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Living In The Uk/life As A UK Immigrant - Travel (628) - Nairaland

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Living In The Uk-life Of An Immigrant (part 3) / Living In The Uk-life Of An Immigrant (part 2) / Living In Canada/Life As A Canadian Immigrant Part 2 (2) (3) (4)

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Re: Living In The Uk/life As A UK Immigrant by Momakay: 10:55am On May 20, 2021
Irenenwaka:


What are you looking for and in which location?



2bed in Sheffield budget 600pm
Re: Living In The Uk/life As A UK Immigrant by Nobody: 12:26pm On May 20, 2021
Momakay:




2bed in Sheffield budget 600pm


Ohh i barely know nothing about Sheffield.... i would suggest you use right move or even open rent. All the best.
Re: Living In The Uk/life As A UK Immigrant by Iruosonobrugwhe: 12:53pm On May 20, 2021
dear landlords and landladies of queen Elizaville,

I intend to come to the midlands soon. How convenient is it to arrive through Heathrow and take a train with my 'Nigerian sized luggage"?
The alternative is to fly in through Birmingham but the london route is cheaper.
Re: Living In The Uk/life As A UK Immigrant by Magdagascariens: 12:57pm On May 20, 2021
LagosismyHome:


No initally but thanks to covid. This is one of the new changes, incountry switching


I pray they don't go back to the old system after Covid o. Thanks sis �
Re: Living In The Uk/life As A UK Immigrant by thiagoteres(m): 1:08pm On May 20, 2021
Iruosonobrugwhe:
dear landlords and landladies of queen Elizaville,

I intend to come to the midlands soon. How convenient is it to arrive through Heathrow and take a train with my 'Nigerian sized luggage"?
The alternative is to fly in through Birmingham but the london route is cheaper.
Is there a direct train from Heathrow to your location?
If not, consider the ease of changing train/ platform with your luggage.
Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 1:19pm On May 20, 2021
Iruosonobrugwhe:
dear landlords and landladies of queen Elizaville,

I intend to come to the midlands soon. How convenient is it to arrive through Heathrow and take a train with my 'Nigerian sized luggage"?
The alternative is to fly in through Birmingham but the london route is cheaper.


You can either book a coach from LHR or travel light and hop on the train.......... cheesy
Re: Living In The Uk/life As A UK Immigrant by omopapa: 1:40pm On May 20, 2021
The difference between landing in london and Birmingham is the convenience. For example: if flight from Lagos to London is £500 and flight from Lagos to Birmingham is £580. I’d choose the 2nd option as it’s easier and more convenient.

Choosing the first option will require you to take train, bus or taxi which is additional cost also and more stressful moving ur bags on and off the trains.
Iruosonobrugwhe:
dear landlords and landladies of queen Elizaville,

I intend to come to the midlands soon. How convenient is it to arrive through Heathrow and take a train with my 'Nigerian sized luggage"?
The alternative is to fly in through Birmingham but the london route is cheaper.

3 Likes

Re: Living In The Uk/life As A UK Immigrant by justwise(m): 2:12pm On May 20, 2021
Iruosonobrugwhe:
dear landlords and landladies of queen Elizaville,

I intend to come to the midlands soon. How convenient is it to arrive through Heathrow and take a train with my 'Nigerian sized luggage"?
The alternative is to fly in through Birmingham but the london route is cheaper.

Take national express from Heathrow to your destination
Re: Living In The Uk/life As A UK Immigrant by Iruosonobrugwhe: 5:08pm On May 20, 2021
Thanks a lot.....about GBP200-250 difference. The load go many...full option. so the clumsiness and wahala of getting on a train

omopapa:
The difference between landing in london and Birmingham is the convenience. For example: if flight from Lagos to London is £500 and flight from Lagos to Birmingham is £580. I’d choose the 2nd option as it’s easier and more convenient.

Choosing the first option will require you to take train, bus or taxi which is additional cost also and more stressful moving ur bags on and off the trains.
Re: Living In The Uk/life As A UK Immigrant by Iruosonobrugwhe: 5:08pm On May 20, 2021
thanks super admin

justwise:


Take national express from Heathrow to your destination
Re: Living In The Uk/life As A UK Immigrant by LagosismyHome(f): 5:24pm On May 20, 2021
Iruosonobrugwhe:
Thanks a lot.....about GBP200-250 difference. The load go many...full option. so the clumsiness and wahala of getting on a train


Use bus instead of train...that if the bus national express is running. The bus stop is at the airport which makes it more convenient than train due to luggage and changing train/platform
Re: Living In The Uk/life As A UK Immigrant by Greystone: 7:46pm On May 20, 2021
Hyde Park, Central London.
I need to visit again.
Good times.

1 Like

Re: Living In The Uk/life As A UK Immigrant by Adapapaokoye: 1:34am On May 21, 2021
Irenenwaka:
Hello guys... is there anyone in need of a job.

I have a client who needs a full time live in carer. Experience is required with muscular dystrophy.
Location is potters bar( north london)
Pay-600-700weekly (negotiable)
Client will cater for your feeding and living expense.
Client is mixed kenyan and indian.
Age preference- 20-40years( not discriminating this is just as a result of demanding nature of the job).

Ideally the candidate should be a single individual or someone with grown up kids as its gona be a full time live in role hence no time to pay attention to any dependants.

Please i would suggest you just quote me if you interested. I have been very slow with emails these days, i just had a baby.

Also please does anyone know if i am allowed to dtop my contact number on here on nairaland?? Lol i don’t want to be banned so just making sure.

I would prefer a phone call.

Inbox me please
Re: Living In The Uk/life As A UK Immigrant by Icesnow(f): 4:31am On May 21, 2021
Hi everyone. Pls is it a good idea to do the Prince 2 certification? If it is, where can I enrol cos I heard there are some affordable ones. Can anyone put me through pls? Thanks in advance.
Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 4:43am On May 21, 2021
Icesnow:
Hi everyone. Pls is it a good idea to do the Prince 2 certification? If it is, where can I enrol cos I heard there are some affordable ones. Can anyone put me through pls? Thanks in advance.


No knowledge gained, is wasted.......


Loads of online tutorials available, check Google.......
Re: Living In The Uk/life As A UK Immigrant by Icesnow(f): 4:55am On May 21, 2021
Lexusgs430:



No knowledge gained, is wasted.......


Loads of online tutorials available, check Google.......
Thank u. Is d certificate obtained via self study?
Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 5:08am On May 21, 2021
Icesnow:
Thank u. Is d certificate obtained via self study?

A combination of self study and online tutorial input........
Re: Living In The Uk/life As A UK Immigrant by Icesnow(f): 5:19am On May 21, 2021
Lexusgs430:


A combination of self study and online tutorial input........
Thank u
Re: Living In The Uk/life As A UK Immigrant by STENON(f): 8:51am On May 21, 2021
undecided

Re: Living In The Uk/life As A UK Immigrant by Mamatukwas: 9:37am On May 21, 2021
STENON:
undecided

Not surprised. They have coconut head in Glasgow cheesy
Re: Living In The Uk/life As A UK Immigrant by STENON(f): 9:44am On May 21, 2021
Mamatukwas:


Not surprised. They have coconut head in Glasgow cheesy
Lols cheesy it is spreading faster now undecided
Re: Living In The Uk/life As A UK Immigrant by STENON(f): 11:47am On May 21, 2021
Re: Living In The Uk/life As A UK Immigrant by Chukwuka16: 12:09pm On May 21, 2021
Preparing for the CRASH!

Disclaimer: This is not a financial advice. Please always seek professional advice from qualified financial advisors.

I love the abroad!

If you as a black immigrant thought you were going to have an opportunity to regularly engage in bouts of sober reflection where you can take out extensive time to think about your life and strategize for upward mobility, the abroad with its structure and demand will by now have shown you its ugly side. It’s greatest invention - The rat race ensures you are kept perpetually in a form of rotational motion yet without achieving significant linear displacement! The rat race is fantastically built into the workplace culture here in the abroad and summed up perfectly as “title without entitlement.”

I think one of the things I would have regretted doing in life was having a PhD! The saving grace was that it was done under 2 years, so not really a waste of time and of course it was fully funded. Today, I look around and see many PhDs of black decent being managed by folks without PhDs and even younger and I laugh uncontrollably at first, and then pause, relapse into deep thoughts and weep profusely.

Chief Igbinedion doesn’t hold an academic qualification but owns a university. Bishop Oyedepo who is a graduate of Kwara Poly is chancellor of 2 universities. Pastor Asimolowo and a host of others who do not necessarily have doctorates own universities. They sit on the boards of their universities and can determine who becomes a professor or not. Knowing this, therefore, why should I willingly enter a race (as an academic) and set out to aspire to become something (say a professor or some other fancy title) that someone without my qualifications can fast track or delay based on his/her feeling. Here in the UK, we now have folks at senior levels in universities (I mean at DVC and PVC and AVC roles) who have no PhDs and are managing professors with PhDs! Life is full of oddities.

The aim of this ranting isn’t to disparage anyone or cast aspersions on above-named folks but to highlight how adaptability and self-discovery especially when backed with focus can help folks anticipate regime changes and plan appropriately for them to prevent being eroded or caught unawares.

Setting the pace
To properly situate my musings (or should I say ranting) this morning, I’ll start off by reflecting on a recent piece by Bloomberg – How London’s Property Boom Left Black Britons with Nothing (https://www.bloomberg.com/news/features/2021-05-18/uk-property-wealth-data-2021-show-big-gap-between-black-and-white-homeowners). Quoting copiously from the article – “The inheritance a British person is likely to receive depends on their ethnicity. Data from the Resolution Foundation show that for White British families, the figure is 3,068 pounds whereas for Black Caribbeans, it’s 778 pounds. For Black Africans, meanwhile, the average is a pound.” Continuing, the article reveals that – “People describing themselves as Black or mixed and Black make up about 4% of the population in England and Wales. The median property wealth of zero for a Black family comes once subtracting the debts or mortgages held against those assets. The ONS says the median is generally a better measure because it is less affected by very wealthy outliers included in the data.”

In a post I made some time ago on this platform, I received a lot of heat when I posited that “we live average lives mostly.” Folks asked me where I got my information from and questioned my sensibility. I never responded because living in denial is a major problem associated with a black man. How could I argue when the facts were all around me and clearly visible to anyone with eyes? Blacks make up the majority of low-income earners in the country, work longer hours than any race and have less privileges than any other race. As a matter of fact, the term BAME actually means Asians and others? That we sometimes get to see 1 or 2 outliers is by no means relevant in influencing the true state of the black community.

The illusion of good times
In recent times however, there appears to be an illusion of some positive news. The advent of the help to buy scheme and the low deposits have seen an upsurge in blacks getting onto the property ladder. Like people hypnotised, the avalanche of cheap credit has seen blacks getting houses, cars and other “assets”. I mean what should we use these cheap and readily available money for? Afterall, it isn’t uncommon to hear folks talk of house flipping owing to the supposed illusion that the property market is booming.

The issue with all these is the fact that we are unknowingly getting locked into long term debts and have no alternative way of paying outside of our current jobs. Additionally, the so-called rise/boom in the property market is a fluke that will soon crash. The unimaginable printing of fiat (money) that has flooded the world’s economies in the name of quantitative easing (QE) or MMT has led to an artificial over valuation of financial assets and the property market. The fact that people are now paying 20-50% over the asking prices of houses is a very strong indicator that money is in excess supply and when growth saturates, the bubble will burst and its 2007/2008 or 2000-2002 again.

What happens if you lose your job, and the market price of your house drops 20-30% and you are locked into a fixed interest rate? How do you cope with your bills if that should happen? Do you have savings that can ride you through the storm for up to a year? Do you have other side businesses that can contribute to your living expenses? What are you doing to ensure that you do not get taken unawares? It’s always harder surviving market crashes abroad than back home. Back home you have access to land and other factors of production easily and with less bureaucracy than in the abroad. What assets have you acquired today that can be of value tomorrow (easily traded, divisible, non-diminishing etc.)?

The rate of MMT/QE witnessed between 2020-2021 has been unprecedented. In the US alone, over 55% of GDP has been printed into the economy so far. Here in the UK its over 100% of GDP. All that money has to be recovered in some way. With a lot of confusion over how the economy will collapse or to what extent or what role digital currencies will play, anticipating and hedging become best bets.

The hard truth
A residential house especially on mortgage will always be a liability because it takes money out of your pocket. The idea that you are building equity is illogical since it only becomes realisable after a sale for which you have to pay CGT. However, buying to rent through special purpose vehicles (SPVs) means you earn income taxed at company rate after all expenses! You can even use part of the income to defray some of your rental costs if your house serves as some office space for your SPV. Not only does your equity in the house get preserved through inflation but you earn dividend through rent. In a crisis or downturn, rents can be lowered, forbearance can be gotten from the banks (for the SPV and not yourself thus protecting your credit worthiness), you could even live there (at some costs) and other things.

The developed world and China are aging. China is estimated to have peaked in terms of work force and is in decline. The US, UK, Europe etc. are all having an increasing aging population. This implies that productivity and growth will have to shift to countries with a younger workforce. However, there will need to be a whole new development of support structure for the elderly – care homes, logistics, operations etc. This is being posited to be a significant market for the developed countries. What role do you see yourself playing in there?

The crypto market is the new internet 2.0 – the democratization of financial assets. Think about this, years ago, it was unheard of that ordinary folks could just from the comfort of their homes and with £100 pick up stocks of Berkshire Hathaway or Tesla or Amazon without seeing a broker and paying huge commissions. Today, I can buy fractions of top performing stocks either on DOW or NASDAQ or FTSE or CAC or DAX from the comfort of my home using specific apps. I can even trade futures and derivatives of gold, silver, oil, natural gas at home and make and lose money! Today from the comfort of my home, I can move my Naira in Nigeria to my bank account here in the abroad using P2P on Binance without needing to trouble any folk here (though at higher price). In fact, I can do the reverse and send Naira directly to beneficiary accounts bypassing the CBNs directive using P2P on Binance and get very good rates that beat abokifx! This is the power of cryptocurrency and getting knowledgeable about how the blockchain industry works for future leveraging becomes key.

In Conclusion
As I conclude, I’m reminded of a conversation I had with a folk years ago. As a young guy in UI, I invested heavily in knowledge and so every fortnight I was always at Premier Hotel to get Newsweek and Time Magazine (one from them and the other from a local stand). That was a significant part of my monthly upkeep. Fast forward to 2009/10 in a church camp meeting and I was reading one of the magazines talking about the reconstruction work going on in either Iraq or Afghanistan (can’t recall which) during break. This decent folk stumbled on me and asked what I was reading. I told him “Oh, I’m reading about the post-war reconstruction efforts in Iraq/Afghanistan”. His response has left me in perpetual shock till date. He responded “Imagine, so there was a war? This is really signs of the end times and we as Christians need to start preparing because Jesus is coming anytime now.” It’s been 10 years after, and Jesus has still not come. Will He come – definitely. Is the timing of His coming my business – No. What can I do for His coming – live prepared! However, in the 10 years after, life as continued, bills have had to be paid, humanity has continued to advance and move on. If he didn’t take time out to prepare for life, well I can’t imagine his current state.

Take time out of the rat race here in the abroad to read, seek knowledge (freely and abundantly available on the internet) and plan for your future. We live in strange times and only prepared people will end up better on the other side of the crisis when the dust settles.

10 Likes 4 Shares

Re: Living In The Uk/life As A UK Immigrant by sunshine21: 12:34pm On May 21, 2021
[quote author=Chukwuka16 Interesting read. Thank you for sharing
Re: Living In The Uk/life As A UK Immigrant by TheGuyFromHR: 12:54pm On May 21, 2021
Chukwuka16:
Preparing for the CRASH!

The aim of this ranting isn’t to disparage anyone or cast aspersions on above-named folks but to highlight how adaptability and self-discovery especially when backed with focus can help folks anticipate regime changes and plan appropriately for them to prevent being eroded or caught unawares.

Setting the pace
To properly situate my musings (or should I say ranting) this morning, I’ll start off by reflecting on a recent piece by Bloomberg – How London’s Property Boom Left Black Britons with Nothing (https://www.bloomberg.com/news/features/2021-05-18/uk-property-wealth-data-2021-show-big-gap-between-black-and-white-homeowners). Quoting copiously from the article – “The inheritance a British person is likely to receive depends on their ethnicity. Data from the Resolution Foundation show that for White British families, the figure is 3,068 pounds whereas for Black Caribbeans, it’s 778 pounds. For Black Africans, meanwhile, the average is a pound.” Continuing, the article reveals that – “People describing themselves as Black or mixed and Black make up about 4% of the population in England and Wales. The median property wealth of zero for a Black family comes once subtracting the debts or mortgages held against those assets. The ONS says the median is generally a better measure because it is less affected by very wealthy outliers included in the data.”

Take time out of the rat race here in the abroad to read, seek knowledge (freely and abundantly available on the internet) and plan for your future. We live in strange times and only prepared people will end up better on the other side of the crisis when the dust settles.

Generally good read, disagree with your opinion re buying residential property, it's still better to accumulate equity as compared to paying rent, even if the value of your house falls as may likely happen with this current property price bubble. And CGT is not chargeable on the sale of a main home used for fully residential pirposes, only on second homes/buy-to-lets.

And to properly situate ourselves in this new world, let's bear in mind that Boris has just opened the doors permanently to some 3 million generally highly qualified Hong Kong Chinese and temporarily to a good chunk of India's generally well educated professional middle class.

Survival of the best informed, best positioned and the fittest.

6 Likes 1 Share

Re: Living In The Uk/life As A UK Immigrant by justwise(m): 12:56pm On May 21, 2021
STENON:
Have a good laugh cheesy



https://www.youtube.com/watch?v=2LoYCV1lktc

He is probably the dumbest scammer ever.. no brain what so ever.
Re: Living In The Uk/life As A UK Immigrant by RalphJean: 1:21pm On May 21, 2021
Mamatukwas:


Not surprised. They have coconut head in Glasgow cheesy


Has Madam Nic Sturgeon blamed the UK government yet?
This is probably one of the reasons for ‘we want independence’
Re: Living In The Uk/life As A UK Immigrant by dustydee: 1:25pm On May 21, 2021
Chukwuka16:
Preparing for the CRASH!

Disclaimer: This is not a financial advice. Please always seek professional advice from qualified financial advisors.

I love the abroad!

If you as a black immigrant thought you were going to have an opportunity to regularly engage in bouts of sober reflection where you can take out extensive time to think about your life and strategize for upward mobility, the abroad with its structure and demand will by now have shown you its ugly side. It’s greatest invention - The rat race ensures you are kept perpetually in a form of rotational motion yet without achieving significant linear displacement! The rat race is fantastically built into the workplace culture here in the abroad and summed up perfectly as “title without entitlement.”

I think one of the things I would have regretted doing in life was having a PhD! The saving grace was that it was done under 2 years, so not really a waste of time and of course it was fully funded. Today, I look around and see many PhDs of black decent being managed by folks without PhDs and even younger and I laugh uncontrollably at first, and then pause, relapse into deep thoughts and weep profusely.

Chief Igbinedion doesn’t hold an academic qualification but owns a university. Bishop Oyedepo who is a graduate of Kwara Poly is chancellor of 2 universities. Pastor Asimolowo and a host of others who do not necessarily have doctorates own universities. They sit on the boards of their universities and can determine who becomes a professor or not. Knowing this, therefore, why should I willingly enter a race (as an academic) and set out to aspire to become something (say a professor or some other fancy title) that someone without my qualifications can fast track or delay based on his/her feeling. Here in the UK, we now have folks at senior levels in universities (I mean at DVC and PVC and AVC roles) who have no PhDs and are managing professors with PhDs! Life is full of oddities.

The aim of this ranting isn’t to disparage anyone or cast aspersions on above-named folks but to highlight how adaptability and self-discovery especially when backed with focus can help folks anticipate regime changes and plan appropriately for them to prevent being eroded or caught unawares.

Setting the pace
To properly situate my musings (or should I say ranting) this morning, I’ll start off by reflecting on a recent piece by Bloomberg – How London’s Property Boom Left Black Britons with Nothing (https://www.bloomberg.com/news/features/2021-05-18/uk-property-wealth-data-2021-show-big-gap-between-black-and-white-homeowners). Quoting copiously from the article – “The inheritance a British person is likely to receive depends on their ethnicity. Data from the Resolution Foundation show that for White British families, the figure is 3,068 pounds whereas for Black Caribbeans, it’s 778 pounds. For Black Africans, meanwhile, the average is a pound.” Continuing, the article reveals that – “People describing themselves as Black or mixed and Black make up about 4% of the population in England and Wales. The median property wealth of zero for a Black family comes once subtracting the debts or mortgages held against those assets. The ONS says the median is generally a better measure because it is less affected by very wealthy outliers included in the data.”

In a post I made some time ago on this platform, I received a lot of heat when I posited that “we live average lives mostly.” Folks asked me where I got my information from and questioned my sensibility. I never responded because living in denial is a major problem associated with a black man. How could I argue when the facts were all around me and clearly visible to anyone with eyes? Blacks make up the majority of low-income earners in the country, work longer hours than any race and have less privileges than any other race. As a matter of fact, the term BAME actually means Asians and others? That we sometimes get to see 1 or 2 outliers is by no means relevant in influencing the true state of the black community.

The illusion of good times
In recent times however, there appears to be an illusion of some positive news. The advent of the help to buy scheme and the low deposits have seen an upsurge in blacks getting onto the property ladder. Like people hypnotised, the avalanche of cheap credit has seen blacks getting houses, cars and other “assets”. I mean what should we use these cheap and readily available money for? Afterall, it isn’t uncommon to hear folks talk of house flipping owing to the supposed illusion that the property market is booming.

The issue with all these is the fact that we are unknowingly getting locked into long term debts and have no alternative way of paying outside of our current jobs. Additionally, the so-called rise/boom in the property market is a fluke that will soon crash. The unimaginable printing of fiat (money) that has flooded the world’s economies in the name of quantitative easing (QE) or MMT has led to an artificial over valuation of financial assets and the property market. The fact that people are now paying 20-50% over the asking prices of houses is a very strong indicator that money is in excess supply and when growth saturates, the bubble will burst and its 2007/2008 or 2000-2002 again.

What happens if you lose your job, and the market price of your house drops 20-30% and you are locked into a fixed interest rate? How do you cope with your bills if that should happen? Do you have savings that can ride you through the storm for up to a year? Do you have other side businesses that can contribute to your living expenses? What are you doing to ensure that you do not get taken unawares? It’s always harder surviving market crashes abroad than back home. Back home you have access to land and other factors of production easily and with less bureaucracy than in the abroad. What assets have you acquired today that can be of value tomorrow (easily traded, divisible, non-diminishing etc.)?

The rate of MMT/QE witnessed between 2020-2021 has been unprecedented. In the US alone, over 55% of GDP has been printed into the economy so far. Here in the UK its over 100% of GDP. All that money has to be recovered in some way. With a lot of confusion over how the economy will collapse or to what extent or what role digital currencies will play, anticipating and hedging become best bets.

The hard truth
A residential house especially on mortgage will always be a liability because it takes money out of your pocket. The idea that you are building equity is illogical since it only becomes realisable after a sale for which you have to pay CGT. However, buying to rent through special purpose vehicles (SPVs) means you earn income taxed at company rate after all expenses! You can even use part of the income to defray some of your rental costs if your house serves as some office space for your SPV. Not only does your equity in the house get preserved through inflation but you earn dividend through rent. In a crisis or downturn, rents can be lowered, forbearance can be gotten from the banks (for the SPV and not yourself thus protecting your credit worthiness), you could even live there (at some costs) and other things.

The developed world and China are aging. China is estimated to have peaked in terms of work force and is in decline. The US, UK, Europe etc. are all having an increasing aging population. This implies that productivity and growth will have to shift to countries with a younger workforce. However, there will need to be a whole new development of support structure for the elderly – care homes, logistics, operations etc. This is being posited to be a significant market for the developed countries. What role do you see yourself playing in there?

The crypto market is the new internet 2.0 – the democratization of financial assets. Think about this, years ago, it was unheard of that ordinary folks could just from the comfort of their homes and with £100 pick up stocks of Berkshire Hathaway or Tesla or Amazon without seeing a broker and paying huge commissions. Today, I can buy fractions of top performing stocks either on DOW or NASDAQ or FTSE or CAC or DAX from the comfort of my home using specific apps. I can even trade futures and derivatives of gold, silver, oil, natural gas at home and make and lose money! Today from the comfort of my home, I can move my Naira in Nigeria to my bank account here in the abroad using P2P on Binance without needing to trouble any folk here (though at higher price). In fact, I can do the reverse and send Naira directly to beneficiary accounts bypassing the CBNs directive using P2P on Binance and get very good rates that beat abokifx! This is the power of cryptocurrency and getting knowledgeable about how the blockchain industry works for future leveraging becomes key.

In Conclusion
As I conclude, I’m reminded of a conversation I had with a folk years ago. As a young guy in UI, I invested heavily in knowledge and so every fortnight I was always at Premier Hotel to get Newsweek and Time Magazine (one from them and the other from a local stand). That was a significant part of my monthly upkeep. Fast forward to 2009/10 in a church camp meeting and I was reading one of the magazines talking about the reconstruction work going on in either Iraq or Afghanistan (can’t recall which) during break. This decent folk stumbled on me and asked what I was reading. I told him “Oh, I’m reading about the post-war reconstruction efforts in Iraq/Afghanistan”. His response has left me in perpetual shock till date. He responded “Imagine, so there was a war? This is really signs of the end times and we as Christians need to start preparing because Jesus is coming anytime now.” It’s been 10 years after, and Jesus has still not come. Will He come – definitely. Is the timing of His coming my business – No. What can I do for His coming – live prepared! However, in the 10 years after, life as continued, bills have had to be paid, humanity has continued to advance and move on. If he didn’t take time out to prepare for life, well I can’t imagine his current state.

Take time out of the rat race here in the abroad to read, seek knowledge (freely and abundantly available on the internet) and plan for your future. We live in strange times and only prepared people will end up better on the other side of the crisis when the dust settles.
Thank you for this insightful piece.
Re: Living In The Uk/life As A UK Immigrant by Mamatukwas: 1:30pm On May 21, 2021
RalphJean:



Has Madam Nic Sturgeon blamed the UK government yet?
This is probably one of the reasons for ‘we want independence’

The reason for the recent surge in Glasgow can not be blamed on any one but the coconut headed residents of Glasgow ; even Madam Nic knows and had been quoted as being ‘disgusted’ with some of their recent behavior grin
Re: Living In The Uk/life As A UK Immigrant by Chukwuka16: 1:49pm On May 21, 2021
TheGuyFromHR:


Generally good read, disagree with your opinion re buying residential property, it's still better to accumulate equity as compared to paying rent, even if the value of your house falls as may likely happen with this current property price bubble. And CGT is not chargeable on the sale of a main home used for fully residential pirposes, only on second homes/buy-to-lets.

And to properly situate ourselves in this new world, let's bear in mind that Boris has just opened the doors permanently to some 3 million generally highly qualified Hong Kong Chinese and temporarily to a good chunk of India's generally well educated professional middle class.

Survival of the best informed, best positioned and the fittest.

Thanks for the clarification on CGTs!

My concern with mortgages on residential homes is that it becomes detrimental if I'm paying for it from my main job which seems to be the case for majority. For any equity built up, it only becomes realisable after sale. For my only house what do I intend to do if its being undervalued and I don't have a job and its chaos economically? I need a place to stay, I have no income and I'm in default with very diminished equity in a downturn?

What I've seen some folks do is have 2 houses - 1 owned by them for residential and another owned by a SPV for rent purposes. They use the rent from the rented house to pay its own mortgage and then defray some costs from their own residential house by renting out space to the SPV. This way even in an economic downturn they could still have income coming from the rented house and restructure their own residential mortgage to accommodate the top up from the rented apartment. If they had only their income to pay for their residential house then losing their jobs will make them very vulnerable.

And yes, with the expected influx from Hong Kong, it will simply push a lot of black folks from the middle class to the lower class thus widening that poor class bracket. It really is tough times ahead.

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Re: Living In The Uk/life As A UK Immigrant by RAD01: 2:53pm On May 21, 2021
Yes. NHS do sponsor HCA but you have to apply to the ones which salary is £20,480 and above. From my research and someone who got sponsored recently, you should focus on NHS in London and its environment. Pray very well too.

All the best.

Odedenshi1:


Hi bro,
Please do you know if NHS offer sponsorship? I just got an offer of employment with an NHS trust as an HCA with the option of automatic switch to a registered nurse upon completion of my MSc but I want to be sure they offer sponsorship for Tier 2 so I can switch my Visa upon graduation.

Cc: Justwise et al.

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