₦airaland Forum

chenzen:
ur reward is in heaven.

If I stone you with eba

We that are singu nko?

ubunja:
just swap digits for God's sake!!!!!!!

Lmao

If you're Yoruba, you probably muttered "ewo niranu" under your breath

BrainSanitizer:
Well...
I don't use the internet. Let me park here to read comments by those who do.

Wow finally someone from the same planet as me. Greetings fellow alien.

drdrei09:
Thank you very much
I've been able to get how to calculate the thing
For instance, if you're investing 2M for 360 days, that will be 360/365 × 12.30/100 × 2000000


(tenor/number of days in the year) × (discount rate/100) × amount

Nice of you

Category A: People like RealityShot are disciplinarians and feel that any bit of effort is attractive. He feels people should take some time and read back and then come with more specific and sensible questions.

Category B: And then people like globalresource really don't care, as they're always ready to respond to any kind of queries.

Category C: Finally, folks like forlahkhe feel they are entitled to answers regardless of the kind of questions they ask. He/she probably feels the man who asks a question is a fool for a minute, and he who doesn't is a fool for life and so anyone that comes in the way of their questions being answered will be taunted.



Everyone will be okay.

No one should ask me about my category.

Condomuser
Your moniker is weird for someone in this section, how far? plate number what? You're really going eat alone abi?

GrabHisBalls:
This was actually premeditated by those of us who are ardent Hollywood fans. Invictus's action is what criminals do when grabbed by the balls by FBI.

What's your obsession with balls?

Raydos:
Some people will just be Fine and fresh anyhow!

Why am I so different?? Is it not the same God that created us? Why am I so ugly?

Ugliness don finish my career!!

Lol dude stop it.

Just like abs hide under stomach fat, your cuteness is just waiting for when you blow.

Blackivy27:
Lol. What were you doing all those while?

Hehe 100l was cool. 200l and 300l were for video games
Then an angel appeared to me.
The angel made sure I didn't have rest of mind playing those games onward

Blackivy27:
I'll make you proud. Lolzz.

I got in school as a teenager too and then I forgot the reason I was in school until 300l

Blackivy27:
Want to enter.

Lol enter quickly and face your book oh

Lmao negative feedback never tastes like honey, it's more of a mix of alomo bitters with bitter Kola.

Blackivy27:
Lolzz, i still am. I had only one bf most we did was one kiss

Aww you're very young. In uni yet?

Blackivy27:
I am, but 5yrs ago i thought god opened womens navel and put a baby inside. Now i know otherwise.

Oh that's great then

Well I can deduce that 5 years ago, you were a teenager

You've probably had a bf or some, and done other things apart from penetrative sex

Blackivy27:
Freedom from housechores.
innocence.
love for all humanity.
dreams of fairytale romance.
innocence

So you're no longer a virgin

Flier:
Join United’s bandwagon

Nah mate, I'm good

Flier:
Its frustrating

Well I'm a neutral

Flier:
You guys are watching Traore

Dude's so pepped up.

Duke83:
Got contact from a CO today, asked for further proof of employment in particular income in the form of payslips, bank statements, tax certificates, award certificates or anything that will proof employment. The problem is that in the service year the 9,000 came from NYSCC and 14000 from the hospital management board but on my reference letter we called a bulk sum that includes both payments. The bank statements are from unity bank and bank phb. Will that be enough?
Timeline EOI 05/18
ITA 11/08/18
Lodged 26/09/18
CO contact: 03/19.

Hello bro, what's going on?

What were the initial docs you submitted for proof of employment?

This one doesn't know what's going on Haq Haq Haq

For those of use who are trying to bulk up and shred, it's not a straightforward journey.

I've started carb cycling on top of my intermittent fasting.

On lifting days, I take more carbs pre-workout, do a 30 mins cardio as well as other weighted exercises. I also take about 50g of protein powder post workout.

My last routine:

FitNotes Workout - Saturday 17th August 2019

** Stationary Bike **
- 5.45 mi - 30:00

** Flat Barbell Bench Press **
- 30.0 lbs x 100 reps

** Leg Extension Machine **
- 100.0 lbs x 50 reps

** Leg Raise **
- 160 reps

** Decline Bench Twist **
- 90 reps
- 5.0 lbs x 60 reps

** Shoulder Press **
- 85.0 lbs x 50 reps

** Abs Pulldown **
- 115.0 lbs x 160 reps

** Barbell Squat **
- 10.0 lbs x 100 reps

** Barbell Curl **
- 60 reps


On non lifting days, I stick to mainly protein meals.

I try to do abs exercises everyday.

I eat within an 8hr window. Brunch at 11.30am, dinner at 7.30pm

Bamz:
In case anyone needs PTE exam voucher. I have one for sale at 46k. I have also have a gold mock test kit for sale at 10k5.

Mock test kit sold.

Bamz:
In case anyone needs PTE exam voucher. I have one for sale at 46k. I have also have a gold mock test kit for sale at 10k5.

Mock test kit sold.

alezzy13:
If you don't have any immediate use for the money then 365 is the best as it usually offers the highest rate (as at the time of investing)

There is no risk

there's minimal risk

In case anyone needs PTE exam voucher. I have one for sale at 46k. I have also have a gold mock test kit for sale at 10k5.

In case anyone needs PTE exam voucher. I have one for sale at 46k. I have also have a gold mock test kit for sale at 10k5.

koonbey:
This right here is the crucial problem.

Even the federal government couldn't hold farmers accountable with the BOA loans they gave out recently.

It looks promising, but I'll personally sit it out a while and see how it pans out.

Oh thanks for your input. The terms of sponsorship just seemed to absolve the company from any eventualities. Lol. Another one is Farm Republic and they'll be starting up soon.

I actually have someone to get me farm produce if I was serious about that kind of thing but transportation seems like where all the risks lie.

Acidosis:
Bro, these options are everywhere o (I just mentioned two). I usually don't recommend because I don't want to be held accountable for any glitch (our choices should be based on our risk appetites).

Nevertheless, you can look up the two previously mentioned options. I'm also an ardent fan of credible fintechs, especially Agric fintechs like Farmcrowdy (now Crowdyvest), and financial tech firms offering fixed deposit investments. An example is Paylater (now Carbon). Carbon offers fixed deposit for very short tenors like 3 days, 7 days, 14 days, 1 month.

Personally, if I have access to a big loan with a flexible repayment term, I will look the way of Farmcrowdy reason being that their interest rates are not annualised like TBills or Fixed deposit. 15% is 15% whether it is 3 months, 6 months or more [no tax, no deductions; same model with Pork Money, however, tenor is fixed 11 months]

You can check the website or download Farmcrowdy App on playstore. You can also follow these guys on Facebook, read more about them and make your decision.

Insightful response as always. People fancy tbills mainly cos of capital preservation, and I'm sure if there is any offering to similar to it with a mild risk, people would diversify.

Digital farming is a thing now but the terms of sponsorship on Farmcrowdy was just a bit scary. They just match farmers to sponsors but I'm not sure of how well they hold the farmers accountable. I love the business model. Have you sponsored any farms successfully?

Diversification is the key in investment as long as you know the right places to invest.

Alwaysking:
This teni sha, looking like bag of beans.

If you must diss, do it well.
Expensive bag of beans you meant.

Acidosis:
The only issue is that when you buy a land from companies like ADRON, you're not allowed to sell at your own rate. The company do the valuation, and take a certain percentage of the proceeds. Also, note that with companies like ADRON, a land purchased for residential purpose cannot be used for commercial or investment purposes. When you buy for the purpose of investment or commercial, you pay more. These are some of the well spelt clauses on ADRON's Contract of Sales (I have a copy btw). ADRON has been advertising some of their estates for close to 5 years now, so are you gonna wait until they go out of sale? You can't sell higher than their readily available offers.

Some of the benefits include ease of payment/installments (sometimes up to 5 years). However, this also comes with extra sum. That is, when you choose e.g. a 5-year package, you pay significantly higher than the actual value of the land. To sell this kind of land to a new owner might not produce expected profits especially when the coy has several or other similar plots to sell at cheaper rates with installment privileges.

You can compare these terms with other property and real estate companies. I'm sure you will do the proper and due diligence because reputation is a key issue.

I'm not advertising though but you can check LandLagos (they're new, owners of Pork Money), they've got some of the best and interesting deals I've ever seen. My engagement with one of their subsidiary enterprise showed positive and legitimate results.

There are many ways of producing some profits from that loan by investing in some emerging, disruptive and innovative firms in Nigeria, only issue is many of us don't want to hear anything aside TBills and Bonds.

Thank you so much for your comprehensive response.
From the foregoing, it is clear that real estate coys would do all they can to discourage you from reselling then. This leaves one with the tacky option of getting a land from private sellers and doing all the necessary things to secure the land.

There are many ways of producing some profits from that loan by investing in some emerging, disruptive and innovative firms in Nigeria, only issue is many of us don't want to hear anything aside TBills and Bonds.

I'm interested in knowing more about the above for people that may have access to loans.

TotoNaRubber:
Ahaaaaa
What if you buy a land in dispute and give the scammers the whole N1.5 million and become Aaron

In Nigeria, you have to look at the risks first before profits.

If you've been following the land discussion closely, I talked about dealing with reputable real estate companies.

A company like Adron would get a joint CofO. Maybe you should clarify your statements cos I'm confused.

Acidosis:
Very true bro

Who's had experience with real estate companies like Adron?

Are there other reputable coys like them?

My colleague just opened my eyes to sth I thought I should have known. Getting a loan to buy a land for long term keeps and resale makes so much sense. Let's say a Microfinance firm gives you 1.5m (to pay 300k interest). That 1.5m can be used to get land assets that would take care of the paid interest and still yield some profit in a few years.

The only risk I'm seeing is maybe lack of buyers but this isn't a risk per see esp if one consults planners to estimate tu e potential of a particular area.

I need opinions here.