₦airaland Forum

VAR as used in the EPL is just one big joke!

Everything has to be done to bring to the standard at the La Liga and Serie A.

Liverpool vs Man City? That robbery appears to be a compensation for the bad officiating during Man Utd vs Liv or simply a clandestine plot to stop city.

What do I know sef? Only relieved it took us 9pts clear of rampaging Cityzens.

Pafoma:
Yes, acquitances and friends i used to be close too. A few of the friends, we just greet but no close bonds any longer although not because of her but i just moved on from an unfocused & unserious lifestyle.

Yes, i am talking about both dated and just a few times together..
Straight like she has realised her former lifestyle was foolish. Not exactly having casual sex but but guys that persuade/pester her that they like her or they dated briefly, she had something with them.

She realised she was just being used and non of the guys that assured her of their faithfulness were true, they all just did her and moved on.. i am sure you get!

You are about to step on a Mine! Like gambling habits, uncontrolled sexual desires are second nature and could be hardly extricated from.

Since you claim you love her, you could proceed on the condition that you also believe in DIVORCE.

barinedan:
And why do unemployed men keep girlfriends if they don't have money to cater for the needs of the girls. If you can take care of a girlfriend then taking care of wife should equally not be a problem

That part about gf is tricky. You aren't absolutely responsible for a gf. She comes with a long list, you prune it or dodge being responsible.

Good thing is, some girls will still be with you because they know you are their only option. In such cases you chalk up good 'time' being a boyfriend.k

Guy, but if you're married, no dodging those things you validly escaped as a single. As a matter of fact, if you parry your responsibities asa husband, you in-laws oran ex of your wife would bail out and you'd betotally demeaned!

Responsibilities of being and staying married are huge and signing up, for me, shouldn't be by faith. There was a garden that Adam was tending to when Eve was created for/from him. Though the bible says: He who finds a wife ......and obtains favour from the lord, God only promises to bless your waters d bread as well as the works of your hands.

If you are misguided into marrying while believing God for a job, you're toast!

Please be guided.

AwkaetitiBabe:
I'm sure she has worked and saved what she can. Remember there are those who has worked for 10yrs without 50k in savings now

I know and I did modify.

In the modification, I said helpers /partners/contributors would want to know the volume of her savings relative to her earnings. And this would be gauged against her responsibities before they would want to sign-up to her idea.

mabea:
If you can't save in your 8-5 job then you can't manage a business successfully. Business is like raising a family,you take full responsibility. Best option is to save some funds because you will feel discouraged when the people whom you hoped would help you fail you.

Here, is the realest truth!

When you get tired of an 8-5 job and is seeking to take on entrepreneurial challenges, helpers first want to know how much you saved relative to your earnings and scale of responsibities. Tbh, nobody else believes in the beauty of your dreams as you do, as such you won't blame people when they don't seem to share in the excitement or optimism you have about a new venture.

Even family that are well placed can be sceptical about pooling funds for the children's start-ups at times. So, the best bet is savings. Then family and friends.

If you're looking for someone to bankroll a theoretical idea, you may wait for longer than it takes to save up the money.

That year, a guy who was linked by a mutual friend wanted me to partner him in a new venture. Over the phone he made all rosy rosy projections and I told him we could deal on 50/50 contributions subject to other conditions too. He agreed! When it was time to make his, he said he hadn't money at all but the idea and that I should loan him his part of the business finance promising to pay when westart sharing profits.

I simply laughed and asked him to check if I had dada (a fool).I was gracious to tell him I can choose to start that business and employ him if I was sooo interested. No way you can say you have an idea you are not willing to spend oll of your savings on.

So Op, save first, then talk to family, then friends, then partners. No loans please!

SirVintageCock:
2k can clear the bush pending when you fix your net. Or you can get the net and pressure him to put it up. No matter how crude it is, it will still serve.

Stop having kids until things turn around.

The man or the wife can clear the bush. While the nets doesn't cost more than #450. As for the man and hustle, unfortunately, you can't learn the use of the left arm when old.

Op should pray he gets his break vide the political appointment he fantasises about. After all, we can now see how people view positions of public trust and can now understand why Nigeria doesn't make progress.

ST305:
Like my previous quote I'm not here to prove anything to anybody. It's like you don't get me at all.

Like I mentioned, I asked her, she said I rolled under. I did not say I did myself. She told me I did. I find myself under it. She told me I rolled under. It's not my concern how I rolled but WHY did I roll? Look sir I'm not going to prove anything. The information I've given is enough like i said if I'm to say everything it will take a whole day. I summarised and need opinions and advise.

Besides I don't need to narate to you how I told my parents about it and they said 'It's nothing' neither do I need to narate that my parents are not really Christians. I'm the only convert in my family. Ok I should have said that right? I never said my parents don't know.

She told me no sex enphaticaly. What ensued afterwards is not needed to be shared about how I try to put her in for sex still.

Sir please be open minded if you think this is this is a joke good for you but don't try to mess with my intelligence.

I have followed your thread to this point, I would continue. It makes an interesting read not because I would wish it on an enemy.

Your wife mirrors a character in a bookI have read:The Concubine. Ihuoma (I think is her name) had a child for a guy she loved and got married to but guyman died mysteriously. She made attempts at two other relationships but those guys equally met a similar fate as her first love As a matter of fact, the last guy died from an arrow shot by Ihuoma's son who was hunting for a lizard they intended to use as sacrifice to exorcise/appease the spirit husband.

This one is strong! ....and deadly too since you're up against an invisible competitor. No doubts about your wife having a spirit husband. Those guys are the same, they would eventually kill you when they get tired of sharing you with their wife.

You know what I would do because I don't want a further complicated life? I would run! I do not love enough to wrestle a wife from a spirit, as such I won't do a thing to help her get deliverance. That's for her to sort out.

Even man wen e dey drag babe with person wen e dey better placed dey suffer oppression and humiliation, not to talk of person wen dey follow spirit drag woman.

emeijeh:
So the woman was still playing away games.

Shame

Not necessarily so. The worldview of some men, who despite being largely unable to cater foe the needs of their families, wouldn't mind having more kids should pregnancy result from their intercourse, is the reason some women would secretly procure an abortion when they fall pregnant.

Afterall, it's them that feel the agony of a starving family the more and also the brutal irresponsibility of those husbands

Appears Kola dis not learn anything with the defeat of Atiku and thePDP hence this amorphous postulation about a State being its traditional stronghold.

With the wider majority trapped in debilitating poverty, we are simply in an era of money politics. Those that are comfortable don't go out to vote, citing a likelihood of violence while the poor folks, including students that vote would only do so after financial inducement.

Nothing inspires about governance in Nigeria, but if the PDP wishes to win, they should be ready to grind.

Dogon turanshi has never helped anybody in politics

Gandollaar:
This is why buhari wanted to be president by all means.

We pay his medical bills.

Feed him and his family.

Pay for their trips all over the world

Pay rent for his friends and extended family.

Have them take over national assets on his behalf.

Flesh and blood did not reveal this to you.

NoToPile:
Hope the bolded will still be your opinion if the situation is one of the following

1. Husband is jobless and wife takes all the responsibility till he gets something doing is the husband good for only divorce.
2. Wife doesn't even earn at all.


That aside my post was talking about a wife that doesn't earn anything, does that mean shes good for nothing? and even if she earns it is the mans responsibility she's just assisting thats what guys of these days don't understand.

Its your responsibility to take care of your family, your wife can only help out its not her responsibility.

My brother, the Op said she works and earns. That's the basis for my position.

To the part where you asked if the husband is jobless, it rests on the woman to take whatever position she sees fit and believe me a majority of women will throw their husbands overboard if the husband loses his capacity to be solely responsible for the family. The few who take on full responsibility become overlords and excessively irritating. Reason why a good number of men who survive such temporary reversal of roles tend to marry new wives when they are past such dark periods and the horrific domestic experiences.

For a woman that doesn't work, the husbands would be good to provide to the extent his resources can carry, and then again......those ones are not as disrespectful as the greedy and selfish working wives.

You may have to be educated on how changing demands of the workplace/marketplace put women at an advantage. And if it so happens that you wife earns a multiple of your take-home, would you be daft to allow her save up her waged or spend as she sees fit, while you labour to provide for a family that includes her?
God forbid! Such a woman is only good for divorce.

NoToPile:
With the way people are harping on ' Do you contribute financially to the marriage' considering that the op and husband works makes me wonder if being a full time house wife is an excuse to disrespect a woman.

Is it not this same Nigeria that we have seen women become full housewives even if its for a while maybe because of lack of job or something and their husbands never treated them bad.

What if she doesn't contribute financially is that an excuse?

Too much boys on nairaland, wahlahi.

People have suffered oo

You think it is infantile to ask if she contributes financially to maintaining her home since she works?

How easy would you feel if you are required, by your wife who earns, to be solely responsible for all the bills in the home: rent, feeding, healthcare, clothing, security, fees, parents, entertainment.ete.

As for me, I'll resent that wife and see her good for only divorce.

I'll assume you're married. Except you earn super-high, there's no way you won't feel cheated if your wife saves all her earnings while she expects you to be absolutely responsible, especially if you live in a large city.

Doktajay5:
In your mind now, you have given her advise sheby.

Well, even from one of her reply upthere, I think this is the type of advise she has come for, other than the workable inputs people are making.

So you think the next man will be Jesus Christ, who will not have issues for her to tolerate.

@ Op, granted, ur man is getting hard on u with such level of verbal abuse. It simply means to me he has anger issues and this type of personality that wants to win the argument or get hard on u when arguing, probably cos of u own words of respons in the argument. Is rather unfortunate, sorry about that. but is not a big problem since it has solution and that's the essence of the ideas dropping here.

But let me ask you, so Just 2yrs and you want to run away from your home cos of being disrespected and verbally abused. So you actually think all men and in women in marriages don't have things dey have subdued with wisdom and tact?
What do u think the priest meant that day he said in good and in bad till death do u part. OK u were busy laughing and snapping pictures? Is fine.

When u were dating him didn't u see this issues with his temper? OK u ignored it and was busy strafing up and down?. OK, sorry is part of the decision u made. Just make it work.

See eehh, that guy loves u, but he has a weakness, which is anger, probably made worse by ur mouth and choice of words during ur issues with him. dude doesn't lay hands on u but talks. And for ur arguments to get to where he says all that, is only God that knows what u say to him.

Madam listen and listen good, that marriage working or crashing depends on the wisdom u exhibit in your home affairs.

Already u r craving for attention and care outside. wow!, Really?, So that's part of the solution you provide?
I want to believe u ain't telling us all the story, But I am not interested, just sit back and make ur home work.

If these advise we r giving u sounds to much and impossible, and u feel:

1. u can't tolerate ur man's weakness and deploy workable antics.

2. u can't keep quiet when degeneratable arguments starts.

3. u just can't shut up absolutely,u must reply.

4. u must reply and even use more hurty words cos u want to win the argument or better still hear words and start playing the victim.

5. U can't learn to deal with him with silence on issues that may degenerate.

But prefers things like, eeiyaa, he is a wicked man, he is an abuser, he is a cheat, he's this he is that, he deserves divorce or other shit u obviously want to hear, madam, Oya divorce him and go look for Jesus Christ, who won't have issues u may have to deal with. U think marriage is bed of roses.

Just know that the grass isn't as green as it appears, on the other side. For u to start suspecting ur man all of a sudden, and start craving for love, attention etc outside, yet u don't want to raise a wounded personality in your child, Madam, watch it...

If u say make man and spirit no kill you, don't kill ur self by your self.

I may have sounded mean. But I feel it's the best way to talk about this your mater.

Oya make ur choice between the 2 ideas and have a nice week ahead.

OK bye.

You've said right my Oga.
Some women know what men go through but comfortably choose to ignore it. She actually thinks a man with just a child go out and refuse to buy baby food for his baby while having the money?

Now the street was flooded and she can't go out, yet she decided on maki g a fuss about it when she could easily have given him the money to buy the infant formula since she claims she works as well.

How do women become burdensome that a man would feel relieved by their exit?

1. A number of them would rather the man slaved to death ti maintain the home while the save up and do what they please with what they earn.

2. Some would encourage meddling from their families like her mom brought in foodstuff to the 'IDP camp' since she got it cheap. ..And you know why this would infuriate a man? Some MIL's would go broadcasting that they are they ones feeding their daughter's husband because of tiny foodstuffs.

3. She could still be having active links with exes or seeming available to explore while being married. After all she wants to seek love outside as she's done with her husband emotionally.

Madam Op, please do as you see fit. I can assure the guy would be as relieved as you are should your marriage end at any time.

Presido24:
first one

I saw this now and is dazed. You are to pay an interest of close to #3,500 on 18k on a month?

What were you thinking? I don't know if this Okrika business is sooo lucrative but you didn't start well sir.

We wen e dey borrow from some lenders at 5% monthly interest rates. (flat) dey complain na come this one?

Hope you find the help u need.

AwkaetitiBabe:
Your own even better. Mine was one cup of Garri for 3 days. I go soak am for one hour make e rise finish. Kai

Allahi Akbar! Some of you really fought a serious war o.

Story I heard that was close was my bigger bross. Said they'll soak the garri and put in the refrigerator and eat as long is it lasted. His happened in the late 70s.

Presido24:
I'm really sorry for not replying his message, I can swear to you I didn't see the message..as for me being a thief, I can assure you my story is genuine, in my short time on Earth, I know I've done some bad things I'm not proud of, I've stolen things a lot..I'm not the most righteous man there is...But one thing I can assure you now is that I'm telling the truth..TBH I just felt like revealing my story here, knowing the possibility of being helped is very slim..but I just did it all the same, perhaps I thought I might be able to convince someone to help..but I know it's near impossible...But one thing I'm very sure of is that if I can't find a way to resolve this mess, I will give in to suicide ..No hope for me brother

Without meaning to sound insensitive, did you borrow 50k to start the Okrika business?

If yes,...I take it that you didn't even have an outlet where you intended to market your wares and that either makes your story suspicious or you very stupid.

Then you talked about expenses that just came unexpectedly to liquidate your supposed venture capital? It is well!

Lastly, you talked about property. In a space of 30days, what have you sold to raise 50k to make you want to manipulate emotional members of the public with suicide.

Broda, this your stori no dey add up

Though I cannot claim to speak for others, I think, for guys (like me then) whose friends have started having their families, the plan to start one was estimated for 6 months after our wedding, after we may have defrayed a sizeable chunk of the wedding 'Igbese'.

But according to God's account pregnancy came 3 months earlier and every other thing fell into place.

If money dey, and baring other encumbrances , e good to start straight up after wedding. Nonetheless, God has the final say because some got wedded and had to be constrained to wait 17yrs thereafter to start a family.

khalids:
From alot of comments above, it appears a lot of people have a criminal mindset....

So you want to borrow money without paying back....which kind of nonsense is that....Infact not just that, you have money to pay in another account but refuse to settle your debt......

Funny this is what nigerians do to each other, you borrow someone money they will refuse to payback, until the whole thing turn to fight......

TERRIBLE ATTITUDE

Maami, you don't have a clue how morally depraved a vast majority of Nigerians are. It would shock you to know that a lot of people access loans because, in their small heads, it is one avenue to corner someone elses' money.

A society that now glorifies internet fraudsters, ritualists, kidnap kingpins, drug lords and the likes as "big boys" should tell you how terrible our morals has been reconfigured.

My understanding is that this directive is aimed as curbing excessive incidences of Non performing while seeking to expand the band of loan beneficiaries to cover those that don't have the 'Collaterals' as we know it.

It is the way to go. It would be a huge relief to people like me that have in the past accessed loans at rates that eventually make you slave for the lenders than you gain for yourself on the venture.

frowland:
All my rooms are ensuite with water heater and AC. Sitting room have 2HP standing AC, and kitchen have water heater. So yea, I consume and am happy to pay what I use. My advice is, people should be careful asking for prepaid. I have a neighbor who have to off everything and yet pay 3-4k per month. When you come to his house, you first ask if they have taken the light as everywhere is quiet. Yet he pays 3-4k for it.

There you have it!

No disputing the fact that you are a high power consumer. And quite good you don't have a problem with it. Estimated billing is such robbery that I can only wish the Senate follows in the footsteps of the HoR, while the President assents to it when it reaches his desk.

There should also be an addition to safeguard the interest of Discos:

Bypassing prepaid meters by criminal elements, with the intention of frustrating the business of Discos should attract huge fines or prison terms else we won't make progress in the power sector.

bukatyne:
Kudos to him.

May you be able to be a source of pride to him and continue his leagcy

Amin. I'm set on course, Insha Allahu

bukatyne:
Children would always like the parent who was really there for them.

At childhood, you can deceive a child with sweets. When he or she is older, the ability to judge a parent for whom they really are is gotten.

That is the stage most fall outs happen.

Can't agree less with you.

I don't have the luxury of declaring preference for one against the other. Momsie has passed on. However, when she was around, no contestation about my preference for Poppa.

With all his baggage, which included having 10 of us and earning as an under-rank in the Army, I haven't seen more responsible, forthright, disciplined and loyal fathers.

He is my friend; impacted me with sterling virtues; sacrificed the most to make me access the most of the opportunities his lean resources could afford.

My father any day!

vinceobe:
Do not bank on this. A sin has been committed. There is repercussion. No sinner will go unpunished, says the bible.

whose sin are you talking about here sir?

vinceobe:
Do not bank on this. A sin has been committed. There is repercussion. No sinner will go unpunished, says the bible.

which sin? Whose sin?

People Wey no know their lane. They are yet to deliver on making laws for the good of the country and the wellbeing of her citizens and are now fantasizing about appropriating the functions of the Executive?

Yeye dey smell!

loveymom:
There are men who will never admit their fault until when caught in the act. That's why I asked she invite the families to discuss the matter.

She said she already asked the husband and he denied it

I don't exactly consider it 'righteous' to call an extended family meeting on the hubby on account of this. It would hurt him greatly to have people who ordinarily should defer to him query/probe him for something he would be too ashamed to admit if he is the culprit.

If he is wise and can consider the wider implications of birthing that baby he would confess before it is too late to terminate the pregnancy and at least seek the forgiveness of his wife.

I laugh at those seemingly pious fellows that sat said she should be allowed to give birth so madam could just take/adopt that child as her own. How pedestrian? I can assure such union would never recover from the dislocation the birth of that child would cause /bring.

My take is: the girl should be begged /encouraged to have an abortion to forestall the dangers ahead so everyone could have a closure and look to means to mend the cracks yet.

Is abortion bad? Not at all! Not when it saves you from making your life hell. When it wasn't convenient to have a family, i aborted with my side kick in 2011, but as fate would have it side kick turned wife in 2017 and we have a cute daughter together now.

Let's not make life complicated; it's a simple something!

Don't we serve a living God?

A vision that's been largely unable to grow a herd of cattle above 150 for as lo g as i can remember.

[quote author=micflo28 post=82170105][/quote]The ceiling of #200,000 on borrowing is what applies to my cooperative, with a 12-month repayment period charged at 10% one-off deducted at the point of payment. From your mention, it appears same applies to yours. That is quite cool.

But, if you are looking at borrowing 1 mil, then you may be mistaken, especially if you are looking at starting a new venture. Projections of instant hit/growth /consolidation only exists in ideal cases in your plans and not in reality. Please be guided.

As for BOI, I have not tried them and do not know the requirements or how much politics is needed to access their loans but their rates are fair enough.

I'd advise you shelve your business idea if you cannot call out 60% of personal funds to start it.

Reason I haven't suggested family or friends is because I would not lend you money to gamble on a business you cannot commit all of your savings on for a start if I was your friend or brother.

micflo28:
Please how about taking loans from my cooperative at my work place? Anything to take note of?

. An African proverb, I think, says you don't test the depth of a river with both legs. That said, there are levels where 'bad' graduates into 'worse'.

Generally, start-ups financed by loans are most likely to be stifled to premature death with having to be burdened with repayments when they are yet to get a fair market share reason why peeps are advised against loans for new business or ideas.

Having, accessed different kinds of loans in the last 3 years, while currently benefitting from two, I would say loans from Cooperatives are better than those from Commercial Banks, which are in turn better than those accessed through MfB's. The best being those sourced through government grants or agencies of government like DBN, BOI and the likes.

So to answer your question, the first thing to take note of is the interest rate. The cooperative I am (actually now an executive member) charges a flat rate of 10% (one-off) all loans. Though we have a varying tenor for repayment which is based on some broad categorization e.g 6 months, 9 months and 12 months. Though, our only limitation presently is that borrowings are capped at #200,000.

So if your Cooperative offers such or more alluring interest rate, and you can ensure the debt financing is not more than 30% of your business capital, you may survive even if you are starting a new business.

Dessyguy:
They are equally important but salah is too selfish. That got Mane infuriated

I would differ with you on this sir. While, they are both important to the team, Mane, for me is the more important.

eni4real:
You fail to mention the man that make it possible for VVD today, Origi

. Origi's a part of the team. I like him a lot and is not mindful of the fact that he was the most most vital person that stood up to be counted when Salah, Mane and VVD were unavailable.

I'd like to see him more this season.