₦airaland Forum

missjekyll:
Bravo/Brava!!!
Was just about to say this.
Jedisco, do have a gander at this

https://www.standard.co.uk/homesandproperty/property-news/why-so-many-empty-homes-in-london-b1077385.html

Have you ever wondered why most everyday folks think the conservatives historically do a much of managing the economy than Labour despite the latter being the ones who are traditionally keen to tax folks. It is easy to think 'tax them to the teeth' so I can have more. In reality, it works differently.

Your quoted link does a good job of pointing out facts as against populist narratives.

Cyberknight:
Your points are well made, but I disagree with all of them.

Foreign investment in property in the UK has been largely negative in terms of consequences. Effectively, people in the UK, with its lowish levels of pay and high costs of living, are competing against the middle to upper classes of the whole world to own property in their own country. The only slightly positive effect has been additional government revenue from tax on property related transactions, but in my opinion any benefit is outweighed by the overall negative consequences.

While the government was gorging on Russian and sundry other dodgy origin money, and dashing out residency and citizenship to anyone who rocked up with enough money of any provenance in their pocket to pay, its people were slowly being priced out of their own capital city and other desirable locations. While most people have the impression that its mainly luxury property in upscale postcodes that foreigners are flogging among themselves, that's not the case - they're everywhere, buying up new developments offplan, etc. Oxford, for instance, is full of rich foreign students and it sometimes seems as if all of them buy property before they leave.

Hehe... most of what I said was factual and not opinionated. Landlords have been selling, house prices and rents have hardly 'crashed' as expected but rather rents have shot up. Who would have thought? There are different market groups here. The house being bought by the Russian oligarch in Mayfair would not be in the hands of working class Brit before they bought it and even now if they are seized and sold or 'taxed to the teeth'. Don't forget it was the Russian money that the likes of Chelsea and the Premier league gorged on to generate such huge revenues for the country.

Coming to Oxford, forget the populist talk of 'foreigners taking over our land' because a few Chinese people own a home. People have also insinuated same about me despite my county being over 95% British white. Can you state what ratio of houses in Oxford are foreign owned and how this compares to other UK cities?

This is not saying that there shouldn't be effective taxation. There's already selective taxation in place for second and foriegn owners. All I'm saying is that taxation should consider the far reaching consequences, understand the very complex nature of housing and be progressive.

Drebal:
I thought you were referring to the caregiver route

Nope. That's new

Drebal:
is it open?

Was introduced last year and I've not heard about it being closed

mike2130:
please we need advice on the next thing to do concerning an issue about a Canadian visa. A nigerian travel agent assisted us to apply for a visa and told my brother that it was an internship. to cut the long story short we never heard anything from the canadian visa center after biometrics for over 1yr. so we asked the agent to cancel the application. right now hes not talking to us. we re trying to apply for a canadian tourist visa and the agent is not saying anything to us because we need the previous details he used for the other application. what do we do now? how do we get the information's he used previously? please advice pls on how to retrieve my brothers information so we can go ahead to apply again.

thanks

Another agent issue. Keep wondering why folks can't do this themselves

IyawoTM:
Please can anyone confirm what the different codes mean
Like W698654329
V109875098


Is it possible for an application to start with a V, but when the visa comes out the code will come out with another Alphabet initial?

Just wondering... is there a reason you can't sort your application yourself?

exclusiveoloori:
Pls house, my own question is, How safe is it to invest in T-bills with this rate?? I have been doing it for 12 years and the highest rate was 14% seeing it stop at 20% for a while now still amazes me. Yes I know inflation rate is high and other factors may have contributed to the sudden rise but pls experts in the house, are our monies still safe?. Hope we won’t wake up one day and hear stories. This our current government no get mercy o

What are the potential risks you are worried about?
If the Nigerian government defaults on its naira debts, then there'd be bigger issues to worry about. Worse case, they print more money and inflate the currency to paper.

Ghana had to renegotiate its debt recently but those we foreign denominated bonds

Vikkystar:
Pls does anyone know a financial institution that lends money with interest in Nigeria? I want to use it to complete my tuition fee, I have more than half of my tuition and also a place to stay over there.
I want to pay my tuition in full so that I would just be paying back the debt and not worry about outstanding fees issues that is currently affecting students in the UK.
My course is within the health sector and i have experience as a caregiver and a cardiorespiratory physiologist in Nigeria, I was told i would be able to get a job in both field as it is under short occupation.
Pls I need help with the student loan.

Given your experience, it might also be worth considering the healthcare draw for the Canadian express entry. That could be done over a period whether in Nigeria or the UK

lavida001:
If they are not careful Chinese will buys all their houses.

Chinko people have been able to manipulate the housing and many other sector of their economy.

All the blame on foreign ownership has all the trappings of the current immigration issue. Populist and a vote winner but just like chasing away immigrants it's hardly ever results in higher standards of living for the local polpulace. Even 9ja fcked around and found out.

Certain considerations:

1. Recently, due to tax changes, alot of landlords have been selling. Now combine that with higher rates which were supposed to 'crash' house prices and tell me how much of a drop we have had. Have landlords selling made renting or home ownership any more affordable?

2. The ratio of foreign ownership in the UK has remained quite small and has served as a good impetus to the building sector. Forget talk, is the nation really reafy for a drop in house prices just like in Japan?

3. Many countries (NZ, AUS, Can) with higher ratio of foriegn ownerships have banned or severely restricted foreign ownership- have their house prices become affordable as a result?

4. Most foreign owners buy in cash or with less mortgage due to higher interest rates. If they buy with mortgage, local lenders benefit. For those buying in cash- remember this is cash not yet in the economy, the person has say £300k in their pocket. They would only invest it in a place they see a reasonable chance of profit. The UK economy needs that inflow- remember we are largely a service based economy. Investors can as well put those funds in other economies or a global index funds and get 7% after inflation with good liquidity and dodge all the issues around rentals e.g non paying tenants e.t.c. Even with good rental yield, how long do you think it would take for such a person to recoup their capital? Its largely a longplay game.

5. This is not saying it should be laissez-faire for foriegn investors. There shoud be progressive regulation but the narrative to keep pressing the increase tax button is hardly the answer.
Its for every host nation to understand how to maximise benefits from such inflows they need while making sure thy remain a sought after investment destination.

missjekyll:
How do you get somebody on the waiting list for a knee replacement into work? Untreated anxiety ? Depression?

Until they are treated, it's wishful thinking

While not excusing the multitudes of this truly unable to work cos they are awaiting treatment, why not listen to those who interract with a good number of those daily?

Remember one morning seeing a chap who was describing vague unconnected symptoms all in search of a fit note. The next day, chap turned up at my house in his van (hot off other jobs) to fix a plumbing issue. While he was shocked, I was not even bothered. I had seen worse. The funny thing I notice is that while I'm virtually pleading with those on zero hour contracts (e.g builders) who are struggling, to take sometime off to recover, those with a well rounded work package e.g the government workers want 3 months off at the bat of a hat. We need a balance.


Do you think that the paediatric admissions for mental health issues like paracetamol overdose, self harm, earing disorders e.t.c now rivaling admissions for physical health issues is also all due to a failure of the NHS?

Do you think immigrants go to work everyday because they dont have mental health issues?

Waking up everyday to go to work in this country is not easy. I work overnight and manytimes ask myself why I'm not in my bed asleep. If labour does not tackle the longterm sick issue head on by making work pay, it's one thing that would quickly destroy them and sure bring in a conservative government to 'fix' just like in times past.

Cyberknight:
Interesting how the current government is now seeing migrants as a convenient goose to pluck.
Well, in line with the theory of turkeys and Christmas, I shall certainly not be voting Tory, no matter how much the rest of their platform might otherwise have made some sense to me.

LibDem all the way. EluDee till 2034.

Lol... EluDee!. Thats a new one

Students don suffer finally. They are dehumanised and milked at same time.

What I find interesting about that this projected IHS fee rise for students is that current students would have already paid this fee hence unaffected. Just like the last hike, what no one is asking is what is the projected number new of students they'd need to make this reachable/sustainable?

The last immigration fee increase was fairly smooth. Another 25%? No problem. They can leave if they want to.

Odd thing is the student cash cow has been milked to subsidize fees paid by local students, support universities, pay civil servants higher wages, this is aside the labour, rent e.t.c students contribute and yet they are refused from bringing dependents cos they are deemed not to contribute enough. How much more do they need to contribute for it to be deemed enough?

There needs to be good oversight on buildings in the nation.
Investigations needs to happen whenever things like this occur and culpable persons prosecuted. If its the owner, builder, architect, site engineer e.t.c, they need to go before a judge.

What is the role of government regulatory agencies?
We can't just sit around and let buildings collapse right and centre

missjekyll:
Very good .Tactical voting is where it's at. Are these plans costed?

They have posted an document ( https://www.libdems.org.uk/sums ) on how these would be funded. Largely by reversing some tax cuts to banks and by higher taxes but not on ordinary citizens. While there might be some areas needing further details, overall nothing jumps out. At least, it does not include further tax on migrants/students and not the air castles Reform are promising.

The IFS has also reviewed their plans and nothing odd so far:
https://ifs.org.uk/articles/liberal-democrat-manifesto-reaction

The gift that keeps on giving. Keep milking the cow.

You don't want immigrants but after paying tax and NI, they are the one which are needed to susidise fees for local students, taxed specially for the NHS (which they seldom use), fund a rise in pay for civil servants and now fund 8000 more police officers.... and yet, you still don't want immigrants. As migrants, its worth knowing the burden we carry and our importance to the system.

It's odd how the populace wants lower taxes, low immigration and at same investment (whatever that means) in the local labour force. Ask where the money would come from and folks start twiddling their thumbs.

Perusing the libdem manifesto- they seem to be a breath of fresh air and are ready to have a grown up conversation on topical issues. e.g immigration- they are looking at it from a need perspective and deciding where and how many rather than the Tories (Reform) who go would the populist narrative of 'we dont need them' but then turn around and open the flood gates.

Also, they seem to be the largest part with a reasonable percentage in England looking to reenact Brexit. I'm mixed on this. Rejoining the EU would not necessarily favour the African community in the UK esp those looking to move in. It would favour those already here as they can traverse Europe and retire wherever easily. Regarding the effect on the economy, its a mixed bag.

I'm leaning towards them. It also helps that they have a good chance in my area.

https://www.libdems.org.uk/manifesto

coldzobo:
Thanks a lot for this insightful response. Id be watching btc dominance chart more closely now

There'd always be opportunities to ride alyts
If you've been through a full cycle, youd know. Let Bitc0in do its thing. Once it starts breaking all time high and in full price discovery, the opportunities to jump into alts would be sooo obvious. That way, knowing when to exit would also be clearer.

jedisco:
Following it and betc dominance chart closely along with a few others. Been hardly as active in the market this time.

.....

A quick follow-up from this..

Just a reminder then when a major coin starts dumping (esp for no clear isolated reason), it usually brings the brings the market down with it.

Case innpoint, this market dump being preceeded by a dump in BNB yesterday.

Many of us would loose money in crypt0 by buying/selling too often. As a matter of fact, crypt0 is dangerous, fairly unregulated and the majority would loose money- not because the market hasn't been in a good uptrend but because of emotions.

Worth zooming out, avoid leverage, ride the bigger move. Have a target and what profits would be used for and be ready to take money off the market/derisk when the time comes and euphoria is crazy.

Good one- club and fans need to learn.

Turnout was good. The NFL should keep up with this so funds can flow into the league

Papilagreen:
Lol I like the end where you say single person.
Let us wait till you married with minimum of two kids with a take home pay of 2000 then you will understand what bills are but for now, let's leave it at that and revisit this topic as you said it's a no brainer.
I can only argue with people with kids at least minimum two or someone who pus child support so if you don't fall in this category then I see no reason taking it more with u.
And I bet you don't know how the full taxation system works because we are immigrants if you have spend up to 5 to 10 years working there then come back and lets drink over this topic on an open table and discuss lol.

No need to revisit this discussion. I've spent over 5 years in the UK and know the nitty gritty of how taxes work both for an individual and a company.

Manytimes families are much better off than a single earner as the government understands families need to be supported. Reason why before the recent change, the only way many masters students were able to meet up with their fees was to travel with their spouse.

For example, as a family - one person in fulltime employment and the other in a flexible role (which is plentiful), they would easily bring home a combined income well above 3.5k. Both can at least enjoy their taxfree allowance of 23k combined. If one works in certain government or health sectors, (which many Nigerians do) then they have access to generous maternity leave of upto 1yr. With 6 months of full pay and 6months half pay.

Even after rent and council tax and heating, they'd have well over 1k to spend. Unlike Nigeria where living essentials like food, clothing, electronics, care e.t.c are terribly expensive. In the UK (and many western nations), basic needs like food are quite cheap relatively. The only thing that might eat into their income would be if for anything, they have to pay for someones labour e.g child care but this is optional and many avoid it. There are loads of families on similar pay who with good planning have gone on to get mortgages, decent cars, and live a decent life.

And mind you, this is not a comparing like for like. Someone earning 500k in Nigeria is a top earner. Someone earning £2k in the UK is not far above minimum wage. That person still has room to improve income by picking up some overtime and advancing their career.

Papilagreen:
My advise to you is, never jump into a water head on if you can't see the bottom clear.
Just fyi I know people who are in the UK 10 years and nothing.
If you don't have the right map planned out no enter UK say 5 years u go be odogwu . Ur eye go clear.
I know people when dem hear olokpa dem dey run for tht UK because dem no get papers. Make sure you get your sources right B4 you Waka infact as of now, jobs no even dey UK no better job self the job market right now is trash but if you say I don't know what I am saying, then you are 1000% right besides who am I to argue with you.
Na only people wain get relatives for the UK go understand. If you are smart enough you go know. Just ask those people you know wain dey there.
You go work see the money but as the money enter hand e don finish BILLS. Money no dey stay hand for UK with 3000 monthly self you can't save lol

What are the bills you guys keep repeating? You pay higher for those same bills in Nigeria without knowing. It's thesame narrative whenever such threads come up. You ask them what these bills are and they start saying tax e.t.c forgetting that effective taxation is one of the strong pillars of wealth distribution you see in the West. Anyone migrating to the west should be thankful of their tax system if not there'd be nothing to enjoy there.

Why not listen to those who have lived in both nations?

One cant save on £3000? Do you think pounds is tissue paper? Let me ask, what do you think is the take home pay of an MP (fairy equivalent to a senator) in the UK?

I was earning above the equivalent of 500k today when I relocated to the UK years back. I can tell you I'd take 1500 in the UK above 500k in Nigeria. It's a no-brainer especially for a single person.

coldzobo:
Good evening sir @jedisco

Its been a while since i saw your input on this thread. I trust you're good.

Pls what do you think about betc hash ribbons printing capitulation?

Following it and betc dominance chart closely along with a few others. Been hardly as active in the market this time.

Hash ribbons have been a good predictor historically. I've got stung in the past buying after 'capitulation' but before a buy signal printed. Also sometimes when I waited for a buy despite good opportunity being evident, the market had already gone up quite a bit before it printed. Bitc0in has now spent 14 weeks between 60 and 70k, I'd expect things to move quickly to either side once it exits this range. It's cos its still in range I'm yet to buy. I'm still waiting for the buy signal but with some bids on the weekly support. If it starts breaking out of this range, I'd look to buy even if a buy signal has not printed.

For dominance chart, it's the reason I'm still not heavily in alts. Once it pushes up into the 60's, I'd start rotating my Bitc0in into alts- hopefully, eth would still be lagging by then.

The weekly chart- asides a minor fakeout in August last yr, Bitc0in has held this support since January 2023 (which marked the end of the last dip and start of this run). Bidding close to this support (now at 62k) has worked so far. Not about changing it except the market says otherwise and it starts closing below support.

Overall, this is my strategy. I'd be closing off further buys if things break out.

OladiTwo5:
It's either you commit suicide the following month or you will be admitted into a mental care home

Hehe... ba ur portion be that.
Ok.. I'd say £1500. The initial sum is well below minimum wage though

I was earning more than the equivalent of 500k naira today when I emigrated years back. I know what I'm saying.

Little details to work with e.g prospects of further earning e.t.c

All things being equal, would even take £1300 over 500k in 9ja

Gerrard59:
Just as I read an earlier post where a black British-bred dude mocked or derided a Nairalander or the video I watched on Twitter where a black dude, most likely born and bred in France, was yelling at a recent black African migrant to "go back to her country". The white French lass nearby looked amused and was somehow confused.

In a world where black people, especially black Africans, are not liked, it is important for would-be parents to train their children for the challenges ahead. As long as sub-Saharan Africa - home of black people - remains poor - racism is tied to wealth/poverty - black people will keep encountering racial slurs and discrimination. One can only hope for a prosperous sub-Saharan Africa.

It's sad sometimes. Many second gen folks have been exposed to decades of humiliation of black folks without experiencing or hearing our stories. Their psyche has been conditioned towards self-hate.
Also the timidity and impoverishment of many Africans back home and in the West doesn't help. It's like we're too quick to absorb insults. It's one reason I'm vehemently against anything that'd unfairly limit attainment or wealth of immigrants e.g selective taxation in the name of exhorbitant visa fees or different bottlenecks in the workplace.

One thing I've noticed is how quickly such narratives dissipate once challenged.
Even on this thread, I know a time when folks were deriding immigrants and reminding us to be careful because those who voted Brexit were not for looking for Europeans to be replaced by black and brown folks'. It was not until facts were straightened out that our being here is a direct result of the shortsightedness of Brexit voting folks and not out of want but need that the tripe stopped being repeated. I remember telling a someone a few weeks back that if just 0.5% of folks on longterm sick could do my job, I wouldn't have had the opportunity to be here in the first place. Chap started stammering.

Go back a few years on NL and I remember one chap from Peckham who's hobby was to insult Nigerians especially health workers and how they wouldn't survive a day in his UK. Not surprising, he has since gone quiet. I don dey find find the rascal since.

Lexusgs430:
Absolutely, putting money on indices over same period would make you more profit(but with stock market exposure, value can go up or down)....... The ultimate decision is your's........

Reduced mortgage term vs exposure to the stock market.......

If I was you, I would do a combination of both..... Maybe £200 each way ....... (If you only want to invest in indices).......

If you don't want the hassle, you could get a managed portfolio........

It's a tricky one but I agree with your approach.

It depends on ones tax rate, mortgage interest rate and a host of personal factors.
Personally, after considering both, I decided on a split. My variable rate taken at the peak of the current rate hike made the decision easier. Aim is to push LTV below 60% as below that rate, there's not much to be had on a further reduction in LTVs especially for BTLs which I might transition to.

Also on index funds, I'd rather go global than than the U.S only. I think there's alot of recency bias baked into narratives given the overperformance of the U.S over the last decade. History shows performance of the U.S and global markets tend to oscillate around each other. The future might see a relative slowdown in U.S equities. Also, a global index has abt 60% US exposure so I wouldn't miss out either way. Developed market index is a middle ground but I'd rather go global in the hope of a wild card e.g India going on to do very well. It also supports capital flow into developing markets.

Pennilessword1:
I regret being an African

Change your circumstance.

deept:
In Scotland where income taxes are higher, I know of people who are planning on moving down south because they will pay significantly higher taxes in scotland compared to England. With everything considered, they don't have to stay because work is remote. In the end Scotland lose all the tax revenue.

The relationship with higher taxes and what the govt eventually gets is a complex one.

Somethings are clear-
1. There is an elastic point above which a further increase in tax rates would not bring more income for the government. Some European nations like France found out the hard way.

2. Effective taxation is one of the very few basic measures to ensure redistribution of wealth in a society. Keyword: effective.

3. On a wider scale, most Europeans would choose the higher tax but better social safety and less inequality of Europe to the less tax, higher growth but less social nets of the U.S. On a personal note though, it's different. Reason why Nordic nations or Switzerland with higher tax rates are still sought after.

In GB, yes some folks may leave Scotland but if the Scottish govt is able to use the early rise in income from taxes effectively, (e.g higher education tuition fees e.t.c), many more would move in and they might turn our better overall.

I would agree that there are more effective ways of managing tax e.g reduced the steep effect around tax bands to encourage those around the bands to be more productive, reducing tax rates but making capital gains and PAYE equivalent. Taxing long-term wealth more effectively and a few others. But always remember that any tax change always comes with unforseen outcomes.

In summary, it's not as straightforward as it seems. Only time would tell.

Peerielass:
This could be the case in England where there are a lot of black people but in Scotland where population is predominantly whites, majority of parents from ethnic minority background send their kids to private schools which offer more diversity than council run schools. You wouldn’t want your child to be the only black in the entire school and to be picked on by bullies all the time because they are different.

I see... all legit. Infact Bullying and unruly kids are major issues with many state schools.

On a wider scale though, this is a very easy sell for labour. As inequality and 'poverty' rises, those being envious would only increase. It doesn't help that many of the state schools need lots of work.
Also, private schooling offers good advantages in this country. You only have to look at the increasing ratio of private schooled MPs. Its not like they're more intelligent but rather, their education gave them a pedestal. Just like with 'unfair' additional rate taxes, the larger society wants a cut of your money.

Cyberknight:
I don't think private schooling is "becoming" a status symbol. In its pure, historical form, it's always been that.

For me, I'm more concerned about people like myself, who have got a child who would perform better, get more attention, smaller class sizes, etc. outside mainstream state schooling and have to consider paying for that and the fact that tax in private education would probably put that out of reach/render it more expensive. The private schools people in my income bracket are looking at aren't the Etons, Harrows, Winchester Colleges et al, just simply non-state schools where the children get more focused attention.

Yeah, it's always been a status symbol but the kids enrolled are on the increase. There are a number of reasons for that but thats hardly the issue here. It's the optics on the 'haves- vs 'have-nots'. Your concerns I must add are all legit.

Without VAT, fees have been on a constant rise (manytimes above inflation). Including VAT might not translate to thesame fee rise for parents in the longterm. There are options to consider e.g you could look to move and target cheaper fee paying or better still grammar schools. The fact is that the overwhelming majority who are already paying fees would keep paying even with the change. It's for you to adapt.

No need stressing on things one cant change. Labour is likely going to win and just like Brexit and recent elections, this is one of their cardinal policies. It's a policy that would only affect a vanishingly small number of Nigerians.

oluwaleokey:
Biko... you guys are just pushing me around with these arguments... lets sentiments be put aside and critically analyze who's the best suitable candidate/party to vote considering flexible suitable immigration policies.

Can you just put heads together, to select a candidate that would likely favour immigrants... I wish to vote a "Peter Obi" kinda candidate... if not I would gladly opt to "to-mbom to-mbom" method to cast my vote.

oluwaleokey:
Biko... you guys are just pushing me around with these arguments... lets sentiments be put aside and critically analyze who's the best suitable candidate/party to vote considering flexible suitable immigration policies.

Can you just put heads together, to select a candidate that would likely favour immigrants... I wish to vote a "Peter Obi" kinda candidate... if not I would gladly opt to "to-mbom to-mbom" method to cast my vote.

Hehe. No major party would want to appear 'pro immigration'. In action, when faced with the tough decisions, they'd usually align. So far in England, it's mainly the libdems that seem to be saying something practicable.
I look at other things- these are the factors that would ultimately drive immigration. The Tories who won based on the anti-immigration stance of Brexit turned out to be the ones to let in a record number of folks. I remember telling a white guy in 2019 that I was not opposed to Brexit cos it would personally benefit me. Chap couldn't understand what I was saying then but today, its he does.

When Boris Johnson wanted to reinstate the post study visa- the reason he gave was simple- growing the economy. So no need worrying- as day follows night, the UK would always turn to immigration when crunched. It is for you to locate those pinch points and maximise them early. Same applies to many western nations who are faring better.

missjekyll:
This 1 case is not enough to truncate the experiences of thousands of trans people. He was clearly a predator. The trans thing was just incidental.

Yes, the country will certainly be better off with an extra 1.3 billion pounds . It's not nothing. Otherwise that 1.3 billion will be raised from you and I . I ve had enough of tax rises.

Hehe.
First, most immigrants are from conservative backgrounds and would be largely opposed to most things around LGBTQ. But then, there need to be some common sense decisions around certain things.

Secondly, I find it interesting that over the last few pages on the elections, the focus has been on vat for private schools. If just 7 % of kids are in private schools, the ratio of Nigerian immigrants whose kids would go to private schools would be very low. 1-2% at most. I.e, this would hardly affect us as a community. Personally, if I had kids here, I would look to send them to grammar or private schools. I factored this in when buying a property and had to buy in a town with a good number of well-rated fee paying schools. Even at that, I'm not opposed to the idea. Private schooling is increasingly becoming a status symbol and some vat on that is fair game. One might argue other areas e.g healthcare- the answer is simple. No tax is universally 'fair'. Every nation decides on what to tax and what not to.

My main concern is that the money raised would likely be wasted on some 'new shiny project' in state schools that would later be scrapped. Seen this happen too many times in the NHS. Finally, don't be surprised the number of children in private schools will keep rising despite this change. The psychology around items seen as luxury is very much different from essentials.

Raalsalghul:
Never would have imagined you were single from your write ups, experience and exposure.

Thanks for the nice words.. For me, life has been an interesting journey so far.