₦airaland Forum

EmekusTHEgreat:
@Dexlomo, it's not in the place of any man to infere judgement on you, God (even with your past) would still gladly accept you if you were to seek him.

I hope that you have a wonderful married life but there's something I noticed from your writing, I feel that you are nostalgic of your old life, I can make out lustfulness in your tone of writing, let old things pass away..

Palehair:
This is so beautiful, It got me teary eyed. Sexuality is quite broad and fluid and not black and white as most think. Thanks for sharing your story, I wish you and your wife good luck but times have changed. Sexuality is and will never be a stumbling block to one starting a family. It depends on your mindset

wizzy199:
So difficult to.

wizzy199:
Let me use this opportunity to relieve myself of this very annoying experience. I recently got this guy as a roommate during our first semester, we've been sleeping normally on the same bed without any issues until one night around 2am I just noticed his hand on my pr**k, I gained consciousness immediately but didn't shake so that he'll know I just silently lied there to observe more till he tried masturbating me, immediately, I removed his hand, called his name several times and he didn't answer but his breath was so fast. I couldn't believe it, I stood up and laid on the floor.

I just couldn't ask him about what happened in the morning cos I just couldn't believe it. I trusted this guy, very religious, he don't even have all this 'rugged' songs in his phone only Christian songs though he acts effeminate.

From that day, I just developed this hatred for him, kai, though we still stay together and converse normally, I hate him, and the funny part is that he acts normar as if he didn't do any thing.

kamikaz1:
I mean most Naija muscular gays that I have come across are personally are BI*

choblak:
U are wrong most people that rants against homos are the real gays
They do that to cover themselves and I think u might be one

biGDhAp:
so you dey hold hands with your fellow guyman if you dey waka for road..
God knows that shiit irritates me and I can punch you in the face for it

biGDhAp:
. kissing
holding hands and whatever else they do..


not just sex..


I'm not homophobic as long as they keep to this

Romeo3:
Shouldn't be a crime in Nigeria... Should be a crime against humanity. Sodom and Gomorrah was destroyed by God because of things like gay practices.

Christianity has been watered down.

HardMirror:
so you are a christian and your church people cant help you? Shame.

casttlebarbz:
During under graduate days they will say dont rely on your bsc everybody out there has it...i started ICAN exams.
After graduation they say learn hand work...i started learning system engineering at ikeja ,when i cant meet up with t.fare my parent advised i quit and focus on completing my ICAN/ATS before NYSC...
During NYSC some scammers came and make mouth about PMP and HSC i still use my alawee savings to partake...
After NYSC
Dont just sit at home go out and look for jobs i use the little savings remaining to be looking for jobs up nd downs ...money finsh
there are jobs online. ..i don apply tire got few invite, no results
Try teaching jobs, i started with a school in my area cos of t.fare, they pay me 12k in a month ,i take jss2-ss3 , the woman still owe me 3mths...
Go and learn somthing i went out to make inquiries, the fees no be for here ...
They will say everything is not connection ,a gf of mine got a job with an oil company on the island with OND, i can start mentioning...
Don't do yahoo, my roomie in school use a venza now,when he will stay awake all night browsing, i will be reading ,made a 2.1 in economics +Ican, who is now better off?...
Try agriculture, i go buy rabbits, them don die now..

someone was asking how job seekers were coping( lluminated93 ) ,some lucky ones that got jobs with connection are calling him lazy weed smoker...

no job seekers likes it this way but sometimes our hands are tied

Mskrisx:
Bro, don't u think these particular decision of your could make your mum feel worse?

How about freeing yourself from that mental chain of you not satisfying your spouse sexually? Pleas do take some time out and try have a rethink.

Richy4:
Marriage is not for everyone My brother....I guess u have been westernized bro......And if you talked to your folks that U were not ready for marry today and Divorce tomorrow Drama......Some people back home might look at you as if you were an alien that dropped from the sky....

The bottom line is You....what do you want to do that will make you happy?

If it was an adoption, Then make an enquiry about that....I believe you can adopt in Nigeria if you got cool bank statement and a house...
If you want to marry and make your Family happy even though you will be sad in it...It is still ok....The choice is yours to make.....But I believe in this time and age, No one should be responsible for your happiness but you....

stealth01:
Compliments of the season to everyone. I want to appreciate the detailed and informed contributions of Nairalanders to this thread. It really goes to show how enlightened the participants are and where their interest lies. The objective views being contributed from both sides of the issue gives me joy that there’s still hope for this country
My intentions for starting this thread (as some are yet to realize) is for the purpose of social accounting – analysis of an economy that takes into account the social effects of policies
We need to take stock of past and present events in other to make informed decisions about our future. The dreams of today are the realities of tomorrow

There’s no doubt that the much touted consolidation of the industry into the 25 banks by supporters of Soludo’s era was indeed a plus for his administration but how big of a plus was it?
Before the consolidation no Nigerian bank was listed amongst the largest 1000 in the world in terms of Capital and Asset base barely a year after the reform a least 5 Nigerian banks were ranked amongst the biggest 500 in the world
However, as every good macroeconomist knows the success of every economic policy is measured by how much it impacts positively on the economy and ultimately in the lives of the citizens

My question is how this consolidation program translated into the betterment of the life of the average Nigerian.
Banks became bigger, no doubt ,
the industry needed to employ more hands in the short run, no doubt,
but
Did the real sector of the Economy grow? The major challenge of the consolidation was that it eventually did not serve its purpose. It was meant to promote real sector growth as the banks as at then lacked the financial capacity to undergo any major investment in the country. However, Soludo was greedy and the bribes he got from top shots in our banks made him loose focus and moreso weakened him when he knew banks were not doing well. Majority of us were aware of how Intercontinental and Oceanic kept borrowing funds from CBN. To make matas worst, they kept on opening branches as though that was the solution in the name of mobilising cheap funds which was not sufficient to cover the overhead involved.
Did the cost of acquiring the much needed capital (int rates) for SMEs go down? The fact was the money was too much and the best they could do was to beg top HNIs to come collect facilities to trade margin trading which led to our stocks being overvalued.
Where loans more affordable and accessible to the average Nigerian entrepreneur? No the loans were available to HNIs who never needed it and some other businessmen who knew how to rub the palms of their greedy account officers. Although, the banks also pushed some people into this mess as the targets were highly unrealistic and people had to just do anything to meet targets.
Did inflation rate decline? Never on the increase in real terms of money although the various CBN releases then claimed they were in units based on their nominal rates n not real rates.
What about the unemployment rate? (that stands between 10-90% depending on whom you ask)
Please do not get me wrong I am in support of the consolidation of the banks as it was obvious that most of the banks were taking on risks far larger than their Capital could carry this was contrary to the Global standard of the Basel II accord.

On the one hand, the consolidation process itself was tainted with a lot of lapses and shady dealings. Soludo started failing since the consolidation process.
During an acquisition deal between 2 banks that did not pass the second phase of the recent CBN audit it was revealed that the 5 banks that came together to form the smaller bank did not have up to half the minimum N25 billion requirement and the merger was approved and granted license to operate under a new name
If due-diligence was carried out by Mr. Soludo and his examination team while in office that kind of bank should not be in existence today? Talk about selective justice
Soludo knew there was something wrong with the whole industry that was why he created the EDW only that he is not man enough to admit his mistakes

On the other hand, his successor is currently doing the right thing in a wrong way (probably seeking personal glory). As we all know that Banking thrives on information and arguably one of the industries with the largest systemic risk usually triggered or averted by public confidence in the system
Because the situation was not well managed in terms of Public relations these sick banks now became more affected while the banks rationalization/restructuring was made worse by not involving the unions as I mentioned earlier in the thread

But I tell you this, if the reforms were not implemented then, the consequences of non- action (that Soludo preferred) would have been far more grievous in the future most especially to innocent depositors
The origin of the whole calamity that we are witnessing now started when Mr. Soludo was in office and he was in a far much better position to have corrected the ills he discovered being the Industry watchdog. Some bank executives may have fraudulent tendencies but it is the core responsibility of regulators like CBN and NDIC to ensure that stakeholders faith in the system is preserved through adequate supervision

The recent Human Development Index Report shows that Nigeria is one of the worst countries to live in the world. The UN laments that while there’s sufficient information to show that the GDP of the nation had been on the increase the standard of living of the Nigerian people has been on the decline
Now in simple Economics it does not make sense but there are possible answers

First, it could be that the government is toying with data and giving a false representation of the actual variables in the computation of the Nation’s GDP over the years. This could only have been facilitated via the help of the custodians of the Nation’s statistical and Economic data e.g. the CBN, Finance Ministry, the almost moribund Federal office of Statistics and Federal and State ministries/parastatals planning research and statistics units
Second, it could be that the wealth created is only in the hands of a few Nigerians hence the gap between the poor and the rich has definitely widened but of course this can only thrive in markets where there’s unfair competition and policies of government e.g. Importation licenses and permits, Tax/Trade concessions e.t.c. tend to favour only a certain group of individuals or family owned businesses with the right connections to the people in office

Anyhow, one or combination of these or other reasons may be why Nigeria is where it is today. What am saying is that the policies of government should reflect positively in the lives of the people.

If not that we live in a society where visions of our leaders are myopic and memories of the followers are also short-lived we tend to forget quickly the wrongs of our office holders and continue to support their self-driven political ambitions even when they refuse to own up and proffer ways to move the country out of the mess they got us into. In developed worlds, people like Soludo would not even dream of becoming a member of any political party talk less of seeking public office
This message also goes out to all those that may be seeking public offices come 2011 or 2010 as the case may be.
It is our duty to examine the character of the people that we want to lead us, what values are they bringing to the table, what do they stand for and what do they have to offer the average Nigerian, what is their level of sincerity evidenced with a good track record in leadership, public office and corporate governance?
Someone said a people deserve the kind of leaders it gets. Nigerians are good people why can’t we have good leaders?

LET’S NOT KEEP QUIET. LET US SPEAK OUT!

God bless Nigeria.