u/Opposite-Writer9715

Feels like i have all my money in one index funds but so far happy with the results.

Invested in April 2026

So far up £32.5k

I have over 300k in.

I am glad I did not follow the wrong advice of someone who was trying to get me to invest in a start up, was telling me about the tax scheme available for losses etc.

I don't like excessive risk, i am OK with index funds don't want excessive risk that would lead to regrets and losing money in this economy.

One lives and learn. The ability to filter out noise is so important also nowadays.

The current system is unfair in my opinion.

If you have property in your personal name feels like purnishment because those with limited company can claim 100% interest whereas in your personal name only 20%.

Also to move to limited company incurs stamp duty and capital gains tax.

The current system is so unfair especially if one is a higher rate taxpayer.

Hi All,

I have recieved a letter from HMRC asking for documents, i own rental properties.

They are asking for breakdown of repairs, mortgage statement, service charge etc.

2020,2021 amd 2022

I can get the mortgage statement, service charge but struggling with the repairs, my paperwork have not been the best and a lot going on don't even have the paperwork.

What can i do please I am stressing out and the deadline is getting near.

People saying they don't support England because of the past but the rest aren't any better.

France and Spain absolutely colonised and enslaved Black people across Africa and the Caribbean. Argentina didn’t colonise Black nations but it erased its own Afro Argentine population through whitening policies, census manipulation and racism that still shapes attitudes today. That’s why some Black people side eye Argentina, colonisers didn’t just exist abroad, some countries erased Blackness at home.

Seems they are all bad then.

https://preview.redd.it/gq7ufbd0r7dh1.png?width=816&format=png&auto=webp&s=d527ded497b3df30245a1c2dd7a3575b6acc703c

Shocking

https://preview.redd.it/din53vx333dh1.png?width=737&format=png&auto=webp&s=5b213aace71feb0fd985df2b1f4e01e1c6bfa102

Tinubu’s reforms made Nigerians poorer through subsidy removal, FX unification, tax hikes, and tariff increases but the hardship is worse because Nigeria’s politics is built on tribe and religion, which block fair policy, fair distribution, and national unity.

All those changes now saying celebrities should offer handouts, Nigeria is a joke no security, no 24/7 electricity in 2026.

No African country has ever won the FIFA World Cup.

Why Africa hasn’t won yet?

Investment gaps, Less funding for youth academies, facilities, and long term development.

Talent drain, Many top African players develop abroad, strengthening other nation's systems.

Governance issues, Football federations often face instability, politics, and inconsistent planning.

Infrastructure, Limited access to elite training environments compared to Europe/South America.

Competitive continuity, Nations that win tend to have decades of stable football culture, coaching, and investment.

Nigerian stocks are outperforming globally, but let’s be honest: the average Nigerian doesn’t have excess cash to invest. High returns mean nothing when people are fighting inflation, unstable income and basic survival. Market growth isn’t the same as financial inclusion.

I get it is good news for some but hmmmm

If your definition of macro stability excludes FX collapse, 30–40% inflation, revenue crisis, debt stress, and shrinking real output, then maybe we’re looking at different data.

Exchange rate, the clearest sign of macro instability
Naira has undergone one of the fastest depreciations in modern EM history.

FX liquidity remains thin; parallel‑market spreads show persistent dysfunction.

Businesses are pricing weekly because FX volatility destroys planning.

Inflation, 30%+ headline, 40%+ food
Food inflation at crisis levels, this alone is a macro red flag.

Real wages have collapsed, consumption is shrinking.

High inflation + currency depreciation = classic macro disequilibrium.

Debt servicing, revenue can’t keep up
Debt service to revenue ratio has repeatedly breached 70–90% in recent years.

Government is borrowing to fund recurrent expenditure.

This is textbook macro stress.

Oil production, still below capacity
Nigeria is producing far below its OPEC quota.

Theft, pipeline issues, and underinvestment mean oil revenue is unstable.

Without oil stability, Nigeria’s macro base is shaky.

GDP & real sector contraction
Manufacturing PMI has been in contraction territory.

Businesses are shutting down or relocating due to FX and energy costs.

Real GDP growth is below population growth, meaning Nigerians are getting poorer.

Poverty & insecurity, macro consequences, not side issues
Over 100 million people in multidimensional poverty.

Insecurity disrupts agriculture, logistics, investment, and productivity.

You cannot claim macros are fine when insecurity is directly shrinking output.

Children from ambassadors college and Gonzaga Jesuit college also got gold. Alex Onyia's 3 children also got gold.

Very impressive.

Imagine the people who have such brilliance but did not get the opportunity to shine.

https://preview.redd.it/j5u2kosff7ch1.png?width=1146&format=png&auto=webp&s=35c3b98dc4ed00cc697b2a2adb2871b95c31dda5

https://preview.redd.it/dhr957saf7ch1.png?width=1422&format=png&auto=webp&s=05ca02a392615e026645dc6794002e5e8bb0b2aa

https://preview.redd.it/0afhr7e803ch1.png?width=576&format=png&auto=webp&s=f9f18698241b911e9bbec1d4fa5cf5858ccd299e

Canada 🇨🇦 PR is a better option if you can from Nigeria. Many are having to move from the UK to Canada currently. Would not advise people to come to the UK on student visa currently. Global talent, work visa etc better. Many are finishing their studies, getting post study visa and having to return because they were unable to get sponsorship.

https://www.youtube.com/watch?v=NqUAXmlJF2k

https://assets.publishing.service.gov.uk/media/691edda450b16caf978153d8/Command_Paper_final_-_reviewed7.pdf

Top 5 student visa applications

People are desperately trying to leave Nigeria by any means. The system has pushed people to the point where escape feels like the only plan.

What is the way forward?

Why do some black people who become rich move to rich white neighborhoods.

https://x.com/Emarged/status/2043614382219825618?s=20

Saw this on X twitter

I’m in the UK and I fully understand the historical context, oppression has long term effects, and I’m not denying that at all. I’m Black myself and moved here in 2001, so I’m speaking from lived experience, not from outside the community.

My question is more about when and how we balance acknowledging the past with also looking at present-day factors. I have a growth mindset, so I’m trying to understand the full picture history, discrimination, socioeconomic conditions, opportunity gaps, and everything else that shapes outcomes today.

I recently saw a discussion online about crime statistics and it made me think. I’m not saying ‘Black people blame slavery’ I know it’s far more nuanced. I’m simply trying to understand what contributes to the numbers we see now, beyond just historical oppression.

Please bear with me I’m asking respectfully and trying to learn, not dismiss or oversimplify.

Thank you all.

I AM NEW JUST SAW THE PAGE TODAY.

Money gives comfort, not infrastructure. Flooding hits rich and poor. Kidnappers don’t check your net worth. Hospitals without oxygen won’t revive you because you can pay. Even Anthony Joshua couldn’t get an ambulance. You can buy solar, diesel, security but you can’t buy a functioning country.