Living In The Uk-life Of An Immigrant (part 3) - Travel (906) - Nairaland
Nairaland Forum › Nairaland General › Travel › Living In The Uk-life Of An Immigrant (part 3) (1339056 Views)
1 2 3 ... 903 904 905 906 907 908 909 ... 973 Reply (Go Down)
| Re: Living In The Uk-life Of An Immigrant (part 3) by WanderingChild: 7:15pm On Nov 26, 2025 |
Kemi Badenoch is brutal. I hope she keeps this up. Unfortunately, UK is toast. They (this Labour Govt) will use inflation to generate growth and push more people into poverty. Salary earners are double toasted. It is clear Labour have no idea on how to run anything. I have never seen where government in a developed economy is the biggest employer keeping jobs growth positive - it is down in every private sector since the disastrous autumn budget according to the ONS and only up in admin and healthcare (govt). Kemi: "Her speech today was an exercise in self delusion" Kemi: "... I interrupt your Cheerios to bring you this frightening message about income tax..." Absolutely brilliant! |
| Re: Living In The Uk-life Of An Immigrant (part 3) by WanderingChild: 7:21pm On Nov 26, 2025 |
@jedisco It seems my response to you was hidden twice. Good catch. Hopefully, I can return to my old account soon. The issues you address re pension and property and your points are valid if and only if certain assumptions hold true. First, that policies continue to remain protective as they are without changing too much tomorrow to impact people. Second, that people can muster the financial strength to wrangle through the potential implications such as taxes and associated compliance that may exist. Third, that people have measures in place to ensure that on their demise, their estate can be fairly accessed by their heirs. I shall set forth to provide more details. First, we are no strangers to pervasive policies that have been enacted worldwide and historically. Throughout history, governments have restricted non-citizens' economic rights through wartime measures (where asset freezes and confiscations occurred during declared or undeclared conflicts), racial/ethnic targeting (where laws are coded as nationality-based but designed to target specific groups), economic warfare (with redistribution policies framed as correcting historical injustices), national security (post-9/11 measures and sanctions regimes), limited due process (administrative seizures without criminal convictions), difficulty accessing compensation (with long delays, inadequate payments, or no restitution), etc. These policies have consistently resulted in substantial financial losses, displacement, and long-term economic hardship for affected communities, with compensation efforts often proving inadequate or taking decades to materialize. It may be possible to argue that one is merely being over-dramatic, but seeing that one’s base nationality is Nigerian that has on the international stage be threatened with invasion and even designated as a “now disgraced country”, and that the next 2-5 sets of leadership over the next 25 years that will be emerging in most of these developed countries are going to be nationalistic with very extreme tendencies, I do not think it is safe for immigrants to invest their foundational wealth in these countries. Proceeds of such [foundational] wealth could be invested in such countries, but the base (or foundational wealth) needs to be mobile. I am essentially advocating for a tiered wealth protection strategy based on legal vulnerability. This is because during nationalism, or political shifts, non-citizens are legally vulnerable in ways citizens are not. Historically, the cycle is openness then crises then restriction then scapegoating then confiscation. I note here @jedisco that you hold British Citizenship. You have a protection that many immigrants may never have. This changes the dynamics for you. Second, it is now becoming VERY expensive to maintain accountability as we migrate. The ongoing administrative and financial burden of maintaining cross-border tax compliance can indeed be so substantial that it effectively erodes or even negates the value of maintaining investments across multiple jurisdictions. This represents a different kind of “cost” than outright confiscation, but it is no less real for migrants. For US residents (GC holders and citizens), some overseas investments are tax inefficient (please this is not financial advice – just my opinion). Offshore Investment Bonds (deemed as Passive Foreign Investment Companies or PFICs), QROPS and ISAs, which although favourable from a UK taxation perspective, they are considered toxic investments in the U.S. U.S. taxpayers investing in Canadian funds may encounter PFIC rules that trigger unfavourable tax treatment unless handled carefully. Many overseas institutions will severe relationships with you once you acquire a US citizenship or permanent residency status due to the compliance burdens imposed by FACTA. Recent reforms including the abolition of the UK Lifetime Allowance, the removal of exemptions on Overseas Transfer Tax for some cross-border pension transfers, and the inclusion of pension benefits into inheritance taxes could all have considerable impact on finance planning. For many migrants, the economically rational choice becomes to liquidate cross-border investments rather than maintain them. This is not because of confiscation, but because compliance costs make them financially unviable. This represents a form of administrative confiscation through complexity, where the barrier is not a government seizing property but making it so burdensome to keep that disposal becomes the only practical option. Again, I note @jedisco that you are a PR in Canada. Unlike (rather than similar to) you, I hold a US green card which means my reality is totally different from what you may face. Another dimension for a dual national with a third PR like you. We may have similar bases (Nigerian and British citizenship, but our realities tax wise change at Canada/US route). Third, there is a real vulnerability in cross-border estate planning that many immigrants face: assets held in countries where neither the deceased nor their heirs have legal status can become legally complicated, expensive, or even inaccessible to recover. For instance, different countries have vastly different inheritance laws, probate processes, and requirements for foreign heirs. Some countries impose heavy estate taxes on non-residents, require local legal representation (expensive), or have lengthy probate processes that can take years. If heirs are minors living abroad, the complexity multiplies. They may need court-appointed guardians or trustees recognized by foreign courts. Also, there is the documentation burden that heirs could face. Documents need to be apostilled (I am assuming no translation since we are all English speaking), proof of relationship, proof of death recognized by foreign jurisdictions, and sometimes must physically appear in the country where assets are held. For young heirs or those without the resources to navigate foreign legal systems, this creates real barriers. We must not also ignore the fact that some investments like businesses, rental properties, or accounts with maintenance requirements can deteriorate in value during prolonged probate, especially if heirs cannot access them quickly. My argument here is that setting up international estate structures like offshore trusts, properly drafted wills valid in multiple jurisdictions, powers of attorney etc., can cost thousands to tens of thousands of pounds, which many working immigrants simply cannot afford while building their lives. My caution is this: do not put your survival at the mercy of a system where you are a second-class participant. This is not paranoia. This is understanding the legal and political reality of being an immigrant, especially in an age of rising nationalism and resource competition. I agree that it is tragic that this level of defensive thinking is necessary. But given historical precedent and current trends, keeping your foundational wealth only where you have full legal protection is prudent risk management, not excessive caution. I am not against investing in the UK for immigrants without settled status, I am saying foundational wealth should be in places where you have the most protection as a citizen. I must also note that we must appreciate seeing things from the perspective of most immigrants who may never acquire settled status in the UK or elsewhere and who may also not have the sophistication to navigate the complex realities involved in cross border management of investments. |
| Re: Living In The Uk-life Of An Immigrant (part 3) by WanderingChild: 8:20pm On Nov 26, 2025 |
I honestly don't think the Labour Government have any clue what they're doing to people and their aspirations. Starting a business as a young person today is virtually impossible. There's no growth happening in the UK. If you take away financial services, which is basically just London, what you're left with is effectively a third world country. Here's a staggering comparison: Nvidia today has a market cap of $4.5 trillion. The UK has a GDP of $3.64 trillion. The entire UK stock market is valued at $3.42 trillion. Think about that. If Nvidia were to list on the LSE today, it would represent 57% of our entire stock market. One company. You add Microsoft and Facebook and Apple and OpenAI (not listed) and SpaceX (not listed) and you start seeing that the UK is a proper mathematical factor of the US economy - a joke. Immigrants are going to suffer tremendously. Without access to income protection and safety nets, they'll be the first ones hit when the private sector faces headwinds. Working families will be utterly crushed. The frozen income tax thresholds mean that as salaries inflate, people get pushed into higher tax brackets, absolutely decimating their purchasing power. Energy prices? They're set to spiral completely out of control. With all the AI infrastructure being built across London and Slough, and the massive upgrades needed for substations, transmission lines, and generating capacity, bills could easily double or quadruple over the next three to five years. This is genuinely dangerous. Households will literally be competing with data centres for electricity, driving prices through the roof. Young people have it the worst. Coming out of school to find no jobs, no internships, no graduate programmes. Companies are capping these schemes or shutting them down entirely, offshoring to cheaper locations in Asia and South America instead. Many will enter into the benefit system, some will migrate to survive (now almost impossible), a few will become truants or just try their hands on something. I genuinely cannot understand why any government would set out to be this brutal and out of touch. In developing economies, bad policies are already priced into expectations of citizen misery so no shock on the system (there is no amount of shock that Nigerians can face today from budget presentation. We have priced in the worst case). But in a developed economy, bad policies create brutal shocks that ripple through society and can actually collapse the economy. We saw this with Kwasi's short lived budget. And now introducing tax on electric vehicles this early? That's a new low from this government. The fact that breakfast clubs for school kids is their solution to child poverty just shows how completely out of their depth these people are. It is not looking good at all for the UK and its residents. |
| Re: Living In The Uk-life Of An Immigrant (part 3) by WanderingChild: 8:39pm On Nov 26, 2025 |
Just a thought. I did NIW too but that was when the US was still sane - I got my NIW under 3 weeks (no premium). You can try EB1 and pay for premium so you eliminate the 19-21 months delay in getting a feedback. I believe Trump is deliberately trying to lower legal migration since deportation isn't working as fast as he intended. RFEs as someone indicated are very high nowadays but if your petition is solid you are fine. Also, have you given Australia a thought? They have the NIV (National Innovation Visa which is a permanent residence visa). If you have attributes for an EB1 and EB2 you can test it by submitting an EOI. It varies for individuals but you can give it a shot. It is free to put in an EOI. The only issue is you have 60 days to apply when you get invited. So best shot is to do the EOI along with getting someone or a provincial govt or a business to help fill out your Form 1000. Lastly, China also has the K visa. Recently launched but more like the UK's global talent visa. No employer needed. My thesis is that in the interim, broader mobility beats citizenship. Someone with residency status in the UK (global talent) and US (EB2/EB1) beats a Nigerian with British passport in accessing opportunities. HustlaOfLagos: |
| Re: Living In The Uk-life Of An Immigrant (part 3) by RodgersAkpafu: 11:28pm On Nov 26, 2025 |
WanderingChild:Your thesis is very debatable though It only holds if the British passport holder is a carer changing pampers and the Nigerian passport holder is like a finance/tech professional with PhD and a nice profile even at that. the Nigerian will struggle with mobility because of visa bottlenecks Bottlenecks a carer with British kpali wont face its dicey sha and can be expanded on further |
| Re: Living In The Uk-life Of An Immigrant (part 3) by RodgersAkpafu: 11:30pm On Nov 26, 2025 |
WanderingChild:Seems you are right wing/ right leaning First, these US companies are very overvalued That's one Second, the idea that UK ex London is a third world country is ludicrous There are thriving Northern Cities like Leeds, Manchester, Glasgow etc Third, the UK govt is doing what they have to, to keep the boat going The tories have tried it the right wing way and brought nothing but chaos Lets see what Labour will achieve with their own style |
| Re: Living In The Uk-life Of An Immigrant (part 3) by RodgersAkpafu: 11:36pm On Nov 26, 2025 |
WanderingChild:But the Chinese are spending insane amounts of money to keep their own ship sailing So why cant UK do same ? |
| Re: Living In The Uk-life Of An Immigrant (part 3) by WanderingChild: 12:36am On Nov 27, 2025 |
You are ruthless in your assessment of the Brits. For the immigrant, the present need is certainty around settlement and mobility (opportunities). I will go a little academic here and adopt the popular Capabilities Approach theorem to support my thesis. According to Hillerbrand, capability can be defined as the set of alternative combinations of ‘functionings’ that can feasibly be achieved by a person. These functionings concern what a person is and what they can do. A British person can travel worldwide with limited hindrances visa wise. However, national policies around work or the ability to access opportunities that require residency status constrain the Brits ability to access these opportunities in the places they can travel to for visit. A Nigerian, with a UK global talent visa, a Canada PR (added to excessively show the benefit) and a US green card while vulnerable to limitations occasioned by visa policies for other countries (if they choose to visit) does enjoy more “work” opportunities than the British person and hence has a higher functioning than the British person since they have more jurisdictions where they can work and access opportunities that require residency status. Were the British person to apply for the necessary visas to work in the US and Canada, of course that will change the dynamics. Assumption: The key assumption here is that travel for visit does not offer superior benefits to being able to work and reside in a place. RodgersAkpafu: |
| Re: Living In The Uk-life Of An Immigrant (part 3) by WanderingChild: 12:37am On Nov 27, 2025 |
I am not actually. I am just commonsense leaning. I don’t hold the view that systems should be perfect; it is the imperfection that creates opportunities for exploitation. Politicians should be able to create enabling policies that stimulate growth, protect the vulnerable and ensure equity. That’s all. What we have today is a charade. US companies overvalued? How would you value them? I agree with the general notion of being overvalued maybe by a tad, but we live in an intangible world where the price of a company today is based on what shareholders deem the future value of that business will be tomorrow. What has generated this for the US is intellectual property (IP). The US leads in IP. IP is a knock-on effect of innovation. When you walk the streets in your community, do you see innovation? Have you gotten an idea and mistakenly shared it with someone and they write you a £50k check to go validate the idea and you don’t know them? That is the US. The UK cannot do that because it is inherently risk averse. Brits don’t take risks. The safest investments are properties and pension. We don’t talk about IP. Let me give you a painful statistic. When you calculate GDP/Capita by states in the US, the top 3 and the bottom 3 are (based on 2024 data): New York: $117,332, Massachusetts: $110,561, Washington: $108,468, West Virginia: $60,783, Arkansas: $60,276 and Mississippi: $53,061. For the UK, the GDP/capita for London, Leeds, Manchester, Glasgow are $87,600, $37,000, $49,000, and $63,000. These figures may vary by source. What this means is that the least US state by GDP/capita which is Mississippi fares more than 90% of UK cities. The Northern cities are not thriving; they are relics of a time. UK is falling behind peer economies. Agreed, we went to the polls and got what we have now. See, I have no qualms with who is at No 10 if they can deliver on their promises. The economy is messed up. We have had no growth for over a decade and even the OBR is predicting 0-1% growth over the next 5 years. That is terrible. We are seeing what labour can deliver – more poverty, increased unemployment, increased cost of doing business, and increased inefficiency in public services (record high numbers in Civil Service – aha you will say, this is right leaning. No sir. It is just maths. An inefficient system wastes resources), etc. RodgersAkpafu: |
| Re: Living In The Uk-life Of An Immigrant (part 3) by WanderingChild: 12:38am On Nov 27, 2025 |
The UK can sir. It will amount to two things. If done with sane people, you will have inflation no doubt but massive increase in productivity that will mop up the inflation. Government spending without productivity reforms (planning reform, infrastructure investment, innovation policy) will lead to inflation without growth. The UK needs supply-side reforms alongside fiscal policy. This is something neither Labour nor Conservatives have delivered. If the UK government goes on a spending binge, money will chase what little assets there are – property and money funds (pensions, bonds, etc.). Asset prices will rise (law of demand and supply), poor people will become poorer (currency devaluation) while the rich see their valuation go up (they become richer). China is not a democracy so she can control capital utilisation and mandate policies to address national priorities – no elections in China so no one is not worried about re-election. RodgersAkpafu: |
| Re: Living In The Uk-life Of An Immigrant (part 3) by RodgersAkpafu: 1:07am On Nov 27, 2025 |
WanderingChild:Well This is very interesting analysis But just to be clear while your framework is applicable The framework within which I made my assessment was Nigerian (origined or descendants) carer with British kpali vs someone of my and your calibre without UK passport, but Nigerian one with the visas and residencies |
| Re: Living In The Uk-life Of An Immigrant (part 3) by Goke7: 9:18am On Nov 27, 2025 |
RodgersAkpafu:I thought I was the only one who noticed which is not bad though cos that’s how most immigrants are after getting all necessary kpali 😂 they lean more to the right |
| Re: Living In The Uk-life Of An Immigrant (part 3) by HustlaOfLagos: 1:12pm On Nov 27, 2025 |
WanderingChild:I have mooted similar points in the past and I am glad people are starting to see this. ![]() |
| Re: Living In The Uk-life Of An Immigrant (part 3) by HustlaOfLagos: 1:15pm On Nov 27, 2025 |
WanderingChild:EB1 is still faster than the EB2 and the dates are current. Was going to try the AU one in place of Canada but then, one has to look at family and the ease of going to see family / distance. AU would have ticked all the boxes - salary, weather, upward mobility etc but it is what it is |
| Re: Living In The Uk-life Of An Immigrant (part 3) by RodgersAkpafu: 2:52pm On Nov 27, 2025 |
Goke7:I am still left leaning though So i dont think its bout sorting your papers Having said that I have been reading the rancor between Nigerians in UK and Nigerians in Canada on twitter over the past week, and I am very ashamed of our ppl Because whether we like it or not, from a dispassionate position, Nigerians in Camada ARE RIGHT to be apprehensive of the potential riff raffs coming from the UK I meanz Dr. Pepple was stray bullet, as I believe he didnt deserve that, but he was just a victim of a bad reputation that NIUK have notoriously earned People who claim to have advanced education couldn't even read to comprehend, but all of them talking rada rada revealing their inner insecurities Shame catch me mehn for our ppl |
| Re: Living In The Uk-life Of An Immigrant (part 3) by HustlaOfLagos: 3:00pm On Nov 27, 2025 |
Immigration levels have dropped to the lowest since 2021 it is said that 693K people left the UK, highest number in a century but the same issue still exist. Now what? |
| Re: Living In The Uk-life Of An Immigrant (part 3) by Goodenoch: 3:06pm On Nov 27, 2025 |
RodgersAkpafu:I'm not on Twitter so I don't know (and frankly don't want to know) anything about this drama but I'm curious about one part and want to ask you since you endorsed the view. Who are the "riff raffs" that might move from UK to Canada? |
| Re: Living In The Uk-life Of An Immigrant (part 3) by Goke7: 3:10pm On Nov 27, 2025 |
RodgersAkpafu: everybody will be alright, but what I don't like is all these self-righteous people or acts that tend to be all-knowing and appointing themselves as immigration ministers or home secretaries that can't even influence anything but turn to nuisances online. It's best to just give your views and mind your business and let the government regulate however it wants. Scarcity mentality is a curse. |
| Re: Living In The Uk-life Of An Immigrant (part 3) by Goke7: 3:12pm On Nov 27, 2025 |
Goodenoch: this is like sitting for JAMB and WAEC on the same day. Even if it's an open-book exam, person go explain tire |
| Re: Living In The Uk-life Of An Immigrant (part 3) by RodgersAkpafu: 3:15pm On Nov 27, 2025 |
Goke7:Its not even about the immigration angle Those guys also missed it See broda mi The real worry of every immigrant should even be about govt policy but how the people and society of the host country receive u If your collective reputation sours, e don be for una no matter how sweet the govt might be The people will make your life a living hell So Nigerians are missimg it They should ask Nigerians in Germany what they are facing there You have associates there na, gee, ask them Govt invited them to even come school for free and easier visa transition YET After the people have shown them shege They took the education and left These are things an average Nigerian cannot comprehend because such person have a dangerous blend of half baked education blended with a one dimensional brain that doesn't think |
| Re: Living In The Uk-life Of An Immigrant (part 3) by Goke7: 3:15pm On Nov 27, 2025 |
HustlaOfLagos:wetin go remain for the reform party to campaign now? #bring back our emigrated patriots cos this immigration song don dey expire o |
| Re: Living In The Uk-life Of An Immigrant (part 3) by RodgersAkpafu: 3:16pm On Nov 27, 2025 |
Goke7:lmao |
| Re: Living In The Uk-life Of An Immigrant (part 3) by RodgersAkpafu: 3:17pm On Nov 27, 2025 |
HustlaOfLagos:now they are saying that the figures dont tell the full story Because White people and the top professionals are the ones leaving en masse, hence bringing net migration down ppl that are drunk |
| Re: Living In The Uk-life Of An Immigrant (part 3) by lavida001: 3:22pm On Nov 27, 2025 |
RodgersAkpafu:Could Dr pepple be thesame Dr on here that recently moved to Canada 🇨🇦 🤔 just thinking out loud and between I’m happy he was dragged. |
| Re: Living In The Uk-life Of An Immigrant (part 3) by Goke7: 3:22pm On Nov 27, 2025 |
RodgersAkpafu:You're very right, and I can't even argue with you on this. But when you have the likes of Aunty Kemi, who has soiled our reputation further, then what is left? It's time to begin the countdown to go back home whenever our hosts are eventually tired of us. Like one of our brothers here used to say, perhaps we should all head back to Naija to build whatever is left, cos it's obvious we are destructive both home and abroad and personally am fed up and just living one day at a time. I can't come and be getting BP cos of unserious fellows. |
| Re: Living In The Uk-life Of An Immigrant (part 3) by RodgersAkpafu: 3:26pm On Nov 27, 2025 |
Goodenoch:That is a good question And I am gonna answer very candidly Over the last 5 years at the least, because of what i considered to be a lowering of barriers to entry for the UK, all manners of touts, riff raffs etc seeped through the cracks From the ones who entered via the care route (the ones who bought from Nigeria) to non professionals who had a B.Sc sha and just ran the masters package As one who works in a uni, I can tell you from Second hand account that some of the admissions team did a shambolic job in the scrutinisation of potential students I wont call names of Unis, but they know themselves All they were after was the revenues because the British govt in their folly have refused to heighten funding to these unis, and also at the time, refused to increase school fees for locals 8 years in a row So a culmination of all these allowed touts and misfits (i know i sound classist but it is the truth) to come here Their ring light behaviour nko? How they act? You live here nau, you see it, you know When I knew that the NIUK cohort were useless was the day they were arguing and most of them had a consensus that Driver licence has more value than MSc, I was like When you pay ppl to do your assignments And you are a seasoned riff raff, thats what you say Canada on the other hand had huge barriers to entry via express entry and all, coupled with higher rejection rates On average, better crop of people went to Canada straight from Nigeria than to the UK Unfortunately for Canada though, they relaxed the bar and fake Indian students newcomers have come to destroy Indians rep in Canada Nigerians didnt get much from that stream in comparison So to summarise, now that they have come here abd stayed some years, the barrier to entry us lower compared to if they came straight from naja This is not to say every NIUK is a seasoned tout and refined riff raff, but we have quite a number in our midst If Nigerian Canadians allow them to act the same way they do here over there, e don be for them |
| Re: Living In The Uk-life Of An Immigrant (part 3) by RodgersAkpafu: 3:28pm On Nov 27, 2025 |
lavida001:I suspected same But maybe not Jedisco has moved and he is not the only one Quite a number has moved who are doctors these ones are not riff raffs we know the riff raffs we are referring to Its just that Nigerians dont know Doc the way we do Na why dem no wan take chances |
| Re: Living In The Uk-life Of An Immigrant (part 3) by lavida001: 3:35pm On Nov 27, 2025 |
RodgersAkpafu:Be like Lexusgs430’s sef don move cos baba no dey talk here again. |
| Re: Living In The Uk-life Of An Immigrant (part 3) by Goke7: 3:36pm On Nov 27, 2025 |
lavida001:Any doctor you see wey dem drag na jedisco, dude has really got something on you bro! You better chill, the doctor pepple could also be a doctor friend of mine who just moved to Canada and called me a few days ago. |
| Re: Living In The Uk-life Of An Immigrant (part 3) by HustlaOfLagos: 3:37pm On Nov 27, 2025 |
RodgersAkpafu:They always must have something to complain about Its in their DNA ![]() |
| Re: Living In The Uk-life Of An Immigrant (part 3) by lavida001: 3:37pm On Nov 27, 2025 |
RodgersAkpafu:It does sound and type like him tho. Make him come clarify himself o. I trust am him go respond. |
| Re: Living In The Uk-life Of An Immigrant (part 3) by HustlaOfLagos: 3:38pm On Nov 27, 2025 |
Goke7:They can say immigrants forced them to leave, not bad policies or unstable political terrain, immigrants ![]() |
Living In The USA - Life Of An Immigrant Part 1 • Living In The Uk-life Of An Immigrant (part 2) • Living In Canada/Life As A Canadian Immigrant Part 2 • 2 • 3 • 4
Canadian Express Entry/federal Skilled Workers Program - Connect Here Part 8 • Canadian Student Visa Thread Part 21 • USA Visit Visa Part 3

