₦airaland Forum

I have someone who needs a short let apartment in Lagos, for about 2 weeks - 1 month.
A single room, 1 bedroom with its own toilet/bathroom, or anything within that range is fine.
A furnished unit would be ideal, but not a deal breaker.

This person has lived in Lagos for long and knows the city, but is changing apartments, so something temporary is needed.

What do you have or recommend?

However, not some "face me i face you" type dump.

If you have something, let me know what, where, how much, your contact number etc. Thanks.

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Edited: Never mind.

I don't live in Nigeria so i can't say definitively for Nigeria, -but this applies universally.

The number one reason people hesitate to shop for clothes online (anywhere)
is the "fit factor." Unlike gadgets which are more about specifications, clothes
need to fit just right. People want to see if they look good in clothes before they commit.
The risk of a bad fit, and the consequent inconvenience of a return process is a turn off.

This shouldn't discourage you though. You can never win if you don't try.
Just like any business, your strategies are what will determine the outcome.

Think about this: You mentioned Konga in your post. Only a few years ago, people were
screaming that businesses like Jumia and Konga were bound to fail because Nigerians
would not buy ANYTHING online. Well, if they had listened to that, they would have shot themselves in the foot.

I keep a keen eye on the Nigerian business terrain, and invest in it.
Increased access to the internet and tech products is changing the status quo in Nigeria.

When thinking of a business, don't focus only on what the market is right now, but what it will be. Even better, what you will make it.

When soliciting an unknown crowd, do yourself a favor and at least take yourself a little seriously.

Do you honestly believe that with what you have typed here, a prospective investor or lender would take you serious enough
to give a second glance?

Free advice for you:

-When engaging in any form of business correspondence, use complete sentences, spelling and punctuation.
-Always outline your intentions, or at the very least - offer to provide more information on demand through a defined channel.

Good luck.

Credit cards are a gift and a curse. However, they lean more toward the latter.
All credit cards do is ensure that you live above your means (if you aren't rock discipline).

For those asking, the basic workings of credit cards are like this:

a. Financial institution receives your application for a credit card.

b. They review it based on your "ability to pay back." This involves income, assets, job type etc.

c. Based on your "credit worthiness" they decide what to offer you as a "credit limit."

d. If approved, you are issued a card with the said "credit limit."

e. Every month, you can use no more than the set "credit limit," and are obligated to pay back the amount used + interest, or at least your set "minimum payment." The higher your outstanding balance at the end of the month, the higher your interest. REPEAT this step every month.


I'll explain some terms:
- Credit worthiness = Your likelihood to pay back regularly, based on your financial standing.
- Credit Limit = The max amount issued to you, which you can not exceed at any time. E.g the 100,000 - 1,500,000 in the OP's post.
- Minimum Payment = The lowest amount you are allowed to pay back each month to avoid a late fee or any penalties.

Fundamentally, you're borrowing money to live above your means, and pay interest to the financial institution for doing so.

However, If managed very well, it can provide you with an opportunity to launch yourself into businesses, and things you would otherwise not have had.

Many people who get approved for their first credit card go on shopping sprees, and other such activities, and then end up in debt.
As of 2012, the average credit card debt here in the U.S per household was $15,000 (NGN 2,435,850).

Avoid credit cards if you do not have a strong financial plan on how to make the funds work for you (use it as business capital).

And by the way, exclusive credit card companies like the one mentioned by the OP, are the worst and most predatory kinds.
They are notorious for insane interest rates, fees and penalties.

I see.