Jedisco's Posts
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Cyberknight:Interesting.. not to belabour issues. But we're stressing different points. The argument is not an MP being the creme of the society or the mythical best but rather the effort taken to achieve that. That 'low' criteria is the reason why election results not being written in people's homes and why there's 'some merit' in the system. Laods of people aim to be MPs, very few actually succeed. Even fewer go on to stand out among peers and only a handful eventually become party leaders or the PM. I'm not a fan of Trump or Nigel but I appreciate certain skills they have. Just like success in most endeavours of life more so an for a public facing role, some might have struggled less but it's not an easy job. I would personally not take it up even if it was handed on a platter. After the recent terrible riots which I was very vocal about, there's no denying racism or the existence of glass ceilings. I have pointed out how years of biased reporting, microagrressions e.t.c led to rifrafs targeting productive members of the society. I have also been quite vocal about the huge sums immigrants have to pay for study, visa and settlement fees and how these in addition to visa restrictions ultimately lead to restricted financial outcomes and relative deprivation with its attendant effects (crime, health, life expectancy e.t.c). This still spills to the second generations. Acknowledging the existence of such is different from sitting back, doing nothing and blaming racism for poor outcomes while not even trying. We as immigrants need to understand the pathway to deprivation so we can try doubly hard to escape it. It's also the reason why when I see minorities who have poked through the glass ceiling, I recognise the work they've done and want to know how. |
solveabode:What's the background story. Should get more input if the underlying story is clear |
lavida001:There are many reasons why countries like the U.S cannot stop giving aid. If they do, recipient nations would start asking troubling questions e.g why do we trade in the dollar. People mention billions of usd thevUS gives- that billions of usd are numbers magicked out of thin air on a computer. They should reflect economic output but trillions printed during covid taught us different. The US is only able to do that cos they own the world reserve currency. Any money spent to cement that position (e.g on aid, military e.t.c) is 'justifiable'. If the global south moves to doing trade/storing reserves outside the usd, it would wreck significant havoc to the US. Except in times of war or special situations which shouldn't be everyday, aid hardly helps. That aid would do us better if it's instead used to fund investigation of stolen wealth, prosecution and repatriation back based on certain criteria or if its instead help with setting up the right technological, agricultural infrastructure. A functional refinery would do us significantly more good than billions of aid. Ultimately our leaders need to understand there's no free lunch and start building too. |
Move in the right direction but much more should be done He should only come to the media to inform citizens by how much food production in Kogi has improved. Records which should be verifiable by independent agencies |
lavida001:Cautiously in support |
lavida001:Aid goes beyond the desire to help and manytimes is used to achieve soft power, regime change and mostly brings more benefit to the giver than the receiver. There'd always be some focused, tokenised projects used as a wallpaper to sell it. Aid is like giving someone just enough to keep them alive and see you as their saviour but never enough to do anything useful. There is a reason why virtually no country in the global south has made any progress with aid received. Most are structured in a way to make looting them back to lending nations the end goal. American help to the Europe and Japan after the world wars was structured very differently. Caveat: this is not absolving developing nations of certain responsibilities. Another question is to ask what happens when the West stop giving aid? Recipient nations begin to seek options elsewhere prompting the West to come running back. Good example are with recent Chinese loans which the EU and the US are now mimicking after years of criticising them. Another example are the recent cocoa wars between West African nations and global beverage or chocolate companies. Despite rising prices of end goods, only a tiny sum of money in the sector (5% or less) got to the farmers and growing nations. Their governments had been pushing to raise the floor price of cocoa beans so farmers and local economies could benefit. Nestle e.t.c though being able to afford this were vehemently opposed. They instead opted to give aid i.e plaster the pictures of hapless African children over the Internet. Most of our recent major infrastructure have been thanks to Chinese loans. Ask yourself how much the UK has done to support former colonies like Nigeria to achieve economy-changing infrastructure projects over the last few decades. Rather, it's about tokenised bits called aid. That is why countries like the U.S cannot stop giving aid. If they do, countries would start asking troubling questions e.g why do we use the dollar P.s, the term 'third world' can be many times be considered derogatory. I'd rather global south. |
danny34:Sad to read. It seems this would be the rising trend among many masters students especially those in non-healthcare roles. Aside seeking sponsorship roles that meet the salary threshold, you can seek out roles in sectors that are exempt e.g the NHS. Also gather the prison service offer sponsorship. If you can't, then paying your PSW fee might be the only way to get 2 further years of stay, garner experience, income and keep pushing. Also worth looking at the Canada healthcare draws. I have stumbled upon a few who have applied for their healthcare draw successfully the basis of being a carer or HCA so I'm guessing your role in youth residential care might count if you've achieved required hours. Hopefully, others would shed more light. Good luck as you navigate this |
Cyberknight:It's easy to dismiss people's achievements until we understand that becoming an MP is not a walk in the park. It's easy to join the popular voice of painting all politicians with same brush until you ask yourself why those 'bright heads' abusing politicians are not running for office. I might not agree with all her politics but I recognise her brilliance. I am wondering why you should elevate the thought of 'someone somewhere' to such pedestal allowing it to have an outsized impact over your psyche. It leans into the self-deprecating views I spoke about. Many people including Trump believed Obama was not American enough to be president. I guess he should have dropped out of the race. In Nigeria, we had religious riots fermented by almajiris- having witnessed same, should I think any different of myself because an almajiri somewhere thinks I'm an infidel and the cause of his ruin? We live in a changing world. We are not English or white same as we're not Zulus e.t.c . However, being British goes beyond that. Many of us here have/would earn the right to call ourselves British. If we allow the opinion of someone somewhere (e.g recently convicted rioting criminals) to limit our thought process and achievement of we and our kids, then we'd have no one to blame but ourselves. |
Disgraceful! He should show us what impact he made to the lives of Nigerians. How many political leaders of wealthy nations run off to other countries after their tenure displaying such extreme opulence? How much more Nigeria riddled with significant poverty brought on by his likes. The respect he seeks can only be had by moving Nigeria forward. |
What difference does being black American make? @Seun. Such should not be elevated to front page |
edmasta01:Hmm... 100% is a bold thing to say especially in investment. Looking back, property just about tracks inflation. Adjusted for inflation, property prices are in the UK today similar to what they were 2 decades ago. A global index or the S&P is at an close to an all time high. Property only begins to shine when you factor in leverage i.e using the banks money to achieve profit. But then, one needs to know how to utilise leverage i.e taking a mortgageat for a sum and allowing inflation devalue the sum borrowed. The downside of property us the direct tax exposure. As we've seen over recent years, when the government is set on a group e.g landlords, they can turn a fledged business into a struggling one.
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lavida001:Hehe... the dynamics behind aid is far reaching. The US does not have universal healthcare but give billions in aid. China has it's domestic challenges but do same. There's a reason for aid and it goes beyond the surface |
edmasta01:It's worth being careful with such. There are tons of tiktok and YouTube videos of 'property millionaires' discussing how to flip properties. Many of these 'millionaires' might make more money from YouTube than any property (if at all). I considered it but on looking in, got more details. First, if a property only needed paint to achieve an extra 40k, valuation, the vendors would paint it. Most of the doer uppers I see are already priced in a way that cost of renovations are taken into account and unless you're doing heavy renovations like fitting new kitchens or bathrooms yourself, you might come short. I recently had to cost the price of a new kitchen, bathroom and other bits on a property I was looking at and saw it'd only work at 40k below asking which vendors were unwilling to consider Looking at your examples, take a few costs into consideration. That of conveyancing (solicitors e.t.c) is in the thousands. Also, once you get a BTL mortgage, you start paying monthly for an empty while you're doing renovations. Putting a property back on the market withing a short period can raise suspicions with some lenders declining to mortgage it without a good reason. Overall, you're looking at 6 months at least of mortgage payments on an empty house. When you sell, there's capital gains tax to pay on profits. If one is not seeing a good uptick in value which simple repainting would hardly achieve then it's worth threading with caution. Reason why for such endeavours people use cash or bridging loans which are more expensive than mortgages. If you decide to rent, it's worth taking into consideration the recent tax changes if the property is owned in your name. If one decides to incorporate, it's worth being clear-headed on the numbers it takes to make things work. Overall, property can be a good invested but it's for many a longterm game and important to consider changing rules. |
Goodenoch:LISA vs Pension There's no hard and fast rule. Recently found myself in a similar situation but this time considering whether to only use a S&S ISA or also use a LISA. LISA has the 25% bonus on entry but for a higher rate tax payer. The rebate on a SIPP is 40% at that rate. I stumbled on some independent analysis of both and it seems most people would turn out better with a SIPP. Another consideration is the ISA vs SIPP. As an ISA gives the added flexibility of withdrawing at anytime e.g to fund early retirement until other pensions kick in. |
BondRiv:If we don't move our country forward and attain economic power so we can determine how our country is run,, then just the way we now speak English and are Christians/Muslims despite many of our forefathers not agreeing to such, we would eventually have no choice but to align to the rules of powerful nations we go borrowing from. That's how power works |
Interesting take. I agree with most of what she said asides billionaires being evil. |
https://www.youtube.com/watch?v=kTmXlNHheXo?si=pxc-5UtG_0eD4Iij Came upon this interview with Kemi and interestingly watched it all. I may not agree with all her points but my God, she's impressive! For someone who spent most of her first 2 decades in Nigeria and describes herself as a 'first-generation immigrant', it makes her current achievement and being the frontrunner to become the Tory party leader (irrespective of outcome) all the more impressive. Respect to her parents who molded a black Nigerian lady giving her the confidence to aspire to the top. Across the pond we have Kamela- a lady born to both immigrant parents now in prime position to be the president of the U.S. It's no coincidence that the profile of her parents are equally impressive. Overnight the discussions here around Chidinma flashed back. It's interesting some Nigerians see a lady who is South African by birth as mistepping for contesting to be Miss SA. No doubt that feeds into some on the self-deprecating views which some of us share about ourselves. The issue with believing such is that it would show when one interract with others as you would kowtow believing yourself to be inferior. Your kids viewing would pick up on that and may tow the path of violence or bottom scrapping as they never experienced better. Imagine Kemi or Kamala approaching Nigel and Trump respectively seeking permission to run for office. Hehe. You don't take permission to aim higher. Many of us can today excuse ourselves for not heading to the top by being a recent immigrant and all the constraints attached. But let's be well aware that our kids (irrespective of their determinant socioeconomic background) would have no excuse if they find themselves languishing at the bottom. If they blame their skin colour, others will say but we had a PM of Indian origin decades ago. Recently, the GCSEs were released and I mainly got to know about it via colleagues sharing on groups I belong to what uni and couses their kids got. Those kids would have been trained to take no permission to succeed. Also recently bumped into an Indian health care assistant (on near minimum wage) putting in extra hours so they can purchase a house in the catchment area of a sought after school all so her child can go to a top uni. I'm not writing this to convince adult folks to unapologetically aim for the top but rather for us to inculcate in our kids (for the sake of the black race if not for anything) the belief that heading for the top is not an exception but rather the expectation and equip them appropriately. |
lavida001:I'm a GP |
Warriorprince:Hehe.. I believe you or did you see me doubting you? ![]() |
Warriorprince:You know alot about this your friend. Hehe It depends on a few factors - for old builds, you need to consider if it's chain free, how quick your solicitors are and if issues come out during a search. 2-6 months is about average. So yes, she could start now and complete in about 5m. Regarding offer price, it also depends on a few things. Mainly price of comparable houses, state of the market and how long it's been on the market. Newly advertised houses are less likely to be reduced. At time goes on, sellers become desperate. Market is slow paced now but has shown some resilience. There's no hard and fast rule- but I'd go with 5-10% less than asking depending on a few bits and not be afraid to up it to asking for a well priced house. Most would need to bid on a few properties to before they arrive on one the buy so no harm starting early |
Wetin dey do our thread..... we've not woken up from the post riot gba gos abi. Finally kudos to Kier Starmer- there's room for improvement but this is how uprisings should be handled. Also kudos to the many Brits all over the country who fiercely stood against far right racists. All said, looking at the profile of many of the convicts, I just feel sad that such rifraffs were stocked up by politicians and given a pedestal to point fingers at productive members of the society. All reminds me of past religious riots soldiered by almajiris in Northern Nigeria. Imagine what drives the thought process of someone like this who after living his entire life on other peoples taxes turns around to blame others for his self-inflicted woes Judge Robert Linford told Cann that during police interview he "spouted the dangerously inaccurate nonsense that was behind these incidents of disorder countrywide" pointing out that he told police during his interview that the protests were about "an immigrant that had killed girls".https://www.liverpoolecho.co.uk/news/uk-world-news/judge-explains-rioter-hes-no-29734794 |
deept:Finally... There are people you don't want to live next to- from work, I sabi them wella. Thankfully, haven't had any significant issue on mine. Regarding the HA tenant I mentioned, sometimes our eyes would cross on my way to/from work and we'd exchange 'hello's'. Na why when missjekyll on the other thread mentioned hospital referral as a panacea for sick notes, had to ask if she'd experienced the social system before. Funny thing is I was about the first black owner on the estate so perhaps some were sceptical of me. Remember meeting my neighbour and about the first question he asked was where I worked. Almost told him I was an assylum seeker. The last census mentioned only 1 black person on the estate. Now we are more but less than 5 families |
AKALAMAGBO:Lots of variables to consider. I'd prefer to look at it based on individual locations and make direct rather than blanket comparables. In some parts, old builds are more expensive or equally priced as new builds. New builds are generally very energy efficient and nothing triggers me like having a 3 or 4 bed with one toliet- not surprising was that was the first thing I checked on any house. Another advantage of new build for first time buyers is that the developers make the process easier. When I was searching, I considered a number of old builds but most had one issue or the other and hardly justified the asking price. Those that ticked all boxes were more expensive or equally priced. UK in general a preference for the old. Also on Reddit, its worth being aware of certain nuances e.g when folks generally complain about the 'build quality' of new houses while turning a blind eye to same issue in old houses. |
As lottery winners? |
What nonsense! It's disgraceful this is what we have reduced ourselves to. An unknown person shares bigoted views of our ladies and we rush to put it on the front page of the largest online forum. @Seun think deeply Imagine the largest Emirati form elevating such bigoted views of their people from a Nigerian and fellow Emirates frolicking in jubilation What's worse are the little minded men celebrating, your self esteem is lower than low. Why not ask him whether he has better views of Nigerian men. All around higher species, masculine strength is not shown by subduing female species. If you want to be 'alpha' it's fellow men you should aim to first dominate. You must start by saying what you have achieved that your fellow men cannot and how men look upto you. Until you lot understand that you cannot have useless female folk without having equally useless men only then would you see that insulting your women is same as degrading yourself. I hope you all get the opportunity to leave this nation and see that basic human characteristics are universal. |
Stumbled upon this thread on Reddit https://www.reddit.com/r/HousingUK/s/IIJStJhg0h I wonder what the experience of folks here have been regarding social housing on new estates. Would it be avoid at all costs or it doesn't really matter? When I was buying, a house I was targeting (big flat garden) was directly opposite a terraced group of social houses. A friend advised I skip except I want to be 'watching a drama series' through my window. A few home owning friends mentioned same (in addition to avoiding semi's or terraced) and although I didn't think it was a big issue, I heeded their advice and took another plot which overlooked a natural landscape with the SH slightly behind. Glad I made that decision. Despite being a 'nice' small estate in a good area of town, most the police presence so far has had to do with the SH houses. One night, it was screams all thru from one of the houses. Their Kids are constantly in the street playing- mostly in front of my place which is the nearest close. I'm not bothered by their play but how late they keep makes me wonder. Many times still there past 9pm in summer. The annoying part is occasions where I heard mother and young kid hotly exchanging swear words. Looking into their garden in the morning you'd sure be met by a sight. Odd thing that the adjacent shared ownership SH has a much different vibe to the rented ones. I remember asking the developers who gave me a look when I asked about the location of SH. I later asked why the most expensive houses on the estate were tucked a good distance away from the SH. Also many of the SH have a good setback from the road reasons which are becoming obvious with time Overall, I'm happy with my choice- but if buying again would be sure to again ask for the location of SH and try to keep my distance. |
Ticha:Handling kids + parents is the main headache I see. Perhaps younger kids will be less problematic (not that any group is easy) Any reason for the bolded? |
Overthinker:Hehe... Tuale... Na fees get you so ooo |
Zahra29:Madam Zahra... not today. It is not the first time you have accused me of abusing Brits. The last time I asked to show evidence, it was a game of dotted circles. So I would indulge you this time. On the second bolded part, I have not come across anyone particularly not on this thread who has advocated an open door policy. So no need belabouring it. The crux of the matter is that while repeatedly insulting our very intelligence on a Nigerian fora, you take good objection when the slightest non-favourable thing is said about Brits. I understand that a number of immigrating Africans sadly have esteem issues ingrained over the decades which is evident on this thread by a few folks who have described themselves as second-class humans, but ultimately, that characterisation of oneself can and does change with exposure and most importantly, doesn't include all. My issue here is the absolute lack of responsibility by previous governments on immigration. They cannot purposefully ramp up migration, and then demonise us giving room to rifrafs to start throwing aspersions. If people are annoyed with migration, they should not take it on me- They should blame their government who made the pathway available in the first place and told me on arrival that I am needed. Same government who gave me 20k grant to take up a chosen pathway Same government who allowed me work unlimited hours when covid hit Same government who paid my visa fee on renewal plus my employer who advised I apply via the more expensive priority visa (as it would be refunded) so I can start early Same government who when faced with the prospect of long health worker strikes went back again to relax the 20hr rule so migrants could support the NHS during striking periods. Same government who when faced with the prospect of my colleagues leaving the country after training due to visa technicalities, had to practically remake the rules to allow them work freely for 4 months while making a choice Same government who gave me the option of a 10k or 20k grant depending on the way I wanted to work after training Or my employer who offered to help with my ILR cost if I stay with them. While being grateful, it's disheartening to see the length the govt and employers go to retain the talent the British public need all for some rifrafs to cast aspersions. Good thing is that there are loads of vacancies in my sector for rioters willing to apply Finally, on Reform, remember I said I hoped they win. Some lessons need to be learned twice. |
dupyshoo:The archived page to circumvent the paywall: https://archive.is/qHCIB I'd like to see how this tallies with those receiving benefits. The graphs are quite telling. Obviously it's an economic issue - one exacerbated by the fact that a good chunk of these 9.5m demand pristine NHS and public services. I fully support this demand only that such well-oiled services need to be manned by people and they need to be funded by taxes. So ultimately good chunk of people have to work for us to have a functional society Interesting quote- I wonder how it tallies with other data: Splitting that figure up by place of birth, UK-born people account for 833,000 of the increase, with 230,000 people born in other countries. That is to say, the overwhelming rise in worklessness has been driven by those born in the UK.
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Cyberknight:Good read... digested it last night. Delving into the linked articles was brought to fore certain economic facts. More needs to be done to relay the fact that there's no significant relationship between immigration and wages. Some things might seem like 'common sense' initially but on deeper thought, it wouldn't be as it seemed. It's how some Nigerians largely blame high blood pressure on thinking too much... I know stress could be contributory but there are much bigger drivers at play. Eitherway on migration and realities of a falling population, Japan continues to find out |
Solumtoya:Fair points raised. Lots of conversations are still taking place. Hehe... I remember the good old days when every other page had a question on credit score or about a driving test. Some complained then. Remember asking then why the issues raised here sounded quite basic and far removed from other UK-wide fora. The group will morph as time goes on and people settle in and I believe it has. One can only pass a driving test once and credit score craze soon fades out when one realises it means little. We now have a dedicated housing/mortgage thread. Someone even mooted an investment thread. Maybe with time a retirement thread, e.t.c Remember Justwise wasn't here for a period and the group modulated it self. Yes, there were a few squabbles but things went on fine. Ultimately, it's an open-ended group and different themes will dominate which will with time not be disconnected with what's going on in the UK as people become more 'British'. |
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so much points delivered precisely and always saying it as it should be……we the association of silent readers and silent learners