DjAndroid:
My cousin will relocate to the US early next year, what skills can he acquire here in Nigeria first in order to make ends meet over there? He is in his early 30's.

DjAndroid:
My cousin will relocate to the US early next year, what skills can he acquire here in Nigeria first in order to make ends meet over there? He is in his early 30's.

Nsogbu1992:
190k-100k =90k. Let's say your mortgage + student loan is 5k a month out of the yearly 90k. Your student loan might take 10years or more to pay off. You have roughly 2500 left per month. Out of that, you will have to feed. Pay your bills(phone, insurance, light and water e.tc). In addition to that, you also have to help those at home every month. Or should I also add that your people will expect you to build a mansion at home. Then, after all these expenses, what's in your pocket? Look, if loan was that good, Steve jobs would have finished school. But he dropped out. He once spoke out against that outrageous cost of higher education. Don't let the suite and tie of those guys deceive you. Most of them have almost nothing in their bank accounts.. get closer to them, you will find out.

AAinEqGuinea:


Sure, there are few people who managed to monetize a legitimate hustle, but you're only as strong as your weakest links. 'Giant of Africa', 'Lion of Africa', thats a tall order in which I'd argue Nigeria has regrettably failed to exhibit. Nigeria's leadership cant live up to the potential of its people. There are only a few African giants while the rest of Nigeria starves. Babies being flushed in gutters, young people go to college just to become jobless, starving, or victims or witnesses of jungle justice or another man's selfish ritual, poorly sustained public services and infrastructure, no more exploited oil; many people are now conditioned to live like animals just to survive. The government created this mess and those giants and those enabled by them continue looking out for themselves, now behind the guise of restructuring. When you're facing challenges of Nigeria's magnitude you can do anything anywhere, but is it worth it?

Just about every black race has a chapter were they've shown exceptional abilities. First Black doctor here, Fine Black NASA scientist there, Black reincarnate of white everywhere... We're all living by standards we never created, but this is an area I'd love to see Nigeria shine either in the UK, America, or NAIJA . But history has proven that once the black race competes to live up to white standards that this is also where most blacks fail or tend to look out for themselves rather than the betterment of the group/country/tribes/race. Once Nigeria's greed discovered oil, the giants always looked out for themselves. Once Nigeria's fearless greed found Jesus, the pastoral giants never stood up to the government on behalf of the people and have only looked out for themselves for the most part. I could go on, but admittedly Nigeria isnt alone here, but then again the title of "Giant/Lion of Africa" is a tall order in which I believe Nigeria or Biafrans can do it, but until that time, come over to America, lets talk about it.

bigfrancis21:


It depends on what carrier he's into. I could advise you well. What course did he study/would like to study?

Nsogbu1992:
190k-100k =90k. Let's say your mortgage + student loan is 5k a month out of the yearly 90k. Your student loan might take 10years or more to pay off. You have roughly 2500 left per month. Out of that, you will have to feed. Pay your bills(phone, insurance, light and water e.tc). In addition to that, you also have to help those at home every month. Or should I also add that your people will expect you to build a mansion at home. Then, after all these expenses, what's in your pocket? Look, if loan was that good, Steve jobs would have finished school. But he dropped out. He once spoke out against that outrageous cost of higher education. Don't let the suite and tie of those guys deceive you. Most of them have almost nothing in their bank accounts.. get closer to them, you will find out.

sonnie10:



You got it totally wrong. The student loan is spread over 25 - 30 years but with interest. The interest is about 4% if federal loan.

That means for 100k loan you pay back about 8k a year. That is less than 700 hundred a month

So if you have a job of 120k, your monthly take home should be 10k (less tax) out of which you pay the 700 hundred for loan.. Not bad if you ask me.

Since you mentioned mortgage, even if your monthly payment is 3k, you still have about 6k left.

sonnie10:



You got it totally wrong. The student loan is spread over 25 - 30 years but with interest. The interest is about 4% if federal loan.

That means for 100k loan you pay back about 8k a year. That is less than 700 hundred a month

So if you have a job of 120k, your monthly take home should be 10k (less tax) out of which you pay the 700 hundred for loan.. Not bad if you ask me.

Since you mentioned mortgage, even if your monthly payment is 3k, you still have about 6k left.

DjAndroid:
My cousin will relocate to the US early next year, what skills can he acquire here in Nigeria first in order to make ends meet over there? He is in his early 30's.

Nsogbu1992:
current grad school apr is 6.2%. 4.6 is for undergrad. and imagine yourself being indebted for 25-30years. Your monthly mortgage + bills can never come out to be 3k. Please also bear in mind that you will have to pay income tax which falls at 28%. Depending on which state you live in, you also have to pay state tax as well. Your house mortgage will also be another 30 years. Picture what happens when you loose your job. Then, won't you have family? Won't you provide for your kids? Add everything up and tell me how much you will save up. Imagine yourself being indebted for the rest of your life. My brother is that a good feeling? Don't be a slave for life bro. My advice is go there, save up if you can, come back and be your own boss without owing anybody. Loan is good, but I refuse to be a slave for my entire life (30 year!).

sonnie10:


Have considered that you are building equity in your mortgage?

Have you considered that at the end of every tax year, with a mortgage, kids and such income you would get up to 10k back?

Have considered that if you are married, she would most likely be making same amout (Likes beget likes).?

Have considered that most houses do increase in value, especially when the economy is strong. That is money you can cash on.

Have you considered that you can sleep with both eyes closed and your doors opened?

gokuu:


On point! We Nigerians have to learn to play the long game. It's myopic to think financial leverage is simply bad.
I even hear that w/o a credit score, you'd find things extremely tough to accomplish cos then you have no footprint that shows your level of financial responsibility.

banmee:


Hopefully he is going there with legal status and if he is, his best bet is to join the military. It is the fastest way to land on your feet in America if you are an immigrant. He doesn't need to do it for long. He can start with a three year contract and in that three years, he would build his credit, have enough money for college or complete college and also buy a house.

PrecisionFx:




Going to a foreign country @ over 30 is a very bad idea. he should be careful.

Nsogbu1992:
Chief, you better remain in Naija. Don't go and be a second class citizen in another man's land. If people outside will tell you what they really go through, nobody will agree to live naija. So, tell your brother to remain here with us bro. If we all run away for these politicians, who will push them to do the right thing. As for me, I was born here, and I am going to die here. Am not going anywhere. By the time you spend a year or two there, you will understand. Good luck �.

arena07:
so any Nigerians that is over 30 years should not think of relocating to other countries?

PrecisionFx:




It's not a good idea to do so. But anyone who wishes to can do it. But if u ask anyone who lives or lived abroad they will tell u the younger the better, usually @18.

ADENIKETINA2015:
Plumbering. I plan to relocate pretty soon too. Our politicians can have the country

DjAndroid:
My cousin will relocate to the US early next year, what skills can he acquire here in Nigeria first in order to make ends meet over there? He is in his early 30's.

snowland:
To begin with, what is he relocating there for? Education or what? Does he have permanent residency or work authorization that would allow him to work legally? If answer is yes to the work authorization question, then the advise below would suffice.

Tell him to learn some Automation Software Testing Tools like Selenium WebDriver or HP UFT. He can also learn some Test Manangement tools like HP ALM or JIRA. I know about all these tools because I work with them and I know how much experts in those tools are being sought on a daily basis.

If he doesn't have the time to learn all the listed tools, he should try and learn Selenium WebDriver and maybe HP ALM.
He can get the Selenium Training video course on www.udemy.com for $10.

He will thank me later.

GidiChoice:
Sales Force Administration

TDonald:
Skull Mining

gokuu:


Pls give advise for someone who studied Finance.

ADENIKETINA2015:
Plumbering. I plan to relocate pretty soon too. Our politicians can have the country

ADENIKETINA2015:
Plumbering. I plan to relocate pretty soon too. Our politicians can have the country