Boss13:
@OP I think you made the first mistake to come here seeking advice. I have read all the comments and I’m not surprise with the comments here. I would drop some things here, but I don’t know if it would help you.

- Your N9m is relatively not much. However, if you are resilient you can convert that money to an empire.

- You already have a Masters, why go for another Masters again in Canada. If you are looking at education as a means to immigrate, please note there are other ways to immigrate to Canada apart from Education. What many people don’t tell you is the pains they go through during schooling. You don’t need to go through that stress to immigrate since you have a masters and why would an Employer employ an individual with 2 Masters. He seems confused academically or too expensive as a staff. The average highest degree in Canada is Bachelors and Canada is big on experience rather than academics. Canada is also big on soft skills than technical skills. If you want to immigrate, please note that you have to be prepared. You cannot escape Bills as it’s being done in Nigeria. Also, you cannot get rich quick or get rich at all, but you may afford the basic things of life which is treasured as Gold in Nigeria. You cannot oppress anyone abroad materially because the average Jones on the street is just like you and basically has everything you have. The only people you can impress is Nigerians in Nigeria or illegal immigrants. Nobody send you for abroad. So that Nigerian mentality of getting rich is useless.

- On the other hand, the business environs in Nigeria is tough and comes with challenges. I cannot tell you to go and do business because only you would face the challenge.

First, You need to sit down and evaluate your life. You seem dissatisfied. It’s normal. Do you want to switch job. If you get a job as a permanent staff, would you be more happy? If that’s the case, then start looking for a job. If you claim you don’t have time, then you don’t want another job.

Also, another question you should be asking yourself - why do you want to start a business? Do you have the entrepreneurial skills? Do you have the ability to be resilient when there are challenges? Are you a good sales man? Do you have people skills and can you manage people and motive them positively? Do you hate working for others? If these are your question, then start your business. If you cannot answer these questions, your N9m will go down the drain and put you under pressure.

Finally if you are considering the immigration route - why do you want to immigrate? Do you want to switch career or environment? Are you a flexible person that can adapt? Are you willingly to change your opinion? Can you integrate properly? There is no money to pick on the streets in the western world? You actually work thoroughly for every hour and on the hour? The Canada you want to run to still operates the Contract worker stuff. In fact it’s a normal practice, but as a contractor, you may earn more or less depending on your skill set, experience and the need for your skill. So you maybe running away from being a contract staff only to end up being another contract staff. It’s just a Nigerian perception crap and poor labour law that makes contract staff look like stench.

I have written more than I initially prepare to.

papascode:
Good day all,

I have been confused on what to do with the money I have saved. I am a contract staff in one of the banks and I have saved considerable amount of money over the years I have been working there. But I am tired of my job, as same as many of my colleagues who wish they had one quarter of the money I had saved to quit the job.

I am not a lazy man I am very hardworking as adhuged by my supervisors but the issue is I have stayed on one spot for too long and no promotion. My greatest joy is that I was able to achieve a masters degree in a federal university in nigeria while working but my job doesn't give me time to even look out for other jobs.
So please guys I am throwing this up here because I know on this thread there are people who have been in my situation before that made the better choice and are happy for it.
I have two very important decisions to make either to use the money I have saved to travel abroad for school for masters and hopfully settle down there or to stay here in Nigeria to start up a pure water production factory but Nigeria and it's uncertainties keeps discouraging me. kindly note that I have saved up to 9million naira to take up any of these ventures and I am 35 years not yet married.
Please I need honest advice to a brother there are some persons like me who will benefit from this advice we render.
Thank you

Millz404:



Bros if them dey drive keke for where you dey stay... Continue your contract job... Now this is what you should do


Brand new keke cost 660,000
That will get you up to 13 keke
Daily pay is 2500

As brand new... Mechanic problem no go dey for the first year

That 13 keke will give you 32,500 a day
32,500 x 25days a month minus sundays will give you
812,500 a month

Now multiply that in a year... You already have back your 9000,000

If you no want to dey get mechanic problem every time... After one year u can sell off all the keke... U go still sell am better money close to Wetin u buy am.

Join am like 4M buy new ones again....

Bros canada go be holiday trip

Mires:


Stop given wrong advise and people clicking like for you.

Who told you that if 91 days NTB is 10%, and he decides to purchase with #9m he will earn #900k quarterly?

My friend, you got it wrong. It will be #900,000/4 = #225,000 quarterly.

Mind you, TB isn't investment. It is an avenue to keep idle money afloat with inflationary pressure rather than keeping it in savings account, which will amount to losing value.

grossintel:
OP don't try this, you will lose your money. Talking to you out of an experience, except you will drive the Keke your self. Don't try this at home.

cluewebhost:
Nothing is Guaranteed

ogbonti:



Those that have ears, let them hear, best advise so far

mayo47:


Oga, this your calculation get K+Y leg. Re-check because this isnt true

Millz404:


See this man.... U never see two people wey start the same business, one run into debt, the other one succeed....

Business na good planning and opportunity

Ur problem na driver... Me u go pay the 2500 before you carry d keke for morning... Na new keke, give me story two times, i change u

papascode:
Good day all,

I have been confused on what to do with the money I have saved. I am a contract staff in one of the banks and I have saved considerable amount of money over the years I have been working there. But I am tired of my job, as same as many of my colleagues who wish they had one quarter of the money I had saved to quit the job.

I am not a lazy man I am very hardworking as adhuged by my supervisors but the issue is I have stayed on one spot for too long and no promotion. My greatest joy is that I was able to achieve a masters degree in a federal university in nigeria while working but my job doesn't give me time to even look out for other jobs.
So please guys I am throwing this up here because I know on this thread there are people who have been in my situation before that made the better choice and are happy for it.
I have two very important decisions to make either to use the money I have saved to travel abroad for school for masters and hopfully settle down there or to stay here in Nigeria to start up a pure water production factory but Nigeria and it's uncertainties keeps discouraging me. kindly note that I have saved up to 9million naira to take up any of these ventures and I am 35 years not yet married.
Please I need honest advice to a brother there are some persons like me who will benefit from this advice we render.
Thank you

grossintel:
Wait until your driver claims your keke was stolen at gunpoint with bullet wounds as proof. I will never advice anyone to do this business again.

fasho01:
Go to Canada joor.. Is that one hard to decide again

Millz404:


Do insurance, get the driver to provide guarantor

soledayo:
Hi guy...i rrlocated to Canada recently. My advise come to Canada and after few months u will be settled. You reap d rewards of ur efforts easily. Output will justify input....but it may take few months here o. Won't say anything about my Naija

Alex80s:
Rush to Canada. If you have seen their minimum wage, you wouldn't have asked this question.

papascode:
Good day all,

I have been confused on what to do with the money I have saved. I am a contract staff in one of the banks and I have saved considerable amount of money over the years I have been working there. But I am tired of my job, as same as many of my colleagues who wish they had one quarter of the money I had saved to quit the job.

I am not a lazy man I am very hardworking as adhuged by my supervisors but the issue is I have stayed on one spot for too long and no promotion. My greatest joy is that I was able to achieve a masters degree in a federal university in nigeria while working but my job doesn't give me time to even look out for other jobs.
So please guys I am throwing this up here because I know on this thread there are people who have been in my situation before that made the better choice and are happy for it.
I have two very important decisions to make either to use the money I have saved to travel abroad for school for masters and hopfully settle down there or to stay here in Nigeria to start up a pure water production factory but Nigeria and it's uncertainties keeps discouraging me. kindly note that I have saved up to 9million naira to take up any of these ventures and I am 35 years not yet married.
Please I need honest advice to a brother there are some persons like me who will benefit from this advice we render.
Thank you

Appliedmaths:
Mr OP, your 9million divided into 4 quarters of FG treasury bills with a min if 10% interest rate would fetch you about 900k * 4 yearly while you keep strolling to your contract job knowing you're functioning on full cylinders.

What you're feeling now is all in your head, don't squander that 9mill only to regret tomorrow oooo. For someone like me that loves risk, I'll multiply that 9mill by 3 given 1 year tops.

Study the pure water biz intoto but I believe there are more lucrative venture to multiply that cash.

Shalomc:
.

fopishow:
Sir, your calculation is very very wrong. Please dont mislead the young man on tbills.

papascode:
Good day all,

I have been confused on what to do with the money I have saved. I am a contract staff in one of the banks and I have saved considerable amount of money over the years I have been working there. But I am tired of my job, as same as many of my colleagues who wish they had one quarter of the money I had saved to quit the job.

I am not a lazy man I am very hardworking as adhuged by my supervisors but the issue is I have stayed on one spot for too long and no promotion. My greatest joy is that I was able to achieve a masters degree in a federal university in nigeria while working but my job doesn't give me time to even look out for other jobs.
So please guys I am throwing this up here because I know on this thread there are people who have been in my situation before that made the better choice and are happy for it.
I have two very important decisions to make either to use the money I have saved to travel abroad for school for masters and hopfully settle down there or to stay here in Nigeria to start up a pure water production factory but Nigeria and it's uncertainties keeps discouraging me. kindly note that I have saved up to 9million naira to take up any of these ventures and I am 35 years not yet married.
Please I need honest advice to a brother there are some persons like me who will benefit from this advice we render.
Thank you

olarwhumy6:
Recently my church invested 4m in first bank treasury bill which d duration is for 3months, they've received an interest of 270k. U can renew it after d 3mnths elapse.. mak further enquiries on it. I think d bigger d amount u invest, the bigger ur interests.