₦airaland Forum

Wizeboy:
Having good friends is one of the best parts of life, especially if you have friends you can trust during the good and the hard times. It’s great to have people who share interests with you, who you can confide in, and who you can have fun with. Many of us struggle with having a natural competitive attitude when we are around our friends, and it is easy to fall into the pattern of wishing we had all that our friends do, whether that includes looks, money, or possessions.

However, sometimes part of being friends with someone is seeing the other person lose out or suffer. No one wants to see a true friend hurt, but in addition to comforting your friends when necessary, you can also learn from them. As tempting as it is to fall into the trap of wanting what your friends have, if you choose to, you can really learn from your friends’ mistakes — especially financial mistakes.


1. Don’t peer pressure spend

Yes, your friend’s new car is awesome, and it might look even better in your own driveway. However, if purchasing a new car would put you in serious debt, it just isn’t worth it. Most likely, you have seen firsthand what debt can do to someone. According to Debt.org, debt can have a huge emotional effect on a person. When we don’t have enough money, our choices are limited. Debt, of course, can also affect your ability to pay other bills, as well as your credit score. As tempting as it is to want to have what your friends have, remember to pay attention to those friends who have spent so much money that they are now truly suffering. Don’t take money from savings, make huge purchases, or borrow to play catch-up with your friends.


2. Start saving early

This is another lesson you can learn from your friends who are broke: start saving early. As fun as it is to spend recklessly and to believe you have years to start saving, this just isn’t true. The sooner you start saving, the better. You may already have friends who have maxed out their credit cards, or have purchased big houses and fancy cars and have no money left to put toward retirement or other types of savings. Or you may have older friends who warn you (either literally, or by the way they live) that failing to save enough can be detrimental to your future. While it’s important to set money aside for fun activities, it’s really essential to start saving money as early as you can.


3. Take your job seriously

With so many people looking for jobs, you probably have at least one friend who is living at home with his or her parents, or hasn’t had a job for months. Many people are out of work by no fault of their own (there just aren’t enough jobs in their field), but some people are out of work because they didn’t take their jobs seriously. You undoubtedly have a friend who partied too hard, came into work late too many times, or was just disrespectful or lazy too often. That friend is paying the price, and you don’t want to follow in their footsteps. Regardless of your age, or how far into your career you are, it’s important to take your job seriously. If you become too complacent, you could easily be broke in a few months.


4. Be wary of student debt

If you are considering a college education, be careful about which college you choose, because student debt is a huge problem for many people. According to USA Today, 71 percent of students took out loans in 2012, and the average student debt reached almost $30,000 in 2012. If you haven’t attended college yet, think carefully about what might happen if you amass a large amount of debt and then you can’t find a job to pay it off.

If you are years out of college, but you are considering graduate school, look around you. Graduate school might be the best bet, but there are many people who took on graduate school, or extra certificates, and are now drowning in debt and can’t pay those loans back. If you are considering paying for your kids’ college tuition, you also need to be think carefully about the amount of money you are willing to spend as well. As great as some expensive colleges are, sometimes at least starting at a more affordable school is a better idea


5. Don’t rush to get married

In no way should you avoid getting married if you have met the right person and you are deeply in love and ready to make wise decisions together. However, don’t rush into marriage without thinking carefully about how you want the rest of your life to pan out. Take time to consider important financial decisions before you get married. Determine if you plan to have kids, think about your savings goals and your work goals, decide if you want to rent or buy over the next few years, and figure out who will manage the money, and if you will combine your assets. You can always mutually change your mind later, but since financial disagreements often lead to relationship problems, you will be giving your marriage a strong foundation if you handle these issues ahead of time. Divorce can be very expensive in addition to being heartbreaking.

It’s great to have friends, and hopefully you and your friends will mostly heed these five warnings. However, whether you have a friend who experienced a nasty and expensive divorce, or a friend who didn’t take their job or bills seriously, you can certainly learn from them

Newcastle United striker Papiss Cisse has reportedly married a Senegalese volleyball star is Paris without telling his girlfriend back in Britain.

The Senegalese striker, who celebrated his 30th birthday on Wednesday, married Diallo Awa in Paris while British girlfriend Rachelle Graham remained at home, it has been reported.

Rachelle had no idea about his plans to marry another woman when he left for a summer break last week, kissing and waving her goodbye at Manchester airport, according to The Sun.

But after a few days without a response to her text messages, Rachelle went online and was stunned to see pictures of the wedding.





A friend of Rachelle's told The Sun:

“Rachelle wanted a future together and thought Papiss did too — but at the same time he was planning to get married.”

"Papiss didn’t reply to texts for a couple of days so she was getting worried about him.
“She went on Facebook and Instagram and found out why — he had been busy getting married.





“No wonder he didn’t want to answer the calls and texts from Rachelle back in England. His new wife wouldn’t have been very happy.

“Rachelle is heartbroken. They were very close, they talked every day and saw each other a lot. She was looking forward to a future with him. This has knocked her for six.”

lilcashking:
see this mumu u ar talkn of safety hw did she get there

Jarus:
Overused and abused lie.

Google recently poached Ruth Porat from Goldman Sachs and she will earn $70m (N14b) in 2 years. (http://ww2.cfo.com/people/2015/03/google-greets-new-cfo-ruth-porat-with-70m-pay-package/)


She is not an employee, not part of owners of Google.

Tell me if N14bn in 2 years is not wealth. Immediate sign-on bonus for her is $1m (N0.2b)

Coming to Nigeria, the CEO of Shell is an employee of Shell (not part of owners), and tell me the CEO of Shell is not wealthy.

I agree we should encourage entrepreneurship, but you guys go to the extreme in making your point.

nigerianvenom:
Same lamentation always. Tell ur boss and magician to act fast

Kachisbarbie:
lols.
My hubby has the inauguration picture where she was on sunglasses. He was like 'barbz, this woman get swaggg, not the other one that looks like eggroll abi buns'.

He said it like four times, I come vex...na wetin
Make I kill myself by myself zi?? Lmao, jealousy been wan kill me.

maxxy:
Word!

You cannot be richer than your employer, neither do you become wealthy earning a salary.

Idrismusty97:
Which unite? Zimbabwe doesn't have an opposition, their voices are usually silenced so it is obvious Mugabe would keep winning every election till death if this continues.

alberto2k:
[color=Teal] Mutuminas


[/color]

omonnakoda:
What is a "book" When Jesus went into the temple and "read the scriptures" What exactly was he reading ,hardcover or paper back. God chose to write the 10 commandments on stone tablet . Do you know that some people were killed by the church when they first attempted mass production by printing .

alberto2k:
[color=Teal] IBB be like; Ranka-DeDe. . . .

and Buhari be like; Mutumina yane

[/color]

chibecanglobal:
www.vanguardngr.com/2015/05/buharis-inaugural-speech-is-illusory-and-vague-ebun-olu-adegboruwa/

Esdb3:
Damn that dude was so dry. Why didn't they invite basket mouth or ali baba.

Cc: lalasticlala

ifedubatoochukw:
Tactically its a great Blunder for Mr Buhari to relocated the Military Central command right into sambisa forest when he knew quite well that these people are non combatants they are not infantry soldiers and their area of responsibilty covers a wider area than just boko haram. they monitor , deploy and protect both Nigeria air land and water from both internal and external aggression.

Relocating Nigeria military Central Command to frontline war zone is the most senseless decision any president have ever taken and such action is capable of endangering Nigeria external security an outside force may invade the nation of Nigeria in time like these..

This wrong decision calls for us to revisit Buhari certificate scandal and how he come about his title of Major General when he is incapable of simple kindergarten Military Decision

Ifeduba ThankGod T ( political Analyst writes in from Anambra state)

networkrecharg:
MAMA PEACE MAY BE GOING TO JAIL SOONEST....