₦airaland Forum

Goke7:
That was a coded racist jab from the prime minister, and for the first time, I felt some sympathy for her, but I hope she got the message to stay in her lane but what do I know sef make I mechonu!

I don't think it was racist in any way. At all.

It's an accurate summary of all the grandstanding she has been doing. Just search her name and the word culture to see all her comments.

E.g. just look at this article where she said she loves being a culture warrior - https://www.bbc.co.uk/news/articles/cd75n1jlv2eo

jedisco:
Hehe. In her struggle for relevance, she has struggled to latch on to real issues and sounds hypocritical or rather pathetic when she speaks on certain issues.
She should start by telling what contribution she or her parents made to the UK before she was granted British citizenship. Nigel has hardly given her much thought- if she's still there at the next election, she'd make good punchlines for him.

Indeed.

I'm particularly interested in what she herself contributed to the UK during the years she was languishing(/s) in highbrow Lagos before she discovered that she was entitled to British citizenship, since she believes people ought to do a lot more to earn citizenship.

Was she working and paying taxes remotely, perhaps?

@justwise, always wondered why the NL spambot is set to be so hyperactive.
It picks up on most post containing the work st*cks (or similar) and automatically hides the post + bans the poster.
Got caught despite trying to evade its net

Goke7:
That was a coded racist jab from the prime minister, and for the first time, I felt some sympathy for her, but I hope she got the message to stay in her lane but what do I know sef make I mechonu!

LOL @ the bolded

Lol @ Keir meeting Trump.

He's (now) a tiger at the despatch box every week when sparring with Kemi, but was transformed into a bashful kitten in front of his international peer who's supposed to be his special friend 😂

Just like Theresa May used to bark and snarl every week at Jeremy Corbyn, but literally held onto Trump's hand when they met and said nothing even after he was disrespectful to her.

Just shows again that PMQs is pantomime/A-level politics compared to the Realpolitiks of dealing with dominant leaders like Trump.

jedisco:
Yes there are. Most go cash as they are unaware or feel the 25% rebate is all there is to LISAs

Wowza! I'm one of those "most". I've never seen any option for this in Moneybox.

Goodenoch:
Indeed.

I'm particularly interested in what she herself contributed to the UK during the years she was languishing(/s) in highbrow Lagos before she discovered that she was entitled to British citizenship, since she believes people ought to do a lot more to earn citizenship.

Was she working and paying taxes remotely, perhaps?

Hehe... In her words, 'we don't want these people coming into our country'. She does appear like someone who loves being argumentative for the sake of being argumentative. We sabi them.

It was an under the belt blow from Keir though. Classic British insult -saying what you mean in an obvious but non commital way.

I continue to wish her well

How is that racist boss? What do we call what Kemi said?

Goke7:
That was a coded racist jab from the prime minister, and for the first time, I felt some sympathy for her, but I hope she got the message to stay in her lane but what do I know sef make I mechonu!

mizGene:
Wowza! I'm one of those "most". I've never seen any option for this in Moneybox.

When searching I believe I came across a S&S LISA option from Moneybox only that you can't switch if you already have a cash ISA with them. I also did not think the options in their S&S LISA were quite robust as I wanted a global low cost fvnd. Their fees were relatively high too. Money-saving-expert has a page on LISAs

Another thing to note especially if you're saving more than 4k per year i.e above LISA treshold is that regular cash or S&S ISAs have flexible offerings meaning you can withdraw money and pay it back in same year without it affecting your allowance. Foe example, say you have 30k contributed across tax years in a Cash ISA, you can withdraw that money for a home purchase (or any reason), afterwards could still put back 30k in that same tax year (and retain its tax free status) if your provider is flexible. This is not possible with LISAs - you'd have to wait for the next tax year to start afresh

OgbeniOptional:
How is that racist boss? What do we call what Kemi said?

In typical British speak, manytimes it's not what is said that matters, but what is not said.

What he was saying was that we who were born westerners are not chorusing about western salvation, it's you who came as a visitor that's more interested in saving us. I.e being more Catholic than the Pope. Going ahead to insinuate she was being hypocritical and only doing it to remain relevant. That jab wouldn't have hit if it was Nigel in question- folks might even acuse Keir of not taking the concerns of average British people seriously.

I wouldn't say he was racist but I can see the angle - some might insinuate that he meant she wasn't western enough to drive such narrative.

I've seen Nigel do similar with James Cleverly on a Reform campaign speech - he was basically asking where he got that name from i.e the name was too English sounding for someone of Mr Cleverlys look. Even the audience were taken aback only for Nigel to then say he was joking.

Goodenoch:
https://uk.news.yahoo.com/starmer-accuses-badenoch-desperate-search-123457910.html

The brave, straight-talking Kemi Badenoch had another catastrophe at PMQs today, and ended up complaining to daddy the Speaker about Starmer being patronizing when he dismissed her flimsy questions (even the Spectator said they were ineffective) as 'a desperate search for relevance' from someone who had 'cast herself as the saviour of western civilisation.'

You'd almost feel sorry for her...until you remember how she reffered to care workers as butt wipers.

It looks like her real value lies in her ability to provide entertainment, and she's doing well at that, to be fair.

He who forgets his root will be reminded of where he is from outsiders. You see that Africa wey una no want to work ehn the effect go touch all of una no matter your position.

jedisco:
A good starting point is understanding what ISAs are. ISAs is the umbrella term for your tax free saving allowance of 20k. Its like a tree which then has different subdivisions such as LISA, S&S ISA, Cash ISA e.t.c. I've found this site useful in explaining the whole concept : https://www.moneysavingexpert.com/savings/isa-guide-savings-without-tax/

Now to LISAs - Its a seperate bucket under your ISA where the government tops up your contribution by 25% but this can only be used penalty-free for 2 purposes: buying your first home or at retirement. There is also an exemption if one is terminally ill. Also worth noting that you can't currently use it to buy a house that costs more than 450k - something to consider as you're in London.


First is to decide if you want to save for your home in a LISA or normal ISA or both. To many, filling a LISA first is preferable as you get the 25% rebate. With the money (your deposit + govt rebate) now in a LISA, you then decide what you want to do with it. Do you leave it in cash and get 1- 4% per annum without the risk of loosing money or do you invest it in S&S with potential for much higher returns but risk of losing some capital. If investing, the next question is do you buy individual companies (st0cks) or do you buy a basket comparising a large amount of companies (i.e fvnds). Fvnds which are my preference, if well chosen are cheaper, little hassle and historically return 7-10% pa. There's the risk you may lose some money when investing but if you your time frame is long enough (3-5 yrs and above), you would likely come out much better when invested properly. The risk is actually holding cash. Remember guaranteed interest on cash would struggle to match inflation and is unlikely to keep up with house prices.
When deciding on whether to go with solo st0cks or buy a collection, I've found this short video series quite good in explaining the concept.

https://www.youtube.com/watch?v=gM4KEJQ_Z5U

I'd give an example (pictured)- after buying my place, I decided to continue investing in my LISA for retirement purposes. This time I went with S&S against cash. Its maxed out for the financial year and invested for under 8 months in the named fvnd. Returns so far (aside government rebate) is over 9%. Granted the last 2 years have been exceptionally good for markets but it'd take 3 years for same amount in cash to bring same return if the interest rate was 3%. I say 3% cos though you might get higher now, rates are likely to fall as BOE drops rates. Interest rates on cash were 1% is not too long ago. While saving for my place, I used a cash ISA+ LISA but with what I know now, I'd save in S&S if I'm doing it again.
Thesame concept largely also applies to how pension investments are made. Just like ISAs, they are all called tax-free wrappers. It's what you do with money inside the wrapper that matters.

Insightful.

Saved.

In other news, my prayers for this 14yo British lad who now is receiving court-sanctioned straightening and cultural enlightenment in Ghana currently.

Not a fan of such moves... but sometimes.. it's necessary. I wonder if the parents would have been forced to bring thier kid back should the Judge had ruled against them.

https://www.bbc.co.uk/news/articles/cdryre7y4n0o

Zahra29:
If you have a spare $5m (only £4m), why not join Russian and African oligarchs/politicians and move to the US on a new gold visa (which replaces the soon to be cancelled immigrant investor visa) that offers a guaranteed pathway to US citizenship.

https://www.theguardian.com/us-news/2025/feb/26/trump-gold-card-visa-rich-foreigners

5 million USD pere (only) for the new United States golden visa eligibility rules! That's an increase from 800,000 USD/1 million USD.

This newly raised entry bar will crush some folks but for others, it gonna be easypeasy.

The newest global mantra still remains ”America FIRST!"

Goodenoch:
https://uk.news.yahoo.com/starmer-accuses-badenoch-desperate-search-123457910.html

The brave, straight-talking Kemi Badenoch had another catastrophe at PMQs today, and ended up complaining to daddy the Speaker about Starmer being patronizing when he dismissed her flimsy questions (even the Spectator said they were ineffective) as 'a desperate search for relevance' from someone who had 'cast herself as the saviour of western civilisation.'

You'd almost feel sorry for her... until you remember how she reffered to care workers as butt wipers.

It looks like her real value lies in her ability to provide entertainment, and she's doing well at that, to be fair.

The argumentative Kemi had it coming for her whichever way you choose to look at it. She'll learn the hard way that in the real world we live in, you need a blend of TACT and FORESIGHT to survive the head winds. Period.

jedisco:
In other news, my prayers for this 14yo British lad who now is receiving court-sanctioned straightening and cultural enlightenment in Ghana currently.

Not a fan of such moves... but sometimes.. it's necessary. I wonder if the parents would have been forced to bring thier kid back should the Judge had ruled against them.

https://www.bbc.co.uk/news/articles/cdryre7y4n0o

I'm sure in a couple of years he'll thank his parents for saving his life, that's if he gets with the program. Desperate times calls for desperate measures. Kudos to the parents and the judge.

jedisco:
In typical British speak, manytimes it's not what is said that matters, but what is not said.

What he was saying was that we who were born westerners are not chorusing about western salvation, it's you who came as a visitor that's more interested in saving us. I.e being more Catholic than the Pope. Going ahead to insinuate she was being hypocritical and only doing it to remain relevant. That jab wouldn't have hit if it was Nigel in question- folks might even acuse Keir of not taking the concerns of average British people seriously.

I wouldn't say he was racist but I can see the angle - some might insinuate that he meant she wasn't western enough to drive such narrative.

I've seen Nigel do similar with James Cleverly on a Reform campaign speech - he was basically asking where he got that name from i.e the name was too English sounding for someone of Mr Cleverlys look. Even the audience were taken aback only for Nigel to then say he was joking.

You know why? because Nigel is a right wing politician. If the PM was also someone leaning to the right, many would have seen it differently but because kemi herself leans to the right and it is too rare to assume left wing politicians throwing such jabs not many will see it that way. Kemi’s grandstanding too has helped PM in a little way to land it successfully without raising eye brows. 😂

OgbeniOptional:
How is that racist boss? What do we call what Kemi said?

I’ll leave you with a quote from a Nigerian journalist Lara Wise;

Kemi. Kemi. Kemi.

How many times did I call you ?
How many ears do you have?

He’s just said what they’ve been saying behind you.
They said you’re desperately searching for relevance ooooo.
They will throw you under the bus.

Konquest:
5 million USD pere (only) for the new United States golden visa eligibility rules! That's an increase from 800,000 USD/1 million USD.

This newly raised entry bar will crush some folks but for others, it gonna be easypeasy.

The newest global mantra still remains ”America FIRST!"

The good thing is that it has shattered any pretences of ideology associated with (non humanitarian) residency/citizenship.

It's an open market with a clear price on the goods (although certain people love to change the terms midway). You can pay 5M there or go elsewhere and pay however much over 5/6/10 years of working and paying taxes.

Pay the price and get what you’ve paid/worked for. Nobody’s doing you a favour.

Goodenoch:

The good thing is that it has shattered any pretences of ideology associated with (non humanitarian) residency/citizenship.

It's an open market with a clear price on the goods (although certain people love to change the terms midway). You can pay 5M there or go elsewhere and pay however much over 5/6/10 years of working and paying taxes.

Pay the price and get what you’ve paid/worked for. Nobody’s doing you a favour.

It has never been about that, it’s always been transactional. Just Keep paying into our system either one-off or over time! Even the so called illegals, asylum or refugees are all still going to pay their own 5m in instalments over time.

You know why California is a sanctuary for the so called illegals? The state suddenly realise the huge billions of dollars in taxes remitted by the so illegal workers. How can you explain America collecting taxes from those who used their legs to cross into the country. That tells the entire story.

jedisco:
@justwise, always wondered why the NL spambot is set to be so hyperactive.
It picks up on most post containing the work st*cks (or similar) and automatically hides the post + bans the poster.
Got caught despite trying to evade its net

That usually happens when a particular material has been shared online many times outside nairaland, so the spambot sees it as a spam.

The ban is only for 24hrs and you will be automatically unbanned but if you report it any supermod or a mod from that section will remove it and restore your post.

Goke7:
It has never been about that, it’s always been transactional. Just Keep paying into our system either one-off or over time! Even the so called illegals, asylum or refugees are all still going to pay their own 5m in instalments over time.

You know why California is a sanctuary for the so called illegals? The state suddenly realise the huge billions of dollars in taxes remitted by the so illegal workers. How can you explain America collecting taxes from those who used their legs to cross into the country. That tells the entire story.

The bolded is not necessarily true. Many asylum seekers end up relying on some form of benefits for most of their lives and many immigrants end up paying a small fraction in income tax over their working lives compared to other immigrants or residents.

That's why many countries are placing a greater value on "highly skilled"/earning migrants or those who can afford to donate invest millions to the economy , whilst also acknowledging their need for "low skilled" labour. It's a balancing exercise.

Zahra29:
Lol @ Keir meeting Trump.

He's (now) a tiger at the despatch box every week when sparring with Kemi, but was transformed into a bashful kitten in front of his international peer who's supposed to be his special friend 😂

Just like Theresa May used to bark and snarl every week at Jeremy Corbyn, but literally held onto Trump's hand when they met and said nothing even after he was disrespectful to her.

Just shows again that PMQs is pantomime/A-level politics compared to the Realpolitiks of dealing with dominant leaders like Trump.

Its all about trade deal, that buffoon is dishing out tariff like candy to countries and he likes to be treated like a toddler.

Though i prefer how Canada is treating him with go-F-yourself responses than Keir and others that have visited the White house

jedisco:
Hehe... In her words, 'we don't want these people coming into our country'. She does appear like someone who loves being argumentative for the sake of being argumentative. We sabi them.

It was an under the belt blow from Keir though. Classic British insult -saying what you mean in an obvious but non commital way.

I continue to wish her well

She is running out of steam now, she need more race and cultural mean thing to say so as to remain relevant.

justwise:
Its all about trade deal, that buffoon is dishing out tariff like candy to countries and he likes to be treated like a toddler.

Though i prefer how Canada is treating him with go-F-yourself responses than Keir and others that have visited the White house

I can’t blame Canada o that disrespect is just too much, 51st state ke and the man keeps repeating it, you de whine? 😂

As for Europe they have no choice o especially our beloved Uk, Texas gdp alone de drag each with Uk, France and Germany so na ‘love me jeje’ things be the way to go!

Zahra29:
The bolded is not necessarily true. Many asylum seekers end up relying on some form of benefits for most of their lives and many immigrants end up paying a small fraction in income tax over their working lives compared to other immigrants or residents.

That's why many countries are placing a greater value on "highly skilled"/earning migrants or those who can afford to donate invest millions to the economy , whilst also acknowledging their need for "low skilled" labour. It's a balancing exercise.

We are saying the same thing! It’s not free after all.

jedisco:
When searching I believe I came across a S&S LISA option from Moneybox only that you can't switch if you already have a cash ISA with them. I also did not think the options in their S&S LISA were quite robust as I wanted a global low cost fvnd. Their fees were relatively high too. Money-saving-expert has a page on LISAs

Another thing to note especially if you're saving more than 4k per year i.e above LISA treshold is that regular cash or S&S ISAs have flexible offerings meaning you can withdraw money and pay it back in same year without it affecting your allowance. Foe example, say you have 30k contributed across tax years in a Cash ISA, you can withdraw that money for a home purchase (or any reason), afterwards could still put back 30k in that same tax year (and retain its tax free status) if your provider is flexible. This is not possible with LISAs - you'd have to wait for the next tax year to start afresh

Ok. Thank you.

That must have been why I don't see the option. I know about the cash and S&S and using that asides my LISA as well.

Goke7:
I can’t blame Canada o that disrespect is just too much, 51st state ke and the man keeps repeating it, you de whine? 😂

As for Europe they have no choice o especially our beloved Uk, Texas gdp alone de drag each with Uk, France and Germany so na ‘love me jeje’ things be the way to go!

Neither do i, he deserves no respect from any living being... even the dead, his power diminishes day by day as we count down to midterm .

jedisco:
A good starting point is understanding what ISAs are. ISAs is the umbrella term for your tax free saving allowance of 20k. Its like a tree which then has different subdivisions such as LISA, S&S ISA, Cash ISA e.t.c. I've found this site useful in explaining the whole concept : https://www.moneysavingexpert.com/savings/isa-guide-savings-without-tax/

Now to LISAs - Its a seperate bucket under your ISA where the government tops up your contribution by 25% but this can only be used penalty-free for 2 purposes: buying your first home or at retirement. There is also an exemption if one is terminally ill. Also worth noting that you can't currently use it to buy a house that costs more than 450k - something to consider as you're in London.


First is to decide if you want to save for your home in a LISA or normal ISA or both. To many, filling a LISA first is preferable as you get the 25% rebate. With the money (your deposit + govt rebate) now in a LISA, you then decide what you want to do with it. Do you leave it in cash and get 1- 4% per annum without the risk of loosing money or do you invest it in S&S with potential for much higher returns but risk of losing some capital. If investing, the next question is do you buy individual companies (st0cks) or do you buy a basket comparising a large amount of companies (i.e fvnds). Fvnds which are my preference, if well chosen are cheaper, little hassle and historically return 7-10% pa. There's the risk you may lose some money when investing but if you your time frame is long enough (3-5 yrs and above), you would likely come out much better when invested properly. The risk is actually holding cash. Remember guaranteed interest on cash would struggle to match inflation and is unlikely to keep up with house prices.
When deciding on whether to go with solo st0cks or buy a collection, I've found this short video series quite good in explaining the concept.

https://www.youtube.com/watch?v=gM4KEJQ_Z5U

I'd give an example (pictured)- after buying my place, I decided to continue investing in my LISA for retirement purposes. This time I went with S&S against cash. Its maxed out for the financial year and invested for under 8 months in the named fvnd. Returns so far (aside government rebate) is over 9%. Granted the last 2 years have been exceptionally good for markets but it'd take 3 years for same amount in cash to bring same return if the interest rate was 3%. I say 3% cos though you might get higher now, rates are likely to fall as BOE drops rates. Interest rates on cash were 1% is not too long ago. While saving for my place, I used a cash ISA+ LISA but with what I know now, I'd save in S&S if I'm doing it again.
Thesame concept largely also applies to how pension investments are made. Just like ISAs, they are all called tax-free wrappers. It's what you do with money inside the wrapper that matters.

Thank you Jedisco … extremely clearrrrr, very very clear . Makes perfect sense.

I intend using trading 212 as a platform, is that wat u use as well?

Hi guys, someone I know applied for a uk visa from Nigeria via an agent. The agent used false documents. The individual has now been banned . Please how have people handled this in the past? Can he appeal?? Anyone had any success?

I dont think he can appeal, its a case of falsified documents.

Lolli2pop:
Hi guys, someone I know applied for a uk visa from Nigeria via an agent. The agent used false documents. The individual has now been banned . Please how have people handled this in the past? Can he appeal?? Anyone had any success?

https://www.ein.org.uk/news/home-office-extends-evisa-grace-period-until-new-deadline-1-june-2025

Please keep your current expired brps for use if leaving and returning to the UK