₦airaland Forum

Saving money is made simple when you have the ability to keep your eye on your spending habits.

First…

What is cash stuffing or cash envelope system?

Cash stuffing is a budgeting system that is used to allocate periodic budgets (weekly or monthly) for mostly planned current expenses and stuff correlative amount of cash in labeled envelopes.

Planned current expenses suggest that cash stuffing or cash envelope system must be preceded by a periodic budget made for all expenses, to be covered by the system.
In summary the steps to cash stuffing are:

1. Having a monthly budget that covers all categories of planned cash spending.

Write down those categories on a list.

2. Writing down each listed category on an envelope.

Tick off your list to ensure that every category has an envelope.

3. Put in each envelope, the corresponding budgeted amount.

Do this at the beginning of every budget period, usually the beginning of a month.

4. Pay for expenses with cash from appropriate envelopes.

5. Track your spending, analyze and fix weaknesses in the system .

6. Rinse and repeat in a new month or in a new budget period.

Cash stuffing is great way to control spending habits and decrease debt but it also has its downsides.

The downsides are:

1. The interest on a high-yield savings account foregone.

Cash stuffing eliminates the opportunity of earning interest, that accrues on money kept in a savings account.

2. Keeping cash stuffed in envelopes increases the risk of loss to theft or carelessness.

Physical money lost is irrecoverable except in very rare cases where it’s found and returned by a 'Good Samaritan'. But if money is lost from your credit card, you can contact your bank to recover some or all of it.

3. The process of cash stuffing is time consuming. It takes a lot of time to draw up a budget, create a list and stuff cash in appropriate envelopes.


Before you decide to use cash stuffing as a budgeting method, check to see if it would help your money personality to save more money.



https://ayipost.com/blog/f/why-is-cash-stuffing-a-popular-budgeting-program

It was H. Jackson Brown that said, “The best preparation for tomorrow is doing your best today.”


One of the best preparation for a better tomorrow is having your long term goals drawn up and matching them to well thought-out tactics and strategies that would help you achieve them. But…

What are long term goals?

Long term goals are those things you make up your mind to accomplish in a future that falls between five and ten years or more.

To achieve a long term goal, you’ve to have plans, established timelines and a set of short term goals that accumulate to achieve a long term goal.

What the above means is, you should have a reliable process that defines clear actions which must be performed consistently in order to achieve your ultimate goal, that is, your long term goal.

Long term goals are visions that take a long time to be accomplished in the future.

Long term goals include a retirement plan, a plan to own a business and other future plans that would require time and resources to actualize.

Now,

Why are long term goals so relevant to living the life of your dream?

The benefits of having long term goals are so great, you just cannot ignored them. Some of them are;

1. Long term goals set a clear path to success.

When you establish long term goals , they open up a clear to success in front of you.

In other words, they give you a clear vision of where you’re going to and also, give you the focus required to reach your ultimate destination.

Being on a well defined path to your destination hands you the the tools to weed out distractions.


2. Long term goals are a great source of personal motivation.

Long term goals should motivate you to bend down and plough, on your on and off days, towards your ultimate destination.

Daily distractions are out of the way, remember? All you have left are the focus and the determination to chieve daily goals that would ultimately earn your long term goal.

3. Long term goals help you to live a purposeful life.

Having long term goals is a sure way to live life with purpose.

Having your long term goals always in front you gives something to live and work for every waking moment of your life.

4. Long term goals are a rich source of self-assurance.

Long term goals are also a rich source of self-confidence.

Now self-confidence is an extremely very important attitude to have to achieve life goals. Why?

So that when you fail, self-assurance would give you the courage to get up and try again until you succeed. The belief in your abilities is firmly established.



5. They build self-discipline.

It goes without saying that having long term goals and being committed to achieving them increase self-discipline.

With long term goals, you would always know what to work for everyday and how much to achieve everyday so as to be where to be in future.

This awareness makes easy to stop hanging out with people and going to places that don’t take towards your long term goals.

6. Long term goals help to reach self-actualization.

Having long term goals and consistently working towards achieving them would produce results that help you reach your full potential.

If you could maintain focus and self-discipline that drive you slowly over years towards a goal, then you would definitely be enjoying the process.

The ability to follow the process everyday would come from a passion.

This passion would ultimately help you reach your potential.

Hello, it’s important to note that not every long term goal is achievable. For a long term goal to be achievable, it should meet certain standards.

What factors make long term goals effective and achievable?


• First know what you really want out of life.

• Take stock of where you are.

• Then accept that if where you are is not leading you to your ultimate destination, it’s time to set new long term goals.

• After developing long term goals, develop action plans.

• Take actions.

• And, reward yourself when you succeed and encourage yourself to continue when you fail.

https://ayipost.com/blog/f/how-powerful-are-long-term-goals

The victim of a heartbreaking breakup would most likely wish a breakup to be a bad dream they would wake up from.

When the reality finally sinks in, the victim is left to face the uphill task of surviving a crushing loneliness.

Why does the ‘victim’ feel lonely after a breakup?

1. The loss of a life co-traveler.

The journey of life is tougher for a lone traveler and easier for someone with a co-traveler.

The lone traveler has no real trusted partner to lean on in times of challenges.

On the other hand, someone who is in a great relationship has someone to share trying times with. The departure of a co-traveler would leave the abandoned in the lurch of despondency and loneliness.

2. The feeling of insecurity.

It is natural to feel insecure when you lose the company of a dependable partner.

The empty space left after a breaup could intensify the feeling of loneliness.


3. The feeling of worthlessness.

It’s also common to feel worthless and unlovable after a breakup.

This feeling is one of the consequences of depending on someone else’s love and acceptance to determine your self-worth.

The feeling of worthlessness can make you feel lonely after a breakup.

What are the ways to survive crushing loneliness after the most heartbreaking breakup?

1. Accepting the reality and allowing yourself to grief.

Accept the reality of a breakup and give yourself the permission to grieve the breakup.

• Don’t ignore the opposing emotions, feel them. Ignoring them would make acceptance harder, could prolong the grieving period unnecessarily and worsen the feeling of loneliness.

2. Take care of your mental health and well-being.

This is extremely important. After grieving a breakup, take the necessary steps to take care of your mental health and we’ll being.

Take out time to focus on the realities of life.

Engage in activities that will help you to leave the past behind, make you cherish the joy of living in the presence and stop you from feeling lonely.

3. Avoid beginning another relationship too soon.

Living in the presence should include enjoying everything beautiful around except beginning another relationship too soon after a breakup.

Allow yourself go the whole hog of the healing process. At least, wait until the feeling of loneliness is over.

Wait for a few months beginning giving yourself another chance at finding love.


4. Understand that “life must go on,” so use your time productively.

With or without you, Life goes on.

When you understand this fact of life, you would want to move on with your life after a breakup.

How do you move on?

By reassessing and reprioritizing your life goals.

Check to see the top ones which you’re yet to achieve, draw up your plans and go out to achieve them.

So instead of allowing yourself to be consumed by loneliness, use your time productively to set new goals and work hard to achieve them.

5. Learn new skills and use them.

Learning a set of new skills is a time consuming task that keeps your body active and improves your mental well-being.

Learning new skills is therefore a great way to survive the loneliness of a breakup and improve your mental well-being.



6. Seek help.

Don’t shy away from seeking the help of family, friends and therapists to survive the loneliness of a breakup.

After your relationship crashes, you still have people that care about you, your well-being and your personal happiness. Turn to them!

https://ayipost.com/blog/f/surviving-crushing-loneliness-after-a-heartbreaking-breakup

“How much is it?”

“Oga, I said 2,000.”

“Aaahh, Mama I bought it 800 4 or 5 days ago na “

“Oga, where you dey?” “You no follow dey this here with us?”

It’s the way prices of things and costs of production double or triple in a matter of days in an economy affected by galloping inflation.

In a galloping inflation economy, prices of goods and costs of production keep going up astronomically and pushing the indicators to settle between 30 and 40 percent.

Sometimes, the inflation rate could up as high as more than 100 percent.

A galloping inflation is caused by rising costs among other things.

When it’s caused by rising costs of production (cost-push effect), business people or owners of factors of production in attempt to maintain profitability, transfer the increasing costs of making goods available to final consumers.

The final consumers end up bearing the burden in the way of rising prices of goods and services.

Most of the final consumers are not policy formulators that have the responsibility and the expertise to come up with necessary economic policies to reduce the inflation rate. The consumer has only one option; surviving the galloping inflation.

How can you as a consumer survive an economy in a galloping inflation?

1. Sticking to personal budget.

Crafting a personal budget and sticking to it is not always easy in normal times. It’s harder in times of galloping inflation. Why?

Because prices are unpredictable and as a non-economic expert, you don’t posses the knowledge to accurately estimate future prices of stuff at the time of budgeting. But still, you’ve to have a budget.

Draw up a budget and mark-up prices of things you expect to buy by at least 40 percent. This should accommodate variances (differences between budgeted and actual prices), both negative and positive.

It should do more. It should present you with the freedom to review upward or downward, your spending depending on prevailing economic conditions.

Your budget should also aid you to reduce consumption of;

a. Energy,
b. Gas and petrol,
c. Telephony services,


And also cut back on your expenditure on socials.


The period of galloping inflation is the right time to go for small stuff and save more.

A significant portion of your savings should be used to set up an emergency fund.

2. Have an emergency fund.

Period of continuous rise in the prices of goods and services is just the right time to set aside and have a dedicated savings account to cover unexpected costs.

Yes, no matter how tight your budget is and how high your fiscal discipline is, expect unexpected costs to pop up once in a while. So having an emergency fund is a must during a period of galloping inflation.


3. Save more, renegotiate and pay debt down and, invest in real estate, gold, commodities, stocks, bonds and other tangible assets.

Making conscious efforts to pay off debt, by paying in small installments until every dime is paid off would free up more money for investment in tangible assets.

These tangible assets have the potential to increase in value over time.

The returns on investment would increase your cash flow to meet increasing prices of goods and services.


4. It’s the right time to ask for a pay raise.

If you’re an employee , a period of rising prices is just the appropriate time to ask for a pay raise from your employer.

• The period presents justifiable reasons to ask for a raise.



5. Keep calm and take care of your mental health.

In a tough economic situation such as prolonged period of galloping inflation, it’s highly recommended to keep calm and take care of your mental health.

Pay as little attention as possible to local news and focus more on the little things that make life pleasant and fun.

The tough times will pass.


https://ayipost.com/blog/f/surviving-an-economy-in-galloping-inflation

It’s many days now past the commencement date you set, yet you’re still avoiding starting that project.

You’ve been hiding in the comfort zone of procrastination to avoid setting forth.

Or, you quit after beginning then sought solace in words that self-delude you to justify the escape,

”I’ll get it done someday when in a good mindset and when I’ve found the formula that’ll guarantee perfection.”

There’s no 'someday' and there’s no perfection. There’s always one thing standing between you and your goals and that is,

“The bullshit story you keep telling yourself as to why you can't achieve it.” -Jordan Belfort


There’s no doubt that avoidance is a natural mechanism that helps people cope with pain, fear and anxiety.

However , it causes people to procrastinate and refuse to make the doing of an important thing a priority.


Now, when you refuse to do the necessary things which could drive away fear, pain trauma and dismantle the barrier standing between you and your goal, would they go away on their own? No!

So, when you seek escape from prioritizing the doing of important things whether you feel like or not, you miss an opportunity to develop skills necessary to cope with avoidance.

In the absence of possessing necessary avoidance coping skills, anxiety and stress are reinforced and consequently, procrastination deepens its roots.

Then what? You continue to deliberately avoid doing what you’re supposed to do as days slip by.

There’s good news. Hello! It’s not late!!

You can get up now, shake off the lethargy, be confrontational and take action.

You don’t know where to start?

The following may help.

1. Start by practicing mindfulness.

When you practice mindfulness, you become conscious of your feelings, thoughts, sensations and environment.

Therefore, practicing mindfulness would help you to recognize avoidance and deal with it quickly before it overwhelms you.

Studies suggest that practicing mindfulness can have a positive impact on well-being.



There are proofs that mindfulness-based treatments have been reduced anxiety, which is one of the major causes of avoidance.

2. Develop coping skills.

Develop a strong self-discipline that would help draw up a daily schedule with deadlines and stick to it.

You would also need to stop going to places and hanging out with people that are distractions.

The less distractions you have, the more options you have to cope with avoidance.


3. At the beginning, it’s not going to be easy, so start slowly.


Don’t be hard on yourself
when you suffer occasional relapse. Encourage yourself and start again until you master your new set of skills- coping with avoidance.


In conclusion, don’t forget that,

“Your hardest times often lead to the greatest moments of your life. Keep going. Tough situations build strong people in the end.”-Roy T. Bennett.

https://ayipost.com/blog/f/how-can-you-overcome-avoidance-behavior

Which is better? A Comfortable Silence or A Healthy Communication?

Constructing and frequently using productive channels of communication offer the most effective way to keep a relationship going.

Every relationship is a garden but without a bed of roses. There are always thorns here and there.

It’s in the hands of the gardeners , which those in relationship are, to determine the success or failure of their relationship.

Success in a relationship to a greater extent , is a function of the frequency of use, and the effectiveness of a healthy communication channels in a relationship.

It's the frequent talking and of course, the commitment to communicate freely, feelings and thoughts that remove thorns from a relationship.

Comfortable silence doesn’t grow a relationship. Instead, it lays a fertile ground for partners to begin to drift apart gradually.

Couple choose to adopt comfortable silence when they come to the point where they believe talking is no longer producing desired changes in a relationship they’re not ready to quit.

So, they keep quiet for the sake of whatever benefits they’re getting. Such benefits are usually everything except peace of mind and happiness.

It shouldn’t be forgotten that the root of happiness is in having the freedom to say it all when it’s necessary, no matter how uncomfortable the words may sound.

Unhappiness sprout forth from so much things left unsaid.

“Much unhappiness has come into the world because of bewilderment and things left unsaid.” - Fyodor Dostoevsky.

A relationship that is not offering peace of mind and happiness offers no real benefits to those involved.

However, in a long term relationship, after much is known about one another and the bond seems unbreakable, being comfortable with silence is not bad.

But it would be anti-growth to remain silent in situation where speaking out could calm the storm. The age of a relationship doesn’t completely eliminate differences in a relationship.

So, don’t choose to be comfortable with silence when you must speak out. Because,

“Your silence will not protect you.”-
Audre Lorde.

If silence will not protect you , communication will.

Yes, communication can sometimes be hard to have and to keep, even for those who have been together in a relationship for long.

If you’re finding it hard to communicate effectively with your partner , you can start to make it easy for you by adopting the approach below;.

1. When you have something to say , process it first before you say it. Choose your words carefully,.

2. Before you say it, find the right time and the right place to say it,

3. Express your thoughts and feelings calmly. Never shout at your partner. Shouting at your partner when you disagree with them puts them on the defensive. Then they stop listening,

4. When your partner refuses to listen, you lose the chance to have a meaningful conversation that would restore peace, strengthen the bond of love and define clear boundaries.


Love grows in an environment of mutual respect for boundaries of partners. Mutual respect for boundaries is a sign of commitment to the happiness of one another.

And happiness, is the reason for having a relationship.


https://ayipost.com/blog/f/which-is-better-comfortable-silence-or-healthy-communication

Why UNICAL and UNIUYO?

FreeStuffsNG:
It's like asking how someone who failed JAMB woefully with 140 in JAMB is today a graduate of UNICAL, UNIUYO and other glorified Secondary schools in Nigeria. Smh

The admission process is lax and NUC is letting this nonsense go on unchecked!

Why is Nigeria bad?

The question above was asked on Quora.

Before you share your thoughts, below is what an Israeli says about Nigeria and Nigerians;


"I'm an Israeli that worked on an agricultural project on Plateau State, Nigeria for 5 years. I want to tell you that Nigerians are the friendlies, most hospitable people I've ever known.

They are let down by their corrupt leaders who are not content with stealing millions but need billions.

The average Nigerian is poor and has to be self sufficient to survive. There is no Government help. School fees, hospital fees all have to be paid for. The rich get richer and the poor get poorer.

Religion is another way of controlling the population. Nigerians are very religious. They are very naïve and believe everything their told in the name of religion.

The best way forward for Nigerians is to empower their women who are the real power in Nigeria. Let the women have power over their bodies and their lives and you'll see that Nigeria will progress.

Liberate Nigeria from their primitve religious beliefs and patriarchal society and Nigeria will prosper."

***

Your turn,

Why is Nigeria bad?

What's the primary job of every entrepreneur? Take profitable risks, do everything legitimate to at least preserve capital when profit can't be made.



This job wouldn't be done when a business survives the volatile early stage, breaks even, enjoys profitability for few years and then goes bankrupt as a result of venturing into risky ventures. The going concern concept would be defeated.



So, what long term business survival options do some entrepreneurs pick to preserve their assets when they go into volatile ventures? One of them is the Special Purpose Vehicle (SPV) also known as Spechial Vehicle Entity (SPE).



A special purpose vehicle or special purpose entity is defined as a subsidiary created by a parent company for a special purpose.



The special purpose most often, is to isolate a parent company from financial risk by providing securitization of assets



The above is made possible by the fact that SPV has Its legal status as a separate company. This status makes its obligations to secure its assets in the eventuality of the parent company going bankrupt possible. This is why SPV is sometimes called a bankruptcy-remote entity.



As a subsidiary with a legal entity status, a SPV has its own distinct balance sheet ( a picture of its assets, liabilities and capital) that's often off the balance sheet of the parent company. This is where investors have a problem with SPV, as it could be exploited to hide losses

However, some businesses create SPV for one purpose, to aecuritize debt and give investors the assurance of repayment. And not always to commit financial fraud

https://ayietimfinance..com/2023/01/special-purpose-vehicle-spv-isnt-always.html?m=1

Currency redesign by the Central Bank of Nigeria and its complementary withdrawal limits have come to stay.

The recent news from the Central Bank of Nigeria (CBN) is an indication of the near irreversibility of the policy implementation. The news claimed that volume of currency in circulation, not in vaults of banks has dropped by at least 5 percent in just one month.

So withdrawal limits are going to be enforced to the letter but Nigerians may not have the luxury of time (Senate is urging CBN to set June 30, 2023 as the new deadline).

In the event of no deadline extension beyond January 31st, 2023, how're Nigerians going to make urgent purchases above weekly withdrawal limits? Or even make long term arrangements?

Financial transactions are often done on two bases, cash and credit. In many economies, where individuals take their creditworthiness serious, most financial transactions are done on credit basis. In Nigeria, it's mostly on cash basis and soon, this is no longer going to be possible for transactions that involve a lot of money.

Payments for large purchases would be made mostly either through the online banking channel or on installmental basis (this is where trust or positive goodwill would be a major consideration)..

The installmental payment arrangement would force many Nigerians to pay serious attention to their creditworthiness. The time to start doing that is now.

Nigerians have to begin to build their capacity to meet current maturing liabilities (pay what's due as at when it's due). To build this capacity successfully, Nigerians would have to learn to make budgets and stick to them.l (time for strict fiscal discipline).

Budgets should include amounts and time to pay all outstanding current liabilities. When you think other distractions may cause you to forget, give your banker standing orders to effect payments to your creditors when they fall due. Failure to pay what is owed at agreed time would not improve credit worthiness.

Don't buy on credit and make an arrangement to pay installmentally in anticipation of a cash inflow that is not regular. Credit purchases and commitments to pay should be tied to only regular income.

When you fail to pay up when payment is due, it affects the business of a creditor negatively. The creditor may no longer have the fund to restock and continue in business.

And when the creditor is forced to go out of business because of indebtedness, the world would get to know about how seriously unworthy of credit some people are (bad character, bad publicity). Make sure your name is never on that list.


https://ayietimfinance..com/2023/01/naira-redesign-withdrawal-limits-and.html?m=1)

Reinaldo:
For far too long, Nigerians have been led by leaders who know nothing about leadership. This has to change

What, in your opinion, should Nigerians look out for?

It's January 2023, and leading presidential candidates are intensifying their campaigns to win the keys to Aso Rock. As their campaign trains traverse every nook and cranny of Nigeria, these candidates are cracking Nigerians up with their gaffes.

Gaffe is defined is an unintentional act or remark causing embarrassment to its originator. It's a blunder.

In politics, a gaffe is considered a public statement blunder which a politician believes it's true. A gaffe could affect the acceptability of a politician.

Even if it's doubtful it couldn't the fortunes of politicians in Nigeria, shouldn't Nigerians be concerned about numerous gaffes made by leading presidential candidates?

They should because the consistency with which these politicians commit gaffes shows a lack of mindfulness.

Research reports claim that lack of focus, communication breakdowns strained relationships, mistakes, prejudice, lack of productivity and burnout are some negative consequences of mindlessness.

These negative consequences are serious and should have anyone who desires quality leadership at the national level in Nigeria worried. Or shouldn't they?

https://ayietimpost..com/2023/01/nigerian-politicians-and-gaffes-are.html?m=1)

Obaaderemi2:
See you. You have to consider yourself first. You are with a woman who broke your heart and trampled on your love and you want to stay because of children who will survive if you die of heartache?

Self first? Okay, that would be convenient until you're old and need the emotional support and time of your children.

Ruling out the likelihood of death, I think some couples are always in a big hurry to take the divorce path without first exhausting elastic limits of a combination of understanding, patience, love and empathy

Before you reach the point of no return on your decision to seek a divorce, consider your children.

Your children may never forgive you for the rest of your life.

The roots of their concealed hatred for you, would be the deprivation of true love, real happiness, reliable security and blood bond relationship that only the togetherness of biological parents create.

Most Nigerians don't trust politicians.

Their reasons range from politicians refusal to keep promises, their proclivity for personal aggrandizement, and their aversion to the service of those they're supposed to served.

Are these reasons justified? Yes, they are, based on facts on the ground.

Now, Nigerians are face-to-face with politicians.who have promised to bow the sky and give the electorate paradise...but most Nigerian electorate don't believe politicians any more.

At the crossroads, electorate are in a dilemma, between picking the best out of the worst, and settling for the worst. This dilemma is worsened by the fact that leadership doesn't tolerate a vacuum.

So, who should they pick?

Honchoslim16:
Thanks!

I don't just see a reason why Nigerians are at loggerheads because one doesn't believe in his neighbours God

Neither do I

Wilgrea7:
That's one way to put it... Although I'd say they ascribed gods to things they deemed “supernatural".. things like lightning for example

I agree.

KnownUnknown:
What is a “supernatural influence”?

Is power not used to influence others to behave the way the powerholder (omnipotent) want? Therefore, it follows that a supernatural power would wield a supernatural influence.

Honchoslim16:
God is a title for the Supreme Diety that you believe in.

I believe in Eledumare

Beautiful..

Wilgrea7:
God is not a person.. or being.. it's a title given to beings that claim to have some sort of supernatural power or influence over certain aspects of the natural world.

And there have literally been thousands of such claims since the beginning of human civilization

So people right from the beginning of time, have alqays created God according to the supernatural influence they inherit, feel and perceive?

Iyasaburi:
Mysterious, yet, well understood by the seeker.

The seekers are not generous with their findings. Note, not in words but in actions.

budaatum:
"Who" implies God is a person. But I do wonder.

What Is God?

Okay. Do you have a clue of what God is?

And why does it matter to know who God is?

It matters a lot. Those who don't know who God is are confused. Why?

Everyday, they see people who claim to know who God is, do things that make others ask, "Do these people really know God?"

They also see those who claim to be in a relationship with God exploit their relationships with humans for selfish gains. Selfish gains that fattens the flesh and deaden the spirit.

Why should those who claim to know God prioritize the growth of the flesh that withers everyday, as it matches towards death?

Why do "God's people" hurt fellow humans? And the same people will be quick to tell you that God is a Spirit being whom no one can see.

They will go further to tell you that all humans are created in the image of God. If this were true, then everyone's priority in life should be to treat fellow humans with love without discrimination and realize that what's good for one is good for all.

This should be the number one duty, especially for those who claim to know God. Unfortunately, they are negligent. In their negligence, they're not by their actions, teaching others who God is. Maybe, they don't who God is.

So who is God?



My husband and I have been married for over 20 years, but he keeps staring at ladies every time we go out together.

And you are afraid he does worse when you are not there with him, right?

This attitude is natural and it may mean nothing, because if it did mean anything, you would have lost him long ago to another woman.

Staring at other ladies without minding the fact that you are there with him is just him being real and having a clear conscience. He always come back to you, I mean after ogling those ladies in your presence and absence, he always come home to you.

He doesn’t come home to compare you to them, does he? And he hasn’t ever hinted at leaving you for another woman, has he ever?

What if he was a dishonest man that would pretend to keep all his on focus you but when you are out of sight, he hook up with one of the ladies and have a serious affair that would threaten your relationship with him? Would you know about it quickly enough to prepare your heart for the worst before it’s too late? It’s unlikely that you would.

I think your husband is a honest man, faithful and committed to the relationship for a life time. Your heart is his home. His kind is rare.

You shouldn’t be worried about him hurting you. You should rather be worried that your fear could cause you to do something that might harm you, your man and the relationshop.

Read this;

Esther was married and enjoying her marriage to Paul in peace for 15 years before something happened. They had two beautiful children.

Esther worked in the hospital. She worked Monday to Friday and was always home before 5.p.m. to prepare dinner. She was used to Paul coming home from work before dinner.

Read full story at:

https:///3qqgOmj

Softmirror:
THIS ONE IS NOT BENEFITTING

Agreed!

MacOscar:
We must strengthen our institutions first.
Draw up a people-oriented Consti7tution.

.You're right. The proportional electoral system should be an integral part of a people oriented constitution.

We need to change thIs winner-takes-all electoral system. It's making enemies of friends, tearing families and tribes apart, dividing us in several other ways and uniting us only when we divide ourselves into camps to fight among ourselves.

The system is not fostering a sense of oneness. Wouldn't the proportional representation be better? In my opinion, it would.

If it's used to share seats among political parties according to vote share and to also share appointments, everyone who identifies with a political party would feel represented.

The plurality system we are practicing at present, is causing so much disunity among us. Those who don't win go home with nothing and take the back seat reserved for the marginalized.

No one likes to be marginalized and no one likes to be ignored. Everyone seeks recognition and acceptance, unfortunately the present electoral system recognizes not ALL except FEW.

So people have to fight dirty to be on the list that can take only a FEW.

Cc: Mynd44 can this make front page please?

We need to change thIs winner-takes-all electoral system. It's making enemies of friends, tearing families and tribes apart, dividing us in several other ways and uniting us only when we divide ourselves into camps to fight among ourselves.

The system is not fostering a sense of oneness. Wouldn't the proportional representation be better? In my opinion, it would.

If it's used to share seats among political parties according to vote share and to also share appointments, everyone who identifies with a political party would feel represented.

The plurality system we are practicing at present, is causing so much disunity among us. Those who don't win go home with nothing and take the back seat reserved for the marginalized.

No one likes to be marginalized and no one likes to be ignored. Everyone seeks recognition and acceptance, unfortunately the present electoral system recognizes not ALL except FEW.

So people have to fight dirty to be on the list that can take only a FEW.

tensazangetsu20:
While you are passionate and earning peanuts. Your mates in computer science are earning 10k USD a month for internship

Aside computer engineering and to some extent electrical engineering I won't advise my enemy to study anything engineering related. It's not lucrative again

Which professionals would build for us, houses to live in. Construct roads and bridges to travel on, build electric cars, build engines and other stuff which only engineers can build?

Governments are still awarding contracts for capital projects. Top on the list of those projects are contracts for building of roads and low cost houses. Someone has to build these things

Passion gives birth to creativity and creativity makes the way and puts one ahead of the game. You can add high net worth connections to creativity.