VeeVeeMyLuv:

he is trying to tell you that only a few % of nigerians can afford a decent life when compared to the developed world, where you will find the world highest concentration of millionaires in $$ o

I hope you know the meaning of the word "HOBO"?

You will find them in America. Don't think we don't have downtroddens and those living in penury in the US.

emperormossad:
Good one ishilove.
At least cattle will not eat you there

I didn't know we now have carnivorous cattle

xynerise:


750k a month is your own definition of a decent life?

Bruv..... That is the good thing about Nigerians..you can see a very happy family living on 80k per month

less than $30k/ annum equivalent to what hardworking bricklayerslabourers earn oversea

xynerise:


750k a month is your own definition of a decent life?

Bruv..... That is the good thing about Nigerians..you can see a very happy family living on 80k per month

That's my "you are cool in Nigeria you don't have to leave amount".


I was happy in Nigeria and I left not for economic reasons but I don't regret leaving.

I sure do miss the "craziness" but I'll rather raise my kids outside Nigeria than in Nigeria.

Let me go to America and make you come here op.Nonsense everywhere in the world you have to hussle to make it.No place in the world is an eldorado.In nigeria we pay high bills monthly and we dont even get the services we pay for.op the list is endless.Op we are suffering here,hunger dey nack man you dey their dey yan dust.Come back Nigeria your brain go reset.

Follygunners:
The problem with African pple is that we're too shallow and mediocre in our thinking. Most 9ja pple residing abroad (Western world / developed nations) come back home to live a premium lifestyle they can hardly afford.

You see them devour a 12-mth saving within a matter of a 2-week vacation in 9ja. Just imagine! They live beyond their means in other to
live/measure-up to the "just-arrived" hype. No be by force. They come to 9ja and can no longer take danfo or BRT as a means of transport... like the innocent 9ja folks using it are 2nd-class citizens. They can no longer go to bed without 24/7 A/C.

They come back home to 9ja and can't go back to that wretched 'face-me-I-face-you' abode they once lived in (where their parents and families still live). They move around with an entourage... a personal driver, 'vampire' friends/relatives et al... they can't deal with the shame of seeing their fellow friends that never left 9ja doing great... so they feel the need to at least match-up.

They give the folks back home in 9ja a delusional impression of an imaginary luxury life they live abroad... who now in turn, expect so much from them. Of course, they got to live up to the hype.

Above all.... majority of the culprits are those doing menial/odd jobs living on meager incomes. They're usually like that.. the poorer they are, the dumber they behave. It's called "Poverty Mentality" !

After all is said and done, they go back with huge debt and bills awaiting them... ( I trust 'dem dem' for there)

This guy and thoughtful kolo

Ishilove:

I didn't know we now have carnivorous cattle

It is well
But any way na way

"And I explained the world of an advanced credit economy to her"
"A world they can never picture or imagine IN AFRICA". LOL!

Africa is a continent, not a country 1st of all. Also, African countries are ON DIFFERENT LEVELS, not the same. IDK about Ghana or other African countries, but we have "advanced credit" in my country, credit cards & all.

Different levels!

Greatzeus:

See your mouth like free internet, America is a capitalists economy, every thing is privatized except for those that has to do with security. So owners of broadband internet will share it free right? Who will bear the cost?
Internet is far more expensive in America and Europe than in Nigeria. The only difference is they enjoy unlimited broadband access and high data speed.

That's not true ya know. Most public spaces have free Wi-Fi, from the shopping centres to trains.

You can get broadband for as little as a tenner within your home.

brunofarad:
All these tales ain't true


You can't compare life abroad to Nigeria
For example, something as little as steady and free internet in America or Europe is enough to change your life for good if you know how to harness the opportunity internet offers.


When they said there is money in the streets of America, they actually meant it.

But it comes as opportunities which you have to harness.

There is nothing like free in abroad everything you see has been paid for by you. Internet electricity, water e.t.c you have to work to enjoy this things

xynerise:


I hope you know the meaning of the word "HOBO"?

You will find them in America. Don't think we don't have downtroddens and those living in penury in the US.

well you certainly do have a valid point there,
absolutely, you will find the less-privileged, under-served and downtrodden in any country so long as its in planet earth, the only difference being the magnitude to which they are found there.

This is very interesting and matured!!!

shaybebaby:

That's not true ya know. Most public spaces have free Wi-Fi, from the shopping centres to trains.

You can get broadband for as little as a tenner within your home.

So If I want to use the Internet I will start looking for shopping centre or public place Inside Cold. Plus I don’t believe you can get a home broadband for £10

Follygunners:


My Bros... na true true ooo.

What is true? So somebody cannot take vacation back home and spend his money any how he wants to. Imagine if he plans on spending just about two weeks with say $5k ( from tax return), that is about #1.7M.

Is that money not more than enough to flex and ball yet still have enough change left. People go for cruise with a lot more than that amount for just a week.

They are not showing off most times, it's just that they simply can afford to spend at that time. I remember the last time I was in Nigeria, buses from Lagos island to Maryland was #200 while taxi was #1500, exchange rate then was 500 to 1 dollar. I was tempted to use the bus but when I did a mental calculation and the taxi fare amounted to just $3 dollars, it just didn't make sense to stress myself in a sweaty bus.

Another instance was food. I could easily go to restaurants where food was 2000 naira a plate because that amour can't event buy a burger here. For someone else, it might look expensive, but to me it was affordable.

Additionally, if you decide to stay in a cheap hotel you can get one for about $30 a day. Paying for your entire two week shouldn't be a problem. Its even advantageous because of the security and electricity and privacy it provides.

Like my Uncle in US told me, everything is not about travelling. Families shouldn't put pressure on people living in US or Europe.

Abeg what is Biological Analyst?

MIKOLOWISKA:
you can grow up and mayure

lol... u are funny... grow up bro...
not everyone will be interested in reading long stories, I prefer photos than that epistle.. and I didn't make any statement that is derogatory. so please don't disturb Me. thanks.

Life here in United States is better
If you not lazy and you are determined
Sky is your starting point

Ishilove:


Emergency Relationship Counselor- by Pius Adesanmi



You read stories like this one shared by the prof and just stare gloomily ahead

I just bookmarked this page. This guy is life

Damzy007:
You pple like discouraging pple, but that can neva afffect someone like me cos i've already made up my mind to leave this shithole. you claim its not easy to buy a phone of your choice over there but here we keep buying their london and uk used phone. imagine skipping a day meals over here not becos youre lazy but you lack an opportunity of getting a job, you even get the job you get many months of unpaid salary. In my perspective I think everyone is entitled to his or her own's opinion.

in the western world, if u no get work for 1 month, na homeless you go dey.. But for africa, if in 3-4 months no job, you still get roof to sleep under. My guy, I am not here to convince you but the day you step into the western world with a visa which does not permit you to work, you will remember africa.

This analysis of the financial life style of people living in the US or other countries overseas is not true. I presently stay in the US.

It is not tied on anybody to buy things on credit; it's not compulsory. However, buying things on credit is a way that the government has resorted to helping people especially the low income earners. In Nigeria for instance, a young university graduate who just got a low paying job of say #80,000 who is in need of renting an apartment and at the same time in need of a car to be shuttling to work may find it difficult to do so because of his income. Assuming that the Nigerian government establishes a law to car dealerships, banks and other financial institutions to grant the requests of persons that wish to buy cars from them on lease and pay over a period of term, you will see that that young school graduate will be able to own a car and better his life.

The money will be split for him to be paying in bits for a period of say 12, 24, 36, 48 or 72 months etc., depending on the terms and the cost of the car. Now let's say he bought a car of #1.5m. Divide the money into the number of months and add a little interest. After dividing you will see that this young employee may be paying as little as #41.6 for a 36 months term over a car he bought on credit. With this life is a little worth easier isn't it. But note that before such a credit sale you will have to enter into contract agreement with the loaning firm. Where in if you discontinue with the payment at any time without haven reached the complete amount, the car will be seized and all the money you have paid earlier will be lost.

The OP also made an analogy with Samsung Galaxy S8 and a lower brand. I will like to clarify him. In US if you are paying for a car you bought on credit and want a newer model, you can always go to a dealership and do what is called a trade-in with your car. In this case you will have to give the dealer your car and the previous credit payment you are yet to clear will be locked in the payment of the newer model car you want to pick. However, your monthly agreed payment might increase. Similar case applies to phone and many other items. This is the one reason there are so much clean cars here and also available for exports; they don't use their cars much before disposing of it.

Contrary to what the OP said about getting credit to come back hom, I come back to Nigeria every year and I pay cash for my flight tickets, I pay cash for all the things I buy for my journey, I bought my car here in the US cash, all my house properties are bought cash. The only thing I bought in credit which I have almost completed the payment is my house.

Here in the US you have to be serious minded in all you do. Once you come to the country be focused and know what you want; don't be carried away with the goodies here. I am not saying that there are no Nigerians here living the kind of credit life the OP narrated but it's few and I don't think it's a bad thing because it reduces financial load on an individual. It enhances fast achievement. It enables one to achieve in a short time what he would achieve in a long period of time.

So OP please don't genaralise. US is always better than Nigeria. Nairalanders don't let anybody deceive you.

Credit card purchases makes life easier here in the US if you can handle the terms.

sonnie10:


What is true? So somebody cannot take vacation back home and spend his money any how he wants to. Imagine if he plans on spending just about two weeks with say $5k ( from tax return), that is about #1.7M.

Is that money not more than enough to flex and ball yet still have enough change left. People go for cruise with a lot more than that amount for just a week.

They are not showing off most times, it's just that they simply can afford to spend at that time. I remember the last time I was in Nigeria, buses from Lagos island to Maryland was #200 while taxi was #1500, exchange rate then was 500 to 1 dollar. I was tempted to use the bus but when I did a mental calculation and the taxi fare amounted to just $3 dollars, it just didn't make sense to stress myself in a sweaty bus.

Another instance was food. I could easily go to restaurants where food was 2000 naira a plate because that amour can't event buy a burger here. For someone else, it might look expensive, but to me it was affordable.

Additionally, if you decide to stay in a cheap hotel you can get one for about $30 a day. Paying for your entire two week shouldn't be a problem. Its even advantageous because of the security and electricity and privacy it provides.

We're saying exactly the same bros... We sabi ur type na.. Go 9ja stay 'hotel', wait for tax return to spend big et al... I hear you bros.. Spend anyhow for 9ja like say you dey knack 6-figs, abi..

Na exactly your type I dey yan about. OK! Abeg, refer to the 2nd to the last paragraph in my comment.

Real earners don't get any $$$$ back for tax return; they mostly owe.... Tax return beneficiaries are for folks with meager income

Go figure! If you know, you know!

shellworker:
This analysis of the financial life style of people living in the US or other countries overseas is not true. I presently stay in the US.

It is not tied on anybody to buy things on credit; it's not compulsory. However, buying things on credit is a way that the government has resorted to helping people especially the low income earners. In Nigeria for instance, a young university graduate who just got a low paying job of say #80,000 who is in need of renting an apartment and at the same time in need of a car to be shuttling to work may find it difficult to do so because of his income. Assuming that the Nigerian government establishes a law to car dealerships, banks and other financial institutions to grant the requests of persons that wish to buy cars from them on lease and pay over a period of term, you will see that that young school graduate will be able to own a car and better his life.

The money will be split for him to be paying in bits for a period of say 12,24, 36, 48 or 72 months etc., depending on the terms and the cost of the car. Now let's say he bought a car of #1.5m. Divide the money into the number of months and add a little interest. After dividing you will see that this young employee may be paying as little as #41.6 for a 36 months term over a car he bought on credit. With this life is a little worth easier isn't it. But note that before such a credit sale you will have to enter into contract agreement with the loaning firm. Where in if you discontinue with the payment at any time without haven reached the complete amount, the car will be seized and all the money you have paid earlier will be lost.

The OP also made an analogy with Samsung Galaxy S8 and a lower brand. I will like to clarify him. In US if you are paying for a car you bought on credit and want a newer model, you can always go to a dealership and do what is called a trade-in with your car. In this case you will have to give the dealer your car and the previous credit payment you are yet to clear will be locked in the payment of the newer model car you want to pick. However, your monthly agreed payment might increase. This is the one reason there are so much clean cars here and also available for exports; they don't use their cars much before disposing of it.

Contrary to what the OP said about getting credit to come back hom, I come back to Nigeria every year and I pay cash for my flight tickets, I pay cash for all the things I buy for my journey, I bought my car here in the US cash, all my house properties are bought cash. The only thing I bought in credit which I have almost completed the payment is my house.

Here in the US you have to be serious minded in all you do. Once you come to the country be focused and know what you want; don't be carried away with the goodies here. I am not saying that there are no Nigerians here living the kind of credit life the OP narrated but it's few and I don't think it's a bad thing because it reduces financial load on an individual. It enhances fast achievement. It enables one to achieve in a short time what he would achieve in a long period of time.

So OP please don't genaralise. US is always better than Nigeria. Nairalanders don't let anybody deceive you.

Credit card purchases makes life easier here in the US if you can handle the terms.

I beg to differ, Sir. Credit cards are NEVER, I repeat NEVER for low earners. It's basically a financial debt used as a means of leverage. The interest rates, fees et al... on this cards are where they generate their revenue (Now do the maths).

They rather issue it to average or big earners NEVER low ones. They mostly need a credit history for the issuance.

Bros, if you know.. you know! Just an FYI.. Thanks!

safarigirl:
They are suffering, they are suffering, but if you tell them to return home, they will act like you wished death upon them

I cannot take them seriously until they start craving to come home. Because bad as e be in the abroad, it cannot be worse than how it is here

A lot of people actually return home

ItzBIM:


So If I want to use the Internet I will start looking for shopping centre or public place Inside Cold. Plus I don’t believe you can get a home broadband for £10

Okay £10 is a bit ambitious but there are deals that work out to be around 15 quid a month. I pay £21 monthly for line rental and unlimited broadband.

For £12 a month (bought my phone outright), I get unlimited calls/texts and 4gb of data. Not to shabby I think.

I thank God for my life.

I did not try to do pass myself and waited patiently

In the end God did more than I could have done myself.

Follygunners:


I beg to differ, Sir. Credit cards are NEVER, I repeat NEVER for low earners. It's basically a financial debt used as a means of leverage. The interest rates, fees et al... on this cards are where they generate their revenue (Now do the maths).

They rather issue it to average or big earners NEVER low ones. They mostly need a credit history for the issuance.

Bros, if you know.. you know! Just an FYI.. Thanks!

Have you or have you not heard of students' credit card. Mind you also that there is competition in the issuance of credit cards. So where there is competition what happens? Of course interest reduction.

Credit history means checking your ability to clear your debts and it's not debt in millions. Get it right.

shellworker:
This analysis of the financial life style of people living in the US or other countries overseas is not true. I presently stay in the US.

It is not tied on anybody to buy things on credit; it's not compulsory. However, buying things on credit is a way that the government has resorted to helping people especially the low income earners. In Nigeria for instance, a young university graduate who just got a low paying job of say #80,000 who is in need of renting an apartment and at the same time in need of a car to be shuttling to work may find it difficult to do so because of his income. Assuming that the Nigerian government establishes a law to car dealerships, banks and other financial institutions to grant the requests of persons that wish to buy cars from them on lease and pay over a period of term, you will see that that young school graduate will be able to own a car and better his life.

The money will be split for him to be paying in bits for a period of say 12, 24, 36, 48 or 72 months etc., depending on the terms and the cost of the car. Now let's say he bought a car of #1.5m. Divide the money into the number of months and add a little interest. After dividing you will see that this young employee may be paying as little as #41.6 for a 36 months term over a car he bought on credit. With this life is a little worth easier isn't it. But note that before such a credit sale you will have to enter into contract agreement with the loaning firm. Where in if you discontinue with the payment at any time without haven reached the complete amount, the car will be seized and all the money you have paid earlier will be lost.

The OP also made an analogy with Samsung Galaxy S8 and a lower brand. I will like to clarify him. In US if you are paying for a car you bought on credit and want a newer model, you can always go to a dealership and do what is called a trade-in with your car. In this case you will have to give the dealer your car and the previous credit payment you are yet to clear will be locked in the payment of the newer model car you want to pick. However, your monthly agreed payment might increase. Similar case applies to phone and many other items. This is the one reason there are so much clean cars here and also available for exports; they don't use their cars much before disposing of it.

Contrary to what the OP said about getting credit to come back hom, I come back to Nigeria every year and I pay cash for my flight tickets, I pay cash for all the things I buy for my journey, I bought my car here in the US cash, all my house properties are bought cash. The only thing I bought in credit which I have almost completed the payment is my house.

Here in the US you have to be serious minded in all you do. Once you come to the country be focused and know what you want; don't be carried away with the goodies here. I am not saying that there are no Nigerians here living the kind of credit life the OP narrated but it's few and I don't think it's a bad thing because it reduces financial load on an individual. It enhances fast achievement. It enables one to achieve in a short time what he would achieve in a long period of time.

So OP please don't genaralise. US is always better than Nigeria. Nairalanders don't let anybody deceive you.

Credit card purchases makes life easier here in the US if you can handle the terms.

My brother thank you. I only got a credit card last year after living in US for 3 years. All my cars, phones, bills were bought with cash from my savings.

shellworker:


Have you or have you not heard of students' credit card. Mind you also that there is competition in the issuance of credit cards. So where there is competition what happens? Of course interest reduction.

I get it.. Student CC comes with a low 'ceiling' or limit. Anyway, my main point is to counter your argument abt the class of folks eligible for credit cards.

sKeetz:
This are the kind of tales this abroad people tell to persuade us to remain in this shithole but tell them to relocate to Nigeria and they will cuss you out.

You'll see some of them that has lived in America for 30 years without stepping foot in Nigeria. Who are you guys deceiving?

They have not visited Nigeria in 30 years most times because of shame. If they come back after 30-years and cannot afford to build a house, the people back home will call them a failure. So it is better they just stay there jeje.

Follygunners:


We're saying exactly the same bros... We sabi ur type na.. Go 9ja stay 'hotel', wait for tax return to spend big et al

Real earners don't get any $$$$ back for tax return; they mostly owe.... Tax return beneficiaries are for folks with meager income

Go figure!

Ok

safarigirl:
They are suffering, they are suffering, but if you tell them to return home, they will act like you wished death upon them

I cannot take them seriously until they start craving to come home. Because bad as e be in the abroad, it cannot be worse than how it is here

Very on Point , they'll not talk about the successful ones oooo na only those who were yet unlucky they'll be talking about.