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Why I Decided To Retire In Zimbabwe
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- Опубліковано 19 сер 2024
- Link to the I was scammed video : • How He Failed Farming ...
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After many years in the diaspora and starting to think of retirement back home ,we ,(my wife and I) started to brainstorm different ideas.
We settled on free range organic chicken farming! 🥚🐣🐓😍. We will also grow organic vegetables.
We have lived in the United Kingdom for just over 20 years with our five children who were all home educated.
While living in the U.K we became very aware of food standards because food was not the same as what we had left behind.
Very early on we started buying organic food and wild fish. We would like to continue on this path of healthy eating and growing our own food.
The chickens will be pasture raised. We are implementing a permaculture farming method.
We will also be using the regenerative agriculture approach to help the soils get all the necessary nutrients.
We bought the land which had lots of gum trees which took a lot of nutrients out of the soil. We need to add these back using the regenerative agriculture approach.
We will use this platform to share information we learn along the way.
There was a pond on the farm which has dried out but we need to revive it as part of permaculture farming.
What is regenerative agriculture?
Soil health and the regeneration of topsoil (the surface layer of soil) are the main priorities of regenerative agriculture. Going well beyond organic farming, regenerative agriculture is a system of agricultural practices and principles that increases ecosystem health, improving nutrients in foods, which almost become a by-product of the planet’s restoration. Soil Heroes
What is permaculture?
It involves taking care of the earth and working with it. We will be using systems like rain capture and solar systems. Trying to be off grid as much as possible.
#RuwaOrganicFarm #AfricanDiaspora #Zimbabwe #ZimbabweDiaspora
Working in the NHS, l managed to build two houses in Zimbabwe through hard work. l will retire in 8 years' time. Boom, off l go to Zimbabwe, drawing my pension, enjoying the sunshine.
Well done :)
welldone.
Well done.....diaspora life definitely needs an exit plan
👏🏽👏🏽👏🏽✊🏽✊🏽 well done you❗
How did yu do it
I also decided to call it quits in 2019, took early retirement after working for 32 years in the UK, for more or less the same reasons. Parked my 40 foot container and relocated to Zimbabwe. I make my passive income from broiler chickens, house construction business, and any other business opportunities I come across. All I can say is I found my peace of mind. For those who want to follow us make sure you buy or build your retirement home. Life is too short. Come home.
That's my Dream, well done 👏🏽
Awesome and congratulations
What shipping company did you use
Stay strong brother!
Thank you for this, many young people will only realize too late that retirement is planned in your 20s, 30s and not at 60. Avoiding making bad financial decisions early is what we should be aware of. We are only useful in the diaspora when we are still economically active, once you reach a certain age you won't get as many opportunities, options will become less, not so many friends/relatives around.
Am Kenyan born and live in the US , am planning to retire in Kenya .. bought land and already built a home .
Awesome! Congratulations
Goid thinking. But keep the brige intact
This has been one of the most sober analysis I have had in a very long time. Problem is people who always romanticise about Zimbabwe. Things are also not easy in Zim. Thanks for highlighting that brother
It does have it challenges but just put a few things in place for your comfort
Its inspiring, l am going to retire in Zimbabwe, planning to have a house in Zimbabwe, when everything is in order, l send my car, double cab, a combi, l can have a business to do like to open a big shop, venture into agriculture, l truely don't want to retire in the U.K,
It sounds like you're on the right track, congratulations
Try telling some Zimbaz that a car is a liability 😅😅😅😅😅
They will have you for breakfast. Yet thats the single truth. Buying a lifestyle with pay check to pay check money is the dumbest move most of us financially uneducated African fall for.
Most argue that getting debt is good, yes it is good but not BAD DEBT. BAd debt is pretentious feel rich lifestyle that one cant afford.
Thank you for shouting out loud on this
SALARY IS A SEED
Q. Retirement?
A. Zimbabwe
You're 100% right 😂😂😂😂
Africans think owning a car is a sign of wealth.i studied the matrix when i saw white fellars still investing in public transport.they are not stupid😅
Having worked in a financial sector in my early 20s taught me that lesson..l used to see how my clients wll pay 2/3 of their monthly salary on a loan taken..few mnth dwn the line they want to make payment arrangements..I told myself I can nvr be one of them.lm in my early 30s now we're already planning our retirement at home😊feels refreshing just thinking about it ♥️I look poor n l love it
That was a very interesting and eye opening topic.I agree with you on everything you've said and I'm sure a lot of people in the diaspora will relate to this.Retiring in Zimbabwe is a no brainer but you have to plan for it and prepare the necessary foundation,I personally want to retire in Zimbabwe,there are problems of course but it's our home.
Thank you, yes a lot of people will relate but some have made bad financial decisions and even if they want to retire back home they can't.
Plus cost of living is very very low,good is very affordable and meat very cheap
We have buried a lot of Zimbabweans in the UK who had a fear of returning home because they were misinformed about the situation back home. Thank you brother for this informative video
You're welcome.
Not exactly misinformation
In Zimbabwe some people only get $100 USD a month so for them it's not reasonable to encourage anyone o consider living in Zimbabwe.
However in the same Zimbabwe others earn $1000 a month. The wealth gap is huge, so there's no guarantee you'll have a good life in Zimbabwe.
Am really learning a lot about life especially as a responsible man from Ghana 🇬🇭. Thank you Sir.
You're welcome :)
Very enlightening information. Thank you so much for this eye opening video. Most of the people always thought that going abroad would improve their financial statuses. Its a lot of hard work and no social time. You even work harder than the locals in that country trying to seek attention for a raise or a promotion. Zimbabweans in general aint hard working people but the situation has made them to be.
The moment you leave your country insearch of greener pastures you automatically become a hard worker.
South Africans in the UK are considered hard workers. Malawians in the diaspora the same.
I would retire in Zimbabwe or in the neighboring countries but not ouside africa.
Thank you very much for the content. Much respect for Ruwa people.
I beg to disagree. Zimbabweans we are very hardworking unless you are talking of the young ones.
You’ve gained a subscriber bro. This is very sound thinking
Awesome, thank you!
Im on that journey and this just solidifies my resolve.
I think you should make more content about this. Hadzi vanhu vaparara nekuda kwekushaya zhere, competing nemota, dzimba,phones even sofa rechikwereti.Thank you so much 💯
Thanks, more is definitely coming
I am so glad I found your channel. I managed to convince my parents to retire & move back to Zim. The process was nerve racking, but they are now approaching YR2 in Zim & so far so good.
Awesome, good for them.
i just Got Cisco CCIE certified in 2024, i respect you you are one of the pioneers that paved the way.
Congratulation, that's awesome. It's very difficult to achieve so well done.
Thanks man very very good video, extremely realistic approach I am planning on coming home retiring in the UK is a non starter me and my wife keep up the good work 😊😊
Thank you so much :)
Hey, I'm from Riverside, a small suburb in Ruwa. When I get back to Zimbabwe, I'll definitely visit your farm - looking forward to it!
Already bought a house in Zim .. Cant see myself grafting till my 60s in the UK
That was a great move.
Thank you so much my brother… I agree with you 💯. Many people don’t realise that the cost of living in UK is too high. All the fake life will make you think you have made it in life but in reality you will leave with constant anxiety in order to maintain it.
You're welcome.
Also in the UK, in IT too and also planning to retire in Africa... here is just too expensive.
Good move, it's going to even get more expensive.
I’m inspired by your story.Am also considering retiring in Zimbabwe.
hank you and wish you all the best
I knew you were going there with this. Thnx will be learning a lot from you.
Glad to help
Awesome video. Strength to you
Thank you!
I live in the US, and my wife is from zimbabwe. We plan to retire in zimbabwe as well. There is already a home for us there, and we want to grow our own food and raise chickens. The US is not the place it use to be and far from it. We can't wait to leave to be honest.
Solid presentation mukoma...imwe option yandinowona ndeyekuti get a new skill that allows you to work online whenever you need money kana wadzokera kumba so that you can still earn mari yakanaka while working in foreign job markets but not suffering ana rent nema bills avo ari brutal for instance a cloud engineer could work online in a Canadian market while wakadya easy hako pafarm or paruzevha pako
True, it is a great idea. Some people who reurned to Zimbabwe work remotely for the companies they worked for in the diaspora
Getting a credit card to support your lifestyle is the most ridiculous thing i have heard. Yesterday i was talking to a friend who works in IT. He is working at a startup that loans out money to people for 30% interest.😮 I laughed when he told me this and asked him who is stupid enough to borrow that money. He explained to me that there are many and that the companies loan book is now 20 million dollars. He also explained the reasons for those loans. Apparently the majority take these loans for consumption, ie buying a car or travelling. Come one people! The only good loan is a mortgage and a grant for studying. One thing i learnt from my swedish partner that we africans don’t learn as children is only buy what you can afford, meaning save the money, then buy. Our problem as africans, even though we think we are so educated is financial illeteracy.
There are many people who take out these loans because they live for others. They like to show off with wha they can't afford., however it isn't an African problem. The rate of borrowing and living above and beyond their means is higher in he West.
@@ruwaorganic I know it is not an african problem. But you are african and i was responding to your comments. Plus i suspect that the majority of people who watched this are most likely Zimbabwean or from some other african country. But you are right 😎
Mortgage for your primary residence is a terrible loan. So is a loan for education, depending on what and where you're learning. The only way credit can be good it using it to buy something that generates income; ASSETS.
And true, leaving beyond your means, abusing credit is not primarily an African problem. It's more popular in the west. Most Africans dnt have access to credit.
God bless you brother. I'm coming very soon in Jesus name .
You have seen light!! , you're my kind of person!!
Thanks
Thank you so much for making this video. You literally described my life and you opened my eyes. Amazing stuff. Thanks again
You're welcome. Happy to help!
A new Divi tutorial released 😍, I'v followed your tutorials for over 6years. Nice seeing you in a new industry bro 👊
Awesome, thank you!
Wow you spoke to me there.
Thank you, glad to be of some help
We're coming back home soon Bro 🤝
That's greatt
Interesting that you sharing this, me listening while I am new here
This is top tier.
Dude l love your sincerity u r a hero keep up the spirit
Thank you, appreciate it.
Very interesting video with incredible insights.
Key things to also consider are health insurance too. Some people buy international health insurance and invest money in the stock market where they can get some cash flows from selling shares and dividends
Finally subscribed after a month of watching your videos on and off. Good content 👍🏾
Welcome aboard!
Yes you are tell the truth I m planning to go back with my husband to Zimbabwe at least I have a place ther.
Here I can't afford to buy a house maybe young people, me I can survive with vegetables thanks for the video I m going to show my husband because is worried about going back without any business in to do in Zimbabwe.
Thanks you made my day and God bless you.
You're welcome. Glad it was helpful.
I m on my way out back home.l m done .Just doing the final touches
Just two things to consider though:
A mortgage in the UK is not always entrapment if your house is in positive equity. Can always sell the house, and realise your equity, albeit with a bit of taxes to pay.
The UK has a free health service which you definitely would worry about in your 60s, where as in Zimbabwe you would have to pay for that service.
Otherwise, happy retirement planning.
Thank you for sharing. I'm living in Zimbabwe and I follow a lot about how our friends and relatives are surviving abroad. It has made me appreciate that they work hard for their money.
It is also surprising that £2500 is not enough in UK yet a civil servant in Zimbabwe is surving on approximately £200 per month. The difference is huge.
Going forward people in the diaspora can invest back in Africa. Instead of maybe buying expensive cars on mortgage rather buy faming and Mining equipment and invest back home.
Thats correct, the cost of living abroad is higher.
Any chance we can meet please? I am in the UK and will be in Zim early August. Just for a chat, networking and inspiration please.
I will be next in the cue
I am above 40 and below sixty and plan on "LIVING" my best life in Africa in the next 2 years. Living in the WEST just to pay bills is not good.
Wishing you all the best
Diaspora life definitely needs an exit plan...It will trap you if you are not careful.
Too true
Real talk absolutely so educational piece of advice thank you brother 🎉
I want to retire back home in Zimbabwe.
@Michael Steele come and hear this
When it comes to housing I think its a isolated conversation, in respects to uk & Ireland depending on the year/period you could find yourself in either a renters market or a Homeowners market, whereby its cheaper to rent a home rather than own and vice versa it may be cheaper to own rather than rent. I think this should be very much considered, currently we are in a home owners market , it is very much cheaper to own on a long term basis rather than rent a home, that financial outlook needs to be looked and assessed, not only the financial aspect as well but the peace of mind / peace of living aspect, imagine renting a home for ten years to be told you need to leave as the owner is selling up , these things happen so its not as bad to be in a mortgage so long as its giving you peace and its affordable, besides that it gives you options, if you wanted to go back to zim for a year or two , you'd simply put your home on the rental market to cover the mortgage plus give you a little extra as well. I think every circumstance is different but I would not advocate against home ownership in the diaspora through mortgages.
thanks for sharing
Thanks for watching!
Brilliant video my brother, what i think is that if one is still young enough and can afford a mordgage, please go for it because that is more like an investment instead of paying rent. When you finally decide to go back home, you sell the house and get back your money, but when you are renting all your rental money is none refundable.
Otherwise, i truly subscribe to your contend. Ngiyabonga.
As far as cars are concerned depending on which you're in, but in some countries it is necessary to own one, however a simple tiny car will work wonders for you, you save on buying it, maintenance, fuel and insurance
Thank you
A new subscriber here😊
Thank you!
Kai great content I really enjoyed it. But why? Ahhhh it’s because my semi retirement is coming up next year. 85% of planning is done. In the United States for now but looking forward to the move to 9ja❤
Eye opening
thank you, well I want to retire in Zim
Write down a step by step process and tick each step as you go. That way it is more manageable.
Amen to that brother❤
Thank you
That was very educative my my brother
Good content keep on doing these kind of videos
Thanks for the feedback, I will posting another one tomorrow.
You’re 💯 correct
We're back now. Hope you have seen the latest uploads
Wow, those are some serious words of wisdom
Thank you
Well explained. Thank you
You are welcome!
All I receive is negativity from my direct family that think I am crazy for wanting to retire back home, but I agree with you for many of the same reasons. Living in a City means constant sirens, car alarms, house alarms, grass cutters, hedge cutters, lawnmowers instead of listening to nature. I worked as a subcontractor 2008-2016 when Brexit happened and that was a great time but many private employees became jeolous of subcontracting and the Government made it very difficult so back to working for a salary. I earn a bit more than £2500 because of my age but still the money dissapears and the thought of getting a 25 year noose around my neck has made it a pretty easy descision to move back to Zimbabwe. I moved here as a very young child and now most of my parents and relatives are dead but I do not want to be in an old peoples home watching TV for years on end. Working in IT we spend too much time sat down as we get older the need to be active is more important and the way life is you are forced to be healthy. I will probably binge watch your videos over the next few days so thanks and keep sharing your insights as they will help many.
This is ......!!!!!!
Sir all if not most of us want to retire back home. I was in SA went back home failed dismally!! I'm now in the UK and have aspirations of coming home for retirement. I followed your "scammed video" and that's how I failed too. So your podcast is more helpful than you can imagine. Not for zimbos but all foreign nationals. Please make time to make videos on retirement having these as topics planning, who to consult, what is money, rules of money, what is investing especially in Africa, is farming the only way for retirement, Chinese equipment to start factories, how to avoid the melting economy sink your business and investment, can banks in Africa be trusted "zim bank", acquisition of land, paper work, how to find good partnership, what is an investor" how does this work out" especially in Africa, politics in running business. Well sir I would like to share on your podcast my experience and knowledge on investing back home.
Missing word was ....Great!!!!
Thank you so much or the input. I am working on more videos at the moment which will cover some of the topics you mentioned. Stay tuned
Thanks mate
Been in the UK for 20 years but now the exit plan is in motion.Now just waiting for the last born to start Uni in 2 years time and we are off to Zim.God has been so good and gracious to us, all honour and praise goes to him. House in the Uk is fully paid up, and we have properties in Zim which will be our source of income.Life in the UK, just depressing. Cant wait to relocate back home.
@Patrick Tom😊
Well said
Much appreciated 😀
There is no place like home. Am also looking to retire back home❤
Wish you all the best
I drive a car that is 13 years old and in very good condition for a 1000 pounds. I've had the car for 3years and can still get a 1000 pounds for it.
Rich dad Poor Dad book has destroyed many people's lives. Any person who decides to read this book should be careful
Can you explain how it destroyed peoples lives?
@@ruwaorganic I have seen people who became Euphoric and started chasing unrealistic goals after reading that book. One wacho ndini ✋
My retirement is in Zimbabwe, I have already built a house in town but don’t want a life in the city. I am looking for land in the rural
Awesome, wish you all the best
Good content but the truth is you earned the money abroad for your retirement plan/projects back home...so being abroad wasn't too bad after all. Regardless where one is, the key taking from your message is for one to have goals and live within their means.
You're right.
Thank you so much for sharing
You're welcome
Fantastic. Good to hear your success story from your motherland. Keep it up. We want to hear more from you. As you said it is difficult to retire with a monthly salary in Zimbabwe. Is it really ? What is the minimum income we should have to comfortably live in a nice neighborhood and drive a mid size car ?
I assume buying a car could be expensive so how much does a house rent and car rental cost with all other additional costs in total if you can give us an estimated amount ? And another thing I don't know how much it is true but we heard Zimbabwe has shortages of basic items as simple as cooking oil and the likes. Is this actually going on ? I hope it is not. Thanks.
Just a few in Zim are able to fully retire....the rest die trying to make ends meet
True
More to come. The income will greatly differ depending on your needs. Do some research on property websites, car rental websites etc. There aren't any shortages at the moment
This is very informative, thank you so much
You are so welcome!
thank you this is a good video though I did not see the link to the video of the story of how you got scammed.
You're welcome, here is the link ua-cam.com/video/TgSgWRaDEPQ/v-deo.htmlsi=wzYkZdNLa81iKNfK
Eye oppening brother
You're welcome
Good stuff, great thinking ahead.
So what's your retirement plan in Zim, how are you mantaining your basic financial requirements? Had savings from the time you were in the UK? Or running another business in zim? I know the farming one didn't go well as you alluded on your other video
Still with the same online business I had over the years. Farming is still on the cards.
Very insightful this. Wish I had seen this video 5 years ago when I came to the UK. May you kindly share when you chose to relocate back to Zimbabwe and how was the transition. Also could you please share how long it took you to prepare for relocating back to ZIM if you don’t mind. My idea is to return back to Zimbabwe before retirement and at least contribute something to Zimbabwe and retire there.
Thank you, more to come
The sound is a 100
Thank you Tino 😀
I enjoyed your first video with Wode Maya, you showed true character in pursuing what you believed and went for it with all your might. I then watched the 2nd video that you outlined how your ventures failed siting a number of factors that contributed to that outcome. I applaud you for the follow up as your following deserved an update which you rightly so did.
However, on this instalment, I’ve found a lot of inconsistencies, some untruths and not so factual information but rather opinions which in my own opinion where based on not so researched outburst.
Let us break this down.
1. On your sparkling Jaguar, isn’t it the practice that the cars guaranteed for at least the first 3 years or certain number of miles. I wonder why you would have incured expenses on repairs when it should have been Jaguar’s problem. Tsanangurai muhe apa why maita pay for repairs on a new car that should have been within its guarantee period?
2. Accessing credit is not as bad you may have portrayed in the video. Responsible borrowing is a good thing as long as this is within your means to make the agreed repayments. This is the same obtaining car on finance. Financing a family car that will serve to drop and pick children from school and commuting to work is an absolute necessity considering the weather. Surviving without a car esp. in the UK will make one’s life very difficult over and above the existing stresses.
3. Not obtaining a mortgage when you live and work in the UK is an absolute NO brainer. Money paid for rentals is money down the drain, you pay it and it is GONE never to be seen again. Whereas paying towards a mortgage has all the advantages, it is your home you live in and every month you make a payment you are reducing the debt. Also, the property gains value and you’ve equity, something you can plough back down the road.
Giving your example that you’ve lived in the UK for almost 25 years renting - we can safely say you have paid someone else’s mortgage - how is that clever/smart or wise?
The notion you’re pushing that having a mortgage will tie one down in the UK or wherever is not entirely true. Having a mortgage does not mean one is not allowed to sell when their plans change. In your cases if you had obtained a mortgage and paid it for say 10 years (including that whole period when interest rates were VERY low) and house prices continue to rise. You could have easily away with 100s of thousands of pounds in equity giving you a good cushion to start a new life in your chosen retirement destination. Makatoruza ipapo, makatambisa nguva nemukana.
There are many other things you’ve chosen to not mention that will definitely be a big consideration when one is getting old is poor health. The need to have access to medical facilities is vital. If you retire in Zim, you need to be able to fund your medical requirements. It is nice to have your rent or mortgage free house, but there is more to life than just owning a house and small piece of land to grow veggies and rear chickens.
There are a lot of things you said with confidence that I do not have time to expound on. I just hope you’ll carefully evaluate your plans and actions to keep away from pitfalls that could be avoided. I also hope the lessons and mistakes you’ve made in your journey from 2001, some which you highlighted and acknowledged will help you in the next phase of your life to be more careful, plan better, take time and seek expert advice.
Otherwise, we are all headed to Zim after our mission in the Diaspora is over, but we have to be well planned otherwise we will spent the last years of our lives miserable and brutally honest early grave.
Thank you for taking time to respond, I just wish people would articulate their points like you did. I makes great conversations. Here are my responses:
1. Regarding the Jaguar, I bought it on finance when it was already 5 years old so I was only given 6 months warantee. The issues I had were outside the 6 months.
2. Regarding accessing credit, if you watch my follow video to this I specifically mention that "good credit" is great when used for specific things that enhance productivity for example but most people use it to look cool. Ofcourse everyone has choices when it comes to financing a car. My point here is when you finance a car, if you add up the total of installments after 3 years or 5 years, you are paying more for something that is depreciating anyway. I would and have bought a second hand reliable car, that reduced my out goings compared to when I was paying for my car on finance. Every month I could put aside 2 - £300 on investments.
3. Regarding the mortgage, a house that's on the market for £100k will be about £200k after 30 years, remember you would have put down £10k deposit. My point here is if you put that 10k into a business, that business can give you returns that you can enjoy right away. The house is just a huge liability for 30 years. In my case, I put £20k into my business and was able to buy a house for $50k USD and a farm for $140k USD. My projects on the farm can give enough money to purchase a house at the market price cash in a few years.
4. REgarding healthcare in Zimbabwe, there is no option but to go private, there is CIMAS etc that can take care of that. $100 towards healthcare is nothing considering that you have projects that give you cash everyday, and cost of living in Zim is almost $0 (No rent, $20 per month electricity, $0 electricity if you have solar, grow your own vegetables organically etc). It's very easy to setup a business in Zim, and other is less competition.
Everything that I am sharing is well researched, this move to prepare to retire in Zimbabwe was 10 years in the making. I am still learning a lot while trying to settle here.
@@ruwaorganicthanks and all the best bro. There are many ways to skin a cat as it is said. You seem to be on track using your chosen approach.
We certainly need to catch up if you’re in Harare. Am sure there is a lot we can learn from each other.
Stay well and all the best bud!
Thank you for sharing 🙌🏾
You are so welcome
Fantastic thanks
Very inspirational
Thank you so much
Bro you hv big. Experience of diaspora..in every capitalist economy majority of middle to low class survive on credit cards and they only leave you with few coins for chocolate and facebook photo gear😅
😂😂😂
It’s called a MORTGAGE because you don’t own the house till you completely pay it off if you don’t die before you can do it. klaus Swab said they will own nothing & be happy because where we are heading as a global village is that if you don’t own land you will forever be a renter and borrower just to stay alive.
Mortgage is a trap..
Absolutely, people dont even realise it.
Why is it a trap. Investment in real estate is one of the best forms of investment. Its a problem if you buy a property that you can’t afford, just like anything else. I live in Sweden and me and i my parter sold our apartment for a 100k profit after 5 yrs last year and bought a house. I don’t know anyone who has a mortgage and can pay it who regrets buying a property. It would be interesting to hear why you would think that.
You make it sound bad to pay tax. You know that NHS? Welfare system? That's what taxes pay for.
Great show bro ,so are back to farming or its on hold
Are you the guy who works for elegant themes (Divi theme) ?
Yes
I first saw you pushing Divi as an affiliate .... How lucrative is that?
How did u plan for the kids,if u have school going kids?
They're home educated
Will l be able to access my overseas pension once I buy a one way ticket to Zimbabwe?
Yes
Yes you can it will just go straight into your bank account
In another video u said you farming venture failed, now you are confusing people.
I am not confusing people. The way I did it was wrong so it does not mean farming is bad.
MOVE TO GHANA WEST AFRICA, do not let anyone fool you, go to Ghana and you will never look back. Land is cheap with WESTERN CURRENCIES from $1000 plus, other places, they give you the land free and you pay for the paperwork. But do your due diligence and get a lawyer to help you purchase a land . Ghana has some of the best medical facilities for those that may need it
Gosh! You are telling me things that took me time to realise. UK is an illusion of a good life foe many. I am retiring in Africa...am already making plans.🦾🦾
It is definitely an illusion and wish you all the best with your plans
Well said
Thank you :)