This report doesn't really capture the situation. Most Microfinance banks in Nigeria give loans at around 3.5-5% monthly interest which translates to between 30 to 60% interest per annum.

Loan sharks on the other hand give between 12-30% per month for the "semi-sensible" ones like (fairmoney, menacredit, umba, etc) thus translating to around 150 - 350% per annum, while the terrible Agbero styled ones like Sokoloan, Lcredit and co give between 50- 150% per month thus translating into around 600-1800% per annum.

It's failure of governance and the corruption of CBN that makes people patronize these criminal organizations. Today, getting a bank loan with fair interest is very difficult especially if one does not earn salary. Loans are given as if they are doing one a favor.

Worst still is the fact that Nigerians generally like awoof. We don't like paying back debt even to family members thus making genuine borrowers skeptical. We really need a robust application of technology to integrate people into this bvn thing and help genuine lenders in recovering their loan repayment easily. We also need the proper regulations that will defeat these loan sharks once and protect consumers

Lol. I no dey buy phone without receipt and carton.

My target is at least 4gb ram. Would love Xiaomi but I can manage Tecno.
Kaduna preferably but Abuja, we can deal.

Crimpsy:
do u do future trading

I do but I have limited it to capital of 200k. Was once liquidated 120k in less than 30mins so I am 90% spot trading now.

My strategy for crypto is hit and run. I'm currently on a plan to use 1,000,000 to generate 30,000,000 within the next 24months. All I need is to make 10% of my money 36 times. I'm at number 7. 29 more shots to go.

I bear in mind however that in crypto, there is no certainty. As such, no one can honestly tell you where it will be in next 10yrs. I believe it may be around but might have changed form. That's why I Hardly sleep on most coins.

Well, we will just keep watching. Make APC no come do us the more you see, the less you understand.

In another news, Due to the southwest's sophisticated politics, it has become the region with the most useless electoral value in Nigeria today. Any presidential candidate counting on huge southwest votes is a dreamer. The margins are almost always tiny cos they tend to cancel themselves. The SE and SS have more electoral value to parties cos of bloc votes.

Well, a Prof. in Ghana earns close to a million a month. N2M won't be bad for a Prof in a country that prides itself as "Giant of Africa". Besides, a Prof. in an average Western University earns around N5m monthly without the stress Nigerian Lecturers have to go through. So, compare that with a Profs sub 500k total take home pay and see how low we are.

That said, this report is either a product of Mushroom, or malicious journalism. Ngige, in his vituperations claimed the lecturers jacked up their salaries by about 180%. No Prof currently earns up to N500k as total take home from CONUASS. How much is 180% of 500k? The actual amount will be slightly below 900k per month. How the olodo journalist got to 2M which is like 4.5times the current pay is quite funny.

While this argument is going on, Buhari is releasing 400bn for useless tradermoni. The reason Ngige has been playing with this whole thing is cos he knows Buhari will do nothing to him or anyone from the FG team for that matter.
TRULY, BUHARI IS A MISHAP.

This is fake news Sha. Ngiges propaganda said IF salaries are increased based on the committee report, it will cost Govt 1.2trn monthly on salaries and allowances of university staff. Mushroom journalism

Nice drink. I wish I can always have this "kunun Aya". The major problem with it though is that you need stable power to store it and keep it refrigerated. Just one to three hours of warm temperatures and it turns to "draw soup". Well done op

[quote author=ZeroChil post=114613793][/quote]

We are talking of winning elections and you are talking of social media propaganda. An African proverb says, "the son that has not gone round the village will claim his father's farm is the largest".

Abdul4trust1:
were you expecting Tinubu to pick a Christian running mate? Knowing fully well that northern Muslim will not vote for him.
If Tinubu was a religion bigot, he wouldn't have marry a Christian wife.
Picking shetima is just a strategy for winning election.
Religion shouldn't be a yardstick for voting a candidate in election except we want to be sentiment.
We have had christian-muslim ticket in OBJ and Atiku, Muslims-christian Ticket in Yar'adua and Jonathan, christian-muslim ticket in Jonathan and Sambo and Buhari and Osinbajo.
What have we achieved?

You seem to be one of those my Northern Muslim hypocrite. You just said religion should not be a factor but at the same time you are admitting that picking a Christian from the North will not be the right thing. Religious bigots kawai. If there's anyone that attaches religion to anything they do including placing it above anything, including the constitution is the Northern Muslim

Politically naive. A "wasted" vote on Obi is an indirect vote for the Muslim - Muslim ticket. May God guide the politically simple

Some are screaming against the Muslim Muslim ticket but still claiming to be Obidient. Are you so ignorant to know that a vote for Peter Obi is a vote for the Muslim Muslim ticket?

A 95k phone on jumia. U day dreaming

Called Karara here in the North.

lindyway:
Hello everyone,

I have just saved up some money to get a 32 inches LED TV and can only afford 60k (Jumia has Weyon, Amani, Infinity, Sonix and UFC)

Please I will appreciate a guide on what to look out for when buying as I am currently using a tokunbo LG LCD TV but decided to sell it out once I get the LED TV simply because it doesn't have the USB port to enable me watch movies or play music when I don't feel like subscribing to GOTV.

Thanks

I will advise u go for a fairly/tokunbo used original 32inch led LG TV TV that is very clean than buy those piece of crap. Within 1yr, their screen fit packoff and I tell u, screen na im be TV.

Alternative, if usb is ur major need, 60k can get u a tokunbo 40-43inch original LG, Samsung, Panasonic etc LCD flat tv. Just that it won't be as flat as led and will consume slightly higher power than led.

Proponents of Muslim Muslim ticket mischievously or ignorantly claim that Core North won't vote for a Northern Christian Vp. They also claim there's need for the VP to be a "strong man". Well, I disagree with that.

What was Osinbanjo's political value in 2015 when APC wanted to snatch power from PDP? I bet most Nigerians never knew of Osinbanjo until Tinubu brought his name up as Buharis VP. Tinubu was the one that used his structure to deliver the SW to Buhari cos to me, Osinbanjo had no real political value at that time. Even now, we saw him place third behind Amaechi even as a sitting VP.

Coming back to the North, I see the Northern gov mischievously pushing this idea through their cohorts so that Tinubu can pick one of them. Truth is, Buhari and the joint force of the APC govs is what will win APC the presidency and not who he picks as VP. Of coz, I'm not saying that the position of VP won't influence the vote kpatapata. But the truth is, if Buhari, A SITTING PRESIDENT from Northwest truly and honestly uses his cult followership, which is still very active even now, Tinubu will coast to victory even with a Christian VP. This is plus the commitment of the Northern Govs. Don't forget most of the core Northern states have been traditionally ANPP/APC and the electorates will largely do what their leaders ask from them.

For me who has been in Kaduna under the first Muslim-Muslim ticket, I can tell you it's bad omen for Christians especially those in the North. Apart from Tinubu that may bring in a few Christians, a Muslim Northern VP will expectedly surround himself with mostly those in his circle- Muslims. The nepotism u saw with Buhari especially with the service Chiefs and the consequent insecurity we are facing will be Child's play.

Lastly, Christians need to wake up especially those saying it doesn't matter. In fairness, will it be logical in Nigeria of today to have 8yrs of a Muslim leading, then another 8yrs of another Muslim (whether Atiku or Tinubu), likely followed by another 8yrs of a Northern Muslim President after Tinubu, yet deny Christians a VP slot? If u join hands with a likely Muslim Muslim ticket, u are agreeing that Northern Christians are 2nd class citizens who shouldn't be elected President, or Vice.

gracealonev:
Supporting Tinubu does not align with El-Rufai's VP ambition. The governor was one of those that opposed muslim- muslim ticket in 2015.

https://www.google.com/amp/s/dailypost.ng/2017/04/27/el-rufai-supported-muslimmuslim-ticket-wanted-fashola-buharis-mate-fani-kayode/%3famp=1

Realist12:
Glad students are waking up to the reality. Not everytime will blames be put on the government. Is strike not supposed to be the last resort ? No ASUU are always looking forward to the yearly strike and it isn't fair.

If I ask you what the issues are you obviously don't know. Students can protest for a year against ASUU members but that can't make schools resume. A day of protest against govt on the other hand is the likely solution to end this.

Prof9292:
People are being paid money to strike by dubious lecturers. I'm in uniben and can tell you that. With good sponsorship. Hunger don dey beat lecturers as fg don start no work no pay. They intend to put pressure on fg claiming student are protesting

Dumb. Don't the students have right to protest? Is it lecturers that stayed almost a year without salary and still held on to the strike that u are calling hungry? Just two months without salary?

This guy is stupid. So because education does not bring profit, you can't borrow to build educational infrastructure and settle ASUU demands. This man na olodo. If not cos we have a dumb president, people like this shouldn't be councillors let alone Minister. Your govt can borrow N4trn to pay for subsidy. Remind me what is the return on that?

I hate Gotv with their dry ancient movies. The only channels I care abt is bbc, Chanel's tv and discovery ID. The later two are easy to come by on the cheapest bouquet but not ID. Any suggestions?

Lol. 75k for 42inch lcd? Something of 60k for market

lampard8888:
They are millions of unemployed scholars out there willing to work, If I become the president today I'll sack all the striking lecturers and recruit pple that are willing to work. ASUU own don too much,, give them money now they will siphon it, after squandering it they will embark on another strike.

Ignorance is a disease. IBB did it and did it work? Stop thinking from your anus. U think all other heads of states haven't thought of that?

nairalee:
The other time that Kasu lecturers joined NLC to strike, Hell Rufai sacked them and nothing happened. I don't know why they're too afraid of that midget there

Lol. The purported sack was never carried through. He couldn't have even if he wanted to. The said staff are still working and earning. A friend was one of them.

Evil will always come but woe to him that brings it and also let it happen through him.

joesh94:
L

Who is afraid of Osinbanjo? From Farouk to Reno. Free the guy abeg. Osinbanjo is vice president. How much can he do. Can Reno tell us the achievement of Jonathan while he was Deputy Gov of Bayelsa and Vice President?

Both Reno and Farouk are talking nonsense. The way Nigeria is structured, is there any reasonable work for the VP apart from what the President permits? Buhari na failure and it is on record that he has travelled severally without handing over to Osinbanjo as required by Law. Let's not forget what Jonathan passed through in the hands of Turai and Aooduakan back then. Or better still, can Reno tell us the achievements of Jonathan as Deputy Gov and as vice President?

omenkaLives:
Smh. This shaggy and scraggly looking court clown thinks governing Kaduna state is a circus show. He thinks speaking vanacular sets him "in tune with the youths". Screeching ewe.

Folks like him imagine those who cheer his inane Twitter outings are Kaduna resident who could cast their votes on D day. Sadly, 99% of those cheerleaders are from 5 states that have absolutely no say in what happens in Kaduna.

We still could remember that while he was a senator, one of his most publicised constituency intervention was the distribution of transistor radios to his constituents.

It would be in his best interest to set about purchasing trendy custumes to go with the career he has been destined to pursue for life- clowning. And he should get a decent haircut already.

Someone that defeated an incumbent senator is the person u are wash talking? Na we go vote. No be u nairaland Lord. His major problem will be getting pdp ticket. If he does, EOD

Mynd44:
As long as the tinted widow is follow come ooo. If the tints are self made, na wahala

Forget that one ohh. I drove car with follow come police tell me say make I call person wey tell me say permit is not needed for follow come. Called an uncle wey na CP and he confirmed that weda na hand-made or follow come, you need a permit. This was in 2020 though and he had to speak to the police guy on phone b4 him free me.

The current official info is that police are no longer giving tint permit so no police officer has the right to delay you over tint permit. They have the right to search such cars sha. This is current info from police PRO.
https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.vanguardngr.com/2022/03/no-policeman-should-demand-customs-papers-tinted-glass-permit-force-hq-tells-nigerians/amp/&ved=2ahUKEwiLu9DE7f_2AhWnxYUKHSWnCUMQFnoECA4QAQ&usg=AOvVaw1Ha94nbkGUwTa_3Z0z1uyG

WATCHOVER:
Russians left, it now you are now shouting Ukraine retake this and that, when Russia was busy bombarding them left right and center why did they not retake it.
Oh Zelensky see what you have turned country into for cheap publicity and selfish gain

Dumb comment. You think cos u don't know what patriotism and national pride means, that is how others should be? The way you guys reason is appalling. So he shld be a puppet to Russia cos Russia is a superpower? That's a sovereign country and if Ukraine had been as strong as even North korea, Putin wouldn't do what he did.

Location?
What's screen size?
Can Ram be upgraded further?