₦airaland Forum

Stallion93:
Op just find way start any business, even small business. Try to hide your pride and fight for your stomach, This Nigeria is a terrible place indeed, after all the school fees and project submissions etc. My sis Who studied accountancy has been home for 10years now without any job whatsoever. Someone Said even Yahoo, just enter if u see chance

How does your sister cope with boredom and depression as a result of unemployment? And how does she survive with food,clothing and transportation for 10 years after graduation? She ought to have started a small business after waiting for too long for a job. It's never too late to start a small business.

tolani4real:
Most people don't even make $60000 you are talking about even with degree unless your field is in engineering or health care industry. Only few jobs are actually paying $60000 or above. Most entry level jobs salary range is between $30k - $40 for graduates. The money is big to us in naija but we never factor in taxes and other expenses. One bedroom in good area is about $1000. This country is built for people to be able to live comfortable and enjoy basic needs not for wealth accumulations

You are very right ohh. I just confirmed from my Caucasian American. Men, America is casted.

femidejulius:
You are a learner. It is open secret that AIT and Raypower staff members are always owed months of salaries.I have known this for over a year now. I think some former staff members were even complaining about it on an old thread here.

You haven't answered my questions. How will they cope with feeding and transport fare to work for nine months without salary? Definitely money is coming from somewhere at there place of work. Let's reason with logic.

2RUTHHURTS:
AIT, seconded by non, my brother after working for a year and 1 Month.... Was owed 9months salary and resigned two years ago and hasn't been paid till date.

I doubt you. How was your brother feeding and having money for transport fare to work despite being owed 9 months salary? Then where is he getting money to go to work during the nine months period he was owed by AIT?

Just30:
wow
even your foolish leaders wont make the kind of comment you just made here
why should any company leave or expand from a very lucrative country into a place where total money in circulation is less than 100 billion dollars
not forgetting, they will have to invest 6 times as much as they are investing in their current location
Just to make less than they are making ?

You know nothing about business. Nigerian companies are very ambitious and pan African. Our companies such as Dangote, Zenith Bank, UBA bank, GTB, and so on have expanded to several African countries.

Have you wondered why Nigerian companies are finding it difficult to expand and dominate south African market? It's because South African is a match for Nigeria in all ramifications. South Africa is richer than Nigeria and that's why only south African companies such as DSTV, ShopRite, MTN have the guts to come to Nigeria and dominate it's market.

I am not crucifying Ghana as a poor country but the fact is Nigeria is richer than Ghana. The size of our economy is bigger than Ghana's.

Just30:
Ghanaian don't want to be in Nigeria because Nigeria is too poor
why should they waste their investment in a country where total savings at bank is around 100 billion dollars?
That is far below the amount of money circulating on mobile money in Ghana

You are a fool. Mention one single Ghana company operating in Nigeria and I will give you thousands of Nigerian companies with branches in Ghana. Thereby creating jobs for Ghanaian. Even Alomo Bitters producer was chased out of Nigerian market due to competition.

The fact is Nigeria is richer than Ghana and accept the truth. Nigeria is a big brother to Ghana just as America is a big brother to Canada.

I hate people that argue based on sentiment

I am not surprised. Women are generally self centered. When they make sacrifice for a man, they always want to reap the rewards alone.

That's the major reason mothers and daughter in-law frequently have clashes because they both see each other as competitors.

zinaunreal:
US military veteran

What the hell is he still doing in America if he can't pay a debt of just 50,000 Naira ( $150)? How can he afford to build a house in Nigeria?

Your family has to talk to him and ask what he is doing with the money he earns from pension and other entitlement as US military veteran.

zinaunreal:
No success yet. I have left the money for the old man. But im shocked and wont look at him or America in the same way

Are you really sure your uncle is based in America? Because 50,000 Naira ought to be a peanut to someone based in America and pay you.

ifyalways:
Sorry but I'm not sure I've got any advisory for you BECAUSE I am not a fan of starting/trying a business venture with a loan. I'm old school and firmly believe that the best way to start a business is by saving up for it yourself that way :
You'd be super extra careful before you dabble into anything considering that you'll always remember how hard you laboured, deprived yourself of certain pleasures before you could put the money together.

If the business flops, you cry, pick up some lessons and move on without hbp as opposed to thinking of how to repay gbese if it was a loan.

All the best. Shine, Shine, Shine your eyes. Real business in Nigeria grows slowly. . . Don't expect to make much profit or hit a jackpot in your first 3 years. It takes at least 4 years to break even. If anyone tells u otherwise or lures u into a fast money making venture be ready to lose your money. Since you asked for my opinion let me quickly add that I would return that money if I were you so I can have rest of mind. I can only accept or take loans for dire health issues :- my opinion.

You are wrong to say business takes at least 4 years to break even. There are some business that break even within 6 months and it's a reality in Nigeria despite the infrastructural challenges.

Secondly, there is no problem in starting a business with a loan in as much as the interest rate is very low or in single digit. I have a lot of friends that started their business with bank of industry's loan at 9 percent interest rate and paid back the principal and interest within 18 months.

@OP, I will advise you to start a business you have passion for. You must also have deep knowledge of the business by conducting your feasibility study and trainings as well as having a mentor that is already in your intended business so that you can learn from his/her experience.

Olalan:
Simply make your house not available in a diplomatic way......you can tell him you have relatives around.

He doesn't tell me directly that he wants to have sex with his female friend in my apartment. He will just tell me they want to cuddle only. What he does is that he will flush the used condoms in the toilet and keep the condom pack into his pocket when leaving so that I won't notice.

Yesterday, he flush the used condoms after he was done with the girl but forgot to keep the condom pack hidden under my sofa. When I was mopping this morning, I saw it and opened it. I saw two condoms used up but remaining one n the condom pack. When I called him this morning about the condom pack, he denied it. But I know it's from him because he took it from my bedroom. And it's the only condom remaining in my bedroom.

delugajackson:
It's either you get married or you tell him straight to his face that you're no longer comfortable.

Is he the type that leaves your bed scaterred and your pillows on the floor? Is he the type that litters your room with used tissue and packets of condom? Does he soak you bedsheet with loads of semen? Does he mess up your kitchen with unwashed plates of indomie?

If he's such a person, then just tell him look, man. I don't want you bringing girls to my house for sex anymore. This isn't a brothel or a slaughter slab. This is my zone, my fortress of solitude. I respect our relationship and the fact that we're very good friends, but I think it's time we started acting like reasonable people. My privacy means a lot to me and I expect you to understand that and respect me as well.

But if he isn't the type, then perhaps you should try something else, like dilplomacy for a change. I'm sure you know how to go about this. The truth is, what you allow is what will continue.

Sometimes, I do wonder what is the benefit for having friends. Because keeping friends they constitute nuisance to one's life.

oge4real:
Guy, I don’t like it when you bring girls to my house for sex, please stop.

I hope you know some friends can be unreasonable when you expect them to understand you.

Hello nairalander,
I need advice on how to tell a friend to stop coming with his girlfriend to my apartment to have sex. This friend of mine, we went to the same university and know each other from there. He is based in Akwa Ibom and into palm oil business. When he comes to Lagos for supply to stores, he resides at his parents' house which is very close to where my apartment is.

However, when he wants to have sex with a girl in Lagos, he brings her to my apartment because he knows I am not yet married. Rather than sleeping with the girl in his parents house. I am tired of it and I don't like it but I don't know how to tell him so that it won't end our friendship. He is quite an intelligent and ambitious man.

What do you think I should do about it?

aariwa:
Op its obvious things are not going well for you in your life and you decided to vent your frustrations on people who are obviously living better than you by calling .."almost all of them doing well fraudsters..".You challenged them to an online duel waiting to beef them but but they are busy with their lives.There are many opportunities in this country which you fail to see because you are fixated on US visa.If your intention is not US visa why can't you go to threads of Nigerians in china,Singapore, Thailand etc and discuss tourism,importation of spare parts etc .Sometimes I wonder whether our youths in this country are cursed or lazy like what buhari called them.Go get your PVC to vote

Hey man, what the OP is doing is right. It's high time we illuminate Nigerians who always think the grass is greener in America. We have heard stories of well paid business executives resigning from their jobs and sell their properties in Nigeria to relocate to America. When they to get America, some of them begin to bite their hands.

If you have any facts to counter the OP, you are welcome. You just don't assume people making comments on this thread are jobless. What is even your networth? Nonsense.

Dino melaye is a clown

lynnfeb:
Good day Nairalanders, I am sorry to bother anyone this Sunday afternoon but I can't help it.

What is suppose to be a thing of joy is gradually eating me up right now, I feel very sad doing this.

I put to bed day before yesterday, but as we speak I don't have a dime to be discharged from the hospital. I wouldn't have been in this bad predicament but we had accommodation issues but hubby was just able to sort that out on Wednesday. He is also out of job.

I am so heart broken right now, can't even do anything right.

Please I don't mind proofs if anyone is willing to assist.

Thank you and God bless

Your husband and you are both jobless yet you get impregnated. If nairalanders help you to offset the hospital bill, how will you feed your new baby? I guess you will ask for financial assistance again to take care of the baby. It's high time people take responsibility for their actions and stop coming to nairaland to beg always.

.

SifonAbasi:
Hello Nairalanders, good afternoon and happy weekend.

I have been a guest on this forum for some years now. I just created this acct because of this situation I am in. Please I need advice.

There's a guy I met in 2010 and we started dating, in 2013 we broke up since things didn't longer go well between us.

After our breakup, we remain friends. He called me and I called him.

I noticed ever since we broke up, he has not been in a relationship and I didn't bother to ask him why, while I have been in several relationships since our breakup.

Whenever I am in need of financially and I have no one to turn to, I most times go to him for help and he's always ready to offer help whenever he can.

One day in 2015, I had challenges raising my school fees, I was able to get half of it so I went to him for help to balance the fees.
He told me that he is going to offer the help on a condition that I have sex with him. Since I didn't have anyone else to go to and the deadline for my fees was approaching, I accepted his condition. After all we have had sex before so it wasn't really a big deal.
He gave me the money and we had sex.

Since then, whenever I approach him for help I have to compliment him with sex.

Early 2016, I met him for help for my school project and he out gave me the money I requested for then asked for sex that same day he gave me the money.
I told him I am on my period that I will give him sex once my period is over and he accepted it.

After my period, I called him and told him that I was ready. He told me he was not in town I should wait when he returns. I told him no problem.

After then I didn't hear from him again. Four months later, an international number called me. When I picked the call, lo and behold he was the one. He told me he's on a course that when he returns back he will have sex with me to compliment that help he offered me during my school project. I told him no problem.

Late 2016, I met a new guy and we started dating. On May this year we got married. I called my ex to inform him about my marriage but the international number he called me with was not reachable including his Nigerian number.

On Wednesday this week, he called me and told me that he's back in the country and he asked me when I will be chance to come to his place and fulfill my promise of having sex with him. I told him that I am married. I tried calling him to tell him but his numbers were off.
He told me that marriage shouldn’t stop me from fulfilling my promise and he reminded me of how kind he was to me during my days of needs. I thanked him for his help so far then told him I will refund his money back even with interest but he said no.
That our agreement was sex and not a refund.
I told him I will get back to him.

Yesterday evening he called again.
I ignored his calls then sent him a text that I will call him today evening when my husband goes out.

Dear Nairalanders, I am really confused.

Please what should I do? I don't want to break my marital vows.

Please pardon my grammar and typographical errors.

God bless you all.

Why did you always run to him for financial help? Don't you have relatives to ask for money from? The relationship you both had is trade by barter. He provided the cash for you while you gave him sex in return.

That's why he had the audacity to ask for sex even when you are already married now because you have not fulfilled your own part of the trade by barter.

londoner:
People get to America coming from a variety of situations some get to the US on the green card lottery. Some through marriage and some through student visas that allow part time work . You can start saving when you start earning and that's what people do depending on their situation.

It's false to suggest that you have to start saving after your first ten years of being in the US. I think when you saw that by your calculations gets you to 90k you are trying to move the goal posts by trying to reduce the once 15 years to save down to 5 years to save.


If some people have stayed for 20 years with 'nothing to show for it' ( whatever that means) others have something to show for it. They are not rare in fact.

The OP is even generous with his analysis. Saving money consistently is not easy. Not everyone can save. I like his analysis and he knows what he is saying. That's why few people have been able to dispute him.

londoner:
People get to America coming from a variety of situations some get to the US on the green card lottery. Some through marriage and some through student visas that allow part time work . You can start saving when you start earning and that's what people do depending on their situation.

It's false to suggest that you have to start saving after your first ten years of being in the US. I think when you saw that by your calculations gets you to 90k you are trying to move the goal posts by trying to reduce the once 15 years to save down to 5 years to save.


If some people have stayed for 20 years with 'nothing to show for it' ( whatever that means) others have something to show for it. They are not rare in fact.

.

LuciferChristi:
Do you have facts to back up your claim that they pay 200k?

Because I have my facts.

Actually, it's from hearsay. I have no real facts about their salary scale.

classysupanova:
that's not true at all, I have worked there before, it's all stipends

I am surprised they pay stipends because they are a reputable estate valuer approved by banks and government.

LuciferChristi:
Erase that lie from your brain now & declare whoever told you that an enemy ASAP.

Do you have any facts to back your statement that they don't pay that much?

useni1:
Does it matter? The whole is global now and the reality can be felt all over. Explain to us how is it possible to save over $100,000 in 15 years..Mister statistics

Wow! You seem to be well prepared with your facts. Which is what I want to read than mere hearsay. A standard duplex in a good location plus the cost of land will take more than $100,000( 35 million Naira) in Lagos to build or buy.

I heard Jide Taiwo & Co pay their estate valuers salary of 200,000 Naira Monthly. They are popular estate valuer in Nigeria.

useni1:
Why don't you dispute what I wrote there instead of attacking my personality? Well I guess the truth hurt so deal with it. Thanks.

Do you live or have lived in America? You need to explain if your assertion is from your life experience or statistics on the internet?

Tehila07:
I had thought that love has bigger roles to play in marriage. I was wrong. I got married at 36 when I thought I had seen someone who loved me.

While dating, I was not spending money on her because she has a job and was not complaining. I ride okada for a living hoping to go into a business soon. Before marriage, I use to have spare cash of about 10k always. Even if that 10k is spent on something, I would recover it within a week. She told me that if money she spends on feeding and what I spend on feeding are added together, we would feed ourselves and save more. But since we got married, I labour hard to ensure she has whatever she needs. Now I'm stretched to the limit and can't cope anymore. She has money in her bank account but said she's saving for raining days. Anytime she wants to perform online banking, I do it for her. Two days ago, I wanted to buy data, and I transferred money from her account to the seller and I brought out the money and told her seller accepts bank transfer and I don't want to go and queue in the bank for lodgement. I would have informed her first, but she was busy attending to visitors and her phone was with me. She was angry and said "I will change my password." I replied that the only favor she did me was saving my journey to the bank. She said if she has cash in hand, she would be tempted to spend it. So, it's me that should not have savings?

I don't feel like having sex again because of the depression and she is now angry that I'm turning her down. Now I'm planning to leave home and return whenever my situation improves. She can cope because she has enough money.

Why the financial pressure on me is too much is that we are both 36 years old and friends keep trouping to our house to wish her well. As a man that manages resources, I entertained guests from my family once for the past two months we got married because it's not my town but hers. She keeps asking me for money to entertain guests. Some friends made it a habit of visiting twice weekly, while she keeps showing me off. When she asked for money for food yesterday and I told her I had no money, she has been moody since then, thinking that I'm hiding money from her.

This was a woman, that, last week, when I said I couldn't afford a particular asoebi that only concerns me because it's costly, went to the market, bought it, and took it to my tailor. Judging from her recent actions, I won't wear that cloth except I'm able to refund the money.

P.S: Love is just a rhetoric - humanity died long ago.

Why did you marry a 36 years old woman as your wife. Don't you know she has bad attitude? That's the reason she was married very late. You should have investigated thoroughly about her character before marrying her. Marrying any single ladies above 30 years is disaster. Because most of them are desperate and pretentious.