Enkroachmeister

aka Noobmaster film enthusiasts// Tvshow // anime //
an ally of common sense

[Edits That Bang 💥 @EditsThatBang]

the amount of movies you need to watch to do this edit😭

[Sani Suleman Isah @sani_suleman_]

This petrol matter what should we do cause it is immoral how do we bring down this petrol price?

Watch till the end!

[Enkroachmeister @Gbemify]

@prinxe_B lol these una propaganda no go fly again…build Lagos keh

[Enkroachmeister @Gbemify]

@BolajiOyepoju Amen and may you suffer like how Tinubu and Buhari has made Nigerians suffer and poorer

[Enkroachmeister @Gbemify]

@eclecticinsan @UpliftNuggets @DONUKOGBARA @grok Just look at the comments groks has already disgraced one of them for the Obi accusation😅

[Enkroachmeister @Gbemify]

@SolidKroket Usual suspects

[‘Wale Adejimi @Ifwal95]

I didn’t fully understand the concept of mortgages vs Rent until I invited a financial advisor to my home while living in the Netherlands 🇳🇱.

Growing up in Nigeria 🇳🇬, all I knew was that my parents would take loans year after year to gradually build their house. That was my understanding of homeownership. I wasn’t really educated on how mortgages worked or how buying a home could compare financially with renting.

So one day, I invited a Dutch financial advisor to our home.

My wife and I welcomed him into our living room, and we started discussing our financial situation.

He asked several questions about our income, expenses, savings, and even requested some supporting documents.

Then he proceeded to educate us on how we could build wealth through homeownership.

He introduced me to a website called Funda, where we could search for properties within our budget.

I started searching for houses, and when we eventually found one we liked, he ran the numbers and calculated what our monthly mortgage payment would look like.

To our surprise, the monthly mortgage payment was LOWER than what we were paying in rent! 😭😂

I was like, wait ooo, so we could actually own a house and pay less monthly than what we’re paying someone else’s landlord? 😂😂

But there was one challenge!

We couldn’t find anything affordable in the city where we were renting.

However, we eventually found a perfect home about 30 minutes away.

That meant I would have to give up my daily bicycle rides to work and start commuting instead. 😂

Thankfully, my employer covered public transportation costs from anywhere in the Netherlands to the office.

So basically, I could commute to work for FREE! 😂

That solved the problem!

We proceeded with the mortgage application, got approved, and eventually moved into our own home! 🏡🇳🇱

And here’s the interesting part:

Throughout the time we owned that house, our monthly housing payments never reached what we had previously been paying in rent!

We even had MORE SPACE than we did in our rented apartment!

Of course, buying a home comes with other costs and responsibilities, and it isn’t automatically the better financial decision for everyone.

But in our own case, it turned out to be a very good decision.

Now, let me tell you the most interesting part of this story. 😭

When we eventually decided to relocate to the United States 🇺🇸, we realized that we had actually built up equity in our Dutch home!

Something we wouldn’t have accumulated through rent payments if we had continued renting.

We eventually sold the property, and the equity we had built became a major part of the down payment for our first home in America! 🇺🇸🏡

Imagine that! A house we bought in the Netherlands helped us become homeowners in the United States.

That’s when I truly appreciated what that Dutch financial advisor had taught us in our living room.

One lesson I learned is that sometimes, getting an affordable home means being willing to live a little farther from your workplace, especially when you’re working with a limited budget.

And sometimes, all you need is someone who understands the financial system to sit you down and explain the opportunities available to you.

Financial education is really important!

[Enkroachmeister @Gbemify]

@grok @Sholabaggio @UpliftNuggets @DONUKOGBARA lol even Grok has disgraced you….” He prefers commercial and he doesn’t own a jet “ never did he say he’s never flown private … fucktard

[Enkroachmeister @Gbemify]

@Sholabaggio @UpliftNuggets @DONUKOGBARA Lmao when did Obi claim he’s never flown private jets? He said he prefers commercial to save cost … una go just come online Dey yarn dust … anyways I’m done with you guys

[Enkroachmeister @Gbemify]

@OloriOfOloriss It’s not …20mins on position keh? Even the girl could dry up

[Enkroachmeister @Gbemify]

@Sholabaggio @UpliftNuggets @DONUKOGBARA The fraud that claimed he went to a university in the Us and worked at delloite and yet they both denied him?? Same guy who has borrowed more money than the last 3 govt combined?? Who sounds more like fraud!? Una really be nincompoop

[Enkroachmeister @Gbemify]

@UpliftNuggets @DONUKOGBARA Lol lying about everything yet till now yall can’t drop an ounce of proof … it’s quite ironic that Tinubus life is one big lie

[Enkroachmeister @Gbemify]

@UtdMaI Play maker - Messi
Finisher - Messi ( 92 goals in one calendar year, you Dey whine me))
Assist - Messi
Dribbling - Messi ( man literally has the highest dribbling rate in the world )
Free kicks - Messi is 2 free kicks away from been the top scorer

[Enkroachmeister @Gbemify]

@DONUKOGBARA Well said ….Yes most Nigerian leaders are useless ,m

[Enkroachmeister @Gbemify]

@UpliftNuggets @DONUKOGBARA Tinubu is consistent with one thing, Tax ,corruption and surrounding himself with criminals

[Enkroachmeister @Gbemify]

@DONUKOGBARA lol she said Tinubu is old enough to
Be her father 😅😅 i just thought how true that is

[Enkroachmeister @Gbemify]

@kenkenlewu He should send the value of the 6m with the current exchange rate …. 6m 5yrs ago isn’t the same now

[Enkroachmeister @Gbemify]

@BigMarkYo Yeah whyte people don’t shower normally

[Enkroachmeister @Gbemify]

@The__Vyrus Nature does not punish evil, it punishes the weak …