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Investment / Re: Advise On Where I Can Invest My Idle Funds? by keneri(m): 11:57am On Apr 17, 2013 |
All these investment vehicles will only "preserve" your capital in a best case scenario. Inflation, however, will devalue your initial capital outlay. Nigeria's inflation rate is very high and will obliterate whatever interest your investment might accrue. Better put it into business. If you just want capital preservation, then, that's way to go. If you want capital growth/wealth, look elsewhere. 1 Like |
Romance / Re: Disadvantages Of Late Marriage by keneri(m): 12:54pm On Feb 20, 2013 |
Are you a YORUBA man? karlnyeno: I was 25 when i married my wife, and she was 18th precisely. This 40 for guys too much o! |
Religion / Re: Lightning Strikes As Pope Benedict Resigns by keneri(m): 12:25pm On Feb 12, 2013 |
The Lightning struck the Pope's St. Peter's Basilica dome yesterday evening for real. BBC News carried it. BUT I don't read any meaning to it anyways. See the video link here: http://www.bbc.co.uk/news/world-europe-21421810#TWEET597964 Follow: @awolamFX for realtime economic, financial and social commentaries. |
Family / Re: If Your Spouse Cheated, How Would You Feel? by keneri(m): 2:52pm On Dec 28, 2012 |
..."there was a marriage" |
Career / 6 Signs That You've Made It To Middle Class by keneri(m): 12:00pm On Dec 27, 2012 |
Not so long ago, most people viewed the hallmarks of success as something along the lines of a house, a white picket fence, two weeks vacation, two children and the ability to send those kids to college. Today, the middle class is a vanishing breed according to nearly every survey and statistic on the topic. Despite all of the attention to the subject, defining "middle class" remains a challenge, as everyone wants to be in the middle regardless of their income. Instead of focusing on the Ego/Kudi/Owo/Naira, let's take a look at the lifestyle benchmarks that define middle class status. Have You Made it to the Middle? A wide variety of numbers have been thrown around in an effort to define the middle. People earning 20% of the average income and people earning 80% all claim to be part of the middle class. More than a few millionaires make the claim too. While there is no official financial standard, the middle class as defined by the government task force is characterized in terms of six financial aspirations, which we can view as benchmarks. The following are key points to watch out for if you aspire to "belong" to the Middle-Class category. 1. Home Ownership Home ownership remains the Nigerian dream. The step up from renting to owning signifies prosperity and achievement. With median home prices ranges differing by so much in different cities across Nigeria, the ability to achieve this goal varies significantly by geographical location. Someone earning a decent income (N150k/N500k per mth) in Lagos may not be able to afford even a small house in Abuja. 2. Automobile Ownership Owning an automobile provides freedom of movement and the luxury of avoiding the limited schedules and cramped quarters offered by mass transportation options such as buses, ferries and trains. Here again, the cost of cars varying widely, as does the kind of automobile required. For one driver, a used Hyundai/Kia will do the trick. For another, a new BMW signifies the achievement of this goal. 3. A University Education for the Kids Helping children get ahead in life is a primary goal for middle class families. Paying for a university/college education for children can cost anywhere from the low tens of thousands of Naira to hundreds of thousands (especially in our so-called "church universities". Decisions about which university or college to attend can have a significant impact on the price tag. 4. Retirement Security Retirement is a goal nearly everyone wants to achieve. It demonstrates success and provides a reward for decades of hard work. Once again, definitions make a difference. The amount of gold required to support your golden years will vary significantly depending on whether you want a staff of 10 at your villa in the South of France or an exquisite mansion in Banana Island, Lagos. 5. Health Care Coverage The ability to obtain healthcare is an important goal for middle class wager earners and their families. The high and rising cost of medical care and prescription drugs make healthcare coverage an ever-increasing need, as going without it can have serious negative financial implications in the event of a severe illness or injury. If you can't afford the costs for a critical surgery (heart,kidney, transplants etc) in any of our premium Nigerian private hospitals or elsewhere like India, U.S, Dubai, you aren't yet a "middle-classer". 6. Family Vacation The family vacation is a middle class staple. Vacations demonstrate that a family has disposable income and has been successful enough to take time away from work to focus on leisure. If you can't afford to take your family to neighboring Ghana on a vacation, you never start. Work harder! Your journey to the Middle-Class starts with just A STEP. Start today! |
Career / Re: Interested In Moderating This Section? by keneri(m): 11:23am On Dec 27, 2012 |
ok |
Health / Re: Please Beware Of That Bottle Of "Alomo Bitters" You Are About Drinking !!!!!! by keneri(m): 9:40am On Nov 28, 2012 |
ouigy99: Alomo bitters is undoubtedly one of the fastest selling brands in Naija. Some claim it cleanses the system, some say it is an "enhancer", while a number of people like me only drink it because it is a cheap way of getting high. My story begins this past Saturday night. I was just scrolling through my phone to see which of my friends i would be scamming for the weekend. I came upon a phone contact of a friend of mine who i knew loved car racing games (i had the recent "need for speed most wanted 2012), so i just called him and said ... "Mr man, i can get you the latest need for speed, all i would need in return is 2 bottles of small alomo and 2k suya from yahuza..... and just as i expected, my guy accepted the deal. People have to be careful with all these swedish bitters and especially the locally made alomo bitters(easily counterfeited). When taken in excess could cause irreparable damage to the kidneys and liver as they contain strong diuretic properties. If you want to be "high", please take alcohol, also in moderation (not dry gin). Be warned. |
Crime / Re: My Experience With Swindlers by keneri(m): 4:56pm On Nov 13, 2012 |
berem: Anytime I want to change dollars,I always go to this paricular bereau de change located at Allen Avenue to get the naira equivalent.Unluckily for me,last week wednesday,someone gave me 200 dollars and I decided to go change it at the same place. My dear Berem you are not alone on this matter. I had exactly the same experience at that SAME location on Allen, close to Allen roundabout. I went to my bank GTB to change some money, about 200 pounds. I was told to go and do such outside. So I went to some guy standing outside. After changing the money, i counted it, it was about 30k. Deep within me, I suspected the money will disappear, so I held it firmly in my hands and started walking very fast to deposit it with GTB on Allen, as I was approaching the bank security door, the money bundle suddenly became thin. As at the time I recounted it to make the deposit, I saw only 17k. The ugly experience is very REAL. Since then, I now change my money at designated Bureau de Exchange offices. |
Travel / Re: by keneri(m): 1:54pm On Nov 02, 2012 |
afam4eva:////////////////////////////////////////////////////////////////////////// afam4eva, There is no escape route when an airplane is about to crash. Are you trained to skydive or deploy an imaginary parachute before embarking on a flight? By the way, you wont even know a plane is about to crash unless there is an explosion coupled wit a smoke filled cabin or been tossed about. lol |
Travel / Re: by keneri(m): 1:49pm On Nov 02, 2012 |
manny4life://///////////////////////////////////////////////////////////////////////////////////////////////////////// I agree with you. Parachutes on planes are useless. At 10,000ft, the air becomes thin and lack oxygen. So when a passenger jumps off, he likely dies of asphyxiation (lack of oxygen)under 60secs. So whats the need to jump out of an airplane at say 30,000ft? Pilots will never inform passengers of an impending doom until it happens to avoid unnecessary panic or stampede. They try all they can to save an aircraft until it eventually gets saved or doomed. |
Travel / Re: by keneri(m): 1:12pm On Nov 02, 2012 |
chaircover: I have a couple of questions for the pilots in the house. I hate flying so the more I know about how things work up there, should hopefully help kill this fear ////////////////////////////////////////////////////////////////////////////////////////////////////////////// Well, I have a lot of pilots as friends here in UAE. They mostly fly planes operated by Ethihad and Emirates and believe me, I have asked most of your questions. I dread flying as well. Hope this helps. 1. Turbulence is natural. Planes are automatically suited to handle such. The plane automatically adjusts its thrust, altitude and buoyancy depending on the type of turbulence as caused by thunderstorms, clouds, etc. Some planes, depending on the model will handle turbulence better than others. From my experience, turbulence occurs more at night than during the day. 2. Ear popping has to do with pressurization/depressurization of cabins as planes attempts to alter its altitude. 3. Remember planes fly themselves and as such everything happens automatically, which means when a plane is making an approach and the wheels come out, its only natural that the plane must adjust its speed and engine thrust accordingly. 4&5. Believe me, the wheels are very huge and will definitely make some noise when it puts out, hydraulics or not. Save for routine maintenance, ground engineers don't really do much except if there are concerns as noted by the pilot in his in-flight log book. Most times, the pilot just takes a trip around his aircraft to make such there aren't any open spaces or cracks especially at the door seals and baggage compartment to avoid sudden cabin De-pressurization during flight. 6&7. skip 8. Here in the UAE, Captains of Etihad and Emirates earn between DHs60,000-80,000(N3.2m)monthly. First officers earn btw Dhs25,000- DHs 35,000 monthly. This is exclusive of extra hourly flight bonuses. 9. Depending on the route, long-haul routes can have a captain, first and second officers and or aircraft engineer on board. Captains do take some time off to relax and chat up the cabin crew. At no time will all the pilots leave the instrumentation panel simply because its on auto-pilot. When an air plane hits a severe turbulence or when the pitot tubes start sending wrong airspeed due to freezing, the autopilot most likely disengages. If the pilot is asleep, then disaster is the word. Some can even "chyke" a pretty lady. Ofcourse pilots are hot commodities...lol 10. Electronic devices especially when emitting radio signals will most certainly interfere with communications with the airport tower. So landing and take is very critical for the airplane's radio signals. 11. Hydraulics which controls the landing gear is responsible. 12. Yes pilots can speed up the plane to meet up. However, a combination of factors are responsible in determining how fast a plane can travel e.g air speed, atmospheric pressure, turbulence, to mention a few. 13. skip 14. The air within the cabin is pressurized and thus dry. Your suitcase is inside a compartment apparently saved from the dry air within the cabin. The difference between the air within the cabin and the compartment thus leaves the suitcase slightly moist. 15. skip 16. skip 17. Airplanes are not gourmet restaurants. If you want to eat great food. Visit those restaurants. 9 Likes |
Celebrities / Re: Psquare Takes Over Zimbabwe.(pictures) by keneri(m): 7:13pm On Oct 12, 2012 |
afam4eva: PSquare are the biggest Nigerian music exports. Wherever they go there's always a huge crowd waiting for them. AGREED! They certainly are; followed by Tuface then D'Banj in that order. 4 Likes |
Politics / Re: Oshiomhole Fires 20 Teachers In Edo For Absenteeism by keneri(m): 3:34pm On Oct 11, 2012 |
oyin50: The initiative taken by oshiomole is very suitable for the Nigerian system, to get functionality in place, a stern approach has to be employed , the Nigerian people rarely change based on lenient approaches. In Abuja, when abacha was in power, the city was spectacularly clean and orderly upon his demise, a gradual degradation crept in. For Nigeria to really experience a shift from it's present eye sore, a radical, stern and unrelenting methodology must be enacted. Oshiomole and fashola perfectly understands the Nigerian people and how best to reinstate their insanity (figuratively). Anyone having problems or opposing these radical change is stucked with the conveniences of the disorderly, disjointed, disfigured and destabilized Nigeria hence the defensive approach to anything referred to as change. Change is hard, difficult and a painful sacrifice not some cup-cake experience. Hate it or love it I have said my mind oooo. Absolutely agree with you. Not only Nigerians, humans in general need Iron fist for change to take place. For China, Singapore to be this great, very tough measures were taken against corruption and environmental insanity. you are either jailed or summarily executed. In UAE now, if you spit on the ground you pay equivalent of N20k, for chewing gum, N40k...and of course you are registered as an offender. You can rake up more than N40 million (no joke) in traffic fines without knowing it because everywhere is monitored electronically. Na when you wan leave the country dem go give you your bill (or remain in jail) |
Politics / Re: Oshiomhole Fires 20 Teachers In Edo For Absenteeism by keneri(m): 3:25pm On Oct 11, 2012 |
preciousoz: Right on point. People are lamenting, government this, government that...By the way, who is the government. We ARE the government. Na human beings dey occupy government not animals or ghosts. Lets play our own part in every little way we can and leave the rest. 1 Like |
Crime / Re: Police Begins Manhunt For Killers Of Uniport Students by keneri(m): 1:11pm On Oct 07, 2012 |
Odunnu: Mcheew. In typical advanced climes, police usually respond within 5 mins of distress call. Sadly, in Nigeria, such is a pipe dream for now. |
Politics / Re: Achebe’s Biafra Memoir Stirs Controversy by keneri(m): 2:05pm On Oct 06, 2012 |
Onlytruth: Agreed....I think the Ibos are ready this time around and are more than prepared to shed their blood for future generations the Syrian way. 2 Likes |
Politics / Re: Patience Jonathan Battles Parkinson’s Disease? - SaharaReporters by keneri(m): 4:15pm On Sep 27, 2012 |
afam4eva: Parkinson? Was she ever an athlete? Parkinson's disease is a degenerative disorder of the CNS (Central Nervous System) and has absolutely no connection to athleticism eventhough on occasion, continuous trauma (as in contact sports) to the brain could become a precursor. 1 Like |
Religion / Re: Nigerian Churches: Who Are They Building Universities For? by keneri(m): 11:09am On Sep 26, 2012 |
Zikkyy: Mister man, don't take sides blindly. The church should have communicated its OBJECTIVES from the outset so that its members can make informed choices. Every business concern does this so that every intending investor can decide if the company's business objectives properly aligns with that of the investors. The churches shouldn't be an exception. I believe the churches deceived their members by communication false objectives across to them. If not, how can you explain why the members sheepishly contributed their all "widows might" only to be brutally disappointed after the so-called "church universities" were built. 1 Like |
Politics / Re: FG To Scrap Agencies Next Year by keneri(m): 12:17pm On Sep 20, 2012 |
Agreed, Public servants such as ministers and senators have no business earning more than N500k per month. With such "unattractive" salaries, our politics will start diverging from its current "do or die" and rigging trajectory to one of selflessness and transparency. Individuals and corporations that earn more than N100m should be taxed at 40-50%. Eko Atlantic: Not a bad idea. Plus it'll also be a smart move if they'll scrap one of those two chambers of the law makers. |
Crime / Re: Bandits On The Loose In Imo by keneri(m): 6:03pm On Sep 16, 2012 |
Its really a worrisome and sad situation in Imo state. Last year, I was a victim to highway robbers at night when I left Owerri for Orsu LGA. Over 10 Armed bandits capitalized on an abandoned police checkpoint to rob us. I was very lucky I was not shot nor my wife raped, maybe because they got alot of money and expensive items from us. But other people that came after us weren't so lucky. A guy that was just coming from his Traditional wedding had his "new" wife raped that night. Another bus carrying loads of women from a ceremony were also brutally raped. We remained far deep into the bush for 4 hrs until a police patrol team came to the spot around 3am. I shudder to my spine each time I remember that last year incident. I am mortally scared of living in Nigeria honestly. |
Celebrities / Re: Pictures Of AY And Wife Mabel In New York by keneri(m): 4:12pm On Sep 14, 2012 |
irecruit: NICE PICTURE, BUT DID THEY WENT TO NEW YORK JUST FOR PICTURE? They did not WENT to New York for pictures...they went to relaxing. |
Politics / Re: Pictures Of Damaged Calabar To Obudu Road by keneri(m): 1:16pm On Sep 10, 2012 |
Gwekzy: GuY Dis is a natural disaster n stop blaminG "Nigeria" You are very ignorant. Even if it is an earthquake, so it should be abandoned to fate. |
Investment / Re: Forex, Stock Indices & Commodities Market Updates!!! by keneri(m): 10:12am On Sep 10, 2012 |
Nigeria's Balance of Trade as of September 2012 Nigeria reported a trade surplus equivalent to 10.5 Billion USD in March of 2012. Historically, from 2002 until 2012, Nigeria Balance of Trade averaged 2.69 Billion USD reaching an all time high of 14.59 Billion USD in October of 2011 and a record low of -3.82 Billion USD in March of 2011. Exports of commodities (oil and natural gas) is the main factor behind Nigeria's growth and accounts for more than 95% of total exports. Nigeria's main exports partners are: USA (30% of total in 2009), Equatorial Guinea (8%), Brazil (6.6%), France (6%) and India (6%). Nigeria imports mainly: industrial supplies (32% of total), transport equipment and parts (23%), capital goods (24%), food and beverage (11%) and consumer goods. Main import partners are: China (17% of total), Albania (11.3%), United States (7.5%), France and Belgium. This page includes a chart with historical data for Nigeria Balance of Trade. Nigeria isn't doing badly. Are we? Balance of Trade Definition The balance of trade is the difference between the monetary value of exports and imports in an economy over a certain period of time. A positive balance of trade is known as a trade surplus and consists of exporting more than is imported; a negative balance of trade is known as a trade deficit or, informally, a trade gap. The balance of trade forms part of the current account, which also includes other transactions such as income from the international investment position as well as international aid. If the current account is in surplus, the country's net international asset position increases correspondingly. Equally, a deficit decreases the net international asset position. The Balance of Trade is identical to the difference between a country's output and its domestic demand - the difference between what goods a country produces and how many goods it buys from abroad; this does not include money respent on foreign stocks, nor does it factor the concept of importing goods to produce for the domestic market.
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Music/Radio / Re: Singing And Rapping Which One Is More Difficult by keneri(m): 5:56pm On Sep 08, 2012 |
odizzy: guy so u classified all dis rappers u mentioned as gud singers, n i see some one mentionin timaya as a singer, pls dia is different btw singing n screaming, pls wen i say singing i mean proffesional singer like R.kelly, ushar, bruno mars, banky, 2face, dare etc. And 4 the fact u hate kelly dosnt mean kelly cnt sing n rap, put his controversality aside, as far as am concern kelly is one of the talented artiste alive, Andre blaze gave hm thombs up at his rap delivery, n wen it comes to singing kelly has a gud voice, strong vocals, lyrics on point, his backups re teriffic. Haven said, brandy u mention of makin mockery of browns rap talent, y did she went ahead promoting d track she ft brown on dat he rappd, in as much as am a vry big fan of brandy, d sister made a mockery of her sef. My man proffesional singing no be come chop o. Agreed!....What people don't know is that kelly hansome (forget his controversies) is one of the few most talented and creative artists we have in naija. I rank the guy together with 2face and BankyW...Just that he isn't as popular and successful. But talent? he's got loads of it. 1 Like |
Career / Re: Building A Career In Investment Banking: Please Advice by keneri(m): 4:05pm On Sep 04, 2012 |
Very well explained T22. Indeed one cannot overemphasize the need for internships. I am a typical example. When I finished my MBA (Information Systems & Finance) in Australia, found it hard to beat other applicants for plum investment banking jobs at the world's global financial powerhouses despite being close to what you can call genius. Those that were previous interns were favored more. The exams T22 listed are very key especially the CFA, FRM, ICAN & ACCA. For the guy who studied mathematics, all I can say is that you have Gold in your hands only if you know how to use it. Becoming a Quant[quantitative trader] will be the way to go. Most of the algorithmic/quant designers in big banking institutions have advanced degrees[PhD] in Mathematics, Statistics, Financial engineering and Quantum Physics. You must work very hard too. Investment Banking isn't for the lousy. Wishing you the best. tanimola22: |
Health / Re: US Approves Once-a-day HIV Pill by keneri(m): 5:00pm On Aug 29, 2012 |
nwa-ngeme: My dear friend, Herpes is NOT terminal. Its just another kind of oral/sexually transmitted virus. There are two major types, Oral (mouth) and on the reproductive organs. Do your research before running into conclusions. Herpes has no "cure" per sey and can lie dormiant in the system for years until when activated by sickness etc. And pls and Pls HIV/AIDS isn't a conspiracy, it kills both whites and blacks alike. check this out for more info: http://www.cdc.gov/std/herpes/stdfact-herpes.htm 1 Like |
Investment / Re: Forex, Stock Indices & Commodities Market Updates!!! by keneri(m): 10:36am On Aug 27, 2012 |
Techical Analysis For The Week Key Points: Can The Cable[British Pound] Hold or Breakout? Will the Common Currency[Euro] hold above the 1.25 level? See Charts Below:
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European Football (EPL, UEFA, La Liga) / Re: Robin Van-Persie Is Off To Manchester United by keneri(m): 9:24pm On Aug 15, 2012 |
Decryptor: Just saw it on CNN Sports... Chei! EPL go sweet dis season o. All ye gunners, ya better denouce, recant and move over to Old Trafford now or die of heart attack cos ur "talented fine boy" has been taken. **visualizing Valencia cutting one sharp cross from the left wing and VP slamming it into Petr Cech's net You don dey find chelshit trouble abi?...lol |
Politics / Re: KOGI UNDER SIEGE: Four Killed In Fresh Attack On Mosque by keneri(m): 9:29am On Aug 08, 2012 |
teminoni: There have been reported threats on mosques, including shootings and bombings, but I have not heard of any casualties what so ever. The muslim worshipers are always saved by one mysterious obstacle or 'premature' explosion before getting to the mosque. You are absolutely correct. They {Boko Haram} use pseudo-attacks on mosques as a smokescreen to make us believe they also attack muslims which is a blatant deceit of the highest order. Until xtians start attending churches with AK47s, hand grenades, rocket launchers and also execute unequal retaliatory attacks, these madness will not stop. 2 Likes |
Travel / Re: Why Is UK So Expensive??? by keneri(m): 4:20pm On Jul 29, 2012 |
Billyonaire: The answer is simply in the economics text books. The law of demand and supply. So many people chose to go to UK for schooling, shopping, tourism etc. And since the government depends on taxation which is added to the rents and other products/services price regimes, the multiplier effect is what you feel daily in the UK, little wonder people living in UK almost always come home with little or nothing to show for it than a rented accent. @billyonaire....rented accent indeed...UK isn't the most expensive as other N'Landers have pointed out. Having lived in Australia, Hong-Kong, Sweden, and now paying an equivalent of N450k monthly for my 2-bedroom flat in Abu Dhabi, UAE. Your guess is as good. United Arab Emirates (Dubai & Abu Dhabi) have one of the costliest apartments in the world. 1 Like |
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