₦airaland Forum

justwise:
You are outrightly lying to yourself here, peace of mind in Nigeria? How? For security? Constant power supply? Free or affordable health care? Good road? Living wages or available jobs after graduation? Please explain that peace of mind for me.

Amalekki:
Again, it's not as difficult as you assume. Before you are qualified for a mortgage there is an underwriting process that determines your debt-to-income ratio and that's where what you can afford is established. You are denied if your income cannot handle your mortgage. The problem is not the mortgage in itself but financial decisions in general. It is not a one size fits all issue and that's why in the midst of it all, you have people with multiple mortgages with both residential and investment properties generating rental income.

Many of us tend to make overbearing assumptions on our understanding of the system. We are often wrong. You can have a house abroad, and also have one or many in Nigeria so what's the issue? Many Nigerians abroad are already doing that across every new housing projects in Nigeria.

Why are you crying more than the bereaved? Economic migration is not by force, if people are not comfortable abroad, they won't need you to tell them what to do. They did not consult you when they left Nigeria in the first instance, they made that bold decision even at huge cost so they can always do it again if needed

CoronaVirusPro:
That’s just my point. Debt!!!

What happens when you cannot keep up or the inevitable happens? Did I hear you say foreclosure?

Thomas is the life that keeps them on their toes forever. You think they have peace but they don’t. Always worried cos they know everything around them is fiction and will go at any mistake.

You feel they have more peace than Baba Segun in Ikorodu who owns multiple properties all paid off? No

I am not advising anybody but just speaking the glaring reality and truth. I am not sugar coating.

SoftSport:
He's very correct. With tough conditions overseas and bold reforms under Tinubu sparking hope and opportunity back home, many will definitely return back before 2031

TheBillyonaire:
The man explicitly pointed out that while Nigeria faces severe economic challenges, racism in the U.S. and Europe will become so widespread that Nigerians abroad will no longer feel welcome, eventually forcing them to return home. This suggests that there is truly no safe haven for Black people. And though home may not be ideal, we have no choice but to go back and rebuild our nation ourselves.

CoronaVirusPro:
Change your circle.

Go to the rooftop lounge on Fourpoint on Friday and see working class and business men seated. Is it not in this same country people are building houses across?

Don’t fall for that narrative. Same applies everywhere on Earth. If you don’t find a niche to exploit and make money, you will be left out.

The country is not doing fine but trust me, it easy to attain peace of mind in Nigeria. I mean worry free with sound sleep.

justwise:
Dude while in Nigeria i was living in Maitama with my brother and went to school there, my brother is still living in that area, there is no peace of mind unless you have your own security, your generator or solar panel.

How many ordinary Nigerians can afford the life style you are talking about? Can you afford to be jobless in Nigeria and still get free medical treatment, your rent paid for, your kids education taken care off? That is possible in many developed nations abroad and that is what i called peace of mind.

Peace of mind in Nigeria where kidnappers are having free rein? Bokoharam over running many northern states?

ednut1:
In the video he admitted to being a British citizen and that all his children are abroad. He is being disingenuous hahahah

Pascal9:
ok naive man, here you are talking from both sides of the mouth, you said that over there, government provide those amenities, while you provide it for yourself here, soo is it for free over there, someone as you said provide it and you pay or you provide for yourself . what is the difference.ok you think they don't have problems over there. Naive man

CoronaVirusPro:
The country has its lapses I am not saying it does not not. Is security not an issue anywhere else where?

Please tune in to NBC now. Someone just walked into a bar in the US and shot four people dead. Those things are not peculiar to Nigeria only. It’s everywhere.

Your brother is at peace of mind. For someone saying in Maitama, he is not worried about mortgage or food. He is at is own peace. Do you know how many people abroad wants to be worried by only security? Many!

Klington:
I know uncle Jimi better than this. It's all APC twisting propaganda.

cococandy:
I usually hate how people respond to posts like this because they’ll just assume it’s show off and refuse to take the message in it. So here goes nothing

But I visited Nigeria last month with my family and over the course of 14 days I spent several several MILLIONS (I won’t even state the number to avoid unnecessary analysis) just to have the BASIC standard of living we’re used to. It wasn’t luxury at all in my opinion.

So I’m imagining how someone who’s not earning 1 million monthly is faring. Last I checked majority of Nigerians are not earning over that. Literally everything cost as much or more than it would in America.

They just changed everything and only cater to the rich and powerful now it seems. How are the average people surviving?

I hate when they try to use patriotism and love of country to make people accept a bad situation as if it’s normal. Nigeria seems to be the only country that charges the US dollar equivalent of items without the income of its citizens matching those prices.

CoronaVirusPro:
Not delusion. He is telling you reality.

Many people abroad are tired of the life. They just trying to save enough and return.

The modern day abroad is overhyped. Things are tough over there now.

anonimi:
You should go outside your elitist bubble and realise that is not the reality for the vast majority of Nigerians who can barely feed and pay basic bills.

By the way, why does ebilokan and the cluelessly expired northerner Buhari he made president in place of southerner Jonathan, not use doctors that can attend to them immediately here instead of going to the UK for medical tourism to be returned as cargo?

CoronaVirusPro:
The country has its lapses I am not saying it does not not. Is security not an issue anywhere else where?

Please tune in to NBC now. Someone just walked into a bar in the US and shot four people dead. Those things are not peculiar to Nigeria only. It’s everywhere.

Your brother is at peace of mind. For someone saying in Maitama, he is not worried about mortgage or food. He is at is own peace. Do you know how many people abroad wants to be worried by only security? Many!

Roger3D:
I really doubt it. Return back home to what? Tinubu's regime of hunger and starvation? I'll pass

CoronaVirusPro:
The country has its lapses I am not saying it does not not. Is security not an issue anywhere else where?

Please tune in to NBC now. Someone just walked into a bar in the US and shot four people dead. Those things are not peculiar to Nigeria only. It’s everywhere.

Your brother is at peace of mind. For someone saying in Maitama, he is not worried about mortgage or food. He is at is own peace. Do you know how many people abroad wants to be worried by only security? Many!

nlparrot:

https://www.youtube.com/watch?v=Cw-wCGGo-zo?si=tV9R_8kbKl1Tv25B

Nigerians abroad will soon start running home…

That’s the bold statement from veteran journalist Jimi Disu — and it’s turning heads.

According to him, the high cost of living, emotional stress, and tough working conditions overseas are making many Nigerians rethink their choices.

Disu believes that with rising opportunities and innovation back home, many will return — not out of failure, but out of realization.

His words? “It’s not all rosy abroad.”

Do you agree? Is home truly calling?

Let us know in the comments.

Source: Instablog9ja @IG

Roger3D:
I really doubt it. Return back home to what? Tinubu's regime of hunger and starvation? I'll pass

79733139:
Remove USA from the equation and you would realize that all the other developed countries (including the UK with their knife crimes) are a lot more safer than Nigeria... the crime rates in developed countries are extremely low... read what I said again "crime rate" which is usually measured in number of violent crime per 100,000 people. I just immigrated to Canada 1st July 2025 (last month) and I can tell you that the difference is clear when it comes to security... stop sugarcoating things by saying that Nigerians should all go to to the rooftop lounge on Fourpoint on Friday to experience security... like seriously?

I live in a shared apartment and my flatmate is pregnant and will be driving all the way from Ottawa to Montreal to see her family and friends and she isn't worried about kidnappers and armed robbers... for you guys who keep doing the anti-japa things... all I would say is "bless your heart". I just came and I am already eligble and enjoying some social welfare benefits that are none existent in Nigeria.... all I can say for people like you is "bless your heart".

Keep thinking everybody living abroad is "tired" and wants to come back... nobody is going to convince you otherwise. I have a friend who tried to immigrate to Germany, he gave up on the process, now he is envious and resentful that his closest friend and I have both immigrated to UK and Canada respectively when it was obvious to everyone that we put a lot of effort and followed things till the end unlike him who gave up... all I can say again is "bless your heart".

You don't understand the concept of mortgage and how it makes perfect sense to NOT use your whole money to buy a house... open your eyes and brain, let me make things simple and clear for you --- the bank can loan you money at an interest rate of 4% to buy your home, and if you have an investment that earns you 8% and is compounding annually TAX FREE, why on Earth would a sensible person pay cash for his home in a developed country? Think about that! The bank charges me $4000 to borrow $100000, but I have a tax-free investment that would grow my money by $8000 annually TAX FREE on the same $100000, why on Earth would I go ahead and pay the full amount for my house cash? The sensible thing is to take the mortgage and pay the extra $4000 (interest) plus principal ($100000) overtime, whilst keeping my $100000 in an investment compounding at 8% tax free (I earn an extra $8000).

I made that explanation as simple as possible, but the main idea is that banks are lending you money to buy your home at an interest rate that is less than the annual returns that you can get from sensible investments or businesses, so it makes sense to put your money in investments and businesses, rather than pay the full amount for your home.

Keep deceiving yourself with concepts that you don't even understand!!!

Lifestone:
Why didn't you speak to the fact that i stated and for once agree that it’s not all well with your eldorado, UK? I'm not a fan of PBAT, but I'm a very big fan of the Country called Nigeria. This country is a victim of clueless leaders from Yaradua to Buhari. Most of the current reforms were due some 15years ago.

Whether Ebilokan or Iwolokan is non of my business, but the country must be fix and it wont come cheap, it requires courageous Leadership and though calls.
To you everything Nigeria is bad, I'm saying No, are we there, No, are going to be there , YES

anonimi:
The often cited biography titled Madame Tinubu: Merchant and King-maker, authored by Nigerian historian Oladipo Yemitan, paints her views regarding slave trading.

On one occasion, during her final sojourn in Abeokuta, she was alleged to have sold a young boy into slavery and was accused of it. When arraigned before Ogundipe Alatise over the matter, she reportedly explained: 'I have a large house-hold and I must feed them well. I need money to do that, that's why'.

— Oladipo. Yemitan, 'Madame Tinubu: Merchant and King-maker'

Another section of Yemitan's Tinubu biography, referred to as the Amadie-Ojo Affair, captures a slave trading deal gone sour in 1853 (notably after the 1852 Treaty abolishing slavery in Lagos) wherein Tinubu tells another slave trader (Domingo Martinez) that "she would rather drown the slaves [20 in number] than sell them at a discount".

https://en.m.wikipedia.org/wiki/Efunroye_Tinubu

justwise:
Dude while in Nigeria i was living in Maitama with my brother and went to school there, my brother is still living in that area, there is no peace of mind unless you have your own security, your generator or solar panel.

How many ordinary Nigerians can afford the life style you are talking about? Can you afford to be jobless in Nigeria and still get free medical treatment, your rent paid for, your kids education taken care off? That is possible in many developed nations abroad and that is what i called peace of mind.

Peace of mind in Nigeria where kidnappers are having free rein? Bokoharam over running many northern states?

CoronaVirusPro:
You only buttressed my earlier point. Look at the mathematics you tabled down for just living a basic life.

Do we that here in Nigeria? We buy own, build wealth that is ours and not the jointly owned with banks. At our demise, we guaranteed transfer to the next of kin without foreclosure or liens showing up.

I am sure you can attest how we live care free and at peace with ourselves no matter the situation. It’s because we owe nobody. All we own is ours. Losing our jobs does not send shockwaves that could make us lose our homes.

It’s a real world here in Nigeria. No fictions or mirages. What you see is real. Nigerians invest too. They make money from stocks, treasury bills, mutual funds and still have the opportunity to invest in foreign stocks- All real assets.

Have looked up the consumer debt of most of these countries? It’s more than the total debt of Nigeria.

Why you find them worried and running like a clock. They look healthy and normal but not at peace.

Look at the mathematics you put up there for just owning a home and getting into investment. The mentality that staying indebted is healthy so you don’t have to pay off your home.

Please come to Nigeria and see real ballers indebted to nobody. They live in a real world.