma a while back. I'd say for full fibre, go with the lower speed and cheaper one. Most providers would allow you upgrade if its not fast enough. A quoted 50- 75MBs download speed would be more than enough for the needs of most. I use a similar plan with multiple devices and have never felt it lag. Also worth purchasing through a cashback site such as Quidco if the numbers stack up. I remember I got about £100 in cashback for my current plan. |
Cyberknight:Hehe... who go gree for higher tax in this environment. It's a trilema - maintaining good social/healthcare standards, lowering taxes/growing the economy and reducing migration. I wonder when last a UK govt was able to achieve all 3. The issue is people would vote for their personal interests and when the population demography tilts so much towards older folks, they'd force government to make decisions that unduly favour them. Look at all the drama limiting winter fuel payments caused. Same group worked much shorter years than their offspring and living much longer than their parents, had generous pension plans, cheaper housing, accumulated huge wealth, and are guaranteed a state pension that rises faster than workers salaries but yet, they still screamed to high heavens for a sum many of them can do without and are keen on scrapping inheritance tax. Imagine what would happen if the tripple lock was abolished. Me that is religiously paying my NI... let nobody tell me no state pension when the time comes. Las las we go dey all right |
In other news, care costs strike again. Not a surprise to me as I sometimes find myself haggling with social care staff to fund care or with folks who think it's my job to supply them carers. I feel for some social care staff though... they're being squeezed on both ends. 'Care authorities' ![]() The spiralling cost of social services is eating into the budgets of England’s largest councils to the extent that many will soon be forced to abandon “nice to have” functions such as arts and youth clubs and Sure Start centres. Council leaders are concerned town halls are at risk of becoming “care authorities” focused primarily on the provision of care packages to an expanding number of at-risk children and frail adults at the expense of other services. Some top-tier councils are already spending as much as 70-80% of their annual revenue budget on adults and children’s social care – up from about 50% a decade ago – and say costs in these areas are rising and increasingly unsustainable. https://amp.theguardian.com/society/2024/oct/03/rising-cost-of-social-services-in-england-putting-arts-and-youth-services-at-risk-say-councils
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missjekyll:Hehe. The difference in headlines when such popular data-based stories are reported throws light on where major UK media houses lean. One can tilt so far while remaining 'impartial' The dominance of deaths over births was described by economists as “a stark reminder of Britain’s demographic challenges”. With student- and migrant-friendly cities ageing more slowly or even getting younger, and rural villages ageing faster, policymakers will face divergent demands to provide more social care in some areas and more school places in others, said Charlie McCurdy, an economist at the Resolution Foundation thinktank. The headline and reporting from the Guardian paints a different picture I.e we need them. Reminds me of a conversation I had with an conspiracy theorist during the riots. I was quick to remind him that Britain is in an 'enviable' position where birth rates were well below replacement figures. I.e., if no/little immigration occurred the population would quickly begin to fall and reminded him how that'd mean less traffic, huge jump in pay, less crime, cheaper housing e.t.c. Chap was looking bewildered. Proceeded to explain how this is very easy to achieve by ending/capping study visas, care visas and limiting the total number of work visas issued to say 20k. Then asked him why no government over the last 2 decades has taken any firm step to achieve something so easy. Funny enough, he was educated enough to not be convinced doing that would make his life any better. The next 2 decades should be an interesting one to live through.
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Cyberknight:I largely agree with you. The issue is that despite the Lib Dems arguably inflicting more harm on the conservatives, top runners for party leadership appear more focused on moving further right to fight Reform. Yes, Reform had a decent showing with the popular vote as expected of a populist party (similar to UKIP of 2014) but these protest votes were thinly spread and largely non-effective. OTOH, many Tory constituents of 2019 (i.e get Brexit done) opted to vote an ideologically different party (which was looking at returning to the EU) than go hard right with Reform. Regarding Kemi, I feel she put jumped the gun by thinking being a finalist as a given hence targeted recent statements to appease the membership of the party who would eventually vote rather than fellow MPs. It appears many MPs did not take kindly to those statements as she has failed to consolidate votes. It would be a lesson if she falls short. |
Kwankwaso may be thinking about 2031. I.e looking to secure votes of SE/SS should he and PO fail in a joint 2027 bid. He knows fully well it would be difficult to beat an incumbent as devious as BAT |
Goodenoch:Something happened last week and I pondered over this again. Since coming over, I tend to visit Nigeria yearly sometimes 2x a year and see the drop in living standards even with the recent fuel issue. Also, working in healthcare I know many nurses. Would I choose the life of a band 5 colleague over say folks living in Wuse e.t.c (which is where 60m/yr would be)?. Different strokes, some certainly would but agency in one thing that weighs heavy. For older more established families, it's even more difficult as the very fabric of the family can be torn apart moving from a peaceful home in a largely patriarchal and religious society to a western one. That might be the start of the end. In the end, each mallam with his kettle |
Cyberknight:I largely agree with you. It's largely a traits of the first folks to break a barrier. Such achievements take alot of work to achieve and in the process many tend to overcompensate in a bid to show they're part of the new herd. Alot of women would tell you they were treated more harshly by female bosses in male dominated fields than by male bosses. We see it many areas too. When an immigrant rises to the top, they tend to go over and above to prove they wouldn't be partial and many times block the benefit immigrants were already being afforded. Over time, this does change as more minorities people break through. The issue with someone like her is that she can say whatever about black folks/Nigerians and not be chastised as being racist. She can be the mouth piece for the most vile unsaid thoughts of the far right. She can virtually be their wallpaper and excuse. I saw her once dress down a labour MP who was raising objections to how immigrants were treated in Scotland. As Kemi begin talk, the opposing MP no sabi where to start again. Also, don't underestimate what someone like her can achieve both positively and negatively. Take a look at Nigeria with very 'powerful' presidents. Major constitutional changes that favoured a certain group (e.g Sharia, resource control, LG issues in Lagos) could only be pushed through by a president from the opposite side. PMB for all his bigotry couldn't see out his plans on grazing reserves. A PM like Kemi could go over and above to dress down migrants and refuce what rights they enjoy with little repercussions. Conversely, she can also be a beacon of hope for loads of young black people in the UK looking to rewrite certain narratives. Going forward, one solution is by making sure more capable minorities get to such positions. This makes it common place and means they'd be less likely to overcompensate. It also ensures diversity of thought. |
Goodenoch:Hehe. This your narrative na die. Na IELTs band 8.5 get you so It's now 'butaboutism' i.e a mix of 'Whataboutism' and the 'but culture' |
ehizario2012:I'm wondering.. what is the 'place' of immigrants in the UK and for how many generations does this place hold. By 'grabbing a mile' you mean? These your narratives far exceeded one person e.g Kemi and I'd like to know the drivers. |
Many don't understand that being able to speak another man's language is not a measure of intelligence. Virtually any child can sound eloquent with the right background. Many intelligent classmates had strong cultural accents and were not as fluent in English. Didn't take anything from their intelligence. All said, for optics, being fluent in one's lingua franca does help but its not the be all and end all |
spiSeyi:True, many nen don't fancy excessive makeup on a lady they want to wife. However, if you think the average Nigerian lady is entitled, then you have not dated a Western lady or even been in the West long enough. Entitlement is now a way of life in many developed societies especially Britain |
kwakudtraveller:We're in a rate cutting cycle and baring any unforseen circumstance, rates are expected to drop but not as low as they were pre-covid as it's clear all that did was to inflate asset prices. The govt is pushing to increase supply of new homes but a huge bottle neck not yet visibly considered is the workforce to build such houses in an affordable way. Eitherway, getting on the housing ladder early is advantageous |
Rent money is... (I no tok anything).Getting on the housing ladder in an appropriate manner does provide good stability. This is not to demonise landlords providing good service. https://www.theguardian.com/money/2024/sep/30/uk-house-prices-hit-highest-annual-growth-since-2022
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House prices and the economy have remained resilient despite rate rises. Same also with stocks, gold, and many other assets. Now that interest rates are on a downward trend, the recession scare hasn't materialised and we're witnessing a real rise in wages for the first time in decades, it would not surprise that nominal house prices resume and upward trend. For now, it's just a months data so worth keeping an eye on. For those looking to get on the ladder, no need to fear- keep pushing. Let's not forget that house prices have seen a 'significant' fall in real terms over the last 2 years as inflation ripped through and the cost everything rose except house prices. I.e the crash everyone was expecting might have already happened but in real terms. https://www.theguardian.com/money/2024/sep/30/uk-house-prices-hit-highest-annual-growth-since-2022
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Rampant inflation plus currency collapse without economic growth is terrible. Recently was speaking with someone who was advising I buy land as investment in certain areas. Person used their purchase years back as an example. At about 2009, they had bought a piece for 16 million. That piece is now about 75 million. Good profit he thought. We sat down and crunched the numbers. 1. 16 million in 2009 at exchange of about 135 was about 118k usd 2. 75m today at an exchange of 1600 is about 46k usd. I.e 72k usd lost. This is depressing but then we have not considered that the dollar itself has lost over 40% of its value in that time. So despite the land being worth more naira, there is no real term return (i.e after taking out inflation) but rather a significant loss. Some might say why bother about usd- this would be true if our currency was stable. Today, the usd exchange determines the cost of most goods we buy. What burst our brain was crunching the numbers to see if that money was put in a globally diversified index fund. Historically, despite volatility, these have yielded an average of 7-9% annually longterm. That 118k usd if invested in a global fund would be worth at least 374k usd today. That's how to track or beat inflation and how many westerners fund lavish retirements. I'm not even going into ease of sale e.t.c between both |
emmaodet:Good expouse. Issue is that CBN is copying what western nations did to combat inflation without first asking themselves why it worked there. Consumer debt is huge in the West meaning a small rise in interest rate would affect how much people can pay for housing, cars and their disposable cash. In Nigeria it's the opposite. What's worse is that while we all agree inflation was driven by reckless new money printing, where we differentiate from stable economies is how much we print is what we use our new money for. The nation is not using new money to provide infrastructure, support SME's, free/affordable healthcare, good education to its citizens rather it's being looted by politicians or siphoned to the rich why the everyday folks suffer the effects of inflation Before Buhari, all the naira ever printed was 19 trillion. Buhari + Emefiele printed over 30 trillion. I.e in 8 years they had access to almost double of all the naira we had in our combined history. What economic output was that used to create? Ultimately such printing would lead to serious inflation which was worsened by the fact that our economy regressed during that time. |
PrettyPacy:I used moneybox for cash LISA and Dodl for S&S LISA. Both solid |
Sad story his marriage was. I hope he didn't belong to the 'Ivorian girls are useless crew'. Blokes on Nairaland who are quick to abuse Nigerian ladies should study his travails and understand that: 1. Humans worldover have same basic traits. For reasons of evolution and so populations can survive and get better with time, female species are generally hypergamous i.e attracted to mates with coveted characteristics in their community. In humans it could be finance, power, looks e.t.c. In lower species, it's even worse with sometimes the strongest male being the only one that mates after killing off competitors. That's partly where the term 'alpha male' was coined from. 2. There is no other country (aside Nigér or Chad perhaps) that has its female folks roling over to worship you. First ask yourself, what coveted traits do you possess in that society- That's the key. 3. Lastly, any human population with 'stvpid or.... women', would have a similar population of 'stvpid or ... men'. This is especially so in patriarchal societies like ours. In summary, 'redpill' and 'alpha' is not about insulting your women in the foolish hope that other women would treat you any better. It's about being at the top of your food chain. |
ehizario2012:For me coming over was a no-brainer. The increase in pay was in multiples. But even with the state of 9ja today and what I know, if I was earning 5m (with good career security and progression), I would give serious thought before deciding to migrate to the UK esp to earn basic pay with linear increase. U.S or CAN PR would have been more tempting except that's the ultimate target |
justwise:Interesting take. Let's widen the net. Do you think that living in the West automatically puts any migrating Nigerian above every Nigerian back home (aside politicians e.t.c)? I.e someone on minimum wage in the UK is overall better off than someone earning 15m in 9ja? |
080bjaked:Valid point. The best part is that this was raised here rather than general NL. The last decade has been economically devastating for many Nigerians mainly fuelled by collapse of the currency. I however believe we are approaching a pivotal point in our nation and with our size and significance, we mainly need to get a few critical bits right to reposition ourselves and let that momentum do the rest. There are examples of nations that have gone from where we are to developed within a generation and that presented tremendous amount of wealth generating opportunities and create value fulfillingly. If this happens, very few would be better suited than ourselves. Working in the NHS on that pay with a family to support can be really stressful. What's also not factored in is that this is a person in an elevated position back home moving to a band 5 role in the UK which puts one at the forefront of a well entitled populace. Despite varied opinions, the consensus seems to be that in the current future her quality of life would be much higher in Nigeria but longterm, if the decline back home continues and also considering the socual safety nets in the UK, emigrating should pay. Yes there is the mention of infrastructure, security, health e.t.c which are all valid but let's also remember that when compared to western nations, relatively few Nigerians have emigrated- and overwhelming majority of Nigerians have never left Nigeria. A while back I met an Indian surgeon who has been here for several years and regretted moving over. He said most of his mates were earning much better with good QOL back home. Unfortunately, he was stuck. A number of such have moved back to India. If their economy maintains its current growth trajectory, it's only a matter of time before an increasing number of established ones return and emigration would be for the low-middle class, adventurous or super wealthy. Aside dring covid, I have visited Nigeria every year since I left. I still know a few Nigerian medics looking to return with some in the process of buying or building facilities. After securing some financial security, certain life aspirations (manytimes non-monetary) begin to matter more. |
MonsieurCoder:Hehe... you have delved deep. You took this one personal. |
dreamxhaser:People have said alot which are all valid. You're doing well in tech at your age and could build from here. Earning in forex while in 9ja also gives an edge but freelance work can change quickly. While financial investments are good, reasonable advise at your age would be to invest in yourself as this would ultimately determine your earning potential- that could be by means of training and location too. By training- you would know/could ask what additional courses e.t.c sell in your field. It's worth targeting those I'd say you should strongly consider moving abroad. Being a freelancer is even a plus as you can keep earning while you find your feet. Moving to the right location changes your horizon and perception and even of you want to return (as some do), you could be coming back with lots of advantages - both local and foreign. By moving, I don't mean going anywhere aimlessly but rather targeting wealthy western nations and going via the right pathway. I'd say the Canadian express entry pathway seems fairly suited now. Regarding location for e.g, there's a reason why currently most popular afrobeat musicians start from or eventually move to Lagos. It's not that they can't blow anywhere but Lag controls that market. Coming to tech, the overwhelming majority of new money in this area over the last 2 decades has been from the U.S and even in the U.S, it's narrowed to very specific areas. Even well paid European tech heads quite often move there. I also was on a good pay in my early 20's with a stable job. Almost 6yrs after moving, about the best decision I made in life was by taking the exams early on to leave. It changed my horizon. Even on a general outlook, things like robust pensions, inflation proof retirement planning e.t.c are very difficult to grasp while in 9ja. Interestingly on a NL UK thread, ( https://www.nairaland.com/7695199/living-uk-life-immigrant-part-3/679#132020596 ) a nurse asked today whether she should keep a 5million/month job in 9ja or relocate to the UK (to work as a nurse - starting at a relatively basic UK wage). The replies from those who'd seen both sides were interesting. Some were for and others against but it all shows the stakes involved. |
missjekyll:Should we then rename this UK credit card or driving licence thread or basics of being in the UK thread? Personally, I see this as a roundtable/beer parlour discuss and don't see a need to strictly police what can and can't be discussed as far its reasonably aligned and folks don't carry on a tangent for too long. What might be worth considering is changing the thread title to 'Nigerians in the UK' i.e removing the immigrant badge. |
Goodenoch:Spot on. Had to quote it all I don't delve so much into the comments to protect my mental health as I already know whats there and the ignorance can be annoying. Most UK media is self-reinforcing and over time has their target audience. I manytimes comment on reddit though. Having witnessed such riots growing up, fact is the few who go out to cause chaos do such do so in the belief that they have some backing from the majority. It's that silent support and roundabout justifications (as you put it) that's more destructive. It's what MLK referred to as the ultimate tragedy. |
Treadway:Same here. I don't worry much about local U.S laws. You're obviously not happy about her stance which is very often connected with wider views. As for the one who wants to make America great, he's had 4 yrs already and no greatness came forth. Let Kamela mix her own version of greatness. No need going back. Anyway, if he is unsuccessful, hope we would not still be discussing MAGA in 2028. |
Cyberknight:True... or even tuition fees paid for those who come as students etc. Fact is the article is mainly about how low wage earners (immigrant or not) supposedly take more than they contribute which is significantly worse with lower earning Brits. It always amuses me how UK media houses drive the narrative with the heading and the opening line/paragraph. To many readers that determines most of what they take in. Imagine the heading and first paragraph whereas that same article goes on to give the quoted. Just like with certain racial issues, you can't accuse them for lying. They have reported thesame fact in a way to siut their narrative which ultimately defeats its purpose. All you need do is look at the comments that follow. While low-paid migrants are a drain on public finances, the OBR found that the average migrant worker pays more in tax than they receive in public services throughout their lives compared to British-born workers. This is mainly because they are not educated in the UK. Migrants also pay visa fees and health care charges, which the OBR estimates at around £12,500 for a migrant on a Skilled Worker visa who settles in the UK. Most migrants are also not eligible for welfare benefits for the first five years of their stay.
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AgentXxx:Lol... it was a comedy of basic errors. For most, it's anxiety which didn't appear to be an major issue with you. I think you were being over-confident and undermining the test cos its straightforward. Confidence should come from knowledge no be only bravado. Perhaps, if you had settled down, taken 10 - 20hr spaced-out lessons, you might have pulled through on your first attempt. |
Treadway:The general narrative would only take time and concerted effort to change. Wouldn't happen soon. What the last 10 yrs did was to elevate such rhetoric to the front of our national discourse with government ministers saying the worst which ultimately culminated in the riots. Hopefully, the governments response should help cause a reset. Labour would likely let in much less people and might even be 'tougher' on immigration but the difference I hope is that such rhetoric is not kept at the fore and the country can start looking in to solve its issues and ultimately appreciate immigrants for what they bring. |
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. Nigerian women are yet to understand that looks are the last thing men of this generation consider when making choices for a life partner. Men just want peace and a woman that will support their dreams
(I no tok anything).