erico2k2:

On our Highways? in 9ja? 80% of our highways have Crater not even pot holes.
Talking deciding not to ply the plot holes, I assume you do not drive hence you are saying this cos if you do you will agree with me that is ridiculous.

80%?

How did you arrive at this?

I'm only using your own logic

You said people can decide not to drive during winter, then I also said people can decide not to drive on pothole infested roads too.

Does it mean you also don't drive for making such statement?

What's the reason for this discussion?

Death by road happens everywhere in the world, the difference is in numbers.

Procashtips:


80%?

How did you arrive at this?

I'm only using your own logic

You said people can decide not to drive during winter, then I also said people can decide not to drive on pothole infested roads too.

Does it mean you also don't drive for making such statement?

What's the reason for this discussion?

Death by road happens everywhere in the world, the difference is in numbers.

Nop People can decide or Road can be closed during winter as there are other options to get to where you need to be ie work and same or lesser cost thant cars on the road,, if one needs to drive from Benin city to Ekpoma, apart from the roads what other choices has such person got? by the way this road is full of death traps.
The question of if I drive is answered on nairaland, you do not need to go far, go fru the 1st page of my post on nairaland will answer your qustion pronto!.The fact is this,in the West Road accidents are unavoidable but in 9ja road accident are Avoidable.

Procashtips:


But potholes aren't on all roads too na?

You can also decide not to ply the roads with potholes if you can stay home during snow.

Name one road that has potholes between driving from South London to Germany
Then name one routh in NIgeria between two states that has no DEATH TRAP

nairamaniac:


You talk to much for someone that is really this intelligent.

Did the op say "he wants to deliberately save for 6years"?

At times it seems as if some people here can be intelligent and metally-hadicapped at the same time.

What the op is saying is that "IF he decides to save the money he makes for 6years, he would hit a hundred million naira, with the condition that he caters for only himself".

Now it's left for anyone else to say "if I japa, i would save or not-save up to the amount of money in 6years?".


Some people here are already sounding as if the op is comparing a choice to stay in Nigeria to Japa.

Bros, wetin join me join you? You had to write a book just to pass your epistle. If my comment does not resonate with you, you can easily ride along

Viccur:

Bros, wetin join me join you? You had to write a book just to pass your epistle. If my comment does not resonate with you, you can easily ride along

It's nairaland that joined me and you.


As long as someone comes across a ridiculous insinuations as yours.

It makes people really wonder what is going on with you.

The reason for an epistle is Soo that you understand my message as easily as possible.

MuMuOnBail:
Na wa oooo



90% of Japarians can't even buy some Bungalows in my own street here in Abuja. I said it with my whole heart.

When I returned back to Naija from Sweden, I couldn't boast of what I am having now.

My wifey is in shock how I did it (Blow like Satan II). But her lucrative job can't let her leave the country. If not she for find her way too

JAPA is not meant for everyone, if you JAPA and it favor you, thank God. If you JAPA and it does not favor you, please keep shame aside and return back like me.

My wife was literally feeding me in Sweden. I felt so useless that when I look at my naked self on the mirror in the bathroom. I see myself having a P*ssy not a Dick.

Some JAPAnarians will not even see 10million in Naira till they die talkless of 100million

Omoh...@ the bolded.
You saw a pussyyy and not a dick.
Auzubillah minashaitan nirajeem

IbeOkehie:


There's homeless people everywhere. There's middle class comfort everywhere. Good and bad healthcare happens everywhere.

For the person citing startup millionaires, that happens everywhere too.

There's racism everywhere. There's family breakdown everywhere. There's crime everywhere Unemployment happens everywhere.

The issue, the BASIC ISSUE, is preponderance and PROBABILITY. Anyone who can't grasp the logic is uneducated in the real sense of it.

Everyone knows that there's a higher probability of the negatives in Nigeria than in any Anglo-Western nation. That's why migration is a hot topic on Nairaland and those who can't migrate are consumed with rage and jealousy.

If that one doesn't make sense, go and search for Jakpa topics on Nairaland as far back as 2003 or 2007. Find out for yourself the if Nigeria is better or worse since then. My people say if no one gives you advice, advise yourself.

Good Luck to Nigerians.

You will love this thread on twitter: https://twitter.com/spacelyn/status/1701245101878440267?s=19

The thing about this is japa fever is, we will know by 2030 - 2033 if people made the right choices. Hopefully, life takes us to that period, we will be here to give tales.

Princedapace:


There are countless homeless people in the USA. When Nigerians say abroad, they say japa.
The one who couldn't pay rent is in Europe. Can't reveal country as this is a public forum. Don't know who is reading.

I like your constructive dialogue, talking about the homeless in America. Yes there are lots of homeless in America, but what you shoul ask is who are the homeless ? Junkies, crack heads, people who mess up their credit due to self-destruction. These are mostly the people you will find to be homeless.

Hard working individual/Nigerians are unleashing their potentials in a sane country like US/Canada where they get the reward for their labor accordingly.

Like said before, you can only understand how things work if you’re in the system. I am a living testimony.

Viccur:

Bros, wetin join me join you? You had to write a book just to pass your epistle. If my comment does not resonate with you, you can easily ride along

Bro can you please drop me your WhatsApp number. sproutgigs is giving me tough time.

erico2k2:

Name one road that has potholes between driving from South London to Germany
Then name one routh in NIgeria between two states that has no DEATH TRAP

How will I know? Pothole on a road from England to Germany?


Oya name the potholes between Epe and Ijebu ode.

erico2k2:

Nop People can decide or Road can be closed during winter as there are other options to get to where you need to be ie work and same or lesser cost thant cars on the road,, if one needs to drive from Benin city to Ekpoma, apart from the roads what other choices has such person got? by the way this road is full of death traps.
The question of if I drive is answered on nairaland, you do not need to go far, go fru the 1st page of my post on nairaland will answer your qustion pronto!.The fact is this,in the West Road accidents are unavoidable but in 9ja road accident are Avoidable.

I also drive and have driven multiple cars.

There's no where on earth road accidents are avoidable, it must happen whether the roads are good or bad as long as humans ply it.

Road accidents happen all over the world, this is an undisputable fact!

YoshihideSuga:


You will love this thread on twitter: https://twitter.com/spacelyn/status/1701245101878440267?s=19

The thing about this is japa fever is, we will know by 2030 - 2033 if people made the right choices. Hopefully, life takes us to that period, we will be here to give tales.

We already know the PROBABILITIES. We can already look back. I had moved back from the USA and was living in Nigeria in 2011 when this thread was created.

https://www.nairaland.com/738774/should-migrate-remain-nigeria

A witty Nairalander already summarized it...no one ever lost money betting against Nigeria.

Good Luck to Nigerians!

Hello
What is mortgage pls?

rickleye:


Simple answer is yes.
What you want to do when you move abroad is get a property.
So rent for first one year to get a bearing of where you want to live.
After that then look for a property to buy be in a duplex. Stay upstairs and rent the lower duplex .
So for example.
I know someone who bought a 400,000 house and placed a 10% down payment . So technically he was paying mortgage on $360,000 for 25 years at 2.5% interest. So about $1600/month.
The tenant was paying $800 so he contributed the balance.
He did a $500 contribution 2ce a year which went directly to principal.
In about 5 years the value of the house increased ( appreciated ) to 470k . The amount owed lowered to $350k .
Now technically he can only access 80% of 470k which leaves less mortgage with $25k in another 5 years - the property value will increase and payments lowered etc.

Wnat is mortgage pls?

ogbonti:


God bless you - this japa thing going on now is more from inferiority complex than the motives they state openly

My friend is in the US- I feel so inferior to him whenever he visits - his skin is nice looking- he speaks phonetics - people respect him

No I must japa - this is the mentality fueling 99% of japa - they forget that friend does not have 10% of what they have

he visited Nigeria borrowing to come intimidate you and later return to pay huge debts and suffer working long hours with zero savings

BUT those feeling inferior and feeling intimidated have house of their own and car- all payed for no debt YET they feel intimidated

by someone who pays through his nose monthly for the next 20 to 30 years for mortgage and even when he pays if OFF - the house

can be taken away from him someday if he fails to pay property taxes, insurance or association fees - and you in Nigeria, you do not

suffer such inconveniences much like those living abroad - let me stop for now - A word they say is enough for the wise!

Love800:
Wnat is mortgage pls?

it is the monthly payment you pay to the lender who borrowed you money to buy a property

if you live in the western world 🌎 especially USA and you want to buy a home, most likely and this is true of 99.99% of Americans - they don’t have the cash to buy that home. Say it cost $200,000 - you will need financing

so you go to a bank for instance- they run your credit report to see how credit worthy you are— once you get that clearance based on your financial history in the US, you are loaned the money - to buy the home - your income amd current financial liabilities are extremely considered when granting you such loans because these are peoples money put in the back as savings that they are lending to you the borrower

A cash deposit of about 10% of that $200,000 will be required from you as down payment - that’s $20,000

So once you pay that - then the remaining $180,000 will be spread out for for say 20 to 20 years and you will be paying monthly and that comes with interest too

so $180,000 spread out for 20 years will be like $750 but that’s just straight calculation - if you add compound interest on the loan to it and other fees like state and county taxes -community association fees -property insurance - all that 9 yards - or will be about $1,800 monthly - and solute to pay - say you miss payment in a given period for that 20 years for any of the payments highlighted above put you in a foreclosure situation where your house can be taken away from you.

so if you were able to pay off that house in
20 years assuming everything went well - you will end up paying $432,000 of your money over 20 years which is different from the advertised price of $200k that was sold to you 20 years earlier - let me stop here because I am not a Financial Advisor or into Raal Estate - this is just my pedestrian knowledge of answering your question

Good morning sis
Can i ask for something from u
Pls can i beg u for a little

ukaface:
Aaaahhhh
When I make that kind money ehn
Chai…. Make I sha no talk🤣😂🤣
God Abeg o

But why targeting 100million? That’s too much o

Procashtips:


I also drive and have driven multiple cars.

There's no where on earth road accidents are avoidable, it must happen whether the roads are good or bad as long as humans ply it.

Road accidents happen all over the world, this is an undisputable fact!

You are missing the point.Is driving u der the influence not avoidable?

Procashtips:


How will I know? Pothole on a road from England to Germany?


Oya name the potholes between Epe and Ijebu ode.

But I know there are pot holes between sagamu and lagos cos I drove on it.or is it the Benin bypass?
In the west such roads would be shut.

I really appreciate
Anyhow u wrote it, wedar is layman knowledge or educated man knowledge i understood it. Tanks very much

But i want to ask, cant one build a house from scratch in abroad, just the way we use to do it back home.

ogbonti:


it is the monthly payment you pay to the lender who borrowed you money to buy a property

if you live in the western world 🌎 especially USA and you want to buy a home, most likely and this is true of 99.99% of Americans - they don’t have the cash to buy that home. Say it cost $200,000 - you will need financing

so you go to a bank for instance- they run your credit report to see how credit worthy you are— once you get that clearance based on your financial history in the US, you are loaned the money - to buy the home - your income amd current financial liabilities are extremely considered when granting you such loans because these are peoples money put in the back as savings that they are lending to you the borrower

A cash deposit of about 10% of that $200,000 will be required from you as down payment - that’s $20,000

So once you pay that - then the remaining $180,000 will be spread out for for say 20 to 20 years and you will be paying monthly and that comes with interest too

so $180,000 spread out for 20 years will be like $750 but that’s just straight calculation - if you add compound interest on the loan to it and other fees like state and county taxes -community association fees -property insurance - all that 9 yards - or will be about $1,800 monthly - and solute to pay - say you miss payment in a given period for that 20 years for any of the payments highlighted above put you in a foreclosure situation where your house can be taken away from you.

so if you were able to pay off that house in
20 years assuming everything went well - you will end up paying $432,000 of your money over 20 years which is different from the advertised price of $200k that was sold to you 20 years earlier - let me stop here because I am not a Financial Advisor or into Raal Estate - this is just my pedestrian knowledge of answering your question

Love800:
I really appreciate
Anyhow u wrote it, wedar is layman knowledge or educated man knowledge i understood it. Tanks very much

But i want to ask, cant one build a house from scratch in abroad, just the way we use to do it back home.

yes you can- just that it is more convenient and less costly to buy than build - because the builders have contracts with the construction company because they are building on multiple sites at the same time so these construction companies get good deals to reduce the cost - just like wholesale and retail trade- you pay less when you buy wholesale than when you buy retail

Timmzycul11:

Bro can you please drop me your WhatsApp number. sproutgigs is giving me tough time.

you could just ask here or on a dead thread or pm me, I will reply immediately

Alright
Tanks so much

ogbonti:



yes you can- just that it is more convenient and less costly to buy than build - because the builders have contracts with the construction company because they are building on multiple sites at the same time so these construction companies get good deals to reduce the cost - just like wholesale and retail trade- you pay less when you buy wholesale than when you buy retail

Love800:
Alright
Tanks so much

you are most welcome

ogbonti:


so if you were able to pay off that house in
20 years assuming everything went well - you will end up paying $432,000 of your money over 20 years which is different from the advertised price of $200k that was sold to you 20 years earlier - let me stop here because I am not a Financial Advisor or into Raal Estate - this is just my pedestrian knowledge of answering your question

From this explanation, It's better to just save $200k in 10 years towards housing fund than $432,000 in 20 years. Makes much more sense. A job of $150k per annum in US should be able to get you to save $200k in 5 - 6 years.

Kelechi009:


From this explanation, It's better to just save $200k in 10 years towards housing fund than $432,000 in 20 years. Makes much more sense. A job of $150k per annum in US should be able to get you to save $200k in 5 - 6 years.

Dude, stop all this unrealistic talks here
the way you are talking na prison dey hungry u
$150k a year ? it is 1 out of every 500 Americans

that makes that type of money AND why do
you think you can make that money
look here have u been to the US before ?
or you are just typing nonsense from your
guy feeling ? please stop this nonsense - $150k is not a salary for kids here - na senior management with nothing less than 15 to 20 years experience with proven track record dey earn this kain money ooo - no be for who just japa comot from naija last week oooo

A senator of the USA makes $174,000 year
and you want to earn $150k to buy a house ?

who be your papa for America? 🤨

That money we are talking about as monthly
mortgage is what husband and wife can put
up to save monthly to pay and both of u
must have a good and stable job to be able
to do that - all this ona naija hotty body talk
is insane - prison dey hungry you if you dey

think this way you will surely break the law in the US and you go go prison

take life easy ok ? life na jeje

to save $200k in 10 years no be beans even if you make $100k a month - life will
overwhelm u hear and that money 💰 go disappear from your hand

if u live in a poor zip code where rent is $700
a month u can’t get a job of $100k a year


for you to get $100k a year job you should be living in places where people bought homes mot apartments complexes- if your live in poor area or poor zip code - where rent is $800 - na job of $45k a year maximum na him go dey cal you - this is one dirty secret about America no
one will tell you until you stay here long enough to know

ogbonti:



Dude, stop all this unrealistic talks here
the way you are talking na prison dey hungry u
$150k a year ? it is 1 out of every 500 Americans

that makes that type of money AND why do
you think you can make that money
look here have u been to the US before ?
or you are just typing nonsense from your
guy feeling ? please stop this nonsense - $150k is not a salary for kids here - na senior management with nothing less than 15 to 20 years experience with proven track record dey earn this kain money ooo - no be for who just japa comot from naija last week oooo

A senator of the USA makes $174,000 year
and you want to earn $150k to buy a house ?

who be your papa for America? 🤨

That money we are talking about as monthly
mortgage is what husband and wife can put
up to save monthly to pay and both of u
must have a good and stable job to be able
to do that - all this ona naija hotty body talk
is insane - prison dey hungry you if you dey

think this way you will surely break the law in the US and you go go prison

take life easy ok ? life na jeje

to save $200k in 10 years no be beans even if you make $100k a month - life will
overwhelm u hear and that money 💰 go disappear from your hand

if u live in a poor zip code where rent is $700
a month u can’t get a job of $100k a year


for you to get $100k a year job you should be living in places where people bought homes mot apartments complexes- if your live in poor area or poor zip code - where rent is $800 - na job of $45k a year maximum na him go dey cal you - this is one dirty secret about America no
one will tell you until you stay here long enough to know

Why so aggressive? Who hurt you?

I know people making $150k a year & It is not uncommon at all.

You are obviously struggling in America to make such statements.

Even in Nigeria, people make as much as $40k or $70k a year for Remote workers in different fields.

On that Upwork thread, people get full-time jobs from past freelance clients on Motion Graphic Designs etc & they get moved to full-time.

So relax.

Kelechi009:


Why so aggressive? Who hurt you?

I know people making $150k a year & It is not uncommon at all.

You are obviously struggling in America to make such statements.

Even in Nigeria, people make as much as $40k or $70k a year for Remote workers in different fields.

On that Upwork thread, people get full-time jobs from past freelance clients on Motion Graphic Designs etc & they get moved to full-time.

So relax.

😂😂😂😂 i know your type

Last year I made $275,000 but after 27 years in America - and I am proud of my achievement

I made my first $100k pay after 18 years in the US - I didn’t get to this level overnight

that’s why am asking. u to tone down this

big big money u are mentioning for
people who have no address on the US, no work permit, no US work history, just arrived the US and you talk about $150k a year job like it’s a N50k a month work on Nigeria ? hmmm

Either you have not been to the US or you are
just a heavy bul l s hi t talker

i hate nansense - if na yahoo dey hungry u

ur likes wey come from naija dey

Orange County jail house here in California

the prison wey dey hungry you for America

you go see am go u go taya - na me talk am

ogbonti:


😂😂😂😂 i know your type

Last year I made $275,000 but after 27 years in America - and I am proud of my achievement

I made my first $100k pay after 18 years in the US - I didn’t get to this level overnight

that’s why am asking. u to tone down this

big big money u are mentioning for
people who have no address on the US, no work permit, no US work history, just arrived the US and you talk about $150k a year job like it’s a N50k a month work on Nigeria ? hmmm

Either you have not been to the US or you are
just a heavy bul l s hi t talker

i hate nansense - if na yahoo dey hungry u

ur likes wey come from naija dey

Orange County jail house here in California

the prison wey dey hungry you for America

you go see am go u go taya - na me talk am

Anybody that moves to USA & wants to work legally with work sponsorship is liable to get great jobs. Just because you moved illegally does not mean others will.

27 years is too long just to make $270k.

People make that money in 2 - 4 years in America.

Go & rest bro. You are suffering.

Kelechi009:


Anybody that moves to USA & wants to work legally with work sponsorship is liable to get great jobs. Just because you moved illegally does not mean others will.

27 years is too long just to make $270k.

People make that money in 2 - 4 years in America.

Go & rest bro. You are suffering.

😂😂😂😂awww you lie, people make $1million on one week na, even in 30 minutes

the prison wey dey hungry you - if you never go that prison you no go rest - i know your type - dem full jail houses here - so no worry make God let them grant u visa make u come

dem go take preek tear your yansh for prison
with this your ogboju mentality u won carry come - so, last last na prison u go dye put 🤣

Viccur:
you could just ask here or on a dead thread or pm me, I will reply immediately

OK I'll send you a mail.

ogbonti:



😂😂😂😂awww you lie, people make $1million on one week na, even in 30 minutes

the prison wey dey hungry you - if you never go that prison you no go rest - i know your type - dem full jail houses here - so no worry make God let them grant u visa make u come

dem go take preek tear your yansh for prison
with this your ogboju mentality u won carry come - so, last last na prison u go dye put 🤣

Okay, I won't argue further. I see that you don't really have sense like that.

222Martins:
I typed my reply to this thread and deleted it after cross checking it. I don't want to end up causing people unnecessary pressure. Whether it takes you 10 Months or 50 Years to save N100M, it doesn't matter. The most important thing is that you live a good, fulfilled life.

Boss. I think some of us are interesting in hearing your story though.