₦airaland Forum

Jaqenhghar:
Is that what your employer told you or what you really enjoy?
MY friend who was covered by his employer was rejected at the hospital because the Health insurance company wasnt remitting the money it was supposed to.
Another friend lost his even with his coverage after his wife was admitted in one ' reputable' hospital

Benn around for few years and everything have been covered 100% as per contract even for specialise referral.

Shakitibob0:
How are you dealing with healthcare sir?

Provided 100% by my employer covering my entire immediate family

I have a mixed feeling on my relocation to Nigeria after living in Europe for about 10 years working as an engineer but paying so much in taxes (over 50%). It was also very difficult to save any money from what is left after tax, due to very high housing and living cost. You end up living from hand to mouth because of the numerous bills you have to pay..

I got a job in Nigeria to do thesame type of job I was doing in Europe before relocating, so this made my decision easier.

Regrets: Concerned about the insecurity and the fact that nothing works here. I hope to retire in Nigeria in 20 yrs time and hope there would still be a country then.

Consolation: I save alot of money working here in Nigeria than I did in Europe. Things are so much cheaper here despite the inflation problem.

I made the move mostly because of retirement plans.

yesboss123:
Hello All, trust we're all enjoying the weekend amidst the democracy protests and demonstrations, Naija go better.
Please I need the input and advise of matured people and also Nigerians in the diaspora. Kindly bear with the length of the post and the fact that I opened a new account to post it.

I recently gained admission into an MBA program in the US with all expenses after partial funding to be borne by my brother who is resident there. Program starts in two months. Being a lil above average intellectual, my brother has advised that I make myself mentally ready for the program as it will be rigorous but with high ROI afterwards. The dilemma is that my partner who I have been in a relationship wt for almost two years is insisting I pay her bride price before leaving while she joins me two years later i.e. after the successful completion of the program. My brother and some older friends I have over there are not in support of such arrangement as they advise I don't commit to any relationship by means of introduction or marriage before coming over. They advised that I do that after I get a job and work permit following the completion of my program.

The thing is I love this girl; well-mannered, loyal, beautiful and would make a perfect soulmate, but she is not ambitious, although a graduate. She has told me times without number that she doesn't have plans for additional certifications, or higher degree etc. Invariably, she is contented with her secretarial/front-desk kind of jobs with meagre salary plus some mini businesses by the side. She even told me she would go into selling stuffs if she gets to the US. Before the migration plans came up, I supported her business moves in all ways. However, plans have changed and it's necessary that she supports the family considerably as obtainable over there, else man go just dey work with nothing to show cos of the high cost of living in the US. Cos as I heard, to make an honest living and earn something reasonable as an immigrant, having a career is one of the surest means.

All my brother keeps ringing in my head is that I allow nothing distract me during the program, not even marriage, cos his $50k (partial tuition, accommodation and feeding during the program) must not go to waste neither must I 'manage' after graduation, cos the plan is for me to work, earn well and sponsor my younger brother in 5 years thereabout.

To be very honest, I intend getting married to her if only she becomes more ambitious by registering to sit and build a career (I'm thinking HR). If she doesn't show any interest in doing this, I would have to end the relationship.

Lots of things are going on in my head right now. I don't want to lose a good soul-mate while searching for greener pastures, neither do I want to settle for someone who isn't ready to adapt to new circumstances but wants to enjoy the perks that come along with it.

Is there a way to work around this ? Am I being selfish if i end the relationship ? What kind of business can a Nigerian lady do in the US that will thrive ? Is it easy to bear up to 80% of the family responsibility in the US as a man and still remain sane ?

I'd appreciate your honest contributions/advise

Do not do any introduction or promise that girl friend any marriage. I was in your shoes 12 years ago when I was planning to go study abroad. I purposely avoided relationship with any girl because I wanted to concentrate and have a clear state of mind while studying and it was the best decision I ever made. It is very important that you concentrate and avoid relationship with anybody while studying because women are big distraction and dream killer. She will put so much pressure on you that you would do things to your detriment as a student just to satisfy her. She would also expect you to be sending her upkeep money as a student which you obviously cannot afford at this time.

What you need now is stability so leave the country as a single guy, finish your studies, hustle for job, then you will have so many option of women to choose from.

Do not let your testosterone to make decision for you.

kuse2:
Wow.. Quite expensive I must say..

Pls pardon my question, do you net about 2m/month in Nigeria to accommodate all these expenses?

Also, I think you can get some nice mortgage deals in Abuja with about N2m/month.. You may need to consider that a rent to own kinda scheme.
Selah!

I net much more than 2m/month, so I save more than I spend every month here in Nigeria. But I spent like 70% of my net earning in Europe cos my tax was more than 50% vs Nigerian tax of circa 18%.

When living in Europe (USD equivalent)

Rent per month: 2,000 USD per month
Feeding: 750 USD per month
Children School fees (International School): 600 USD per month
Electricity, water, water : about 500 USD per month
Miscellaneous: 500 USD

About 4,350 USD every month


I moved back to Nigeria and here is the expense in Nigeria
Rent: 1.7 million NGN per annum (141,000 NGN per month)
Children school fee: about 900,000 NGN per term for 2 children in Primary School (School fee of about 460K and private home lesson of about 440K) which is about 225,000K per month
Feeding: 250,000 NGN
Family support (money given to family member): 300,000 NGN every month
Salary of house help: 50,000 NGN
Miscellaneous: 200,000

Total monthly expense : 1,166,000 NGN per month

Note: family support can get to 500,000K in some months depending on situation.
Nigeria no easy oooooo

price?

sapphiere:
What is financial responsibility compare to;
Cooking for the child,
Waking up at midnight to check on the child,
Wash the child's clothes,
Dress the child up for school.

If we should trade places and men take over domestic chores while women only bring in money, I bet most men if not all the men would faint.

All your domestic self importance can be replaced with multiple maids making you useless to the main.
When a man dies, the woman and children are thrown into extreme poverty in most cases showing the importance of the man and finance. Many of the women loosing their husband end up homeless and begging for survival. That is when you’ll know that motherly love is conditional and dependent on the comfort provided by men. Some women even give up or kill their baby to enable them to latch on to another man.
You will never see a man who lost his wife begging for money to take care of the children because the man will hustle by any means possible, showing that financial responsibility is supreme in a child's life. The domestic provider can be replaced with a maid anytime but the financial provider can never be replaced.

spyder880:
I like this design

How much will it cost to build this in Lagos in 2021?

xynerise:
And cancelling my post supposed to make you the smart and right one?

You want everyone to agree to your opinion?

How many kids do you have and how old are they?

Boys don't appreciate their father until they become a father themselves. The man is expected to takes care of his wife, kids, in law, siblings, parent, cousins, nieces etc depending on his financial ability. You think the money to provide all those comfort will come from siting at home and forming bonding with child. Bonding with kids only works when the job allows.
If you want to know the relevance of fathers, look at homes without one and see how miserable the life of the woman and kids are most of the times. Many of the fatherless girls get pregnant very young while the boys drop from school to go and learn a trade because there is no dad to provide.
Also look at girls that dump new born babies because there is no man to provide for her and the baby. You do not know the value of a man until he either walks away or dies. My mum still misses my dad's contribution to running the home they built together even though he died 14 years ago and all her kids are grown up.

cococandy:
Whether they earn 100k or not, they don’t pay 60% taxes. That’s the point.

You can pay up to 60% cummulative tax depending on the country. In a Scandinavian country, my tax was 55% on the progressive scale and about 41% in absolute term. This mean I pay 55% on any extra money I make but the total I pay divided by my earning is about 41%.
VAT is 25% on every single thing you buy meaning you still pay an extra 0.25 * (0..59%) of the amount left which gives you additional 14.75% in sales tax. This 2 alone is already about 55.75% tax.

Then you also pay housing tax, TV license, green tax at the end you pay more than 60% tax in many European countries cumulative.

People just don't know because they don't. do the maths.

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