₦airaland Forum

somehow:
Please don't say what you don't know.

You only get welfare packages if your credit is okay and you're not indebted.

But if your credit is screwed up and you have committed a crime of any sort before which is on your record, once you hit Rock buttom, you will end up on the streets with no roof over your head and difficulties getting the lowest of jobs.

If you end up being an illegal, then your case is worse off!

I am not telling you theories here..

You just proved to the world you have NEVER been to USA.
What you said is totally false.

PoliteActivist:
Of course I agree with you on all that - am I not the one who argued it is better to japa anywhere you choose with $1k than stay permanently in Naija with $40k?

But then you took it too far by saying that NO abroad person would return to Nigeria if given a plane ticket and $10k.
Which is not true at all!

Also, remember there are many Nigerian traders and such who are extremely wealthy but are not part of the "job market" or statistics. Likewise there are Nigerians in US/UK who are not doing well at all, some even suicidal.
Take this poor lady below, do you think she'd hesitate to take $10k and return to Nigeria??

You really.like arguments.
10k dollars is too.small to tempt an average person in US to return home, or else if the person already had plans of returning and looking for transport and pocket money.
But 10k to abandon the American dream and return to Nigeria? No average Nigerian will accept that except the hopless.
You are free to keep browsing news in the worst case scenario to argue.

PoliteActivist:
Of course I agree with you on all that - am I not the one who argued it is better to japa anywhere you choose with $1k than stay permanently in Naija with $40k?

But then you took it too far by saying that NO abroad person would return to Nigeria if given a plane ticket and $10k.
Which is not true at all!

Also, remember there are many Nigerian traders and such who are extremely wealthy but are not part of the "job market" or statistics. Likewise there are Nigerians in US/UK who are not doing well at all, some even suicidal.
Take this poor lady below, do you think she'd hesitate to take $10k and return to Nigeria??

You know wat, I think we are speaking from different perspectives, 10k in Nigeria is a big deal. But when you cross boarder, you will realize it is really small and you can’t do much with it.
The people you consider as broke in US, 10k won’t solve their problems and telling them to go to Nigeria with it won’t cut it. Or maybe the person has given up on america and just want to go back home and even a 1k bonus will do

klawaaa:
On point!

Thanks.
It is rather obvious. Go to any teeming Nigerian "roadside" market - they are not part of any statistics yet millionaires are bred right there

dazzlingd:
You really.like arguments.
10k dollars is too.small to tempt an average person in US to return home, or else if the person already had plans of returning and looking for transport and pocket money.
But 10k to abandon the American dream and return to Nigeria? No average Nigerian will accept that except the hopless.
You are free to keep browsing news in the worst case scenario to argue.

No, YOU like arguments

OP did not limit it to America, and you know that fully well!
Even then there are many in even America who'd go for a chance for a fresh start in Nigeria, with a clean record, clean image, and $10k in the bank - which most Americans don't have and vast majority of their future neighbors in Nigeria won't have!

dazzlingd:
You know wat, I think we are speaking from different perspectives, 10k in Nigeria is a big deal. But when you cross boarder, you will realize it is really small and you can’t do much with it.
The people you consider as broke in US, 10k won’t solve their problems and telling them to go to Nigeria with it won’t cut it. Or maybe the person has given up on america and just want to go back home and even a 1k bonus will do

Actually $10k (saved and in your account!) is a substantial sum anywhere.
We know most Americans, far from having any savings, owe all sorts of credit cards.
Landing in Nigeria with $10k in the bank is very different from landing in Nigeria with no money.
So $10k is a significant incentive

FreeIgboho:

You just proved to the world you have NEVER been to USA.
What you said is totally false.

Eeya.

PoliteActivist:
Well, we are going by what they are actually doing, not what they may hypothetically do.
Simply put, majority of Americans don't have any savings at all, and I don't think it is by choice as you postulate!

I still maintain it’s somewhat by choice. If the average American were to spend and live like the average Nigerian, he would have 10’s of thousands of dollars in savings

somehow:
Please don't say what you don't know.

You only get welfare packages if your credit is okay and you're not indebted.

But if your credit is screwed up and you have committed a crime of any sort before which is on your record, once you hit Rock buttom, you will end up on the streets with no roof over your head and difficulties getting the lowest of jobs.

If you end up being an illegal, then your case is worse off!

I am not telling you theories here..

That guy is right, this is not true

FreeIgboho:

You just proved to the world you have NEVER been to USA.
What you said is totally false.

No mind am. Forming Ajala the traveler without ever having been to the airport

CanadaOrBust:
I still maintain it’s somewhat by choice. If the average American were to spend and live like the average Nigerian, he would have 10’s of thousands of dollars in savings

You might have a point if they only don't have savings.
But no, they are in DEBT! That can't be by choice in any stretch of imagination!

PoliteActivist:
Ok, let's do the math:
Let's say $10 per hour, take-home pay. So that's $400 per week for 40 hours. 400×4=1600 per month.
1600×3=$4800 for 3 months (assuming you save every single penny!)

But there's no way u can save all the money u make cos there's bills waiting for you when u collect money by the end of the month

PoliteActivist:
Well, I Googled it. See below.
It is like $5 after taxes.
It is simply impossible to save $10,000 in US in 3 months doing menial jobs

It depends on the state you live though

PoliteActivist:
You might have a point if they only don't have savings.
But no, they are in DEBT! That can't be by choice in any stretch of imagination!

Ok, see how it’s a choice:
An average American has a phone that meets all his needs. A new phone comes out and they offer him credit to buy it, he CHOOSES to buy it and be paying bit by bit over several years. He CHOOSES to go into debt to buy a phone he doesn’t need! It’s a CHOICE!

CanadaOrBust:
That guy is right, this is not true

Kindly counter my points with your 'truth'.

Hotty321:
But there's no way u can save all the money u make cos there's bills waiting for you when u collect money by the end of the month

Of course not. No way you can save half even.
But let's assume you save every penny, still won't have $10k in 3 months

somehow:
Kindly counter my points with your 'truth'.

I googled it b4 I replied you. Everything you said is incorrect. You can google it yourself

PoliteActivist:
Ok, let's do the math:
Let's say $10 per hour, take-home pay. So that's $400 per week for 40 hours. 400×4=1600 per month.
1600×3=$4800 for 3 months (assuming you save every single penny!)

On the low end, remove 10% for taxes (assume include social security also)- $160
Phone $15 per month
Auto insurance or bus pass- $30
Electricity- $50
Water may be included in your rent- or not
Rent - $500
Toiletries- soap/toothpaste/laundry/dish soap/ sanitary pad - $20
Food - $0

Total low estimate monthly expenses = $775

This is based on an unrealistic low estimate, assuming that the individual is single, no car, no dependents, no state/city taxes and they spend $0 on food.

You can present a 2nd scenario where they work 2 jobs which would be 16hours out of a 24 hour day but saving all your salary is not practical in the US or in Nigeria. Someone has to pay your living expenses.

ayinba1:
On the low end, remove 10% for taxes (assume include social security also)- $160
Phone $15 per month
Auto insurance or bus pass- $30
Electricity- $50
Water may be included in your rent- or not
Rent - $500
Toiletries- soap/toothpaste/laundry/dish soap/ sanitary pad - $20
Food - $0

Total low estimate monthly expenses = $775

This is based on an unrealistic low estimate, assuming that the individual is single, no car, no dependents, no state/city taxes and they spend $0 on food.

You can present a 2nd scenario where they work 2 jobs which would be 16hours out of a 24 hour day but saving all your salary is not practical in the US or in Nigeria. Someone has to pay your living expenses.

Kobicove:
Oga don't say what you don't know.

There is no way you can save $10,000 in just 3 months while doing menial jobs in the US! dazzlingd

You nailed it! Which is exactly why people live paycheck to paycheck - zero savings. See below

PoliteActivist:
You nailed it! Which is exactly why people live paycheck to paycheck - zero savings. See below

You are absolutely correct, better stay in Nigeria and hustle your naira there.
Live responsibly and if your are able to save 800k monthly and convert to dollars, by the end of the year, you should have close to 10k dollars in savings

All the best

ayinba1:
On the low end, remove 10% for taxes (assume include social security also)- $160
Phone $15 per month
Auto insurance or bus pass- $30
Electricity- $50
Water may be included in your rent- or not
Rent - $500
Toiletries- soap/toothpaste/laundry/dish soap/ sanitary pad - $20
Food - $0

Total low estimate monthly expenses = $775

This is based on an unrealistic low estimate, assuming that the individual is single, no car, no dependents, no state/city taxes and they spend $0 on food.

You can present a 2nd scenario where they work 2 jobs which would be 16hours out of a 24 hour day but saving all your salary is not practical in the US or in Nigeria. Someone has to pay your living expenses.

Monthly expense in Could be between 1,500 or more for a single person depending on the city.

And people can earn between 2k to 4k doing menial jobs. Being meticulous, you should be able to save 500 to 2k depending on your earnings and all. It all depends, some people may not be able to save anything.
Working professionally, you should be able to earn 5 to 10k in a mid level career or even more.
Some keep their expanses low to like 3k monthly while earning close to 10k, then can save between 2 to 7k monthly depending on lifestyle and city.
The larger your family, the less you can save but you are investing probably in your childrens education, mortgage etc which is still far better than Nigeria

All in all, it is far better off to hustle or work legitimately in the US than in Nigeria

dazzlingd:
Monthly expense in Could be between 1,500 or more for a single person depending on the city.

And people can earn between 2k to 4k doing menial jobs. Being meticulous, you should be able to save 500 to 2k depending on your earnings and all. It all depends, some people may not be able to save anything.
Working professionally, you should be able to earn 5 to 10k in a mid level career or even more.
Some keep their expanses low to like 3k monthly while earning close to 10k, then can save between 2 to 7k monthly depending on lifestyle and city.
The larger your family, the less you can save but you are investing probably in your childrens education, mortgage etc which is still far better than Nigeria

All in all, it is far better off to hustle or work legitimately in the US than in Nigeria

Now that is funny!

Try “very few”
“Some” is too generous

My post was not meant to say which decision was better, I was only breaking down the scenario that was provided and that I quoted.

dazzlingd:
You are absolutely correct, better stay in Nigeria and hustle your naira there.
Live responsibly and if your are able to save 800k monthly and convert to dollars, by the end of the year, you should have close to 10k dollars in savings

All the best

Well, you have to take other things into consideration - like living conditions, health, electricity, etc.
But that doesn't negate the fact that most people in America have no savings whatsoever!! Heck you saw the numbers yourself. Did I make them up??
And not just statistics, survey after survey says the same thing!

PoliteActivist:
Well, you have to take other things into consideration - like living conditions, health, electricity, etc.
But that doesn't negate the fact that most people in America have no savings whatsoever!! Heck you saw the numbers yourself. Did I make them up??
And not just statistics, survey after survey says the same thing!

Most people in America don’t have savings you say?

Lol

Let me add to it,
Most of them are homeless and jobless

dazzlingd:
Monthly expense in Could be between 1,500 or more for a single person depending on the city.

And people can earn between 2k to 4k doing menial jobs. Being meticulous, you should be able to save 500 to 2k depending on your earnings and all. It all depends, some people may not be able to save anything.
Working professionally, you should be able to earn 5 to 10k in a mid level career or even more.
Some keep their expanses low to like 3k monthly while earning close to 10k, then can save between 2 to 7k monthly depending on lifestyle and city.
The larger your family, the less you can save but you are investing probably in your childrens education, mortgage etc which is still far better than Nigeria

All in all, it is far better off to hustle or work legitimately in the US than in Nigeria

This is all theoretical.
In real life this hypothetical person you referenced would be owing all sorts of credit cards, and paying off all sorts of things bought on credit, talkless of savings!

dazzlingd:
Most people in America don’t have savings you say?

Lol

Let me add to it,
Most of them are homeless and jobless

Not only don't they have savings, they OWE all sorts of money!

PoliteActivist:
Not only don't they have savings, they OWE all sorts of money!

But this is part of what makes the economy bouyant. People are enticed to buy on credit and live beyond there current means, all boosting the GDP!

PoliteActivist:
Not only don't they have savings, they OWE all sorts of money!

Walahi they are in serious debt here.
Hunger and serious debt.

PoliteActivist:
You nailed it! Which is exactly why people live paycheck to paycheck - zero savings. See below

Alread told you, much of this paycheck to paycheck stuff is a choice.
Why do you need savings when all possible financial emergencies are taken care off: sickness, loss of job, old age, accidents

pansophist:
PoliteActivist Have you seen this? These people don't even need 40k USD to reverse Japa to Africa, they just need a flight, that's all. Abroad is sweet o, but staying illegally with no chance to legalize oneself (something the government intentionally made to be nearly impossible) would make it hellish. The same water a fish calls home and swims in is the same water used to cook it.

That's why a HUGE part of the OP criteria is that YOU CHOOSE where you'd be dropped off with $1k in your pocket. There are places that TREASURE immigrant workers, legal or not. They want you and will do anything to keep you. Tell them any nonsense (like Boko Haram after you) and you have asylum!

dazzlingd:
Walahi they are in serious debt here.
Hunger and serious debt.

CanadaOrBust:
Alread told you, much of this paycheck to paycheck stuff is a choice.
Why do you need savings when all possible financial emergencies are taken care off: sickness, loss of job, old age, accidents

Never said they are hungry or not wealthy. But most of them do have debt and no savings - and, sorry, it's not by choice.
Are they also filling for personal bankruptcy by choice?? See below

PoliteActivist:
Never said they are hungry or not wealthy. But most of them do have debt and no savings - and, sorry, it's not by choice.
Are they also filling for personal bankruptcy by choice?? See below

Well, if you have a car that serves all your needs but someone offers you credit to buy a Lexus that you don’t need. If you go for it it’s a CHOICE not necessity