₦airaland Forum

ehizario2012:
I'm really interested in this topic because I've been contemplating stopping my NHS pension. Is paying NI not enough? That extra 8.5% is somehow jare! Many immigrants in my trust have opted out but I'm still unsure 🤔

Would have asked ehy you want to stop but I see this has been discussed in detail already

Goke7:
Just to add my 10 kobo, you won’t be young forever o and old age can be financially devastating, you may think the pension doesn’t make sense now until then.

If you’re going to stay in this country for the long term and not a mobile migrant like some of us don’t even dare opting out of any pension e get why o!

Still surprised this conversation keeps popping up.

What I find both surprising and worrying is the report that many migrants in his Trust have opted out. I thank God for a senior colleague I spoke with when I arrived. I was all about how I'd return after some years. Chap told me that's what most say initially (including him) but very few actually do return. The prospect of returning one day shouldn't stop me from taking advantage of opportunities right now.

Even for someone intent on moving again, it manytimes makes sense to remain. First, you'd get only a tiny bit of the money and things can always pan out differently. The main times when leaving may make financial sense is for either GP partners who pay both their employee and employer NI or very high earners.

Zahra29:
Compare a migrant at 40 who has worked in the UK for 2 years and paid £2,000 IHS + income tax - there is *absolutely* no way he has paid more into the system than his British peer who has been working since 21 (and part time since he was 16 / 17 years) and has thus paid into the system for >20 years.

You and how you repeatedly report falsehoods.

The average 25yo Brit in pure financial terms is already an economic negative to the tune of 500k to the government. Many remain in the negative all through their working life. This is a well researched fact.

Conversely, a 25yo migrant on the other hand reaims a net positive lifelong. Their coming is like handing the government a 500k cheque with at least a 6 year insurance. Many even top-up their 500k cheque with over 30k in student fees. You have a full grown working adult who would be on average more healthy than the local populace (true), already educated and ready to work on whom the government has spent nothing.

Take myself as an example. I came to the UK in my late 20's, already educated, healthy and without a criminal record. I went on the work providing services even during Covid and paying higher rate taxes all thru. Only used NHS services once and contributed hugely to the economy (and vice-versa).

The Nigerian society was responsible for my primary education/health e.t.c from birth until my prime. What would it cost the UK government of I was to be replaced by someone local. First, you have to start counting costs from maternity costs/benefits (for the persons mother), healthcare in the young, risk of delinquency e.t.c in teenage years. Then the child has to have good grades and now proceed to uni e.t.c. All that they got on a platter. There is a reason the UK keeps returning to seek migrants.

Zahra29:
I think you would find that private insurance or paying out of pocket would be far more expensive than the IHS flat fee - do you know how much an NHS birth and ante/post natal care costs? (Hint - A lot more than £1,035 especially if there are any complications).

Another falsehood again. Why not tell us the cost of a night on the ICU or the cost of brain surgery. You should learn how insurance works.

I'd give you another example. A while back, my car was totalled. I got over 12k paid back whereas my annual insurance fee was a little above 600. Do you think my insurance provider was being benevolent or should I go around jubilating on how 'cheap' insurance premiums are? Afterall, the cost of replacing a vehicle or settling law suit could run into hundreds of thousands but yet, they only charge us a smaller sum.

The bottom line here is simple- migrants should fund their healthcare same way everyone else does theirs which is through their taxes.

Mcleo007:
How do you mean people are not overpaying?
You’re paying about £2k or more for an 18‑month period, and in that time you might only see the GP once or twice. How does that not show that you’ve paid a lot for something you barely use?
The way you’re putting it makes it sound like every migrant uses the NHS in the same way, and that’s just not true. There are people who have been here for four or five years and have only been to the GP maybe twice. And even then, they’re still paying for their medication out of pocket.
The bigger issue, if we’re being honest, is the government underfunding the NHS. The population has grown, but the system hasn’t expanded to match it. Instead of taking responsibility for that gap, it’s easier to point fingers and blame immigrants, especially the legal ones who are actually paying into the system.
And yes, some dependents don’t pay the Immigration Health Surcharge. But whose decision was that? They didn’t set those rules themselves. If the exemption wasn’t there, do you really think they wouldn’t pay?
It just feels like people are focusing on the wrong problem.

Fact is IHS is double taxation and a profitable revenue source for the government.

The odd thing is that migrating folks on average are healthier than similar folks in the country they are migrating to. This has been well studied and holds true across countries.
At first, it seems odd but when you think thru, it makes sense. Modern migration to developed nations is highly selective. How many people in Nigeria with significant physical or mental health issues are able to migrate?

Go to the reception of your local GP surgery, outpatient clinic or even ED waiting area. It'd strike you that most migrants you'd see would be healthcare workers and the demographic distribution among service recipients in most areas would hardly match that of the wider area. Many migrants for the first few years fail to grasp that the NHS is actually 'free'.

Zahra29:
A brief study of UK political history will show you that even King Charles could not save the Tories right now. They have to spend a certain amount of time in the electoral wilderness, probably till at least 2034 GE, before the public forgives them for their failings, including the "Boriswave" which has become mainstream and even has its own Wiki page lol

https://en.wikipedia.org/wiki/Boriswave

I'm not surprised that the term 'Boriswave' and the denigration they've received gives you joy. Do remember that an overwhelming majority would ultimately become Brits like you and me. Sure, they do have their wiki page just like the Windrush boat arrivals do- it's the recurring story of British immigration which you should know.


Like I've said multiple times, I still don't get it.
At what point in the development of some migrant kids does their thinking deviate?
At what point does the child of a Windrush boat arrival start seeing themselves any better than tax-paying folks migrating today? Or is it folks like Kemi who is a product of birth tourism or is it Priti Patel the daughter of refugees? I just don't get it.

To be clear, I don't need/expect them to support migration today. That's an individual decision. However what I don't get is how they see themselves/parents any different from the 'Boriswave'

jedisco:
I'm not surprised that the term 'Boriswave' and the denigration they've received gives you joy. Do remember that an overwhelming majority would ultimately become Brits like you and me. Sure, they do have their wiki page just like the Windrush boat arrivals do- it's the recurring story of British immigration which you should know.


Like I've said multiple times, I still don't get it.
At what point in the development of some migrant kids does their thinking deviate?
At what point does the child of a Windrush boat arrival start seeing themselves any better than tax-paying folks migrating today? Or is it folks like Kemi who is a product of birth tourism or is it Priti Patel the daughter of refugees? I just dont get it.

To be clear, I don't need/expect them to support migration today. That's an individual decision. However what I dont get is how they see themselves/parents any different from the 'Boriswave'

Here is the answer again 😂

Goke7:
Here is the answer again 😂

The ever-revolving circle of British migration.
It's easy to think this is all new but it's not. Every excuse has been given before.
Was doing some reading yesterday and stumbled upon some gory facts of what migrants who came earlier faced.

The odd thing is that many of these kids faced a lot when growing up. I knew a doctor who recounted some gory details of what she and ber brother went thru. She sometimes would breakdown in the middle of work when she has flashbacks.
The more one knows about the British society, the more you see thru most of the loud-mouthed ones.

jedisco:
The ever-revolving circle of British migration.
It's easy to think this is all new but it's not. Every excuse has been given before.
Was doing some reading yesterday and stumbled upon some gory facts of what migrants who came earlier faced.

The odd thing is that many of these kids faced a lot when growing up. I knew a doctor who recounted some gory details of what she and ber brother went thru. She sometimes would breakdown in the middle of work when she has flashbacks.
The more one knows about the British society, the more you see thru most of the loud-mouthed ones.

Yeah since the end of the second world until now it’s same cycle, bring them in and use them for political propaganda to either retain power or grab power

The same Powell noted for the famous rivers of blood speech was the health minister when foreign doctors were massively brought in from India in the 60s.

Goke7:
The exemptions you keep talking about are those who work in the healthcare sector again the maths is simple let the uk govt start charging healthcare workers ihs and let’s see how they will fare and compete with other G7 nations. It will be interesting to see where doctors even in Australia can get refunds on their house rents.

The other group exempted are asylum seekers and refugees who at the initial stage can’t work (I wonder how they will pay) until they get their refugee status I will also suggest after refugee status have been granted let ihs also be charged and let’s see again how that will go perhaps that would be seen to be fairer but again how does that comply with international norms and conventions. But for some of us who have been contributing from day 1 till now to always be made to feel we are not contributing our fair share is an insult to our sensibilities especially when we do very little or no visits to the GP.

Goke7:
The exemptions you keep talking about are those who work in the healthcare sector again the maths is simple let the uk govt start charging healthcare workers ihs and let’s see how they will fare and compete with other G7 nations

1. No one is advocating for the waiver to be lifted.

2. I know what the exemptions are and why they were introduced in mid 2020 during the peak of COVID. The govt came under a lot of pressure to do more to support healthcare workers -also including porters, cleaners etc- (beyond us clapping for them every Thursday) because they were literally in the frontline, putting their lives in danger while the rest of the country shielded at home.

3. Prior to 2020 healthcare workers were being charged IHS despite "competition from other G7 nations".

jedisco:
You and how you repeatedly report falsehoods.

The average 25yo Brit in pure financial terms is already an economic negative to the tune of 500k to the government. Many remain in the negative all through their working life. This is a well researched fact.

Conversely, a 25yo migrant on the other hand reaims a net positive lifelong. Their coming is like handing the government a 500k cheque with at least a 6 year insurance. Many even top-up their 500k cheque with over 30k in student fees. You have a full grown working adult who would be on average more healthy than the local populace (true), already educated and ready to work on whom the government has spent nothing.

Take myself as an example. I came to the UK in my late 20's, already educated, healthy and without a criminal record. I went on the work providing services even during Covid and paying higher rate taxes all thru. Only used NHS services once and contributed hugely to the economy (and vice-versa).

The Nigerian society was responsible for my primary education/health e.t.c from birth until my prime. What would it cost the UK government of I was to be replaced by someone local. First, you have to start counting costs from maternity costs/benefits (for the persons mother), healthcare in the young, risk of delinquency e.t.c in teenage years. Then the child has to have good grades and now proceed to uni e.t.c. All that they got on a platter. There is a reason the UK keeps returning to seek migrants.



Another falsehood again. Why not tell us the cost of a night on the ICU or the cost of brain surgery. You should learn how insurance works.

I'd give you another example. A while back, my car was totalled. I got over 12k paid back whereas my annual insurance fee was a little above 600. Do you think my insurance provider was being benevolent or should I go around jubilating on how 'cheap' insurance premiums are? Afterall, the cost of replacing a vehicle or settling law suit could run into hundreds of thousands but yet, they only charge us a smaller sum.

The bottom line here is simple- migrants should fund their healthcare same way everyone else does theirs which is through their taxes.

You've written a lot without actually saying a lot.

You're conflating 2 different things and have completely missed the point of my original post.

1. The discussion was not whether or not a British national is currently a net -ve or +ve relative to a recent migrant. Of course a Brit born and raised would be a -ve starting out. This is true of EVERY nation that invests properly in its young people. Just as you also are/were a net -ve to your home country due to your government subsidising your medical training.

2. The point, dear reader, is that it is a false claim that a recent migrant has paid more into the NHS (by paying the IHS) than his British peer. Using your example - if you came into the UK at e.g 28y/old and assuming you paid £3k IHS for an initial 3 year visa - it is ridiculous to think that this payment matches or exceeds the cumulative contributions of a 28 y/old junior doctor who has been working since he was 23

It's a very simple, obvious fact and no lengthy writeup can change this.

jedisco:
The bottom line here is simple- migrants should fund their healthcare same way everyone else does theirs which is through their taxes.

Erm, the bottom line is that since 2015 the government's position (including the current Labour government) is that it is reasonable for recent migrants to make some level of contribution towards the health service in order to access it in exactly the same way as nationals who have been paying in for years.

Many countries do not give newly arrived migrants comprehensive access to their health service on exactly the same terms as its citizens and residents. The only difference is the model used - most EU countries, AUS etc impose mandatory private insurance fees while the UK has chosen a flat fee model.

You should consider becoming a member of Parliament to effect the changes you desire from within. If "anchor baby" Kemi (as you love to denigrate her) can do it, so can you. Plus you already have nairaland votes to get you started.

jedisco:
I'm not surprised that the term 'Boriswave' and the denigration they've received gives you joy. Do remember that an overwhelming majority would ultimately become Brits like you and me. Sure, they do have their wiki page just like the Windrush boat arrivals do- it's the recurring story of British immigration which you should know.


Like I've said multiple times, I still don't get it.
At what point in the development of some migrant kids does their thinking deviate?
At what point does the child of a Windrush boat arrival start seeing themselves any better than tax-paying folks migrating today? Or is it folks like Kemi who is a product of birth tourism or is it Priti Patel the daughter of refugees? I just don't get it.

To be clear, I don't need/expect them to support migration today. That's an individual decision. However what I don't get is how they see themselves/parents any different from the 'Boriswave'

jedisco:
I'm not surprised that the term 'Boriswave' and the denigration they've received gives you joy. '

Your imagination is usually a lot more active and paranoid- I'm surprised that you didn't also accuse me of creating the Boriswave wiki page 🙄

With your NVQ level 2 in Mind Reading, could you please advise if I also derive "joy" from the term Windrush or from the numerous documentaries, Wikis, books etc about the Windrush generation? Is "Boriswave" a derogatory term but "Windrush" and "anchor baby" are inoffensive? I eagerly await your counsel.

I assume that the questions and musings in the rest of your post are directed at your fanclub lol. As you state, you've repeated these questions multiple times so hopefully you'll receive the response you're looking for soon.

Zahra29:
1. No one is advocating for the waiver to be lifted.

2. I know what the exemptions are and why they were introduced in mid 2020 during the peak of COVID. The govt came under a lot of pressure to do more to support healthcare workers -also including porters, cleaners etc- (beyond us clapping for them every Thursday) because they were literally in the frontline, putting their lives in danger while the rest of the country shielded at home.

3. Prior to 2020 healthcare workers were being charged IHS despite "competition from other G7 nations".

Am tired of the contradictions, let the govt go ahead and charge them now so folks like you stop grumbling and we can rest.

Zahra29:
You've written a lot without actually saying a lot.

You're conflating 2 different things and have completely missed the point of my original post.

1. The discussion was not whether or not a British national is currently a net -ve or +ve relative to a recent migrant. Of course a Brit born and raised would be a -ve starting out. This is true of EVERY nation that invests properly in its young people. Just as you also are/were a net -ve to your home country due to your government subsidising your medical training.

2. The point, dear reader, is that it is a false claim that a recent migrant has paid more into the NHS (by paying the IHS) than his British peer. Using your example - if you came into the UK at e.g 28y/old and assuming you paid £3k IHS for an initial 3 year visa - it is ridiculous to think that this payment matches or exceeds the cumulative contributions of a 28 y/old junior doctor who has been working since he was 23

It's a very simple, obvious fact and no lengthy writeup can change this.



Erm, the bottom line is that since 2015 the government's position (including the current Labour government) is that it is reasonable for recent migrants to make some level of contribution towards the health service in order to access it in exactly the same way as nationals who have been paying in for years.

Many countries do not give newly arrived migrants comprehensive access to their health service on exactly the same terms as its citizens and residents. The only difference is the model used - most EU countries, AUS etc impose mandatory private insurance fees while the UK has chosen a flat fee model.

You should consider becoming a member of Parliament to effect the changes you desire from within. If "anchor baby" Kemi (as you love to denigrate her) can do it, so can you. Plus you already have nairaland votes to get you started.

Your issue is you just want foreigners or migrants to pay more for the healthcare system to continue to subsidise Brits even when they don’t use it as frequent as Brits.

😂 Just keep robbing Peter to pay Paul as quoted from Wikipedia ‘ to take resources from one person or cause to pay off a debt to another, which only shifts the problem without solving it. It generally refers to a short-sighted or ineffective solution that leaves you just as in debt or in trouble as before’

Goke7:
Am tired of the contradictions, let the govt go ahead and charge them now so folks like you stop grumbling and we can rest.

Lol, when attempts at sophistry fail, resort to histrionics 😂

Relax, no one is calling for the waiver to be lifted (well, apart from you), just an acknowledgement that there are broad exemptions, as this fact always appears to be conveniently forgotten.

Zahra29:
Lol, when attempts at sophistry fail, resort to histrionics 😂

Relax, no one is calling for the waiver to be lifted (well, apart from you), just an acknowledgement that there are broad exemptions, as this fact always appears to be conveniently forgotten.

No one forgot you were the one bringing it up as an excuse that many were not paying for ihs as they claim when you indeed knew they reason they were exempted. The question is does it merit it or not? If it does then why is it an issue for you?

Goke7:
Your issue is you just want foreigners or migrants to pay more for the healthcare system to continue to subsidise Brits even when they don’t use it as frequent as Brits.

😂 Just keep robbing Peter to pay Paul as quoted from Wikipedia ‘ to take resources from one person or cause to pay off a debt to another, which only shifts the problem without solving it. It generally refers to a short-sighted or ineffective solution that leaves you just as in debt or in trouble as before’

1. You're a bit confused, healthcare is not like the university sector and (no matter how many times you say it on nairaland) migrants are not subsidising Brits healthcare - when the same Brits have been paying into the system for years and decades.

2. It is a myth that migrants do not use the NHS, especially when you consider that mothers and children make up a large(r) proportion of the migrant population.

3. Lol @ Peter and Paul. Histrionics as always.
You are aware, I hope, that the IHS is only applicable to newly arrived migrants and that settled migrants/residents no longer pay the surcharge?

Goke7:
No one forgot you were the one bringing it up as an excuse that many were not paying for ihs as they claim when you indeed knew they reason they were exempted. The question is does it merit it or not? If it does then why is it an issue for you?

The above isn't very coherent, what exactly are you asking me?

📢

This is a landmark case that is likely to pave the way for further lawsuits against care agencies and companies that defrauded migrants looking for work.

Very good news as the majority of these companies have hitherto escaped any real justice.

If you know anyone that was affected e.g. promised work that failed to materialise (even if they paid for the CoS), encourage them to explore legal action, and even better if they can collaborate with others to bring a joint case against the care company.

https://www.theguardian.com/law/2026/may/31/indian-citizen-post-brexit-visa-scheme-employment-tribunal-uk

Zahra29:
1. You're a bit confused, healthcare is not like the university sector and (no matter how many times you say it on nairaland) migrants are not subsidising Brits healthcare - when the same Brits have been paying into the system for years and decades.

2. It is a myth that migrants do not use the NHS, especially when you consider that mothers and children make up a large(r) proportion of the migrant population.

3. Lol @ Peter and Paul. Histrionics as always.
You are aware, I hope, that the IHS is only applicable to newly arrived migrants and that settled migrants/residents no longer pay the surcharge?

Newly arrived migrants as how? The shortest time on the average migrants get settled is 5 years that’s if they came in straight as skilled workers o or as spouses of citizens but for some folks and so many it took some 2 or 3 years to become skilled workers after initial temporary visas like student visas or what have you so for these group they pay ihs as much as 10 years before they finally become settled. Not forgetting income taxes which also funds the nhs. I know narratives like this won’t suit you but please perish that thought of newly arrived migrants as if they get settled status after a year or two.

Zahra29:
The above isn't very coherent, what exactly are you asking me?

Aunty don’t divert I didn’t even put you in any corner! Am even enjoying the conversation so free me jor

Zahra29:
You've written a lot without actually saying a lot.

You're conflating 2 different things and have completely missed the point of my original post.

1. The discussion was not whether or not a British national is currently a net -ve or +ve relative to a recent migrant. Of course a Brit born and raised would be a -ve starting out. This is true of EVERY nation that invests properly in its young people. Just as you also are/were a net -ve to your home country due to your government subsidising your medical training.

2. The point, dear reader, is that it is a false claim that a recent migrant has paid more into the NHS (by paying the IHS) than his British peer. Using your example - if you came into the UK at e.g 28y/old and assuming you paid £3k IHS for an initial 3 year visa - it is ridiculous to think that this payment matches or exceeds the cumulative contributions of a 28 y/old junior doctor who has been working since he was 23

It's a very simple, obvious fact and no lengthy writeup can change this.



Erm, the bottom line is that since 2015 the government's position (including the current Labour government) is that it is reasonable for recent migrants to make some level of contribution towards the health service in order to access it in exactly the same way as nationals who have been paying in for years.

Many countries do not give newly arrived migrants comprehensive access to their health service on exactly the same terms as its citizens and residents. The only difference is the model used - most EU countries, AUS etc impose mandatory private insurance fees while the UK has chosen a flat fee model.

You should consider becoming a member of Parliament to effect the changes you desire from within. If "anchor baby" Kemi (as you love to denigrate her) can do it, so can you. Plus you already have nairaland votes to get you started.

NL votes lol

ehizario2012:
I'm really interested in this topic because I've been contemplating stopping my NHS pension. Is paying NI not enough? That extra 8.5% is somehow jare! Many immigrants in my trust have opted out but I'm still unsure 🤔

Sometimes, people don't give the full gist based on context, there was one time someone was advocating opting out, when asked why, he said he needs the money and will join back after three months. Imagine opting out with such person blindly.

If your total pension contribution is £150 for instance, if you opt out, you will only get about £90 back because you will lose the employer contribution and tax relief.

Ask yourself is there something you are not able to do now that is only when you opt out you'll be able to do it?

Zahra29:
You've written a lot without actually saying a lot.

You're conflating 2 different things and have completely missed the point of my original post.

1. The discussion was not whether or not a British national is currently a net -ve or +ve relative to a recent migrant. Of course a Brit born and raised would be a -ve starting out. This is true of EVERY nation that invests properly in its young people. Just as you also are/were a net -ve to your home country due to your government subsidising your medical training.

2. The point, dear reader, is that it is a false claim that a recent migrant has paid more into the NHS (by paying the IHS) than his British peer. Using your example - if you came into the UK at e.g 28y/old and assuming you paid £3k IHS for an initial 3 year visa - it is ridiculous to think that this payment matches or exceeds the cumulative contributions of a 28 y/old junior doctor who has been working since he was 23

It's a very simple, obvious fact and no lengthy writeup can change this.

...

I pondered explaining what 'net' means but thought to myself - there's no point engaging this.

You've been active on this thread for several years but only spring to life when it's time to denigrate Nigerians or to tell us not to complain when being treated badly as afterall 'Saudi Arabia does xyz'

When folks discuss pensions, mortgages, ISAs, investing, businesses, jobs e.t.c it's all crickets from your likes. Even when I asked you personally for pension advise, it was
For someone who claims to be British, your telling lack of input on matters that actually count is glaring. I wonder what you'd move to as most here go on to secure their permanent stay. The next set of migrants perhaps

I hope this thread can get past these shenanigans.

I remember when the mainstay of discussions here were solely focused on how to pass a driving test or improve ones credit score and folks got upset when discussions deviated from that. Today, while those are still important, we have moved to a broader array of topics. Where we were then was what gave certain voices the room to thrive. Now, we have the mortgage thread with an increasing number getting on the mortgage ladder.

Like I said before, it takes a significant level of underachievment for one to see their life satisfaction from a piece of kpali to the extent of hoping around denigrating others. Experience tells me most of these folks are probably living off benefits paid for by working members of the society. There's lots of wealth to be made in the UK with new evolving pathways and vacant businesses as older folks retire. Those old enough should at least be able to share experiences.

I remember gulping on Ticha's mussings about her experience in NZ where she went to work as a teacher. She also discussed how she put her UK home on AirBnB while there- an idea that came to mind when I moved. If not mistaken, she also posted pics of a house they bought and how they went about renovating it- too bad, she didn't continue this as I was deeply interested and did something similar. All said, I am quite certain that certain narratives will dissipate with time

jedisco:
I hope this thread can get past these shenanigans.

I remember when the mainstay of discussions here were solely focused on how to pass a driving test or improve ones credit score and folks got upset when discussions deviated from that. Today, while those are still important, we have moved to a broader array of topics. Where we were then was what gave certain voices the room to thrive. Now, we have the mortgage thread with an increasing number getting on the mortgage ladder.

Like I said before, it takes a significant level of underachievment for one to see their life satisfaction from a piece of kpali to the extent of hoping around denigrating others. Experience tells me most of these folks are probably living off benefits paid for by working members of the society. There's lots of wealth to be made in the UK with new evolving pathways and vacant businesses as older folks retire. Those old enough should at least be able to share experiences.

I remember gulping on Ticha's mussings about her experience in NZ where she went to work as a teacher. She also discussed how she put her UK home on AirBnB while there- an idea that came to mind when I moved. If not mistaken, she also posted pics of a house they bought and how they went about renovating it- too bad, she didn't continue this as I was deeply interested and did something similar. All said, I am quite certain that certain narratives will dissipate with time

The fact that other threads have been created out of here is a testament to the success of this thread and that’s what matters.

It’s good to still have dissenters here so we have a feel of what it’s like from those on the other side and how they truly feel about whatever. This thread still serves lots of purposes just look at the pension conversation and am sure so many have been further enlightened about it. So many questions still come up here and get answered. Let’s not be swayed by those who tend to denigrate others that’s the current world we live in.

About those vacant businesses I tend to hear more about this from North America, don’t know usually hear almost anything from the uk and I know it exists just that info about them are almost non existent, what I hear more are Amazon delivery services (where you can operate a branded fleet) franchises and so on. Will be nice to know how buying vacant businesses in the uk works.

jedisco:
I pondered explaining what 'net' means but thought to myself - there's no point engaging this.

You've been active on this thread for several years but only spring to life when it's time to denigrate Nigerians or to tell us not to complain when being treated badly as afterall 'Saudi Arabia does xyz'

When folks discuss pensions, mortgages, ISAs, investing, businesses, jobs e.t.c it's all crickets from your likes. Even when I asked you personally for pension advise, it was
For someone who claims to be British, your telling lack of input on matters that actually count is glaring. I wonder what you'd move to as most here go on to secure their permanent stay. The next set of migrants perhaps

Yup. That's literally the core of their purpose here and the kind of thing that unfailingly brings them out of the woodwork.

For me, the most telling part was them making light of and indirectly but very clearly justifying the racist violent attacks on people in the riots a couple years ago.

There's no coming back from that in my view. As you say, it's really pointless going back and forth with someone whose agenda is so clearly negative in respect of the people here.

More broadly even, I don't see the point of debating these things anymore whether offline or online. The riots were a massive wake up call for me and I have made adjustments to various aspects of my life and plans for my family based on the realizations I came to as a result of it. The UK is where I have come to work (and paid heavily for the chance too, so not like the country did me a favour or took pity on me in letting me in) and make money like a literal workplace where I earn my salary in the same way the government is saying we should earn settlement (as if it was automatic before). It's not a new family or home or any other soppy nonsense.

I wonder whether they've even given any thought to the impact of the constant negative rhetoric on immigrants' morale because it seems like denigrating immigrants of all stripes is a new Olympic sport where you get points by how much you can show that you're only tolerating them and will make life as difficult as possible for them if given power.

In any case, they can change the laws as they want (same as your workplace can introduce new policies) and I'll respond accordingly but ultimately whether I stay or leave the calculus is clear that the only thing to do is show up, deliver your expertise, collect your compensation, and maximize your financial vehicles; your pension, your ISAs, your investments etc. to secure your family's future.

Arguing with the Zahras of this world is a waste of energy.

jedisco:
I hope this thread can get past these shenanigans.

I remember when the mainstay of discussions here were solely focused on how to pass a driving test or improve ones credit score and folks got upset when discussions deviated from that. Today, while those are still important, we have moved to a broader array of topics. Where we were then was what gave certain voices the room to thrive. Now, we have the mortgage thread with an increasing number getting on the mortgage ladder.

Like I said before, it takes a significant level of underachievment for one to see their life satisfaction from a piece of kpali to the extent of hoping around denigrating others. Experience tells me most of these folks are probably living off benefits paid for by working members of the society. There's lots of wealth to be made in the UK with new evolving pathways and vacant businesses as older folks retire. Those old enough should at least be able to share experiences.

I remember gulping on Ticha's mussings about her experience in NZ where she went to work as a teacher. She also discussed how she put her UK home on AirBnB while there- an idea that came to mind when I moved. If not mistaken, she also posted pics of a house they bought and how they went about renovating it- too bad, she didn't continue this as I was deeply interested and did something similar. All said, I am quite certain that certain narratives will dissipate with time

Ticha is a great soul.

jedisco:
I pondered explaining what 'net' means but thought to myself - there's no point engaging this.

You've been active on this thread for several years but only spring to life when it's time to denigrate Nigerians or to tell us not to complain when being treated badly as afterall 'Saudi Arabia does xyz'

When folks discuss pensions, mortgages, ISAs, investing, businesses, jobs e.t.c it's all crickets from your likes. Even when I asked you personally for pension advise, it was
For someone who claims to be British, your telling lack of input on matters that actually count is glaring. I wonder what you'd move to as most here go on to secure their permanent stay. The next set of migrants perhaps

When sophistry fails, switch to ad
hominem. Lol

jedisco:
You've been active on this thread for several years but only spring to life when it's time to denigrate Nigerians or to tell us not to complain when being treated badly as afterall 'Saudi Arabia does xyz'

I don't owe YOU any explanation, but I'll come down to your level for a bit.

I used to be a silent reader when there were lots more intelligent and insightful contributors like @ThatGuyfromHR and Aphrodite.

Unfortunately they stopped commenting, and others like Duchess, and I felt I had to become "active" to counter the increasing levels of misinformation and entitlement (from the likes of you) that started to go unchallenged and uncorrected.

I cannot count the number of times I have "sprung to life" to provide information and clarity on immigration issues, especially when there were major and frequent changes to the immigration rules. You have no idea how many DMs I have received and people I have tried to help outside this platform.

I have discussed mortgages/ buying a home, jobs on this thread/platform. This week I shared an article about a landmark case where an Indian care worker won a handsome payout from his former care employer and I encouraged anyone affected to explore legal action against scam care agencies as a precedent has now been set.

I choose not to participate in pensions ,investing because I think this is a personal and sensitive area.

When the thread was more active, I used to participate in casual convos/"gists" including politics. I have passed on various hacks and product recommendations. I have disagreed with people but still had a pleasant relationship with them e.g. Cyberknight. I have always tried to be polite, even in disagreements, and I have never cussed anyone out.

However, due to "Zahra Derangement Syndrome" or ZDS, which you sadly appear to suffer acutely from, you do/will not see any of these positives . Your dislike of me has clouded your judgement and objectivity and whenever you've engaged with me (e.g. pretending to ask for pension/house advice or pretending to care about my heritage while desperate to label me an anchor baby whose parents came over by boat), it has always been with the thinly veiled intent to attack me or show off/"oppress" 🙄.
I ain't got time for that Mister 😂

jedisco:
For someone who claims to be British

LOL 😂 . I do beg your pardon.

jedisco:
I wonder what you'd move to

Aww, is this your way of inviting me to the Canadian thread? 😊

Please try to rest from all this "wondering" so you can recover from ZDS.

Goodenoch:
Arguing with the Zahras of this world is a waste of energy.

Not all Zahras though, e.g. you would get on great with Zarah Sultana, co-founder of Your Party with Jeremy Corbyn.

Life insurance is so so important..... If you love your family and don't want them to rely on Go fund me........
Get a LIFE INSURANCE POLICY TODAY.........

jedisco:
You and how you repeatedly report falsehoods.

The average 25yo Brit in pure financial terms is already an economic negative to the tune of 500k to the government. Many remain in the negative all through their working life. This is a well researched fact.

...

Zahra29 is a dangerous person, and unfortunately, our community has many of them.
Imagine making someone like the voice of people like us because they look like us. They'd make life hellish for people starting out in the same system that was favourable to them. Thank God man no be God.

directonpc:
Zahra29 is a dangerous person, and unfortunately, our community has many of them.
Imagine making someone like the voice of people like us because they look like us. They'd make life hellish for people starting out in the same system that was favourable to them. Thank God man no be God.

I think dangerous is too harsh. She has helped in some ways even if i may not agree with her on some topics