I am going to crave the indulgence of those that have sent me a DM. I apologize in advance but like i said i like to work with facts. If i replied your DM, please come and tell the house. I dont reply DMs because all the info i want to put, i put it on here. I only replied one DM just out of curiosity and he asked me a question about certifications needed to work in the security field. i am going to answer the question here.
Now, depending on your province, for example in Alberta, you can just go to trainmyguard.com, you can get all the certifications necessary over there. In BC, there are security companies that are licensed to give training and exams at their premises. In Manitoba, its the same thing.they have programs tailored to the province. You can just google security companies in that region and you can go from there.

oluayebenz:



You know Nigerians can believe anything when it comes to abroad things.

Better leave them cos I know they will start attacking you.

Our mod in travel section is very smart
I know he's following this thread from d beginning.

I've been travelling to Canada no be today even doctor sef is not saving up to this guy.
This guy might be a magician thou.

He paid house rent, finance his car I'm still wondering how he's doing it thou.

You guys crying foul just just shut your mouths please. If you have a problem with the thread, state it nicely and move on, or just shut up altogether. You are simply pessimists who dont believe anyone can do great things. If you cant make such in 100 years, that is your problem.

Do you people even know that amount can be saved in Nigeria. I know people making not less than 5k USD monthly in this Lagos from their "Homes" LEGITIMATELY!.. The OP worked and saved 7k in 2 months and you are crying.

Please go else where to bury your faces abeg! I hope @atutupoyoyo2211 does not get moved by your silly comments and continue. If he does, shame on you guys as you have proven to be a total failure who cant motivate a rat. I pity your children @opebiboy and others.

opebiboy:
Guys beware of this dude. He is running a scam! Imagine what he wrote up there that a family member saved $75,000. Over 90% of Canadians can only dream of such kind of money. Enough with your fantasies and fake account balance. This is 2019!

Why are you saying what you do not know without any concrete facts to back it up.

opebiboy:
This got nothing to do with opinions but reality. Your cooked up stories dont add up to reality. No way anyone gonna save $75,000 in Canada in 10yrs even if you work 100hrs a day.

This is pure ignorance way of talking!

opebiboy: It is widely known for a fact that most Canadians save just $360 monthly.

https://globalnews.ca/news/3872236/average-canadian-could-save-360-month-cibc/amp/

You definitely have reading comprehension problem because the article is talking about ability of Canadian to increase their monthly savings by $360 (save more by $360) and not their ability to save $360.

In addition to this when it comes to saving money, do not compare Nigerians who are now Canadian or still permanent resident with Canadians who were born in Canada because our saving goals are different. An average Canadian does not want to save. They will rather work less, go on vacation and spend a lot. While on the other hand Nigerians will work a lot, spend less and save a lot.


I believe the op (@atutupoyoyo2211). His goal is very doable with discipline and I know a lot of people that I have done it for a while and people still doing just to raise capital to start their own thing.

Rather than arguing about this without facts and figures, I will present facts and figures for intelligent people to use when making comments. Let us look at the situation of a person who is either a Canadian citizen or permanent resident (just like @atutupoyoyo2211) or hold unrestricted work permit (i.e. not an illegal person). For someone that spends less, their expenses could look like this

Expenses:

• Rent including utilities (one bedroom or self-contained apartment) = $700 per month
• Monthly bus pass (no car, no insurance required, go fueling required) = $103 per month for Calgary (will be $109 starting January 2019)
• Food (this person cooks. No eating outside or restaurant) = $300 per month
• Phone Plan = $50 per month
• Other miscellaneous expenses: $100 per month
• Vacation (chooses not to take any because focus is on saving): $0

Total monthly expenses = $1253
Total Annual expenses = $1253 X 12 = $15306

If this person lives in Alberta where minimum wage is $15 per hour for the first 44 hours worked in a week and 1.5 multiplied by $15 (or $22.5 per hour) for any hour worked over 44 hours in a week for the same employer, his annual before tax income, after tax income and annual savings for two different scenarios will be as follows:

Scenario 1: Working 10hrs a day and 6 days a week for 60 hours a week (say in two different jobs and not more than 44hrs in each job so that no overtime pay)

Annual income before taxes and other deduction: 60hrs/wk X 52wks X $15/hr = $46,800
Annual taxes and other deductions (Employment Insurance & Canada Pension Plan): $10,059
Annual after taxes and other deduction: $ 36,741
Annual expenses (as calculated above): $15306
Annual Savings: $36,741 - $15,306 = $21,435


Scenario 2: Working 10hrs a day and 6 days a week for 60 hours a week (for the same employer. He will be paid $22.5/hour after 44 hours a week)

Annual regular pay before tax and other deduction: 44hrs/wk X 52wks X $15/hr = $34,320
Annual overtime pay before tax and other deduction: 16hrs/week X 52wks X $22.5/hr = $18,304
Annual total pay before taxes and other deduction = $34,320+$18,304 = $52,624
Annual taxes and other deductions (Employment Insurance & Canada Pension Plan): $ 12,113
Annual after taxes and other deductions : $ 40,511
Annual expenses (as calculated above): $15,306
Annual Savings: $40,511 - $15,306 = $25,205

Now, this calculation is based on the minimum wage anybody in Alberta could be paid. Now, consider if this person is now able to get a job that pays way more than minimum wage say $20, $25, $35 etc per hour and continues to maintain the same annual expenses ($15306) as above because they want to save. Can you imagine what the saving could be in a year? I will leave you to figure that out by yourself.

Can you also now imagine after you are able to get a job in your profession (Engineering, IT guys, Doctors, Accountants, Nurses etc) where you can make anywhere from $35/hour to $150/hrs. At this point, you do not even need to work more than 40 hours a week to make such savings and also increase your monthly expenses to include taking annual vacation, buying a house and a good car.

@opebiboy: What I need from you is to challenge my number and facts as listed. Don’t come and tell me what an average Canadian is saving because their focus is to spend and not to save. The ops focus is to work a lot, spend less and save more.

@atutupoyoyo2211: Do not be distracted. Keep doing your thing because it is doable. I am personally a testimony to that. Number and facts that I presented above are also testimony to that.

Link to the taxes and other deduction calculator I used: https://simpletax.ca/calculator

opebiboy:
https://globalnews.ca/news/3434447/over-half-of-canadians-are-200-or-less-away-from-not-being-able-to-pay-bills/amp/

Again, in case you did not see it in my last post or you just chose to ignore it, I will restate it here for you:

When it comes to saving money, do not compare Nigerians who are now Canadian or still permanent resident with Canadians who were born in Canada because our saving goals are different. An average Canadian does not want to save. They will rather work less, go on vacation and spend a lot. While on the other hand Nigerians will work a lot, spend less and save a lot.

@opebiboy: What I need from you is to challenge my number and facts as listed. Don’t come and tell me what an average Canadian is saving because their focus is to spend and not to save. The ops focus is to work a lot, spend less and save more.

naijaman3:


In addition to this when it comes to saving money, do not compare Nigerians who are now Canadian or still permanent resident with Canadians who were born in Canada because our saving goals are different. An average Canadian does not want to save. They will rather work less, go on vacation and spend a lot. While on the other hand Nigerians will work a lot, spend less and save a lot.


@opebiboy: What I need from you is to challenge my number and facts as listed. Don’t come and tell me what an average Canadian is saving because their focus is to spend and not to save. The ops focus is to work a lot, spend less and save more.

I dont get offended when people post negative stuff online because when whenever we post something online we should expect both negative and positive comments. I get encouraged by the negative comments.
@opebiboy you sound like a hardworking Nigerian that is just trying to be successful like each and everyone of us. You mentioned you import cars from overseas which is an honorable business. let me tell you what i see at the site i work security. This is a 5 year construction project going on here. Every day i sign in trucks to drop off sand and gravel on the site. Now 90% of the drivers of these trucks are Indian, and what they do is that, they bring their brothers from Indian to learn truck driving under them and within 2 years, the apprentice has his own truck and then delivers on his own. Most of them then register their own company and you see the name on the truck. i am at work right now and i truck driver just came. I was registering him in the system when i asked him what company he works for, and he said the name. And i released this man, who is a born and bred Canadian is driving trucks fro and Indian immigrant. The owner of the company was still delivering today, and i talked with him,. he told me he has 3 trucks that drive for him. My bank rep once told me that, everyday she sees truck drivers and restaurant owners, who come in and they have account balances of $300k and above. Anyone in Canada can correct me if i am wrong.
The longshoremen that work on our site make $50 an hour and above. And they are unionized, so their pay always goes up. One of the longshoremen on our site drives a bentley bentayga. My own Security supervisor drives a 2013 g wagon. He is from Iran. He came to Canada and worked Security and warehouse for 6 years straight, working 16 to 18 hours a day. Right now he only works 8 hours a day and his daughter also works on site as the assistant security supervisor. she is also a workaholic getting experience to be a police office. she drives a BMW X6. When my supervisor saw i was ready to work, he always gave me shifts.
The purpose of this is to tell @opebiboy, it is not all about scam, people work hard, people toil day and night to succeed.
You keep posting links thats says "the average Canadian this, the average Canadian that', I am not an average Canadian. I am and will be a successful Canadian through hard work. The internet says Nigerians are poor but all Nigerians are not poor. Try not to be classified as part of the average.

The only area I'm very confused about is where you said your mother earned 120K as a teacher in Nigeria, and you earned over 400K. Then you capped it up by saying that your mom, now a Canadian citizen, wants to go back to Nigeria to 'rest'.

Sometimes I wonder if it's the same Nigeria I left years ago, but someone should correct me if I'm wrong: what sort of teachers in Nigeria earned up to 120K three years ago? Was she teaching at an international school like those British Lekki school or mission schools like Loyola? If she was, then, she must be highly qualified, so how come she struggled on arriving in Canada? And now, Nigeria is a place people go to rest? You even said she informed you that she is no longer intending to go into teaching -- does this mean she's intending to go back to continue life in Nigeria or what?

And if you were earning 400K per month in Nigeria back in the day, what makes you think you are making it more in Canada now? With 400K a month in Nigeria at the time, wouldn't you be able to afford all the same luxury you have now in Canada if you had this same amount of discipline? The bulk of Nigerians you see on this travel section willing to relocate abroad are not earning anything close to 400K a month. And your mom is in her 50's, so how old are you?

Note that I'm not accusing you of lying about anything, I just got confused by these aspects of your statements, and would be a good idea if you could clarify.

opebiboy:
https://globalnews.ca/news/3434447/over-half-of-canadians-are-200-or-less-away-from-not-being-able-to-pay-bills/amp/

I can tell you did poorly at school. Cant you put things in context? You just copy and paste and assume it represents the general. You should know that there are different saving cultures in both countries.

yemiosinbajo:
The only area I'm very confused about is where you said your mother earned 120K as a teacher in Nigeria, and you earned over 400K. Then you capped it up by saying that your mom, now a Canadian citizen, wants to go back to Nigeria to 'rest'.

Sometimes I wonder if it's the same Nigeria I left years ago, but someone should correct me if I'm wrong: what sort of teachers in Nigeria earned up to 120K three years ago? Was she teaching at an international school like those British Lekki school or mission schools like Loyola? If she was, then, she must be highly qualified, so how come she struggled on arriving in Canada? And now, Nigeria is a place people go to rest? You even said she informed you that she is no longer intending to go into teaching -- does this mean she's intending to go back to continue life in Nigeria or what?

And if you were earning 400K per month in Nigeria back in the day, what makes you think you are making it more in Canada now? With 400K a month in Nigeria at the time, wouldn't you be able to afford all the same luxury you have now in Canada if you had this same amount of discipline? The bulk of Nigerians you see on this travel section willing to relocate abroad are not earning anything close to 400K a month. And your mom is in her 50's, so how old are you?

Note that I'm not accusing you of lying about anything, I just got confused by these aspects of your statements, and would be a good idea if you could clarify.

What I'm confused about is what problem you have trying to analyze another man's mother. Well, Yes teachers earn over 130k in Nigeria even as a government worker level 13 upwards. It is her call and that of her family to go wherever and rest so wetin happen? Haven't you heard of people holding top positions in firms in Nigeria and earning that 400k or more relocating to Canada? It is not about luxury but a working country and trying to secure the future of one's children. Why didn't you stay back too..

Please quit trying to understand what is none of your business and let the guy be!

atutupoyoyo2211:
I dont get offended when people post negative stuff online because when whenever we post something online we should expect both negative and positive comments. I get encouraged by the negative comments.
@opebiboy you sound like a hardworking Nigerian that is just trying to be successful like each and everyone of us. You mentioned you import cars from overseas which is an honorable business. let me tell you what i see at the site i work security. This is a 5 year construction project going on here. Every day i sign in trucks to drop off sand and gravel on the site. Now 90% of the drivers of these trucks are Indian, and what they do is that, they bring their brothers from Indian to learn truck driving under them and within 2 years, the apprentice has his own truck and then delivers on his own. Most of them then register their own company and you see the name on the truck. i am at work right now and i truck driver just came. I was registering him in the system when i asked him what company he works for, and he said the name. And i released this man, who is a born and bred Canadian is driving trucks fro and Indian immigrant. The owner of the company was still delivering today, and i talked with him,. he told me he has 3 trucks that drive for him. My bank rep once told me that, everyday she sees truck drivers and restaurant owners, who come in and they have account balances of $300k and above. Anyone in Canada can correct me if i am wrong.
The longshoremen that work on our site make $50 an hour and above. And they are unionized, so their pay always goes up. One of the longshoremen on our site drives a bentley bentayga. My own Security supervisor drives a 2013 g wagon. He is from Iran. He came to Canada and worked Security and warehouse for 6 years straight, working 16 to 18 hours a day. Right now he only works 8 hours a day and his daughter also works on site as the assistant security supervisor. she is also a workaholic getting experience to be a police office. she drives a BMW X6. When my supervisor saw i was ready to work, he always gave me shifts.
The purpose of this is to tell @opebiboy, it is not all about scam, people work hard, people toil day and night to succeed.
You keep posting links thats says "the average Canadian this, the average Canadian that', I am not an average Canadian. I am and will be a successful Canadian through hard work. The internet says Nigerians are poor but all Nigerians are not poor. Try not to be classified as part of the average.

Honestly I am amazed at your composure. Although, you didnt need to explain a thing to any of them. They can think what they want. Who cares? Anyways, I learned a thing or two from the write up.

Please proceed with the good information you are giving. We would like to see you succeed in your saving plans and leave this nay sayers. Who den epp?

deejay102:


What I'm confused about is what problem you have trying to analyze another man's mother. Well, Yes teachers earn over 130k in Nigeria even as a government worker level 13 upwards. It is her call and that of her family to go wherever and rest so wetin happen? Haven't you heard of people holding top positions in firms in Nigeria and earning that 400k or more relocating to Canada? It is not about luxury but a working country and trying to secure the future of one's children. Why didn't you stay back too..

Please quit trying to understand what is none of your business and let the guy be!

How about you take your own advice and mind your business? My post wasn't addressed to you.

First of all, My mum actually earned a bit more than 130k. She worked at the secondary school of a well known federal university and she was working their for almost 20 years. So you can see the 130k is even small.
Now as per my mum wanting to rest, one thing you must know is that, Canada is very hard and Nigeria is very sweet if you have money. My mum used the transit system throughout and it was really stressful for her. The cold was not also to good for her but she bore it and kept pushing. Canada is a place where you may not find it easy to foster friendships because everyone is working. She wants to just go back to Nigeria and take some time off to rest and just do what interests her without going to work every morning. She doesn't need to work, because she converted her savings to naira and bought treasure bills in Nigeria. This gives her an extra 1.2 million naira every year.
As for me, yes 400k looks like a lot of money. But if you read my posts from the beginning, you will see where i said my PR visa was about to expire and i didnt think it would make sense to lose my PR status over a 400k salary. And also being a married man, Canadian citizenship is always good for the children, and trust me with the current state of Nigeria, foreign exchange ain't bad at all.
Lastly, i dont think knowledge of my age is necessary.Well, i am a still young man.

yemiosinbajo:
The only area I'm very confused about is where you said your mother earned 130K as a teacher in Nigeria, and you earned over 400K. Then you capped it up by saying that your mom, now a Canadian citizen, wants to go back to Nigeria to 'rest'.

Sometimes I wonder if it's the same Nigeria I left years ago, but someone should correct me if I'm wrong: what sort of teachers in Nigeria earned up to 130K three years ago? Was she teaching at an international school like those British Lekki school or mission schools like Loyola? If she was, then, she must be highly qualified, so how come she struggled on arriving in Canada? And now, Nigeria is a place people go to rest? You even said she informed you that she is no longer intending to go into teaching -- does this mean she's intending to go back to continue life in Nigeria or what?

And if you were earning 400K per month in Nigeria back in the day, what makes you think you are making it more in Canada now? With 400K a month in Nigeria at the time, wouldn't you be able to afford all the same luxury you have now in Canada if you had this same amount of discipline? The bulk of Nigerians you see on this travel section willing to relocate abroad are not earning anything close to 400K a month. And your mom is in her 50's, so how old are you?

Note that I'm not accusing you of lying about anything, I just got confused by these aspects of your statements, and would be a good idea if you could clarify.

atutupoyoyo2211:
First of all, My mum actually earned a bit more than 130k. She worked at the secondary school of a well known federal university and she was working their for almost 20 years. So you can see the 130k is even small.
Now as per my mum wanting to rest, one thing you must know is that, Canada is very hard and Nigeria is very sweet if you have money. My mum used the transit system throughout and it was really stressful for her. The cold was not also to good for her but she bore it and kept pushing. Canada is a place where you may not find it easy to foster friendships because everyone is working. She wants to just go back to Nigeria and take some time off to rest and just do what interests her without going to work every morning. She doesn't need to work, because she converted her savings to naira and bought treasure bills in Nigeria. This gives her an extra 1.2 million naira every year.
As for me, yes 400k looks like a lot of money. But if you read my posts from the beginning, you will see where i said my PR visa was about to expire and i didnt think it would make sense to lose my PR status over a 400k salary. And also being a married man, Canadian citizenship is always good for the children, and trust me with the current state of Nigeria, foreign exchange ain't bad at all.
Lastly, i dont think knowledge of my age is necessary.Well, i am a still young man.

Very sweet of you to respond in this manner. You clarified everything well. The reason I asked about your mom's pay is that I know nothing about teachers' salary in Nigeria, but with the complaints I hear from them, I assumed that their pay would be nowhere near 120K, because I never expected someone earning that to complain as much as many of them do. But your explanation that she's been in teaching for 20 years clarifies everything. The other areas are also well understood, so thanks for responding!

I understand your reaction to the comment. But because i want this thread to benefit others that is why i still take time to explain. I think we all just need a bit of clarification to understand.

deejay102:


What I'm confused about is what problem you have trying to analyze another man's mother. Well, Yes teachers earn over 130k in Nigeria even as a government worker level 13 upwards. It is her call and that of her family to go wherever and rest so wetin happen? Haven't you heard of people holding top positions in firms in Nigeria and earning that 400k or more relocating to Canada? It is not about luxury but a working country and trying to secure the future of one's children. Why didn't you stay back too..

Please quit trying to understand what is none of your business and let the guy be!

atutupoyoyo2211:
I understand your reaction to the comment. But because i want this thread to benefit others that is why i still take time to explain. I think we all just need a bit of clarification to understand.

If you continue taking time to explain, many unclear areas will be cleared, and more people will be able to learn that way. It will also lend more credence to your credibility, and help people make informed choices. Don't mind those ones telling you to ignore; not everyone is necessarily trolling, people just get confused and need clarification.

Tarh.. You are a troll.. You just got defeated with his ability to explain what you your pessimistic mind didnt believe. If you didnt know, the right thing would have been to ask the question first and not judge. I hope you learnt your lesson as well.

@atutupoyoyo1122 thumbs up! Even if you are 12 years sef!

deejay102:
Tarh.. You are a troll.. You just got defeated with his ability to explain what you your pessimistic mind didnt believe. If you didnt know, the right thing would have been to ask the question first and not judge. I hope you learnt your lesson as well.

@atutupoyoyo1122 thumbs up! Even if you are 12 years sef!

If I respond the way I was going to respond initially, I will get deleted, so what's the point? Let me take some time to go through your posts and profile and see if you're even worth the time.
Modified: Just checked, you're not. Please, don't derail the thread any further.

oluayebenz:



You know Nigerians can believe anything when it comes to abroad things.

Better leave them cos I know they will start attacking you.

Our mod in travel section is very smart
I know he's following this thread from d beginning.

I've been travelling to Canada no be today even doctor sef is not saving up to this guy.
This guy might be a magician thou.

He paid house rent, finance his car I'm still wondering how he's doing it thou.

Once again is this a fact or your opinion?
Are you suggesting that during your travel to Canada you collected personal financial data from all the doctors to come to the bolded conclusion?

On a side note, visiting a country and living in it are 2 different things. If you have only been to Canada as a visitor then you don't know much about the country to challenge the OP

Nice replies from the OP.

They are everywhere;from Franknetter thread to Blowj*bs's to MackyNaija..

Just name the thread, you'll always see this trolls there.

Just simply ignore or answer them maturely the way you just did and watch them fade into oblivion in no time.

yemiosinbajo:


If I respond the way I was going to respond initially, I will get deleted, so what's the point? Let me take some time to go through your posts and profile and see if you're even worth the time.
Modified: Just checked, you're not. Please, don't derail the thread any further.

Whatever! It is easy to identify an envious empty vessel when you see one.

We were enjoying the thread before your likes came and "derailed" it so get back in your place and we will be fine! Thank you

People just hating for no actual reason trying to prove smart. Abeg carry your smart a*s away. Let those who want to learn, learn.

I recently stumbled on this thread but not been able to read through the pages except for the introduction part from the op.
I must say I love your optimism and aspiration and would love to be inspired by your journey going forward but before I ask any specific questions or make any further comment on the thread,I would like to know why you are embarking on this saving drive and what you hope to accomplish as against the comfort and luxury your income may give you.Also I would like to ask if you are in legal status over there so I can be rightly guided .

atutupoyoyo2211:
I understand your reaction to the comment. But because i want this thread to benefit others that is why i still take time to explain. I think we all just need a bit of clarification to understand.

You told the forum what are you trying to achieve
You posted screenshots and payslip showing your progress, you were still called a liar

Why is that when you are focused on achieving something majority of people don't achieve, some people call you a liar and try to bring you down?

I believe you, because you have not asked anybody for anything and nobody has claim that you asked for anything which shows you are comfortable

Nig4Greatness:
I recently stumbled on this thread but not been able to read through the pages except for the introduction part from the op.
I must say I love your optimism and aspiration and would love to be inspired by your journey going forward but before I ask any specific questions or make any further comment on the thread,I would like to know why you are embarking on this saving drive and what you hope to accomplish as against the comfort and luxury your income may give you.Also I would like to ask if you are in legal status over there so I can be rightly guided .

Do you want him to be repeating those?

einsteino:
@Salford1 @TheCongo2 una walka reach here too? Lol

Mehn i just weak when I see say atutupoyoyo2211 dey gross double wetin i dey make for this same Canada and what is crazy is that he does it while watching movies on his job! While my job literally drains every energy in my soul, I cant even dare sit while at my job and if I idle away for 10mins, my supervisor automatically gets an alert, and if its as much as 2hrs its an automatic sack! And all this while battling sleep because its a night shift job. Heck there was a day i slept off while driving forklift, I managed to open my eyes seconds before a collision would have occurred. I even quit gyming because the boxes I lift at work, is enough to burn the calories lol.

Salford1 why una no tell me say na security job be the MMM for this canada? I just dey here dey dull, dey donate my blood give this Ogbanje job.

Was there any form of training b4 u started driving the forklift? Did they require a certification from an external body? E.g you ve to be certified by a body b4 u can operate a crane or excavator, etc?