kimbra:
You said the gospel truth op. Those people live on credit card. Always working to pay off outstanding loans.

AkinPhysicist:
'Sir'Jeffrey:

Shouldn't the bobo ask the woman the same questions? What is good for the goose is good for the gander abi no be so?

SmartMugu:

That's a complete lie. Only idiots in America think that way.

Even the current president of the US - Donald Trump filed for bankruptcy 4 times. His explanation- " I'm smarter than most people".
Yet Africans fill a huge portion of the spot he meant - the gullible ones! They know themselves, they can only brag of one thing alone - a US passport. Afterwards, everyone else in Nigeria is expected to listen to them whenever they talk - that how most of them think in their shallow minds.

There go a Nigerian lecturing people here on how the credit system in the US works when it's apparent he hasn't gotten the full picture yet.

SmartMugu:

OP, your topic started with "abroad", your story ended with "yankee". Where have you been to to concoct this nonsense, "abroad" or "yankee"? I asked because you sounded like you have no idea what "abroad" means and probably is hell bent on making some goro-chewing cats on nairaland feel like they're prettier and smarter than Beyonce, Alicia Keys, Taylor Swift etc,

Abeg, deal with ur problem wherever ure located.

If you are having problems with talking to girls wherever you are in any foreign country, you don't need TB Joshua to help you solve your problems. Stop discouraging people by saying all the crap you said above. Their problem is different from yours. Who knows if you're dealing with erectile disfunction? There you go trying to tell females to come to people like you and avoid others. Who wants to come to something that can't stand up as needed?

Na you suppose control ur idea, na ur idea dey control u. Abeg go si down.

ikp120:

US dey owe China over $1 trillion. That's one of the most indebted country on earth. I wish Naija fit get up to $100 billion debt talk more of $1 trillion.

SirJeffry:
My brother, na the ladies dey suffer in man hand pass for this kind issue naa. I know say na greed dey cause am shaa.

pweetychyka:




Wehdon sir.... Anambra man to the core

SmartMugu:

That's a complete lie. Only idiots in America think that way.

Even the current president of the US - Donald Trump filed for bankruptcy 4 times. His explanation- " I'm smarter than most people".
Yet Africans fill a huge portion of the spot he meant - the gullible ones! They know themselves, they can only brag of one thing alone - a US passport. Afterwards, everyone else in Nigeria is expected to listen to them whenever they talk - that how most of them think in their shallow minds.

There go a Nigerian lecturing people here on how the credit system in the US works when it's apparent he hasn't gotten the full picture yet.

MsNas:

You're almost right except for the debt part. You don't have to have debt or service them to build up a superb credit profile. I run my bills through my credit cards then pay it off by the due date. I let a small amount report to the credit bureau though and then pay it off before incurring interest charges. That way, I don't have CC debt but I have some utilization reporting every month. Max of 15%.

InvertedHammer:


The sleazy ones use bankruptcy to their advantage. Unofficial report shows that a total of 125 US Congressmen had filed for bankruptcy one time or the other. But lower middle class and "9-5"ers dread that word. Trump is standing tall today because of his business teflon skin. 50 cents was coached to use bankruptcy law to its greatest benefits last year.

Corporate bankruptcy is even worse.

/

MsNas:

Speak for yourself and your acquaintances auntie. Not all of us live on credit cards. I have multiple credit cards, but I don't owe anything on them, neither do I pay interests. I use it to build my credit profile and creditworthiness and get some cool cash back from them. Like I said, speak for yourself and for the people you know and not for all of us. Wehdone

SirJeffry:
Yes ooo, they call us stingy but na sense we get.

CplusJason:
That's the big mistake my cousin is making in Australia.

kimbra:
You said the gospel truth op. Those people live on credit card. Always working to pay off outstanding loans.

dingbang:
hi.. Are you married?

chukzyfcbb:
most of these fellas abroad live on debt aka mortgage.
infact I remember a survey that says just about 25% of the American citizenry had savings of at least $100,000

Hotstew:


Many of them don't understand how credit cards works. Tone they hear "credit" it means debt in their little minds.

bameyi:
SirJeffry pardon me and if you take offence am sorry.. based
You don't have to have credit to have a happy life. Two in the States there's a saying that cash is king most immigrants, buy their cars cash the only thing they apply for credit is home ownership. So debt profile is not import.

Living by your self if you are new as an immigrant pls. one of the best way to save is to have a roommate. If am not marry why not have a roommate. So what's the relevant of that question

SirJeffry you've never had an American experience.

CFCman:

It must be fewer people who have such an amount in their savings account.
I know that 75% of Americans cannot pony up $500 for an emergency; but we invest in 401k and other retirement plans.

MsNas:

Exactly. Invest in 401K and retirement. Depending on the terms of the 401K, you can withdraw or loan from it once a year. If you're like me, invest in 401K and also have a separate savings account that is not tied to terms like a 401K

Elrex:

CASH OUT SURE DIE AND LETS SHARE HUGE MONEY,
SUBMIT YOUR CREDIT CARD USA FOR TOP UP NEXT DAY CASHOUT 100%, AND ALSO SUBMIT ALL YOUR DROPS, ALL LOCAL BANKS AND CREDIT UNION FOR SURE CASHOUT NOTE...NO GHOST WORK NO LAZY CLIENT NO BUSY CLIENT
HONEST MIDDLE MAN ARE WELCOME GOD BLESSS US ALL

chukzyfcbb:
most of these fellas abroad live on debt aka mortgage.
infact I remember a survey that says just about 25% of the American citizenry had savings of at least $100,000

ikp120:

O boy, these guys have better business sense o. I was thinking that I am the only thinking like that o. I wish there's any serious credit system in Nigeria like US has, I for one would have taken out at least 10 million Naira credit for business purposes.

Those people are enjoying sha.

CFCman:

You invested smartly
I'll soon start a 401k investment; I'm only doing my research on the best deals out there.

MsNas:

Speak for yourself and your acquaintances auntie. Not all of us live on credit cards. I have multiple credit cards, but I don't owe anything on them, neither do I pay interests. I use it to build my credit profile and creditworthiness and get some cool cash back from them. Like I said, speak for yourself and for the people you know and not for all of us. Wehdone

MsNas:

What's the percentage of Nigerians that have #4,000,000 (roughly $11K) saved up? Not to talk of #36,000,000? Lmao. Mortgage is inevitable, except you have $400K stored up in the corner of your room to pay for your house cash down or you want to continue helping your Landlord pay for his mortgage via your monthly rent check. Your choice...pick one.