₦airaland Forum

emperor4love:
do u go through trademan to be a hvac engineer

Trade school you mean. Nope. Thats a waste of time.
Apprenticeship. And took exams and got my license

steeltrust:
first of all I didn’t insult you
By now you should know pidgin English is an aggressive language but that aside
And for you to tell me to live my naija style because I stay in america then you must be one of those people with inferiority complex.

Now back to your real quote
Most of you just say things cause you see so many stuff online and I don’t blame
Many of you are only trying to be patriotic when you deep down it far from it.
Now lemme school you!!!
Owning a house on mortgage doesn’t give you access to bigger credit
Your credit score does
You can be in so much debt but your credit score is 750 to 800 you can get anything you want in as much you can pay

Credit worthiness in America ties down to your credit score. And it key. You can have all the assets in the world and once they pull your credit and see it 500 or below forget it. No bank or institutions will want to do business with you That why when you go to banks, credit union, buy a house or a car the first thing they check is your credit score
Use google if I’m lying. Having assets is good but how many people want to be paying land tax. You think owning a home is just as simple as it is. It comes with it own disadvantages. I stay in a rented apartment. All I pay is my rent every other taxes is sorted out by who own the house which is non of my business. Many billionaires and millionaires don’t have real assets in America. They do in offshore countries due to the advantage of dollar to other currencies and tax invasion
For me I have my investment in Nigeria and don’t care about any other asset other than to hustle go home and retire. And for your info
Many america employees have what we call 401k which is pension and Medicaid for health
When you retire that what you live on
Wether you have assets or not you’re good to go. And for your info. I’m married and I’ve a child here in America. I work and my wife works too. And I’m still able to save. But I’ll send my kid back to naija to grow cause the system here give too much liberty to kids and makes them spoilt and do things you sef go de do wonder.

I hope this my few point is enough for you to know that most times your opinion might not be right

Shalom!!!

Again, you said i have inferiority complex. Lol...
Go back to my first comment, show me where I say you live your naija life. I said, unless you want to retire in nigeria, like go back home from America.
And your last comment, you said i dey cap nonsense. That's insult if you don't know.
Again, your analysis on credit scores sounds laughable.
The more money you borrow, the more you lose your credit limit. I do a job where I have to run finances on people when they want to buy HVAC units. Some have maxed their limit, they can't get more loading or get finances. Not because you aren't paying the loans you take, but because you have no more asset to back it.
Someone who has a house worth a million, has more credit limit than one who rents.
If i have a house worth $1 million, my credit ceiling will be wider than yours.
The more loans you take, the more your credit scores reduces.
Go to my profile photo, dude, I live in the State and know far more than you do.
I am a sales person in my job.. I know more than you do.
Money paid in mortgage is saved. Anytime you sell the house you get it back with profit.
Money paid on rent is wasted.
Using dollar made in america to Invest in nigeria while working in America is a joke. Take $20k invest in nigeria, after 2 years the naira depreciation will make that $20k worth $5k if you try sell the investment t and convert it to dollar.
The smart way is, invest in America, retire in nigeria. No matter how naira depreciate, it doesn't concern you because exchange rate favors you.
You dey brag say others get inferiority complex, yet you still dey work hourly job for US, lol. If you are too smart, go get a job that pays you commission, that way you make betwee $80 _$150 an hour.

Gallybounce:
Hello nairalander, 2 years ago, I asked you guys advice concerning my house project. I’m really grateful , I’ve been able to roof the house and take it to 80% completion, for now I want to stop working on the project for reasons best known to me.

I’m now living alone and I’ve been able to build my business for two years now, it’s on auto pilot 🚀 now.
I’m 27.. I need a car!

I’m hoping to buy it between now and by April next year latest…( crypto bull run 😃😃)
I used to sell cars and lands through referal years ago though but I have zero car knowledge.

As a first time car owner which of these cars will you recommend for me.

1. Lexus rx 350 2010-12
2. Camry 2013
3. Camry 2015
4. Lexus es 350 2010

I noticed the Camry 2013 and 2015 have same interior.

My budget will be 20m maximum ..

Pls your advice should be about these cars alone and alone , not other brands or types, not other topics .
Road to my house is good.
I’ll only be taking it to my shop and gym , both places are not far to my house atall.
Pls I need the car o, I don’t want investment advice abeg,
.
I have never owned or driven a car before.
I’ll learn it next month hopefully ..


Cc nurey
And others pls help
Saw these pics on Social Media.

So, know Lexus and Camry are the same company, just lexus is the luxury brand of the company.
Both are good, but Toyota has been adjudged to be more reliable and has better resell value because it's simplified.
Before you buy any car, get the VIN number and do a VIN check, make you no go buy junk that has cosmetic surgery.

steeltrust:
some of you just talk and always put of point
Must everybody buy a house
So me wan de live on 50k yearly income comfortably means I go hustle die
Set your priority right

In Nigeria where minimum wage is 70k
How many fit do house mortgage
Even on 50k yearly income
If I want to do a mortgage I can on a 150k home where houses are cheap in the suburbs
Go Zillow and seee houses sold for 90k to 120 or 150 and see if you won’t be able to See a house on a budget
It all about management
I’ve seen people with 200k a year and In debt and also people with less pay living their best life

No de cap nonsense

You could make your points without being insultive to a stranger. Thats illiteracy and crude mentality. Even though you say you live in the US..lol

Now, let me school you... paying house rent in the US is the most stupid thing to do. Money paid on house rent is money thrown away.
When you buy a house, you have investment and asset that increase in value year in years out, money paid in mortgage is money invested, when you want to sell the house, you get the money back with profit. Now being a house owner make you huge credit worthy to have access to bigger loan in case you are business oriented.
You can also pay off your house, retire in nigeria, rent the house out, make money in dollar while retiring in nigeria, that's what smart people do.
If house na $90k, bank wey go give you loan go dey charge interest naaa. That brings the payment up.

Then, try get married and have kids in the US, then you go know wetin dey sup with your $23 and hour job.
Again places that you see very cheap house, also have one of the cheapest job pays.

H

This guy is just a village idiot. Just like Arsenal coach Arteta, He says stupid things with boldness even in the face of glaring counter evidences.

cococandy:
Tell me what they do, I want to apply.

Yes people make $1k and hour, but its not always. It's mostly commissioned jobs. Like sales persons.
You could go to a client house and spent like 3-4 hours to sell equipment, like roofing, HVAC. I do HVAC. Sometimes you sell units up to $80k within 4-5 hours. And you get 10 percent.
That's $8k. But such big sales don't come all the time. But you can comfortable make between $5k -$10k every ery week.

Funflipper:
Who ever told you he earns $200k a year and still lives from hand to mouth is a bloody liar! Earning $50k a year is just enough to pay your recurring bills even if you choose to starve and God help you if you have a family.

It's possible. America go use flashy lifestyle take your money die.
Buy new bigger house, mortgage increases. Buy new truck/big SUV, montly car payment increases. Buy trailer for camping, another montly payment, expensive vacations....

$200k for person wey get family for yankee no too much ooo

steeltrust:
live the ode
Minimum wage in Chicago is 15$ and hour and someone is earning 23$ just to stow 😂🤣

With a $23 an hour job in america, you are definitely going to work until you are 80 years. Unless you want retire in nigeria. Dude that's a low paying job. You won't achieve anything in America with that. Try buy a home naa. Make we see wetin dey sup. Or you go just keep throwing money away on Renting a house? Remember money you pay on rent is a money thrown away.

nifemi25:
That means she earn more than 36k in just an hour... Imagine how much she makes working from 6pm to 7 am in Nigeria currency....

This is more reason every one want to japa ....

She earns in $ and spends in $... making $23 an hour, you are considered poor. Just monthly house rent, one bedroom, ($1600) takes 70 per ent of your monthly earning.

For you to be considered middle class you must at least be earning $10k every month. That lady go dey earn like $4,500 a month before tax

castins:
Noted!
But did you read where I stated that some money have been saved already?

Well Ur response is appreciated.

Dude you can't take care of person in obodo oyinbo working in nigeria... that's a joke....unless you meant, your wife has to find a job while she studies and take care of your son; then, that will be too much for her.
I have a kid and a wife, my monthly bills are not less than $7k dollars, I mean everything,...monthly ooo.
Convert am to Naira, can you afford that monthly?
Just your son haircut na like $40 every two weeks... unless u want make him carry dreadlocks.
Insurance and car payment for them, na like $400 monthly, least affordable car oo.
Just monthly house rent, lowest, 1 bedroom, including utilities, $1400... e don pass your monthly income..
Dude, Nigeria operates on animal level.
With #1.5 million ($850), you be boss for nigeria. But with that here, for certainty, you are definitely going to be a homeless on the street
The best way is to do it reverse. You go first, secure land, then come carry them. You can comfortably take care of them in Nigeria while working abroad

maternal:
If you die tomorrow, they'll look for someone else to beg. Don't fool yourself, they really only care about your money. But you can tell yourself whatever you want.

Spare me the crap.
Whatever I do for my family, is a payback, for having one time, one way or the other helped me financially, or in so many different ways. Being there for me.
I will never stop sending them big money oo.

Again. Your experience is different from others okay.

maternal:
Unless your mother is able to go to the hospital herself, don't send money for check up. They'll chop the money. The rest of the people such as his siblings or close friends, let them die. They're not his responsibilities, nor is he there father. The siblings and close relatives don't care about you, and would steal from you in a heartbeat. Nigerians are the biggest beggers in the world.

Your family not mine nor everyone else.
Families differs, okay.
If that's your family, then be smart.

Dude, you said it all.
But please, don't wait until you return to take your mom for check ups. Send money from there. Also, send to siblings for support and a few close good relatives and friends if you can. Nigeria is an animal world. Evil forest precisely.
Finally, you don't need to work too hard to make money oversea. Work smart.
Learn great trade or skill. Grow into it. It pays more.

helinues:
This election should be over jare

At the end of the day, both Republicans and Democrats policies are pure nonsense

Sending Aids worth billion dollars to other countries while there are homelesis and drug addicts in their millions in same USA which required more attention

Lol. They have more attention, just that they don't want to change their ways. Govt have shelters, food stamps, rehabilitation for them, they don't want them. They only go to the shelter during winter. All states in America have aids for people with different problems. My state has paternity leave with pay as well.
Did you know, if you can just get a loan of any amount in America to start a business or ideas, depending on your credit worthiness, without any collateral?

ElSudani:
He was attacked and ridiculed more than Tinubu is currently being attacked.

What policies and reform was Tinibu pushing g through?

trutharena:
We are all feeling the pain, but its a necessary sacrifice.

Lol... Lee was transparent, selfless, truthfull not wasteful, selfish and wasn't borrowing like crazy to buy himself Yatch and Jet.
Lee ask to pay workers huge money.

CNG, did tinibu convert his official cars and jet to CNG?
After Lee's policies, was Singapore growing daily or going backward, which tinibu govt does, going backward.
You supporters of Tinibu are just brain dead.

What reform is tinibu doing that you are waiting for results?
Even tinibu wife don resort to prayers to solve Nigerian ptoblem, showing that it's beyond her husband...

Drsmartphilips:
he stole his people's wealth,the Pandora thief

How much did he steal and why is the APC and opposition and EFCC not coming against him?

Now you have your Tinibu, enjoy it

Funflipper:
The problem is he won't be ruling as a dictator with abdolute power. He might mean well for the country but what about the other wolves masquerading as his allies who are only interested in riding on his glory just to clinch unto power? The opppsition at the national assembly? The ever corrupt civil service and all the cash 'n' carry judges? Nigeria is such a peculiar country where for every saint who wishes to do the right thing, there are over a million corresponding demons counteracting for various reasons. Nigeria is a failed experiment.

That's a failure mindset you have there. The North threatened blood when Jonathan was president, the idiot coward out.
Now Tinibu is dealing with them and arresting their kids, are they doing shit?
Forget, the problem of Nigeria is getting a sincere ruthless leader, forget the threats, na small thing

Funflipper:
The country is going to be like a rudderless ship drifting with the tides.

Lol. It's way worst now.
But again, you dont know Obi, go ask, he is no pushover.
Let me remind you, that guy is so damn wealthy. Silent billionaire. Cowards can't be billionaires.

Philistine:
While he was the Governor of Anambra state, why did he not turn Night Vigils into Night shifts? Peter Obi is just a motivational speaker, he does not have a solution to the problem facing the country, likewise the dimwit currently occupying Aso Rock. They are all playing on the gullibilty of Nigerians.

One thing for sure is, he won't be wasteful and won't steal and borrow recklessly like Tinibu

God1000:
What's wrong with these people sef, the Mandela's family should be careful so that they don't destroy the image of nelson Mandela, this is not what the highly revered nelson Mandela stood for.


South africans really hate us

Same way Nigerians hate themselves and be tribalistics, despite all being blacks.... and they go overseas and shout racism....
Jokes of a continent

Kinzo0917:
Arsenal is winning this

Quote me after the match

Arsenal no be anybody mate ooo

😆🤣😂😹

Basicend:
I don't know what he has not been using Chilwell. . A very quality player.

Jao felix has been playing well. . But he is getting frustrated coz the coach has been ignoring him. . He was our best player last season while on loan. . Fine player.

Crap. Everybody is giving opportunity to show they need to be starting. It's not automatic. Neto worked his way through, now he is considered regular started. Felix is an idiot. If he is frustrated, let him show it on the pitch and regain that premier league starter. Same as nkunku.

F00ls

Thundafireseun:
There is nothing wrong in chasing your dreams…

World best UFC fighter Francis Nganu Cameroonian guy went through this route ….. he even passed through Nigeria to the desert and today his story is great

So you guys have to run back to una colonial masters to be able to make it?
So then, why did you guys chase them away and claim independence when you know you are incapable of rulling unaselves?

You better call those colonial masters back to rule una oo before it gets out of hands. No European or American they run away for greener pasture this way ooo.

JASONjnr:
Haven't you heard? He's not T-Pain, he's feeling your pains. Yet he got him self a luxury bullet-proof car and a yatch and built his vice a multi-billion mansion and about to get him a jet.

The economy is only biting the poor and not the rich.

Tin Ubu, that ugly thing is a master-idiot. A chihuahua who sees himself as a great dane

Ikaeniyan0:
What's the governor doing with #40 billion per month? he needs to explain.

Africans are just bunch of idiots without common sense.
Have you seen any black nation progressing?
These idiots only make noise, brag, show off and waste resources.
Let me also state, they are very wicked and selfish

Nazgul:
An average African politician is extremely arrogant, rude, wicked, evil... Etc.

Just look at the kind of language he was using on that guy. Can he assault and slap a white Uber driver that way abroad?

Below is a picture of the dishonorable reps member waiting for Uber abroad. See how calmly he's standing and waiting. I'm sure that he'll act nicely to the drive and even top him. But once they get to Africa, they become demi gods towards their fellow black man.

The biggest enemy of the black man is the black man.

The black idiot is nobody in America. A smart hardwrking Uber driver earns more salary than him. If he tries it, he might get killed. Many people dey carry gun for cars naa

UltraSolid:
Emotional clown. A sensible person will not go to the level of issuing crude curses on others because they support who you don't or have different opinions to yours. Grow up. All your curse are returned to sender.

Okay, I don hear.
After ranting online, remember to go offline go join queue for fuel, agege bread, and subsidized food, make hunger no kpai you.
By the way, how did you afford data to be online?

UltraSolid:
The lack off respect and appreciation for other not your kinsmen, that is inherent in your culture, is part of what makes you people so loathed. You lot are godawful. As long as it ain't Igbo, it must be thrashed and insulted. If you know any Igbo politician that has achieved even 5% of what Tinubu has, since 1999, then we will agree your insult against his universally lauded intellect stands.

Obi, your greatest, flees from Party to Party, which most know is a display of lack of intellect to develop and sustain political platforms, and you Hypocrites proclaim him a genius. Even APGA he inherited free of charge, he abandoned and virtually destroyed. Leaving Bianca Ojukwu to lay a curse on him.

Tinubu single-handedly built ACN and made it Nigeria's main opposition Party to PDP by 2013 before the Party collapsed it's structure into the APC Jagaban helped to birth. Feats regarded as genius and legendary universally. Yet to you uncouth lot, born without the ability to be respectful towards others, "he is not intelligent". Who is intelligent? You? Your father?

You people, because you are primed to hate all others and see them as threats you must conquer and dominate, will never be fit to lead a multicultural and mjlti-religion nation like Nigeria. Whenever not in charge anywhere, you are then only fit to insult, destroy, be divisive and insultive. May God heal you lot.

You lots are the most backward, primitive on the planet. First, anybody criticizing the govt is Igbo.
In human world, You earn respect and leaders who bastardize their country for selfish reasons deserve condemnation, but you guys are brain dead and defend your killers/oppressors. What an idiot.
These men you defend have families overseas enjoying life while your miserable ass sits in there and defend them in misery.
Are you a human?
May Satan continues to keep you in bondage and misery so that you will always keep defending politicians who don't give a damn about you

Tinibu is empty. He is not intelligent. He is just stupid, bribing and buying everybody, that's his master strategy.
He will waste una time like the gworo chewing illitrate, funny that fool now looks like Albert Einstein