₦airaland Forum

ppeoye:
We bought a house in 2024 and i had already started looking for a buy to let property but i had to suspend that due to the uncertainty surrounding ILR

Don't let that hold you back ooo.
Even if you leave the UK, an estate agent can manage it and send you returns though it'd require more planning.

2025 was a good time to get in. The market was slow and one could eck out discounts. I was able to get a rental yield of 8.1% on a decent property in the south which would have been unheard of a few years back.

BTL in itself ain't easy. An ETF may give better returns with much less hassle and unrivalled flexibility. However, property serves as a good means to diversify and there's the feel that comes with owning a tangible asset. There's the flex that comes with the phrase 'I own British property'.

I spent 1-2yrs looking and waiting for interest rates to drop and unlike when I got my personal place where I left my deposit in a cash ISA for peace of mind, this time, I invested my deposit in an ETF as I would rather be invested while waiting. This got me over 20% profit on my deposit by the time I was ready to buy. Trumps shenanigans would have been scary but the market rebounded sharply. Returns from the market helped me bid my time and wait for what I wanted. At a point, I was about to pull the plug on BTLs and just be solely in ETFs.

Reflecting on the last day of what has been an intense year for migrants worldover, the best migrant-centric UK-based news for me this year is captured below.

Indian nationals are leading the charge internationally, founding 684 new companies in the first half of the year.... Nigerian investors follow closely with 647 new incorporations, while Polish and Irish nationals also feature highly.
https://www.hamptons.co.uk/articles/international-landlords#/

The main cohort of Nigerians counted here would be those on a visa/ILR who are awaiting their kpali as those with one wouldn't have been counted as foreign. It shows that despite all the noise, we are pushing on. At least, if someone blames migrants for not being able to buy a house, there'd be some 'evidence' to point at.
Of note, this counts professional landlords i.e those setting up through companies. It does not include those renting directly and certainly not owner-occupiers. Also worth noting that most people setting up via limited companies hardly stop at one property. Many go on to have more just because of the nature of the market.


Caveats here would be
1. Starting a BTL company does not mean one has bought. Its a process but it depicts professional intent.
2. Some of these could be Nigerians resident abroad though this would be a miniscule number if at all significant.

AOI2016:
Hi Guys,

I want to know if its advisable to go for level 2 survey due to cost.

Will level 2 give enough details about the property.

I want to do the survey before I proceed with the mortgage application.
I have instructed my broker to hold on.

It depends on the property. Also take the age and general state into consideration.
Most homes built from the 1970s and have been in good general shape could make do with an L2

For most properties, a L2 survey will suffice. Some surveyors would even discourage you from an L3 if they think an L2 is good enough. If the L2 raises certain issues, you can then hone in on those

@op, why are you stereotyping all Nigerian men based on your father. As per your post, he has his issues. It does appear your father is weak with an inferiority complex which has framed the way you see him.

Cheating and domestic violence aren't also rare among European marriages which doesn’t make it any more acceptable.


This should serve as a lesson to some young Nigerian men here who have formed the habit of abusing their ladies in the name of redpill.. As a Nigerian man, its unlikely you'd have it better out there.

Brendaniel:
You still don't want to face reality....

Reality that if we don't start fixing basic things in our country the majority would be condemned to poverty?
Look around... the world is leaving us behind.

Of course this is wrong.

You dont compare prices between different countries without looking at relative earnings i.e affordability. Its like comparing the headline cost of Coke between two countries to determine where its 'cheaper'

Cost of flights within the UK and even between countries in Europe can easily be between £30- 200. The UK minimum wage is above £12 per hour. That means the lowest earner should be able to afford an air ticket to Europe after a days job (even after removing taxes). That's affordable.


Now compare that to Nigeria with a minimum wage of 70k per month and average flight cost of about 120- 200k. The minimum wage earner would need to work for upto 2 months to be able to purchase a flight ticket - that is without spending a kobo from their pay which is obviously not affordable. What's worse is that many people earn below minimum wage in Nigeria which is hardly the case in the UK.

Yes, certain airline inputs are priced internationally but people like Onyema shouldn't gaslight Nigerians to accept basic things being unaffordable.

Brendaniel:
And which Nigerian is going to do the bolded?

Between you and the government, who is the bigger joker?

The rest of your talk here is thrash because you are not facing reality...

Like I said, it's a step at a time.

You need to learn how societies work. Taxation is basic economics that has been going on for decades. A simple Google search on how others do it would help.

Brendaniel:
What has the subsidy removal and other tariff and tax increase done ?

Also how does the government plan to separate income and money inflow for non employed Nigerians?

I mean how does the government determine what is inflow and what is income into a person's account?

Self employed residents and business owners would need to submit their tax returns i.e a statement of how much they earned and the government tells them what tax is due.

Has it been stated the government would go perusing thru peoples account to decide who pays tax or not? Just to be clear, the revenue agency should be able to investigate people's account if they suspect fraud but that shouldn't be the norm

It can be argued that the receipts from subsidy removal haven't been used well but that's not a reason not to have taken it away. It was bankrupting the nation. Focus from the citizens should now move to mandating tax receipts are used appropriately. Taxation helps drive engagement in politics. When citizens understand it's their money the governor or his son is frolicking with, they reduce the 'dobale' and begin to demand answers. Also, progressive taxation is one of the few proven ways to reduce wealth inequality and give the many poor a chance.


Let's be clear- this is just being introduced and there'd be teething and compliance issues. However if built on, we'd have a robust system with time. Countries have had modern tax systems for several decades- the challenges we'd encounter are likely to have been adressed elsewhere.

Brendaniel:
When they said bandits, kidnappers and prostitutes will pay tax, what comes to your mind?

From what it looks like they plan deducting the tax from everybody's account based on the flow of money once it hits the thresholds for taxation, this is what I call tax banditry, or would they in their right senses expect bandits, kidnappers and prostitutes to walk into a bank or revenue agency to declare or pay their tax for their profession ?


That's why I look at the whole tax law as financial theft and fraud from the government...

And how does 'everyone earning above a treshold would be liable to pay tax translate into the bolded? No need scaremongering.

These tax laws have been one of the basic fulcrums of many advanced societies for decades. We need to decide if we want to move this country forward or keep our people wallowing in poverty. The standard of living and good things people see abroad were the result of deliberate actions

Poor regulation mainly with limited financial literacy

Humans world over are greedy and there is a general lack of understanding among the general polulace in different countries yet you don't see groups openly fleecing the populace in many countries without regulatory bodies stepping in and perpetrators facing the law

https://www.youtube.com/watch?v=gsrHr33aoWg

Stumbled upon this. Second time I'm seeing his video and it was interesting to watch. I wonder what our thoughts are

My take: The fallout of lacking wealth runs deep - a major reason why I'm against the 15yr ILR route is that it'd only make things like this worse.

Lower rates of home ownership does seem to be a huge driver of poverty among black groups. Home ownership via a mortgage was the economic miracle of the 20th century that underpinned many western economies. Notwithstanding the talk of st0ck market returns, for a migrant, it's extremely difficult to build wealth in the west without owning a home. For many, it forms the base upon which other things are built.
Yes, we need time to catch up but wealth also does compound. Without making the right moves, those who have might only just get more.

Merry Christmas and happy holidays to everyone. Nice to have a good stint off

AOI2016:
Hi Guys,
I'm a FTB. I met my broker today and we get a lender Skipton.
I suggested fix rate of 5 years but my broker advice i go for 2years with rate at4.14 and 5years is 4.22.
He said the rate will continue to drop even in 2 years.
Please I need advice on what to do.
I am thinking of 5years for stability but what if the rate drops further.

With the usual caveat that no one can guestimate the future, we can get some pointers from data available today.
I was in same situation 2-3yrs ago when rates were at their peak. Some said 5yrs for peace of mind but it didn't make sense to me as rates were the highest they had been in decades and inflation was falling.
I subsequently went with a variable rate which started at abt 5.6 and had dropped below 4.5 when I remortgaged in 2 years.

It's been mooted that rates are likely to settle at about 3% - though I think they may eventually drop a bit lower to spur growth.

Two things to consider:
1. Are there fees associated with this products? A 999 fee might tilt your decision
2. How about a variable rate for 2 yrs since the inference is that rates would drop more.

Personally, I'd tilt towards the 2yr fix but it's not a slamdunk

OmichaelO:
We got our Keys yesterday!

Thank you everyone for all the tips and assistance.

God bless you all.

It was a journey indeed.

From 31st August when we did reservation till now.

Congrats. Your Christmas present came early

NewT123:
If this isn’t racism, I wonder what else is?

Interesting.. the current narrative has emboldened mane.

The term 'third world' is a slur these days. Reason why I shudder when Nigerians refer to themselves with that phrase

.

HustlaOfLagos:
A lot of stats can be found here - https://www.gov.uk/government/statistics/dwp-benefits-statistics-august-2025/benefit-combinations-official-statistics-to-february-2025

I'd like to be non-working oooo for all the listed benefits and I'll vote for any gov that tries to implement this, especially the Asian ladies part

Interesting read. Quite harrowing too.
Funny thing is that migrants on a visa cannot access these benefits yet they're being blamed. One of the reasons I sometimes want Reform to win the next election. Lets see how they deal with cutting benefits of their voting base.

HustlaOfLagos:
After getting your legs blown off and you try to claim citizenship, they will remind you that being in the military isnt an excuse and that you have to wait for 20 more years.... and that you are a Nigerian... and they are doing you a favor

Hehe... Afterall Saudi Arabia does not give migrants the privilege of dying in theur wars..

House2:
I never knew some reasonable and intelligent writer like you are still on Nairaland
99% of people just react based on emotion and the sour of the moment in our society today. We are devoiced of the capacity to reason.
Listening to the sweet phonetics of Pastor Chris on this subject, people had already agreed with his myopic view about how Economics works.
From this video, its glaring the he doesn't have the basic understanding or knowledge of what progressive taxation entails.

Someone should remind him to stick to his preaching of the word of God.

The sad part is the gullible amongst us had already taken his views on this subject hook line and sinker

Stack illiterates everywhere

I would use derogatory words to describe ourselves though. People see things differently and I might have been against this if I hadn't seen how many successful nations build and sustain wealth.

ambale:
And has the government ever distributed any wealth equally??

They live beyond their means and keep the people in perpetual slavery

Isn't it worrisome that an average working Nigerian can't even live a good life without getting their hands soiled?

No government is perfect. We could start by holding those in power to account. That includes politicians when they waste money snd pastors when they say things like this.

If you want a country with a thriving middle class where the average person can buy a new car, live in a decent house, enjoy good healthcare and infrastructure, then we need to understand how modern economies work. The system we have now only guarantees poverty.

If there's one thing to note, taxation manytimes helps citizens to be alive to their responsibilities. People are more likely to demand better when they can see it's their money being spent.

matify83:
I will spell it out for you to understand.
Don't be carried away by the reprieve it claims to offer to the poor.

1- Did you hear when it was said that even prostitutes will pay their taxes?
Are these the people that government should be concentrating on if they have no alterior motive.

2- The law also stipulates that no TIN no bank account. Don't you suspect foul play at this junction?

3- small companies whose total turn over is less than 50m are said to be exempt from CIT. What government did not tell you explicitly is that, they are still required to file their financial statements through the TaxPro Max portal each year to maintain compliance status. However, if the company fails to file returns on time, the benefit of N50million threshold is lost. Trust that most companies will not keep a good enough account of their financial transactions for the year to qualify for the tax holiday

4-The large companies and high salary individuals whose taxes has risen to a 25% at the highest point are mostly the owners of these big companies and they will just plough back the taxes as cost of production thereby causing the cost-push inflation I earlier highlighted.

What the government did not take into cognizance is that the rich always have a way of avoiding these taxes as they can funnel their salaries and allowance into their company expenses and it is legal. Ask Trump why he brags about not paying taxes and he's not in jail. It's called Tax loopholes

5- with the Cost-push inflation, who takes the hit , it obviously the poor and middle class in the society.

6- This new tax policy to my mind is going to roll back the cashless policy as most Nigerians would start demanding cash payments to avoid exceeding the 800k threshold.

7- Other obnoxious clauses have also been introduced into the tax law that we are still oblivious of and it has been gazetted. It's only in court you may find out and it may be too late by then.

No government should ever be trusted. Heed this advice for the peace of your mind.

What's your issue with companies paying tax?
Companies pay tax on profit which comes after expenses. Any large company should know that they'd pay tax. That's their contribution to the wider society. As the society gets richer and the middle class increases, their profits increase.
Any company with a turnover of 50million that cannot get it's accounts sorted in time should face adequate penalties. This is not rocket science- it's how societies work.
We need to stop seeing taxes as just someone taking but as part of the cost to live in a decent society. What we should push for is it being progressive and amounts raised well used.

Let me ask, what would be your solution to the 'issues' you listed?

nairalanda1:


See agbado boy defending his master online, can't these people see that nigerians cannot afford a cup of alomo bitters again'

On a more serious note, thanks, even I have learned a lot. But the thing is, in a country where most people don't pay tax, and most don't like seeing the big picture, people just reject good things out of hand.

Meanwhile, oil prices are set to keep falling, and it will take ages to fix agric and minerals to the level where we was a major producer, and even then that may not help us much...so tax

Also, it helps us to become a nation of saner people...living in a sane country of actual rules.

I don't support APC, but for once, let's start somewhere, or we keep on borrowing. (Sadly the tax thing won't stop borrowing, but it will hopefully reduce it). Oil is not going to climb up to 100 dollars per barrel, and alternative energy gets better and better

A progressive tax system heavily benefits the poor and also the rich. It's about the only way to stop the rich from getting accumulating all the wealth and leaving the poor to chase crumbs. To be honest, I'm surprised it took us this long.

If we think the no tax band is too low, that could be adjusted with time. If we think too many will evade taxes, enforcement should be broadened. If we think it'd be misused, we should hold our leaders to account which this actually helps to achieve

I agreee we need to start from somewhere. And BTW, I never supported Tinubu

HustlaOfLagos:
...
"Analysis by Civitas of Office for National Statistics (ONS) data from 2020-21 showed a record 54.2% of people (36 million) now live in households which received more in benefits than they contributed in taxes."
https://news.sky.com/story/record-number-of-britons-receiving-benefits-that-amount-to-more-than-they-pay-in-tax-study-finds-12793349

I think this is part of the reason they assume every immigrant who obtains citizenship will go on to do the same

No 2 - There is no country on earth that punishes people who are willing to work with taxes and gives to the lazy that ends up working longterm as something has to give. I am not saying taxes aren't good but there should be a limit.

Interesting. Would be keen to know how this has changed between then and now.

Reminds me when the government decided to heap the blame on GPs and folks fell for it blaming GPs for the out-of-work culture. Ultimately that didn't change economic facts and the labour government knew there had to be some policy change. Look what happened when MPs tried to update the framework. It was definitely easier offshoring fault to someone else.

I gather there are now over 1 million young people out of work yet you keep hearing phrases like 'support' e.t.c. What support does a youngie who spends the day playing games in his mums council house apparment need to go work in Care? We should look at other systems in the west and do thesame not sugarcoating facts.

Like I told someone recently as we spoke about 'support'. Non-working young men should be given a new Mercedes S-Class, a regular supply of weed and perhaps Asian ladies to suit their desire. Most of them would be satisfied with this- they are Brits afterall. When the money finish all man eye go clear.

Goke7:
Like one of us here said some time ago the exit of care workers from the sector after obtaining ilr is their greatest worry especially now that overseas workers entry has been banned reason for the threat of 15 year ilr qualification to keep folks in that sector for as long as possible.

Bigotry is terrible, makes you look stupid no matter how you spin it. How you do explain to your people you can’t even find prison workers? Farm workers, care workers, delivery riders thank God bus conductors no exist for this country shortage go dey for that one too 😂 even police officers too they are looking for while patriots sip their beer at home!

Hehe... careful before you are accused of insulting Brits.

Imagine if Britain goes to war with Russia today... be rest assured there'd be a fast track pathway for 'brothers' from the commonwealth to join the British Army. Nobody would claim Army jobs are being stolen

galantjoe:
But the new tax system is not progressive. In sense that poor doesn't pay tax, for example someone earning 800k or less will not pay tax; someone earning 1m pays income tax at 15% but someone earning 25m pays income tax at 25%. It is not truly progressive. It also encourage people to remain poor so that they won't pay tax.

That's exactly what progressive taxation means. I.e people contribute more as they earn more.

Someone earning 800k a year is barely just scrapping by - that's less than a bag of rice for a full month of work. Someone on 25m has enough to spare even after paying 5m+ in taxes.

It's not encouraging people to be poor. Already, over 60% of Nigerians are poor and can't afford the basics. It's giving people the chance of living in a decent society with opportunities. The countries Nigerians japa to sustain their economies on steeper tax rates. The government should use the extra tax revenues to fund basics in the society. That way, everyone is better off.

A common misconception is that someone earning above a tax band would pay the full rate on their total income. What they'd actually pay tax on is the portion of their income above the treshold. In your example, someone earning 1m would pay 15% of tax on the portion of their pay above 800k i.e 15% of 200k which is 30k not on the whole 1m

Having a progressive tax system where those who have more, pay more is one of the very few ways of distributing wealth which ultimately results in a richer and fairer society.

The natural direction of wealth is to get accumulated (i.e those who have are more likely to get more making the rich richer and the poor poorer. Progressive taxation helps break that cycle and gives more people a chance

What we need to demand is good enforcement and that the tax revenues are used properly.

Ralphlauren:
Lol @ inaginary houses and billions.

His stories, timeline from when he relocated to UK, wealth generated/accumulated doesn't add up.

For someone that claims to be a "medical doctor", the time he spends on his forum is quite a lot

Hehe... I pondered on whether to respond to you or not. Let's be clear, I am not trying to change your mind but your post made me chuckle. I've been on NL since 2009, and every now and again I still get surprised.

Your post reminds me of a thread I encountered on Reddit. A very high earner who sold his business was seeking advise. One chap questioned what someone with such means was doing on Reddit. It didn't take long for other high earners to show him they were everyday people. The odd thing is that I spend relatively little time here. Elon Musk and Trump are frolicking on Twitter despite their schedule.


What I find even the more fascinating is what part of all I've posted you associate with 'wealth' or find widely unfounded. Is it hustling for daily bread or stating that I'm not worthless? I stumbled upon someone with 19 houses (yes nineteen) and I wouldn't even use the world wealthy to describe him. The word wouldn't even cross my mind when describing myself today. It's fascinating but not surprising - people appreciate only what they can see i.e, we tend to see the world thru our circle (no insult intended). This conversation shows that.

Santa2:
Apologies if this turns out to be a long post. This Nairaland is like a market place. You come and buy (and sometimes sell) the goods you want and use it to cook a delicious meal or dump it in the trash. I have always know always believed that two truths can exist. There will always supposed 'high fliers' and there would always be those that stick with the norm. I personally believe that both are necessary for a healthy community. One just has to choose where one falls under and in that process not look down on the next man because you think he is not striving to be better himself. Its ok if the next man to stay 15 years for ILR if that gives him peace, While it might might not be ok for me, I need to respect the next man's choice because we are not fighting the same battles. What prompted this post the issue where someone said @jedisco was boasting about his achievement. I actually think the opposite is the case. I don't think we showcase enough the path of a successful immigrant so other can get inspiration. I have learnt a lot from Nairaland and still keep learning, Over 14 years ago, nairaland was were I ran to when I wanted have our kid in the US and thankfully it provided me the information I needed and the community. When it was time to build our house back then in Nigeria, the housing/building thread was a valuable resource. In 2020 when I decided it was time for my masters study in the UK, Nairaland was the best resource.

I came in as student, Nairaland thread was were I went to for settling down tips, housing, banks accounts, building credit profile etc. I came in at the height of covid when we had to quarantine when we arrive. I got all I tips I needed. While I was a student I did part time care work, I was able to save almost £4000 living frugally, My spouse and kids joined me several month later and she got a very good job here (as she had extensive experience). while the company said they wouldn't sponsor, six month down the line as our visa was expiring they did sponsor her. I got a job after study with a subsidiary of the NHS that offered full remote work and didn't pay as much as I would have liked. I initially gave myself six month to stay in that job but I slowly settled into that job and started to see my self as not being able to earn more than that. I applied to other jobs but didn't get much traction. Through that period my wife and I applied for a mortgage got approved and bought a new build 4 bedroom terrace house and was thanks to guidance from the nairaland mortgage thread (thanks to rent money is dead money conversation that some fought against). When the mortgage payment hit I slowly realised that I would need to double my hustle. Enter in Nairaland again, I had already identified an area I wanted to pivot into but wasn't doing as much action as I would have liked. Then I stumbled on a comment from @copershun ( I hope I got her handle right) on recruiters reaching out to her for roles 70k to 80k, I contacted her and found out that it was the same Data Management/Quality I was play around with that she was referring to. I got serious and did the work, and a few month later started a managerial role in this area. Almost a year into the role I have already identified the next niche I want to play in . Someone might say I am here bragging or what's not but I just hope it inspires some to take step and action and build the type of life you want for yourself. I still am on a journey of self discovery, @chukwuma's post on entrepreneurship has also sparked another fire that I am looking to explore in the next year. Once I again I state that Nairaland is a marketplace, You come here and choose the ingredients you want, and the type of soup you want to use it to cook. Selah

Kudos. Your journey was tough but inspiring.

Interesting how this place has evolved.

AKALAMAGBO:
In the midst of all these brouhaha (immigrations stuff and vilification of Boris wave), we completed on the 27th of November and got the keys to our house. All thanks to the “Rent money is dead money” by LexusGS.

Honestly, it doesn’t scare me a bit as people panic on immigration whatever… I can’t continue paying rent for the next 3 years whilst on skilled worker visa if I have the means to buy. I know if push comes to shove, I can sell in 2 years considering I only took 2 years fixed term anyways, and please don’t tell me it’s easier said than done! I have weighed my pros and cons and I am happy with whatever decision I make as an adult.

Life goes on, don’t delay your plans for the fear of the unknown.

Nuggets from people like Jedisco also informed my decision on stock and shares ISA with InvestEngine. Truthfully, I wish I started early.

I like seeing posts from Zahra because they do contain immigration informations which are legit.
Also, her sound response to questions about things are unmatched here. Though, I still think Zahra and Jedisco should meet for a cuppa 😅😅

Peace ✌🏻

Hehe..
Congrats... may fortune favour you.

No forget pensions... still early days but it's one area I wish I tilted more towards. Not very easy if there's uncertainty about the future though.

Mcleo007:
Most people despise them because of the quoted. They are adept at identifying gaps and seizing opportunities. Generally a good thing, but most people don't like it to be them.

True. Many times, there's also the talk that they segregate against blacks, live in enclaves or unduly favour their own.
I've encountered certain incidents that made me concerned. However, I also weigh it in another light. We are communual being and we build wealth by forming communities especially when facing opposition. The Jews did this for centuries. White Europeans also did same but by conquest. Even today, Brits still stick to 'expat' communities when visiting developing countries.

Banter aside and thinking through, I notice there's an animosity/dread some Nigerians have towards Indians.

Having worked in the NHS, I'm no stranger to working with Indians in different capacities. Even in Cana, dem full and I interract with them as colleagues, staff, patients and in wider settings e.g sales people, realtors e.t.c. infact, one even floated the idea of opening a clinic together.

I see them as just any other cohort - having the good, bad and ugly all of which I've experienced both with them and other demographies. They aggressively seek business- just like most immigrants would and should. Of late, they've had alot of negative media directed at them most of which is driven by hate. I know Nigerians would have come under same fire if we were that visible.

I don't share most of the narrative but given some things have been often repeated by my people, I wonder if there's something I'm missing. I know it'd be anecdotal, I'm keen to know what peoples experience with them has been.

lavida001:
He is quick to shut people down I remember when he called me rat and all. Then noBody said a word, everybody just throw away face but if na lavida na then man like wilberforce go suddenly come out of retirement to ask for admin to remove me.

Na our people we dey accommodate him. No one here has the balls to say it as it is. Just like someone said here some moons ago that he is a politician he knows how to bamboozle our people.

Come online post about couple of houses and cars and brag about the imaginary millions in acccount and watch how naija people become loyal to you and they see no wrong in what you do. You become their mini god.

Him no go try am for CA forum , those ones no get joy. Them go position am for his corner.

Lavidaloca my compatriot, nobody called you a rat.
Like I said, the fact we want to build Nigeria is not the reason to lineup behind a rat. That was in response of your constant belittling of peoples hardwork- thesame group who are actively contributing to Nigeria's growth.
After all this time, I am still waiting for you to elaborate on how we should build Nigeria.


That said. I have noticed a phenonenom among those switching countries. Yes, access to opportunities matter but a lizard doesn't automatically become a crocodile by changing countries. Someone struggling in Nigeria moves to the UK and suddenly becomes a philosopher and starts chorusing 'give back'. Oga, hold body first. The reverse is also true. A first gen born abroad who was virtually scrapping the bottom of their society moves to Nigeria and think they're now an Einstein. Nigeria might have its problems but we're not that bereft.