sbot:


Thank you for this crucial information.

For instance, the 10% you did mention here, is this the total interest rate for the entire duration of the loan?

Thank you.

I finally finished reading the whole of this thread, thank you for sharing your experience. Well appreciated!

u are doing a great job, u have kept the thread alive for years.

I wish to have a thread like this when I enter Yankee too, but for now make I go find garri weh I go drink. Eye deh turn me

Olumighty123:
MackyNaija bro, it's been a while oo, hope everything is going smooth? Compliments of the season bro.

sonnie10:

Share your own first hand experience as an undergraduate, graduate student and then worker in the US. Thanks.

GdexFolami:
Please id like to ask something? What are the advantages of buying a house in US right before leaving for yankee?
@mackynaija

MackyNaija:

Twoods, opinions are like a55holes - everybody has one.
It would have made more sense if you stated yours just like I stated mine; thread title is 'MY thoughts and MY experiences'.

When I was 10years younger, I wasn't insulting people the way you do. Please grow up, our mates don deh manage big businesses for yankee.
Allow people state their opinions and have a clean discussion with them if you disagree.
Golden Rule: Respond, don't React.

Lastly, see the picture below - you and others like you are fighting a lost battle.

Let's keep it civil here. Thank you.

MackyNaija:

I laughed when I read your post.
Only error is that I have always been a Trump supporter even before I got into the US.

Same way I campaigned Against GEJ and now campaigning against Buhari - parties don't matter much, the individuals count the most.

With the way I 'attack' Democrats (actually meaning California) and not Newsom, it is a contradiction you might say...
No, I use magnifiers when reviewing American Dems.

I will gladly vote Republicans as long as the Democrats have anti-American policies.


To your last line, I am all in for LEGAL Immigration.
Na illegality make embassy cancel Dropbox- think about it.

MackyNaija:

To your last line, I am all in for LEGAL Immigration.
Na illegality make embassy cancel Dropbox- think about it.

MackyNaija:
Dear Twoods,
Don't bother replying or writing anything aimed at me as I won't be reading it.

Thanks.

Guontey:

Almost natural progression for your typical immigrant. Looks like you got there pretty fast though. Firstly, desirous of any element of a good life and willing to sacrifice anything for it, including getting into immigration troubles, voting democrats, etc. Once they attain the lifestyle they have so longed for, they start to see everything wrong with where they were coming from. Sooner, they start to vote Republicans.
You find them everywhere, including in Canada where they come in through immigration and then, years later, start voting against immigration!

MackyNaija:
Hi Justwise,
I have never had any issues with anyone posting here but Twoods is violating Rule 1 by derailing this thread.

He can create a topic and call me out there and that wouldn't be a problem but he is distracting those interested in some of the nonsense I have to say here.

Dremca:
...I wouldn't be surprised because your role model, Donald Trump...

TWoods:


1. Again this is largely uninformed. Donald Trump, up until 2015, was simply a political joke. He and his family voted democrat and donated to Clinton's 2008 campaign for president. It's not clear how you were a Trump supporter, considering you likely had no idea what his political views were when you were in Nigeria.

2. You're not "reviewing" or "attacking" Democrats, you're simply delusional. To say Democrats have anti-American politics is sadly evidence that you are merely parroting Republican propaganda. Republicans have not passed a single pro-American law since the 1930s... Let's see what Democrats have passed in that time:

a. FDR passed the new deal in 1933 that rescued the US from the great depression of 1932 that Herbert Hoover plunged the US. The new deal set America up for an unparalleled period of economic dominance until Ronald Reagan destroyed it in 1980 - you can guess what party Reagan was a part of. The new deal introduced major banking reform through the creation of the FDIC (which insures every dollar you deposit in any bank account today), the Glass-Steagall Act, and the Securities Act of 1933. The new deal also established the Federal Housing Administration (which holds >80% of US home loans today), the GI Bill, Social Security, and unemployment insurance.

b. LB Johnson passed medicare (which insures almost all Americans aged 65 and above) and medicaid (which provides income to the disabled and the poor - and is one of the major reasons America does not have the level of poverty seen in Nigeria). Most importantly, LBJ's government passed the 1965 civil rights act - which is what allows ungrateful black men like you to be treated equally in the United States. It also pass the Immigration and Nationality Act of 1965, which reversed the 1922 INA that specifically blocked immigration to the US from anywhere other than Western Europe. This Act is the sole reason people like you can emigrate to the US and apply for an N-400

c. Democrats passed the Child Tax Credit, CHIP (which insures poor children up to the age of 6 - until republicans let is lapse on purpose) and Obamacare (which opened healthcare insurance to the very poor and small business owners0. In the first 8 years, it reduced the proportion of the uninsured in the US from more than 46.5 million in 2010 to fewer than 26.7 million in 2016.

Please tell us what Republicans passed since 1932 that helped you or anyone else? I can tell you what they did though...

a. Reagan cut top marginal tax rates (on the rich) from 70% to 28%... leading to the progressive decline of the middle class.

b. Reagan's deregulation of the economy virtually led to the collapse of American manufacturing, as we shipped jobs to low wage countries like China. See here - https://www.businessinsider.com/what-happened-to-american-jobs-in-the-80s-2017-7

c. Thanks to Clinton, the American economy had a surplus in 2001, we ended up trillions in debt by the time Bush 2 left office, while mirring us in a 20 year destructive war in Afghanistan and Iraq that cost over $3 trillion.

Dude, you have no idea what you are talking about when it comes to US politics... you're simply a follower, just parroting what you hear on Fox with no critical thinking.

TWoods:


1. Again this is largely uninformed. Donald Trump, up until 2015, was simply a political joke. He and his family voted democrat and donated to Clinton's 2008 campaign for president. It's not clear how you were a Trump supporter, considering you likely had no idea what his political views were when you were in Nigeria.

2. You're not "reviewing" or "attacking" Democrats, you're simply delusional. To say Democrats have anti-American politics is sadly evidence that you are merely parroting Republican propaganda. Republicans have not passed a single pro-American law since the 1930s... Let's see what Democrats have passed in that time:

a. FDR passed the new deal in 1933 that rescued the US from the great depression of 1932 that Herbert Hoover plunged the US. The new deal set America up for an unparalleled period of economic dominance until Ronald Reagan destroyed it in 1980 - you can guess what party Reagan was a part of. The new deal introduced major banking reform through the creation of the FDIC (which insures every dollar you deposit in any bank account today), the Glass-Steagall Act, and the Securities Act of 1933. The new deal also established the Federal Housing Administration (which holds >80% of US home loans today), the GI Bill, Social Security, and unemployment insurance.

b. LB Johnson passed medicare (which insures almost all Americans aged 65 and above) and medicaid (which provides income to the disabled and the poor - and is one of the major reasons America does not have the level of poverty seen in Nigeria). Most importantly, LBJ's government passed the 1965 civil rights act - which is what allows ungrateful black men like you to be treated equally in the United States. It also pass the Immigration and Nationality Act of 1965, which reversed the 1922 INA that specifically blocked immigration to the US from anywhere other than Western Europe. This Act is the sole reason people like you can emigrate to the US and apply for an N-400

c. Democrats passed the Child Tax Credit, CHIP (which insures poor children up to the age of 6 - until republicans let is lapse on purpose) and Obamacare (which opened healthcare insurance to the very poor and small business owners0. In the first 8 years, it reduced the proportion of the uninsured in the US from more than 46.5 million in 2010 to fewer than 26.7 million in 2016.

Please tell us what Republicans passed since 1932 that helped you or anyone else? I can tell you what they did though...

a. Reagan cut top marginal tax rates (on the rich) from 70% to 28%... leading to the progressive decline of the middle class.

b. Reagan's deregulation of the economy virtually led to the collapse of American manufacturing, as we shipped jobs to low wage countries like China. See here - https://www.businessinsider.com/what-happened-to-american-jobs-in-the-80s-2017-7

c. Thanks to Clinton, the American economy had a surplus in 2001, we ended up trillions in debt by the time Bush 2 left office, while mirring us in a 20 year destructive war in Afghanistan and Iraq that cost over $3 trillion.

Dude, you have no idea what you are talking about when it comes to US politics... you're simply a follower, just parroting what you hear on Fox with no critical thinking.

MackyNaija:
December 12th 2021, I took pictures A and B. Upcoming community.

Pix C is what our street looks like now, in just 3 months the home with an arrow costs over $50k extra on the base price. Taken Feb 26th 2022.

Pix D is directly behind where I stand to take pictures. Taken Dec 12th, 2021. They have made more progress.

Don't delay, pull the trigger on your house purchase. You are never too young to buy one if you are thinking about it.

Dremca:
Please why don't they build houses over there with block and concrete. I believe its the reason hurricane carry their house during natural disaster.

MackyNaija:
House is coming together..

Pix 5: Cornice installed (think parapet in naija building) and entire Siding done - basically plywood on the sides before tyvek (wraps to keep water away) and bricks.

Next should be plywood on the roofs before roof tyvek and roofing sheets.

philips3:
Good day everyone, please I need your advice. I have USA immigrant visa. Is it possible to go to another state in the US that is different from the address and state I used in my application and during my visa interview without negative effect at the port of entry in the US?
I intend to move from Nigeria to the US.

philips3:
Good day everyone, please I need your advice. I have USA immigrant visa. Is it possible to go to another state in the US that is different from the address and state I used in my application and during my visa interview without negative effect at the port of entry in the US?
I intend to move from Nigeria to the US.

bake19:
If you have us immigrant Visa you can go to any state, but if you plan to leave in an entirely different state or address, you should inform uscis of your new address.

Dremca:
Please why don't they build houses over there with block and concrete. I believe its the reason hurricane carry their house during natural disaster.

Alexgeneration:
Why using wood to build when there's snow,hurricane, fire and flood to contend with?

TWoods:

Simple answer - economics. It is cheaper (although it is debatable if the cost difference is as wide as we assume) to use wood and less complex. You can build a wood home in a few days.

MackyNaija:



Do concrete houses also not get affected by natural disasters?
I know wooden house here can withstand snow and hurricane as much as a block house would... Sam roof loses.
Fire would have a likely total loss on wood. Flood almost same effect.



When I did searches online, I learned some of it is historical.
Initial settlers used what was readily available which was was cheap and fast.

Truly it is very fast - their weight carrying columns are multiple Woods merged as one.
No rebars or waiting for concrete to dry.

Drove past yesterday and they were 50% done with roofing.

Sample Pix 6: Roofing plywood and water insulation done.
(Poor quality pictures taken thru my car window as there was active work at the site, will get a clearer one).
There is the "true insulation" done inside the houses.

MackyNaija:



Do concrete houses also not get affected by natural disasters?
I know wooden house here can withstand snow and hurricane as much as a block house would... Sam roof loses.
Fire would have a likely total loss on wood. Flood almost same effect.



When I did searches online, I learned some of it is historical.
Initial settlers used what was readily available which was was cheap and fast.

Truly it is very fast - their weight carrying columns are multiple Woods merged as one.
No rebars or waiting for concrete to dry.

Drove past yesterday and they were 50% done with roofing.

Sample Pix 6: Roofing plywood and water insulation done.
(Poor quality pictures taken thru my car window as there was active work at the site, will get a clearer one).
There is the "true insulation" done inside the houses.