₦airaland Forum

If you will take my advice. Check the list in the picture below, bang altcoins & shitcoins you know will pump massively throughout the year after making your research.. bang enough

Synord:
In this thread , we are seeking to know what type of business and investment should a person who wants to be financially independent go for in 2022 ? A legal one that is acceptable to our rules and regulations .

If you have a business idea , you can share and seek opinions or even get someone that is ready to partner with you . You can never say .

Wishing all Nairalanders a prosperous new year in advance

Top of the hour to you sir,
Do need Insurance Product, I can be your plug � for all classes of Insurance

Lincoln275:
Impressive

Can you sponsor a woman to Brazil to start the Akara business, then you get reimbursed or be an investor in the business.

Thanks

walkbrazil4k:
I know when I talked about doing Akara business in Brazil many would probably laugh because we don't package Akara in my home country where Akara originated from, in my home country Nigeria we call it Akara, and in Brazil, it is called Acaraje, so I was going to get something at the supermacado(supermarket) and I saw someone selling Akara.

In fact, no need to type much just look at the pictures below, Akara is a serious business in Brazil and in Salvador a state in Brazil they love it there, for me I am all about good and legit business and I can do it and Brazilians would buy, just that my hands are full now, just find a good spot trust me they would rush you and you can even add fries and beef as an extra order, stop shouting no jobs in brazil, create one.

https://www.walkbrazil4k.com/2021/12/updatei-told-you-akara-is-big-business.html?m=1

Zeh �

Kneephy:
Zaaazuuu


Pocotua


Baddo gbemi Trabaye...


U gerrit??if u don't gerrit forgeh abourit

OP are u the one that write this or you lift it from somewhere.
So you bury someone else son, husband, brother without the knowledge or consent of his family. Infact the original owner and poster of this nonsense findings must be out of their senses.

Ndlistic:
OAU MBA Student Death, 12 More Facts Emerge - Vanguard For The Truth Foundation

12 more facts have emerged on the case of the Obafemi Awolowo University, Ile-Ife MBA student, Timothy Adegoke Oludare whose disappearance and eventual death has been generating a lot of controversies in the past couple of days and has led to the arrest of the owner and 6 staff of the hotel where he allegedly lodged before his disappearance.

Aderibigbe Adekunle of the Vanguard for Truth Foundation, a non-governmental organisation made it known that;

1. There are indications that there are some new revelations about some of accusations made against the Ife-born educationist and business man especially by the brother of the deceased who has been going all over various media to accuse the hotelier of using his brother for rituals

2. It was gathered that the initial denial of the hotel management as to whether Adegoke lodged with them was because there was no record of any payment by him in the Hotel’s account, but it was later that it was detected that he made payment into the personal account of the receptionist which normally is wrong.

3. Another fact discovered during the investigations was that the hotel had operated for less than 2 years and had never recorded any death as the public was led to believe by the deceased brother.

4. Also, the lady receptionist who was recently employed by the hotel is on a salary of twenty-five thousand naira (N25,000) and not two hundred thousand naira (N200,000) as being spread in some media

5. It was discovered that the person called Alfa which could be misinterpreted as an Islamic cleric and possibly a spiritualist or ritualist is actually a plumber and maintenance manager in the hotel and is neither a cleric nor a ritualist.

6. As a very busy person, Dr. Adedoyin is not personally involved in the day-to-day running of the hotel in question as he has other more important businesses which include

5 tertiary institutions within and outside Nigeria, security outfit, publishing and hospitality business.
7. It was also found out that Adedoyin did not become rich overnight like many wealthy Nigerians, but has been in the business of education for more than 40 years starting as home lesson teacher, owner of tutorial college, a private polytechnic, and a university before venturing into the hotel business.

8. From investigations on the fees and population of Oduduwa University alone, Adedoyin obviously makes money aside from universities owned by him in the USA and Ghana where they pay in dollars and many other businesses and investments that have good returns, so he does not need any ritual.

9. It was also discovered that Dr Adedoyin is a devout Muslim who has performed holy pilgrimage to Mecca and Jerusalem several times. He has also greatly contributed to the development of Ife land and Osun State

10. Contrary to the claim that the exhumed Timothy’s corpse was mutilated, the whole body parts were intact and the autopsy being conducted was to discover the cause of death.

11. A fact being overlooked by many is that according to the earlier statement by the wife, the deceased was sick when he left home, and that was one of the reasons the wife kept checking on him by phone calls.

12. Also, Timothy’s elder brother openly threatened to tarnish and destroy Adedoyin’s name and his businesses and has been doing just that, on different social media platforms to drag Oduduwa University into a matter that happened at a hotel.


Previous threads
https://www.nairaland.com/6850143/adegoke-timothy-oludare-disappears-after

https://www.nairaland.com/6851767/missing-timothy-adegoke-found-dead

Very easy to identify anyone whose stupidity is by Inheredity... Just pray your children find divine so they will not pass it to the next generation

Nigerialabalaba:
Nonsense report as usual from bloggers wey dey form journalists. Shiorr. If every internal memo wey dey be news, dat means say una no get job niyen.shiorr

Btw, trading crypto no be job o.. All the artisans , printers etc in Lagos now don quit work and don turn to crypto. Dem get work o but just abandon dem work dey do Bitcoin . E go beta make government stop dis crypto madness o.
Lazy people wey dey look for free money. Awon ole ole! Shiorr. One wey I know never go him shop for months now becos of dis nonsense crypto get rich quick mentality. Thank you FCMB. Na laziness and get rich quick mentality dey worry dem!

Imagine someone wey be 18 to 30 years wey dey waste hin youth and time wey e supposed use get right skill, experience and network dey decieve himself say him na crypto trader. Shoro niyen? Awon ole! Lazy lot! U will suffer in old age if at 18-30 na free money and get rich quick schemes you dey chase. Go work! That plumber get job o but him abandon all the job dey do Nonsense crypto. FG must stop dis madness o before dem grow up to become armed robbers.


Lazy yoots! You go see dem dey wake up by 11a.m dey stretch. School dem no go, work dem no learn and if you give dem job,ur own don cast patapata be dat. Shiorr!!

If they are making it on number of Goals for Lewy then there is another award for that category

Raalsalghul:
Source: https://www.mirror.co.uk/sport/football/news/ferdinand-lionel-messi-ballon-dor-25366032

Lemme beg my own before you quit social media.. I need like $50 or more to my octafx trading account if you can be of help.

God will continue to bless the Givers

Idamond:
Good Nairalanders!

Don't mind my typo terminologies


I don't know if there's anyone facing these some thing..

Can you get the enjoyment in grave? And if you are looking at the 33k stipend; is something the govt can still pay if they want by giving the money for 1year after graduating without sending anyone to war. Lives and security matters first

Sonnobax15:

After passing through hell in any NIGERIAN higher institution for good five years, someone will now come out and say he wanna scrape out the only source of enjoyment wey be just for one year after surviving those years.....E no go fit work na

Abacha

Ok thanks.. I will love to apply if I can get the loan somewhere.

I will continue follow up sha

Limassol:
That's right, universities are tuition-free in all of Germany bar one state:Baden wuttemburg. That said, your total cost depends on your budget and choices but all in all, i belive 7milion is enough to get you started.

Do you really mean universities in Germany are tuition free, and what will be the cost on my side to relocate to Germany and study computer engineering/web development?

Thanks

Limassol:
In my humble opinion,i strongly suggest you leave the country as everything here is against you - from the stagnating economy to inflation,insecurity,corruption and nepotism the list goes on. That said, if Canada is beyound your reach opt for Germany,universities there are tuition-free.

Kindly message on WhatsApp 08135102690

GreaterFuture:
Ook...

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See Signature for Contact and Whatsapp, thank you.

It will not be nice if they just kidnap them and release them after paying ransom because it's our money they will still use to pay the Ransom.

Solution;
Let them dig a very big hole with an excavator or any other machine on mass land area and throw the kidnapped politicials & bad leaders inside from top to bottom then throw some bombs� inside to bomb all of them once and for all

slowice:
Personally I ll have no issues with them if all they do is to kidnap politicians..... It would really be nice to see that happen

Never regret reading this long nice interview story.

It gladdens my heart when I hear women investing in crypto while some age stone men continue call crypto a scam

BigCabal:
Every week, Zikoko seeks to understand how people move the Naira in and out of their lives. Some stories will be struggle-ish, others will be bougie. All the time, it’ll be revealing.


What’s your earliest memory of money?

I’m not sure I remember. I never thought about money while growing up because there wasn’t any need to. I was an ajebo who lived a very sheltered life. My parents were lawyers who were doing quite well, and we didn’t lack anything.

It wasn’t until I went to secondary school in 2000 that I began to understand what money and wealth meant.

How?

I went to a federal government secondary school and lived in the hostel. It was a melting pot of social classes. The quantity and the brand of the provisions everyone brought to school determined where they belonged. I never felt inadequate, but secondary school made me realised how privileged I was.

I graduated from secondary school and got into university to study law in 2007. At first, my dad sent me ₦10k every month, which was more than okay — you could make a pot of soup with ₦200 in 2007. After the first year, he got tired of the monthly deposits. So he changed the way he sent me money. He started sending me ₦100k in the first semester to cover my tuition fees, accommodation fees and monthly allowance. During the second semester, he sent ₦60k. Now, it was up to me to manage the money and make sure it lasted the three months I stayed in school for every semester. But even if it didn’t last, I could call him to ask for more money.

I won’t lie, my dad spoiled me. But my mum? Left to her, ₦5k was enough.

Haha. Do you remember the first thing you did that fetched you money?

Yes. I was in 300 level when I felt the need to hustle because I had friends who were working to make money. I got an ushering job for a wedding, and the pay was ₦2k. I was so excited. In my head, it was free money. Guess what happened at the event?

What?

I fainted.

My God!

I had low blood sugar. The lady who hired me was frantic and said things like, “If you knew you couldn’t do the job, why did you come here? Do you want to spoil my business?”

Luckily, a doctor was at the wedding and attended to me. After resting for a couple of minutes and drinking a bottle of soda, I was ready to continue. I did the job and got my ₦2k at the end of the event.

You earned your ₦2k.

You get. After that, I said to myself, “I did not come to this life to suffer,” I returned to my ajebo life and didn’t make another attempt to work for money until after university.

Tell me about that.

I was mobilised for NYSC in November 2013 and left the north-central where I grew up for the south-south. My dad paid my house rent, which was ₦120k. After that, he gave me a stern warning. I don’t remember his exact words, but it was along the lines of: “I’m not going to give you one kobo, and I expect you to save ₦10k monthly.”

I had to survive on the ₦19800 the federal government paid and ₦10k I got from the law firm I worked at. I cut down on a lot of things or went for cheaper alternatives in my service year. Not like it was hard, but I wasn’t used to it.

I managed to have ₦40k in my account at the end of my service year. I felt on top of the world. But I was also like, “Freedom is overrated. I’m going back to my father’s house.”

What did you do after NYSC?

I chilled at home for a bit because I didn’t want to work at my dad’s law practice. While I was at home, I started helping people incorporate their companies with the Corporate Affairs Commission, and I got a lot of these clients through my dad. I was getting about ₦15k and ₦50k from these businesses depending on the size of the company I helped register.

A year later, I got a job at a family friend’s law firm. The salary was ₦40k, but I was allowed to continue my CAC runs. My earnings on most months were between ₦60k and ₦80k. Six months after, one of my aunts reached out to me and told me that one of her former bosses, who had just started a new job at a high-ranking government office, was looking for a lawyer to be his executive assistant. I interviewed for the job, and I got it.

The office didn’t have a budget at the time and asked if I could work for free for a few months, but they would pay me a monthly allowance of ₦60k. I would have accepted the offer even if they didn’t offer to pay me anything because of the kind of people that worked there. Nothing much happened until December when I took a break to get married.

That came out of nowhere.

Haha. We were family friends and had known each other for years. Our parents sent the ball rolling, and we started dating officially in March 2015. A few months later, we got married and moved into one of his dad’s houses.

Ah, I see.

By the time I returned to work in January 2016, my workplace finally had a budget and could pay me an actual salary.

How much was it?

₦315k.

That’s a significant improvement from ₦60k.

It was. The good thing was that aside from the occasional shopping I did on ASOS, I had no major expenses, so I was saving most of my salary. In less than four months, I had more than ₦1m in the account.

However, I started to get restless.

Why?

The structure of the office where I worked meant that there was no job security. A change in government could mean I’d lose my job. I started looking for opportunities to change my workplace. One came in August 2016 when a senior colleague was appointed as the managing director of a government agency. He wanted me to come with him, and I agreed. My starting salary at the government agency was ₦382k gross. My net salary was ₦250k.

This was less than your earnings at your previous job.

Yes, I took a pay cut on paper. However, there was no health insurance or pension scheme at my previous job. Also, the agency where I now worked pay me a cut of my annual salary at the beginning of the year, and It was ₦900k at the time. I really liked that.

Fair enough.

I had job security locked down, so I thought it was time to focus on something I had always wanted.

What was that?

Investments. My dad always said that he regretted not investing more when he was younger and hoped his kids would do better. By the end of 2016, I started to give investments a go.

What was the first thing you invested in?

Two hectares of farmland in the outskirts of the city. The whole thing cost ₦3.2m, but I paid an advance payment of ₦1.7m. Subsequently, I paid ₦100k every month until I finished paying for it. I missed a couple of months, so it wasn’t until earlier this year that I completed the payment.

After buying the farmland, my sights turned to crypto. I heard about bitcoin for the first time in 2016 and thought I should get into it. One bitcoin was trading at $800 – $1000 at the time, and I bought one bitcoin. This cost me about ₦450k. A couple of months later, there was a bull run. When the price of bitcoin hit $3k, I sold half of it and held on to the rest.

At the height of the bull run, one bitcoin was trading for more than $20k. Then the bull run ended sometime in 2017, but I decided not to sell. The price of bitcoin started dropping but I still held on to it, hoping it would go back up. I panicked when it dropped to $10k, sold the remaining half, and got $5k from it.

What did you do with the money?

I put it in a mutual fund account. The total amount I had in the mutual funds was $10k. I had put in my 13th-month salary the previous year, the ₦900k lump sum payment I got at the beginning of the year and some of my savings into it.

Things were rough for a couple of months after that.

What happened?

I had a few health challenges. My health insurance package couldn’t cover the service I needed, so I upgraded my plan. My salary took a hit and was reduced to ₦210k.

I got pregnant in October 2017 and gave birth to my son in June 2018. Thankfully, we spent almost nothing on that because of my health insurance. My husband and I had also been saving ₦50k every month from the moment we found out that I was pregnant, so that took care of all the kid’s supplies and stuff.

I was on maternity leave for four months and returned to work towards the end of 2018. There was only one thing on my mind when I returned.

What was that?

Getting promoted. I was due for promotion after three years, and I was looking forward to it. That didn’t happen in 2019, but something else did. I realised that my marriage wasn’t going to work.

Uh-oh.

I started thinking about my options — to move into a new apartment or not. I couldn’t afford rent on my salary, so I decided to stay at the house. My ex-husband and I had an agreement that we were only cohabitating, and it worked. I contemplated taking a federal housing loan, but my dad advised me to buy land and start building my own house.

We found a plot of land for ₦6m. I liquidated some money from my mutual fund account, my dad loaned me ₦3m, and I paid for the land.

Here’s the thing: I bought the land because I was banking on my promotion. I planned all my finances around it. I was finally promoted in October 2020 after months of lobbying and politicking. My gross salary increased to ₦600k but my net was ₦420k. Now, I thought I could start building on the land I bought, but then the Lekki shooting happened. Like that, I couldn’t see myself raising my son in Nigeria anymore. I shelved the plan to build the house and started investing in relocating to Canada.


Two other interesting things happened in 2020: a colleague who knew I liked to invest money gave me an idea to build a student hostel in a neighbourhood close to a university. I got a plot of land for ₦500k, which was pretty cheap. By the end of 2020, I had spent an additional ₦1.7m on early foundation work for the building.

Also, I got a remote job with a law firm in the US.

Yay. How did that happen?

It became clear that I needed an extra job when they wouldn’t promote me at work. I told my friends that I needed help finding a new job. A friend who went to law school in New York recommended me to the law firm he was working for. Luckily, they were expanding at the time. I did the interview and was offered employment in September 2020. $15/hour. I did 66 hours in my first month.

Mad. What about the hostel you were building?

My mum came to me in January 2021 and told me that I wouldn’t finish building it on time at the pace I was working with. She offered to come in and take over the project. I agreed to it and both of us started injecting money into it. We finished building it in May 2021, and it ended up being a 16-room building. When I calculated how much money we spent on it, I realised that my mum had spent ₦7m and I had spent more than ₦4m. The budget was less than that, but inflation affected everything.

How did you raise the money you needed?

From different savings and investments sources. Remember I said my workplace pays me a lump sum at the beginning of each year? The money increased to ₦1.8m after my promotion. It went straight into my savings when I got it, and I didn’t use it until the project.

When I got my remote job in September 2020 and started earning in October, I was saving the money into my domiciliary account for my proof of funds. After I submitted my relocation application in March 2021, I took $3k out of the account and channelled it into the building project. Also, I added my remote job salaries for April and May.

I got some more money from another investment, although it was very risky. In 2020, I took a ₦750k loan from the bank. The dollar was trading at about ₦380, and I converted the money into dollars and invested it in a forex scheme. For six months, they paid me $300 — 15% of the $2k I put in it, and I saved each payout. I was supposed to get my capital back at the end of the 6-month cycle, but it didn’t happen. At the end of the cycle, I had $1800. Luckily, a dollar was trading at ₦400+ already, so I didn’t really make a loss. What I made from this also went into finishing the hostel.

We finished the project in May, and I had to figure out how to pay my mum back the money she spent. We rented each room out for ₦150k, and we agreed that the money we make from rent will go to my mum for two years. Also, I’d be paying her ₦200k for 11 months.d I’ve started doing that already.

Interesting. What has happened between then and now?

The law firm I’m working for in the US increased my wages from $16 to $20 per hour. On average, I work 80 hours per month, so I earn about $1600 extra every month. However, I don’t touch the money — it goes straight into my proof of funds account. My dad loaned me ₦5m for that too. I have $11k in it right now, so I guess that’s covered.

I moved out of my ex-husband’s house in May. We had a fight, and I decided that I couldn’t live with him anymore. I called my parents and told them that I was coming back home, and that was it.

Speaking of, what does your monthly running cost currently look like?

I returned to investing in crypto earlier this year and took a ₦1m QuickCredit loan from GTB. I invested all of it in crypto and have been paying the bank ₦100k every month. I know the market is still as volatile as ever. During the height of the recent bull run, I had about $6k in my wallet, now it’s $4500. I don’t care what happens to it in the short term. I’ve been here before, so I’m going to hold my position.

Hoping it works out. So what are all your real estate investments worth now?
I haven’t valued the properties recently, so I only know about how much I put into them.

Two hectares farmland: ₦3.2m

One plot of land: ₦6.5m

16-room student hostel: ₦15m

How have all of your experiences with investment shaped your perspective about money?

It’s extremely important to have money, but it should be seen as a tool to shape your life and your legacy. Money should always have a goal. My parents have done and are still doing their best to give me a soft landing. I want to build on that and give my son a softer landing.

My goal is to build something for my son and ensure that he has things that will always bring him money. That’s the way I think about what I earn and what I invest in. I also think I punch above my weight a lot, but it’s going to be worth it in the end.

I get that. Is there something you want but can’t afford?

A house. I don’t have a problem living with my parents, but sometimes, I want to have my own space. I don’t want to rent a house in Nigeria before I leave for Canada. I have land I can start a building project on, but I can’t afford to start that right now. I’m doing too much already.

On a scale of 1-10, how would you rate your financial happiness?

6. I wish I didn’t have to put so much time into working and making money. Also, most of my investments haven’t brought me money yet. But I understand that they are long-term investments, so I’m not in a rush. When the returns start coming in, I can expect to move to an 8.

Source: https://www.zikoko.com/money/naira-life/nairalife-of-the-lawyer-who-is-obsessed-with-investment-opportunities/

I have Toks iS250 available for sale

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Not suspended yet but the IGP only makes a recommendation to the Psc for kyari to be suspended

okaniudemba:
https://m.guardian.ng/breakingnews/abba-kyari-suspended/

Need connection.
I do printing job (screen printing & printing press), currently learning web development on my own but needs a mentor to put me through the technical aspect & further.. Also get some knowledge on cryptocurrency and little knowledge of forex trading

zanshi:
One thing they never told us back in Uni was how to maximise networking well enough in our social circle for career advancement, Ahmadu Bello University amongst a few, seems to be only higher level institution in my opinion that has utilized career networking to the fullest , ensuring every ex student of theirs is pushed to the top of their careers. You see them everywhere from ex ministers to governors to directors in federal government parastalls. That is to say, there must be something aside academia that is being instilled in Ahmadu Bello University students that makes them strive for excellence outside the four walls of the university.

I would like to trim my focus of Gen-Z and Millennials as to how we can do better in this regard. I went to a good private school both for High school and University, and i can tell you for a fact that i only maintain decent relationship with a few of my ex classmates and this is partly because some silly reasons some still hold dear to their hearts, ego, malice to name a few. Even when i was in high school i never got along with all of my classmate even though i feel some of them behave obnoxious, silly and arrogant. University wasn't any different a lot of boys in my class never really mingled with any of our classmates even when i reach out to some of my friends and ask if they heard from any of our ex classmates, they say aside from me, they haven't heard from anyone else. I have also tried reaching to classmates i haven't heard from and the experience left a sour taste in my mouth because some of them feel you are practically doing too much. While this are situations that i have experienced, this is not far fetched from what a lot of my friends in my circle have experienced too.

One important lesson i learnt from networking with people is that it can plug you into a plethora of opportunities you may never have taught of. I made my first million supplying Agro allied by reaching out to someone who kept telling me "NO" more than 3 times and when i wen to him the fourth, he taught to the A to Z of the trade. A friend of my dad who worked in cooperate finance as a mid level staff got to work with people installing mast in eastern Nigeria by just reaching out to a friend back in high school, today as i speak, he got built his mansion under 3 months which was worth about N70m. I

Opportunities abound around us dear young people, but if we can put ego aside and be willing to work as part of something that brings value, regardless of whether we get credit for it or not. One other lesson young should also try and imbibe is that we may at certain point in our lives drop the "Solo" mentality of me doing it by myself and no help needed and be willing to join forces to bring a business or idea to life. Financing a business these days is tough work, and we should be willing to join our resources with others to bring a business into life. A lot of young people also need to create the "atmosphere to be accessible", the wrong attitude can fend people off of your because they may find your attitude too toxic for them.

Anytime this guy name and Davido is mentioned, I remember racksterli investment.. Dem carry my money run[quote author= post=104077426]No official statement is yet to be released on the accident from Oluwadolarz or any of his team as regards his health, Reports.

Ogunleye Olamide Babatunde, the popular content creator, who is better known as Oluwadolarz is involved in a car accident.

He suffered the car crash along Lekki-Epe expressway, Lagos, Reports.

According to reports Reaching , the comedian crashed his white Lexus Salon car and the impact left the car seriously damaged. He however escaped the auto crash with few bruises on the hand and the head.



https://www.instagram.com/reel/CRvov6fg84Q/?utm_source=ig_embed&utm_campaign=loading[/quote]

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I have two idea for

1. If you will be willing to allocate portion of the money for forex trading and I will take by hand to make profits everyday with my broker

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tunnex190:
Are there any business idea I can start with 500k?