₦airaland Forum

ppeoye:
We bought a house in 2024 and i had already started looking for a buy to let property but i had to suspend that due to the uncertainty surrounding ILR

Don't let that hold you back ooo.
Even if you leave the UK, an estate agent can manage it and send you returns though it'd require more planning.

2025 was a good time to get in. The market was slow and one could eck out discounts. I was able to get a rental yield of 8.1% on a decent property in the south which would have been unheard of a few years back.

BTL in itself ain't easy. An ETF may give better returns with much less hassle and unrivalled flexibility. However, property serves as a good means to diversify and there's the feel that comes with owning a tangible asset. There's the flex that comes with the phrase 'I own British property'.

I spent 1-2yrs looking and waiting for interest rates to drop and unlike when I got my personal place where I left my deposit in a cash ISA for peace of mind, this time, I invested my deposit in an ETF as I would rather be invested while waiting. This got me over 20% profit on my deposit by the time I was ready to buy. Trumps shenanigans would have been scary but the market rebounded sharply. Returns from the market helped me bid my time and wait for what I wanted. At a point, I was about to pull the plug on BTLs and just be solely in ETFs.

I might reconsider later but for now, i will stick with the stock market

jedisco:
Don't let that hold you back ooo.
Even if you leave the UK, an estate agent can manage it and send you returns though it'd require more planning.

2025 was a good time to get in. The market was slow and one could eck out discounts. I was able to get a rental yield of 8.1% on a decent property in the south which would have been unheard of a few years back.

BTL in itself ain't easy. An ETF may give better returns with much less hassle and unrivalled flexibility. However, property serves as a good means to diversify and there's the feel that comes with owning a tangible asset. There's the flex that comes with the phrase 'I own British property'.

I spent 1-2yrs looking and waiting for interest rates to drop and unlike when I got my personal place where I left my deposit in a cash ISA for peace of mind, this time, I invested my deposit in an ETF as I would rather be invested while waiting. This got me over 20% profit on my deposit by the time I was ready to buy. Trumps shenanigans would have been scary but the market rebounded sharply. Returns from the market helped me bid my time and wait for what I wanted. At a point, I was about to pull the plug on BTLs and just be solely in ETFs.

Raalsalghul:
You mean the year our 50 year route will start?

😂 you this man! I don’t even know what to tell you. This your 50 year route be like AI

Goke7:
😂 you this man! I don’t even know what to tell you. This your 50 year route be like AI

HustlaOfLagos:
I should go and do research on something that formed part of the basis for recommending quick MS Purview DLP implementation for where I work several months ago?
https://www.gov.uk/guidance/data-incident-affecting-applicants-to-the-afghan-relocations-and-assistance-policy-scheme-and-afghanistan-locally-employed-staff-ex-gratia-scheme

Is that not interesting?

You should know that I do not speak on topics I know nothing about which is why you will never catch me discussing things like crypto. Before I put anything out there, be assured that gov links and reputable sources have been checked which is why I always add links as evidence to avoid cho cho cho.

I am not speaking on what Afghans did or did not do. The simple ask is --->

50,000 Afghans
50, 000 Somalis
50,000 Nigerians on a student visa

- Which group is more likely to contribute, integrate and get on tax paying jobs without seeking benefits?
- Which group is most likely to disrupt the British way of life, create segregated communities, refuse to learn the language and demand Sharia (the exact opposite of the British religion) in their communities?

Hint: One of them even has a gang based off them - https://en.wikipedia.org/wiki/Mali_Boys

Perfect time to revisit this given the slew of allegations against Somali "asylum seeker /refugees" and given that my question was not answered. The scale of fraud is so large and brazen that it is pitiful.

One of the fraudsters, Abdiaziz Shafii Farah was sentenced to 28 years in August. The judge at his sentencing said - "This country gave Farah everything. A home. Citizenship. A free college education. After that he went on to public employment with the state of Minnesota. And how did he repay this country and this state? By robbing us blind."

https://www.justice.gov/usao-mn/pr/landmark-sentence-feeding-our-future-scheme-leader-sentenced-28-years-prison#:~:text=In%20imposing%20the%2028%2Dyear,By%20robbing%20us%20blind.

50+ convictions so far and even the video I watched before YouTuber Nick Shirley went viral a couple of days ago, they could barely speak English and seemed to isolate in their own communities. Also noticed that men usually had to speak for the women which is not American culture in the least.

https://www.cbsnews.com/news/minnesota-fraud-schemes-what-we-know/

We all know the ones on student visas are most likely to integrate and contribute but they are the ones being punished with 100 year routes and insulted the most.

We will await Feb 2026 and see what it brings with the immigration proposals and changes. I still strongly believe everything will be implemented as stated with very little changes.

Happy New Year to everyone

Hello my good people, happy new year. Abeg any one knows how to get vfs visa appointment date, I Don check tire. Are there any cheat codes, or are there particular times when they release these dates.

Who get group link for buying and selling pounds?

AirBay:
Who get group link for buying and selling pounds?

Just curios, why would you want to go this route when there are apps out there that will sort this out in minutes (lemfi, remitly etc). In my experience lots of people have lost funds through peer to peer exchange.

Goodenoch:
https://www.theguardian.com/politics/2026/jan/06/kemiworld-might-makes-right-dont-mention-greenland

I think it’s not a coincidence that you selected a username moniker which portrays you as the direct opposite of Kemi’s husband’s family name.

I think you are obsessed with that woman.

ReesheesuKnack:
I think it’s not a coincidence that you selected a username moniker which portrays you as the direct opposite of Kemi’s husband’s family name.

I think you are obsessed with that woman.

Wow. You are such a genius to have discovered that!!!

My goodness - your IQ must be off the charts!

Happy new year everyone. Please, this is a passionate appeal to anyone who can refer me to any vacancy/opening in the Greater Manchester region. I am a newcomer and it has been challenging these past weeks. Please help a brother in need. Thank you

Happy New Year to all of you!

Please, anyone with a security job link in London, direct or agency – I don't mind.

security guard, retail security officer or any

I have my SIA badge.

Thanks.

Let's imagine if Keir could implement this....... 😂

Trump’s Call for 10% Credit-Card Cap Aims at Banks’ Crown Jewels https://www.bloomberg.com/news/articles/2026-01-10/trump-s-call-for-10-credit-card-cap-aims-at-banks-crown-jewels

Lexusgs430
This article is behind a paywall. Is there some way one could read, without having to the the discounted fee of £115 for subscription?

Lexusgs430:
Let's imagine if Keir could implement this....... 😂

Trump’s Call for 10% Credit-Card Cap Aims at Banks’ Crown Jewels https://www.bloomberg.com/news/articles/2026-01-10/trump-s-call-for-10-credit-card-cap-aims-at-banks-crown-jewels

BouharryArtikou:
Lexusgs430
This article is behind a paywall. Is there some way one could read, without having to the the discounted fee of £115 for subscription?

Let's hope KS follows this, but UK greedy banks would fight this move....... 🇬🇧😂

This was his announcement of good news.....

Lexusgs430:
Let's hope KS follows this, but UK greedy banks would fight this move....... 🇬🇧😂

This was his announcement of good news.....

wasn't he same person that used executive order to overrule Biden legislation that capped late fees at $8.

Truth is that the capitalist America won't allow this to happen

michlins:
wasn't he same person that used executive order to overrule Biden legislation that capped late fees at $8.

Truth is that the capitalist America won't allow this to happen

Needs to give his gullible supporters some red meat to take attention away from kidnapping for oil Jeffrey Epstein files scandals

michlins:
wasn't he same person that used executive order to overrule Biden legislation that capped late fees at $8.

Truth is that the capitalist America won't allow this to happen

Never say Never...... 😂

Lexusgs430:
Never say Never...... 😂

Trump is a core businessman. He shares same vibes with our Nigerian government people. Rub my back and I rub yours. His donors know this very well

https://www.nairaland.com/8597083/us-urges-citizens-leave-venezuela

The next chapter has started. Another country in crisis and plunged into a free-for-all of violence by Western neo imperialists.

A few years from now when refugees are pouring through to find safe haven, the good people of the US will act shocked as if it has nothing to do with them, then a few years later when theres further strife some people (AKA Team 'underlying causes') will come to attack the communities for harboring negative sentiments of the USA - again as if those sentiments materialised out of the blue against dear old, innocent USA (+ its vassals like the UK).

All playing out just like it did in Iraq, Afghanistan, Libya, Syria, Yemen, Somalia, Vietnam, Laos, Nicaragua, El Salvador, Guatemala, Iran, Lebanon, Sudan, the Balkans etc etc etc.

How do one get a cheaper house to buy in the UK around the South West area of England

Lexusgs430:
Never say Never...... 😂

It will never happen. Trump got no such power.

justwise:
It will never happen. Trump got no such power.

Like he had no powers to kidnap a president (although not recognised by many)........ 🙄😂

xcaper:
How do one get a cheaper house to buy in the UK around the South West area of England

What is cheaper to you.....

And what's the going average of properties around your area.......

Property auction an option, but thwart with numerous risks and financial headache........

Lexusgs430:
Like he had no powers to kidnap a president (although not recognised by many)........ 🙄😂

Trump can not force private companies to increase or lower their credit card interest rate, it will end up in court and he will not win it.

Kidnapping for oil is easier because he has the military power but this is to totally different case

Goodenoch:
https://www.nairaland.com/8597083/us-urges-citizens-leave-venezuela

The next chapter has started. Another country in crisis and plunged into a free-for-all of violence by Western neo imperialists.

A few years from now when refugees are pouring through to find safe haven, the good people of the US will act shocked as if it has nothing to do with them, then a few years later when theres further strife some people (AKA Team 'underlying causes') will come to attack the communities for harboring negative sentiments of the USA - again as if those sentiments materialised out of the blue against dear old, innocent USA (+ its vassals like the UK).

All playing out just like it did in Iraq, Afghanistan, Libya, Syria, Yemen, Somalia, Vietnam, Laos, Nicaragua, El Salvador, Guatemala, Iran, Lebanon, Sudan, the Balkans etc etc etc.

They said China is the threat though with their spying EVs and their unbelievable attempts to make tech cheaper and more accessible without bombing other countries

While at it, sprinkle in buzzwords like "overcapacity", "threat", "state owned" , "government backed subsidies", "at what cost", "unfair trade practices", "market manipulation". "dystopian surveillance state", "social credit sysyem" and everyone loses their minds

justwise:
Trump can not force private companies to increase or lower their credit card interest rate, it will end up in court and he will not win it.

Kidnapping for oil is easier because he has the military power but this is to totally different case

Let's watch this space...... Hopefully, when he implements this 10% APR regime, UK banks would follow suit, then we enjoy low rates on our credit cards for a few months & banking stocks would crash a bit ...... Happy Days.... 😂😁

Lexusgs430:
Let's watch this space...... Hopefully, when he implements this 10% APR regime, UK banks would follow suit, then we enjoy low rates on our credit cards for a few months & banking stocks would crash a bit ...... Happy Days.... 😂😁

American banks will not let alone the UK banks, The clueless president will say anything just to get his rating out from the water

justwise:
American banks will not let alone the UK banks, The clueless president will say anything just to get his rating out from the water

Don't you like spending on 10% apr...... 🙄😂

Goodenoch:
https://www.nairaland.com/8597083/us-urges-citizens-leave-venezuela

The next chapter has started. Another country in crisis and plunged into a free-for-all of violence by Western neo imperialists.

A few years from now when refugees are pouring through to find safe haven, the good people of the US will act shocked as if it has nothing to do with them, then a few years later when theres further strife some people (AKA Team 'underlying causes') will come to attack the communities for harboring negative sentiments of the USA - again as if those sentiments materialised out of the blue against dear old, innocent USA (+ its vassals like the UK).

All playing out just like it did in Iraq, Afghanistan, Libya, Syria, Yemen, Somalia, Vietnam, Laos, Nicaragua, El Salvador, Guatemala, Iran, Lebanon, Sudan, the Balkans etc etc etc.

Strikingly similar to what happened in Libya. After Ghaddafi's killing (not his fan), no plan was made to support the nation which descended into chaos. Western nations instead chose different militant groups to support.
The resultant chaos led to the proliferation of arms and violence along that corridor all the way to Nigeria. Look how many West-African countries have lost their democracy which the west was ironically looking to spread. Today, Nigeria has to take commercial loans at over 10% mainly from western pension funds to fund purchases of American weapons to fight these terrorists. Knowing fully well our economy is not growing at over 10%, the only way we can meet up with loan repayments is to sell resources on the cheap. So in essense, our sweat is used to fund western retirees and opulence while we suffer.

Our new loving westerners who are exceptionally keen to warn us against China never mention all this.
Imagine if it was China that orchestrated this invasion of Venezuela or the fall of Libya

HustlaOfLagos:
They said China is the threat though with their spying EVs and their unbelievable attempts to make tech cheaper and more accessible without bombing other countries

While at it, sprinkle in buzzwords like "overcapacity", "threat", "state owned" , "government backed subsidies", "at what cost", "unfair trade practices", "market manipulation". "dystopian surveillance state", "social credit sysyem" and everyone loses their minds

You forgot 'communist'.

It's the classic give a dog a bad name to hang it. The buzzword now is 'immigrant'. Well, those tactics are coming home to roost. The narrative used today in U.S politics to describe any human opposition to the current government as a 'radical leftist'. Once that's used, it doesn’t matter what they're saying- to Trumpists, they become the enemy. I.e slowly dehumanising dissenting voices.

Eitherway, make you dey careful before someone asks why you're in the west and not in China.