₦airaland Forum

Nice writeup, but u messed it up with the name of the school and the course.

So lame and petty!

Millennials — that generation born between 1980 and 2000 — remember The Great Recession and the constant media reports of retirement accounts being decimated and stock markets falling worldwide. For a Millennial with her first paycheck or first real job, the idea of putting money into the stock market — a place that caused so much unhappiness only seven years ago — is scary.

INFLATION WILL STEAL YOUR MONEY
Investing in the stock market is the most rational thing a person can do. Inflation right now is just about zero, but it has historically averaged 2-3%. With savings accounts (even high-interest ones) only earning customers 1%, people may feel that their money is growing year over year, but it could quickly lose buying power if inflation increases. The S&P 500 however, has averaged a 10% return each year since 1928. Subtract the average inflation cost and the difference is the real rate of return.

Here’s a quick example. Let’s imagine a world with 3% inflation and N1,000 in a high-interest savings account. After a year, the money has earned 2% interest, meaning that the customer has N1,020. In reality, the value of the money (what the customer can actually buy) has decreased by 3%, which means that the diligent saver really only has around N990, a net loss of 1% (plus the taxes he would need to pay on the N20 gain).

If that same money had been invested in the stock market, even with a conservative rate of return of 6%, the investor's money would grow from N1,000 to N1,060 after a year. Subtract the 3% inflation and he still has N1,030 in purchasing power (again, there’s tax to pay on the N60 gain). By putting money in the stock market, the investor hasn’t lost money like the saver.

THE STOCK MARKET ISN'T SCARY
For a person who's never taken a finance class, the idea of the stock market is fear-inducing. Terms like P/E ratio, stock-splitting, and debt-to-equity ratio get thrown around by the media and investment advisers; a person looking to start investing can easily become overwhelmed.

What's the worst that can happen by investing? Stock prices do go down on occasion, but, in the long-run, the stock market goes up. Investing in individual stocks can lead to bankruptcy, but investing in a diversified portfolio leads to profit. (See also The Importance of Diversification.)

The best way I've ever heard someone explain how irrational it is to be afraid of the stock market is like this: While one or two stocks might head to zero, if the entire stock market goes to zero we all have bigger problems than losing money.

It's easy to let emotions get in the way of making rational decisions. We all know to buy low and sell high, but, when facing a stock market correction, it's tempting to act foolishly and to solidify the loss by selling. Likewise, emotions are what entice us to put money in “safe” (and potentially money losing) savings accounts, and emotions are why people buy houses when renting may be cheaper. (See also Reasons Renting Is Better Than Buying.)

INVESTING IS EASY
Luckily, we all have access to the Internet, which makes it easy to invest rationally and wisely. The Internet has a plethora of resources for learning how to invest and for understanding different tax-savings vehicles available to the world.

Also thanks to the Internet, discount brokerages will process your trades for a low cost. Online brokerages let people buy small numbers of shares or funds without having to worry (too much) about the cost of the transaction. Contrast that to a time before the Internet when full-service brokers would charge a high fee to conduct a single trade.

By starting to invest now, there's another enormous advantage over someone who chooses to invest later" time. Time is advantageous to investors for two reasons. First, the power of compounding means that invested money will grow exponentially. The longer someone invests in the stock market, the greater her gains will be.

The second reason people need to start investing early is that time gives investors choice. Stock markets go up and down repeatedly, and if an investor needs her money now, she won't be able to wait for the markets to go back up and could potentially lose a lot of money. Investing for the long-term is the best strategy, and the earlier a person starts to invest, the more time she'll have to recoup any losses.

THE BOTTOM LINE
The most definitive way to explain to a person why she should invest is to provide a concrete example. In 2008, stock prices plummeted. A potential investor, looking at the large drop in share price, would easily be convinced that her money is safer in a savings account.

Looking back though, we can see that a person who invested her money in an S&P 500 index fund at its peak price before the 2008 market crash would still be up 36% not including dividends. Sure, holding an S&P 500 index fund during The Great Recession wasn't fun. It, along with every other stock, fell and lost money for a lot of people. However, with the benefit of time and long-term investing, the stock recovered and is worth much more than it was before the decline.

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Cc: Seun, Ishilove, lala



























Source: http://www.investopedia.com/articles/investing/072315/youre-crazy-not-invest-stock-market.asp#ixzz3hGqB9OMy
Follow us: @Investopedia on Twitter

N900/day job for a world class project with no major incentives afterwards, and a world-class result is expected.

The money can't even cover their daily transport to work and feeding else they manage it effectively on top N900 (9Hours Job).

It is well!

Reading all this post makes me feel am already leaving in Nai, so captivating. Kudos to you guyz sincere contribution.

Looking forth for the best.

Gracia

Make sure your phone is connected to the internet, I recommend you use WiFi because whatsapp web synchronizes with your phone. Select whatsapp web from menu in your phone's whatsapp messenger and scan the QR code in the browser.
you can now receive timely notifications and chats on your computer.

NOTE : [ color=#990000]ANDROID Users only!![/color].


Works fine on BlackBerry too, diversified your research well enough.

Otunba6:
This post caught my attention. Guy, i would've caught her long before now if i'm the kind that intruding in someone private life. Besides, this is not the first time i'm broken up with girls without hurting them. I came her to seek for opinions because it involve a gift which i think(out of annoyance) she doesnt deserve it.

You talked about maturity, i would've advised you to rather talk of wisdom. Telling her about it at this crucial time will only result to begging,crying and excuses which i may not have a strong heart to but to forgive. How many guys can see a beautiful lady crying and begging on her kneel without having a second thought?

It called Emotional Blackmail. And once it been display/allow you, there's a greater chance of you falling for it...

However will advice you to play it out diligently as I observed that you so much in Love and it won't easy for you to let go, but trust your heart and let faith decide.

SenseiX:
He ignored the entire senior cadre of the agency simply because they are Southerners mostly, from Bassey Eteng to the least, even if he wanted to pick a Northerner he should have picked from the service rather than a 62 year old retiree whose only qualification is him being Buhari's kinsman who was in the SSS, When Jonathan appointed Ekpenyong he was already Director Operations, same for Gadzama who Yar’Adua appointed, the nation's premier intelligence agency should not be destroyed on the altar of ethnic bigotry

It has been a tradition right from OBJ who appointed Kayode Are, Yaradua choose to work with Gaizama, Jonathan with Epkenyong so what is wrong with PMB appointing Daura.

Walspring:
They cant think because they have shallow thought and their sense of thinking is missing and rusty if i am not wrong...
They dont think about the future but what they want to gain presently..
Weeping for my country...

Toktee:
Wailing wailers,so after read,you delibrately ignored the side or portion that states his qualification clearly,moreover,can you states the acheivements of the young ekpeyong for the past years?
what a wailer!

Walspring:
They cant think because they have shallow thought and their sense of thinking is missing and rusty if i am not wrong...
They dont think about the future but what they want to gain presently..
Weeping for my country...

logica:
Remember Sir Ahmadu Bello and Nzeogwu? Remember Ironsi, Walbe and Danjuma? Those are the incidents that set this bad precedence. But it does not excuse Buhari; it merely proves that he's of the ancient stock and it is too late to change his orientation.

Unfortunately, the tired old theme of “the rich get richer…” seems to hold true in the job search field, too. Conventional wisdom is borne out by reality. As Alison Green, author of "How To Get A Job: Secrets of A Hiring Manager," confirms:, "Employers tend to prefer to hire people who are already employed." And it’s not because human reources departments are prejudiced against people without jobs (though that might be true sometimes, according to Job-Hunt, but pretty seldom). Especially since the big downturn of 2008, employers (and everyone else) are aware that very good people have been having a very hard time finding a job.

What Joblessness Implies About You

One reason it might be easier to find a job when you’re already employed is that you’re not too eager to get the new job. Eagerness is a dead giveaway when job-hunting, says Job-Hunt. And of course, if you already have a job, normally you’re not over-eager or desperate. You don’t absolutely HAVE to have a new job, like someone who’s wondering about how to pay the rent next month. Alison Green would agree: "Rightly or wrongly, employers tend to assume that people don’t quit jobs without another lined up unless (a) they were about to be fired, (b) they actually were fired and are just saying that they quit, or (c) they’re potentially someone who walks when things are frustrating, which is worrisome because of course every job will be have frustrations at one point or another.”

No one knows if there really was truth to the story posted on Huffington Post, of an employer looking for a new employee but saying, “The unemployed need not apply.” Huffpost deleted the shibboleth shortly after it was posted. But in fact many experts say they believe companies are increasingly interested only in applicants who already have a job.

A Job Means An Automatic Network

In fact, when you already have a job, you really have some special things going for you. One important thing is your professional network. Forbes.com cites Andy Teach, a corporate veteran and author of From Graduation to Corporation: The Practical Guide to Climbing the Corporate Ladder One Rung at a Time, who points out that “when you’re working, you’re constantly interacting with your industry contacts…”. When you’re not the proud possessor of an existing job, you just don’t have that advantage. "It puts you in a defensive position," Teach says. (You also may be interested in How to Use LinkedIn To Get A Job.)

Not having a job while you're looking for one brings up the same problem set as a gaping hole in your work history. "The issue of gaps in employment history is a thorny one," says Bronwen Hann, a Toronto-based recruiter, for they can give "the wrong impression about your abilities and ambitions, imply that you're not capable...or that you were 'dishonorably discharged' from your previous job and didn't know how to get back into a position. Worst of all," Hann says, "it can imply that you're lazy, or that you don't care about your career." (Also, check out How Long Should My Resume Be?)

You Have More Negotiating Power

It helps with leverage, too, when you already have a job. You’re in a better negotiating position, obviously, if you don’t actually need the job you’re offered. And employers know that all too well.

Must Your Job Search Be Confidential?

But of course, like everything in the world, looking for a job when you already have one does carry certain risks. Your current employer might hear about your job search, and he or she might look upon it as disloyal. Or even a firing offense. If you want to avoid that problem (which of course you do) it could be a good idea to talk over your dissatisfaction and your aspirations with your boss first, even before you start looking elsewhere. Often the reason an employed person looks for another job is that they don’t like a person or persons they are working with. There could be options like a transfer, or a change in departments within your company. But if those options don’t exist, then it really is time to look further.

What To Do About References

It's best not to let your boss know you are looking. "Your manager may view your desire to depart as a betrayal," says Marie G. McIntyre of YourOfficeCoach.com. For instance, there’s the prickly problem of references. You need to have some from previous employers, or perhaps you can get a supervisor who has recently left your company. Otherwise, you must choose someone you trust to keep your job-hunting confidential inside the company where you're working.

And of course, searching for a new job when you’re still at a current one takes a lot of time. You must be careful not to slack off on your current job, and also not to tell prospective employers that you’re looking for a new position because you hate your boss, if that's the problem. Candor in this case is not advised.

The Bottom Line

It is easier to get a job offer when you already have a job. But it can take some careful maneuvering and a lot of extra time to pull it off.

Cc: Seun, Ishilove, Lalastica

http://www.investopedia.com/articles/personal-finance/062015/why-it-easier-find-job-while-employed.asp?utm_source=financial-edge&utm_medium=email&utm_campaign=PF-6/23/2015

This is one the false illusion Radio Biafra is injecting into their brain!...and they are always so boastful about it as if only SS and SE dey below the Niger Zone. *Lower Niger indeed!

#GodblessNigeria.

It so obvious that you have decided to turn ur bigoted view over the picture shown above.

Firstly, if you have thoroughly read through the report above, you would have observed where it stated that "He probably got the money from either narcotic dealing or illegal financial transactions" Therefore, there's so point of indictment on the report just a probability.

I can presume that you are prostitute by the way you dress, but does that make u a prostitute? So please open your biased chronic mindset and go through the above report again.

Finally, when and educated and enlightened person came across report like this, you bound to cross-check the fact before you rant out those rubbish coming from stupid sub-standard brain!

Ps: Go through the report again *i doubt if you did b4 commenting*
Evidence are always bound for verification and scrutiny.

shaqhead:
@akwabassey I hope by now ds hooey u n ur ilks riddle ds platform wt has cleared from ur head!
The folks u mentioned ddnt show up to cover ur back because e don clear for dia eye tey tey...where were u wen they were havin their Tinubu irritation immunization.
Left to folks like u...u wl sit in ur coven of mischief n seek Tinubu extradition...it doesnt work like that..we are in a civilised world.
Yes, u dnt like him but until the law labels him a fugitive drug pusher, theres nothin..absolutely nothin u can do abt it! Ouchh
I would expect u stop ds name calling of Tinubu and also urge folks like u to do same.
If d US have issues wt Tinubu, dey wl com knockin for him and a million rants from folks like u wont make d US do wat u want em to do.

patrick89:
Yorobbers!! The drug kingpin activities is here..http://www.google.com/url?q=http://www..com/talk/topic,222289.0.html&sa=U&ei=uudgVaKiAYnRswGl1oCABw&ved=0CBoQFjAG&usg=AFQjCNHkib10yh8ZKbY1t_cKs-_2v24RpA

ibisko04:
Eje Ki won ma wi. Let them say. They are only jealous of Tinubu success.

PenSniper:
A typical descendant of biblical Cain who lives under a perpetual curse.

Eshinwaju:
How possible......I want u people to get ur Biafra...... ...seriously nothing will make me happier....

Chappie:
biafran giving bum licker's heart attack since 1976

socialmediaman:
Is there an extradition request from the U.S. for Bola Tinubu?
The text above shows his financial assets were forfeited on suspicion of narcotics trafficking... Verdict based on "probable cause to believe" not "hard evidence"... There's no request for his extradition because there's no hard evidence in that regard.
This is not to say he's innocent, but I've seen American lawmakers believed to be fraudulent and corrupt but lack of hard evidence keeps them as free as everyone else.
In Buruju Kashumu's case, there was hard evidence that the crime was committed, what he has been contesting was he wasn't the one, that it was his brother who is late and buried now, but the Americans believe he deceived the UK court and they believe they possess evidence that say he is the one.

OrigamiIII:
Tinubu is a frequent traveller to the U.S.
You guys don't really know Tinubu. He is far more polically clever than anyone you can think of in this present day Nigeria. Any venture to attack his personality would fail. Tinubu understands the political value of the yoruba people. He knows those who are likely to favour or betray the race. After the demise of the much revered late sage Chief Obafemi Awolowo, no yoruba politician has been able to fit into his shoes except Tinubu who the entire race is nurturing and hoping he would fit into this very important leadership role. Tinubu is the current indisputable political leader of the yoruba people.
Where were you when the entire SW was marginalised during the horrible 6 years of GEJ administration? Tinubu waited and enacted a plan to unseat the clueless chap in order to restore the SW to her rightful place in the scheme of national dynamics. That mission has been achieved so every other thing can fall orderly in place. It is not a mission to marginalise any tribe or region but a mission to forge a better country.
Tinubu is not wanted in the U.S but kashamu is. Leave Tinubu alone.

t

omoharry:
You are ready to label other corruption politicians such as kashamu has criminal and as such should be extradited to the US but you are ready to turn or head to other side when it comes to ur Tinubu your mentor....this the double standard that is deviling the country. Ur inability to call a spade a spad but would rather decorated a black object and call it white even with full evidence before just becos u are blinded by sentiments. I think you should cover or head in shame.

Nihilist:
I got knocked out during an amateur fight.

3 rounds, only 150 pounds for the winner.

Woke up concussed and realised that I was risking my life for nothing.

About the fight, Manny is old and a politician and a basketballer.

Floyd can smell victory cos like like Anthony Joshua, he picks fights he can never lose.

Pac lost to Marquez and then got beat by Tim Bradley. Granted Pac came back strong in the rubber, but it already obvious that we're looking at a great in decline

Plus Kennny Bayless is the ref...That's like having two floyds in the ring.

This your tactical analysis just came to pass...Good one bro!

inikamoze:
Point of correction bro...May lost to Serafim Todorov of Bulgaria @ the 1996 Atlanta Olympics,in a semi-final bout.

t

soe:
Source?

Even the grandfather of the man that born Jonathan's great grandfather's dad cannot dare say that.

In asari's voice...him no fit

Now you've totally choke me with deep laughter [color=#000099][/color]

Rilwayne001:
The one below deceived GEJ because of protection and ministerial post. OP please add him to the list.



https://www.animated-smileys.com/emoticons/animated-smileys-brutal-violent-018.gif

SHUT UP AND WAKE UP FROM YOUR DREAM

Now you've totally choke me with deep laughter

Iamsynord:
The youth are the leaders of tomorrow . the Young boy is vying for the post of head boy and as such doing a serious campaign

Cc lalasticlala

Common guy grow up and get some exposure, have done several design for school kids campaign and there's nothing so outstanding in this your post!

How

Holywizard:
buhari will sink Nigeria...
Fighting corruption or not..
that man will neva succeed because he will be louzy & unreasonable to react.
He will only be a ceremonial northern bastard

How could you be so daft and highly stupid to pour out such a rubbish from your maggot rotten mouth which has infested your brain!

The guy has the right to appoint his CSO *Chief security officer* incase you don't know!

IsraeliAIRFORCE:
You never touched the salient point.

Let me help you.

APC rebuffs the Igbos by denying them any political post aside one cabinet appointment.

APC believe that Igbos are second class citizens.

On the contrary, PDP gave Igbos the opportunity to represent the interest of their constituencies.

PDP believe Lagos State is a home for all Nigerians irrespective of race, tribe or political orientation.

T[b]he stroke that broke the Camel's back is not Akiolu's outrage but the cause of the outrage which is that Igbos through PDP got five seats at National Assembly to represent their constituencies thereby annoying almost all the entire Yoruba race with few exception[/b].

Based on the above and forgoing predictions on change in political structures in Lagos State, the Oba Akiolu has to champion the message to those he perceived as anti-establishment in Lagos State.

What is happening in Lagos State is a leap in democracy where demographic changes determine the new political map.

Point of correction, PDP won just 4 sit and only 2 are igbo, one from Isolo and the other from Ajegunle, while the third is an Iroboh indigene, while the last is a Yoruba PdP, the last sit was Won by Accord Party *A former APC strongman* in Illupeju/Mushin consistency.

Therefore, always get your fact right!

o42austino:
ur still making the same mistakes That most APC fans in this forum is making, Nigerian election is not decided by the total vote cast but popular vote. The people that wrote the Constitution and electoral act knows that if they make it by only total votes cast that the north may rule forever so they made sure that they included popular votes, Bayelsa state may hv only but 500,000votes but the electoral act and constitution expect GMB to make an inroads there and win some votes to show his popular and failure to do that will show his not popular there. My dear with our electoral laws every region and state is important no matter how small their population are.

You are write bro,but the concluding part of the electoral law state that the 25% vote must be in 2/3 of the 36 state that is 24states. Therefore, the general and GEJ must have over 25% votes in @ least 24states.

Fortunate is the person who has developed then self-control to steer a straight course towards his objective in life, without being swayed from his purpose by either commendation or condemnation. -

Your final decision must be based on your own full personal assessment.

March4

gen2briz:
Oya make we march forward for change
GMB 2015

Buhari2assorock

MarchBuhari2assorock[/size][size=8pt][size=8pt][/size][font=Lucida Sans Unicode][/font]

vinohh:
INEC, always bowing to pressure...PDP HAVE STARTED MANIPULATIONS ALREADY...may be they need more time to brain wash JEGA!

Kundagarten:
Postpone the election for 4yrs, no need for this gra gra.
Let everyone enjoy the fresh air for another 4yrs.

JEITO:
Let the dust settle small sef. I wonder why APC guys are crying foul when it is obvious the shift will afford all contesting parties more time to strategise better, campaign more, gather more support..
Btw, previous elections held in April and they were sworn-in in May. What could be better than conducting elections in a conducive environment? And if INEC, security agents and the political parties are assuring us that come March 28, all these will be on ground, then let's take them for their word. Na wen time don reach and we hear another kind talk we go begin ask questions.
In the meantime, FRESH AIR mode activated

nigerianewsbeat:
Something is fundamentally wrong: something neglected for six years to be handled for six weeks?

obiZEAL:
Lolz...They got scared of Febuhari little did thet know that we will March4Buhari!

AIT, PRESIDENTIAL POLL AND IP ADDRESS FRAUD

AIT, in a statement widely circulated to justify the reason for bringing down 2015 Presidential Poll on their website, claims an integrity test conducted on the result of the poll showed that 30 unidentified unique IP addresses voted a total of 4969 in favour of GMB, suggesting that the process was hacked and rigged.

In the supporting CSV that contains the IPv4 addresses, they claimed hosts 82.145.210.167 to 82.145.210.570 voted for GMB (Please see the included photos)

Please note however that Class A IP address 82 starts from 82.0.0.0 and ends at 82.255.255.255. As a matter of fact, no octet of IP address can exceed 255.

It is just like saying the time is 6:87am (Six eighty seven am) whereas we know that 6hour starts from 6:00am and ends at 6:59am. Minutes ends at 59, so you can’t even have 6:61pm.

The fourth octet of Address 82.145.210.x can only start from 82.145.210.1 to 82.145.210.255. So where did AIT get IP addresses 82.145.210.256 to 82.145.210.570 which they alleged voted for GMB?. These IP addresses are not possible (and not in existent) anywhere in the world!

The guy that was assigned the job forgot to do his homework well. He just sat down in front of his PC and was drag-copying the IP addresses on the CSV file to achieve the paymaster’s aim.

My CCIE/CCNP/MCSE colleagues, make una see fraud in 3D Oooooo.






















https://m.facebook.com/photos/viewer/?photoset_token=pcb.10153085683762840&photo=10153085680037840&profileid=1149055099&source=48&refid=52

AIT, PRESIDENTIAL POLL AND IP ADDRESS FRAUD

AIT, in a statement widely circulated to justify the reason for bringing down 2015 Presidential Poll on their website, claims an integrity test conducted on the result of the poll showed that 30 unidentified unique IP addresses voted a total of 4969 in favour of GMB, suggesting that the process was hacked and rigged.

In the supporting CSV that contains the IPv4 addresses, they claimed hosts 82.145.210.167 to 82.145.210.570 voted for GMB (Please see the included photos)

Please note however that Class A IP address 82 starts from 82.0.0.0 and ends at 82.255.255.255. As a matter of fact, no octet of IP address can exceed 255.

It is just like saying the time is 6:87am (Six eighty seven am) whereas we know that 6hour starts from 6:00am and ends at 6:59am. Minutes ends at 59, so you can’t even have 6:61pm.

The fourth octet of Address 82.145.210.x can only start from 82.145.210.1 to 82.145.210.255. So where did AIT get IP addresses 82.145.210.256 to 82.145.210.570 which they alleged voted for GMB?. These IP addresses are not possible (and not in existent) anywhere in the world!

The guy that was assigned the job forgot to do his homework well. He just sat down in front of his PC and was drag-copying the IP addresses on the CSV file to achieve the paymaster’s aim.

My CCIE/CCNP/MCSE colleagues, make una see fraud in 3D o.

Africa Independent Mind over you!


Ps: Can't seem to post the fake IP addresses here but you can get various I.T expert comment here :

https://m.facebook.com/photos/viewer/?photoset_token=pcb.10153085683762840&photo=10153085680037840&profileid=1149055099&source=48&refid=52

Mine is 05, which country is that?

geolabious:
UUUUUUUUHHHHHHHHHHmm
[size=13pt]My Sony ericsson is 13 that means it was Assembly on Azerbaijan which is very Bad quality and very dangerous for health!!!
My Nokia is 02 or 20 that means it was assembled in Emirates, which is very Bad quality.
[/size]