Unfortunately 45 is not a good age but if you do not mind retraining as a teacher PGDE or PGCE in mathematics would get you a funding for your course and a job after in the UK.

Alejo2000:
Hello fellow Nairalanders,

I find myself at a crucial crossroad in life and would greatly appreciate your valuable insights and diverse perspectives. I have worked diligently in a private organization for 15 years, managing to save up to N20 million. Additionally, I own a 3-bedroom apartment. and a few plots of land in three different states in Nigeria.

Current Situation:
Recently, I was disengaged from my job, and this has prompted me to contemplate a major life decision. I am 45 years old, and my wife is 42 years old. Together, we have three children, two of whom are in secondary school.

Contemplating Relocation:
Given the circumstances, I have been seriously considering the possibility of relocating to another country with my family via study route. Two countries have caught my attention: the UK and Canada. I believe that I still have around 15 years of active career working life by the Grace of God, and I am open to exploring new opportunities abroad for the betterment of my family's future.

Reasoning:
The motivation behind this move is to provide my children with a better education and quality of life while also embracing new experiences. However, I am fully aware that this is not without risks, as it would involve utilizing my lifetime savings and making a fresh start in a foreign land.

Seeking Your Advice:
I humbly seek your honest advice and opinions on this matter. Here are some key points to consider:

Family considerations: How will relocating impact my children's education and overall well-being?

Age and career transition: Is starting anew in a foreign country feasible, considering my age and accounting background as my profession?

Financial stability: Should I be concerned about using my savings for this move? What steps can I take to ensure financial security in a new country?

Visa and immigration: What are the challenges and best practices in obtaining permanent residency in the UK or Canada?

Job opportunities: How promising is the job market for accountants in these countries? Are there viable prospects for career growth?

Investment options: Alternatively, what investment opportunities in Nigeria can provide a stable income stream for my family?

Conclusion:
I am deeply grateful for any advice, personal experiences, or suggestions you can provide. Your valuable insights will play a significant role in shaping this crucial decision for my family's future.

Thank you all for taking the time to read and respond to my post. Your support means a lot to me and will help me make an informed choice.

Warm regards,

For the sake of your children education, you can relocate to some countries that will pay you and your family for relocating or some school that you offer scholarship to international students.

Search on the net, you will find these countries and even on you tube.

Since you have not been in business before I will strongly advice against going into business, it is not as easy as that especially with the current situation in Naija.

For farming I invested in farming I regretted it because there are certain things I was not aware of, it is very easy to calculate expected profits on paper but not on reality.

Many countries are looking for you and your family, UK and Canada are out of these countries please.

Check you will get one.

In case you decided to remain in Naija, don't invest on business that you don't know anything about please and don't give that money to anyone to help you do the business. Hmmmm speaking from experience.

seuncyrus:


Sir, with your experience as an accountant. You're hotcake in most of these countries seeking skilled workers. If you have a Linkedin account (create one if you don't have) search for accountancy job and set your location to UK. Apply to as many as possible or use Indeed, jobserve, I don't believe schooling is the best way to go considering your age and experience.

false only auditors are hot cake and they must have big 4 experience and not normal accountants

My brother, rediscover your self and start something you have skills in and love doing and commercialize it. You have all it takes to start business. You can be going abroad for expansion of your business and explore more business opportunities. Nigeria is a great country which wil definitely come over the current challenges. Most importantly ask Almighty God for directions

Willie2015:


Farming is always sweet on paper...
Its a different ball game on the field...
Run away from farming ooo
Fulani herdsmen problem are real ooo

co-sign!

I have experience delving into this, directly with food (maize and cassava), and indirectly with livestock (poultry birds). Profitability is low, FOR ME anyway. Of everything I have invested on in my working life to date, agric brought me the least profit margin and the most stress. If you can find a way higher up the value chain to invest in (eg distribution, processing) then more profits can be realised there. I myself am trying to study some things so I can sink my teeth in that.

All the people advising farming are liars. With all the insecurities, fulani menace, poor roads, theft from farm workers. You are destined to fail and lose your money.

Alejo2000:
Hello fellow Nairalanders,

I find myself at a crucial crossroad in life and would greatly appreciate your valuable insights and diverse perspectives. I have worked diligently in a private organization for 15 years, managing to save up to N20 million. Additionally, I own a 3-bedroom apartment. and a few plots of land in three different states in Nigeria.

Current Situation:
Recently, I was disengaged from my job, and this has prompted me to contemplate a major life decision. I am 45 years old, and my wife is 42 years old. Together, we have three children, two of whom are in secondary school.

Contemplating Relocation:
Given the circumstances, I have been seriously considering the possibility of relocating to another country with my family via study route. Two countries have caught my attention: the UK and Canada. I believe that I still have around 15 years of active career working life by the Grace of God, and I am open to exploring new opportunities abroad for the betterment of my family's future.

Reasoning:
The motivation behind this move is to provide my children with a better education and quality of life while also embracing new experiences. However, I am fully aware that this is not without risks, as it would involve utilizing my lifetime savings and making a fresh start in a foreign land.

Seeking Your Advice:
I humbly seek your honest advice and opinions on this matter. Here are some key points to consider:

Family considerations: How will relocating impact my children's education and overall well-being?

Age and career transition: Is starting anew in a foreign country feasible, considering my age and accounting background as my profession?

Financial stability: Should I be concerned about using my savings for this move? What steps can I take to ensure financial security in a new country?

Visa and immigration: What are the challenges and best practices in obtaining permanent residency in the UK or Canada?

Job opportunities: How promising is the job market for accountants in these countries? Are there viable prospects for career growth?

Investment options: Alternatively, what investment opportunities in Nigeria can provide a stable income stream for my family?

Conclusion:
I am deeply grateful for any advice, personal experiences, or suggestions you can provide. Your valuable insights will play a significant role in shaping this crucial decision for my family's future.

Thank you all for taking the time to read and respond to my post. Your support means a lot to me and will help me make an informed choice.

Warm regards,

I'll say go for it if you can travel without selling any of your properties, especially the landed properties. But this will be difficult since you need to go via study route and you'd need money to cater living expenses upon landing.

It's still a dilemma.

franchasofficia:
Your situation is very dicey in the sense that you havent been doing business, starting one now when Nigeria has almost gone to the baboons, hyenas and jackals won't be an easy one. You may end up wasting the 20million savings trying to figure out the business and before you understand the business secrets, you may have folded up.


What does your wife do?


How about relocating alone first to countries like; Finland, Norway, or other unpopular Scandinavian countries for a masters? Finland have a very affordable masters programme for international students, Norway used to be tuition free for Nigerians not until this year they started charging high tuition fee if not, Norway would have been your best bet cos there are plenty jobs, I have people there.


Make more research about studying masters in Finland, etc. If it would cost you 10million to relocate alone, try it and use 6million to setup a pharmacy shop for your wife before you relocate.


But if that route will cost you more then try the next suggestions below:


Map out 10million and setup a pharmacy shop. Your wife will need go on an internship at any pharmacy shop for some months before yours is fully ready to get an idea of how to run the biz with the registered pharmacist you guys would employ.


Setup a small office for yourself to start consulting as a Chartered Accountant. Print good business cards and proposals and submit to supermarket owners, etc to help them organize their stock and bookkeeping, with time you will start getting jobs. Also add external auditing to your portfolio of what you can do.


Create a linkedin profile on this new business of consulting. Inform friends, Church members, clique about your new consulting firm.


Save 7million in a dollar account and keep 3million for running family for now.


Start now to guide your kids to love nursing, medicine, radiography, pharmacy, software engineering, etc. This will prepare them to face future with greater chance of survival.



May God see you through and please don't panic, you are still on top, fear will push you into depression and cause you to start making irrational and foolish decisions that will ruin your years of hardwork.



Remember you are still better than over 150million Nigerians out there.



I pray God guide you to make the best decision at this critical time, amen

This is filled with so much sense

@op pls look seriously into implementing this guy's suggestion.

It is not hard only that your chartered status is not recognised in Canada until you consolidate to do their own exams.

Your degree will still get you a senior technician role but often times you also need advanced excel skills. I do not know if things have changed but a lot of people from Asia and Africa end up doing unskilled work unless you retrain.

What is the area of specialisation of your wife.

Alejo2000:


It is hard to get sponsored visa for my field of study. I'm a Chartered accountant.

As for relocating, I don't know but with what is happening in this country it is not a bad idea .
3 businesses you need to start immediately if you decide to stay back in Nigeria.
A Big bet9ja shop in a good location will not fail.
3 car wash business in strategic locations will keep keep your bank account growing.
A classic barbing saloon.

Dont travel abroad.

There are uncountable people like you travelled abroad and regret.
It is hard to make money in abroad, that is why most people say there is no money in abroad.
One can make money easily in nigeria than abroad.
There are plenty business opportunities in nigeria.
Even if you need to pay expert for advice for guidance, do.

If I have what you have I won't contemplate traveling at all.

Stay here and invest, you will be fine.

You can travel for holidays with your family.

Alejo2000:
Thank you for this advice. I will think about your proposal and see how it will work for me. I honestly appreciate your time.

Please, if you have ideas on how someone can be a middleman in farming values chain. Please you can share. Thanks

Pay close advise to this wise counsel I'm about to give you.

With that money they you have with you, you can use like 4-5million and construct several standard fish ponds where you will be raising catfishes.

Catfish business is a gold mine... The market there is something else, everyday people consume fish and you don't need to market your fish, once people know that you are into catfish business, they will come to you by themselves... That is the beauty of the catfish business.

Start and Invest in catfish business and you will never regret it.

Make sure you work with a professional catfish personnel that will guide you right and you will thank me later for this wise counsel.

You don't need to Japa to anywhere.

Invest in catfish business and you will never regret it.

Alejo2000:
Hello fellow Nairalanders,

I find myself at a crucial crossroad in life and would greatly appreciate your valuable insights and diverse perspectives. I have worked diligently in a private organization for 15 years, managing to save up to N20 million. Additionally, I own a 3-bedroom apartment. and a few plots of land in three different states in Nigeria.

Current Situation:
Recently, I was disengaged from my job, and this has prompted me to contemplate a major life decision. I am 45 years old, and my wife is 42 years old. Together, we have three children, two of whom are in secondary school.

Contemplating Relocation:
Given the circumstances, I have been seriously considering the possibility of relocating to another country with my family via study route. Two countries have caught my attention: the UK and Canada. I believe that I still have around 15 years of active career working life by the Grace of God, and I am open to exploring new opportunities abroad for the betterment of my family's future.

Reasoning:
The motivation behind this move is to provide my children with a better education and quality of life while also embracing new experiences. However, I am fully aware that this is not without risks, as it would involve utilizing my lifetime savings and making a fresh start in a foreign land.

Seeking Your Advice:
I humbly seek your honest advice and opinions on this matter. Here are some key points to consider:

Family considerations: How will relocating impact my children's education and overall well-being?

Age and career transition: Is starting anew in a foreign country feasible, considering my age and accounting background as my profession?

Financial stability: Should I be concerned about using my savings for this move? What steps can I take to ensure financial security in a new country?

Visa and immigration: What are the challenges and best practices in obtaining permanent residency in the UK or Canada?

Job opportunities: How promising is the job market for accountants in these countries? Are there viable prospects for career growth?

Investment options: Alternatively, what investment opportunities in Nigeria can provide a stable income stream for my family?

Conclusion:
I am deeply grateful for any advice, personal experiences, or suggestions you can provide. Your valuable insights will play a significant role in shaping this crucial decision for my family's future.

Thank you all for taking the time to read and respond to my post. Your support means a lot to me and will help me make an informed choice.

Warm regards,

You don't have to go to Canada via study route. Like someone advised, learn French aggressively for one year. I mean learn it like your whole life depends on it. Attend french classes, listen to French people talk, speak French and become very comfortable with it. Depending on how much progress you have made studying, you can go to Togo or other francophone countries for 2 months for language immersion. Then write TCF canada or TEF Canada. You will spend money learning

This was what I did. I didn't go to Togo though.

This way, you can preserve your 20million and use it for proof of funds when you get invited to apply for Canada PR.

Join the Canada TEF thread and the express entry thread in travel section.

If you are considering this route:
1. Find out if you are eligible for FSW on Canada dot ca using good ielts score plus B2 french. If you have a masters already, that will be a plus.
2. If you are eligible, apply for credential evaluation with WES Canada.
3. Start your French journey and while at it, write ielts general.
4. With your language scores and WES report, create an express entry profile. When you get invited, apply for PR.

Not an easy route but it's doable.

Alejo2000:
Hello fellow Nairalanders,

I find myself at a crucial crossroad in life and would greatly appreciate your valuable insights and diverse perspectives. I have worked diligently in a private organization for 15 years, managing to save up to N20 million. Additionally, I own a 3-bedroom apartment. and a few plots of land in three different states in Nigeria.

Current Situation:
Recently, I was disengaged from my job, and this has prompted me to contemplate a major life decision. I am 45 years old, and my wife is 42 years old. Together, we have three children, two of whom are in secondary school.

Contemplating Relocation:
Given the circumstances, I have been seriously considering the possibility of relocating to another country with my family via study route. Two countries have caught my attention: the UK and Canada. I believe that I still have around 15 years of active career working life by the Grace of God, and I am open to exploring new opportunities abroad for the betterment of my family's future.

Reasoning:
The motivation behind this move is to provide my children with a better education and quality of life while also embracing new experiences. However, I am fully aware that this is not without risks, as it would involve utilizing my lifetime savings and making a fresh start in a foreign land.

Seeking Your Advice:
I humbly seek your honest advice and opinions on this matter. Here are some key points to consider:

Family considerations: How will relocating impact my children's education and overall well-being?

Age and career transition: Is starting anew in a foreign country feasible, considering my age and accounting background as my profession?

Financial stability: Should I be concerned about using my savings for this move? What steps can I take to ensure financial security in a new country?

Visa and immigration: What are the challenges and best practices in obtaining permanent residency in the UK or Canada?

Job opportunities: How promising is the job market for accountants in these countries? Are there viable prospects for career growth?

Investment options: Alternatively, what investment opportunities in Nigeria can provide a stable income stream for my family?

Conclusion:
I am deeply grateful for any advice, personal experiences, or suggestions you can provide. Your valuable insights will play a significant role in shaping this crucial decision for my family's future.

Thank you all for taking the time to read and respond to my post. Your support means a lot to me and will help me make an informed choice.

Warm regards,

I have a friend who is in the same situation as you: has #20m to spare but currently unemployed. He's also considering relocation and asked my opinion on whether to start a business or japa a few weeks ago.

So, I've thought long and hard about this.

If I may, I'll suggest you get another job, even if you think it's below your market value. Reason being that it will keep you from depleting your savings too fast. That shouldn't be too hard given your experience, especially if you reside in Lagos, Abuja, or Port Harcourt.

Whilst there may be gain in japaing, you can't say for sure how things will turn out. And the last thing you'd want as a family man is to have the costs eat away at your savings and leave you even more vulnerable than you currently are.

In your shoes, I would stay back here in Nigeria, get a job that pays well enough to allow me save some, and train my kids along a path that will make Japaing easier for them.

About business, I wouldn't risk it. Many businesses are suffering currently, so I'd rather wait it out and see how things turn out. There isn't much gain in running a business in a society with low purchasing power. Of course, some will still thrive, but what's the guarantee you would under the same circumstances?

Nigerfine3:
My friend and his wife once made such decision. I advised against it, they said that thier definition of success is THEIR KIDS SCHOOLING IN USA.
7 years down the line, one kid in university, others doing well in high school but parents have been living from hand to mouth.
There isn't anything you could do with accounting degree. You would surely start afresh with other jobs that feeds you and family without savings.
The kids enjoy free secondary education, you labour Latour Latour. If you are the kind that can't stand having savings per month, you might not survive it.
Go to oyo, osun, states or ilaro side in ogun state, get big farm land against next year.
You can farm up to 100 acres of cassava, under good farm manager( with help of locals too), you would make unimaginable profit after one year.
Invest the remaining money in little thing to feed family before the harvest starts.
Planting season starts March, buy land learn it next year start work

The best advice so far. Invest in farming either crop or Animal farming. Pls poultry excluded. You can message me, as I will give you business plan for animal farming that you won't regret.

Guide your 20m naira very well. Don't entertain pm anyhow from Nairalanders

yewit37486:
Such a polite OP. Wish you all the very best whatever decision you make. But please, do not make your decision in a haste, make sure it is well thought out, and most importantly seek God's guidance - that's the ultimate, as what is hotcake today can be yesterday's news tomorrow.

I honestly like the OP
Very well spoken

I wish him the very best

DaddyRochie1642:




Pay close advise to this wise counsel I'm about to give you.

With that money they you have with you, you can use like 4-5million and construct several standard fish ponds where you will be raising catfishes.

Catfish business is a gold mine... The market there is something else, everyday people consume fish and you don't need to market your fish, once people know that you are into catfish business, they will come to you by themselves... That is the beauty of the catfish business.

Start and Invest in catfish business and you will never regret it.

Make sure you work with a professional catfish personnel that will guide you right and you will thank me later for this wise counsel.

You don't need to Japa to anywhere.

Invest in catfish business and you will never regret it.

Unless you will be the one selling it yourself. Marketers will rip you till your bone is showing. Cost of fish feed is high

A305:
Send your kids and you stay back.

Support them from here; Invest in them and let them know they are your retirement plan for the future.

Back home here — Engage in businesses building Materials, cement etc. I didn't say business but businesses.

This looks smart

Jayzx:

Unless you will be the one selling it yourself. Marketers will rip you till your bone is showing. Cost of fish feed is high

He has the money, he can afford to feed the fish.

I speak from experience.

Alejo2000:
Thank you for this advice. I will think about your proposal and see how it will work for me. I honestly appreciate your time.

Please, if you have ideas on how someone can be a middleman in farming values chain. Please you can share. Thanks

Pls run from farming!! Your 20m can turn 20k within a very short period!!! Speaking from experience. No allow any yeye middleman rip you off or you being the middleman by entrusting your resources to a so called expert… it will end In premium tears. Farming isn’t for the faint hearted

Backpedal:

This looks smart

Will moving with the kids deter them from studying abroad too? Nothing smart about it. In as much as you want a better future for your kids and wards, that doesn’t mean the parents should stop living!! They are quite young

Badadvisor:

Really?
The total amount(total amount to be budgeted)should cost like how much for a masters program including pof?

For single person

Tution £12,000
You pay 80% of tution to get Cas and before enrollment
£12,006 living expenses
Pof will consist of remaining balance of tution + 12,006
Application fee : check on uk gov website
Ticket: depends

Humble opinion

Forget the student route to the UK, unless you find a job straight away when you graduate, you will need to re-study in order to stay in the country.

The other option is to come in through the health work visa option (5 year stay) but it will cost a fortune and you need to be careful as there is alot of scammers in the African and Indian community scamming individuals.

Lastly you can start a business in naija but I don't live there to tell you what to invest in.

Good luck

inception101:


Will moving with the kids deter them from studying abroad too? Nothing smart about it. In as much as you want a better future for your kids and wards, that doesn’t mean the parents should stop living!! They are quite young

the fact about life is that we don't always get what we want based on the circumstances we are presented with.

Sometimes the best thing that should be done is not the most desirable.

I'm all for everyone moving abroad
But if it comes to it
The kids can go
While parents remain

[quote author=gabbytabby post=124693470]Unfortunately 45 is not a good age but if you do not mind retraining as a teacher PGDE or PGCE in mathematics would get you a funding for your course and a job after in the UK.



Please can you shield more light on this?

Backpedal:
the fact about life is that we don't always get what we want based on the circumstances we are presented with.

Sometimes the best thing that should be done is not the most desirable.

I'm all for everyone moving abroad
But if it comes to it
The kids can go
While parents remain

The parents staying behind isn’t the best option too. With the current economic reality, the parents can’t sustain funding of the kids. That’s the bitter reality. 1150pounds is 1.150m naira

Alejo2000:
Hello fellow Nairalanders,

I find myself at a crucial crossroad in life and would greatly appreciate your valuable insights and diverse perspectives. I have worked diligently in a private organization for 15 years, managing to save up to N20 million. Additionally, I own a 3-bedroom apartment. and a few plots of land in three different states in Nigeria.

Current Situation:
Recently, I was disengaged from my job, and this has prompted me to contemplate a major life decision. I am 45 years old, and my wife is 42 years old. Together, we have three children, two of whom are in secondary school.

Contemplating Relocation:
Given the circumstances, I have been seriously considering the possibility of relocating to another country with my family via study route. Two countries have caught my attention: the UK and Canada. I believe that I still have around 15 years of active career working life by the Grace of God, and I am open to exploring new opportunities abroad for the betterment of my family's future.

Reasoning:
The motivation behind this move is to provide my children with a better education and quality of life while also embracing new experiences. However, I am fully aware that this is not without risks, as it would involve utilizing my lifetime savings and making a fresh start in a foreign land.

Seeking Your Advice:
I humbly seek your honest advice and opinions on this matter. Here are some key points to consider:

Family considerations: How will relocating impact my children's education and overall well-being?

Age and career transition: Is starting anew in a foreign country feasible, considering my age and accounting background as my profession?

Financial stability: Should I be concerned about using my savings for this move? What steps can I take to ensure financial security in a new country?

Visa and immigration: What are the challenges and best practices in obtaining permanent residency in the UK or Canada?

Job opportunities: How promising is the job market for accountants in these countries? Are there viable prospects for career growth?

Investment options: Alternatively, what investment opportunities in Nigeria can provide a stable income stream for my family?

Conclusion:
I am deeply grateful for any advice, personal experiences, or suggestions you can provide. Your valuable insights will play a significant role in shaping this crucial decision for my family's future.

Thank you all for taking the time to read and respond to my post. Your support means a lot to me and will help me make an informed choice.

Warm regards,

With due respect sir, my candid advice will be based on some uncertain assumptions of mine in the sense that you will relocating with any viable assurance or guarantee to the life you dream of after relocating. Which involves a lifetime risk indeed.
So I will love to assume myself in you shoe and do the following.
1. I will remain here in Nigeria.
2. Project a business driven city to relocate to, that is if your current location isn't stable.
3. I will decide the capital into 3. 2 for business and 1 to carter for my family needs and expenditures.
4. Start two different businesses not necessarily at same time.
5. Work on them as if your their your only means of survival.
6. Be consistent and be patient in the process for 2-5 years.
7. The world is yours to explore.

inception101:


The parents staying behind isn’t the best option too. With the current economic reality, the parents can’t sustain funding of the kids. That’s the bitter reality. 1150pounds is 1.150m naira

Well.....
Life's intrigues....