₦airaland Forum

PrettyPrint:
Creative common fa?

Is that in Literature?...
What of Common "C"ense...

Quim2:
[/b]
Yeah

okay...
which website do you use?...
fiverr? upwork?

The10thMan:
I Was 26.

Graduated school in 2004. Just before graduation, my mother had advised/suggested that I learn a vocation. ''Handwork'' as she calls it. But for reasons I cannot recall, I did not. A resourceful woman that she is. She knew that a craft or skill could always put food on the table when the chips are down with respect to a graduate's certificate. During NYSC, I taught in a remote village and learnt French. With respect to entrepreneurship, I only thought of buying cheap food stuff and sending to my home state. But I never pulled this through. Eventually, (both during and after NYSC) I choose to apply for various jobs. Any that was available. I needed seed capital for my dream. I recall trekking Trans Amadi Industrial Area in PH dropping CVs to companies. Many oil and gas servicing firms were there. Out of desperation,I even went to Primary and Secondary Schools to look for teaching jobs. Come see their shakara untop my 4.01 Second Class Upper. But I couldn't be bothered. I knew I needed to get a job first, then raise seed capital even if I wanted to start a business. Background was humble and family was just managing. Wrote various aptitude tests for banks like Intercontinental, other banks, Freisland, Diageo, LNG, etc. And another test with an Oil and Gas Agency. The first job I landed was with a bank. Old Generation Bank still existing today. Got a job as a Banking Assistant-Graduate Trainee. Went to Lagos for 1 month training and was posted to the Eastern Part of Nigeria. While in the bank in 2007, the Oil and Gas Agency finally called. Their recruitment took super long. Left/dumped the bank like crazy. Resigned without thinking twice. Salary in the Bank was 59,000 monthly back then. One of the lowest paying.

In my new job, housing allowance was 1.6 Million annually. Salary about 200k monthly. Not to mention hazard, offshore, etc. allowances. I was 26. I recall I called up my friends in the bank and jokingly told them they are all small boys.. . Teasing them and telling them how if I wanted to I could buy a car every year. By God's grace, Finances have never gone below 1 million naira. Savings alone with Work Staff Cooperative Society is multiple millions. ONE IMPORTANT THING IS I KEEP MY LIABILITIES AND EXPENSES LOW and still do. Never believed in the ''I need to upgrade so people know I have arrived'' mentality. I dont need any man or fine girl to see me as ''A Big Boy''. I successively acquired 4 properties. 2 Lagos and 2 back home. Built first house in Lagos. Added two shops to the front section. Completed and rented all flats and shops out. I still live in a rented apartment. It is cheaper for me to stay there than in my house.

Eventually, those with financial intelligence know that money in the bank and dormant salary/income doesn't bring returns. Money is a messenger and money doesn't like being idle. You need to send it on good errands to bring more money, and the cycle continues. Also, there is time value of money and money depreciates. With all these at the back of my mind, I urgently needed to transfer a lot of my finances into assets that will generate income. This is still my biggest challenge today. How to identify good investment opportunities. Additionally, as Warren Buffet said If you don't find a way to make money while you sleep, you will work until you die. . There was need to invest in passive income businesses.

I have focused greatly on developing my skills and developing myself professionally in my area of expertise/discipline. I eventually set up a Consulting Firm/Company in my area of expertise with freelance workers. I read a lot, pay for courses myself. I do not always wait for my organisation to train me. All these coupled with work sponsored courses ensured I knew my onions in my field. I love to read about wealth creation and financial intelligence. I have a crazy collection of over 20 books. Kiyosaki, Trump, Napoleon Hill, etc. and I love watching Grant Cardone, Tai Lopez, etc. on Youtube at my spare time just for encouragement. My job is still there by Gods grace and I am rising through the ranks. Consulting firm is growing strong. Now Consult for both Upstream and Downstream Companies. Trying my best to brand the company with a good website, good brand image, modernized logo, etc. Currently, I have the desire to open a conglomerate to diversify to various sectors. Picture Dangote Group. Called up a lawyer for advice. I intend to go into a lot of business ventures. I shall do Healthcare/Pharmaceuticals, Construction, Real Estate,Catering Hospitality and Tourism, Marine, Telecoms, Financial Services, Foods, Entertainment, Mass Communication/Media, Education,Agriculture & Agro-Allied, etc.

Recently, I realized that needed daily revenue and need more income streams. Having A job is an income stream, having a consulting firm is another income stream. But I could do better. No need to wait till end of month for pay/salary or wait till companies pay for contracts executed. Some companies can owe you for ages on completed jobs. My Consulting brings money but you have to chase contracts and bids etc. Plus, contracts dont come easy. Also, price war between contractors drives down profit margins a lot. All these in mind, I am currently planning to open a Mini Plaza with a lounge anywhere after Ajah Axis in Lagos. Currently, searching for property for this venture. Need something with daily returns so the idea that I should open my own Lounge/Bar/Cafe with a small plaza for sharwama,asuun,nkwobi, fried potatoes etc.I have always pictured myself closing from work and going to handle my business at the Lounge/Bar & Restaurant and watch customers eat, drink, chat, laugh and merry. That is my next project and next income stream. A fourth (4th) income stream I am planning is to follow Grant Cardone's idea-''build multi-family dwelling housing in a property instead of a single family unit''. So picture multiple 1 & 2 Bedroom self-cons./apartments instead of a gigantic big duplex. With the multi dwelling units you are sure of some rent. Intend to do this with the other land in Lagos and more I intend to acquire in other parts of the world (Yes the World).


ONE BIG MISTAKE I MADE WAS NOT LISTENING TO MY LATE MUM. Like I hinted, she practically forces all her kids to learn a vocation/a skill regardless of how highly educated you are.All my sisters can sew, cook, bake, make soap, grill fish etc. Personally, she wanted me to learn Welding and Fabrication. Perhaps, I felt I was too educated for it or something, but I never did. Perhaps by now I would have been constructing Sky scrappers and handling huge projects with my current knowledge and exposure.

Taken liberty to post a few diagrams to educate people in a glimpse about financial intelligence. How the rich use income to create assets that generate more income. And how the poor use income to create liabilities that keeps them poor. The poor spend money on liabilities. To them that is ''enjoying'' life. The rich spend on assets. These assets are GOODS,SERVICES, PROCESSES that can solve human/society's problems. In Economics, this is called UTILITY or VALUE. Utility can be TIME UTILITY (You help people save time), and/or FORM UTILITY (You produce something in a way people want it) and/or PLACE UTILITY (You bring something closer to people so they easily reach it). Humans naturally want value and so they take decisions on any thing that will give them least risk, least effort, cost them less time and highest value/less money. The wealthy and wealth creators realize this and do not really focus on the money but focus on solving problems (creating utility) which people are willing to pay them money for. The rich get seed capital, invest it to create wealth. The poor/managing get seed capital and buy liabilities that even put them into more debt. THE WHOLE WORLD NEEDS FINANCIAL INTELLIGENCE AND THE PRINCIPLES OF FINANCIAL INTELLIGENCE SHOULD BE TAUGHT IN SCHOOLS.

All in All I am GRATEFUL.

Hello Sir...

Just came across your post ...

did you later achieve your goals?...

you seem very ambitious, I would love to learn a few things from you.

Quim2:
I don't have PayPal so I wouldn't know. But yeah, it's not difficult to create an account with Payoneer but they do monitor source of income closely.
Do you maintain a Dom account in Nigeria? if yes, Which bank?

okay I'll try it out...

no I don't ...not yet anyways...

what $ jobs you do?

Freelanccer gigs?...

Fine babe like this...
Gone so soon...

How did a Ghost story make it to 30 pages...

Quim2:
Hi,

Please, I wish to know which bank is best to open a SAVINGS domiciliary account and have rest of mind.

I don't make it big like most of you so I am interested in earning interest on the little dollars I have and avoid high bank fees.

I don't plan to do transactions on the account. All I want is to receive my dollars from my Payoneer account monthly, withdrew a little raw $$$ over the counter and let the rest accumulate interest.

Which bank will allow me do this?

Thanks in advance.

Guess Gtb it is...

Guy is this payooner just like PayPal?...

is the sign up simple?...

you receive dollars in it?

I attended a wedding yesterday days after lockdown. It's was kind of a rush, guess they were worried the government will shut it down.

During the reception I saw this beautiful bridesmaids all trooping in like soldiers. They were "set" in all areas, dancing along with the bride.

I offered to take the chief bridesmaid home since we lived along the same axis, she's the closest to the bride.
She kept telling me how she was praying for a "Dubai Styled" wedding with all the diamonds and gold.
I laughed and told her that she was expecting too much. She said she knows, that a wedding like that is her dream and if for any reason she does meet a capable man then she wouldn't mind. As long as she loves him. We gisted a lot before I got to her street, we exchanged numbers and I bid her goodbye.

Before I left the venue I met another of the bridesmaids. She was from my mom's side, Delta State. We connected on that anyways. She kept trying to talk to me in her dialect. That didn't last long as I can't speak so much from that side. She jokingly asked me if our wedding will be something like her friends own(the bride) I smiled and said if the lord wills.
Anyways we exchanged numbers and bid ourselves goodbye.

This girls are wonderful sha...

How's your weekend been?

angelEmade:
I know a male friend who does not ejaculate even with about 40 mins into se3x.
You know he told me about it, feeling worried that he is not normal
(He wasn't trying to have se3x with me ooo i watched him do it with my friend who is his girlfriend to believe it myself)
He wanted an advice from his medical student friend****me
If you wanna know the end of the story I was gonna ask him to speak with an Endocrinologist or hormonal expert
my friend (his own girlfriend) shouted back at me! she loves it that way...
#mypoint men and their sex wahala. why not accept yourself exactly the way you are. While my friend loves it that way...i am someone that might climax early during s33x... sometimes back in high school a male classmate brushed his hands past my chest. Stupid me i was not Oon bra cux i developed boobs late. Being a guy i fancy, the thoughts alone...ringing through my head. I climaxed.
so if your gonna spend anything more than 15mins on top someone's daughter...you will do everything on a sex doll. I ONLY NEED YOUR SPERM FOR MY BABY BIKO

lol spoilt girl...

climaxing on your crushes touch...

purplecoco:
Lmao! I’m good The heat alone. Thank you

when did you leave Nigeria?

urchcoded:
Men I fvcking love this country. I like the food, I like the women (in terms of anatomy and physiology) I like the naija customized Savagery and sarcasm. I just wanna do well. And enjoy here with my friends and family. I want to be able to afford to travel at will, but just for a vacation or tourism and not to relocate to another man's land just because you wanna see beautiful landscape. The only problem I have with Nigeria is religion which makes it difficult to associate with all them religious people.

you my brother has spoken well...

I actually don't intend of existing Nigeria completely when the opportunity arrives. more like gain a dual citizenship. just incase I everything red this side I move to the other. I see Nigeria as a playground, if you get money it can be. no can oppress you easily.

I will especially miss our women yes anatomy wise. they like fvck ehn but religion no go free them.

Wtf...Lol
those men no get joy...see as they lineup for one puzzy

Coded runz n insta babe...

This girl go like fvck ...
And she is now foreign exposed...but she get small yanch...

who else loves that leather skirt...
so sexy...

God bless Tradeau...
freshest prime minister...
looking like a boy band..

safarigirl:
I will never understand why Nigerians choose to speak awful English like "There is no any...."

I get it's not our native language, but a grown adult with a formal education, should be well versed in spoken English, to know not to construct such sentences

Leave 'any' out of it. Such English will only be tolerated from children.

safari safari leave matter O...no make me run from kano to bayelsa O...

how you now...

HERSLEY:
I missed being here

we missed you too...

how have u been...

This kind of thing is caused by lavk of pre intimacy...no connection between partners...

they forget she's human too...even though she's little...she has to be stimulated to want it...

let me just change my religion...the way I will spoil those girls will be beyond repairs...

MOnkeyBabe:
no, none of that. On AveRaGe when one talks about SPiRitual stuff people tend to be freaked.
About my so-called SPeculated cousin or the boy I spoke about. I kept seeing his father in dreams telling me to save his son.
These kind of things are DiffiCult to discuss. Know they'll say I'm on COKe. But I RiSked it, now my conscience is clear. Maka ChuKwu. Only God would VinDiCate me

yh it can sound creepy ...

there are somethings that happen that can't be easily explained it's just beyond us...

check ur mail ...

MOnkeyBabe:
what's wrong obum. Did I succeed in SCaRinG you?

lol you have intention of scaring me...
why would you want to do that...

MOnkeyBabe:
just responded to your email lol

sent another...
read your thread...it was so funny...
don't know if most of it is true...seems you were joking ...
have some questions though...that's why I asked for your mail...

Has anyone here gotten government contract of any kind...
how do you go about it... what are rate of success...
Even State contracts...how you go about it.
I need stories on how you or anyone you know went about it...

MOnkeyBabe:
please Dear,
Biko send to
Sorry if I'm inconveniencing you hun

no it's not a problem...

not using the other one...

you can delete it...

mouth like biko...ibo galll

MOnkeyBabe:
which? Is it BRitney?

yeah

MOnkeyBabe check your mail...

MOnkeyBabe:
"She lOved Sex though". A h ahhn, who no Dey like that one BefoRe HahahahahahahahahahahahahahaaaaAH
I'm not A ReGular naij baBe o there's nothing to hide
If I hit it BiG with what I'm SPeCulating and spend a couple of years at home you may be my Nigerian baby daddy

lol the Gods have spoken..."you may be my Nigerian baby daddy" ...hmmm I'll have to think about it...Do I want a chukwu jnr.

lol I know"not A Regular naij babe" I can guess u love it madddd...

MOnkeyBabe:
You want me to STARt sinGing for you. . JeSus!! OliSA Bi n'iGwe. Anybody with CHUkwu Lai dis in their name. THE SON OF GOD....YeH, My heaRt just Dey GUm them , SPeCial love

awwnnn...plz cum n gum me...

and sing igbo tunes too...

MOnkeyBabe:
Did you DATe any?

just one...babe grew up in port Harcourt so she wasn't so much Delta like well a few times...
she loved sxx though...

MOnkeyBabe:
Did you hear about kwale GiRls putting weed in their food?

wow just hearing that...I heard a lot of things in my warri days...

you'll show me some Delta girl moves