Immigration News – New Rules To Deter Illegal Immigration Suella Braverman Promises

In a recent speech to parliament, Home Secretary Suella Braverman vowed to crack down on illegal immigration.

People who came to the UK illegally could “expect to be detained and swiftly returned” to a safe country, she announced to MPs hours after four migrants drowned when their boat got into trouble in the English Channel.

The latest “crackdown” has not been helped by a strike by one thousand UK Border officers and news that the number of migrants arriving in Britain on small boats will top 45,000 by the year end – 60% up on 2021.

With hotel bills for housing asylum seekers running at £7 million a day and her party lagging behind labour in the polls, the Home Secretary is under pressure to solve the migrant crisis.

Net migration figures now exceed half a million prompting the Home Secretary to rethink how the Immigration Rules could be applied to make it harder to bring family members, students and workers to come to the UK. Details of tougher measures are expected to be announced in the near future.

Millions of students are taking advantage on online degree courses saving thousands of dollars on fees, accommodation – with no need for a student visa.

UK Property Predictions For 2023 – Where Is The Housing And Rental Market Going?

With some forecasters warning of somewhere between a depression and Armageddon, here are my thoughts on the UK housing market.

The UK housing market will shrink - but not necessarily crash - next year, industry experts agree, as the government fights recession and higher mortgage rates.

House prices have been dropping month-on-month with average prices down 2.3% in November from October – the most since the start of the financial crash in 2008 – according to Halifax.

Watch video on my YouTube channel - https://youtu.be/ekDrJUZ6pUg

Price growth will decline in 2023 as soaring inflation hits the economy and forces interest rates up.

As the downturn intensifies the Bank of England is expected to raise interest rates into 2023 from 3.5% now to 4.75%, but there are signs that the rate of inflation is slowing.

Higher interest rates will hit buy-to-let landlords and investors, as deals fail to stack up.

Move from cities to the country is slowing, as more people move back to the office.

Property experts forecast property price declines of 5% - 12% next year, although some warn of a crash by 15% to 20%. 

Mortgage rates have since fallen back since the disastrous mini-budget in September to an average five-year fix at 5.6% according to Moneyfacts – still far higher than a year ago.

UK Finance forecast gross mortgage lending for house purchases to decline to £131bn in 2023 from £171bn in 2022 and a peak of £189bn in 2021.

Leading UK lenders have met with government officials to discuss measures to ease the burden on around 90,000 people in mortgage arrears, the FT reports. Property sales are set to drop to 1.01m next year from 1.27m in 2022.

Savills warns of a severe drop in transactions, to 870,000, and a 10% fall in house prices in 2023. Estate agents Jones Lang LaSalle forecasts a 6% drop in house prices next year. Both firms expect a 1% price growth in 2024, as interest rates fall back and inflation cools.

The Bank of England said 4m households face higher mortgage payments next year.

Typical payments could rise by £250 to £1,000 a month causing severe financial difficulties for 220,000 households.

Capital Economics’ central forecast is for house prices to fall by 12% by the end of 2023, but Andrew Wishart, senior economist at the consultancy, said in a worst-case scenario prices could plummet by up to 20%.

Rent prices meanwhile have surged to record levels due to a shortage of properties to rent and growing demand, as well as a slowing buy-to-let market and many first-time buyers are opting to rent in the hope of lower mortgage rates in 2023/24. Some 85,000 landlords have quit the buy-to-let market in the last 5 years.

See my Money Tips Podcast video - https://youtu.be/NME3nEu8dAQ

UK private rents jumped by 4% in November, the highest since records began in 2016, official figures showed.

Globally, many markets seem overheated and, in a bubble – Toronto, Sydney and Auckland for instance.

China’s property market boom appears to be over with a 20% decline.

As with all economic forecasts, much depends on government action and the prevailing winds of the economy, but more rests on your action in your U’conomy!

Your goals for 2023

·        How was 2022 for you?

·        Did you achieve your goals?

·        What are your financial goals for 2023 and how do you plan to achieve them?

I wish you a happy and successful new year!

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Brilliant 11-Year-Old Filipino Migrant's Child Genius Who Wants To Study Medici...

Interview with outstanding Filipino Migrant’s 11-Year-Old Child Genius Who Wants To Study Medicine At Oxford Will Amaze You

Chloe was born in London to immigrant filipino overseas worker (OFW) parents who migration to the UK for a better life.

Although they worked hard day and night, money was tight for the family you came to the UK with nothing.

Despite her humble beginning, Chloe showed an early aptitude for learning. She was particularly talented with mathematics and was racing ahead of her school friends after her parents found the money to send her to private Kumon lessons.

At 8-years old Chloe could solve complex quadratic equations normally taught to A-Level students. She was even able to demonstrate this skill on her YouTube channel: -

https://www.youtube.com/channel/UCdWHYVaijhR29bOqyvEwCwA

The child genius scored 143 on a recent Mensa test, but brains alone are not enough without hard work.

Chloe is extremely disciplined with her time and plans every aspect of her day. She also sets short and long-term goals.

She aims high. Having won a place at one of London’s top high schools starting this month, she has set her sights becoming a paediatrician at Oxford University.

Her now single mum devotes her life to Chloe even if her salary as a care supervisor does not stretch very far when it comes to paying for an expensive uniform or Kumon lessons.

Chloe is an engaging speaking and takes part in pageants and talent shows in her spare time. She’s also a talented artist and an avid reader of a wide range of subjects from Shakespeare to world affairs and anything she can find in her encyclopaedia!

Her work ethic and positive attitude are typical of the many migrants who succeed in the UK despite starting with no money, no contacts and none of the advantages of native-born Britons.

Chloe and her mother are an inspiration to us all and I have no doubt that she will go far and wish her every success.

I notice that kids are very good at creating videos and posts on social media. Unlike me, they have grown up with IT and social media, but that doesn’t mean us oldies can’t get in on the act!

We can all learn to not only use social media, but also how to make money on social media…

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Broke immigrant to millionaire!

During the last 20 years, I’ve met thousands of successful people have who migrated to the UK, but the person sticks out in my mind is someone who was not only broke when I met her, but also deep in debt with a terrible credit history.

 

She was an immigrant to this country who came here with nothing to declare except a burning ambition to succeed.

 

There was something about her that told me that she had a powerful hunger and desire to build a better life for herself and her daughter.

 

Although she had always worked hard, she instinctively knew that hard work alone was not enough.

 

After I started mentoring her and gave her 3 steps to follow, this single mum got herself together and changed her money habits.

 

3 steps to financial success

 

Step 1 Where are you now?

 

We took stock of exactly where she was, what money was coming in and where it was going. Most people have no idea “where it all goes”.

 

Step 2 Planning

 

Having established where she was, we started planning her financial journey out of debt and towards financial freedom. Most people have no plan, no roadmap and simply live week-to-week.

 

Step 3 Financial education

 

The next step was education. She took on board financial education and learned fast! She learned how to start accumulating and attracting money and use other people’s money (OPM) to become financially free.

 

This student was very teachable and eager to learn. Whereas a lot of people say, "I can’t do that" or “it can’t be done” and “only the rich can do that”, she would take instruction on board and say, "done that, what next?"

 

I was proud of her achievements but cannot take full credit. I may have pointed her in the right direction, but she took the action. She did not just sit around chanting and waiting for the ‘universe’ to send her money in the post.

 

In the following 5 years she built up over £1 million in property and business assets

 

She worked hard of course, no harder than she would have plodding along in a job for 40 years.

 

Yes, she had to put in a bit of extra effort at the start, but that saved her years of work, and enabled her to retire young to pursue her passion in politics and charity work.

 

She also paid to educate her nephew and niece by sending them to university back home. They became nurses and she helped them get jobs here for the NHS - a passport to a lifelong stream of income!

 

With the best intentions in the world, she could never have done all this without money.

 

Enjoying the fruits of your success.

 

Being financially free meant she had choices in life. The opportunity to travel when she wanted to, meet friends for lunch or go shopping for the day with the girls.

 

Time freedom to enjoy with her family without having to ask permission from her boss.

 

 She was also able to exchange her old Nissan Micra for a shiny new Porsche!

 

However, she only bought a new car when she had built up capital and passive income from property and business assets to be able to afford it.

 

The car was an outward expression of her wealth, but the real wealth was in her property and business.

 

The UK is open for business and encourages entrepreneurship. Starting a limited company is simple with far fewer restrictions than other European countries. Non-UK citizens are also allowed to own property and businesses.

 

Of course, she is not alone in the millions of immigrants who have hunger and passion to succeed. There’s something about the character of a person who leaves everything behind to make a new life abroad. British migrants have done extremely well in Australia, Canada and America.

 

If someone can come here starting with nothing, with no money, no local knowledge or contacts, as well as a language barrier and still make it, anyone can.

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New Traffic Light System Will Regulate Overseas Holiday Travel And UK Visitors

Starting 17 May, people in England will be permitted to take holidays abroad in a small number of countries.

Portugal and Israel are among countries on the government's green list, which tourists will be able to visit without having to quarantine on their return.

Countries are in three categories - green, amber and red. Green countries have the fewest rules.

Their status depends on the number of Covid-19 cases in each country and the success of their vaccine rollout.

Scotland, Wales and Northern Ireland have not yet announced plans to restart foreign holidays.

Which countries are UK holidaymakers permitted to visit?

There are only 12 countries and territories on the green list so far - these are:

·        Portugal

·        Israel

·        Singapore

·        Australia

·        New Zealand

·        Brunei

·        Iceland

·        Gibraltar

·        Falkland Islands

·        Faroe Islands

·        South Georgia and the Sandwich Islands

·        St Helena, Tristan de Cunha and Ascension Island

The list will be reviewed every three weeks, and countries can be added or removed at short notice. Although on the UK green list, Australia does not currently allow UK visitors.

What are the rules for visiting a green list country?

Green List

Travellers will need to:

·        Take a private Covid test in their holiday destination, before returning - this can be a lateral flow test or a PCR test

·        Fill in a passenger locator form online before leaving their destination

·        Take a private PCR test on or before day two of their arrival in England

·        No need to quarantine on return, or take additional tests, unless the post-arrival test is positive

The cost of a private PCR test varies between suppliers, but the transport secretary said he hoped prices could come down to less than £50 per person. Tui Group is offering test packages for between £20 and £90.

Amber List

Travellers returning from amber list counties will need to:

·        Take a private Covid test in their holiday destination, before returning

·        Fill in a passenger locator form online before leaving their destination

·        Self-isolate at home for 10 days

·        Take a private PCR test on or before day two of their arrival in England and again on day eight

·        Take an optional further PCR test on day five, under the existing test to release scheme, to end self-isolation early

Red List

Rules will be similar to those already in place for current red list countries, including India, Pakistan, Philippines, Qatar, Peru, Brazil and South Africa.

Turkey, the Maldives and Nepal have now been added to the list, making a total of 43 countries.

People can only enter the UK if they are a UK or Irish national (or UK resident).

Travellers will have to:

·        Take a private Covid test in their holiday destination, before returning to England

·        Fill in a passenger locator form online before they leave their destination

·        Book a 10-day hotel quarantine and testing package for each member of their group before departure

·        Take a private PCR test on or before day two of their arrival in England and again on day eight

Countries can be added to the red list at short notice. If a country's status changes while you are visiting, you would have to follow the stricter rules on your return.

·       The European Commission has recommended allowing travel for anyone who has received the last dose of an EU-approved vaccine at least two weeks beforehand. Vaccines used in the UK would qualify

·        Greece's tourism minister tweeted that tourism will reopen on 14 May, but with five security levels

·        Portugal and Cyprus hope to welcome UK tourists from mid May

·        Spain hopes to open up from June, assuming the EU-wide digital certificate is in place

·        France says tourists with a French Covid-19 "health pass" (TousAntiCovid) will be allowed from 9 June

How can travellers prove they've been vaccinated?

From 17 May the NHS app will include a feature allowing users to demonstrate they have had both vaccine doses.

The system will be incorporated into the main NHS app, rather than the NHS Covid-19 app currently used for contact tracing.

The hope is that this can be used as proof of vaccination when people holiday abroad. A letter can also be requested.

What are the current international arrival rules?

At the moment, people in England face a £5,000 fine for having a holiday abroad and must fill in a travel declaration form with a valid reason for their journey.

Before travelling:

You must take a Covid-19 test (in the three days before your departure).

You must book and pay for two PCR tests for your UK quarantine, unless you are exempt and complete a passenger locator form.

Upon arrival:

You must travel directly to your home/place you're staying and not leave for 10 days.

Only use public transport if you have no other option.

Day one of quarantine is your first full 24-hour day in the UK. Rule-breaking fines are £10,000.

Common Travel Area arrivals (Ireland, Channel Islands, Isle of Man) do not have to arrange tests, fill out the locator form or quarantine.

There is separate advice for quarantining in:

·        Scotland

·        Wales

·        Northern Ireland

When would I need to quarantine in a hotel?

Anyone allowed to enter England from a red list country (or who has passed through one in the previous 10 days) must quarantine for 10 full days in a managed facility, rather than a private address.

You will need to agree to book and pay for a quarantine package in advance.

·        10-day (11-night) rate for one adult in one room is £1,750

·        Additional rate for one adult (or child over 11) is £650

·        Children aged five to 11 are charged £325

You can be fined £10,000 or jailed for not providing accurate details of countries you visited.

China Vaccine Approved by WHO

The World Health Organization has granted emergency approval for the Covid vaccine made by Chinese company Sinopharm - the first vaccine developed by a non-Western country to get WHO backing

Source: BBC and UK Government