₦airaland Forum

StPete:
I have some ps3 game CDs for sale...sold the machine already. 0.8.0.9.5.3.8.9.9.9.0

still available?

azimibraun:
Man u destroyer of tickets.. sorry I am the one to blame. I know their draw draw trade mark yet I give dem straight win.

na ojukokoro dey do u. U know koro koro that Manchester united and draw soup na best of friends, yet you still go play straight win. na greed be your problem, u dey find odd lol

Appleyard:
I thought I was the only one who knows this. I can't remember a match Real Madrid has played without conceding goals or gifting our penalties. I can bet my moiney that they will trip either Cuadrado or Dybala in the box...That is Real Madrid for you.

oil dey ur head baba, u sabi analyze football.
The team back line is careless, that will be thier biggest challenge. to coordinate defence

I am not surprised. that's how APC cleared the whole local government in Ogun state last year.

Lagos shiidreen no wan go school again, after waec na to enter studio record track to get thier own taaaarty billion or join the Malay boiz for the hustle. issorait

naturalwaves:
Yeah, a lack of Pepe in that defence has wrecked havoc but Juventus does not run much at defences randomly, they only wait for a calculated time to hit and that is why I have not really been talking about Madrid's defence. The only way Juventus can defeat Madrid is to make the game extremely slow and pass the ball around but due to the speed of the Madrid team, they are going to rush back at them to retrieve the ball. It is going to be a cracker if Real Madrid makes it to the finals.

make the game slow? naaaaa all they need to do is what they have been doing. Defend tightly and utilize any counter attackn have got. I believe cuadrado will start that game because Marcelo likes to overlap. so all they need do like they HV been doing, is just score one and keep defending till u get another chance to score another. Monaco and barca played the ball but juve did the scoring.

naturalwaves:
You guys should cut Pogba some slacks. He is not overated. The fact that he was bought for high fees does not mean that you should put him under so much pressure. Sometimes, it is not all about the quality of the player that determines the price. There are other factors like availability of players, the need by a team to fill a void urgently and so many things. The last time I watched Pogba was against Celta Vigo and I was surprised nobody on this forum commended him with the way the ball was impossible to take off him, the way handled the midfield and shut out the Vigo guys plus his good passes. Pogba is a fantastic player. Take it or leave it!

baba no mind those blind fans.
These days if as a midfielder you are not scoring 15-20goals or giving assists then you are not performing.
Moreso Pogbas position at manutd is more restricted than when he was at juve, he plays more of a DMF at manutd than at Juve when he was a box-box midfielder.

If pogba is giving more freedom to roam forward, these plastic fans will get to see more of his beauty

naturalwaves:
Barca does not have better attackers. They may have the best trio in MSN but the whole of the Madrid attack from midfield is very deadly.

barca is the better attacking team between barca and Madrid. but the thing is the style of play.
Barca barely crosses the ball, but prefers through balls which is were Madrid strength is. Madrid is very good in the air and so is juve defenders. You keep mentioning Madrid's attack, forgetting they have a weak back line.
I can't count how many clean sheets they have had because its very few. a very fast counter started by dybala or cuadrado will leave Madrid very hurt.

hahaha....and if she follow me go , na enjoyment go kill an oh. make she enjoy her marriage o jare

odimbannamdi:
Each time i look at Ronaldinho, it just reminds that this life na turn by turn true true.

i remember back then in 2007, 2008 when Ronaldinho was the rave of the moment. I nearly ran mad because of this guy! His every move freaked me - leg-over, ziggima, shagallow, turn-leg, keeper-stand-looking etc - . I watched videos of his best moves and tried practicing it on the field. WHen we manage score goal for field, we go dey rub our head like sey na Ronaldinho hair we carry. At some point, we even wished we had his kinda teeth God forgive our mumuness oo

The combination of him, Eto and MEssi was a formidable one that saw defenses crumbling down like packs of cards

But see as the guy don fade finish, as if he never even reigned in the first place. chai. This life eh!

MEanwhile, loafers for sale

baba no be only you oh. dunno made me become a barca fan, I was so obsessed with dinho that I would be saving lunch money just to buy time at cyber cafer to watch his skills on YouTube. then I would go home and practice his moves every evening. I usually say if any footballer would have made me Mad, it would have been dinho....lol #This life na truly turn by turn

Dreyfustrammel:
Bariga , Lagos. N30,000 final.

is it hacked

McMayor:
here

bro will u sell this for 40k cash and carry?

PRISTINEMUSCLES:
Still available. Like brand new. Own your gaming console and two games for a fair price of 35k.

Interested people should quote my posts.

30k, i will buy that console. if you agree, quote me let's fix time and date

PROPHETmichael:
You're missing the point bro....

This writeup isn't about which wedding is approved by God or not; It is about whose day it is judging by the fact that most women generally believes the church wedding (white wedding) is their day. I hope you grab!

bro the wedding day is for both the man and the woman, stop riding high on your manly ego.
Just as you chose her, she chose you.
if you think your woman is a dumbo, then that makes you because she chose you when you asked for her hand in marriage. its a day for both of you, let that sink in

OPyou just dey contradict yourself. Quoting scriptures that you don't even understand because you read them at face value.
So you want to say that God doesn't agree to Traditional marriage, abeg the wedding Jesus performed his first miracle, turning water to wine was what?
No be traditional marriage, in fact with the marriage arrangement described in the Bible. A true knowledgeable person about the scripture will tell you that traditional marriage is the marriage that was defined in the bible. Nothing like church marriage inside bible. Stop twisting scriptures to suite your desires

Etisalat is in a real mess right now, in fact I think their company have been taken over by amcon.
They owe access bank 40billion
they also owe GTbank 42billion
They owe fidelity bank 17billion
in fact the total amount of debt owed to 13banks is 377billion naira($1.2bn)
The Telecoms company are not finding it funny with that huge debt obligation hanging on their neck.
Job retrenchment was on the cards with all that negative news, a pity you were affected

henocherry18:
Pep deserves what is happening to him. After winning his ist ten straight matches, he was boastful and he forgot the fact Epl is not Laliga or Bundisliga. The end will always justify the means

he waa boastful? infact that's a big lie because pep guardiola says he knew the media will turn on him when his team starts losing and so he wished that day would come soon enough. I can back my sentence with proof. however show us that he was boastful after winning ten games, U liar

Bishopking:
Nice one.
I think the borrowing at interest is a way of 'printing' more money without having to incure cost of physical printing. After all, this is already a cashless economy.
Nigerians need to be wary of the external influence of imf and World Bank.

lol @ external influence, after all the "waka" Nigeria did regarding loan from IMF / world bank, it was just approved recently so they have to proffer solutions and tell us when to step up before their loan offered go enter voice mail like Greece,lol

as for the printing money in relation to interest borrowed, I agree with you on that

routik:
Despite all I did to escape being a victim of this policy, The cash deposits I did during the Easter break(450k & 501K on Saturday & Sunday respectively) at GT Banks' e-branch was summed up as one on Tuesday 18th April. And I was charged as if I deposited the sum total that same day. When I chatted with the CS on their website, i was informed that since I did the transaction during the holiday (which is not a working day), it was carried over to Tuesday.

God don catch them. I will be waiting for a refund alert.

lool, don't rejoice yet bro. even when you get refunded, pls be sure that its the exact amount they debited from you that will be refunded.

When diamond bank was asked to refund customers for the yeye postal stamp charges that happened last month, those guy refunded me just twice but I was debited on three different occasions.
so them gain last last

so monitor am sha

poposki33:
this is one of the reasons why you shouldn't criticize entrepreneurs as it is obvious you are afraid to go into the real sector.
But i think it's high time people began to worry about this high interest rate for the bubble might eventually burst one day because all those interest has to come from somewhere

yea I understand your fears, u feel one day Nigeria will go broke and be unable to repay them debts right?

Well presently a speech from a world bank spokesperson also share same view. it is said that they(world bank) don't think that Nigeria has even revenue to meet its INTEREST payments seeing how much debt we had been accumulating and Yet to still accumulate. So its okay to worry coz in the long run it spells dom but then how does Nigeria generate funds to pay back?
- Print more money
- Increase the revenue generated

Kemi adesoun has decided to follow the option of increasing revenue, how?
By Increasing the Tax-net to capture in more people. Statistics say only 22% of companies pay tax in Nigeria , so we can start from there.
Also seeing how mean this govt can be at times. If they fail to capture more coys into their tax books, they may as well increase the tax on those complying to increase revenues. Talks have been going on , on how to increase our VAT.

U know naija, they can just bring up one funny policy, like they increase car import duty or increase the taxes on purchasing luxury products like champagne or jets....all these are in a bid to increase the generated revenue to meet the debt obligations.

just so you know, According to a sentence made by The former Cbn gov (lamido sanusi) He says ; Nigeria spends 66% of her revenue on debts alone.

So u have every reason to be concerned bruh! in the long run, we either increase the revenue or borrow less .make we no compound our woes, or bad as e bad we print more money if water wan pass garri (Inflation tendencies tho if this happen) lool

Thank God this topic was bought up because i have a question I would like to ask;
When does a car need to have an oil change.?
if my manual says change every 5,000miles
does it necessarily mean when i have driven about 5,000miles from when bought then it deserves to be changed?


what if I drove for a year, very seldom and I never drove a total of 5,000miles, will it be safe to say there is no need to change my oil as the interval set by the manufacturer which is 5,000miles hasn't yet been reached

Kingpee2:
exactly how we are thought Hillary would win Trump,MAN U IS THE WAY ,THE TRUTH AND THE FOOTBALL.....

.abeg make I hear word jorr.
if any manutd fan had go online and bet on manutd to win he or she will be crying right now.

A team that couldn't win in 90minutes against mediocre Anderlecht, na wa o.

I dey vex for them right now as my ticket don look bush

dabossman:
I tire o. Is it the likes of Leganes or Osasuna that will comfortably beat Ajax or PSV? Haba.

Celta da Vigo can upset ajax , don't under estimate them

xynerise:
Against Ajax

mehn that ajax team has a whole of of balls.
despite having a red card, they were able to score two goals in the extra time that's mad mad

see as manutd cast bet today the only game left on a niggas slip. manutd to win, what's fuc.king hard in that
fuc.k, that was the surest game today with a f.uckkng low odd of 1.22 I am hurt!!!

Darkseid:
I started driving at 17and I've been driving for the past eight years without license. Make dem come catch me na.

eight years without license?/ maybe na your hood u dey drive sha, coz if you dey ply major highways dem suppose don nab u except u dey drive car with military number plate

I have seen a taxi driver arrested all because he was drinking water from a plastic bottle and at the same time driving.
Na that day I mad for the rules sha, HOT sun oooo and for person to drink water inside I'm car na offence, shuuu....it wasn't even as if the car was on speed gan. he was approaching a crowded area & so was doing prolly 20km/hr yet he was arrested coz he was drinking and driving.....fear these guys o, dem no get joy

tell any girl that you work in an
OIL and GAS firm and you have already won her heart straight yp!!!

amjustme2:
I am planning to invest with First bank on April 19 Auction

I was at their branch today to inquire. They mentioned Secondary market, Transaction Fee , Commission of 0.125% and Custodian Fee of 5% of the overall investment.

The custodian fee is new to me as I cant remember reading about it in any of this 248-page thread.

I was told today is the best day to submit form due to Friday and Month Pub Holidays.


I intend going back to the bank later in the day.

TBills Experts in the house, please kindly provide further details on the custodian fee.

Thanks

secondary market means u will be buying from the bank I.e the bank will sell to you from the thier own investment already made. if they invested tbills at 17% 364days for instance, the secondary market means they could offer u 15% 364days from that investment they made earlier, so its not fresh like the primary market where bidding takes place.
below are the fees deduction from fbn

say you invest 1milloon
at 10% 364days
interest ought to be 100,000

custodian fee(0.125%) - 125naira
commission fee (0.10%) -100naira
transaction fee (#100) - 100naira
Vat (5% of all three) - 5% of 325= 16.25

making a grand total of 125+100+100+16.25= 341
so after deducting 341 from the 100,000
your actual interest will be = 99,659 for the year
this should be the charges on 1m investment according to first bank.

Alikote:
what of land bought in lekki in the 90 how much is wort today? what happen to the tb and bond held by iraq,libya,syria yemen govt u
think they still pay ...didnt u know that Greece default on it treasury bills and bond payment ,Cyprus also, etisalat also defaulted twice on there commercial paper

bro you are shifting the goal post, i was particular on the speculative purpose you were strongly promoting here.
I didn't compare Nigeria's tbills or bonds to other countries and I don't see the relevance of you bringing that up here. What business is it to us if Iraq defaulted, tbills globally are regarded 99.9% risk free and Nigeria hasn't defaulted since inception according to my findings.
in the 90s, some people bought land at ikorodu, lekki or even festac but the rate at which value appreciated was different across the areas. That u bought a land 1naira doesn't mean it will cost 20naira in the next ten years or even 30yrs, its no guarantee. its all speculation!!! I have used opic agbara as example
Before professing investment ideas to people, you should ask then
- How much risk can you take?
- How long are you willing to invest? (short/long term)
- How much interest rate are you looking at annually?

You keep mentioning transport business as if it was cheese cake, to run a keke biz or bus biz is an active work oh. Giving out your keke/bus in return for daily return is very burdensome. infact most people into the bizness will advice that u drive the bus/keke instead of giving it out.

too many dishonest people out there, its one story or another not forgetting the risk of an accident.
I come from a well grounded bizness family(SME tho) and I don't know why u make it seem bizness is all rosy because its not...

As an importer u can lose 10million naira in just one container, its that volatile.
Yes business pays better returns than debt instruments but can you stomach the risks involved?

I can go on and on and on, Tbills has saved life's, my family included. If most Nigerians who run savings account knew of treasury bills, I am optimistic that majority will refuse to keep thier money in the bank savings account....most will opt for tbills seeing how risk free it is.

Alikote:
so in the long term speculate ....buy good land in developing area ...study the development projection (dont build to rent waste of time) open dorm account keep some dollar ,buy long term bond ,they invest in tb also do small bussiness ....this is the mix to get rich (safely) nb a land bought for 720k in 2004 was sold for 10 million naira in 2013 :that over 1000 percent

baba see the way u just dey beautify speculation, speculation is more like legitimate gambling.
as at 1990-1991, a plot of land was bought at OPIC Agbara at about 100k/plot.

with this your analysis, one would expect that a plot of land there would coat tens of millions in 15years but na lie. the land which is over 25years old from when bought is just within the range of 2-4m/plot presently.

because u bought a land 10yrs ago and now it has appreciated times ten doesn't mean it will always happen like that everywhere...I used Opic agbara as an example.

speculation is fuckin.g dangerous, telling people to store money in their dorm account for cash rewards in the future is dangerous, we have seen how the exchange rate has crashed these few weeks and if conditions surrounding it gets stronger and CBN continues defending it, speculators will have thier hands burnt like it is presently.

Also telling people not to build to rent is a very flawed idea. People should be investing for cash flow (let this sink in)
Renting @ property gives you cash flow which should be the no1 priority of any investment. Infact according to the land laws its actually an offence to leave a land fallow for two years in Lagos(this isn't enforced anyways)

so why should I go around buying up lands up and down all for speculative purpose when I can erect a structure and earn a decent cash flow annually or monthly?

Do you know what could happen To you tomorow, one could be disabled from an accident or have a life threatening disease that will put you out of work for good, then what next?
Its that investment that generates cash for you daily, monthly or annually that will keep you going(feeding, upkeep and expenses in general etc). You have been making good points tho, not until this comment you popped out