₦airaland Forum

logica: No. Not "us". Just Jew-men like you.

Wallie: My student loan is well over $100k with a payment of $1k per month at 5.6% interest and by the time I'm done paying, I would have paid about X2 of what I borrowed.

I actually consider myself very lucky as I went to a private undergrad university that cost about $40k per year for a 5-year program. When you add my law degree to that, the cost becomes a number so obscene that only people that went though it can understand. It is very common to have spent over $200k to get a law degree (undergrad + law school).

My only advice to people that are able to borrow money is to borrow just what they need and not a penny more. Also, be extremely cognizant of the earning potential of the field you want to go into and make sure it correlates with what you borrow.

Lastly, make sure your lifestyle matches where you are in life. If you're a student then live like a student and not a king! Some people will borrow every last penny they qualify for and use the money to supplement their lifestyle without fully appreciating the fact that they will have to pay back every single penny they borrowed!

toshmann: women have always been more promiscous than men. history did not get the true statistic bc wpmen are expert covert adulteresses. if a woman is determined to cheat, she will and no one will ever find out. those that are caught are those that are either amatuer or are fed up with marriage and are carefree about getting caught, or over confident ones.


Now that happened to me. Even after her marital status was exposed all she could say was I remind her of her man



Hmm, I STRONGLY believe there are still good girls available



Story . This na real cock and bull story
I for kukuma open brothel for am na! We must not loose this war on morality. Do what you like before marriage I don't care. Once married, close your damn legs. The sanctity of marriage MUST be preserved. I don't even need to catch my wife (if any) to divorce her. All I need is a suspicion of infidelity to end the union.

Now let me educate you about marriage, marriage depends on TLC. T-trust, L-Love, C-Compatibility.
L and C can go up and down. C is a life long process which is worked out daily. But T is sacrosanct. Once trust is betrayed it can never be rebuilt. If you live with a woman ( or man) that you don't trust, you are of all men, most miserable. So if you are at work, you're not sure whether she's hitting it with your gateman, your house help, your visiting younger brother , her boss at work. Your soul is not at peace. If she opens leg for you, you wonder who else has been there in the last 24hrs. You're not sure whether to wear condoms or not. She gets pregnant you start thinking of DNA? Haba! You will die young. You will die young. Get out of that union and find your rib.

I don't subscribe to the proposition that people will always cheat. I'm not being naive. I know the world is a moral mess, but I know there are still people o substance. Unfortunately, marriage is not so exciting anymore ( may be bc I'm in US) but I know once you get your own, that special one, it will work.

And adultery is not an issue of "I'm sorry, it was a mistake" hell no. Adultery is a well planned, well executed evil sweet phenomenon. Any woman who can do that, can kill. Any man who can do that, can abandon his family in times of stress.

I'll divorce her fast and apologize later. If all women are adulterers, then I remain where I am. I'm happy after all. I'll get one pregnant get a child and remain single. Afterall as I always say, for this my location, marriage don die finish

doubleDx: Nice work @General biolabee!...

toshmann: Lol
Is it like Nigerian pastor faking American accent or what?

babyosisi: Say it loud and clear sis
They live in Jos
Couldn't she go to Bukuru or Pankshin sef with the man
There is a place called Nassarawa toto,the next state over
She couldn't go there for the rendezvous

Mschtwwww

spoilt: Even married women with children need to de stress. She is foolish to bring him home. Rule number one never get caught! Stay sleek and keep the statistics of cheating women real low, LOL.you know It makes men happy when they quote their 60% to our 40%.

toshmann: Now this na one original runs babe wey know how far. Truth is, when it comes to matters of "banging" men can NEVER win women. Men only talk. Women hammer silently and even claim victim on top of am.

At the end of the day, who will marry all these Akwuna women? . . . . . . . . . It's still us

toshmann: Hallelujah someboriii

What does someboriii mean

coogar: you were humping another man's wife even after you were warned by a friend. you cannot escape punishment - wait till hungry alligators start pursuing you in your dreams...

toshmann: Faithful wives dey scarce. Even at that, majority of them go fall into the hands of promiscous men
But even when the faithful wives marry faithful husbands like my humble self( ) , other issues may jump out to scatter the joy of a marriage

Infidelity is not the only marriage destroyer

toshmann: Abomination no be small. Everytime I jam hard luck in life I remember her, but anyway I don overcome that feeling. She's doing good now with her husband and she's got great kids and a wonderful family. So whatever it was, baba nke bi n'igwe musta forgiven by now bc if heaven were to punish, na she, wey deliberately sleep with me, hiding the fact that he is married, na she heaven for punish first.

babyosisi: But jokes apart now
That husband in the story ought to go and carry out a DNA test for them kids
They may not be his
How brazen can a woman be to bring in the lover into her own home ?
That her husband is mild o
Some husbands would have committed double homicide

MacLovington: .

Jesus doesn't allow us to cast the stone BUT apart from that I have never committed adultry. I don't know what kind of married men you mix with. You need to start mixing with decent men.

Plenty of temptations yes. But was Jesus not tempted?

toshmann: Nooo, I didn't return to her again o

toshmann: Lol. But BabyO I gotta tell ya, I had a girlfriend back in the days in Naija who wanted me to father her first child. She was getting married and wanted me to father her first child.

I had another girl in Unical who was married and I didn't know. Someone told me she is married I thought he was joking, he said he attended her wedding. I brushed it aside bc the dude is a well known joker. Then one day I jokingly asked my girl why she didnt tell me she was married. You know, I expected to hear something like "what are you talking about?" But guess what I heard! "How did you find out?" And she was laughing. I was shocked beyond words. Then she said I looked exactly like her husband. It just feels like I'm him. Lol. Tosh nwa mama, I no know whether to slap am or to run go church for cleansing.
Guess what, she still invited me to come to her room and spend the night. This na babe wey nova reach 1yr of marriage. When marriage suppose still de sweet am.

Last December, 23andMe announced that it would be cutting prices for its genome scans. The 7-year-old company reduced the cost from $299 to $99, in the hopes of building a database of 1 million users by the end of 2013. (They’re one-quarter of the way there.) If that happens, how many of those clients will find themselves in the same dismaying situation as Jackie and her brother?
The study of false fatherhood, or nonpaternity, has turned up a wide variety of answers. University of Oklahoma anthropologist Kermyt Anderson says that measured rates of nonpaternity vary quite dramatically depending on the group of people being tested. Among those men who are quite confident of their status as biological fathers—the ones who volunteer their families for genetic studies of inheritance, for example—Anderson found a rate of nonpaternity of roughly 1.7 percent. At minimum, he says, 1 in 60 dads raises children that don't belong to him.


Anderson also went through data from companies that make their money testing for paternity. The men who send off DNA for these commercial tests presumably have cause to be suspicious. These men should have the highest incidence of nonpaternity, Anderson says. When he checked the research on this population, he found a median rate of close to 30 percent.

The true number across the U.S. population likely falls between these two extremes, but while it's often said that 10 percent of fathers are raising someone else's child, this interpolation isn't quite supported by the facts. The best summations of the data figure an overall prevalence of nonpaternity at more like 2 or 3 percent. One analysis from 2008 looked at several dozen studies going back to the 1890s and found an average rate of 3.1 percent, but also hinted that the numbers might be declining over time (possibly in concert with increasing contraceptive use).

Abali1: After what happened when dad died and how difficult it was to get his money in the bank up till this moment, I have decided I will never put any woman I marry through that stress.
Not necessarily Joint account, but she will have my ATM pin and free access to my account. (afterall there is a daily limit withdrawal)

ULSHERLAN: When there is an Entrance why use the Exit

logica: Yes o. Now all the neighborhood women with itchy vee-jays will come looking for the man. His stock has risen. Meanwhile no man will come looking for the woman.

joanana: sorry, its not possible.

[size=16pt]1 in 3 children in the U.S. live without their father as number of two-parent households falls by 1.2m in ten years[/size]

By James Nye


Fathers are fast disappearing from American homes and one in three children, or approximately 15 million live without one according to the U.S. Census.

The problem is especially pronounced in black families, where the figure increases to over half or around five million children.

In fact as the census recorded the fact that 160,000 new families with children were added, the number of two-parent households decreased by 1.2 million and nearly five million live without a mother.
Three census figures show that the number of one-parent families have increased and the number of two-parent families have decreased
These astonishing figures can be unfavorably compared with 1960, when just 11 percent of all American children lived in homes without fathers.

Blame for the prevalence of low income families where children fall into crime and drugs has been laid at the door of these damning numbers.

More...Demi wants Moore money! 'Divorce delay as Ashton Kutcher's ex seeks bigger split settlement'
No longer taboo, but divorce still damages children: Suffering goes on into adulthood and even old age

'People look at a child in need, in poverty or failing in school, and ask, ‘What can we do to help?’ said Vincent DiCaro, vice president of the National Fatherhood Initiative.

'But what we do is ask, ‘Why does that child need help in the first place?’ And the answer is often it’s because the child lacks a responsible and involved father.'
The red dots show areas where one parent families exist in their highest numbers - note the high concentration in the South

Graphics from the Washington Times show the percentage of children living with two parents has declined markedly in every state
The spiral continues each year to the point where married couples with children have an average income of $80,000, which is compared to $24,000 for single mothers.

'We have one class that thinks marriage and fatherhood is important, and another which doesn’t, and it’s causing that gap, income inequality, to get wider,' said Mr. DiCaro to The Washington Times.
Men walking away from babies is a problem concentrated to the inner cities, with Baltimore having only 38 percent of families that have two parents and St. Louis has 40 percent of families that have two children.

The primary indicator for the problem is income - 12 percent of black families who live below the poverty line boast two parents, while among poor Latino families that figure is 41 percent and 32 percent among white families.

In all but 11 states, most black children do not live with both their parents while across every state, seven out of ten white children do.

'Something has to be done about it, and it starts with the culture and reversing the attitude that marriage is not important. The president has a role to play in that. He’s a married African-American father who can probably make a huge difference with words alone,' said Mr. DiCaro.
The U.S. Census has indicated that there are now one in three children across the U.S. who live with one parent families
The decline in two parent families has also disproportionately hit the South, which has long been a bastion for traditional family values.

Even in places where the percentage of the black population declined, single parenthood increased.

In South Carolina, where the black share of the population fell by 2 percent, single parenthood rose by 5 percent. In Kentucky and Louisiana, where the black population was constant, single parenthood increased 6 percentage points according to the Washington Times.

'In places you’d think values are at least talked about, they are not lived out necessarily. Education and income seem to trump them,' said Mr. DiCaro.

'The people who might not be preaching family values, like coastal upper-class communities, those are the people who are waiting to get married.'

The largest contiguous area of sustained fatherlessness is in the largely black poor across Arkansas, Mississippi and Louisiana running along the Mississippi River from Memphis, Tennessee.

'When you have very little going for you in your life, having children can give purpose to it. If you’re married, you’re going to be much more cautious. There’s health care costs and our jobs, whereas if we were both just kind of doing whatever, then why not just have another kid?' said Mr. DiCaro.


Read more: http://www.dailymail.co.uk/news/article-2253421/1-3-US-children-live-father-according-census-number-parent-households-decreases-1-2-million.html#ixzz2WCdocFDA

dennismukoro: The man and the woman were taken away by the police for ‘safe custody’ and were later released on bail.

Also speaking with Vanguard the wife of the culprit said the rumour of her husband’s illicit affair with their neighbour had been on for some time.

“I have heard severally that my husband has been engaging in extra-marital affairs with this woman; I went to her house and told her to leave my husband alone, but she refused. God has finally disgraced her”, she said.

yetunde01: Thanks. help with this

1.After allowing a discount of 11.11% ,a trader still makes a gain of 14.28 % .at how many precent above the cost price does he mark his goods?

2.If 9 engines consume 24 metric tonnes of coal, when each is working 8 hours a day; how much coal will be required for 8 engines, each running 13 hours a day, it being given that 3 engines of the former type consume as much as 4 engines of latter type.

yetunde01: Pls solve this; 1. Thirty men take 20 days to complete a job working 9 hours a day. How many hour a day should 40 men work to complete the job?

2. A and B can do a piece of work in 45 days and 40 days respectively. They began to do the work together but A leaves after some days and then B completed the remaining work n 23 days. The number of days after which A left the work was

Tgirl4real: It takes wisdom and understanding for the 2 to live in peace and harmony. If the man isn't a lazy bum, the wife should remain submissive. She shouldn't let the present situation of things get to her head. And she should continue to encourage her hubby in ways they can increase their finances.

Also, she should not constantly remind the man that she is the one footing most of the bills. He knows this already.

Family and friends should not know how you run your home.

The hubby on the other hand also need to be loving and appreciative of his wife's effort. He shouldn't let the present situation frustrate him into seeing his wife as a threat. Cos when the wife spends more, the man usually feels threatened.

He should also intensify effort into getting something more productive to do. He shouldn't relax, allowing his wife carry all their financial burden.

He should also try to support no matter how little. With this, the wife will know it's the situation and not that he wants to be a pest.

AjanleKoko: More troublesome generalizations:

If The Big Bang Theory was a true story, and the guys were all Nigerians:

1. Penny would date Sheldon, Leonard, Wolowitz, and Kuthrapali, most likely all together. After all she is only a waitress .

2. Sheldon's friends would have killed him way before Season 1 was over. I can just see the headlines in the Sun or PM News 'Brilliant Physicist beaten to death by friends over Thai food '

If you guys can think of any others, do let me know. I gbadun that show

indigene: In my former contribution as regards this thread, what is a joint account?
Joint account is a bank account shared by two or more individuals. Any individual who is a member of the joint account can withdraw from the account and deposit to it. Usually, joint accounts are shared between close relatives or business partners.
Joint accounts are often created in order to avoid probate.[1] If two individuals open a joint account and one of them dies, the other person is entitled to the remaining balance and liable for the debt of that account.
Sometimes a temporary joint account is opened by two parties entering into a transaction where one party needs a security for the fulfillment of the transaction and the other party has to pay the sum (deposit), being the security for the other party. Any payment from the joint account, or return of the deposit from the joint account, will only be possible if both parties sign a joint written instruction to the bank. It is not possible that only one of the parties gives instruction for payments of the joint account. You can use this definition to make an informed choice
On forms given by banks, there are columns of mandate, to signify either both should have access or not.
In my case having a joint account with my wife, does not translate in expecting her to contribute to the account or not.
She keeps the checks, ATM cards of our home keeping funds, and longtime family project funds, sms alert to these fund are channeled to my phone numbers. But for my business accounts its the same, any to sign, but i keep the checks, ATM cards, and another Account i signifies two to sign, but three signatures was written, mine, my wife, my manager in salary situation when i am not around. I believe that life is not like a steel chain, that can not break.
These measures is to avoid probate. REMEMBER MILLIONS OF NAIRA ARE TRAPPED IN MANY NIGERIA BANKS, IN USE AS THEY LIKE

I would have this to say: "The husband is the head of the family and should truly be head to everything, including finanancial spending" so why must he be interested in the wife's money.

The woman should be allowed to use her money as it pleases her and the husband's own must be for the family's upkeep.

babyosisi: Finally you have answered your own question why she does it despite the 50k you set aside for her free use
The moment you raised those eyebrows that she didn't stretch the money as you envisaged,she devised other means to make the money last so that your eyebrows will stay put
She started taking from your wallet to supplement
Please increase that allowance from 50 to maybe 100k
Obviously she needs more