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Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 8:25pm On Oct 25
Treadway:


...
Obama sef dey hear am hot hot for his 'divisiveness'. Just Imagine Trump blasting a race (white men) for supporting Harris, but angel Obama did just that. Happy he is getting it hot hot from the men tho. Jedisco, like Biden said and like Obama said, if you don't vote Dems, you ain't black enough is the message. That is how they are 'uniting' America. Thank God it is on record, that not Donald Trump but Obama and the Dems made this election about gender and race. History and the evidence available so far will show that clearly.

Interesting times. Haha

Hehe.. you don dey clutch this one. Free these people make dem free you. Just like the upcoming budget, can't wait for this election to be done with.
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 8:21pm On Oct 25
hammed71:
never liked that place

Wetin dem do you na?
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 8:21pm On Oct 25
Zahra29:
I see it's not just the UK who's complaining about high levels of immigration. Et tu, Canada?

Trudeau announces sharp cuts to Canada's immigration targets


https://www.bbc.co.uk/news/articles/cd7n3rqyjqzo.amp


Our anti-immigration minister. You no dey miss this kind news.

When Canada dey increase targets, u no com tell us, now it's dropping, u don dey sing am like hit.

15 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 9:24pm On Oct 23
Jamesclooney:


Nothing can make up for it. I was really looking forward to attending a close family member’s graduation ceremony, and now that chance is lost forever.

Dealing with all these countries with unreliable visa processes has made me appreciate the Home Office for their relative efficiency, despite its flaws. It’s far better than this mess.

My apologies. I can see how it can be frustrating if you have a set event.

Both pathways have their pros and cons. I appreciate the access, predictability, relative speed/level-playing field (which was hard fought) of the UK system. I dont like the fact it seems all profit oriented. The Canadian system OTOH has all the hassle (prolonged wait) front-loaded after which thats it. Its relatively very cheap truth be said. However,I dont like the tiered processing time. For a specific event, I'd choose UK. For tourism/leisure or for parents, I'd choose Canada.


The best would be not having to apply for a visa the second best would be a hybrid between the two.

Personally, I had put off travelling to the EU as I considered the whole visa process too much hassle for its length. I applied for the Canadian one cos I felt for the price and duration (abt 100 cad i.e £55 for upto 10yrs by default), I could forgo the annoying wait.
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 2:38pm On Oct 23
Jamesclooney:
Anyone waiting for feedback from Canada after VAC appointment? Someone applied & had biometrics taken in London for visitors visa since March 2024 ( 7months & counting). No update on portal or email. Open to ideas on what to do next. This Canada people sef…their own too much sef.

Santa2:


Did mine in April.. no news yet.

Most immigration stuff esp visit visa in Canada takes a while- na just to apply comot mind they do other things.
The wait is offset by the fact the visa lasts the duration of your passport validity. So if na 10yr passport you get, na 10 yr visit visa.
Romance / Re: Heavily Pregnant Lady Dumped For Comparing Her Husband To Her Ex by jedisco(m): 6:23am On Oct 21
Baronthecelebri:
women are useless

Lunatic
Romance / Re: Heavily Pregnant Lady Dumped For Comparing Her Husband To Her Ex by jedisco(m): 6:17pm On Oct 20
Baronthecelebri:
Women are useless

And men are?

Lunatic
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 6:10pm On Oct 20
cashmyles:
Hello all, please, who have some pounds up for sale, 1165£ preferably. Escrow is a must

Lemfi?

2 Likes

Travel / Re: Living In The UK: Property,Mortgage And Related by jedisco(m): 1:06pm On Oct 20
PrettyPacy:


Thanks for your input
The reason I’m asking questions is that is our first home and we don’t want to make mistakes as well. And the property have solar panels installed as this a concern please ?


I don't see an issue with solar panels. Some bew builds come with them. If well set up, it can reduce your energy bills by a lot and you can even export excess electricity and be paid.

I am also considering installing them on my house.
Travel / Re: Living In The UK: Property,Mortgage And Related by jedisco(m): 10:20am On Oct 20
PrettyPacy:
Good evening experience elders please is it advisable to buy a house that is over 20years still in a good condition and has solar panels as well, and can I be advised of best building or property to go for. Thank you everyone
Cc everyone

Hehe... 20 yrs is almost 'new build'. This is the UK where houses of 100 yrs are sought after.
The best building depends on your pocket and needs.

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 11:02am On Oct 19
Great Britain! Love this country.
To be British is to migrate

1 Like

Religion / Re: Why Do Most Nigerian Churches Still Use The Old King James Version by jedisco(m): 8:56pm On Oct 16
chival10:
Boss I'm sorry for doing this here but I just don't know where else I can write you. I have plans to come to the UK after Bull run. I have small something that I invested in $Mubi. I hope and pray Mubi gods parabolic and turn my small something into enough money that can facilitate my travel to the UK.

First of all sir, can you help me and look at Mubi to see if it's something that will do well as a low cap and bring great returns and if it can get to $1

Secondly, what's the best route to travel to the UK come next year. I was considering to use my potential profits and go through study route as it is 90% sure and based on previous experiences

The experiences are, I have had six Visa refusal. US twice in 2018, Canada once in 2022, Tried Canada twice in 2023 all refused. All students Visa. Perhaps because the agents didn't guide me well and no sufficient POF.

Tried Czech Republic work Visa this year, they refused me on the ground that they are not sure I'll return home after I come to their country

First of all, it's not my area of expertise but I can share personal thoughts.

Not heard of $mubi before this. Seems like a new coin. I'm hardly into them as crypt0 is quite volatile as it is. Might do well,might flop. Can't say.

Your travel history could be better. It depends on the reason for refusal but with top western nations sharing visa application data, getting into any initially after such refusals would require effort. I have heard of someone able to secure a UK study visa after similar refusals.

I wonder why you use agents. Migration to western nations is straightforward, with clear explicit guidance and lots of online resource. If looking to study abroad, then going through the requirements and putting an application yourself should be expected. In most cases, agents generally cause more grief than good.

On migration options, I'd quote a post I just made

jedisco:


It depends on a host of individual factors e.g age, work experience, area of expertise, cash reserves, personal capability, family situation e.t.c

There's been a series of quick upheavals regarding immigration over the last few years and now there's some calm and a downward trend seems apparent, I doubt the current government would be in a hurry to make any change that'd reduce the barrier for entry except the economy demands it or numbers are firmly down.

Generally speaking, emigrating via a work visa or PR gives you that peace of mind to pursue other things. If looking to move via a student visa route, there is good risk in the UK atm as its unclear what percentage would actually be able to switch to a work visa longterm. Of course, individual factors and exceptions exist. High risk, high reward but personally, if self funding, I'd be looking at the Canadian PR programme or only move to the UK via studies if I have individual advantages that make longterm stay easier.
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 8:03pm On Oct 16
uzoma213:
hello,
I've tried to follow up this discussion and tbh it's kinda scary/discouraging for someone looking to Japa to the UK.
What advice would you give someone looking to come over to the Uk from Nigeria.

It depends on a host of individual factors e.g age, work experience, area of expertise, cash reserves, personal capability, family situation e.t.c

There's been a series of quick upheavals regarding immigration over the last few years and now there's some calm and a downward trend seems apparent, I doubt the current government would be in a hurry to make any change that'd reduce the barrier for entry except the economy demands it or numbers are firmly down.

Generally speaking, emigrating via a work visa or PR gives you that peace of mind to pursue other things. If looking to move via a student visa route, there is good risk in the UK atm as its unclear what percentage would actually be able to switch to a work visa longterm. Of course, individual factors and exceptions exist. High risk, high reward but personally, if self funding, I'd be looking at the Canadian PR programme or only move to the UK via studies if I have individual advantages that make longterm stay easier.
Politics / Re: Federal Government To Fix Personal Income Tax Rate At 25% For ₦‎100M Earners by jedisco(m): 6:59pm On Oct 16
Move in the right direction. If paying this would make people hold their leaders accountable.

Also, the government needs to bring in the informal economy too
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 7:07pm On Oct 14
missjekyll:
Hi Everyone, I m just on a wee fishing /brain picking expedition. Bear with me

Was anyone in the stockmarket during the pandemic boom? Did you cash in then or leave your cash in the market?

Considering the 2022 bust, did you regret your position? What would you have done differently?

The stock market is at record highs at the moment. Everytime I think "surely that's the peak". I wake up to skyrocketing gains.

Should I stay or fold? Thoughts please


The fact you're asking this question means you're not a professional trader and even professional traders hardly beat the market in the longrun. The retirement portfolio of many investors is in price discovery and there's the tendency to be contrarian.

Of course, the market can do anything but can also remain irrational much longer than you can expect. If you're investing for the longterm, no need trying to time the market. Stay calm and let the market do it's thing. For e.g, if you sold in 2021, would you have had the mind to buy in 2022 when interest rates were rising and everyone was screaming recession or would you have been left behind and looking to get in now?
If approaching retirement (which few here are), then diversifying into less volatile assets e.g mix of stocks and could may help.

BTW, have you revisited real estate investing as it seemed you flourished there in 9ja?

1 Like 1 Share

Romance / Re: Ivorian Footballer Who Lost Everything To Former Wife, Marries Again - Lessons by jedisco(m): 1:34pm On Oct 14
Ehya... happy he's recovering.

She's Ivorian.

Lessons learnt- team 'Nigerian girls are useless' should take note
Politics / Re: Court Orders CBN To Pay N579b Stamp Duty Arrears To Private Firm by jedisco(m): 6:12pm On Oct 13
iswallker:


If they played no role I they won't be demanding for their money. If there was no contract the company won't take the CBN to court and win the case.

These so many questions you said you have you think they were not asked in court before the judge ruled in their favor.... cheesy

Much more has been stolen from Nigeria based on such contracts without the recipient lifting a pen. What did they do?

Millions of Nigerians should not suffer all to stuff some greedy pockets
Investment / Re: Treasury Bills In Nigeria by jedisco(m): 3:37pm On Oct 13
Labadi69:


I am talking about international brokers. I can never ever use those local brokers. To each his own sha.

It boils down to how robust the local laws and SEC laws are in protecting investors funds. Ideally they should be ringfenced from the broker or investment firms funds. So if the later two go under, investors remain intact.

Eitherway, it's those same brokers people use to invest in the local stock market
Politics / Re: Court Orders CBN To Pay N579b Stamp Duty Arrears To Private Firm by jedisco(m): 2:27pm On Oct 13
What a pity!
This is criminal and a good attempt at state capture.

Who are the shareholders/owners if the firm? I wouldn't be surprised NIPOST officials and a select few

Too many questions

How could 15% of revenue from a source be awarded to private individuals on an enduring basis?
What role did the private firm pay to warrant that?
What stopped the banks from remitting said sums directly to the FG?


Courts should be able to make exceptions for such cases on the basis of national interest.

This should instigate an investigation by EFCC.

5 Likes 2 Shares

Crime / Re: Kidnappers Hijack GIGM Bus With Abuja Passengers Enroute Rivers State! (video) by jedisco(m): 10:21pm On Oct 12
Godwin4444:
the reality many of u are yet to face is that even American police can't protect a country where the citizens are criminal minded

A country where all u need to show is money irrespective of how u got it

The igp said something the other day that 99.9% of robbery n kidnap cases has the hand of an insider in it

So pikin wey know him parent ways n he kidnap them, how police go know

Trash.
There is no excuse for the sorry state of policing in the country.

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 6:37pm On Oct 12
Goke7:


My brother just like you na double immigration status I get o like you said before I will be thrown out for another hard worker. You sef know the parole. Currently in a fix whether to go or to stay. Unis don chop their own, employers take advantage, me sef chop and take advantage. Equation balanced no victor no vanquished.

Hehe.. with the state of many nations, hard workers choke!
Gimme gist. Na Cana abi na Aussie or is it land of the free?
Finally, finally, I love the UK..reason why I stay put dey wait my kpali. That way, our colobi would be for life

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 6:00pm On Oct 12
Goodenoch:


Let me try to break this down:

They didn’t open the door wide for Nigerian immigrants.

They opened the door wide for people who could do the roles that were urgently required in the country and that there was a shortage of people willing and able to do.

It wasn’t a humanitarian gesture. It was a self-interested one to support the country’s care sector and economy.

The fact that many Nigerians were able to migrate as a result does not make it a charitable gesture extended to them, just like an employer opening up thousands of roles to applicants is a function of the business’ need and not a charitable gesture to would-be employees.

Just as in the above scenario that large employer employing thousands of people doesn’t mean that they couldn’t be abusive to those employees, it’s similarly illogical to say that just because many immigrants moved to the UK, it disproves the fact that the government was in many ways racist and anti migrant.

Succinctly put! Couldn't have said it better. Going back over 50 yrs, aside special instances, there's virtually one reason why any imigration pathway was made open in the UK.

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 5:43pm On Oct 12
Goke7:


It’s always sad when one is at the end of the stick when these pathways are closed or stricter rules enforced especially for students who have invested so much. It’s so heartbreaking. However the lesson I have learnt especially from the uk immigration system is that it’s just a low entry barrier and it’s up to individuals to make the most of it for their future advancement by managing their expectations around the opportunities available and not to be too emotional to maintain their sanity. Whether it’s education or work experience use it as a launching pad for self development and be grateful as that experience can be more fulfilling and rewarding elsewhere.

Hehe...

Not very low ooo.. even when COS was readily available, it still needed alot of hassle. I agree that finally, everybody go answer em papa name. Reason why when making decisions, one gats dey practical. If not, after Unis chop ur fee, UKVI chop their own, employers take good advantage, landlord collects rent, populace dishes you insults, 3-4 years later you're thrown out to be replaced by another hard worker.

Elsewhere kwa? Are you thinking of japa 2.0?

2 Likes 1 Share

Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 5:34pm On Oct 12
ReesheesuKnack:


..and yet if you read some Nairaland threads long enough, all you hear is how hostile and racist and ‘anti-migrant’ the out-gone govt was.

The unbundling of the Tier-2 and subsequent creation of the Health & Care visa by the Conservative Government had a lot of Winners from Nigeria. I’m not sure ANY UK government in the last 50 years have opened the door that wide for Nigerian immigrants.

#FactsOnly

Two opposing points can be right at thesame time.

The last government was anti-immigrant and won their election based on that narrative. However, in their naivity (or would I say stvpidity) and belief in British exceptionalism, they ditched an almost perfect migration arrangement with the EU and ran into the the hands of welcoming Indians and Nigerians- sure they were given a befitting welcome. All this ultimately led to their greatest defeat in a century. The post-Brexit immigration boom would be studied for a long time.

With Keir Starmer, it's different. He'd likely let in much less people than the past government but so far, he's shown that the narrative from his government would be different. The decisive showing after the last riots has been a good start. I hope he's able to get untop of the assylum issue.

2 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 3:19pm On Oct 12
Goke7:


They were indeed the biggest lottery winners 😜

Jokes apart they actually came to fill a void and justifiably they merit whatever they have gotten. It’s what it is. Just like those who can file green card applications from outside the United states and get approved while those who have paid through their nose for study in the US can hardly get an h1b which is also a lottery system that some folks outside the US too gets selected and migrate. Just timing and opportunity happening to everyone and everywhere.

True...especially the early ones. Some are already at 3 yrs+, some have switched to other roles. Even those still in care are now getting more shifts thanks to recent government changes.

I used to be strongly against those paying for Care visas until someone told me a number who came in via the student route were also paying to switch into care after studies and regretting all the sums paid. Since then, I toned down. Even when the warnings here were red hot, my advice was to weigh both carefully as the shafting that'd happen to a number of masters students wouldn't be funny.

P.s. I wouldn't wholly blame those who flocked in for the government change in rules. As with virtually every other imigration pathway (both historic and current), the route was only going to remain open so long as there was a need. Once filled, the pathway would be restricted or shut. It was largely inevitable.
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 12:57pm On Oct 12
Joyglo:

.....
A lot of people from my set (September 2023) are so confused. After study it’s postgraduate visa, and after postgraduate visa is now to redo another postgraduate degree or further to PhD because the threshold £38,700 is somewhat difficult to achieve?

A Filipino woman told me the threshold of £38,700 is a must on every visa one is switching to even if it’s ILR

Would someone explain what’s going on in this country? I know a lot of people in depression now some even have 3-4 kids.

What’s happening in UK?

Thank you


Sad to read. It appears many who are unable to secure a job that meets the relatively steep thresholds would have to take another masters (without dependents) or PhD, move into Care (without dependents) or seek clinical roles in the NHS (if qualified). I'd be keen to know what other pathways exist.

The more issues like this come up, the more it becomes clear that the 'winners' of the last immigration 'boom' may be those who came via the care route- most were able to bring in family, didn't have the burden of uni fees on them and are already counting 1-3yrs out of 5 for their ILR while students are stuck in limbo.

Says so much about the effectiveness of the last immigration system.

3 Likes

Investment / Re: Treasury Bills In Nigeria by jedisco(m): 11:19am On Oct 12
Labadi69:


Nigerians with Naija passport are not allowed by international brokers to invest in global ETFs. So they must work with what they have na.

I stumbled on global ETFs on Kuda which were hosted by Bamboo. They're marketed to Nigerians so it would be odd if Nigerian passport holders can't buy them. Another issue is the broker/platform fees for many of these passive funds. While in many places, you could pay no fee or very little platform fees, Nigerian firms tend to charge relatively high rates even above 1% of invested funds.

Also, it's unclear how robust the laws are regarding such platforms are I.e if investor funds are walled from the brokers
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 11:30pm On Oct 09
Cyberknight:


Lol - prepare to collect your much reduced state pension in your 70th decade or thereabouts. If the thing lasts that long. For me who just came to this country in my 40s with children, living and working in the south-east, my roughly outlined plan is to retire when my last employer throws me out and nobody else wants to employ me, then live off whatever occupational pension I will have accumulated, then, if there is no state pension, book a free NHS assisted death and a Co-op cremation when the workplace pension is finished.

Hehe... don't be so grim. 20 yrs is a long time.

I believe there'd be state pension long into the future. The parameters might change but any government that cuts it down significantly would be toast. Governments would rather bring in more people to support the system than tamper with state pension. For now, I hardly have a choice but I'd look keep contributing including voluntarily even if I leave.
Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 9:30pm On Oct 09
Knowlegeseeking:
Elders Good evening.

I’m currently looking for a broadband-only deal, and I’ve noticed that my living room has both Virgin Media and Openreach fibre cables installed. After checking online, it seems that Virgin Media offers the fastest connection in my area.

However, I’m a bit confused by the different speed options and their varying prices. Could you advise me on what I should prioritize when choosing a plan? I’m hoping to find a good balance between speed and affordability, as the prices seem quite high.

At the moment, I’m using an unlimited data plan on my sim from Three, but the network performance is poor, which has made working from home difficult. My contract with Three expires at the end of this month, so I’m considering switching to Virgin Media for broadband.

For context, I don’t watch live TV—I mostly stream YouTube and Netflix, and I usually connect my TV via hotspot.

Any guidance you can offer on selecting the best deal would be greatly appreciated!

Had same dilemma a while back.

I'd say for full fibre, go with the lower speed and cheaper one. Most providers would allow you upgrade if its not fast enough. A quoted 50- 75MBs download speed would be more than enough for the needs of most. I use a similar plan with multiple devices and have never felt it lag.

Also worth purchasing through a cashback site such as Quidco if the numbers stack up. I remember I got about £100 in cashback for my current plan.

3 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 9:17pm On Oct 09
Cyberknight:


The social care crisis is a looming snowball gathering mass and hurtling down towards everyone and they act as if it isn't there. The UK's aversion to so-called tax rises at play as usual. The country cannot nationalise the problem just like that - Labour was right to scrap the care costs cap, that's ridiculous, so the next step is to levy more tax to set up a care system like Germany's consisting of a pooled risk long-term care insurance system with social insurance contributions collected from everyone. No other way forward - the councils will soon go bankrupt.

Hehe... who go gree for higher tax in this environment.

It's a trilema - maintaining good social/healthcare standards, lowering taxes/growing the economy and reducing migration. I wonder when last a UK govt was able to achieve all 3.

The issue is people would vote for their personal interests and when the population demography tilts so much towards older folks, they'd force government to make decisions that unduly favour them.

Look at all the drama limiting winter fuel payments caused. Same group worked much shorter years than their offspring and living much longer than their parents, had generous pension plans, cheaper housing, accumulated huge wealth, and are guaranteed a state pension that rises faster than workers salaries but yet, they still screamed to high heavens for a sum many of them can do without and are keen on scrapping inheritance tax. Imagine what would happen if the tripple lock was abolished.

Me that is religiously paying my NI... let nobody tell me no state pension when the time comes. Las las we go dey all right

1 Like

Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 6:22pm On Oct 09
In other news, care costs strike again. Not a surprise to me as I sometimes find myself haggling with social care staff to fund care or with folks who think it's my job to supply them carers. I feel for some social care staff though... they're being squeezed on both ends.
'Care authorities' grin

The spiralling cost of social services is eating into the budgets of England’s largest councils to the extent that many will soon be forced to abandon “nice to have” functions such as arts and youth clubs and Sure Start centres.

Council leaders are concerned town halls are at risk of becoming “care authorities” focused primarily on the provision of care packages to an expanding number of at-risk children and frail adults at the expense of other services.

Some top-tier councils are already spending as much as 70-80% of their annual revenue budget on adults and children’s social care – up from about 50% a decade ago – and say costs in these areas are rising and increasingly unsustainable.


https://amp.theguardian.com/society/2024/oct/03/rising-cost-of-social-services-in-england-putting-arts-and-youth-services-at-risk-say-councils

2 Likes

Travel / Re: Living In The Uk-life Of An Immigrant (part 3) by jedisco(m): 2:24pm On Oct 09
missjekyll:
https://www.telegraph.co.uk/business/2024/10/08/migration-drives-fastest-population-increase-since-1970s/

It's time the truth about immigration went mainstream. Enough of the lies. The commenters are frothing at the mouth. Lol.They do not like the reality. More articles like this should be written in the daily mail.

Hehe.

The difference in headlines when such popular data-based stories are reported throws light on where major UK media houses lean. One can tilt so far while remaining 'impartial'

The dominance of deaths over births was described by economists as “a stark reminder of Britain’s demographic challenges”. With student- and migrant-friendly cities ageing more slowly or even getting younger, and rural villages ageing faster, policymakers will face divergent demands to provide more social care in some areas and more school places in others, said Charlie McCurdy, an economist at the Resolution Foundation thinktank.


The headline and reporting from the Guardian paints a different picture I.e we need them.
Reminds me of a conversation I had with an conspiracy theorist during the riots. I was quick to remind him that Britain is in an 'enviable' position where birth rates were well below replacement figures. I.e., if no/little immigration occurred the population would quickly begin to fall and reminded him how that'd mean less traffic, huge jump in pay, less crime, cheaper housing e.t.c. Chap was looking bewildered. Proceeded to explain how this is very easy to achieve by ending/capping study visas, care visas and limiting the total number of work visas issued to say 20k. Then asked him why no government over the last 2 decades has taken any firm step to achieve something so easy. Funny enough, he was educated enough to not be convinced doing that would make his life any better.
The next 2 decades should be an interesting one to live through.

2 Likes

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