₦airaland Forum

HEAVEN4444:
you can get your credit score sorted if you are a legal citizen. What about the millions of Nigerians working under the table in the UK just saving and saving till they get found out and deported ? You see how you are being myopic with your posts

What under the table job do you intend to do and save 25k a year for 40 years?

Wouldn't you be wiser to spend some of that 25 securing your legal status?

budaatum:
With your first 25k saved, banks will be begging you to borrow because that's how banks make money, by lending to those who can pay it back!

Your 25k is good collateral for any lender.

lol you must think banks are mugu. Borrow you money because you have deposit ? This is UK not naija. They want to see your history not your deposit. Especially if you are naija guy

budaatum:
What under the table job do you intend to do and save 25k a year for 40 years?

Wouldn't you be wiser to spend some of that 25 securing your legal status?

it's that easy to settle legal status ?

HEAVEN4444:
lol you must think banks are mugu. Borrow you money because you have deposit ? This is UK not naija. They want to see your history not your deposit. Especially if you are naija guy

UK banks don't give a fuq whether you are Nigerian or Martian! If you have 25k in the bank they'd see your history as credit worthy, and even if they don't they'd just charge you higher interest.

If you are illegal though, and your business is drug dealing, I can see why they wouldn't lend to you, since you might not want to declare your source of income, and why you'd never save a million pounds or lose it if you did and eventually got caught, since UK is definitely not Nigeria.

HEAVEN4444:
it's that easy to settle legal status ?

With 25k savings per annum? Yes. If legally earned.

budaatum:
UK banks don't give a fuq whether you are Nigerian or Martian! If you have 25k in the bank they'd see your history as credit worthy, and even if they don't they'd just charge you higher interest.

If you are illegal though, and your business is drug dealing, I can see why they wouldn't lend to you, since you might not want to declare your source of income, and why you'd never save a million pounds or lose it if you did and eventually got caught, since UK is definitely not Nigeria.

you are digressing but from the points you have made I deduce you think 1 million pounds is such an obscene amount of money that can never be made through saving or labor. You believe that volume of money can only be made through investments. You see how I summarized your points for you without dancing around like you have been doing ? Straight to the point. You need to learn how to argue intelligently and not pugnaciously

HEAVEN4444:
what's your point though ? So the answer is that it is impossible to save 1m in 40 years working. Ok

the major question is why do you need 1m pounds? Only 3k out of 70m people have 1m usd( 800k pounds). Make una dey fear God.

budaatum:
With 25k savings per annum? Yes. If legally earned.

lol you sounding like an oshodi guy right now

ednut1:
the major question is why do you need 1m pounds? Only 3k out of 70m people have 1m usd( 800k pounds). Make una dey fear God.

lol and I get that. It's just a hypothetical question bro. Relax 😁😁

HEAVEN4444:
you are digressing but from the points you have made I deduce you think 1 million pounds is such an obscene amount of money that can never be made through saving or labor. You believe that volume of money can only be made through investments. You see how I summarized your points for you without dancing around like you have been doing ? Straight to the point. You need to learn how to argue intelligently and not pugnaciously

Actually, I believe it is wiser to try to make a million pounds by investing than merely trying to have so much.

By the time you've saved up a tenth of a million, a wise person would invest anyway, if just because they can earn more investing than the interest they'd get from saving.

But please go on with the insults instead of learning, but know I'm not arguing with you. I'm educating you.

budaatum:
Actually, I believe it is wiser to try to make a million pounds by investing than merely trying to have so much.

By the time you've saved up a tenth of a million, a wise person would invest anyway, if just because they can earn more investing than the interest they'd get from saving.

But please go on with the insults instead of learning, but know I'm not arguing with you. I'm educating you.

lol forgive the insults. It's all internet bravado. But try to understand that I see where you are coming from and I agree with it BUT you need to indulge me in this game I am playing. It's a game of hypothetical questions. I am asking a hypothetical question and I need a direct answer. I am trying to understand this whole Japa movement from an acquisition point of view. Like am thinking these people sell properties here to go to a country where they can never make up to a million pounds ? Etc etc etc. Am just quantifying and qualifying this whole trend based on potential acquisition after 40 years of working and saving.

HEAVEN4444:
lol forgive the insults. It's all internet bravado. But try to understand that I see where you are coming from and I agree with it BUT you need to indulge me in this game I am playing. It's a game of hypothetical questions. I am asking a hypothetical question and I need a direct answer. I am trying to understand this whole Japa movement from an acquisition point of view. Like am thinking these people sell properties here to go to a country where they can never make up to a million pounds ? Etc etc etc. Am just quantifying and qualifying this whole trend based on potential acquisition after 40 years of working and saving.

After 35years of service many Nigerian workers cannot bost of 5 million naira in there account so what's your point

HEAVEN4444:
lol forgive the insults. It's all internet bravado. But try to understand that I see where you are coming from and I agree with it BUT you need to indulge me in this game I am playing. It's a game of hypothetical questions. I am asking a hypothetical question and I need a direct answer. I am trying to understand this whole Japa movement from an acquisition point of view. Like am thinking these people sell properties here to go to a country where they can never make up to a million pounds ? Etc etc etc. Am just quantifying and qualifying this whole trend based on potential acquisition after 40 years of working and saving.

You could start by indulging others and refraining from insulting and instead learn.

Most people do not japa because they want to make a million pounds and return to Nigeria. Many japa because they want to educate themselves and better their's and their families life, or just for security and uninterrupted electricity.

And to be honest, most who japa and end up with a million pounds after 40 years would not settle for returning to Nigeria, because the entire world would be open to them. But if they insist on returning to Nigeria after 40 years, their (invested) pension alone will make it more than worth it because their pension pot would have been invested and earnt them much more.

ahmedio2017:
After 35years of service many Nigerian workers cannot bost of 5 million naira in there account so what's your point

I specifically said those selling properties. Meaning you are a made man. Mafioso. In mafioso they use that term lol. Made man

ahmedio2017:
After 35years of service many Nigerian workers cannot bost of 5 million naira in there account so what's your point

Whereas, after 35 years of working in UK and contributing to a pension might earn you the equivalent of 5 million naira in less that about 3 months, if you were low waged.

HEAVEN4444:
I specifically said those selling properties. Meaning you are a made man. Mafioso. In mafioso they use that term lol. Made man

If you sell a 100 million property in Nigeria, that's a mere £25000 in UK, which is just about enough for a deposit on a mortgage.

Dumb though if you intend to be here illegally for 40 years, since any job you get will likely pay you a lot less that 20k a year, and give you a heart attack from the constant fear of being deported one day.

budaatum:
You could start by indulging others and refraining from insulting and instead learn.

Most people do not japa because they want to make a million pounds and return to Nigeria. Many japa because they want to educate themselves and better their's and their families life, or just for security and uninterrupted electricity.

And to be honest, most who japa and end up with a million pounds after 40 years would not settle for returning to Nigeria, because the entire world would be open to them. But if they insist on returning to Nigeria after 40 years, their (invested) pension alone will make it more than worth it because their pension pot would have been invested and earnt them much more.

indulging others is why I made the thread . And that your reason for Japa is a huge lie. If the naira went 1 to 1 with the pound today I can guarantee you they would all return to Nigeria on the next flight smoking 🤣🤣🤣🤣

budaatum:
If you sell a 100 million property in Nigeria, that's a mere £25000 in UK, which is just about enough for a deposit on a mortgage.

Dumb though if you intend to be here illegally for 40 years, since any job you get will likely pay you a lot less that 20k a year, and give you a heart attack from the constant fear of being deported one day.

it's not about the value of the money. Everything is not about money. A house is security and rest of mind by selling it and Japa you have murdered peace

HEAVEN4444:
indulging others is why I made the thread . And that your reason for Japa is a huge lie. If the naira went 1 to 1 with the pound today I can guarantee you they would ally return to Nigeria on the next flight smoking 🤣🤣🤣🤣

And leave the job that is paying them pound sterling in UK? You must think we are stupid!

For your information, when Naira was 1 pound in the 80s, people japad. Even when 1 pound was 40kobo before then, we were japaing, which is why some of us were born here way back in the 60s, I'd have you know, and many who returned in the 70s rue their return.

Now, I'm certain you'd like to argue that the pound was never worth less than a Naira, so I'll educate you before you do. The below is the historical rate for the US dollar, but I'm sure you can do the conversion.

https://www.researchgate.net/figure/Annual-Naira-Dollar-Exchange-Rate-1960-2014-The-Wholesale-Dutch-Auction-System-WDAS_fig1_335869683

HEAVEN4444:
it's not about the value of the money. Everything is not about money. A house is security and rest of mind by selling it and Japa you have murdered peace

It is your opinion that selling a house in Nigeria is murdering peace. Most who have stepped foot in Mutala Airport and landed in UK will not agree with you, and I'm certain you will not agree with yourself once you land here, legally.

Do let me know when you arrive so we can welcome you, and hear what you think of the place.

budaatum:
It is your opinion that selling a house in Nigeria is murdering peace. Most who have stepped foot in Mutala Airport and landed in UK will not agree with you, and I'm certain you will not agree with yourself once you land here, legally.

Do let me know when you arrive so we can welcome you, and hear what you think of the place.

I have been there. Great place if you have a million pounds. Terrible place if you have to work 🤣🤣🤣🤣

budaatum:
And leave the job that is paying them pound sterling in UK? You must think we are stupid!

For your information, when Naira was 1 pound in the 80s, people japad. Even when 1 pound was 40kobo before then, we were japaing, which is why some of us were born here way back in the 60s, I'd have you know, and many who returned in the 70s rue their return.

Now, I'm certain you'd like to argue that the pound was never worth less than a Naira, so I'll educate you before you do. The below is the historical rate for the US dollar, but I'm sure you can do the conversion.

https://www.researchgate.net/figure/Annual-Naira-Dollar-Exchange-Rate-1960-2014-The-Wholesale-Dutch-Auction-System-WDAS_fig1_335869683

if pound sterling and naira are on same level your UK job is now useless

HEAVEN4444:
I have been there. Great place if you have a million pounds. Terrible place if you have to work 🤣🤣🤣🤣

Depends what your work is. If you are earning enough to save £25k a year, the money alone should make the place great for you.

P.s. I do not earn a quarter of a million a year and I did work, but perhaps it being my homeland makes our experiences differ.

budaatum:
Depends what your work is. If you are earning enough to save £25k a year, the money alone should make the place great for you.

P.s. I do not earn a quarter of a million a year and I did work, but perhaps it being my homeland makes our experiences differ.

working for a white man is always a terrible experience unless you are a sycophant

HEAVEN4444:
if pound sterling and naira are on same level your UK job is now useless

How is my UK job now useless, unless I get a job in Nigeria that pays the equivalent?

Would I be eating free air in Nigeria or what?

And do you really think a job is only about the pay and nothing else?

HEAVEN4444:
working for a white man is always a terrible experience unless you are a sycophant

Aha! Now you reveal your thinking.

I wonder how you'd think the white people who worked for me would have felt. Or where they sycophants too?

budaatum:
How is my UK job now useless, unless I get a job in Nigeria that pays the equivalent?

Would I be eating free air in Nigeria or what?

And do you really think a job is only about the pay and nothing else?

you get a job in naija. Problem solved. I don't see how you can be truly happy for a man who considers you an inferior

HEAVEN4444:
I specifically said those selling properties. Meaning you are a made man. Mafioso. In mafioso they use that term lol. Made man

I keep hearing this phrase, selling properties to japa all the time and I'm wondering what properties are people selling.
I hope you guys are not counting people selling lands and properties of 10m as selling properties, ,that's less than $10k.

Have you ever seen someone who owns a duplex in say lekki valued at over 200m sell it to japa? In the first place, people who own that kind of valuable properties will always have a way of raising money to japa without selling their properties that's if they really want to japa.

Nobody sells a real valuable property to japa cos people who have those kind of properties are usually well to do. People who sell properties to japa are people in the struggling category who sell to raise few millions to aid their travel. If they are traveling as legal permanent residents not students, chances are in few years they can easily replace what they sold. Those their "properties" are easily replaceable as they are small dollars worth.

So this phrase people selling properties to japa is not as bad as internet warriors try to make it if we put it in a proper context

budaatum:
Aha! Now you reveal your thinking.

I wonder how you'd think the white people who worked for me would have felt. Or where they sycophants too?

am sure if they had the chance they would have poisoned you 😂

Kenn55:
I keep hearing this phrase, selling properties to japa all the time and I'm wondering what properties are people selling.
I hope you guys are not counting people selling lands and properties of 10m as selling properties, ,that's less than $10k.

Have you ever seen someone who owns a duplex in say lekki valued at over 200m sell it to japa? In the first place, people who own that kind of valuable properties will always have a way of raising money to japa without selling their properties that's if they really want to japa.

Nobody sells a real valuable property to japa cos people who have those kind of properties are usually well to do. People who sell properties to japa are people in the struggling category who sell to raise few millions to aid their travel. If they are traveling as legal permanent residents not students, chances are in few years they can easily replace what they sold. Those their "properties" are easily replaceable as they are small dollars worth.

So this phrase people selling properties to japa is not as bad as internet warriors try to make it if we put it in a proper context

many have sold lekki properties to Japa ooo .

Op, for where..

Forget all the lies, for you to see 5,000 pounds save yearly self hard die..

HEAVEN4444:
many have sold lekki properties to Japa ooo .

What if they sold it to buy another abroad? They probably did not sell it cos they are looking for proof of fund or money for survival.

A friend of mine sold his Lekki home a year after japaing to invest in real estate abroad. You can argue whether it makes sense or not but that was his choice.
As our faces are different so also our needs, mentality and what we want to achieve in life differs.For example, I want to live a good life and I don't care about being "rich". If it comes, fine, if not, I'm interested in living a quality life, others may have different interests.