₦airaland Forum

chibuikejohn:
In everything you do, you have to define your purpose for doing it.
TB is not a business but a form of saving money for future investments instead of allowing the money in the bank to accumulate bank charges.
A lot of people speak about real investment but forgot you need a reasonable amount of you must make profit.
I bought a land for 3.5m in 2013 and I can hardly see an offer of 5m in 2025.

Like I said, Real estate is good and TB is also good depending on your intended purpose.

Do you know how many people TB is paying their bills today?

Put that same amount on land and you may likely get your interest when you sell it. Unfortunately bills don't wait for your land to appreciate

quote author=Educationalserv post=135459080]I regret investing in naira Treasury bill for last 10 years . inflation and devaluation has made it a stupid investment.
Our parents where not wrong .
Land /real estate Remain the passive way to riches
Am a Victim learn from me
My business partner that bought 3 plots in a Govt Layouts 5m 12years ago built duplexs
on it has Sold them for 450m naira in 2025
Properties have reprice and added devaluation and inflation and profit.
Another Land bought for 800k in 2006
Built a bungalow for 3m
Sold to 80m .
Outside the rent that he has received

there is LAND and land
A Govt approved Layout and any other land .
I challenge you to name the the Govt approved Layout you bought in 2013 that now 5m .Even Maiduguri with war will not deliver such returns

Akinlot:
You need a math tutor

5m since 2013 at an average rate of 15% is 26m today.

when Honda 2013 turn Since 2013
You need better eye glasses

samuelson06:
No sense in this. Do you have any idea about the troubles that comes with getting a second wife?

Which trouble pass the one him dey now . Life too short . Aboki is marrying 4 no wahala wetin be two

Macktaob:
Bismarck Rewane, niggà looks like a 🤡 these days.😂

Chai are you a DSS man .that man Mislead us with big grammar .
Na back to native Sense my forebears used .

Timmi:
You seem not to understand the basic principle of investing and portfolio management. You can do both - land speculation and fixed income investing depending on your risk tolerance and age. Investing in property and fixed income are not exclusive.

bros I be Long term investor .Fixed income , Stock market ,Land banking . Forget alll this suit wearing grammer Portfolio this and that .
Am given your real life experience not grammar .so of the fund manager don't have real life experience of 15 years
finish university and start wearing suit up and down with big grammar.
Big Grammer told us if we Float Naira we land and Converge at 750 .that man always on channels new
now we Crash landed at 1638 wiping 10 year investment in Naira value

Built2last:
2027 is tilting towards North vs South.

APC supporters must now that people are not decamping or supporting Tinubu because he is fantastic.

It's simply because the South is tired of the North's constant claim that Power belongs to them and that they can get what they want.

2027 will tell.

The only way the North will have their way is to give presidential ticket to someone like Peter Obi and maybe Lamido Sanusi as VP. It will be a real battle for Tinubu.

Anything shot of that Tinubu will win. Even me, if i'm in Nigeria will vote him. Power can't go back to the North yet. Never

which is constant Claim . Jonathan 6 year Obasanjo 8 year Tinibu 4 before been sent back to Lagos .
20 years VS 10 year North

apprentist:
It's not that easy. My kids are my priority. I dream of a home where they will grow with all the care they need. Remarrying comes with too much uncertainty.

The worse part of it is that madam doesn't even act like she cares about how I feel. I've tried all possible means. Talk, beg for s*x, give her suprise packages, even spoken to her parent about it.
Mtchew

You are not remarrying you are adding adding herm .you gerrit. It a natural law men supposed get many wives that why you can procreate at 80 this a Natural law

apprentist:
Hello Guys, let me first of all say the cliché "It is well".

Now let we start.
I met my wife years back just before the COVID-19 year during which we dated for almost a year and then eventually got married just when the lock down was reducing. I started this story this way because I wanted to emphasis that during that period, we had so much time to bond and she was mostly available to me as she only worked on shifts 2 to 3 days per week.
We could sit and talk for long, go out at late nights and have great s*x as frequently as we needed.

This I think gave me a mirage of an anticipated marriage life so I didn't hesitate to take it a step further ones the lockdown was relaxed.
I also made it clear to her that her job would have to give way when their kids start coming as I had plans to assist her further her edu and also put up a biz for her.

Speed up to after COVID-19, she resumed work which till this day demands 5 days a week and 2 to 3 Saturdays per month all from 7:45am till 5pm. Often times she'd return home tired and would manage to make dinner and off to bed till the next day circle continues.
It became worse when we started having children. I drive them to school as early as 7:40am before dropping her off at her job. And then I'll pick them up by 5:30pm or 6pm when she's done with her job for the day (let me mention that this extends to public holidays and school holidays or breaks).

I got tired and in December 2025 I told her she has to quit the job. My plan was to enroll her back into a private school after my kids are Upto 4 years as one of them still depends on breast milk. I also gave her the option of starting a business which I understand is a dynamic move and might not be successful, but at this stage of my life it's something I could afford to risk and so I didn't mind.

I must also mention that out of a 100% sex, 50% is not mutual as I could sense she isn't interested and 40% is a denial as she would rather deny me of s*x with the excuse that she is tired.

Simply put, I'm tired.
I'm a Christian and divorce isn't an option. Also I can't cheat, but I am starved of s*x and my kids are not given the attention they deserve.
Pls advice me

marry Second wife problem solved
you be African Man don't let Europeans used religion to make you unafrica

AngelicBeing:
That's why it is called REAL ESTATE, because it is Real and if you do your due diligence properly and invest in Real Estate, you will sleep Peacefully with your 2 eye's closed while your real estate is pouring out ROI , even from biblical day's, Land / Real Estate was part of what God gave to his people, right from the early days of the Bible

I personally bought a 75 by 50 land for my friend 2.2m In year 2008.
He had some Financial Challenges sold the place for 73m this April .
He bought a new house for 40m now and has used the balance of 33m to revive himself
His family have been tanking me . I didn't even do it thinking like that I just wanted him to own a house then when he was doing well .

Please am not a property dealer or agent
I don't know if all state have same potentials
This have been my Experience 10 years investing in Naira Treasury bills
Learn from my Experience.

I advice someone to invest 5 million to be paying his rent at 13 in Sukku bond rent have jumped from 400k to 1.7m

NL1960:
Lucky you.

In my place, it is said that it is not only rabbit that you can find in a hole. Snake can also be there. Who invested in a land and property and made gains always think himself wiser than who did not do. It is a 50-50 thing. I once bought land with some people. Some people even built. Luckily i had not started building. One day a government bulldozer just came and started leveling the whole place including the house saying that is a government acquisition.

It is not everybody that has mind for land and property wahala. Some people are just fine with their kobo kobo returns on other investments.

Brother am not talking of village land .am Taking of Govt approved Layout .GRA .
It planned by the Govt , allocation issued by the Govt
Or Govt Approved Estate .for simple explanation the land Tittle can be used for bank Loan.
I Hail our parents and grandparents we taught we dey Smart .

In High inflation and unstable and shitty currency like Naira investment in Naira fixed asset or Treasury bills is like Commiting investment Suicide .
All goods and services in Nigeria follow USD value Everything has been repriced even hook up girls
Why put out money into investiloss that will half your purchasing power by 12 months
The Floating Currency makes it meanless to invest in Treasury bills USD is 1630
All the naira gained since January have been wiped out .

Foodempire:
Same here, I also regret taking part of the investment since 2017. Kinda feel depressed because Inflation has rendered my gains useless but weting person go do, re-strategise and move on. Newbies should learn to use ROI to buy land,properties instead of compounding.

The amounts you mentioned in your post can only be realized if the areas are well developed. I bought an uncompleted bungalow in 2008 for 1.8m, built two number of 2 bedrooms units on it, sold it 3 years ago for just 18m.

my Madam refused to partake instead opt for Gold Jewellery and saving USD only She dey Laugh me . Treasury bills in Naira is a shitty investment it not even a investment but a govt scam by FGN or Semi Ponzi
They collect your 7m or 100000 USD in 2023
They they allow Currency devalue and return 7m or 4500 USD
This is FGN Scam
Am Sure persons in CBN know all this
Even Tinibu will not put his Naira there may be Only short term 3 months

presiade:
Compare the risk-free and peace-of-mind nature of treasury bills with “Omo onile” trouble in places like Lagos, tenants not paying rents in time, maintenance of the building, etc., you’d see why it’s better for some people to invest their money in instruments like TBills.

is not risk free infact iit very risky
Honda 2013 was sold for 5m in 2023
Now 11m .
So instead of you to buy your Honda and enjoy life you put it inside naira TB
By 2025 investment+capital is 6,5m
Honda 2013 is 11m+
If you bought at 2023 drive your thing and still sell Najia use for 9m you are better than this useless TB

presiade:
Compare the risk-free and peace-of-mind nature of treasury bills with “Omo onile” trouble in places like Lagos, tenants not paying rents in time, maintenance of the building, etc., you’d see why it’s better for some people to invest their money in instruments like TBills.

forget all those yarns .this must not be Lagos or south west
Just a Govt approved Layout
No need to build anything on it
Our population is growing and our land asset is fixed

I regret investing in naira Treasury bill for last 10 years . inflation and devaluation has made it a stupid investment.
Our parents where not wrong .
Land /real estate Remain the passive way to riches
Am a Victim learn from me
My business partner that bought 3 plots in a Govt Layouts 5m 12years ago built duplexs
on it has Sold them for 450m naira in 2025
Properties have reprice and added devaluation and inflation and profit.
Another Land bought for 800k in 2006
Built a bungalow for 3m
Sold to 80m .
Outside the rent that he has received

helinues:
Whatever coalition can't produce more than Atiku and Peter Obi.

Atiku can't be vice president again as he already served 8 years meaning Peter Obi can't be the presidential candidate of the coalition.

If the acclaimed savior to save Nigeria won't be able to vie as the presidential candidate, it would be a turn off to most especially the people in the southern region to vote for the coalition when a southerner would be seeking reelection.

As for the Northerners, those of them who know real politics are preparing for 2031 because no presidential candidates can serve one term.

we in the North will Ensure Tinibu goes back to Lagos he unfit to lead a Multi ethnic society .
His Southern Presidency is yorubanization
His economic policy has increased hunger x 1000

critique99:
In the 2027 elections,, across the North,, only Indigenous candidates would be allowed to stand elective positions. This is the conclusion from a recent meeting of indigenous youth clusters in the North. And the message is being sent out to every citizen of this country.

Atiku Abubakar is Fulani; Rabiu Musa Kwankwaso is Fulani; Nasir El-Rufai is Fulani. Where are the indigenous northerners? Where are they? Why should foreigners continue to lead the North? Why are indigenous northerners so stupid? Atiku, El-Rufai and Kwankwaso are not real Nigerians. They are not real Nigerians. El-Rufai supervised the genocide of indigenous Southern Kaduna people, it was El-Rufai that imported Fulani jihadists to come and kill Kaduna indigenes. Today, this same El-Rufai is still running around. Why are indigenous Northerners so useless?
Atiku and Kwankwaso are not different from El-Rufai. Infact, I know Kwankwaso personally, he is worse than El-Rufai. He is a jihadist bigot 100%. Where are northern indigenes in politics? Fulanis do NOT wish Nigeria well. They are not real Nigerians.

Only real Nigerians or indigenous Nigerians in the North would be allowed to contest elections going forward. No more Fulani jihadists from the Sahel ruling Nigeria. Never. And any political party that presents foreigners to contest on its platform, that party would lose all elective positions in the North, and the party would die a natural death.

Indigenous group clusters in the North are getting the message to be on full guard. No more foreigners ruling the North. No more fulani leadership in the North- politically, traditionally, religiously and economically. The people of Nigeria, both North and South, would only accept indigenous Northerners henceforth. Instead of Atiku to contest,, let Tinubu rule for 100 years.

una wan Chop Tinibu Money give am Small hope

Dopeboy8701:
Who will vote for atiku with obi as his vice, let me see your hands

me ,my family my friends and Business partners we like 100 we intend to end APC and Tinibu.any but Tinibu

Sharpsharp00123:
how much were civil servant earning under other president compared to tinubu?

U want to blame tinubu cos some marketeers decide to b stupid

they where 1000 better can afford colora 2003 for 900k with their 120k salary and fuel it with 8k per month.

Mbanda:
My brother thank you very much for this info. I was wondering what made tinibu (a Muslim) to visit Rome when there are too many pressing issues in Nigeria.

Zero votes coming from Muslim North .5.8m gone
Only hope is to spin the Southern Presidency ( Yorubanization presidency) then Christian luving Muslim ( impossible) cos of Middle belt and South South vote .
Shaking the pop is more important than visiting christian killed in Benue by Terrorist

Kingluqman:
Don't mind them!! He is saying the fact. If a civil servant should acquire a car of 500meter, where e get the money Na the question wey we go ask



This Serikin Mota still dey sell civil servant cars oo

They just pained . instead of them to fight politicians that destroyed Civil servants income they are hating on a hustling hype man . Can civil servant afford a Ferrari or Lambo or G 63 Amg 2024 .
Answer is no . The entire salary of Civil servant is around 80m in 35 years

SeeWahala:
So I'm asking you about a simple eleya ram to use AS MEAT on sallah day, BUT you're asking me about buying a full grown horse TO USE AS WHAT?

you be local Man . Some Rams are special breed from Sudan used as Gift if I wan give Dangote Sallah Ram na those type .bro hustle this are not for Civil servant.
70k ram dey ,Goat dey ,and it not compulsory if you no get money no hating

Mbanda:
Exactly! I thought as much.

They think everyone is very Stupid and only Helinus and co are Smart . Christian have been massacred in Benue the sudden christian loving President is no where to be found .but has the strength and resources to travel to rome to see pope .
Charity Begin in Europe

helinues:
We told them oo

https://www.nairaland.com/7229130/muslim-muslim-ticket-favour-christian

Cos Muslim Muslim tickets Decits will not bring 5.8 Muslim votes anymore now it to twist it to say it Favoring Christian . You actually think Nigerians are Dumb .
It only Favoring Yoruba Ethic group with their 2.8 million votes = Kano + Kaduna

helinues:
I have told you to stop quoting or mentioning me. You don't engage others maturely.

Shove your opinion on my comments

it continues it a Public forum Lies , disinformation must be tackle . Create your only TInibu fan only site to spread lies and deceit

Mbanda:
APC lies and propaganda again?
Ok, bayo since you've told us the religion of the appointees, you should also tell us their tribes we need to check something.

They have lost the 5.8 Million Muslim North Votes Looking to harvest Christian Votes

SeeWahala:
So you can buy a 29kg ram for N2.5 million naira?

it depends ca you buy a horse for 100,000 USD ?
This items are not just for meat per say
They are used for show of appreciation
Your currency was destroyed by Tinibu 2.5= 1500 USD
In 2015 1500 was like 200k . Other normal nation still see it like 200k thing

helinues:
No smart politicians would sign one term deal

Btw, this news is fake.

APC propergandist is already here I bet you must be Here .
APC / Tinibu cannot win poplar votes
That why he busy getting endorsement from fellow politicians.
You are so afraid of the Coalition all people saying and hoping it won't work are paid APC Miscreants online .
Buhari + ACN = oust Jonathan
ATIKU+ OBi = oust Failure and Disaster Tinibu

There Notting wrong in his Marketing term .
The Cars on display are not for Civil servant and Even private Sector workers workers
This Guy is in Abuja and Majority of workforce are Civil servants .

Even In developed Nation Civil servants cants afford car of 200,000 USD .
He also Market low end car for Civil servant or general working population .

valentino057996:
*This Is Not for Civil Servants: A Mockery Masquerading as Marketing*

There is a rising phrase in the marketplace of modern Nigeria. It is not born out of wit or wisdom, but from the dark wells of mockery. “This is not for civil servants.” That is the line, now stamped on car ads, promoted in social media skits, and tucked beneath the lips of the self-satisfied elite. It began with an Abuja car dealer who, in his bid to sell exotic cars, decided to insult an entire class of working Nigerians. What he called a catchy line is in fact a sneer, a slap in the face of decency.

Yesterday, I watched a video that pushed the mockery even further. A young man stood before a pen of rams, advertising them for the upcoming Eid celebration. The prices he mentioned were obscene, starting at 3.5 million naira. For rams, not elephants. With confidence soaked in arrogance, he smiled at the camera and said, “This is not for civil servants.” And the crowd laughed. People reposted the clip. Some added emojis. No one seemed to pause and ask, “What exactly are we laughing at?”

We are laughing at our nurses. At our teachers. At our clerks and secretaries. We are mocking those who keep government schools open, who record files, who monitor roads, who issue documents, who teach children how to write, read and think. We are laughing at those who have served this nation with decades of loyalty and have almost nothing to show for it. It is not funny. It is cruel. It is psychological torment clothed in humour.

More disturbing than the mockery is the mindset it reveals. It reflects a culture obsessed with wealth at all costs. We now measure human worth by bank balance, not by value, virtue, or contribution. It is the reason prices of basic things are bloated intentionally. It is the reason many now sell products not to meet needs but to manufacture social classes. A ram becomes a symbol of status. A price tag becomes a tool of humiliation.

What message are we sending? That honest work leads to disgrace? That civil service is a punishment? That the only way to earn respect is to become a millionaire, no matter how?

The damage is deep. When the phrase “this is not for civil servants” becomes a national joke, we are saying that labour is laughable, that discipline is a mistake, and that only crookedness deserves comfort. If this continues, a time will come when even the air we breathe will be branded, "Not for civil servants."

We must reject this culture. We must remind ourselves that wealth is not virtue. That ridicule is not wit. That every man who earns honestly deserves honour, not pity. The civil servant may not wear designer suits or drive a foreign car, but his place in the nation’s story is sacred. His sweat oils the engine of the country.

We need to stop laughing and start thinking. Above all, we need to start correcting. If civil servants cannot afford this or that, it means many things are wrong. Hopefully, someday soon, they won’t say, “This babe is not for civil servants. He cannot marry her.”

©️

Civil servant has been reduced to poverty by Tinibu devaluation . Even indome seller now earn more than Civil servant .
So blame politicians for destroying income