₦airaland Forum

Rapmoney:
It is a normal work rule for employees not to use mobile phones during work hours, except using mobile phones is part of your job description.

However, due to the fact that some employees tend to flout the rule, some employers, especially in one-man businesses, have deemed it fit to ask employees to submit their phones when they arrive work in the morning and collect back after work.

As a worker, can you work in a place where it is required that you submit your phone?

Drop your opinion.

Bvlgari:
OMG This lady says she had sex with her own son 😮😮😮


https://www.youtube.com/watch?v=XnjlBuQBKio

Bvlgari:
Nigerian lady kicks her husband out of his own home in the UK after he brought her over from Nigeria 2years ago and even paid for her nursing school and training 😮😮🤔

https://www.instagram.com/reel/Cpq0XKuD8dD/?igshid=YmMyMTA2M2Y=


https://www.youtube.com/watch?v=gvRpma-EiEQ

HanisahZuwy:
Please, a woman that has about 33 bodycounts, is it possible for such a woman to become celibate? And can such a woman be able to stick with one man? Please, I want to know. Can she become celibate effortlessly if she decides to? And can she stick to one man too if she decides to? Is it difficult to do so?

And such a woman that wants to go this path of celibacy, what are the things you would say to her?

I would appreciate your suggestions and opinions. Thanks.

Y0urUncle:
In a world of increasing sexual pervasion, have you ever turned down a sexual advance from the opposite sex?

Did you later get to regret it?

Hatrick01:
I am planning to marry and start a family as i am still young.

I am 24 yrs old boy (i am my own boss),that can stand his ground.

I am pretty sure that i can take care of a family.

I dont want to spend all i ve earned on clubing or any any dirty stuff.

I am thinking of bringing in a girl that will help me in my life.

That will also help me to manage all i have worked for since i am 17.

I dont want to squander them all.

Pls, fathers in the house, is there any other responsibility of a married man aside:

Paying children fees,

Winning the bread for family,

Taking care of ur wife?

Pls i need advise!

jmoore:


My love for tear rubber is great.

Na this type of content I dey like, not the useless BBN.

sammirano:
Obidogs are actually pathetic thinking the country revolves around their foolery. As predicted the fraud is in 3rd position.

iwaeda:
Again, INEC Moves Results Collation, To Resume 3:30 pm

#electionresults2023 #ElectionResult

https://twitter.com/channelstv/status/1630557708322480128

Kyase:
I don't know if some people can read and remember what they read

Inec was clear on this





https://www.nairaland.com/7291903/2023-election-results-collated-manually

AcuraZDX:
*BREAKING NEWS*
*UPDATE FROM PRESIDENTIAL VILLA ABUJA*

Polling Unit 120:

*PRESIDENTIAL*
Total number of accredited voters for President: *29*

Apc:1

*LP: 26*

NNPP: 1

Apga:1

*SENATE*

Total number of accredited voters: 28
Apc: 1

Adc: 3

Pdp: 3

Labour: 21

https://twitter.com/realkenokonkwo/status/1629495001557106688?t=ZqChNwOB_q99Grz1oplKnQ&s=19[/quote]Na this kind news I wan dey hear

vicdom:
https://punchng.com/breaking-lps-logo-missing-on-ondo-ballots/?utm_term=Autofeed&utm_medium=Social&utm_source=Twitter#Echobox=1677252170

Workch:
The have been consistently correct, it won't change this time.

edosaprecious:
https://punchng.com/Atiku-Obi-cant-match-my-track-records-Tinubu

BigCabal:
What is your first memory of money?
I’d say it was earning my first salary at my first job. 15k in 2011, and I’d just finished secondary school.

Why was this a significant moment?
My mum didn’t want me to get a job because she wanted me to go to school, even though it was almost impossible at the time. She was raising four kids on her ₦20k teaching salary. At numerous points, she picked up extra tutorials and even had a small shop, but what she made was barely enough to cover the family’s basic needs.

You must have noticed I haven’t mentioned my dad.

I was waiting for us to get there. Where was he in all this?
I’ve never known my dad to keep a job. He was a real estate agent, but it was never a regular stream of income. So he didn’t contribute financially, even though we all lived together.

My mum carried all the load as best as she could. We lived in a single room until we could afford a 2-bedroom apartment. I didn’t even see a TV set in our house until I was 16 or 17.

Ah, I get it. Back to the job
I knew working was the only way I could help ease my mum’s financial burden, so that ₦15k was everything. My boss liked me for some reason and made me a supervisor, so I didn’t have to operate the machinery or do any heavy lifting. However, I walked almost 40 minutes to work every day the entire time I worked there, which was about two years.

Out of curiosity, what could ₦15k do in 2011?
It wasn’t what you would call big money, but it was good for me. For context, a bag of rice was about ₦7- 8k, and I could get a pair of jeans for less than ₦4k.

This job gave me my first taste of financial freedom.

However, I quickly realised I wasn’t good at keeping money, so I did the next best thing.

What was that?
My older sister was much better with money. Somehow, she always managed to keep money aside for future use, so I asked if I could save with her. At the end of every month, I’d send ₦4k to her and forget about it. Two years later, I had about ₦92k saved. I left the factory job around this time too.

Why did you leave?
A guy I worked with at the factory had moved on to a security company. In 2013, he reached out and asked if I’d like to join him. I got the job and my pay jumped to ₦25k.

In the beginning, I worked single 24-hour shifts and took the following days off. Later, I picked up extra shifts on my days off. My salary increased to ₦45k, but I also had to go to work every day. This went on for a year and a few months.

In 2015, my former boss at the factory contacted me to tell me he could use my help. He offered me ₦30k/month and an opportunity to work night shifts to increase my earnings. I accepted the offer — the pay wasn’t as great as what I earned from my double shifts at the security company, but at least, I didn’t have to work every day of the week.

That makes sense
I should mention, I’d increased my monthly savings to ₦10k/month.

A few months after I returned to the factory job, my mum picked up the conversation about my returning to school.

See, it took a lot of strength to agree to it. I feared that returning to school would affect my earnings and cash flow. Secondly, I didn’t feel particularly book-smart. But my mum wouldn’t let it go. In 2016, I got into a part-time programme at a polytechnic. I was 21 years old.

How did that go?
The polytechnic is in another state, so I quit my factory job. One of the first things I did upon resumption was to find another job, and I started working as a security staff again. My salary was ₦25k and I only worked single shifts because of my class schedule.

Three years later, I wrote my final exams and got my diploma. =

Well done
Thanks, man. This was 2019, and I’d managed to save about ₦200k with my sister’s help. When I returned home, I started planning to launch a business. First things first, I needed more money to raise some capital. So I returned to the one thing I knew how to do and had contacts for.

Another security job?
Yes. I picked up two shifts and earned ₦55k from both. Fortunately, one was at an office that closed by 4 p.m., giving me a break for the rest of the day.

The goal was to save enough money to raise business capital, so I started keeping ₦25k with my sister every month. I was also sending ₦20k home to my parents, so I was relying on the tips — anything between ₦500 and ₦1500 — I got during my shifts to cover my basic expenses.

I finally quit in February 2022 after saving ₦500k. It took three years, but I could eventually leave the security gigs behind and start something of my own.

Whew. Did you know what business you wanted to pursue?
It took some time, but I decided to start a POS business. A close friend had been in it for a few years and promised me it was profitable for him. He was making about ₦15k per day, which I thought was fair.

The only problem was I still hadn’t learned to handle cash without spending it. But I braced myself and decided I would be disciplined with money.

How does someone set up an agent banking business?
First, you need to find a suitable spot, preferably one where people can easily find you. Then you find out who is in charge of the spot and talk to them about renting it. If it’s a piece of land, you need a kiosk or something you’ll use as a shop. Most importantly, you need to apply for a POS machine. My friend helped me apply for mine — I submitted documents, paid ₦30k, and got the device almost immediately.

The whole process cost me about ₦100k. I kept another ₦100k in the wallet and ₦200k in cash. And I was in business.

It started a little slow as I was making between ₦1500 and ₦1800 every day. But when I considered that I was making about ₦70k a month — more money than I ever made at any of my security jobs — I saw it was a good call.

My customer base increased in months, and so did my earnings. I’m not even sure when it picked up; one day, I just realised I’d started averaging ₦200k/month. This was in the second half of 2022.

What did this mean for you?
I could take better care of my people. I increased my parents’ allowance to ₦60k/month and picked up a couple more financial responsibilities within the family.
It also meant I could expand to a new location. Unfortunately, this didn’t work out as I hoped. I wasn’t making enough to cover the costs of operations, so I shut second shop down.

Finally, I figured it was time to get my own place. I found an apartment in December, and the rent is ₦170k/year.
One of my goals at the beginning of 2023 was to raise capital for a new business venture. Now, I’m not sure it’ll be possible. Not when the business is being threatened by the Central Bank of Nigeria’s cashless policy. I can read the writing on the wall. POS business will be redundant soon, and it’s giving me sleepless nights.

When did you first think there might be a threat to your business?
From the moment the CBN announced the naira redesign and new withdrawal limits. My first thought was, “It’s time to sit up and think of what is next.”
I can still manage for the next two to four years because I don’t think Nigerians will fully switch to cashless transactions before that time. But I also want to be proactive. The current cash scarcity is a sign of things to come, and I need to prepare for the worst.

Speaking of, how’s the cash scarcity affecting business?
I’m making more money now than I did in the previous months. The problem is it’s difficult to get cash to operate.
Walk me through how you source cash these days

It takes a lot of planning and strategy. I leave my house at 5:30 a.m. to beat the ATM queues. And if I’m lucky, I get to withdraw money from one of the machines. The sad part is most banks don’t allow you to withdraw more than ₦20k per day. Luckily, I have multiple bank accounts. Between them, I withdraw up to ₦100k daily.
But on days when I don’t get money from the banks, I buy money from businesses that operate with cash — mostly filling stations and wholesale stores. For every ₦100k I get, I pay them an extra ₦6k.
It’s stressful and more expensive, so the withdrawal charges have increased. Before, customers only had to pay ₦100 or ₦200 for withdrawals between ₦1k and ₦10k. Now, it’s ₦400 to withdraw ₦2k and ₦1k to withdraw ₦10k.

At the end of each day, I make between ₦13k and ₦15k. More people need cash, so the volume of daily transactions has gone up.

How do you feel about it?
I’m not happy about the increase in withdrawal charges. However, if I don’t get cash, I can’t open the shop, and I won’t make money for that day. It’s either I make the best of it or close down the business.

Isn’t there a workaround that would benefit POS agents and customers?
It’s out of our hands. The banks need to give people access to their money again. The withdrawal limit at the ATMs is currently ₦20k/day, which doesn’t work. When the banks start paying people money over the counter, and the ATM withdrawal limits go back up, everything will return to normal. I expect this will happen before the end of February or when the elections are over.
So how are you planning for when this business isn’t profitable for you anymore?

The plan is to save up for a 2006 or 2007 Toyota Corolla and sign up to be a driver on Uber. Sadly, this will cost me nothing less than ₦2.5m. This same car was about ₦1m two or three years ago.

The second option is to become an agent for online betting companies. Nigerians gamble a bit, and I like businesses that give me cash flow. I believe I can make this happen by 2024, and I shouldn’t need more than ₦1m to be in business.

I currently save ₦150k/month and have ₦600k in my savings. If nothing changes, I should raise the capital I need by the end of the year. I wish I could save a minimum of ₦200k every month, but that’s not been possible.

Why not?
Family obligations. My sister is in fashion school. I pay my parents’ rent and send them a monthly allowance. Also, my dad was recently diagnosed with prostate cancer, and his drugs cost ₦20k/month in addition to other hospital bills.

I’m really sorry about your dad
It’s all right. I love that I can take care of these expenses even if it means I can’t save as much as I’d like. My thinking is, I’ll still do everything I want to do; it might just take me a longer to get there. I don’t think it matters how long it takes.
That’s a good way to think about it. How much do you make in an average month now?

₦200k – 250k from my POS shop. I make an extra ₦100k from trading gift cards on the side.

Have you considered other financial management options besides saving?
I feel like I’m a little late to the party. Everything I know about financial management is from accounts I follow on Twitter. In fact, I only stopped saving money with my sister when I found out in 2022 that there were apps that could do this.

However, my constant need for cash hasn’t allowed me to explore financial investments. At the moment, I can’t leave money compounding for years because of my short-term plans.

Where do you imagine you’ll be in five years?

I’d have started another business. The only reason why I want to try out transportation or online betting is to raise money for my long-term project.

I want to open a pharmacy and supermarket within the next five years. I won’t run the daily operations of the pharmacy because I don’t have a license, but I’ll put the money down and be in the background. I’ll need about ₦6 – 7m, so it’s my long-term saving goal.

I think I’ve done well considering where I’m coming from, which is why I believe I can pull it off. Money gives freedom. As I earned more money over the years, I’ve been able to do things I didn’t think I could.

How would you rate your financial happiness on a scale of 0-10?
I haven’t totally figured out a primary means of income beyond the POS business. If I had assurances it would still be as profitable as it is now in the next five years, the number would probably be 8.

But there are no assurances. It’s okay, though. I saved my way here, and I don’t intend to stop now.

: https://www.zikoko.com/money/naira-life/cash-scarcity-in-nigeria/

mcemmy0z:
If you reside around songo Ota I have these available
*Udemy - Beginner to Pro in Excel Financial Modeling and Valuation
*Udemy - SQL - MySQL for Data Analytics and Business Intelligence
*Tableau 10 A-Z Hands-On Tableau Training For Data Science!
*Tableau Hands-on Learn Data Visualization with Tableau
*Udemy - Power BI A-Z Hands-On Power BI Training For Data Science
*Udemy - Machine Learning A-Z™ Hands-On Python & R In Data Science
*Udemy - Python for Financial Analysis and Algorithmic Trading

Drogbotel:
Please are you still available? I will gladly come get it. Please reply. Thanks

Upset700:
I've been having issues with guys for years now, especially with guys I sleep with.
Whenever I like a guy, or get interested in a guy and then i have sex unintentionally (he wants it but I don't).. After then there's this irritation, I loose interest, I cut the person off.

It's more like he has sold his value to me, like there's no prize, probably he is a great guy but that act alone makes me very uncomfortable.
I know this is usually a guy thing, but I've been struggling with this for years.

I feel men should also stop selling themselves cheap...cus they are women who wouldn't value what they can get easily.

Emmacy001:
Honestly, some people are heartless and wicked. If i'm aware that you want to give me fake money. I swear I will deal with you without mercy.

nlfpmod:
As shared by Twitter user.



https://twitter.com/Ansarabdul070/status/1622836854859890690?t=eXX6fOS6yAq729ziR3oLaw&s=08[/quote]Honestly, some people are heartless and wicked. If i'm aware of that you want to give me fake money. I swear I will deal with you without mercy.

KingDash:
I went to pos to collect 500k to pay laborers building my new house the pos guy charge me 150k.. I no get choice, this country tho.

Jennyclay:
Oh No! Not again .

Why are Men so wicked and evil? I hate men!!

This man should be sentenced to death immediately!

adenigga:
Source: https://punchng.com/Salary-arrears-Labour-unions-laud-Adeleke

KdeeHub:
It's been 2 years since John finished NYSC. Allawee had stopped coming in, his plan was to land a high paying job immediately after NYSC unfortunately, life has thrown him lemon but he can't make lemonades. Depression and frustration could be seen boldly written on his face. He is the definition of an "Angry Young Man"

Congratulations on your deployment to your various states and congratulations to the Batch A's who are having their PoP soon. One certain thing is that a large number of the Corp Members after finishing NYSC will black out not knowing what next

The new Corp members will plan to save their allawee but for many, it is their allawee that will save them.

If you must survive immediately after NYSC, have a skill; not just a skill but a digital skill.

If had the opportunity to learn a high income digital skill today for free which would you learn?

Add yours in the comment box!

CoronaVirusRelo:
Great!

Biafra or death!

No election in South East

otukpoyam:
You can still learn software engineering, but you don't necessarily need to look for work in a tech company. Other regular companies will still need tech staff, but they may not pay as much

otukpoyam:
You can still learn software engineering, but you don't necessarily need to look for work in a tech company. Other regular companies will still need tech staff, but they may not pay as much

MindHacker9009:
Hmmm!

Google's parent company Alphabet will cut 12,000 jobs, in the latest staff redundancies to hit the tech industry.

Google and Alphabet CEO Sundar Pichai said he took "full responsibility" for the cuts, in an internal email.

The cuts will affect 6% of Alphabet's workforce worldwide, in teams including recruitment and engineering.

This comes days after Microsoft announced 10,000 jobs would be lost, and weeks after Amazon announced 18,000 job cuts.

Mr Pichai thanked staff for "working so hard" in their roles, adding that their "contributions have been invaluable".

He wrote: "While this transition won't be easy, we're going to support employees as they look for their next opportunity.

"Until then, please take good care of yourselves as you absorb this difficult news. As part of that, if you are just starting your work day, please feel free to work from home today."

According to a recent filing with Companies House, Google has more than 5,500 staff in the UK. But it is unclear how many of these will be affected by the cuts.
'Unsustainable'

Mr Pichai announced severance packages for US employees, who will receive at least 16 weeks of salary, their 2022 bonus, paid vacations and six months of health coverage.

He said he remained "optimistic about our ability to deliver on our mission, even on our toughest days".

Wall Street welcomed the cuts - Alphabet shares rose by 3.5% in electronic trading before the stock market opened.

Analysts have said tech's big guns had previously overspent, not seeing a slowdown on the horizon.

Are tech job cuts a warning for the wider economy?
What is behind the big tech companies' job cuts?

Daniel Ives of Wedbush Securities said the layoffs highlight irresponsible spending across a sector basking in "hypergrowth".

"The reality is tech stalwarts over-hired at a pace that was unsustainable and now darker macro is forcing these layoffs across the tech space," he said.

According to tech site Layoffs.fyi, nearly 194,000 industry employees have lost their jobs in the US since the beginning of 2022, not including those announced by Alphabet on Friday.

Hewlett Packard and cloud computing giant Salesforce also announced major cuts this month, as rampant inflation and rising interest rates have slowed growth.

US tech giants have also been facing scrutiny in the European Union, which has started enforcing regulations to stop them avoiding tax, stifling competition, profiting from news content without paying and serving as platforms for disinformation and hate.

Source: https://www.bbc.co.uk/news/technology-64346921

victooman:
l use to be an advocate of no cheating and usually stood against men who leave their beautiful wife at home to cheat with random girls, l feel a man can control himself and stick with one woman if the woman is good, perfect and beautiful.

Now l am in that position now, my girl is both beautiful in and out, the perfect woman l am intending making my wife without any doubt,
we have been together for almost 2yrs now and l still love and cherish her.

Our sex life is great and perfect, but honestly of recent there is just this lustful desire to test another woman, this has nothing to do with love or commitment, but l find myself lusting after girls that are not even half as pretty as my woman, chances keep springing up here and there and l don't want to do it, guilty conscience is already disturbing me.

Please guys who overcame this, is this a normal thing? how did u handle it?

NNtv:
My friend living in Ogun state told me to send my details for a job opportunity in a pharmacy company that's recruiting. Although, he said the company has not made official announcement for recruitment that its just a backdoor offer since his friend is working there.

After sending my details one month ago, he called me on Saturday that I have been picked for this position. However, they are requesting that a have up to 500k in my account. When I asked him what they need such money for, he said they will use it to process my international passport, accommodation and other stuffs.
I requested to know what is the need of international passport for a pharmacy company work in Ogun state, he said that workers are sponsored to Dubai after working for 6 months.
I became confused because I have never heard of something like that. Also, what I have is only O'level certificate, and he said I have been picked for a job that pays 300k? Can that be possible?

Comrades, does a company request 500k for international passport and accommodation before employing someone?