raumdeuter:


I sure say Nigeria and Africa sef get some dangerous animals sef. But see obaino. Na big titty woman dey weave web around him. Spider no reach him side

Obiano go Australia with otapiapia no insects or spiders can harm him

raumdeuter:


I sure say Nigeria and Africa sef get some dangerous animals sef. But see obaino. Na big titty woman dey weave web around him. Spider no reach him side

big titty…. My type

What’s your take on buying first house… Go big or start small and big later.

I was of the opinion of buying a small 3 bedroom and upgrade later but one Indian don change my mind with her massive house

FBS


Raumdeteur.

Are you guys really sure that this man isn't mad?


See as everyone even kpokpo dey catch cruise.

https://mobile.twitter.com/Simon_MiLes1/status/1613254041433411585

iamoyindamola:

Obiano go Australia with otapiapia no insects or spiders can harm him

My former house…. Spider webs always full my car side mirror

obainojazz:
big titty…. My type

What’s your take on buying first house… Go big or start small and big later.

I was of the opinion of buying a small 3 bedroom and upgrade later but one Indian don change my mind with her massive house

Since you are still a bachelor, a 3 bedroom is a good way to start. Considering you will most likely be getting it though mortgage, I think it make sense to start from there and then when you wife up, both of you can get a bigger one.

larride:


Since you are still a bachelor, a 3 bedroom is a good way to start. Considering you will most likely be getting it though mortgage, I think it make sense to start from there and then when you wife up, both of you can get a bigger one.

Still have to drop like 100k in deposit… Thinking it’s better to suffer the big house till mortgage finish

obainojazz:
My former house…. Spider webs always full my car side mirror

Raumdeuter you see him
He just added to my fear

iamoyindamola:

Raumdeuter you see him
He just added to my fear

Body count of all animals here no reach Nigerian Police Force own

obainojazz:
Body count of all animals here no reach Nigerian Police Force own

Even with those deadly crocodiles?

obainojazz:
big titty…. My type

What’s your take on buying first house… Go big or start small and big later.

I was of the opinion of buying a small 3 bedroom and upgrade later but one Indian don change my mind with her massive house

My opinion

You are at the begining of your career now, Your income is still small and growing. Global recession is looming. So its better to be careful.
You are single have no kids and you live alone except for the big titty you dey carry from time to time and both of you sleep in the same room anyway
Buy something very small and you can pay easily, the spare money you have (Or can qualify for) use it to buy a rental. If possible buy like a condo multifamily side by side or top and bottom, live in one rent or airbnb the other side(airbnb if you have time and your locality is favorable to the business).

Pay your own mortgage aggressively with extra monthly towards principal, Your tenants helps you to pay the mortgage on the other side

In 5yrs time. You already married, you have 2 kids or maybe 10kids depending on how sharp your shot is

Then you are ready to move to a bigger house. while your current house plus your rental become 2 rental properties you own that are paying their own mortgage. In 15 to 20yrs you have 2 fully paid houses paid for mostly by tenants plus your own big house that you will live in

Also remember that the bigger the house, the higher the property tax, heating/cooling, cleaning fees. Imagine giant house where you no dey even reach most of the rooms yet paying big money for it

obainojazz:
Still have to drop like 100k in deposit… Thinking it’s better to suffer the big house till mortgage finish

Do they offer first time home buyer programs? I imagine they are income based anyways..I’d advise you start out small, not necessarily because it’s just you but because you can build better home equity over time and choose to sell or use as rental property. Your bills including taxes and recurring expenses for a smaller home are going to help you save.

obainojazz:
Still have to drop like 100k in deposit… Thinking it’s better to suffer the big house till mortgage finish

No. This is what I would do if I am to start all over

Split the money into two for deposit. Buy 2 houses if you can afford it especially close to the city where the younger crowd like to live, Close enough for you to manage yourself without getting a property manager (who will take a percentage of your rent)

Manage these for the next 5yrs and when you don get 2 kids and above and need more space then move to a bigger one

raumdeuter:


Forget that one. No be inside forest you go live

The ways to japa are either as student, as tourist and overstay, as PR greencard winner(either by lottery or Express entry) or as Business owner

For rich men like Bluray you can research the Investor EB5 visa.

So some still do visa lottery. A friend earlier went on work route as a model cause an international agency chose his own here in Nigeria as part of few for fashion shows across France or Spain though they were to be initially based in UK. They went there did only one or two gigs and that was the end my guy had to look for jobs to keep himself he was also lucky one of those who went alongside him from Nigeria had a relative there. They called them back home last year before their work visa expired. Spotybet must vomit my 50million for me to try that student or tourist route.

raumdeuter:


Kanayo said "the way we can get 25% for our BROTHER Peter Obi"

Obi said "If it were turn by turn, as an Igbo man it is my turn"

I don't have a problem with both statements I just want others to keep the same energy when other candidates say the same

What has others said?

WhoDeyHause:

So some still do visa lottery. A friend earlier went on work route as a model cause an international agency chose his own here in Nigeria as part of few for fashion shows across France or Spain though they were to be initially based in UK. They went there did only one or two gigs and that was the end my guy had to look for jobs to keep himself he was also lucky one of those who went alongside him from Nigeria had a relative there. They called them back home last year before their work visa expired. Spotybet must vomit my 50million for me to try that student or tourist route.

US does not have lottery for Nigerians anymore I think since 2010, I am talking about some countries that may. Yu can reason Maybe Scandinavian or some Island in Asia

Note it might not be your final destination but to settle get their kpali and reason a better location. Jakpa is easier when you no dey hold green passport

I know people wey go from Naija to Botswana to South Africa to Fiji to Australia to Canada and now in USA. Some people route no dey straight but steady progress. You might be fortunate to jump one or two of the stops

Spy360:

What has others said?

Other said Emi Lokan Its my turn

Obi also said its my turn

raumdeuter:


No. This is what I did or would have done f I am to start all over

Split the money into two for deposit. Buy 2 houses if you can afford it especially close to the city where the younger crowd like to live, Close enough for you to manage yourself without getting a property manager (who will take a percentage of your rent)

Manage these for the next 5yrs and when you don get 2 kids and above and need more space then move to a bigger one

As beautiful as this sounds, he may end up spending more money because of recurring expenditures that come with owning a property worth more 2, especially for a first home owner who also has a full time job.

I don’t know what the cost of the home is but that down payment looks exorbitant but it’s not the US and I don’t know the value of the home.

I remember when I bought my first home, my banker advised me to drop the minimum requested and not try to pay too much into initial deposit and if there are 0 down opportunities, I should explore it and use the money meant for down payment to add equity or save.

raumdeuter:


No. This is what I did or would have done f I am to start all over

Split the money into two for deposit. Buy 2 houses if you can afford it especially close to the city where the younger crowd like to live, Close enough for you to manage yourself without getting a property manager (who will take a percentage of your rent)

Manage these for the next 5yrs and when you don get 2 kids and above and need more space then move to a bigger one

I read your first post as well…. I’ll follow your advice especially having another house for tenants.

Let’s say I’m to marry in the next two years with combined income of 250k and above… will your advice change?

Anyways I already know the answer… can’t predict future incomes

raumdeuter:


Other said Emi Lokan Its my turn

Obi also said its my turn

We have dealt with this before.

On what basis is 'emi lokan' by Tinubu and of what basis is it's my turn by Obi.

No need to repeat this.

https://www.nairaland.com/7531104/kenyan-men-average-7-sexual

And Nigerian women are complaining

liveLongNprospa:
But we shouldn't worry about the optics of MM ticket because its all a game to some of you

and you believe this stat?

Roland17:


Do they offer first time home buyer programs? I imagine they are income based anyways..I’d advise you start out small, not necessarily because it’s just you but because you can build better home equity over time and choose to sell or use as rental property. Your bills including taxes and recurring expenses for a smaller home are going to help you save.

I have no idea about the first time buying option… I just know when I got here, it’s been like have 100k deposit or no house… So I’ve always worked towards that.

By April, I’ll qualify to apply for my papers and just renewed my rent for one more year…. So I’m thinking buying instead of more rents in the future

raumdeuter:


US does not have lottery for Nigerians anymore I think since 2010, I am talking about some countries that may. Yu can reason Maybe Scandinavian or some Island in Asia

Note it might not be your final destination but to settle get their kpali and reason a better location. Jakpa is easier when you no dey hold green passport

I know people wey go from Naija to Botswana to South Africa to Fiji to Australia to Canada and now in USA. Some people route no dey straight but steady progress. You might be fortunate to jump one or two of the stops

Well at least leaving naija is a start. Thanks.

obainojazz:
I have no idea about the first time buying option… I just know when I got here, it’s been like have 100k deposit or no house… So I’ve always worked towards that.

By April, I’ll qualify to apply for my papers and just renewed my rent for one more year…. So I’m thinking buying instead of more rents in the future

Yes, buying is better than renting but If you don't get anything from my posts abeg, this is very important "Make sure you have your finances in a row" before you commit to buying a home.

Have a budget and be very strict about the budget because I will assure you that every dollar added has it's implication. Ensure it is a home you can take care of even if the worst happens to you even though we pray for the best. I will encourage you to explore first time home owners grant in your country of residence. Also, determine if you want a new build or a old home, they both have their pros and cons.

When you are ready, find lenders that offer assistance (either full or portions) with closing costs, property title, anywhere or angle that can help you keep your money inside your pocket please exploit it. Also, know the tax situation for the property, depending on where the property is situated.

Roland17:


Yes, buying is better than renting but If you don't get anything from my posts abeg, this is very important "Make sure you have your finances in a row" before you commit to buying a home.

Have a budget and be very strict about the budget because I will assure you that every dollar added has it's implication. Ensure it is a home you can take care of even if the worst happens to you even though we pray for the best. I will encourage you to explore first time home owners grant in your country of residence. Also, determine if you want a new build or a old home, they both have their pros and cons.

When you are ready, find lenders that offer assistance (either full or portions) with closing costs, property title, anywhere or angle that can help you keep your money inside your pocket please exploit it. Also, know the tax situation for the property, depending on where the property is situated.

Thanks for your advice chief… You guys have pointed me in the right direction

obainojazz:
I read your first post as well…. I’ll follow your advice especially having another house for tenants.

Let’s say I’m to marry in the next two years with combined income of 250k and above… will your advice change?

Anyways I already know the answer… can’t predict future incomes

No Buy only what you need not what you can afford(At the moment). Job losses, medical emergencies, miscellaneous expenses can show up and derail your plans

Like Roland17 said, If you cannot buy 2 houses, since you are single, If you dont mind sharing your space, you can buy like a 2 floors house and rent the bottom while you stay in the ground floor

Just always have the mindset say incase job no dey How will I have a roof and feed myself for some months

hopefulLandlord:


and you believe this stat?

Do you have any information to counter this?

Spy360:

We have dealt with this before.

On what basis is 'emi lokan' by Tinubu and of what basis is it's my turn by Obi.

No need to repeat this.

Tinubu was telling his party men in a gathering of strictly APC people vying for APC ticket that it's his turn to get APC ticket on the basis on how much he has contributed to and carried all of them to their desired post. I have helped you so far to achieve your dreams. It's my turn to get the help I gave you back

Roland17:
https://www.nairaland.com/7531104/kenyan-men-average-7-sexual

And Nigerian women are complaining

I think we have finally found where izzou genes came from. Around 6weeks ago he was moving from Saudi to Australia to Poland to Holland to Croatia and France

Now we are sure it's Kenyan genes

obainojazz:
I have no idea about the first time buying option… I just know when I got here, it’s been like have 100k deposit or no house… So I’ve always worked towards that.

By April, I’ll qualify to apply for my papers and just renewed my rent for one more year…. So I’m thinking buying instead of more rents in the future

Smart move. May God guide your steps

liveLongNprospa:


Do you have any information to counter this?

I'm more interested in scrutinising theirs. I'd love to hear how those trotting out the stat define "Martyr"

raumdeuter:


No Buy only what you need not what you can afford(At the moment). Job losses, medical emergencies, miscellaneous expenses can show up and derail your plans

Like Roland17 said, If you cannot buy 2 houses, since you are single, If you dont mind sharing your space, you can buy like a 2 floors house and rent the bottom while you stay in the ground floor

Just always have the mindset say incase job no dey How will I have a roof and feed myself for some months

Smart one

Thanks for taking time egbon… advice very well received

Having rental income is really a way to go… Asked one bros here how he went about buying his house and as he said na God… I just pulled back

Some Nigerians won’t ever give you the right information outside