₦airaland Forum

justwise:
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Yup...the living gets richer the moment you are 6fit down under...basically you dying is someone's prayer point ....

Lol... your pikin kwa. Moreso something that can have a term limit.

There's no convincing you on this. Insurance no go chop your money

jedisco:
Lol... your pikin kwa. Moreso something that can have a term limit.

There's no convincing you on this. Insurance no go chop your money

lol.. no comment

jedisco:
Lets see it this way.
Before you exit, try and do it from a position of knowledge i.e, try and appreciate the full advantages and why it's called a 'gold plated' pension. If after that, you still want to leave, then no ish.

Oh dear! The effect of recent events as regards visa rules are far-reaching.

Very true I even hear of redundancies in the nhs these days so it’s easy to see the frustration. Imagine getting redundant and you’re on a skilled worker visa as an nhs staff.

jedisco:
Lets see it this way.
Before you exit, try and do it from a position of knowledge i.e, try and appreciate the full advantages and why it's called a 'gold plated' pension. If after that, you still want to leave, then no ish.

Try not to look at it from the Nigerian lens. The life expectancy in Nigeria is still in the mid-50's and retirement planning is far from robust. It's something we hardly did. Govt workers back home strike so that their retirement age can be increased. Some even go underhanded to achieve it. That's the opposite of what you have in the west where riots happen when a year or two is added to the retirement age.

It'd likely get to 70 by the time you retire. The retirement age rises as people live longer so it's not bad in itself. It seems far in the future but you'd most likely get there. Question is what are your plans when you do? If you want to retire early, there's the option of a SIPP which can kick in 10 yrs before state pension i.e 57yrs today. Before then, you can use an ISA if say 50 is your target. But I'd flip it and say that if looking to retire early, the NHS pension is not one to miss. It's practically what keeps many working in the NHS.



Oh dear! The effect of recent events as regards visa rules are far-reaching.

Thank you, I appreciate it. I'm still leaving it on for now, the additional income would be about £166 max monthly... So I don't think it's worth opting because of that amount sha.

The immigration situation has indeed made a lot of guys opt out o. Infact some stopped mortgage applications midway, we that obtained mortgage last year na God hand we dey.

The uncertainty is indeed altering people's decisions these days

Viruses:
My candid advice.

Stop chasing money, give money a chance to chase you. See this care work you are currently doing as the side hustle. Cut down on the shifts and use the spare time to get yourself ready for the main hustle by developing a valuable skill with potential for growth.

Getting paid £20/hr and working 1hr is better than getting paid £10/hr working 2hrs.

what kind of skills can one go into ? im also tired 😢

jedisco:
Was it on this basis you opted out?

Its one of few reasons.

I still have a while to reconsider if i will jump back in, as i understand, it resets after 2-3 years.

dimejalex:
what kind of skills can one go into ? im also tired 😢

People make blanket statements like that without considering individual circumstances or how those circumstances align with the realities of living and working in the UK. Unless you are a dependent (even some still do) or you have your ILR, its near impossible to just look at the care role from the spectrum of a side hustle. Many people go into care work because it offers the flexibility they need to balance their jobs with family responsibilities. Beyond that, it’s one of the few industries that reliably provides a pathway to remain in the country. Most well‑paid roles don’t offer visa sponsorship, even some positions within the NHS prefer to hire people who already have settled status. A lot of Nigerians have varying skillsets, but the many factors in the country are limiting. It is what it is!!!

Mcleo007:
People make blanket statements like that without considering individual circumstances or how those circumstances align with the realities of living and working in the UK. Unless you are a dependent (even some still do) or you have your ILR, its near impossible to just look at the care role from the spectrum of a side hustle. Many people go into care work because it offers the flexibility they need to balance their jobs with family responsibilities. Beyond that, it’s one of the few industries that reliably provides a pathway to remain in the country. Most well‑paid roles don’t offer visa sponsorship, even some positions within the NHS prefer to hire people who already have settled status. A lot of Nigerians have varying skillsets, but the many factors in the country are limiting. It is what it is!!!

Most well paid roles don't offer sponsorship? Really? Don't you think it's the other way round?

ehizario2012:
Thank you, I appreciate it. I'm still leaving it on for now, the additional income would be about £166 max monthly... So I don't think it's worth opting because of that amount sha.

The immigration situation has indeed made a lot of guys opt out o. Infact some stopped mortgage applications midway, we that obtained mortgage last year na God hand we dey.

The uncertainty is indeed altering people's decisions these days

Just remain. In 20yrs time, you should be smiling. Same with the mortgage. Congrats on that.

The mortgage one is tricky and very easy to push forward and before one knows, they've been paying rent in same area for 5 yrs. I also fell into same trap. First, it was Brexit and folks said prices would fall. I did my calculation and felt I wouldn't miss out on much. Then covid came and I pushed it forward thinking I'd not be in that area for more than 3 yrs. Before I knew it, prices were up by over 50k. I've come to see that before buying, it always looks like it's a bad time to buy. If one isn't sure they'd be leaving in less than 3 yrs, and they've had some stability, it's manytimes better to buy irrespective of what some social media financial analysts would say.

The key is buying a good property in a nice area. This is the fine line difficult to get right. In the hurry to buy, it's easy to pick up any property forgetting that one day, one would need to sell and things that make a property sought after hardly change.
Its sad that the uncertainty pushes migrants into questionable financial decisions which wouldn't help them or the nation at large.

Mcleo007:
Its one of few reasons.

I still have a while to reconsider if i will jump back in, as i understand, it resets after 2-3 years.

Hopefully, you get back in.

Pensions are very difficult to beat when it comes to saving for retirement and the NHS pension is the cherry on the cake for most people. It's mainly a few very high earners or some GP partners (who are responsible for paying both the employee and employer part of their NHS contributions) that may theorically come out better with SIPPs. I know a few people who have largely moved on from active healthcare roles or semi-retired but still do a handful of shifts every year solely to maintain their NHS pension annual uplift.

Goke7:
Very true I even hear of redundancies in the nhs these days so it’s easy to see the frustration. Imagine getting redundant and you’re on a skilled worker visa as an nhs staff.

Lot's of uncertainty.
It's even better for NHS staff as their better protected. Also, with NHS experience, it's easier for them to get another role within the NHS if the look far and wide.
Hopefully, the economy doesn't keep getting worse as that would only lead to more redundancies

Mcleo007:
Its one of few reasons.

I still have a while to reconsider if i will jump back in, as i understand, it resets after 2-3 years.

Have you been investing all the money you 'saved' by not contributing to your pension?

Goodenoch:
Have you been investing all the money you 'saved' by not contributing to your pension?

You already know the answer, to this question...... Not forgetting missing out on employers contributions....... 😅😂

Good day, I work with an health company which pays half of transportation to and fro client's homes. We started as Dom and now support but do so with those that don't drive. Suddenly since April, the finance staff has started claiming some bus tickets will not be paid. She said the bus ticket should ONLY show exact time i leave the client's house and time i leave home. She is dragging on paying the previous transportation expenses claiming invalid. The company did not send her to do this inquisitiveness cos i engaged the manager and he claimed to look into it. But seems the finance officer has no control and independent. She mentioned that since the location to the clients place is a bit more than 2 miles, that should be trekked. I guess that is the reason she is frustrating to reimburse the tickets purchased. Please how do some one respond or handle her in order to process the pending expenses since March, 2026 till date. The pending payment is taking toll on me. All my previous tickets purchased for a very far distance and at different countys have not been paid giving different excuses and challenging them as well. How do I handle her case to get the money paid.

https://www.instagram.com/reel/DZm7tHFt1Lc/

People who justify or try to explain away racist violence and terrorism are no different from the perpetrators in the street. Beware of them wherever you meet them, whether online or offline.

Goodenoch:
https://www.instagram.com/reel/DZm7tHFt1Lc/

People who justify or try to explain away racist violence and terrorism are no different from the perpetrators in the street. Beware of them wherever you meet them, whether online or offline.

They would do more if they had the chance.

Rerin:
Good day, I work with an health company which pays half of transportation to and fro client's homes. We started as Dom and now support but do so with those that don't drive. Suddenly since April, the finance staff has started claiming some bus tickets will not be paid. She said the bus ticket should ONLY show exact time i leave the client's house and time i leave home. She is dragging on paying the previous transportation expenses claiming invalid. The company did not send her to do this inquisitiveness cos i engaged the manager and he claimed to look into it. But seems the finance officer has no control and independent. She mentioned that since the location to the clients place is a bit more than 2 miles, that should be trekked. I guess that is the reason she is frustrating to reimburse the tickets purchased. Please how do some one respond or handle her in order to process the pending expenses since March, 2026 till date. The pending payment is taking toll on me. All my previous tickets purchased for a very far distance and at different countys have not been paid giving different excuses and challenging them as well. How do I handle her case to get the money paid.

Regarding your manager, what are they saying?

Sometimes, stuff like this can be sorted by a clear and strong worded email. What is she hinging on to make those changes? Is there a contact to fall back on? You could tell the finance officer that you disagree with her assessment and any change should definitely not be backdated. If there is no basis for her argument and she's unwilling to move ground, no harm asking your manager, her or HR how to escalate it.

Goodenoch:
https://www.instagram.com/reel/DZm7tHFt1Lc/

People who justify or try to explain away racist violence and terrorism are no different from the perpetrators in the street. Beware of them wherever you meet them, whether online or offline.

Love how he deconstructed the popular dog whistle aka 'legitimate concerns'.

Finally, the pitchforks are out. Rich folks telling everyday folks the reason the reason they're struggling is cos of the brown person next door and everyday folks up in arms seeking 'justice'

Rerin:
Good day, I work with an health company which pays half of transportation to and fro client's homes. We started as Dom and now support but do so with those that don't drive. Suddenly since April, the finance staff has started claiming some bus tickets will not be paid. She said the bus ticket should ONLY show exact time i leave the client's house and time i leave home. She is dragging on paying the previous transportation expenses claiming invalid. The company did not send her to do this inquisitiveness cos i engaged the manager and he claimed to look into it. But seems the finance officer has no control and independent. She mentioned that since the location to the clients place is a bit more than 2 miles, that should be trekked. I guess that is the reason she is frustrating to reimburse the tickets purchased. Please how do some one respond or handle her in order to process the pending expenses since March, 2026 till date. The pending payment is taking toll on me. All my previous tickets purchased for a very far distance and at different countys have not been paid giving different excuses and challenging them as well. How do I handle her case to get the money paid.

1. Have you checked your office policy document about reimbursement of transport expense? Confirm what is specifically allowed or disallowed. It is reasonable for finance to question what may appear to be unreasonable spending or wastage but should not make a decision on operational issues e.g you should take or not take a bus to a location. Totally none of his/her business. That should be the call of your managers. If finance sees it as wasteful, they can check with your managers.

2. If you claim is in line with the office policy and has your managers approval, speak to your manager letting them take the lead in querying finances reluctance to pay (safer option) or directly ask finance why your expenses which have been validly incurred in line with policy and approved remains unpaid (chance it leads down an escalatory path).

Starmers removal now seems set. The merry-go-round of British politics continues.


He is a pragmatic keader devoid of the usual scandals the like of Boris brought. My grouse was that he leaned too far right to placate folks who'd never vote for him. I didn't vote Labour but appreciate his qualities.
I also expected that if given enough time, the popularity of Reform would have waned as they took over some councils. The next election is 3yrs in and that's alot of time.

On the other hand, the thinking of MPs would be to step in before it's too late. I still think the right wing media and parties have egged this on so as to throw Labour into a Tory-esque confused state that'd certainly lead to their demise.

Lets see if Burham performs magic or 'communicates better as nothing short of that would spell disaster.

Meloni...Trump..
Hehe

This mans shenanigans abd strong support from some Christian communities has got me thinking more of late about religion.

jedisco:
Meloni...Trump..
Hehe

This mans shenanigans abd strong support from some Christian communities has got me thinking more of late about religion.

Lol, what it has got me thinking about is how some people can see someone (or groups) behaving abusively toward others and rationalise, excuse and sometimes even outright support it until the abuser(s) turn to them and then they're like 'oh that is terrible behaviour!' when in reality what they mean is 'I never expected to experience this MYSELF'.

Drumpf has always been a liar and an abuser (verbally, online and physically). Meloni has always known that yet she has always cosied up to him and now she's acting shocked.

There's a Reddit sub I frequent that catalogues instances of this sort of behaviour (and Drumpf in particular has provided lots of content for us there). Highhly recommend it; it always has laughs : https://www.reddit.com/r/LeopardsAteMyFace/

Goodenoch:
Lol, what it has got me thinking about is how some people can see someone (or groups) behaving abusively toward others and rationalise, excuse and sometimes even outright support it until the abuser(s) turn to them and then they're like 'oh that is terrible behaviour!' when in reality what they mean is 'I never expected to experience this MYSELF'.

Drumpf has always been a liar and an abuser (verbally, online and physically). Meloni has always known that yet she has always cosied up to him and now she's acting shocked.

There's a Reddit sub I frequent that catalogues instances of this sort of behaviour (and Drumpf in particular has provided lots of content for us there). Highhly recommend it; it always has laughs : https://www.reddit.com/r/LeopardsAteMyFace/

😂 don’t mind her, just like others it’s when they have a common enemy they can easily attack like vulnerable migrants or minorities they are together but the moment Trump turn on them personally or attack their own territory they suddenly remember who he is.

Her problem started when Trump attacked the Pope who resides in the Vatican, that was when it finally hit home for her.

jedisco:
Meloni...Trump..
Hehe

This mans shenanigans abd strong support from some Christian communities has got me thinking more of late about religion.

Christians too supported hitler back in the day and also the slave trade in the ancient past. You’ll always have them like that while others will condemn such. At the end it’s not about the religion but the individuals themselves and what they personally believe in.

And as for Starmer it was always a question of when finally. Populism can be terrible and can never be the major instrument for governance or political aspirations. A time comes you need to get more serious and face the reality of governance. Since Brexit populism has continued to be used majorly in uk politics and the wealthy with their money continues to weaponise it against the interests of the society. When it will stop I don’t know but looks the uk may continue to change pms every market day if more serious things are not brought to the fore in the polity.

Another one bites the dust.
Like Nigeria APC in 2014/2015; Like UK Labour Party (2024).

Promise heaven during the political campaigns… unleash hell (ish) on the voters.

ReesheesuKnack:
Another one bites the dust.
Like Nigeria APC in 2014/2015; Like UK Labour Party (2024).

Promise heaven during the political campaigns… unleash hell (ish) on the voters.

I wont blame Starmer totally

He is in a very difficult situation

Goke7:
Christians too supported hitler back in the day and also the slave trade in the ancient past. You’ll always have them like that while others will condemn such. At the end it’s not about the religion but the individuals themselves and what they personally believe in.

And as for Starmer it was always a question of when finally. Populism can be terrible and can never be the major instrument for governance or political aspirations. A time comes you need to get more serious and face the reality of governance. Since Brexit populism has continued to be used majorly in uk politics and the wealthy with their money continues to weaponise it against the interests of the society. When it will stop I don’t know but looks the uk may continue to change pms every market day if more serious things are not brought to the fore in the polity.

Very well said

ReesheesuKnack:
Another one bites the dust.
Like Nigeria APC in 2014/2015; Like UK Labour Party (2024).

Promise heaven during the political campaigns… unleash hell (ish) on the voters.

What could he have done differently? Nothing in my opinion the vast majority which are white are leaning towards the right aided by farage and Tommy Robinson. It’s inevitable the majority and whoever controls the media ie Twitter will decide who gets elected.

You can now use monzo to send money to naija.
I Just hope lemfi et al can withstand the competition.

Watching closely. Finance guru what do you think?

Hi guys, I need your advice.

If I invest in Treasury Bills in Nigeria, would HMRC tax any profit or interest I make from them?

I understand that Nigeria is a member of the Multilateral Convention on Mutual Administrative Assistance in Tax Matters, which allows member countries to share financial and tax-related information, so that foreign income and profits can be tracked and taxed appropriately.

Why Are Today’s Politicians Such Lightweights? Why Are They Sooooo Bad?

Nigel Farage finally did a media round yesterday and it was a series of car-crash interviews. Not one, not two, but five disaster classes (GMB, TalkTV, LBC, and two separate ones on BBC). They all had one thing in common: £5m bung waffling!

When the subject of the £5m “gift” came up, he obfuscated, tried to muddy the waters, became defensive, and eventually went on the attack. At one point he even asked interviewers why they didn’t donate their salaries to charity or why the live in £4m mansions in north London…like it was the same thing 😂

One bad interview I can understand. But why would his media team let him repeat the same mistakes in interview after interview? If he’s not surrounded by yes-men in an echo chamber, why didn’t they immediately course-correct and stick to: “It’s been investigated by parliamentary standards and I can’t comment further”? Why keep digging? “I can spend it on Ferraris” he said at one point 😂

Which brings me to the bigger point. He’s leading in all the polls (avg 30%). Head and shoulders above the other 4 leading parties. And this is the best the Uk can offer? Kemi Badenoch looks weak too (but best of a bad bunch). Don’t get me started on Ed Davey or Zack Polanski.

It’s no wonder Labour are so delighted that Andy Burnham has emerged as his apparent kryptonite.

But I don’t think Burnham “King of the North”, is a significant improvement on tepid Keir Starmer, “King of the U-turns”.

What’s happening though? Is social media demystifying politicians? Is the 24/7 media cycle, where one bad clip goes viral instantly, exposing everyone’s weaknesses? Even Rishi Sunak, who is arguably more cerebral than most of them, had plenty of poor moments.

The only major politician I currently look at and think is genuinely competent is PM Carney of Canada. The rest increasingly strike me as charlatans.

Ps- let’s not go across the pond or back home to Naija. Inept leaders everywhere 💦

dejol88:
Hi guys, I need your advice.

If I invest in Treasury Bills in Nigeria, would HMRC tax any profit or interest I make from them?

I understand that Nigeria is a member of the Multilateral Convention on Mutual Administrative Assistance in Tax Matters, which allows member countries to share financial and tax-related information, so that foreign income and profits can be tracked and taxed appropriately.

Except you want to do a saint and tell them about it. I invested in my country and pay withholding tax there. I have sukuk giving me 10 million per annum and never bother to declare it in the uk.