₦airaland Forum

Ibime:
How much did debt grow under Trump

Republicans only remember debt when they're out of Govt

Tell us. Exclude the COVID-19 debt surge from onset of the lockdowns.

Ibime:
Chinese used 800mg of Chloroquine twice a day

Hydroxy allowed them to drop it to 400mg per dose

It's easy to drop Chloroquine in a petridish, it's harder to get it into cells at an appropriate dose to have any effect, hence the high dose, and hence the difference between in-vitro and in-vivo efficacy. The high dose needed for Covid can lead to myrocarditis and vision problems.

The Chinese dosage worked, so you stocked up.
Progress.
Just admit that HCL works stop being academic

Ibime:
This is treatment in cell culture (in vitro) not in the body. Soap or bleach would produce the same result.

Also learn the difference between a publication and a clinical trial

Here's another publication of In vivo tests published on same NIH

https://pubmed.ncbi.nlm.nih.gov/34887938/

I laugh. NIH will never approve any drug, their tests with HCL used overdoses in critically ill read organ failed patients.
They concluded HCL is useless.

Ibime:
Getting a clinical trial results passed has nothing to do with media. Health ministries and WHO are the ones who approve the results and even commission them including IVM. Opposite my Office, I have the best Clinical Trial centre for cancer in Europe. I am fairly familiar with the workings of a clinical trial.

This from NIH Dr Faucci outfit. Whatever happened after this.

https://pubmed.ncbi.nlm.nih.gov/16115318/

Ibime:
In vitro efficacy is different from in vivo. Chloro also inhibits growth in vitro. Doesn't mean it works in vivo. Clinical Trial is what will tell. I bought Chloro off in vitro studies.

That article has results of real life studies. Randomn Controlled Tests.
Very many of them that vax pushers via media do not report at all.

gambojimeta:
i isa get ya still thoughs. ifi ya isa nat gets self respects andi disciplines likey ah Indecency watcher or ah gambla, betta ta stick ta ya debit /atm card andi avoid credit card. credit card ah fa da smart peoples who isa understandi the systems andi use to deir advantage,

justi asi oda tins ina lifes, da foolish peoples isa pays fa the benefits ofu da smart peoples. whichi side you isa wants ta be? kikikikikikiki

Use your regular handle.

gambojimeta:
Ya Isa start witi zero punds

Ya isa save 200 punds monthly Ina ya bank.
200£ x 12 Isa gives : 2400£

Days ones: Ya Isa pay ya air tickets witi ya credit card fa 2400£ nat ya debit/ATM cards

Stills Days ones: Dependings onu ya cards issuerers, Ya Isa get maybes 5 percent ah cash back immediatlies 120£. Ya Isa get free insurances becos ya Isa pay witi ya credits cards, ya Isa get insurances ifi airlines ah cancels flights, ya Isa geti flyer miles rewards Dems e.t.c

Days twos: Ya Isa pays back ya credit cards Fram ya banks ATM/debits cards. Ya Isa nat needs waits fa da 21 days ah graces periods. Ya Isa get zeros dent omu credit card

Interests Onu credit cards: 0£
Ya isa gains : 120£ witi oda juicy benefits. Ya Isa smart

Apparently you cannot see how much they want you to use credit cards because they have gazillions of examples that one day You will default.
And your downward spiral will begin that day if you are not careful.
All those fringe benefits can as well be provided if you use debit cards.
Try maintaining a healthy bank account balance and see how lenders will fall over to advance you all sorts of favours.

Ibime:
Point is I have always accepted that inhibitors (IVM and HCL) may have early intervention uses in all our discussions. The drug action is stopping viral replication rather than killing the virus. However they do not work on patients who are already sick and have failed clinical trials badly for that reason. Anecdotal evidence from Doctors won't change that, neither is it a replacement for vaccine which has passed clinical trials. If we did not have vaccine, I may have bothered to go buy IVM if it's better than chloroquine as an inhibitor. Man must always increase his odds.

There is no drug that works to clear out the virus once its already done damage to body organs especially the lungs. The drugs being granted FDA approval are less effective. Every drug would be administered as soon as possible.

This was earlier on, the media went tongs and hammer on IVM as they did to HCL that you stock to the brim.

https://www.monash.edu/discovery-institute/news-and-events/news/2020-articles/Lab-experiments-show-anti-parasitic-drug-Ivermectin-eliminates-SARS-CoV-2-in-cells-in-48-hours


The Monash Biomedicine Discovery Institute’s Dr Kylie Wagstaff, who led the study, said the scientists showed that the drug, Ivermectin, stopped the SARS-CoV-2 virus growing in cell culture within 48 hours.

“We found that even a single dose could essentially remove all viral RNA by 48 hours and that even at 24 hours there was a really significant reduction in it,” Dr Wagstaff said



In his testimony to the senate found here
https://www.hsgac.senate.gov/imo/media/doc/Testimony-Kory-2020-12-08.pdf
Dr Kory quoted numerous studies a
that showed IVM was very effective. But he was ignored .

Moderna boss says Delta and Omicron might merge to create a super variant.
UK took a whole month to discover omicron death.

Ibime:
Basilico, you have never been listening

What was your point. There are doctors who testify that Ivermectin severely reduced mortality and hospitalizations.
What did they do.? They banned doctors from prescribing and pharmacists from dispensing it. They can as well block the postal service from delivering IVM, if they have not done so already.
Now Merck has a drug with a lower efficiency than ivm, and HCL yet it passes FDA approval.NYT had an artcle yesterday saying that these new drugs can cause genetic mutations and infertility.

Its about money for the drug manufacturer And a method to micromamage for the bureaucracy.

gambojimeta:
Naijeriyans ah smarts peoples who ah understands da systems. Naijeriyans ah eat da benefits Buti demu Isa nat pays interestsis. Dere moneys Isa works fa dems kikikikiki


In Theory, Avoiding Interest Is Simple
Generally, you can avoid credit card interest by paying your balance in full every month before the end of the grace period. Grace periods are at least 21 days.

Why not manage your expenditures visavis income. Do you have to use credit cards ?
Look at someone in UK. You are.broke right now its December after clearing the bills for November.Book a flight, come.to Nigeria, live like a king in Lagos with a few friends, go back to UK after a week. Total debt $2000 .
You start January with a $2000 debt after having lived 12 months earlier paying credit card debt monthly.
Someone else had planned ahead and saved $200 every month for the Dec holidays.

See the difference. In other words credit card assures you money Does not encourage savings at all. Live from hand to mouth sort of boasting about exotic holidays.
Savings in bank . Zero.

benalvino3:
Trump derangement syndrome



see the bold

Trump spoilt the market!!
This is shocking. Do people go to college to pass exams and not learn critical thinking?

gambojimeta:
Ya ah still nat getting its kikikikiki

Ya kan decides ta pay witi ya debits cards (ya ATM card) andi kan ah alsos pay witi ya credit card.

Ya pay witi ya ATM cards = 0 bonuses/points
Ya pay witi ya CRedit = flenty bonuses plus ya pay zero interesti ifi ya move da money Fram ya bank akkant (ATM) ta ya credit card

Simpli asi ABC . Ya Isa need ah exposures

The trick is spend less than you earn.
Avoid debt traps. Reliance on credit cards is onr sure way to fall into a debt trap.

benalvino3:
he did oh. he only become anti Chloroquine after trump "opened his mouth" his words here. TDS they worry am

@Ibime. Redeem yourself. You seem to have deeply personal physcho issues

benalvino3:
Leave him, he does not have a mind of his own. na poor man

He actually stocked up on chloroquine Yet shoots his mourh like there is no tomorrow.

benalvino3:
Wait for it, Ibime will come with part two of "Look at me, I am rich, I am rich"

the hypocrite is probable under his bed taking his daily doses of Chloroquine and Ivermectin before he steps out of his door.
Guy glorified Chloroquine till trump "Opened his Mouth"

I didn't remember about the chloroquine part.
He been critical of ivm and hcl.

Ibime:
You are one of the thieves spoiling Nigeria, simple. You have no right to speak on how another sane society is supposed to be run when you are spoiling your own society. Prideoflincoln was always right when he told you to fix your own environment cos you are one of the thieves spoiling it.

Ok. iIf you work FG , you can only side hustle by doing tenders with the FG?

Im wondering where do you cone from? You only mix with losers?

gambojimeta:
Apprentice donkey basilicos, nat efery ones ah steals moneys. reads andi learns so ya isa nat goan emmbarrassments ya wife andi ya childrens ooutsides ya homes when ya isa fisit da cities or ifu ya isa achiefe ya longlifes dreams ofu lifings ina amelika kikikikiki:

1. One-Time Bonuses
There's nothing like an initial bonus opportunity when getting a new credit card. Often times, applicants with good credit or excellent credit can get approved for credit cards that offer bonuses worth $150 or more (sometimes much more) in exchange for spending a certain amount (anywhere from $500 to several thousands of dollars) in the first several months the account is open.

Other cards entice applicants with bonus reward points or miles that can be redeemed for travel, gifts cards, merchandise, statement credits, or checks (more on those below). In contrast, a standard debit card that comes with a bank checking account generally offers no initial bonus or ongoing opportunity to earn rewards.


2. Cash Back
The cash-back credit card was first popularized in the United States by Discover, and the idea was simple: Use the card and get 1% of your purchases rebated in the form of cash back. Today, the concept has grown and matured. Now, some cards now offer 2%, 3% or even as much as 6% cash back on selected purchases, though such lucrative offers involve quarterly or annual spending caps.1 The best cash-back cards are those that charge minimal fees and interest, while offering a high rewards rate.


3. Rewards Points
Credit cards are set up to allow cardholders to earn one or more points per dollar in spending. Many reward credit cards provide bonus points for certain categories of spending like restaurants, groceries or gasoline. When certain earnings thresholds are reached, points can be redeemed for travel, gift cards from retailers and restaurants, or for merchandise items through the credit card company's online rewards portal.

Your credit card rewards options are almost endless. Get a co-branded card offered in partnership with a hotel chain, clothing retailer or even a nonprofit organization like AARP, and you can leverage your everyday spending to earn valuable rewards day in and day out. The trick is to find the card that best fits with your spending patterns. Doing the inverse—altering your spending patterns to fit with a particular card—can be counterproductive. But if you're already spending money on a regular basis with a certain retailer or have an affinity for a certain hotel, why not use the card that will encourage your continued patronage by offering you enhanced rewards, discounts and perks?

4. Frequent-Flyer Miles
This perk predates almost all the rest. Back in the early 1980s, American Airlines began offering their consumers a novel way to earn frequent-flyer miles even when they weren't flying, by forming a partnership with credit card giant, Citibank.45 Now, all domestic and international airlines have at least one credit card offered, in a similar partnership, by major credit card issuers.

Cardholders generally earn miles at a rate of one mile per dollar in net purchases, or sometimes one mile per two dollars spent for lower-end cards that have no annual fee. How valuable this reward actually is, depends on the type of airline ticket you purchase with your points or miles. Many frequent flyer cards are made immensely more valuable by their mileage-based introductory bonuses. These are often enough to put you 50–100% of the way toward an award flight after meeting the card's initial spending requirement.

5. Safety
Paying with a credit card makes it easier to avoid losses from fraud. When your debit card is used by a thief, the money is missing from your account instantly. Legitimate expenses for which you've scheduled online payments or mailed checks may bounce, triggering insufficient funds fees and affecting your credit. Even if not your fault, these late or missed payments can lower your credit score.6 It can take time for fraudulent transactions to be reversed and money restored to your account while the bank investigates.

By contrast, when your credit card is used fraudulently, you aren't out any money—you just notify your credit card company of the fraud and don't pay for the transactions you didn't make while the credit card company resolves the matter.
Credit card companies can also help resolve refund issues when consumers are unable to resolve merchant disputes on their own.


6. Keeping Vendors Honest
Say you hire a tile setter to set some flooring in your entryway. Workers spend the weekend cutting, measuring, grouting, placing the spacers and tiles and letting the whole thing set. They then charge you $4,000 for their troubles.

You draw upon your savings account and write a check. But what do you do when, 72 hours later, the tile starts to shift and the grout still hasn't set? Your entryway is now a complete mess, and that vein in your forehead won't stop throbbing.

You can take up the issue with your state licensing board, but that process could take months and the contractor still has your money. That's why, if you can, you should pay for a big-ticket item like this with a credit card. The issuer has an incentive to discourage fraud among its vendors, and if there is a problem, they have a mechanism to try to resolve it. More important, if you dispute the charge, the card issuer withholds the funds from the tile setter, and not only will you get your money back, you might even get help finding a new contractor.10


7. Grace Period
When you make a debit card purchase, your money is gone right away. When you make a credit card purchase, your money remains in your checking account until you pay your credit card bill.

Hanging on to your funds for this extra time can be helpful in two ways. First, the time value of money, however infinitesimal, will save you money. Delaying eventual payment makes your purchase a tiny bit cheaper than it would be otherwise. Beyond that, by paying with a credit card versus your debit card, cash, or check, your cash will spend more time in your bank account. And if you pay your credit card from an interest-bearing checking account, you will earn money during the grace period. The extra cash will eventually add up to a meaningful amount.


8. Insurance
Most credit cards automatically come with a number of consumer protections that people don't even realize they have, such as rental car insurance (though often secondary to your personal auto insurance), travel insurance, and product warranties that may exceed the manufacturer's warranty.


9. Universal Acceptance
Certain purchases are difficult to make with a debit card. When you want to rent a car or stay in a hotel room, you'll almost certainly have an easier time if you have a credit card. Rental car companies and hotels want customers to pay with credit cards because it makes it easier to charge customers for any damage they cause to a room or a car. Another reason is that, unless you have prepaid for your rental or hotel stay, the merchant doesn't know the final amount of your transaction. The merchant, therefore, needs to block out a certain amount of your available credit line to protect themselves from potential charges they didn't anticipate.

So if you want to pay for one of these items with a debit card, the company may insist on putting a hold of several hundred dollars on your account. Also, when you're traveling in a foreign country, merchants won't always accept your debit card—even when it has a major bank logo on it.


10. Building Credit
If you have no credit or are trying to improve your credit score, using a credit card responsibly will help because credit card companies will report your payment activity to the credit bureaus. However, debit card use doesn't appear anywhere on your credit report, so it can't help you build or improve your credit. Even if you need to deposit some funds to get a secured credit card, this can help you build your credit history and eventually qualify for unsecured cards or larger loans.

https://www.investopedia.com/articles/pf/10/credit-card-debit-card.asp

If you ever had a healthy bank account, you would know what I mean. Your bank is constantly offering you all sweet deals
Idiots have no cash in the bank, they always have credit cards , Literally spend all their earnings to clear credit card debts and qualify for better credit scores
Thats like living from hand to mouth.

Ibime:
Nobody came here to shout they are rich. Only to tell you that wretched Umudike Republicans should mind their own problems instead of carrying water for Klans and Nazis. We are not worried about what standards you live to. We are worried that you are thieving from Nigerian taxpayers and living at odds with your civil servant salary.

How you know if Ben is a civil servant?

Talk about running down the greatest protector of democracy,,, well before the left grabbed power. China does not give a hoot about Bidens America.


https://www.youtube.com/watch?v=qboGvP_xmbs

gambojimeta:
ya apprentice donkey isa fillage bwoy

peoples ah uses credity cards ta rake points, credits, cashbaks, andi many mores

ya pay wita ya credity cards, ya pays its backs before ah interests ah added, ya walk aways withi ya points, ya cashesback andi otha goodies bon bons

Dumb. People who save dont borrow from their credit cards to go on holidays.
Cash in bank accounts increasing steadily builds up your credit more than repaying in time.

Ladyhippolyta88:
https://www.news4jax.com/news/local/2021/12/14/3-residents-of-the-villages-accused-of-casting-multiple-votes-in-2020-election/

republiQans are guilty of what they accuse others of voter fraud ambassadors another set of republiQans caught again

Were they doing it as a party policy?
Or as local villagers helping out their own?

Jake Tapper. Asking how someone felt when a republican sat next to her mask less. Jake
Tspper is seated across her mask less.

Ibime:
Which cities do Republicans run? Name one.

It is well known round the world that Cities have more crime than rural areas no matter the political colouration of the City.

Run city make we see. City makes more money, city has more sex, more drugs, more crime, more infrastructure, more roads, more trains etc. There is nothing City does not have more than village except animals.

I quoted an article that supports your assertion that wealthier areas have more crimes.
Or are all those mentioned in the artcle not weatlhy?

Ibime:
Yeah right, they must be Uncle Scrooge. . . . don't forget the other excuse, which is that they run side business. Businesses whose source of income is contracts from the same civil service they award to themselves. No wonder they love Trump, they are used to magomago behaviour. People with no sense of civic duty should not discuss civic matters with civil people. It is better to accept poverty than indirectly admit to being a thief.

People who know how to save dont need credit cards to holiday make.

feedthenation:
---Everything is always witch-hunt---with so much evidence---


https://www.youtube.com/watch?v=lYLwhp1A9hY

Why is that guy not arrested , having been on FBI wanted list?

Paging Ibime. More wealth more crimes.



Twelve U.S. cities broke annual homicide records in 2021 — and all were led by Democrats.

Philadelphia topped the list, surpassing 500 murders as of Nov. 26 — breaking last year's numbers with a month left to go in the year. The last time there were this many people killed in the City of Brotherly Love was in 1990.

Rounding out the top five are Indianapolis with 246 killed, Columbus with 179, Louisville with 175, and Baton Rouge with 137.

Philadelphia, with a population of roughly 1.5 million, reached 521 homicides by Dec. 6, an increase of 13% from the previous year. By comparison, New York, with roughly 8 million residents, had 443 homicides as of Dec. 5.

Others in the dirty dozen were: Albuquerque (82 murdered), Tucson (80), Portland (72), Rochester (71), Toledo (62), Austin (60), and St. Paul (35).

Despite these cities seeing the sharpest rises in murder rates, Chicago still leads the nation in total homicides for the year, with 739 by the end of November.

An analysis published by ABC News suggests there's "no clear answer" to explain the cities' record-breaking murder totals, although the report fails to mention that all of the cities it lists are run by Democrats, who were disproportionately receptive to the Black Lives Matter defund-the-police movement pushed by progressives in 2020.

Ibime:
Why would it pain me. It's called accountability. We know civil servant salary. Even a Level 17 civil servant will struggle to claim they are eating N18k eba three times a day for ten days. Directors in civil service earn not much more than N7m annually. No wonder Umudike is in a mess with such fantastic corruption going on at all levels. Someone even beat his chest that he is not poor, that he was a customs officer. Can a customs officer not be poor without being a thief? Even their oga patapata will be wretched without stealing or doing magomago

People who are comfortable in life know how to save.

feedthenation:
---Evidence such as the powerpoint prepared by Mark Meadows about election fraud and foreign interference---

https://web.archive.org/web/20210716135230if_/https://www.ingersolllockwood.com/wp-content/uploads/2021/07/voter-fraud.pdf

This is a witch-hunt. Lots of reasons. Like why there are only democrats apart from 2 .
Why is this guy not being questioned about who paid him to incite the protesters.
https://www.revolver.news/2021/10/meet-ray-epps-the-fed-protected-provocateur-who-appears-to-have-led-the-very-first-1-6-attack-on-the-u-s-capitol/

chopnaira:
ya isa dullleest donkey ina thread..

ya isa legendarys ina simplifying rubbishes ofu complexses situationes

China ah producer price index, whichi ah measureings da costs's ofu goods sold ta da businesses isa risen by a records ofu 10.7 percent last month. isa China wokes toos?

isa australias, africas andi canada andi many kountries whicha experence inflations ah European NATOS membas?

olodos apprentice donkey wita vaxx balls

You are the dumb one. Budaa suggested a stupid reason , mine was more stoopid .
Dont take everything you read at face value.

Ibime:
When was the unvaccinated tracked? Mumu to analyse data, you need a control group. The comparison has always been outcomes in vaccinated vs unvaccinated, and that hasn't changed.




I've been holding chloroquine since Feb 2020 before Trump opened his mouth. I read that from SARS1 medical journals. I even have Artemis Annua, (the Madagascar drug), nebulisers, blood oximeters and stethoscopes at home. Nobody need reveal that, I've said it all along. I was proactive at the start of pandemic before we had data.





Mr civil servant, we will soon report you for fantastic corruption. No civil servant salary allows someone to be eating N18K garri regularly except the person is pilfering our commonwealth. All civil servant salaries are published, even Buhari

Hold there. You have been making fun of Hydroxychloroquine and Ivermectin.
Yet you stock it?
Hypocrite.

About N18000 meal. Why does it pain you so much to hear people back home are comfortable? Of course you assume everyone is poor, Ben's sister us poor based on her rent.

budaatum:
Biden inflates Germany?

My theory. Two possibilities.
Trump forced European NATO members to top up their donations to the body.
Climate Change: Cost of power goes up when a nation goes woke shutting down all if not all their cheap nuclear , gas and coal pwr plants

benalvino3:
I am just gonna avoid the jabbers before they get me infected


CDC Data, Global Sources Show Majority of Omicron Variant Cases Are Among Fully-Vaccinated

Chicago Bulls team postponed games for two weeks over covid outbreak. 10/15 tested positive.
Whole team is fully vaccinated