₦airaland Forum

Ishilove: Ofio.

We are not supposed to swallow it after chewing but when I was a kid, I made it a point of duty to ALWAYS swallow it

Ishi baby,
I swallow every damn thing o. You are missing out on the great dietary fibre when you don't swallow the whole stuff.
You need to google and see a whole lot of puddings people prepare with that lovely nuts.

frosbel: "people are laid to rest and do not rise again. Until the heavens are no more, they will not wake up nor be roused from their sleep." - Job 14:12

Hahahahahha. Bro Frosbel, do you really do contextual studies or you just lift up a scripture and starts shouting on the roof top?
Do you think that every statement made in the Bible by everybody speaks the mind of God?
Continuing to quote Job's statement when he was utterly confused about his trial period, after you have been corrected, and projecting it to Christians as Gods' final word shows crass ignorance and unteachable Spirit.
Now, come with me to same Job later in Chpt 38vs1-2
''Then the Lord answered Job ... 'Who is he that darkeneth my words without knowledge? Gird up now...for I will demand of thee, and answer thou me'.''
Job was dumbfounded as God put to shreds all his previous lamentations (chpts 38-41) until the 42nd chapter when his eyes cleared, he blurted out '...but now my eye seeth thee. Wherefore I abhor myself, and I repent in dust and ashes' vs5,6.
That's a humble and a teachable Spirit at display.
That's why scripture says 'we know in parts, and we prophesy in parts', we can all learn and grow as revelation increases.
While Job ignorantly said then that '...they
Shall not awake, nor be raised out of their sleep'
The present hour truth is that '...with the trump of God, the dead in Christ shall rise first.' 1thes4vs16

This Bro frosbel sha.
Wondering who made you the Registrar of Heaven's gate.
You've got too much bile in you for a double life time, quoting a philosophical thought in the book of job just to 'deny' Paul entry to be with the Lord? Lol
Anyway, thank God we are Confident he is present with the Lord (2cor5vs8)
RIP soldier of Christ. You put the banner of Christ in territories where your critics dare not lift a finger, spreading the Word of life into the hardest iron curtains and deepest dungeons of opposition.
We'll continue to Praise the Lord!

[quote author=dotcom_na_me_na_me]The difference between a class for not celebrating a goal against his former club[/quote]You got it wrong there.
You may not celebrate at the home turf of your former club (Ramsey's case), but you can celebrate all you want against your former club in your home turf (RVP's case).

uboma: ^^^ Tiger nuts. It used to be one of my favorite when I was a little boy.

Oh really? Nice name

Annie2gud: Hausa-groundnut.

lol @ hausa groundnut. Anyway, Igbos do call it 'Aku-Hausa' - Hausa nuts

I think someone should come up with a nice commercial packaging for it, i'll sure buy it as i prefer it to peanuts. I just don't like the way those guys sell it in wheel barrows.
And on the nutritional level, i think it will also make a good non-animal dairy. The milky taste is so on point.

Somebody help me with the English name of this deliciously juicy nuts from the North.
They usually come in two varieties; sun dried and freshly harvested.
While the sun-dried version is sweeter, it can be hard on your jaws after a while.

Chief, abeg help me check out this ride;

5FNYF28586B015031

Thanks in advance.

These guys thinks Nigerians are fools.
I clicked on the Samsung Note 10.1 and it shows the product is in stock, only to show 'out of stock' when i clicked on payment!

NONSENSE!
I guess they just put up a single item to create a buzz.

Is this a joke KONGAAAAAAA!!!!
I checked the date again and it's not 01st April.

The YAKATAAAA page is returning error '404 Page not found'!
This is a terrible logistic planning on their side, an ill thought out marketing campaign that will surely impact negatively on their integrity rating, unless they will extend the duration with one week after they fix the page.

Even Smartbuy.ng that was touting black friday shopping, direct from USA is no where to be found!
These Naija online retailers still needs serious lessons on capacity scaling.

Lexusgs430: Buying a salvage title in the Nigerian Market is a different kettle of fish. Our car dealers will buy salvage titles, repair the damage, clock the vehicles, price it as a clean title and try to pass it on as the real deal !!!!
What would have been helpful, is a picture of the vehicle post-accident, so buyers can make an informed decision whether or not to buy the vehicle, considering the impact the vehicle had been involved in.

What interests me is that even American dealers buy salvage title and refuse to disclose it as such by going to another state to register it as a clean title.
Now, i don't want to imagine what Nigerian dealers do

I just saw this article on Fox, http://www.foxbusiness.com/2011/06/03/5-reasons-to-avoid-salvage-title-cars/ and decided to share.

The quest to buy that 'super-clean' tokumbo car with the lowest price tag could be your ticket to sleepless nights!
Read full article below;


You just found a late-model BMW selling for thousands of dollars less than the rest. The description sounds good. The miles are low and the photos are spotless.

But then there's the asterisk: It's got a salvage title.

The seller assures you the damage was cosmetic, that no structural damage occurred. He's certainly offering a substantial break on price. What should you do?

Most salvage title cars are priced at least 5 percent below market, which seems like a good deal. But in most cases the true value is much, much less. Consumer Reports calculates that a salvage-title car is worth 50 percent of its Kelley Blue Book value, at best.

And it is extremely difficult to determine whether the damage was simply cosmetic, as almost every seller will claim, or structural. If you decide to buy, you'll find few banks will want to finance your find, and car insurance companies won't even try to guess what it's really worth.

What is a salvage-title car?

When a car has been in an accident, stolen or weather-damaged and repairs will cost more than the vehicle is worth, the car insurance company will total it and take possession. Insurers then sell these cars at auction to salvage yards or rebuilders. The car will be issued a salvage title to warn future buyers that an insurance company has declared the car a total loss.

[Let CarInsurance.com help you find affordable auto insurance now.]

Most states have laws that set a threshold on the amount of damage needed to declare a car totaled, usually between 51 percent and 80 percent of the car's actual cash value.

There are occasions that a perfectly good car gets a branded title. A good hailstorm can do thousands of dollars of cosmetic damage, leaving the mechanicals as good as new. A fender-bender can cost more to repair than an old car is worth.

According to a Consumer Federation of America report, 2.5 million vehicles are totaled each year. Roughly 1.5 million are repaired and put back on the road. The latest Crash Report from CCC, a collision claims-management consultant, shows this number has grown dramatically over the past decade. In 2000, only 9 percent of all vehicles appraised after wrecks were flagged as a total loss. By 2010, this number had grown to 14 percent.

Largely, that's because there are more older vehicles on the road. For vehicles aged 7 years or older, collision damage results in a total loss 68 percent of the time, CCC reports.

Can't finance it -- or insure it

If you are hoping to finance and fully insure a salvage-titled car, you may be in for a surprise. Few auto insurance companies are willing to write collision and comprehensive coverage on a salvage-title car.

Kyle Mediger, an independent agent and owner of The Insurance Advisors, says "insuring a salvage-title vehicle can be a real challenge. Most insurers are reluctant to write comprehensive and collision policies because it is so difficult to put a value on these vehicles."

Financing a salvage-title car also is difficult.

Garry Smith of Hilo, Hawaii, of has owned several salvage-title cars over the years and currently drives a 2005 Dodge Dakota Quad Cab with a salvage title. If you plan on buying one, his advice is to be prepared to pay cash. Without comprehensive and collision insurance to protect the car, it's unlikely you'll be able to find a lender.

Safety? You're rolling the dice

Safety is one of the best reasons to avoid salvage title cars. These cars can be dangerous.

Many rebuilders cut corners in order to fatten the bottom line. While structural and alignment issues are common, rebuilders also skimp on airbags. In 2003, Bobby Ellsworth was killed when the rebuilt salvage truck he was riding in crashed in San Diego. It turned out the airbags had been stuffed with paper towels.

The California Highway Alliance estimates that one out of every 25 previously damaged vehicles has phony or dummy airbags installed. Lax federal oversight and spotty inspection requirements make it easy for dishonest rebuilders to skimp on this essential safety device.

Almost no resale value

While the estimates vary, a salvage-title car is worth considerably less than a car that was never in an accident.

These cars are so difficult to value that Kelley Blue Book doesn't provide pricing on them. "There are too many variables and unknowns," says a KBB spokesperson. "From what we hear in the marketplace, wholesalers are paying 30 percent (to) 50 percent of the KBB book value."

An honest seller will never get the current market price for a vehicle that has a salvage title attached to it. People willing to take a risk on a salvage title will demand a huge discount.

It's your car -- forever

If you buy a salvage-title car, plan on owning it until the wheels literally fall off. Because these cars are hard to finance, they can also be a challenge to sell.

"I have tried to sell several,” Garry Smith says, “and the deals fell through when the bank found out they were salvage titles and couldn't be fully covered by car insurance to protect the bank's interest in the vehicle."

The pool of potential buyers is quite small when a salvage title is involved.

Fraud is common

You may be driving a salvage-title car already and not know it. Title washing can make it difficult to determine if your car has been in an accident and rebuilt.

State titling requirements vary, which means that a car that has a salvage title in one state can be driven to a state where an inspection is not required and a clean title will be issued. A car with a clean title is worth thousands more, which makes driving a car to another state well worth the trip for shady rebuilders.

Large insurance companies take advantage of loopholes as well. In 2006, State Farm settled a lawsuit with 49 state attorneys general after admitting it had resold between 30,000 and 50,000 totaled cars without salvage titles.

General tips

We would recommend that you avoid salvage title cars at all costs. As you shop:

Have a trusted professional mechanic check out any vehicle you are considering. The better the deal you're getting, the more you should insist on an inspection.

Get a vehicle history report. Carfax and Autocheck are the top two providers. The money will be well spent if you discover a salvage title.

Check with your local DMV in regards to their salvage title laws. Each state has different guidelines for salvage titles. Understand the local policies before you buy.

Check the National Motor Vehicle Title Information System. This federal database was supposed to cut down on title fraud. While it has helped, it is incomplete, as not all states participate. Search the database for the VIN of any car you are interested in.

Check with your insurance company in regard to coverage and car insurance rates before you buy.
The original article can be found at CarInsurance.com:
5 reasons to avoid salvage-title cars

[quote author=inspired_m]2014 is Our Year of Prosperity, We ( Association of Nigerian Car Dealers ) Shall Make SO Much Money Like Never Before.

Thank God WE Chose to be Car Dealers and Nigerians, BADDEST Combo.

[/quote]Hahahaahahaa! i feel you bro.
It's your season to hammer. Hope you've stocked your warehouse in anticipation.
Meanwhile we need to talk o

Now, that's one hell of an over-exuberant kid.

Anyways, i would have loved to hear what she wants to do with her life, now that she has earned the number one spot on the world's bridge burning table.
No matter how you hate your job peeps, if you want to quit, quit with respect to yourself and the employer/colleagues. You were the one that applied for the job in the first place, even if you were head-hunted, it wasn't under duress.

Too much of celebrity hero-worshiping is messing with the minds of this generation.
A celebrity has the liberty to rant on social media, after all he is the boss! You as a an employee don't have that liberty.

Meanwhile i thought that US educational system allows people to study in line with their passion, unlike here that JAMB determines your destiny.
Who forced her to study accounting/audit in the first place? Na the person suppose answer query

Unfortunately, your site is inactive.
Drop your number instead.

obayaya: [b]there's free universal basic education in anambra.[/b]. and he adopted direct investment approach to developing infrastructures in schools.. giving the money direct to the school management publicly and making it impossible to be embezzled

Microsoft academies in most of the schools, school buses, and teachers training workshops.

anambra scored highest in unity schools entrance examinations

The bolded is bold-faced lie, otherwise name the schools that have free tuition here.
I am currently sponsoring a secondary school student in SS2 and i paid about 15k this term for her tuition.
Are you just trying to pull wool over people's eyes or what?

Erm...
Mr. Oshiomole, what do you do to your official kidnappers that mount guard at both ends of Benin by-pass with long poles studded with 12 inches nails, lying in-wait for unsuspecting motorists and fleecing them of their hard earned money?

Don't mind the car dealer, he is either ignorant or he has a stake in the EOD he wants to sell.
DC is a huge improvement on EOD.
Physically, the rear looks more mature than the straight flat rear of EOD.
Mechanically, the incessant transmission issues of EOD were corrected in DC.
You can google up the comparisons.

Go for G S4.
It has better screen pixel density, higher RAM, Camera etc. Besides, Android is the future!
Click here for a comprehensive comparison. http://www.gsmarena.com/compare.php3?idPhone1=5125&idPhone2=5685

Please how much is a clean S3 with the accessories.
I hope it is fully unlocked?

Congrats Jarus. This is so inspiring!
I am laughing at the price of land at your villa @200k.
Wish i can buy 10 plots and transfer to mine.
Cheapest plot in my villa now is around 2m, and that is even if you can find.

It is definitely not a fraud! It is a rigid process though, and that is to ensure that the funds are judiciously administered.
What I will advise is that people who have accessed the mortgage or personally know someone who has done so should post the name of the PMIs they used, as that is the most important factor that determines how far you can go.
Many PMIs are jokers and charlatans and may waste your time on end, claiming they are processing your mortgage.

Great automation idea you got here Seun.
However, there is nothing automation about your mode of receiving and confirming payments into your account. It is so analogue!
What you need is a robust web based payment engine running on your site and configured with your account number, so all your customers needs to do is click on it and use any of their cards: VISA, Mastercard or Verve to pay.
With this people can pay from anywhere in the world, right from their homes/office without asking for your account number or trying to locate your branch. You get instant alert on both email and phone and then proceed with the advert approval.
You can also print your account statement any time you wish and monitor your account online real time.
You can PM me for further discussions if you are really going automation for real.

My favorites has been shifting over the years as listed below;

90's - Don Moen, Bob fitts, Alvin Slaughter (Integrity and Hossana music basically). This was the days of audio cassettes with lyrics.

2000's - Darlene Zscech, Donnie McKlurkin, Chinyere Udoma, Women of faith.

Currently - Mercy me, Sinach, frank Edwards, Eben

Stylaay: I am really trying to phanthom why a governor who kept preaching prudent management of resources is now carelessly spending the monies he claimed to be saving for anambrarians with reckless abandon. I guess he was using the state's resources to run his business he is now trying to dole out the cash as he can't leave with it. Social security for the aged, cars for traditional rulers, N3billion on health with no specification. He Left our state underdeveloped. Posterity will judge this man. Instead of acting selfish he would have established industries or brought in investors to create jobs for our teeming youths to tackle insecurity. I pray we vote wisely this time. Peter Obi has a checkered history but we didn't care to investigate him. He would have taken a cue from south west governors

That Dude seriously pulled thick wool over the eyes of Anambrarians.
He skillfully got FG to clean up the Head bridge-Upper Iweka gate way into the state, with that ten-lane new roads, thereby making it look as if it was the state funds that is being used to develop that Onitsha axis.
By the time you enter inside Onitsha, Nnewi, and Awka, the three supposed cities in the state, you'll discover that the roads and streets are in shambles.

Succincts: Its just 2 sides of a coin if you ask me.

yesterday we marked 53years of independence as a nation. Next yr we wil b celebrating, 100 Years of existence as a nation.

using conception and birth of baby is a wrong analogy. and i will explain.

1. at conception of a baby you dont name the baby. (Was Fashola called Fashola when he was still in the womb). so if NIgeria recieved the name NIgeria at 1914. it can not then be said to be analogous to conception rather it is analogous to birth.

2. at birth a child is as human as old man, but he is still dependent. so also we can liken NIgeria at 1914 to be a full nation but still dependent.

so Fashola was wrong on this one.

the non celebration or marking of the cetenary does not negate it as the birth of Nigeria.

so i think the general explanation to the debate is that.
1. whereas 1960 marks the beginning of independence of an already existing nation. 1914 clearly marks the coming into existence of the nation. though receiving orders from another just as a child recieved orders from other human beings but yet he is still a human.

2. Nigerians have ignored celebrating their birth date. please dont ask me why.

gracias for listening

Brilliant submission you made here!
Clearly, it's a debatable situation, which even made BRF threw it open for debate. You can't just use biological conception to situate our nationhood appropriately.
Though we became a Sovereign Nation in 1960, the term and location 'Nigeria' was formed in 1914 by Lord Lugard's act of amalgamation.
However, my own opinion is that the wanton waste, and of course looting, all in the name of centenary celebration should be shelved, while we organize a plebiscite to decide a genuine path to building an all encompassing Nation.
Pray tell, to whose interest is it if we spend our scarce resources to wine and dine over a Nation that is on the brink of collapse? If you built a house that is about collapse, do you call for house warming festivities or you get a fresh set of building Engineers to look at the way of salvaging the house?
Acute lack of priorities on what matters most is what our government officials suffer from.

Claracuzio: There are 3 types, brand new, ibadan, and toks.
the toks usually come with the spring and its usually the most expensive range is 15-18k per pair.
ibadan is not advisable to purchase. They will tell u its new but its actually refilled.
brand new is also good, its about 12-15k per pair. Got brand new for my big daddy at that price and they r still performing almost 2 yrs now

You must be kidding with that price for new set.
I bought KYB gas filled rear pair @30k because I really looked around. Genuine KYB is btw 30-35k, anything less is questionable.
You can just google it, there are couple of Nigerian dealers online

TouchDown: Stuff like that happens in Abuja to be fair.

The whole article smirks of this "africa rising" narrative that's usually off the mark. Nigeria's middle- class earns between 80k and 100k?? 960k -1.2m a year. Issorai...;d


Big problem we have is putting the cart before the horse. Smh...

I really wonder which kind of valuation puts 1.2m/annum earners in the middle class. That's just the house rent for the real middle class.
No doubt the property market will continue to be in the upswing but also saying that a 2-bed apartment sells for $1m is simply demonic!
It's either this writer has no clue about the exchange rate or he is just pulling figures from a bowler hat.

The 1999 LE model is highly recommended. It's such a sweet car. I've floored it severally, from Lagos - Enugu- OweRri - Lagos without any single issue!
Well except of course once (2011) that rogue mechanics flagged me down around Okada town with the alarming news that my from bearing is shattered and I had to part with 35k. (later found out they just played me).
The car is currently in it's 4th year but when you kickstart it, the engine runs like a brand new AC.
The only major changes I've done on it is shocks, Tyres, radiator, spark plugs.
However, when I bought it, the carfax report showed it was a one-owner used car.

Tinapa! Oh Tinapa.
I was in that estate at two different times last year and this was the same question I was asking everybody I met there.
I was appalled that T mart, their equivalent of Shoprite mall was virtually empty with outdated stock of goods, the whole stores area too was a ghost town forcing the few banks within the environment to all close down.
The only thing going on at the facility as it were was the Tinapa resort, a worthy 4 star facility which I thoroughly enjoyed. Prompt room service with dedicated staff that truly cared for my comfort.
Their buffet was simply delicious, I had my first and only taste of the famous 'ikpa nkukwo' there.
Finally, still not comfortable at how such a colossal project was left to rot away, I engaged the Tinapa AGM on a lengthy discussion, at the end of the day, it boiled down to the economic politics that cripples every other thing in Nigeria. Unimplemented policies from Abuja that was supposed to power the project was abandoned.

Yomieluv: open a chemist shop in rural area,and sell drugs,and also sell drinks along side it,and to make more money,call yourself a doctor and administer injection.....forget it,you are made.

you must be an Agent of Death!
@OP,
As a chemist, if you can raise some funds, you can go into production of methylated spirit, ethanol for pharmaceutical companies, liquid soap, liquid air freshner, nail varnish remover, etc. You will be amazed at the demand for these products. Do your feasibility studies on the area you want to operate and build a business case.
I know folks that do these and they are doing pretty well.

DP.