Mindlog:


Ask Nigerians that did their Msc here in the UK, how many of their course mates were British?

Anyone here in the UK with a NVQ Level 3 Diploma (equivalent to OND) in Electrical and Electronic Engineering ·will get employed before a Nigerian who obtained Msc Electrical and Electronic Engineering.

Go to many factories and warehouses in the UK and see many Nigerian Msc graduates working as packers to earn their honest daily bread with Eastern Europeans whey no enter university for one day, as their supervisors and managers. ·

This life sef...

Broveens42:



Stop telling lies on this platform.
The road to ANOH is not the worst in Nigeria because it's under construction.
The Gas project will be commissioned soon and there's no way imo governor won't asphalt all.

The earlier you believe it, the better for you.
Imo state is the second most built up state in Nigeria

Please lie intelligently. Do you know what "built up" is? You people talk anyhow! Even within the region, Imo isn't the most built up state.

Imagine the unintelligent lie!

maxiuc:
he's saying the Truth

Now it is raining season come to Owerri first and see

Uzodimma first tenure 4yrs he used it to construct 3 federal roads while the state roads are in shambles now his second tenure he's building fly over at control this will take another 4yrs just come to Owerri you will cry there are many depilated roads in Owerri and there's only one construction company working in Owerri which is Craneburg construction company so tell me how can only one company handle this....... Rural areas are in God's hands infact this year raining season no one will dare bring out his car , the roads leading to the two timber market in Owerri is a death trap. ..... Just come to Owerri and say uzodimma is working

If not for the beautiful girls in this state, I have never considered the state to be worth it.

Mosdiii:
I know her very well. She isn't the one who posted that. It was an angry boyfriend she recently broke up with. The matter has been reported to the police already. The guy wants to tarnish her image and also blackmail her.

Hopefully, he is dealt with ruthlessly! Because she said "I am not doing again", he resorts to blackmail.

cloud:
I have learnt not to hurriedly believe everything that pops up on the internet. Not that I'm saying the advert is false, but isn't there a possibility that a scorned ex or someone who's not in good terms with her could have put up this advert just to publicly put her to shame? Funny enough, it could even be one of these loan apps trying to tarnish her image for defaulting on a loan repayment. The bottom line is, sometimes you need to open up your mind when you come across such things.

Or she could be one of those girls who collect money from men with the promise of visiting them, but later rescinded. Those guys are ruthless on Facebook. If a girl collects money for coitus, but refuses to meet up, they escalate the matter and deploy all means to ensure she returns the money. The earlier she does, the less the damage. The slower she takes, the more damaging their actions.

The Oga at the Top is Allah Kaduna on Facebook.

Kelechi009:


Lmaooo i hollered, crazy ass country. I do not know what anyone sees in Australia, I never liked that country with their nonsense wild animals. Very far in distance from any where except New Zealand.

Salaries are pretty high, but yes, it is too far from where one can meet friends and families.

Not like I am any different sef.

tensazangetsu20:


Lol this used to be true those days but men it doesn't fly anymore. There are Nigerians who didn't even go to school who are working in big companies. I know people in tech who didn't have any degree and are working at places like Google and Facebook and these are Nigerians o. The world now is mostly about the skills and value you have to offer and not necessarily the school you went. Yes, going to a top school helps but how many Nigerians migrating are going to top schools.

Strong passport is good but strong passport without money is useless lol. My target for a strong passport is strictly based on economic activities and not necessarily travelling. There are people with these passports who can't travel cause they are broke. Sapa is a worldwide phenomenon. Economy is developed yes but no one is going to hand over anything to you. Believe me, you have to show and prove competence. There are people abroad in good countries who can't still get jobs but these time around you can't blame anyone like tunubu or phcn

I won't lie o, should MT read this post, he would be laughing saying, "I told you people".

Namaster:
Even though this sounds like a conspiracy theory, I will not be surprised if they follow through.

We are DEFENCELESS. We depend on white pepple for our military supplies. Amongst other things, too.

Nigeria is the most powerful black nation in the world and 80% of European and North American countries will lay waste to our country in a war.

The most painful thing is South Africa. Although it's a mixed country, it still has a large number of black people. Yet this African country chose to give up its nuclear weapons and stop all research into nuclear weapons.

The result is a continent full of POWERLESS countries whose existence rest on the benevolence of other WHITE nations.

It was forced to as a result of black rule coming to power. The white man would be uncomfortable with a majority black country owning nuclear weapons.

tshtsh:

Money is what it can do for you oohh. Exchange rate only means something to me when I'm travelling to Nigeria. Ability to make good money anywhere I find myself is more important than all this exchange rate thing

Shey na wetin I bin dey preach since?? People think it is by earning so-called 1 million in naira equivalent every month without considering the actual spending power of their earnings in the country they reside in. Ultimately, na why I dey emphasise that people should have fewer children and plan their lives accordingly. No dey born born up and down.

...

Badmashiii:


Bro some ashawo also do hook-up codedly.

Yes, they do as hookup pays higher depending on the platform they pose themselves.

Vinnie2000:

In Nigeria, These Rival Fans are like Cat and Rat and can NEVER see eye to eye.

Batists vs OBidients
Chelsea vs Man Utd fans.
Davido vs Wizkid fans.
Ronaldo fans vs Messi fans.

Which of these Rivalries do you Feel is the BIGGEST?

I am sure the mods erased the Yoruba Christians vs Yoruba Muslims aspect as it got to the front page. Nevertheless, it is important to state that neither group has rivalry. Yoruba Christians and Yoruba Muslims are one and the same people. That was how ignorant and naive Igbos believed Yoruba Christians wouldn't vote for Tinubu, only for him to outrightly win Ekiti and Ondo - two Christian-dominated states in the SW. Peter Obi came a distant third in all the states in the region.

The earlier you people understand Nigeria for WHAT it is, rather than what you EXPECT it to be, the better.

https://www.nairaland.com/7225545/why-peter-obi-step-down

Bongadu:


Bloated link , anyone can write bloat and post Texas na just spics and white peeps with little bit africans

Cali and Atlanta have more blacks than Texas You hardly see a black person in east Texas

Yeah, I should believe one random Bongadu, not Pew Research?

Clap for yourself!

Bongadu:



There are way more blacks in Cali

https://www.keranews.org/2022-08-17/more-black-americans-live-in-texas-than-any-other-state-but-many-are-reconsidering-their-future-here

https://en.wikipedia.org/wiki/African_Americans_in_California

https://en.wikipedia.org/wiki/African_Americans_in_Georgia

https://www.pewresearch.org/social-trends/2021/03/25/the-growing-diversity-of-black-america/

I didn't even check the information before posting it. There are more African Americans in the Southeastern part of the US. So, how can California have more blacks than Texas?

cutecommend post=129660424[b:
]Some accidents may be ritual sacrifices in disguise[/b], but people may say it is caused by carelessness or over-speeding.. When satan wants to do evil, he sometimes masks it a normal reason, but the cause may be deeper.

Repent today and follow Jesus today while still you may. In eternity, it is only Jesus that leads the way to heaven; believe it or not. Repent from sin and accept Jesus today.

How come such doesn't exists in neighbouring African countries like Benin and Togo? Don't they do juju too? Sometimes, you religious nutjobs reason through your armpits!

franchasofficia:
Southeast:
Owerri Imo State (1st choice)
Onitsha
Aba (slow land appreciation)
Enugu
Southsouth
Asaba (my preference based on experience)

Portharcourt for those that wish to but I can't invest in Portharcourt.

Thank you. In all, building and selling makes sense apart from Port-harcourt where rents rates are appreciable. Except, say, rents in Asaba and Enugu have gone through the roofs. The narrative I get about Onitsha for rents makes me see it as a city filled with poor people.

chyzoo4u:


Your knowledge ends where your exposure ends.

But you have not been open regarding how one can amass enough funds within a year to purchase a property in the UK with cash. That is where the problem is.

AngelicBeing:
Chai, Nairaland posters has turned the discussion to Nigerians in Nigeria versus Diasporans, forgetting that the system/ incomes/ purchasing Powers/ minimum wage / earning Powers / taxes in Both climes are million times apart and are not the same

It is actually an exciting discourse. I love it and have "followed" the thread sef. As long as the Internet exists and there exists a growing number of Nigerians in the abroad, we would, and should, get more of these threads. It is a good one, considering Nigerians are not known for being open and honest on financial issues.

I hope to contribute to such topics in the near future.

Eriokanmi:
You're not getting my point. The SA you mentioned, they didn't buy them outrightly, it's on loan. Even students aren't left out over there. There are people here too who can embrace a car loan option but aren't doing so. Apart from the fact that people don't like anything debt, our system isn't made for that yet. Maybe with government orientation on people, those who would prefer to take a loan would embrace that. I remember when I was telling someone about an atm in Nigeria in the 90s. He said thieves would take the money away, that we can't have atms in Nigeria. Today, nobody says that anymore.

I know of a few friends who can afford new cars but prefer to be driving their old but well maintained SUVs. They don't want to get noticed cos of insecurity in town. You can't say someone who owns 2 hotels in lagos eith 3 children can't afford a new car or take a loan for a new one. Orientation needs to change , for those who may consider that. Are you saying Morocco or egypt that you quoted have richer people than Nigeria of over 200m population?

You have made great points in this thread. For the bold, it is largely because of trust. Nigerians are not very honest compared to Africans elsewhere. Ordinary loans by loan apps, Nigerians try to distort the system and outrightly refuse to repay their loans. Then na car loans?

Eriokanmi:
I tried not to spill the beans but I think I should...each time I visit Disneyland Adventure in LA, I hardly see blacks not to talk of Nigerians there. Na so so white. One day I asked myself, don't blacks too enjoy life?

There was a day I spotted a blackman. The way we looked at each other was strange. I'm sure he must be thinking...so a blackman like me too is seen here today. Its same experience everywhere in fun and tourist sites. Where are they? You have the answer.

Maybe the concept of visiting such places isn't a black man thing. Also, there are fewer blacks in California compared to say Texas or Georgia.

franchasofficia:
I will respond to you in details.

I am writing from experience too, and I am sure my experience far outweighs yours for so many reasons.

First, I don't live abroad permanently, I have the advantage of being on both sides which gives me a better understanding and leverage than you.
Rented apartment in Nigeria is not profitable you are very correct with that based on experience too. But not that you will build a house with 40million and collect 500k annual rent that's fallacy, except you built a mansion in your village. House rent in Lagos Mainland (Ikeja, Ajao estate, Anthony, Gbagada, Oshodi, etc) and even Island is not childsplay, you can recoup your investment in like 10 years.

In most of these areas, a 3bedroom flat is rented between 1.5m to 2.8million a year. If you used 100million to build a storey building of 4 flats, if you collect 2.5m per flat multiplied by 4 that is 10million, if you do it for 10 years you have recouped your investment. Rent increase is also rampant in these areas, I speak with experience as one that have....

Buying lands is far more profitable in Nigeria, that is absolutely correct because I do advocate this, and I have mentioned this in my previous comments months or years back here. I also said it here. I say what I do. I advice people based on what I have done not heard. I own lands in various states in Nigeria and I know it's very profitable to buy lands in Nigeria, especially in fast rising city areas.

Now let's go back to mortgage abroad. I have never got one before and dont plan to until I am ready and will definitely be buying outrightly, my elder brothers did so and I follow some of their footsteps because they are highly successful.

I have had a relative got his property foreclosed by bank after he died and wife couldn't meet up, so where is the generational wealth? Mortgage is mortgage you guys should stop painting it otherwise. Abi the various news of foreclosure and stuffs abroad, na ghosts them get those mortgaged houses being foreclosed by banks and lenders abroad? I don't like anything loan; be it house mortgage, car loan, anything loan.

Everything I own, I own them 100% and that is what I advocate and commend. I don't like people that live their life on borrowing and loans. The bank lending you money doesn't love you, they are praying for you to default so they can foreclose your property, that is where and how they make more profit.
Many people abroad lose their mortgage properties to banks and lenders, please tell us why?
I will advice any Nigerian man living abroad to first invest in properties in Nigeria before going into mortgage housing abroad, I stand on my initial advice.
A friend and his wife made instant millions through Lagos property investment (build and sell in Lekki area) during Buhari regime that dollar first got its mad rise.

He and his wife quickly got loan in the country they lived, he came back to Lagos then, bought land and built two semi detached duplexes which they resold twice the loan they got and paid back the loan and owned the second semi detached duplex which they later sold and used the proceeds to enter fully into build and sell on the Island and today they are mega millionaires which he always thank God for that he wouldn't have ever made such money working and investing in abroad in a short period of time.
Being a smart Nigerian with intelligent/honest business friends around gives you an edge to make money from leveraging being abroad as a Nigerian.
Build and sell on Lagos Island made a lot of smart Nigerians living abroad rich overnight while the dull stubborn ones who think life begins and end abroad remain there working their asses off and mortgaging their lives in the name of dull investment idea of going into house mortgage.

There are lots of business ideas you can make so much profit from as a Nigerian living abroad by leveraging your living abroad as a Nigerian if you open yourself up to people in the know, which are far more profitable than going into mortgage to brag to your fellow average fellows that you now own a house, when in reality you don't actually own the mortgage house until you finish paying.

You made great points. Thank you.

- Regarding Lagos, compared to the East which you have been advocating (we know why), recouping one's investments in Lagos is faster than the East.

- Which are the fast growing cities in the South East and South South?

Regarding your friend's story, someone else narrated a similar experience, which makes sense as rents are paid annually or two years rather than monthly. So, yes, that is a good model by leveraging being in the abroad and Nigeria.

shaybebaby:

You are comparing specific areas in lag to whole countries, lol.

Why don't you compare Lekki and Ikoyi ( so called high brow areas) to the Hamptons in Newyork or Chelsea in London?

But majority of Nigerians don't live in those areas nor do Americans or brits in the areas I mentioned. Let's stick to what gives for the average citizens in these countries.

Next Ownership!

Asset (which means ownership): House

Liability ( how your Asset is financed I.e.debt: Mortgage.

Equity: Asset less Liability.

Now let's focus on the Liability part (mortgage).

At the point you enter into one, what you are effectively saying to the bank is, lend me Bleep amount of money and I'll pay you back over an agreed period of time. Banks are not charities, so they want to minimise the risk of you defaulting on the loan + maintain the time value of the money they are giving to you. How do they do this?

1) a lien on your Asset. Meaning if you don't pay me my money, I'll take this thing ( house) to recover what you owe me. Also it means if you sell the Asset and are paying off other debts, they are first in line amongst all your creditors.

A lien does NOT mean the banks own the Asset, if in doubt, go download the financial statement of any bank. What you will see is as their assets( receivables) is the value of the loans they issued.

If the banks own these houses as you say, then it would be recorded as a different Asset class namely PPE( property, plant and equipment. But it isn't.

So banks do NOT own these properties.

Interest is charged to maintain the time value of the amount loaned. A pound today is worth more than a pound next year because of inflation. Interest is charged to hedge the impact of inflation over the term which you will repay the loan+ a risk premium.

Now because your loan is backed by a security, is is deemed less risky by the bank. This is why mortgage rates are ALWAYS lower than say your credit card which is an unsecured loan.

In both cases, ownership belongs to the loan holder not the loan issuer.

Thank you for the breakdown. Nigerian men are emotionally tied to the country yet are not interested in ensuring it is a functioning place to live.

franchasofficia:
Most of you guys are misinterpreting and misunderstanding people's criticisms of this story which most Nigerians love to tell without details just to make people feel that they are now big.

A lot of Nigerians (business owners mostly) can afford to buy outrightly, a detached or semi detached duplex in the UK, US, Canada or any other western country if not for certain factors.

Before the rapid plummet of the value of the naira, I agree with the bold.

Mortgage houses favor married women abroad than men, so any Nigerian married man abroad hurrying to get a mortgage house when he hasn't acquired enough properties and investments in Nigeria and in other African countries is nothing but a fool that will leave to regret it sooner or later. Only married Nigerian ladies abroad celebrate mortgage house, real Nigerian married men abroad don't celebrate such feat unless they have invested enough back home, it's not a wise decision for a married Nigerian man to do, unless your wife is working and ready to contribute 50% or more for the mortgage.

What if the Nigerian man isn't interested in returning to Nigeria or anywhere in Africa at all? There are men like that too. But for those who intend to return, I agree that it makes to have a house Nigeria and at the same time, have a house in the abroad.

Houses are costlier in highbrow areas in Nigeria than it is in US, UK, Canada, etc. The money used to buy just 1 plot of land in Lekki phase 1 will buy a semi detached duplex in Houston, Birmingham, Dallas, Atlanta, Halifax, etc. The money used to buy a plot of land in Ikoyi or Banana Island will buy a celebrity mansion in most US, UK, etc cities.

Apples to oranges. You compare highbrow areas in Nigeria to highbrow areas in the abroad. On that note, houses in highbrow areas in Nigeria are not more costlier than those in highbrow areas in the West.

Many Nigerian business owners are richer and financially better (without stress) than most Nigerians abroad, but the issue in Nigeria is the recent level of insecurity and inflation brought upon Nigerians by useless Buhari government and continued by Tinubu's stolen regime If not for insecurity, nothing would have made me to live outside Nigeria permanently, unless they will make me President of that foreign country
If not for insecurity and high inflation in Nigeria now, anybody that owns his own successful business in Nigeria is far better off living in Nigeria than migrating abroad to do 5/9.

Again, apples to oranges. You are comparing successful Nigerian entrepreneurs in Nigeria to Nigerian employees in the abroad. You compare entrenrepeurs in Nigeria to entrepreneurs to those abroad. Nonetheless, I somewhat agree that financially successful Nigerians might be more stable than their counterparts in the abroad as they mostly generated their wealth via physical businesses rather than through the stock market.

Imagine if $1 = NGN250, and £1 = NGN310, tell me why someone that makes a profit of between NGN700,000 to NGN2,500,000 monthly should relocate abroad? Talk more of those that make above 2.5million monthly after expenses without stress or worries?

The value of the naira isn't even the major issue. The Yen and Won of both Japan and South Korea are significantly lower than the dollar yet their business people arent interested in living in the West. The problem is the dysfunctional nature of Nigeria, not the currency valuation.

In as much as I encourage young Nigerians of today to relocate abroad if they see an opportunity to leave legally, let's not make it seem like those back home are in horrible state when in reality, most in Nigeria are doing far better than those abroad legitimately.

Agreed.

Na insecurity and Naira depreciation by useless APC led governments since 2015 destroyed Nigeria and made it hopeless

The bold it is.

tomibecca:


I am currently conducting my final year research and this issue is where my topic is centered on.Please how can I contact you to at least get an interview(online ) concerning the Implications of the ban not only on the citizens affected but also on the relations between Nigeria and UAE

I am not living in the UAE. Your best move is contacting Nigerians living in the UAE. Try NaijakitchenDubai on Instagram and the numerous Nigerian communities in the region.

UjuJoan2:


The difference now is that people want quick money. Do you know what it takes for a graduate to serve food and wash plates in a restaurant? And learn how to braid and sew? Only months before then I was sitting in the front seat of a handsome dude’s car forming “babe” Do you think it was easy to walk away from that kind of luxury to face hardship? How many young girls of nowadays can do that? But even in the relationship I face oppression that I knew would only get worse in marriage!!!

gs are hard now and it’s okay to follow men for money. What kind of mother would I be?

You have done well for yourself and family. Well done.

I agree with the bold too. People want it quick quick whereas legitimate wealth takes time to build.

Elvictor:
I see some anti-japa posts celebrating this news, no matter how bad it is over there in UK, it will still be better than Nigeria owned health sector, have you been to the general hospitals recently?

How is it like?

Alexbio:
Do hook up girls or regular Ashawos have sex without condoms in Nigeria?

First, we have to differentiate between hook up girls and ashawos.

Hook-up girls are those who engage it for various reasons, such as having fun/youthful exuberance and making money. The primary reason is to make money. They can stop or drastically reduce the frequencies when they have something better than it. It is not always done, and they are usually selective. Also, they are more secretive in posing for prospective clients because they don't intend to do it for long. Women of all walks of life can be classified under this category. The summary is that they have more to lose in the long run, so they do it strategically.

Ashawos, on the other hand, do it for a living. They have nothing to lose as they don't intend to leave the lifestyle anytime soon. They can be found in all places as the need to get a client is extremely important - they do it for a living, remember.

Now, to your question: ashawos are more likely to demand for condoms as it is extremely important in that line of business. The same also applies to hook-up girls, but the likelihood of convincing a hook-up to allow for unprotected sex could be higher depending on the level of relationship one has with the said girl. A sugar daddy, for instance, can have it raw with her, but not the random dude she met on Tinder.

If yes what is the degree of their acceptance?

Already answered.

If yes what part of Nigeria is it common?

All parts of Nigeria, but more prevalent in cosmpolitan areas and majorly in the South South and South East. Generally, the higher the number of Christians in an area, the more liberal attitudes they have towards sex.

If yes is it relatively common now?

What is relatively common? Hook up is common, ditto ashawoism. It depends on what you want. What you want, you go to find it. Hook up babes are online and offline.

Thanks for your audience and contribution sir/ma.

To get more detailed and first hand responses, go to shopping malls, restaurants, bars, hotels and areas where you have tertiary higher learning institutions.

dontrulee:
Which kind stupid research be this?
Does this look like a brothel or a hookup club?
You can't find your answers here Man

Yet you went ahead to respond to a "stupid" research.

UjuJoan2:


What would you think I’m in my early 20’s. I’m almost 40 and I’m speaking from experience . I have a teenager at home so do the maths.

Apparently, you joined Nairaland in your mid-20s. My point is that period was a glorious one in Nigeria's economic history. That period cannot and shouldn't be compared to 2015 - present.

I don’t know if you making this argument to keep deceiving young girls into becoming semi-slaves in the name of financial freedom. I know for a fact that it NEVER works out.

I am not making any argument. People have the right to choose. I am stating that ladies marry out of poverty. It happens, that is my point.

Are you seriously trying to convince me that a woman marrying for money has ANY advantage? Aside from temporary relief? In the long run it always backfires. I have never seen it work out, except in cases where they both started out with humble beginnings!!!

Why not? It has its advantages.

I drive a car my husband bought, but I’m happier knowing I can afford to buy any car I like and he knows it. Do you think he can ever ask me to drop the keys to that car for ANY reason? I’ve seen that happen to women who are beautiful and smart, all because they thought marrying for money was a way out!!

While this is true, cases of it being positive also exists. There are good and bad people everywhere.

franchasofficia:
UK has adjusted their immigration policy and made it unattractive to most Nigerian Japarians.

Canada did same.

US has been a no go area since Trump's regime.

Germany is now delaying visa appointments, same with most other European countries.

When you join these points with high inflation making naira to lose its value, tell me how else you expect average Nigerians to japa?

The US has always been tough to migrate to legally and establish a stable residency. Even other white folks find it hard to emigrate to the US legally. The economic downturn has exacerbated things. H1B quotas have not been increased, and other legal routes take so much time due to clogs within the system.

The world is going to be more competitive as time goes on. Make people know how dem dey fvck o.

Sapasenator:


I totally agree with you.

In the absence of any alternative or help, hook up to raise capital is a viable alternative instead of giving it for free and when eventually successful, you can give testimonies of how God came true for you.

My motto is to use what you have to get what you want and when you get to the top, you can preach morality.

That is dishonesty. Preaching morality should be left to those who were moral in their dealings. Those who engaged in immoral acts should be clear on what they did. If you did hook up, state it clearly and explain the circumstances behind it. Don't lie.