Speaker 1: Hey, good evening. Welcome to another money space with me
Speaker 1: calu Aja. Of course, on this space, we're talking to
Speaker 1: the economy, we're talking finance panel finance, and of course
Speaker 1: we're talking about investing. And what's a great investment topic
Speaker 1: we have today. Education. If you don't know, education is
Speaker 1: the only investment that you can make that you guaranteed
Speaker 1: a return in some cases more than one hundred percent.
Speaker 1: If you're not educated, and you get educated across the world,
Speaker 1: your incomes will increase, your world, you will improve and
Speaker 1: your future and its power essentially goes up. So for education,
Speaker 1: you don't play with it like it's really really gonna
Speaker 1: be something that you can do and you can improve
Speaker 1: your skill at any level. So this is a great, great, great,
Speaker 1: great great top paper to have today just to talk
Speaker 1: around education, how we can fund it local for education.
Speaker 1: And we've got great guests here today us that's gonna
Speaker 1: help us navigate this topic, right. So you know way
Speaker 1: QSQS is a is a co host, it's gonna add
Speaker 1: the folks that are gonna talk to us today and
Speaker 1: we're gonna try to do this as well. And then
Speaker 1: we're just gonna start right and see how this will
Speaker 1: play into even the tax conversations like just a having
Speaker 1: Nis are waking up in twenty twenty seven or two
Speaker 1: twenty six and understanding that you've got to start to
Speaker 1: pay taxes. Right, there's going to be lots of taxes
Speaker 1: that are going to be paid on incomes that are
Speaker 1: going to be earned. There are also lots of deductions
Speaker 1: that are going to be available to Nigerian families. So
Speaker 1: I question you want to ask yourself is if you
Speaker 1: want to go abroader study, which is very very legitimate,
Speaker 1: how can you structure your balance sheet, your incomes and
Speaker 1: also your tax set up so you can still have
Speaker 1: afford to go and still any benefits that you can
Speaker 1: get who can partner with you in the stryga essentially
Speaker 1: that allow you to then you know, get this done.
Speaker 1: That'sessentially what's want to do. So because I'm relying you
Speaker 1: to add your folks US writer speakers, fantastic and then
Speaker 1: we'll just sort of get the topic going. But I
Speaker 1: just want to just lay out as it's where a
Speaker 1: bit of financial plan and education for those that are listening.
Speaker 1: So if you've been a regular gifts on that shoe,
Speaker 1: we're talking around how you can use the structure of
Speaker 1: Nagia has present to plan out your future. Right, how
Speaker 1: can you write out your assets, your liabilities, your income
Speaker 1: and expenses. Is such a mana that you can specify
Speaker 1: a target investment or target savings so advocated using your
Speaker 1: retirement in its account only your insurance amount that you're
Speaker 1: being insurance so that you're pining for an insurance as
Speaker 1: a way to do target savings. So what are target savings?
Speaker 1: You have a daughter, you have children, you have worlds.
Speaker 1: You want them to go to Harvard in say fifteen years.
Speaker 1: How can you save today that in fifteen years you've
Speaker 1: got those funds available to fund that interaction. That's what's
Speaker 1: talking about today. A good way you can do that
Speaker 1: in Nigeria today is not to write a will which
Speaker 1: can be challenged and all that kind of stuff. Is
Speaker 1: to try to write a trust agreement. Right, So you
Speaker 1: go to a lawyer, you draw up a trust and
Speaker 1: you say, I am the grant or distrust, which means
Speaker 1: I'm the maker. I'm the one making the trust. This
Speaker 1: trust means that my assets know that owned by myself,
Speaker 1: they're now owned by the trust. I'll be a trustee.
Speaker 1: I would enjoy the process of this trust. As I'm alive.
Speaker 1: Should I pass away, I want the total funds in
Speaker 1: my trust to go towards the education of my kids.
Speaker 1: You write that in there, and it's also testament. You
Speaker 1: would mean even if you're not there, they have to
Speaker 1: follow what's in the trust to go to the education
Speaker 1: of my kids. Where my kids are educated, give them
Speaker 1: a salary, and there's any money left over, take that
Speaker 1: money and give to my favorite charity. You can give
Speaker 1: them to Chelsea or ask Noal Football club. But you're
Speaker 1: writing something that you are not there and will be obeyed.
Speaker 1: You're gonna have trustees. It can be if you're trust
Speaker 1: is like your friends, but I prefer corporate trust you
Speaker 1: because corporates, you know, you don't know them in quote,
Speaker 1: but they weren't carry out your authority even when you're
Speaker 1: not there. So you then look for an asset that
Speaker 1: you're doing not put in that trust, and that asset
Speaker 1: is gonna fund your education of those kids. So if
Speaker 1: I have to wortrae kids for instance, right, I could say, Hey,
Speaker 1: I'm gonna do a trust. These kids are gonna be
Speaker 1: taking care of in the trust. If I pass away
Speaker 1: the trust that my assets goes to my trust, and
Speaker 1: my trust pays for the education of this kid. You
Speaker 1: can even put a live insurance policy. You can buy
Speaker 1: life trust policy and you can make your trust the
Speaker 1: beneficiary of your bl like policy. Not you to trust
Speaker 1: anything happens to you, The insurance company pays the trust.
Speaker 1: The trust then uses your life policy to then educate
Speaker 1: your kids. The very simple way of doing this. Why trust,
Speaker 1: Because they're gonna go to probate. It's not only your money.
Speaker 1: It's not gonna go to private credit and find the beneficiaries. Right,
Speaker 1: it's easier to do it's less. You can't go and
Speaker 1: challenge a trusting court, so you can't have your neighbor,
Speaker 1: your brothers you come to say, oh want challenge is this?
Speaker 1: This will because the trust right the legal docment set
Speaker 1: of well when you didn't know that very simple easy
Speaker 1: way for you to manage that transition process. So look
Speaker 1: at the tax laws that have in past. Now, right,
Speaker 1: what can we used to accomplish this distrust? If you look
Speaker 1: at the tax laws, they are saying that if you
Speaker 1: contributes money to your retirement savings account, that retirement savings
Speaker 1: account is any contuns you make are tax exempt. So
Speaker 1: now let's bring it back to today. I want to
Speaker 1: send my daughter to Habard in fifteen years. You're just
Speaker 1: born today. What do I do? I go to a
Speaker 1: finance guy. The finance guy tells me, listen, to send
Speaker 1: your daughter to Habard in fifteen years, do not cost
Speaker 1: you twenty million ERA every year or today whatever number
Speaker 1: he gives me. So what do I do? I go
Speaker 1: to my ARRASA, my PSP company, and I open up
Speaker 1: a retirement savings account and I make additional fluncial contributions
Speaker 1: to that account. When I make those contributions, they are
Speaker 1: in the account. I can take them off after five years,
Speaker 1: tax free five years. But depending happens to me, the
Speaker 1: returnatives account is going to be paid to my trust.
Speaker 1: So my trust is my beneficiary. They paid to my trust,
Speaker 1: and my trust they educate my kid in university. Simple.
Speaker 1: So use your arssy to accumulate the funds, and the
Speaker 1: funds go to your trust. If you're alive, that's fine,
Speaker 1: you take the money and use get your daughter. But
Speaker 1: if you're not alive, the trust does that. So this
Speaker 1: way we want to just introduce this whole topic of education.
Speaker 1: It's a long term asset, but look at the only
Speaker 1: asset that is guaranteed the return. So fantastic. We've got
Speaker 1: the QS folks in here, right, so do add who's
Speaker 1: gonna start? Who's gonna start with? I've got missus p
Speaker 1: actually gonna start and just walk us through what is
Speaker 1: QS and what you guys do, and that is PID
Speaker 1: want in yourself. And then oh just just just dropped off. Okay, okay,
Speaker 1: I'm gonna add you right back. So essentially we've got
Speaker 1: QS guys here and I hope they let me just
Speaker 1: make sure I have them all sets up here so
Speaker 1: that they can get back. And she just dropped off
Speaker 1: now as I called her, gonna make sure they're all
Speaker 1: sets of co hosts. Yep, there we go. Yep, so
Speaker 1: adding you fantastic. Yeah so yeah, So I'm want to
Speaker 1: seeing questions about the well I just talked about the
Speaker 1: rs and the trusts and the education, go back to that.
Speaker 1: But I just wanted to get yeah, miss Peach, but
Speaker 1: gonna allow QS toroduce themselves why they are here and
Speaker 1: why it is important for us. Right, So, miss Pier,
Speaker 1: I have you here. You want to go ahead and
Speaker 1: use yourself pulling a DOJ A psychologist counselor passionates to
Speaker 1: my TERI writer, food enters and stuff like that. Love
Speaker 1: to sing ahead, man, what's that?
Speaker 2: Hi? Everyone?
Speaker 1: Good evening?
Speaker 3: Yeah, thanks for having me, and thanks for having my
Speaker 3: colleagues as well.
Speaker 2: So I'm palling, as you've rightly said, so please bagon
Speaker 2: me this profersive bits old. I haven't been on X
Speaker 2: in a very long minute, so I'm even surprised to
Speaker 2: hear about myself.
Speaker 3: But I am currently an enrollment manager at QS Apply,
Speaker 3: So I'm a counselor basically in everything that leads to
Speaker 3: international street recruitment at QS do that apply.
Speaker 2: So that's basically who I am and it gain Thanks
Speaker 2: for having me.
Speaker 1: See what is what is? Key question?
Speaker 2: Okay?
Speaker 3: So QS is actually short Folk Occury one.
Speaker 2: Good luck trying to pronounce everything for Yeah.
Speaker 4: We started off as evening that the boards if ever.
Speaker 3: To check like how universities are around globally, QS would
Speaker 3: most likely come up, so you will see as KS
Speaker 3: world rankings. Now, because of the relationship that we're built
Speaker 3: with institutions globally, we've gone from not just providing them
Speaker 3: with data, We've now transitioned or evolved to include to
Speaker 3: the recruitment so university strusts to manage to match them
Speaker 3: to prospective students and match perspective students to the institutions
Speaker 3: that will feed them.
Speaker 2: So that's what we do.
Speaker 3: Essentially, we manage the ending process of studying abroad, from
Speaker 3: the process of application to the process of following up
Speaker 3: on your application, chases up onto visa application, things like that.
Speaker 2: So all of that, that's what we do. And our
Speaker 2: services are absolutely free if any. So yeah, how come
Speaker 2: they're free?
Speaker 1: Like this looks like a law looks a very very
Speaker 1: specialization that you guys do. How come it's free?
Speaker 2: Okay?
Speaker 3: So they're free firstly because.
Speaker 2: Universities understand that.
Speaker 3: Trust is something that's important to here. So if we're
Speaker 3: able to become to students and they see that this
Speaker 3: process is completely taking off, they don't have to worry
Speaker 3: about financial commitments with regards.
Speaker 2: People are people are following into a lot of wrong hands.
Speaker 2: So it's like this is a trusted partner. You go
Speaker 2: to them the access to and then.
Speaker 4: We have a partnership that we'll cover for those services.
Speaker 2: So the benefit for us is that you make it
Speaker 2: to school.
Speaker 5: M hm.
Speaker 2: Yes, So that's why it's our sex is there freely.
Speaker 2: It doesn't mean that the students is not being too show.
Speaker 4: That all of that, but at least the process of
Speaker 4: starting to get in your visa.
Speaker 3: QS would you know give you their expand guidance after
Speaker 3: no charge.
Speaker 2: So that's that's what we do.
Speaker 1: And I'm sharing the power point plantation for QS that
Speaker 1: just about seventy seventy one universities ranking refer to QS
Speaker 1: thirty years experience in doing this a London based education
Speaker 1: fifty five million people see the QS platforms every year
Speaker 1: rely on your data. This is very very impressive. Good
Speaker 1: job guys. So if I was going to go to
Speaker 1: school in the UK, what would I do? How does
Speaker 1: QS would help me? I would go to QS and
Speaker 1: I get the ranking. I'll go to my university and
Speaker 1: then get that ranking, but it should referry into QS.
Speaker 1: How does the relationship play?
Speaker 4: Okay, So sometimes you might have an idea of where
Speaker 4: you want to study.
Speaker 2: And you know what it would entail.
Speaker 3: And sometimes you might be completely cloless and just coming
Speaker 3: to me and say I want to study in UK,
Speaker 3: but I don't know what I need to do.
Speaker 2: So the first thing I would do is.
Speaker 3: At least go to my counselor on time, go to
Speaker 3: the organization on time and see I want to say
Speaker 3: time up until the year.
Speaker 2: Ahead, so you can do from again head to anything.
Speaker 3: I wouldn't recommend anything less than six months. Yes, for example,
Speaker 3: if I wanted to study in the UTCA September, I
Speaker 3: would start having that conversation now because there are lots
Speaker 3: of finances involved.
Speaker 4: So first of all, your counselor would help you to
Speaker 4: know what do you want to study?
Speaker 3: Outfit are you for the cost that you want to study.
Speaker 3: They will help you to understand your the financial implications
Speaker 3: if you cannot device you or what's the next intach
Speaker 3: that you can be talk for. I guess you would
Speaker 3: have an idea of what the plan needs to be.
Speaker 2: And then it will help.
Speaker 3: You to go back to your drawing on and know
Speaker 3: how feasible it is for you.
Speaker 4: So again you cons will help you with finances. They
Speaker 4: will help you look through your documents.
Speaker 2: If you're maybe like.
Speaker 3: An agent the older or you harry that class, they
Speaker 3: will help you to narry, narrow down your alternatives, things
Speaker 3: like that.
Speaker 2: So that is what the Curios team will do for you.
Speaker 3: And then at each stage they will keep advising you.
Speaker 3: They'll say, Okay, now it's sometimes that your offer. Now
Speaker 3: it's time too was it? Now it's time to enjoy
Speaker 3: your proof of funes is counting ahead of yours.
Speaker 2: This applications in all these kinds of.
Speaker 1: Things, gotcha, let's get into that. I do know you are.
Speaker 1: I mean, you have the team that's supposed to beeak
Speaker 1: here added, so I pause, just find us to do
Speaker 1: all the questions on you. But just let's talk around
Speaker 1: the whole process of planning out edication. I've tried to
Speaker 1: lay out on my own end using at the tax
Speaker 1: laws have in past, using your RST, how would you
Speaker 1: lay out the financial plan for that your family where
Speaker 1: twenty five years old, we just got married. We want
Speaker 1: that you had to go to university. Have brought in
Speaker 1: twenty years because that's a long term plan. How would
Speaker 1: you advise that the family, Knight, you have plans to
Speaker 1: help this education are sped.
Speaker 6: Okay, first thing, first, twenty years a good time, It's
Speaker 6: lots of good time. But the first thing I would advise,
Speaker 6: I mean, looking at everything we've been through as a
Speaker 6: country in the past few years, I would say, seen
Speaker 6: before the currency m you know, well, I believe that
Speaker 6: sounds patriarchy, old boy, it makes.
Speaker 1: It makes sense because I always tell the one to space.
Speaker 1: You say it in the currency that you are spending in, right.
Speaker 1: So if you're able to say, tend to send your
Speaker 1: kids to school in the UK, you want to see
Speaker 1: in powers or euros, right, because that's just you will
Speaker 1: remove that exchange rate risk. And again let's let's come
Speaker 1: back to this new tax a more that has been passed.
Speaker 1: If you take nayra and you invest in a foreign
Speaker 1: owned outlets, may be a rental or bond or stock.
Speaker 1: The boy is saying that if the currency do them
Speaker 1: to come back to Nigeria in foreign currency, you don't
Speaker 1: be taxed. But in this instance, I'm sure if they're
Speaker 1: gonna be in the currency back when it comes back to Nigeria,
Speaker 1: you're not going to pay tax. But in senstance, you're saying,
Speaker 1: seeing the currency of the school you're going to dusson
Speaker 1: I'm here.
Speaker 3: And you say yes, saving that currency. It's also a
Speaker 3: way to come back to intuition.
Speaker 4: I mean, I willn't say I'll be able to financially expect,
Speaker 4: but I speaking based on the experience.
Speaker 2: For example, as Jude twenty twenty three.
Speaker 3: Imagine one week, so many weeks up and there's about.
Speaker 4: Six hundred and as a students, you feel like, oh,
Speaker 4: I have all my money in check micro for FUMS
Speaker 4: is counting.
Speaker 2: For my visa.
Speaker 1: And then the following d.
Speaker 4: By June twelve windows and over happened, you know.
Speaker 2: By that week. By the following week, exchange rates carockets too.
Speaker 2: Should I say two thousand pounds nine? I don't know
Speaker 2: how quickuld went bold.
Speaker 3: Everything that people thought they had was devalued overnight, just by.
Speaker 2: One policy or by one situation.
Speaker 3: So I'm just saying, if you know that you want
Speaker 3: to study abroad, like this is what you have planned
Speaker 3: for your child, then you really should save in that
Speaker 3: currency need to combat inflation. And you know, I mean
Speaker 3: it's something that brings you interest as well.
Speaker 4: There are lots of things you can invest in now
Speaker 4: that you know with little resource. Over time, it builds up,
Speaker 4: you know, it build up for whether it's for accommodition,
Speaker 4: whether it's or they're living expenses, travel, all those kinds
Speaker 4: of things.
Speaker 2: So twenty is is very good time. That's just what
Speaker 2: I'm trying to see. But I would said the.
Speaker 4: Number one thing, the fundamental thing we'll need to say
Speaker 4: at least in that currency just to combatication.
Speaker 1: Yes, in that currency that I want to go to.
Speaker 1: So that's one. How else to like what else? Just
Speaker 1: go ahead?
Speaker 2: So again having information to knowing. So the truth is
Speaker 2: in twenty years, a lot of things I want to
Speaker 2: change in this industry. Things change every every intach. So
Speaker 2: for example, now.
Speaker 4: I don't expect you to know becausisions in the industry,
Speaker 4: but we've had a very rough journey where this says
Speaker 4: in the UK are taking longer than the NOR money
Speaker 4: would So I thinking that can happen between now and twenty years.
Speaker 2: But I think if your finances are in checked, that's
Speaker 2: one thing less to worry about.
Speaker 3: So have money to base.
Speaker 1: Yeah, and there lots of investments. Say that if you
Speaker 1: don't have money today and you start to see, you're
Speaker 1: making it better for yourself. And again if you were
Speaker 1: in your broad they have lots of edicated accounts like
Speaker 1: five two nine where you can put money aside and
Speaker 1: that money is invested for you task free for education,
Speaker 1: specifically for education Nigeria. We don't have it. So the
Speaker 1: one investment, like I go back to the street anything
Speaker 1: this account that's the one investment. I think that you
Speaker 1: can use and feedback as an educational account because any
Speaker 1: money you put in there, if you're going to Donyra,
Speaker 1: it's tax extents, right. And if you're going to do
Speaker 1: a broaduct like you're recommended Google broad, look for a
Speaker 1: foreign mutual fund or a foreign income based fund that's
Speaker 1: gonna pay the diffidence. Put your money in there, let
Speaker 1: it grow as the child is growing, so that the
Speaker 1: process of compounding allows that money to grow that when
Speaker 1: the child is holder, it's not much easier for him.
Speaker 1: Completely agree. Absolutely, So you're talking again about the So
Speaker 1: we've got Michelle here as well. Michelle. Yeah, So I
Speaker 1: was gonna does Michelle having to add on to this planal?
Speaker 1: Do you want to continue?
Speaker 4: Michelle straight and I think we might need to refresh
Speaker 4: the question for her.
Speaker 1: Yeah, him, Michelle, Thank you, Michelle. We've been talking about
Speaker 1: what QS is, We've talked about what QS does. We're
Speaker 1: I'm talking about how to plan out I want to
Speaker 1: send my kids abroad and say twenty years or ten
Speaker 1: years long term plan? What is the process? What's the
Speaker 1: suspends that listen, the first thing you want to use,
Speaker 1: you'll just have a long term savings mindset, take the
Speaker 1: money aside, how to put it aside for the for
Speaker 1: the earnings to earn dip then that would then be
Speaker 1: for education. So its then to how I can plan
Speaker 1: in Nigeria to educate my kids abroad or Nigeria and
Speaker 1: its being foreign currency. What are the best practices that
Speaker 1: we can adopt.
Speaker 7: Okay, thank you very much and I apologize again for
Speaker 7: joining really.
Speaker 2: On the topic of planning ahead. I think.
Speaker 7: What's polymos succeed actually goes in line.
Speaker 2: But just so happly to in Nigeria.
Speaker 7: Yes, we do have the culture or I believe this
Speaker 7: space is for Nigeria right for West Africa.
Speaker 2: I believe in Nigeria we don't.
Speaker 7: Have that culture where parents tend to start up phones
Speaker 7: for successfully for education. And just a few people are
Speaker 7: quite informed that that actually happens in Nigeria. Board it's
Speaker 7: enforced and people feel like when they keep out phones.
Speaker 7: May be true in insurance accountries and all that, it's
Speaker 7: it's really response is actually the best way to go
Speaker 7: about it, because in the worst world, that's.
Speaker 2: What people do.
Speaker 7: You start out little amount monthly, you just put it,
Speaker 7: put it in there and forget about it.
Speaker 5: It looks like you've forgotten about it.
Speaker 7: But over time it's a cruise interest that would stand
Speaker 7: out when you stand for the child to go to
Speaker 7: college and study anywhere, and then the interest rates.
Speaker 2: Keep going off for you. I think there are.
Speaker 7: Certain things like that in Nigeria for some specific insurance companies.
Speaker 5: I think while I was back in Nigeria, I had that.
Speaker 2: Educational savings.
Speaker 7: I think it's a trust fund something that I was
Speaker 7: doing and the money grew.
Speaker 2: But yeah, so, but it's just a lot.
Speaker 5: Of us are not in form but that's.
Speaker 7: Actually the best way to go about it. We have
Speaker 7: the culture of oh, I want to go to school,
Speaker 7: and when you want to go to school that you
Speaker 7: start looking for money. But usually if you've saved out something,
Speaker 7: it's just schools in long way, so long time saving plan.
Speaker 7: It's really good for if the parents have plans to
Speaker 7: send their kids abroad.
Speaker 5: Even if the money is there and enough.
Speaker 7: At the time, it's still good to have that coach.
Speaker 7: I mean, we never know what happens tomorrow and how
Speaker 7: further money can go. So that's which I can add
Speaker 7: on that.
Speaker 1: Okay, so let's go. Do you have any other point again,
Speaker 1: we're talked about being in forest? What else? How over
Speaker 1: the next step down.
Speaker 2: Before, I think we've covered.
Speaker 3: In terms of finances, so we've sent to saving in
Speaker 3: foreign currency.
Speaker 2: We've said interesting in a fund that will grow over time,
Speaker 2: and I think I've mentioned twenty years is a long time.
Speaker 2: So if you have your plans and you're consistent of
Speaker 2: thine years, I think that you know reading right track?
Speaker 1: Okay, how do you how dog? How how do they
Speaker 1: continue students? How do they the best present that they
Speaker 1: do there that we can copy here? Don't care?
Speaker 2: I think I can come in on that one.
Speaker 7: So here in Canada they do what they call it's
Speaker 7: ourly SB, more like reserve Educational fund savings for studies.
Speaker 7: We say here they are of advantage, or in Canada
Speaker 7: they are of advantage because the government also pays the children.
Speaker 7: So most parents is easy for them to say it
Speaker 7: because as soon as the the money called the children's account,
Speaker 7: some of them tend to use it or remove some
Speaker 7: and save it.
Speaker 2: Then over time the.
Speaker 7: Interest crews and when the kid is ready to go
Speaker 7: for college, it's just easy.
Speaker 2: So it's a normal.
Speaker 7: Practice here in Canada for parents who are wise enough
Speaker 7: to say for their kids. Sometimes over ten years, fifteen years,
Speaker 7: and the money is in not to cover for the
Speaker 7: entire duration of the child's study twenty years or four years.
Speaker 7: So the Nigeria's system probably adults the same kind of thing,
Speaker 7: maybe not necessarily paying the other age or the children
Speaker 7: as they were doing. Kinadabout if the parents can also
Speaker 7: you know personally, because it's not the government that Mindy's
Speaker 7: parents to save. There is an option for that, it's
Speaker 7: optional parents. Some parents don't save that money when it comes,
Speaker 7: they use it for their list of for some parents
Speaker 7: take our phones from them. So I will feel that
Speaker 7: if we wait for the government in Nigeria, this will
Speaker 7: never happen. Well, I'll just say that parents should just
Speaker 7: have the culture of taking out something from what the
Speaker 7: end or profit make from their businesses or something and
Speaker 7: just take it out besides the school fee the pay
Speaker 7: and take it out to see this is for future
Speaker 7: my child's future education. It will go along with it's
Speaker 7: talking about the saving culture. Why you know that's some
Speaker 7: think that is actually interest for you, not like saving
Speaker 7: in the Pantress's almost useless.
Speaker 5: Sometimes, but they are.
Speaker 7: I feel like there's so many options that people can
Speaker 7: tend to invest in on a long term.
Speaker 5: Business to help them.
Speaker 7: I mean if we can't before they got me into
Speaker 7: doing things from things.
Speaker 1: Doesn't matter when if I'm going to do the way
Speaker 1: I say to go to South Africa matter it's conscious
Speaker 1: to work. Does this change how productive saves? I do
Speaker 1: change much.
Speaker 2: But just as you said that if somebody is.
Speaker 7: Going to be a different destination, what was for them
Speaker 7: may be different from other destinations, but it was still
Speaker 7: going back to whatever.
Speaker 2: Is each old when you're especially enough to help.
Speaker 7: You pay, as we discovered, and the destination child goes
Speaker 7: to study and I was then to work ours spele
Speaker 7: week that can only go for daily expenses to nothing
Speaker 7: close to pay intuition. So intuition is out of the way,
Speaker 7: then that can be a bite for you that's working
Speaker 7: a few hours, because I think for most countries, if
Speaker 7: a child is paying for undergrad busy, you're only at
Speaker 7: work around twenty hours per week and twenty years, so
Speaker 7: twenty yards per month.
Speaker 2: Right probably is it per week or a month fair week.
Speaker 7: Per week, so that breaks it down, so maybe three
Speaker 7: hours in a week or it's three years may day,
Speaker 7: so it's usually not enough to go anyway, I.
Speaker 1: Did call of mistakes. I mean, like this is a
Speaker 1: white topic because I don't know where my child's because
Speaker 1: the school in eighteen years. But what shouldn't I do?
Speaker 1: I know what I'm hearing you guys say a plan,
Speaker 1: I head plan long term investments in foreign currency. They
Speaker 1: think about that compounds. Why shouldn't I do one of
Speaker 1: the things I should not do?
Speaker 2: Things you shouldn't do as now.
Speaker 1: Given like a common mistake you think people are making
Speaker 1: that actually I won't send their kids abroad? What mistakes
Speaker 1: do you think they are making that if they know
Speaker 1: now they should not do.
Speaker 7: Still going back on saving saving a end of the
Speaker 7: time most times because that we have enough money and
Speaker 7: in the next ten years our wealth will still be
Speaker 7: on the same level or into a groom, or sometimes
Speaker 7: life happens and then when you're bready to send your
Speaker 7: child abroad, there's no money and they start looking for
Speaker 7: where to grow from. Or when you have these savings
Speaker 7: ahead of time, nothing shapes you. Then you drop given
Speaker 7: the fish in fishing, in country, drugs or if it happens,
Speaker 7: the fact that already have this saving, it's not like people,
Speaker 7: it's a covering for you. So they still stand on
Speaker 7: that having no time saving culture and the clouds that
Speaker 7: you probably don't have an ethen or or something. It
Speaker 7: just just keep the money there. You know here we
Speaker 7: don't go to the band to drop the funds. It
Speaker 7: just goes out of account monthly. Whatever it is you're
Speaker 7: doing to eair for you to say when you don't
Speaker 7: put it in a culture where you have to go
Speaker 7: pulling the one set to your accounts in such a
Speaker 7: way as soon as the ten of the mons or
Speaker 7: the day of the month, getting the deduction thus goes
Speaker 7: from the account.
Speaker 2: Is make it easy for.
Speaker 7: Sometimes see those reductions actually is very discomforting.
Speaker 5: But when you know that you're planning for loans and commitments, I.
Speaker 2: Feel like it goes alonge me.
Speaker 1: Yeah, so that's they're watching agains. They said you were
Speaker 1: talking about educationals and investment and return investments and all
Speaker 1: that I have shared on Twitter and also that you
Speaker 1: guys on YouTube. Has a lot of visuals we have
Speaker 1: from qs there's a bark or the QR code and
Speaker 1: put their shed on Twitter as well. You can just
Speaker 1: scan that back code has a list of the ap
Speaker 1: next you shots about found twenty two here from schools
Speaker 1: in Australia. To Cyprus, to France, to Singapore, to Switzerland
Speaker 1: and to oust Beckistan. The biggest I see here at
Speaker 1: the United States about wondering not with UQK and eleven
Speaker 1: one fourteen US one hundred and four, so anally, like
Speaker 1: you were talking about earlier, the US has certain investments,
Speaker 1: they do grants, they do five two nines and five
Speaker 1: two nights, and like a way to say, all the
Speaker 1: US states have it. So I allow you to buy
Speaker 1: tuition ahead of time, so you can buy the tuition
Speaker 1: in twenty years today. So we'll allow you to save
Speaker 1: tax free, and you can move the money from one
Speaker 1: child to the other child and all that. So we
Speaker 1: literally have that in Nigeria. Maybe we missed that with
Speaker 1: the new tax reforms have put something that I would
Speaker 1: encourage families to say, specifically towards education. But again my
Speaker 1: question is again when families are planning for the nations, now,
Speaker 1: what factors also should they focus on? Is it just
Speaker 1: the savings or all this conscious here? If I don't
Speaker 1: read about Czech Republic, why should I look at Czech Republic?
Speaker 1: I think you can give me. Do I have to
Speaker 1: have the family structure in Czech Republic? Do I look
Speaker 1: at the ends for Czech graduates when they leave school.
Speaker 2: What is my thinking?
Speaker 1: If I don't want to go to the UK and
Speaker 1: the US, which I think everyone wants to go to,
Speaker 1: how do how do I approach this?
Speaker 2: Okay, I think I can speak a little bit on this.
Speaker 2: The truth is when people choose to study abroad and
Speaker 2: relocate to their families, we have a vision, right, I
Speaker 2: left in the.
Speaker 3: Past, left once practice happened because they wanted to remain
Speaker 3: in them.
Speaker 2: Yeah.
Speaker 3: So you know, it's a strong organization, strong body that
Speaker 3: governs Europe and usually if you're in one part of
Speaker 3: the EU, it's easier to transition into another part of
Speaker 3: the EU. Right, Let's think about strong passports, all those
Speaker 3: kind of things, and countries without borders.
Speaker 2: Basically, so for some people they just want that, Yeah,
Speaker 2: they want that access.
Speaker 3: Yes, access, that's the world that we use. So sometimes
Speaker 3: things like lower costs because.
Speaker 2: Yeah, the UK is expensive.
Speaker 3: But the truth about it is when you look to
Speaker 3: study abroad, you have to think about every country has
Speaker 3: pros and cons. So for us in Nigeria that have
Speaker 3: English as an official language, we don't have to worry
Speaker 3: about learning a new language with alphabets that we're not
Speaker 3: sure of.
Speaker 2: You know, it's a lot of work, and not everyone
Speaker 2: really want to do that. Some people just want to
Speaker 2: go take place as English speaking, because relocating in itself
Speaker 2: is not easy.
Speaker 4: So having to worry less about one thing, you know,
Speaker 4: is something that people look forward to.
Speaker 2: So that's why the UK always comes up. But if
Speaker 2: you're relocated yourself, if your wants study I brought by.
Speaker 4: Yourself, it's already expensive. If you're wearing with dependence, you
Speaker 4: will be expected to show even more money per dependent.
Speaker 4: So first of all, you need to be able to
Speaker 4: prove it you can a fond to take care of
Speaker 4: yourself for a couple of months.
Speaker 2: So for example, Ireland would require you to have money.
Speaker 2: So if hoever a master's program, they would require you
Speaker 2: to have money for a whole.
Speaker 4: Yeah, so you're too shown your living expenses and that
Speaker 4: money needs to be in your account for say about
Speaker 4: six months.
Speaker 2: Yeah, so are you able to leave.
Speaker 4: That amount of money untouched for at least six months
Speaker 4: and then a factor in another like two months.
Speaker 2: For what do you call it? For getting your visa decision?
Speaker 2: Because visa decision sixty eight weeks, so that's almost it's
Speaker 2: to nine months of just reading. Yeah, you know with
Speaker 2: the money on touch, can you afford it?
Speaker 4: Then if you're going in dependent because so for Ireland
Speaker 4: is supposed out there. Ireland does not allow dependents to
Speaker 4: leave your way for APHD. So other countries might allow
Speaker 4: you to go for go to your dependence, but some
Speaker 4: countries will say go first, then after you settle.
Speaker 2: For a bid and they can allow you to apply
Speaker 2: for independence. So I think are the things that you're
Speaker 2: concelone you reach out to humans will talk to you about. Yeah,
Speaker 2: so these are things are we have sent a.
Speaker 4: Conversations by the time people who have these conversations with
Speaker 4: their accountent but still realize that oh they are.
Speaker 2: Not really able to do that.
Speaker 4: So for example, a country like New Zealand would say
Speaker 4: you have to pay all your utition up front before
Speaker 4: you leave. On come, we don't want as payments, you know,
Speaker 4: so looking has forty thousand news in Landers?
Speaker 2: Are you paid on the front to understand?
Speaker 4: So these are the concerns that you can allow as payments.
Speaker 4: And they're also very fair in how long the money
Speaker 4: needs to be in your account, which is just went
Speaker 4: to eighties and that's why it was a destination so yes,
Speaker 4: it's expensive, but they make up for it in decisions.
Speaker 1: So it sounds like it because everything we start to
Speaker 1: talk about family and now I want to bring my
Speaker 1: family in after that fact of what my wife do?
Speaker 1: What would I do if I'm just single? Can I
Speaker 1: speak English? If I get the passport? Or I am
Speaker 1: getting to you can move across borders, opportunities, lots more
Speaker 1: questions just start to flow in my head.
Speaker 2: But just going to school it's a lot more exactly.
Speaker 2: So yeah, just to have to b get the question correctly.
Speaker 7: What parents should mostly consider Besides these tuition because in
Speaker 7: many cases families plan for school FeAs.
Speaker 2: Only and get shots later, there are things.
Speaker 7: To consider like accommodation, feeding, transport, insurance, maybe books, winter
Speaker 7: clothing is depending on the destination and this are travel cost.
Speaker 2: Then another thing is work rights. They are different work.
Speaker 7: Rights for different destinations, so parents, so people should consider
Speaker 7: how many US is my child allowed to walk for
Speaker 7: a week, and having in mind that you're still distressed
Speaker 7: before the world because most people are always interested in
Speaker 7: countries that allows.
Speaker 2: Them work full time whilst you want to study full time.
Speaker 7: So those are all the key things as well to
Speaker 7: look at how many hours per week?
Speaker 2: Can they work during the holidays? Who?
Speaker 7: This affects the amounts of money I'm supposed to give
Speaker 7: them for pocket money ability?
Speaker 2: What abilities they have to support.
Speaker 7: Themselves whilst they are working in these hours they are
Speaker 7: permitted to work. Another thing to also look at is
Speaker 7: post study work opportunities when people want to study. And
Speaker 7: that's why a lot of people like to go back
Speaker 7: or you keep back then when they used to allow the.
Speaker 2: Oortunities for just give me second, my background is very nice.
Speaker 2: Got you.
Speaker 1: Okay?
Speaker 2: So I think I can add to that.
Speaker 4: You know how she talked about like working twenty.
Speaker 2: Hours a week, right, A lot of times people ask
Speaker 2: me can I walk? Twenty hours? Is not a long
Speaker 2: time to work.
Speaker 4: The truth is the average work hour or work days
Speaker 4: about these hours.
Speaker 2: So you're likely to not even find a job of
Speaker 2: our lives not ten hours on the.
Speaker 4: Spots, So you might end up realistically just working sixteen
Speaker 4: hours a week for most countries, which is maybe at
Speaker 4: the Saturday as low towards that days.
Speaker 2: In the week. Let me use your example most if
Speaker 2: you're fam and a.
Speaker 4: Module, So the module is what we call in MANDE
Speaker 4: in cost units, a module is twenty twenty credits. Ideally
Speaker 4: you are expected to study at one hundred hours.
Speaker 2: For each court you need, as you're expected to do
Speaker 2: the time got into personal reading names all the expect
Speaker 2: to spend at least two hundred hours. So imagine you're
Speaker 2: doing sixty court units per seinster.
Speaker 1: That's costumes.
Speaker 2: So what do you multification?
Speaker 3: How many hours?
Speaker 2: Yes, and then you might not gonna have the twenty
Speaker 2: hours to work.
Speaker 1: What I'm hearing in some should not be an option
Speaker 1: to find.
Speaker 4: Yeah, yeah, that's like you might get the past to
Speaker 4: prioritize your studies because that's what.
Speaker 2: You're there for, primarily to get that right.
Speaker 7: And you don't want a situation really, but that's your.
Speaker 4: Future because in places like you don't pass your studies,
Speaker 4: like you not pass what you went there for in
Speaker 4: the first place, you're already injured the chance of getting
Speaker 4: a prospective based on your performance. Yeah, so you really
Speaker 4: want to ensure what you've gone therefore you're able to
Speaker 4: achieve it, you know, and the money you're making from.
Speaker 2: The twenty hours a week really might not be enough
Speaker 2: because an average job in the UK is I think about.
Speaker 4: Forty hours a week forty to sixty hours, Yes, forty
Speaker 4: sixty hours. So I also want to correct the impression
Speaker 4: that you're not going to be able to work up
Speaker 4: doing Quali days when you're institutions on hold a full
Speaker 4: time because the weather it is, You're going to be
Speaker 4: mostly on term time till you're graduates and then you
Speaker 4: can now start working full time.
Speaker 2: Or we're just saying that you will as your counselor
Speaker 2: who would rather you go prepared? Yeah, yeah, that they
Speaker 2: meet any surprises.
Speaker 1: So both of you. This is a good segue to
Speaker 1: now ask are the cheaper alternity that may be Africans
Speaker 1: are over looking? Is there's somewhere that we can go
Speaker 1: to that and get more bang for an Ira that
Speaker 1: normal is talking Aboutible must go to the UK and
Speaker 1: the US from the chat I'm seeing here, but at
Speaker 1: their places, you think that if I have fight on Ira,
Speaker 1: I can get the same quote, education, same access from
Speaker 1: your experiences any place like that or business like that.
Speaker 2: And many be very frank and very fair with the
Speaker 2: way our Nerror is right now and familion is not
Speaker 2: a lot only combat to dollars.
Speaker 4: And then every country has against their pros and cons
Speaker 4: that have said some countries are cheaper.
Speaker 3: But the longer I mean, for example, it can be
Speaker 3: with long Germany. Germany has long wit dates. So what
Speaker 3: your you know, you think you're saving money spending in
Speaker 3: terms of life fifty fifty, your chance might be fifty
Speaker 3: fifty in that location. For you chance is a bit
Speaker 3: higher Canada not as high as you keep, at least
Speaker 3: higher than some.
Speaker 4: Destinations in Europe if I'm going there with UI is
Speaker 4: another option where that's coming on quite a lost A.
Speaker 2: Lots of universities are opening up brand campuses in the UA,
Speaker 2: so some mutate universities are living there.
Speaker 4: Some Australian universities also moving campuses there because it's easier
Speaker 4: to force students to get into and it's not.
Speaker 3: As expensive as their main campuses like in Australia.
Speaker 2: The policies are not as straightens if I do say
Speaker 2: to the only thing is.
Speaker 3: Personally might look different in UI than in Australia or
Speaker 3: in Uti. So at the end of they not have
Speaker 3: to just see, okay, can I start off in one
Speaker 3: destination and maybe transition to another destination.
Speaker 2: You understand sometimes and go to Australia absolutely so some
Speaker 2: people go to the really it's are if you're trying
Speaker 2: to build a career.
Speaker 4: It's good and the children will not be as expensive
Speaker 4: as Australia.
Speaker 2: And then you know, with time you can you know,
Speaker 2: view the financially obviously the the rates in terms of
Speaker 2: like quarantine would be.
Speaker 4: Better than Naira currently and then try transition to Australia
Speaker 4: at the.
Speaker 2: Long term or work even under that. I mean the
Speaker 2: time is to take you together an era you would
Speaker 2: have gathered, you know, in their old quarity and it'll
Speaker 2: probably be faster for you. So these are just questions. Again,
Speaker 2: being abroad is a huge step, right, it's it, bess
Speaker 2: it can, it's comforting. It's a huge sacrifice for lots
Speaker 2: of people.
Speaker 3: So don't expect that everything will be smooth seale, but
Speaker 3: at least.
Speaker 2: With good and expert guidance you would.
Speaker 3: At least like how you will not walk thuty low
Speaker 3: And that's where cures comes in.
Speaker 1: Fantastic. So like, so, if I'm more students or parents
Speaker 1: listening to the space, guys want lege, you guys ask questions.
Speaker 1: Now listen to the space. What should I do right now? No,
Speaker 1: how can I start planning properly? I don't know Q
Speaker 1: westarts here? And what do I start to do from tomorrow.
Speaker 4: If I have this plan from tomorrow, reach out to us,
Speaker 4: you know, send us a message, tell us where you are,
Speaker 4: what you're interested in, let us talk to you, and
Speaker 4: then you can take that back to your drawing board
Speaker 4: and see, you know what works best.
Speaker 2: So I think that's the first thing. I have a
Speaker 2: conversation with us, and then let us take it up
Speaker 2: with you from there.
Speaker 1: All right, fantasy, And I'm going to share also the
Speaker 1: contact information that you guys have shared, the QR code
Speaker 1: in case folks who want to talk to you, they
Speaker 1: can just reach out to you most easy, easily. I'm
Speaker 1: going to add a few speakers here. I'm sure they
Speaker 1: have most of the questions, and I'm just for the hosts.
Speaker 1: So we've got progress coming up of also, got Tobo, Carol,
Speaker 1: If I could say that, right, Tobo, I'm gonna write
Speaker 1: always curious tuber query is that I set up probably
Speaker 1: two b o K yeah, tub ok two o K
Speaker 1: your first life got progress two OK? If it's on
Speaker 1: mute in your ahead, All right, let's get the progress progress.
Speaker 1: Do you want to hop in billionaire? An'mally stuff like that?
Speaker 1: First to predate elon Moscow be a trillionion interesting progress
Speaker 1: you only go ahead, yo, don't speak at once. I'm
Speaker 1: not hearing you guys speak, mister tub you got on mute. Yeah,
Speaker 1: I'm not sure what's gonna So just come back to
Speaker 1: what is you next? You said getting talked? Contact with
Speaker 1: you again. I'm going to share the link to contact
Speaker 1: QS Africa even speak to them. I already share the
Speaker 1: QR code. They can click the QR code they can
Speaker 1: just to talk a lot about them on YouTube. I'm
Speaker 1: sharing all their slide so you can see exactly what
Speaker 1: they do, all the university work, with their rankings and
Speaker 1: all that. Lots of rich information there. Let me see
Speaker 1: pray progress and too. But you guys are muted. You
Speaker 1: want to unmute and you want to speak. Okay, I
Speaker 1: have a question for you on DM I know who
Speaker 1: can who can take this one? Also? Hello, I got
Speaker 1: an admission to go to the UK both not I
Speaker 1: wasn't able to get funding and I wasn't able to
Speaker 1: take the opportunity last year. What do you advise I
Speaker 1: do this year? Do I write to the same university
Speaker 1: and explain I can't have funding or do I just
Speaker 1: start the process all over? It will this affects me
Speaker 1: if I try to apply because I did not take
Speaker 1: up girls admission and what's what was where she applied?
Speaker 1: But what would your advice be shown? What should she
Speaker 1: apply to the same institutional signation make out against you
Speaker 1: in your admission together?
Speaker 3: Okay, so surely it would have account things happen and
Speaker 3: universities understand.
Speaker 2: We need to see if one this.
Speaker 4: Is an admission that can be deferred, if you can
Speaker 4: be deferred reapp like and if you reach out to us,
Speaker 4: shouldn't be a problem. And if you're any best at
Speaker 4: financial state and think that you can walk differently this time,
Speaker 4: we're mother happy to help you.
Speaker 2: You just reach out to me with the number and
Speaker 2: would respond.
Speaker 1: That's a good question is do you know of any
Speaker 1: investments where I can put naira in and I can
Speaker 1: secure off I can pay for education tuition outside nature?
Speaker 1: Just saying from your experience, do you know of any
Speaker 1: recommendations you can make for an investments that I can
Speaker 1: put snira in and I can pay for fundication some
Speaker 1: like piggy persts? Do you have anything like that from
Speaker 1: your own experience about bob laies.
Speaker 2: Okay, so I do know that.
Speaker 1: Efforts so I think people are asking like they want
Speaker 1: to know, like you mentioned, you know, like they want
Speaker 1: to know whether so they can go look like from
Speaker 1: your experiences that you can mention it. That's fine, I don't.
Speaker 1: I'll just put the caveat for you do your own
Speaker 1: due diligence. They're not making they're not making a recommendation.
Speaker 1: They basically say this is what they've had, So it's
Speaker 1: left for you to do your due diligence and make
Speaker 1: sure that what're saying it's in the language, your risk
Speaker 1: object is right. So yeah, if you have.
Speaker 8: Anything, absolutely So I know people have talked about bamboo
Speaker 8: and the multiple platforms bambo and then personally, I use
Speaker 8: rice and be something that.
Speaker 2: Has worked for me to give your due diligence or.
Speaker 3: I'd like to have been consistent about a year now.
Speaker 3: So I've been seeing my money grow up, so that's good.
Speaker 2: And the company is very grative. So I think I
Speaker 2: like that because it gives me be so mine.
Speaker 3: Because you know, there's more you were talking about. So yes,
Speaker 3: I don't know if you sure has any issue would like.
Speaker 4: To share, I don't.
Speaker 2: If I do, I don't think i'd like to share
Speaker 2: that year.
Speaker 5: But there is an investment that accounts for those.
Speaker 2: That want to study in Canada.
Speaker 5: There's an investment that account you can open as a student.
Speaker 2: So when you get an.
Speaker 7: Offer, you pay your tradition first, because paying your tuition
Speaker 7: sekres the fact that why you're truly coming to Canada.
Speaker 2: So you'll be from the tuition. If you be giving
Speaker 2: a chance, you'll be given like an account number.
Speaker 5: You're a commercial bank here in kind of that's so
Speaker 5: you from their hounds.
Speaker 7: With the rest of the money that you may be
Speaker 7: needing for your spa, then Canada will give you the
Speaker 7: percentage of the money and the rest will be shared
Speaker 7: across the.
Speaker 2: Duration of your studying.
Speaker 7: This for one year, it's for two years, so I
Speaker 7: think that's the same form of investments that also helps
Speaker 7: secure your visa chances as well.
Speaker 5: A lot of people use that adding for those that
Speaker 5: want to study in Canada.
Speaker 2: But I wouldn't like to say too much because.
Speaker 5: I don't want it to sound like I'm advertising.
Speaker 7: A lot of our cims that when you speak to us,
Speaker 7: I learned to get to you know, advise.
Speaker 2: You or the choice to choose to go.
Speaker 1: So these are like only Canadians can do this or
Speaker 1: prospectives that I'm talking about.
Speaker 5: It's just for students who want to study in Canada.
Speaker 1: Well, I do know that in the US we have
Speaker 1: five to night and I think to get the five
Speaker 1: to nine account, you have to have a social secrety number.
Speaker 1: So if your child has a US social STID number,
Speaker 1: you don't want to leave that follow You want to
Speaker 1: try to open like the First Lives, you open an
Speaker 1: account in the US and start to save money. They
Speaker 1: have structures that you can put the money in. Its
Speaker 1: tax exempt for the child and the child's name. And
Speaker 1: the goal thing is that now if a mini of
Speaker 1: the laws, if the child gets a scholarship and it's
Speaker 1: unable to use the front of the account, you can
Speaker 1: transfer to a different child, or you can put in
Speaker 1: your own retirement account, or you can even talk about it.
Speaker 1: You can take it away and maybe pay the penalties,
Speaker 1: but it might as well going to just go to waste.
Speaker 1: So if your child is a US social state number,
Speaker 1: make sure that you're investing for that child when there
Speaker 1: are still baby still waits, like you said, when they
Speaker 1: get to old, because you're losing that compounding advantage that
Speaker 1: you would have gotten. You're investing for the trues. So
Speaker 1: we'll make sure you do that as well. So let
Speaker 1: me just see so and again, I have pinned a
Speaker 1: particular tweet from QS that would basically show you just
Speaker 1: the contact information and all that I raise their in
Speaker 1: case you want to reach out to them. There's some
Speaker 1: start they said here. I didn't really think about that.
Speaker 1: I just going to school. Was the name of the
Speaker 1: school and the financing. I hear access, I hear post
Speaker 1: work access, I hear family. I wouldn't have thought about
Speaker 1: this just the way of explained this and act that
Speaker 1: you might be cheap and have to go to UAE
Speaker 1: that are going to go to us with that might be.
Speaker 1: So it's not just the costs, it's really about the
Speaker 1: whole patchwork, the whole frame Ectrilicitively, I'm going to leave
Speaker 1: my country where I'm quote unquote comfortable, to a new place.
Speaker 1: I've got to be secure for this.
Speaker 2: That look at that thing.
Speaker 1: So I think that's some of my key takeaway from this. Michell,
Speaker 1: do you have anything you want to add? I want
Speaker 1: also bring in Harrison to sort of give us another view. Michell,
Speaker 1: do you have anything you want to add? I think
Speaker 1: might be having issues. We're having forum to speak, we
Speaker 1: have to speakers and they could not be so certainly
Speaker 1: am they're not able to add themselves to the space
Speaker 1: to speak. You can try and try to unmute you
Speaker 1: and let's see if you can speak Otherwise. We do
Speaker 1: have some deals which are going back and read foot
Speaker 1: both of you specific and su permission any other think
Speaker 1: who might have missed in our concession you want to speak.
Speaker 7: About Okay, I would just like to that working with
Speaker 7: us CLOUS is really going to make the.
Speaker 5: Entire process give us for you, because that's what we
Speaker 5: are trying to do.
Speaker 2: Ensure that we are thinking.
Speaker 7: More of humans as the students, parents, the expert skills
Speaker 7: in the industry. Some of us are being able to
Speaker 7: industry for at times being as above and besides the
Speaker 7: fact that we help with the ens requitment. Cillous is
Speaker 7: a no brand for activities Internet aftivities that we do
Speaker 7: as an organization and then a streamline process be there
Speaker 7: and then recommend that we do.
Speaker 2: So I'm just putting it out there. I mean, we
Speaker 2: try to advertise other brands. I really want to advertise my.
Speaker 7: Brand, but working with CUSS, it's going to give you
Speaker 7: a similar journey. It's going to make everything clean for
Speaker 7: you from scratch up on to your child gets to
Speaker 7: enroll in school. All you as a students get to
Speaker 7: find a proper destination. And it also helps that we
Speaker 7: have a certain We work with different institutions in different countries,
Speaker 7: different destinations and everybody is willing give proper guidians need.
Speaker 7: So whilst we're still.
Speaker 2: On this live session, I think you should take the
Speaker 2: contacts that are being shared to ensure.
Speaker 7: That we give you the seamless services. I mean why
Speaker 7: not as services are free. So it's a good thing
Speaker 7: to reputable organization whose who give you top launch and
Speaker 7: three senses at the.
Speaker 1: Same time, like you have mission not Director of Africa.
Speaker 1: Correct fantastic? I like Welter that out for us advertising cure.
Speaker 1: Just a question for Michell When should I contact you?
Speaker 1: Is it when I decide when should I contraver? It
Speaker 1: be time I have a child? Is it when I
Speaker 1: want to go to school five ers before school? Or
Speaker 1: when do I come? When's it best time to come
Speaker 1: to you?
Speaker 7: To qus any time, any time because you want to
Speaker 7: get to know what to do before you are ready.
Speaker 7: Contact as soon as you start thinking about to show yourself,
Speaker 7: your child out day. The child still has about two
Speaker 7: years or three years to be the key to contact
Speaker 7: us just to know how that's to get prepared.
Speaker 1: So anytimes work for Fantastic. Let me get pulling high again.
Speaker 1: What are your closing were? What are the best practice
Speaker 1: When I'm we missed out?
Speaker 2: Go for it? Okay, just to read I said, I'll
Speaker 2: say that free. So you're looking to lose when you
Speaker 2: think about it.
Speaker 3: I love that advice even if you just want to
Speaker 3: have an idea or I'm more than happy to have
Speaker 3: a conversation with you.
Speaker 2: And we're open Monayster Fridays. If you're in a bouja,
Speaker 2: we have an office and we'll say to please feel
Speaker 2: free to drop. And we also have.
Speaker 4: Remote offices in if you know people in in Ghanda
Speaker 4: and Kenya and they because we have a remote team,
Speaker 4: we're basically closing enough to support you.
Speaker 2: That's what I'm trying to see.
Speaker 1: Yes, Fantastic, I have two questions on DM if you
Speaker 1: get somewhere, I'm going to run through them. Number one,
Speaker 1: so I would like to apply. I've got two kids
Speaker 1: i'd let I would like to send them to school
Speaker 1: in Canada. I think think my funding is okay. I
Speaker 1: would like to talk to you just to make sure
Speaker 1: that I'm doing the right thing. Most of the things
Speaker 1: you are saying, I did not think about it. I
Speaker 1: just thought of Canada because that's where I can get Alisa.
Speaker 1: Is it too late? He's asking is it too late?
Speaker 1: I think he's especially saying he's already killing Canada and
Speaker 1: he come to you and this isn't that you can
Speaker 1: It's really change. And that's why I hear this question.
Speaker 2: Coming from again. Let's just have the conversation. Yes, yes, message.
Speaker 1: So that's him reached back to them. Your case might
Speaker 1: be just reach back to them and then see how
Speaker 1: they can help you. That the second one, yes, I'm
Speaker 1: not a student per se, but I'm interested in becoming
Speaker 1: a teacher of abroad. I'm not sure if you guys
Speaker 1: also provide a service. I'm just becoming a lecturer. What
Speaker 1: you said to that?
Speaker 4: Guys, So when when do you say teacher like just
Speaker 4: like like teaching English as a foreign language, things like.
Speaker 2: That, or.
Speaker 1: Become a lecturer in a foreign university.
Speaker 3: Is this a progress to becoming Because people actually like
Speaker 3: do PhDs.
Speaker 4: And research programs with the hope of transitioning into academia,
Speaker 4: so that might be abroad. I don't know if you
Speaker 4: can just if there's like a biside thing to just
Speaker 4: maybe evolved with such Applascha, but we don't do that.
Speaker 2: We're mostly study provider. So unless you're looking to like do.
Speaker 3: Three, unless you do like a research program and then sexually.
Speaker 3: I don't think there's any other unfortunateity like my.
Speaker 1: Kids to combat to Nigeria to do university in Nigeria.
Speaker 1: Is there anything you guys offered in that regards? Do
Speaker 1: you do you score niger universities only for in res
Speaker 1: a reverse one there they're want to come up Nigeria.
Speaker 2: Actually I would yeah, okay, but it's interesting one. Right.
Speaker 1: Do you guys get any.
Speaker 2: I've never inquiry. I have actually love to get it.
Speaker 2: I have.
Speaker 4: I've had parents and they want their children to go
Speaker 4: back to Nigria body and my usual.
Speaker 5: Vocal advice would be to check out for private university,
Speaker 5: especially if people want intelptions and.
Speaker 7: Yes study where these strikes, but doesn't help that, Eily.
Speaker 5: This is just my own personality and I'm giving and
Speaker 5: based on.
Speaker 7: Some Christians are still like that. In the past two parents,
Speaker 7: I seem what universities would do so as that.
Speaker 2: My kids go to Nigeria.
Speaker 5: Yeah, I usually look around the p's options.
Speaker 7: I mean, if you're looking for that, losing them on
Speaker 7: inter curly time for them. Yeah, this person is response
Speaker 7: to this response.
Speaker 1: I wanted to have the culture of Nigeria we came
Speaker 1: to kind of when they were very young. I fear
Speaker 1: that they would not have the culture of Nigeria. I
Speaker 1: wanted to company her for the culture. I'm not too
Speaker 1: interested in the quote unquote educational outcome of just the culture.
Speaker 2: Okay, totally get that.
Speaker 1: It's a welcome.
Speaker 2: It's a welcome. I don't want to do it because
Speaker 2: they don't really quote reach out to me help.
Speaker 1: So reach out to her. I mean they would have
Speaker 1: did they know this better than any of us, So
Speaker 1: I would just reach out to them. There's some good
Speaker 1: question for asking. Most of them ask about funding. I'm
Speaker 1: also asking how much would they pay? You hear them
Speaker 1: say it over and over it's free. I think they
Speaker 1: basically go and the Kitting school speak to them and
Speaker 1: then work with them. But they're basically saying it's a
Speaker 1: free servin saying one wants so that the poor are
Speaker 1: asking what is the cost of going to school? What's
Speaker 1: the cost now? So what I is asking, do I
Speaker 1: pay to them to the university? I don't think so that.
Speaker 1: I don't think you guys to receive the funds for
Speaker 1: Do you guys really see the funds for this con
Speaker 1: that mostly advisory? So yes, but they're not they're not
Speaker 1: selling the university. It's mostly advisory. And I think I
Speaker 1: shared the part point I did share on YouTube. Don't
Speaker 1: at least two three sides from the park point on Twitter.
Speaker 1: I will try to put that part point on it possible.
Speaker 1: But what I just share the last Twitter I just did,
Speaker 1: you don't inversity open up. You see lots of all
Speaker 1: their information, how to reach them and all that. Just
Speaker 1: take an advantage of that. Most of the question that
Speaker 1: asking about costing, asking about specific universities. Just reach out
Speaker 1: to them. And I not able to answer your question
Speaker 1: because it's too it's very very specific for exactly asking
Speaker 1: I had this course, I didn't complete it, and I
Speaker 1: want to work those questions. Just ask them. I podcast
Speaker 1: with the guest folks to speak on the space. But
Speaker 1: you guys have been here on the space and you
Speaker 1: have kept so far. Harrison, your not hope in Harrison's
Speaker 1: give a review of how the book can reach you.
Speaker 2: Or know.
Speaker 1: Okay, can hear me?
Speaker 2: Okay? Great?
Speaker 9: I think they because I've spoken very well. Thank you
Speaker 9: to everybody who has able to join in. So I
Speaker 9: have paining a link rant that for everybody who wants.
Speaker 1: To services either counseling, or you want to set up
Speaker 1: your apply or.
Speaker 2: You just have a general question that you want to ask.
Speaker 1: There's a link in there.
Speaker 10: Just click and then feuliful and then really would be
Speaker 10: the ones to reach out to you and follow up.
Speaker 1: And see how we can assist you and help your
Speaker 1: apply to.
Speaker 2: This university that you have in mind or whatever plan
Speaker 2: you have in mine.
Speaker 10: Also another option is for you just click on the
Speaker 10: Curious Africa account here.
Speaker 1: Just click on it and the gear my.
Speaker 11: DM is always important, So can you send a message
Speaker 11: and then we'll get to respond to you and would
Speaker 11: be able to assist you. So whatever I inquire you
Speaker 11: have now will not be able to outside here or
Speaker 11: may out further inquiries.
Speaker 2: Just send a game or just click the link.
Speaker 10: And we've also going to step father to find missus Peace.
Speaker 10: Her number is also there on one of the slides
Speaker 10: that we are something we see and then we have
Speaker 10: to be able to because the mentor is a kind
Speaker 10: of more to come as well, great help in terms that.
Speaker 2: You can't get in country. So just check before numbers
Speaker 2: there we are three weeks because the full numbers there.
Speaker 4: Our link is therefore field the form and also you
Speaker 4: can just send.
Speaker 2: It direct to any of us and we easily with
Speaker 2: you just for them to be.
Speaker 1: Don't fantastic. Yeah, so like you've got all their options.
Speaker 1: I mean go to them. There's a great service. I mean,
Speaker 1: if we have this, many of us hatings with that
Speaker 1: plan better and we cannot forget the whole idea of
Speaker 1: the space. The title of the space is educations among
Speaker 1: them assets, So it's I it's an asset you're going
Speaker 1: to invest in your children or yourself and they are
Speaker 1: going to become an asset. When you're educated, your ability
Speaker 1: to any more goals or and is guarantee. You know,
Speaker 1: there's a link between education and network. So in the end,
Speaker 1: this is an investment for you and the guys are
Speaker 1: basically going to be your finitial advices to hold your
Speaker 1: hand to navigate this very very complex because of choosing
Speaker 1: a school abroad funding it and you stay in there
Speaker 1: and gets in the best outcome. So let's take advantaage
Speaker 1: of that tool for benefit of what it entails. Qus.
Speaker 1: I can't think that's enough, Michelle, thank you guys so
Speaker 1: much for coming here. Paulin appreciate you guys speaking. You
Speaker 1: guys should do this more often. This is you guys
Speaker 1: are so smooth on this. So I do this more often,
Speaker 1: I think, And I love doing what I'm hearing. You know,
Speaker 1: you guys, you guys really did Richard. But I think
Speaker 1: it's a fantastic offering you guys have out there just
Speaker 1: telling people about even information that it's worth. Well, it's
Speaker 1: just so so fantastic. Yeah, So thank you so much
Speaker 1: for coming and I appreciate you guys.
Speaker 2: Thank you, thank you.
Speaker 1: All Right, folks, so we're just wrap it up for
Speaker 1: the weekend. Next week we're going, of course go back
Speaker 1: again talking about the same issues the economy, of course,
Speaker 1: finance and of course investing. Again. Everyone is talking about taxes. Remember,
Speaker 1: taxes is after income. You've got to make that income
Speaker 1: fest before you can worry about types and what we bring.
Speaker 1: And guests like this is the whole idea is satistics
Speaker 1: to you look education well as a cost, put an investment,
Speaker 1: anything you put in in education, you read back and
Speaker 1: it's forever. No one can take away your What you
Speaker 1: have in between your ears, that's gonna be what's gonna
Speaker 1: power you. It's gonna be that passive income POTENTI that
Speaker 1: you have. Even when you retire, you can still do
Speaker 1: advice because you know stuff. So let's thank you guys
Speaker 1: for listening. I'll push you guys, and I'll see you
Speaker 1: guys here next week, same time, seven pm, worst Afican
Speaker 1: time when we have new guests to talk around these
Speaker 1: issues of money, the economy and of course finance. Thank
Speaker 1: you guys, love you and I'll see you next week.
Speaker 1: Brave a good bye