₦airaland Forum

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tosinntoyin:
Dear all,

I really need an advice. I currently work with one of the Nigerian banks. My monthly take home is about 450k and quite good. My major problem right now is that I have just been transferred from a Branch at one end of Lagos to another end of Lagos. All efforts to convince my boss to deploy me to a closer branch has proved abortive.

Going to work daily right now is a very difficult especially during this raining season and covid 19th period. I spend roughly 3-4 hours on the road when going to work and back home.

I am currently raising my kids on my own right now and dont know how I would manage when school resumes. Before now I drop them off on my way to work in the morning and my friend picks them up to her house in the afternoon till I get back.

I currently have a savings of 2million and would love to start a biz( I dont know what kind) as am comptemplating resigning and start a biz instead so that I can have time for my kids and not die due to stress

Please i really need advice for you all.

Do not resign. My job situation is just like yours, but not bank job though. I do the job and also do business ( trading on Boom and Crash). I make additional $45 to $50 daily. I trade when I wake up and before bedtime. I started with my savings of N360k. You can do same. Do not resign

My GO have been saying repeatedly, don't marry your enemy

What is the reason of getting married to many wives as possible and the aspect of taking care of the children and wives is not considered?
This is a shame to the north despite the number of wealthy people in that part of Nigeria.

Note: Truth is bitter, but must be told....No response to ''mention'' please

Mine was in 2001 when I was about to leave Agbamu in Kwara State after my NYSC year. There was one Yoruba girl I loved so much. We were together on the day I wanted to travel out of Kwara State, I bursted into uncontrollable tears for no reason. Could it be love? She joined me and I couldn't go back to my State that day.
Anytime I remember what happened that day, I can't stop asking myself "why did you cry that day"?

I'm trying to recall the number of people GEJ arrested for insulting him

Upon all the measure put in place and it's still spreading?
We need a supernatural power to help us at this point; we need God intervention

xreal:
Is 8m really enough for the course?

For me, I will start a business.

Without business experience couple with our crazy business environment?

Go for pilot course

ECONOMIC ANALYSIS -COVID 19

Initially, I declined making comments, primarily because I have never witnessed a health pandemic of this nature before.

However, after much promptings, I dug into my finance theories bags, and came up with the following comments/forecasts:

1. Future Income
2. Expenditures
3. Debts
4. Assets/Investments

Future Income:
Whether you like it or not, your current level of income cannot be guaranteed into the distant future.

Yes, for the next one to three months, but if this pandemic continues, I foresee organizations telling their staff that they can only pay half or quarter or zero salary until things get back to normal.

For this reason, my advice is that you should guard whatever money you have jealously because if the pandemic persists, many businesses will collapse, and the multiplier effects will be great.

As I write, some establishments have even asked their employees to commence some weeks of leave without pay.

But then, usually, during or after a crisis like the one we are witnessing, new businesses will also spring up as learnings from the crisis.

More people will be hired on part- time basis and many businesses will be conducted on-line etc. Existing businesses may be remodelled.

Expenditures:
Interestingly, expenses will be on the rise!

The problem here is that "fixed" expenses like food items and medicines will continue to rise due to their scarcity (whether real or artificial).

Other expenses like rent (for those in rented apartments), electricity, transportation, fuel, toiletries, etc. will also be affected.

As basic and trivial as bathing soap or toothpaste are, their prices may also rise.

At this point in time, there is need to review your living/survival expenses.

Frugal spending should take the place of reckless or spontaneous spending. Proper/rational planning should be in place now.

If you think it's going to rain for forty days and forty night but goes to ninety days and ninety nights, what will happen?

I tell family & friends to plan for a MINIMUM of six months.

If a solution is found to the problem that we are experiencing now (a vaccine), then the better for everyone.

:Debts:
Taking and spending money borrowed is equivalent to spending future income today.

With the prevailing global uncertainty, this is evidently the worst time to borrow ..., except of course for survival! For businesses, this is the wrong period for borrowing and doing so will be tantamount to business suicide.

Any individual that borrows for the purpose of starting a new business or for expansion of its existing business may be in for a rough time.

Except your business is in the food chain, and other essential or fast moving consumer goods (FMCG), then it will be unwise to borrow now.

Meanwhile, if you do not have money to stock your house with food under the current situation, please look for friendly loan to do so.

However, a salary advance from the bank is not the right decision to make.

I must also add that borrowing to invest in capital assets at this time is also not the right path to take.

Assets/Investments:
It is time to begin to reap what has been sown ... . It is also the time to sow slowly or sparingly.

It is the time to take a critical look at different available seeds and be selective in sowing them.

Some investments will continue to drop fruits despite this pandemic while some are already in jeopardy and their value nearly wiped out.

Very soon, we will begin to see many tenants owing landlords.

So if you are planning based on expected rental income, please develop plan B).

We will continue to see the value of companies’ equity shares crashing, foreign currencies losing value, exchange rate of Naira to other currencies will continue to worsen, etc.

Be cautious how you invest your money at this time so that you do not burn your fingers.

The general advice is to put your money in an investment that will at least retain its value even if it does not grow.

COPIED from: (Intelligence Advice Device (IAD) AUDITORS' FORUM)

Play with my children
Make money while trading on Binary.com platform
Read books
Response to office mails
Sleep

According to the GO of MFM, it is the worse thing that could happen to a man or woman to marry his or her enemy

Now that the mouth is covered, lies will reduce

He should travel to Uk or China for treatment

I studied Engineering Physics. I'm now a General Manager in Oil and Gas firm.

I thank God for this man. He's now free from funny head gear.

That's good for him. Very soon this copy copy will soon end. Nigerians will go back to their culture. Stop copy and paste culture.

There are using money to catch the boys small small

I have been a victim of scammers severally. I even lost money on www.binary.com. But I sat down one day and think of how to use bot and make $1 every 5 minutes daily. I used paid Indonesian Bot with $500 initial capital.....

Faulty democracy and poor parenting has finally crippled Nigeria.

Nigerian owned affiliate program. Who tells you they will pay?

Your friend and mother were not observant enough. There are three things they would've noticed on the "ghost" within first two to three days of living with them. Well, let's not go into that.
Advice your friend and the entire family members to go for deep deliverance in MFM, Eleme Regional Headquarters, preferably. I can give you the phone number of the Regional Oversea if you wish.

Stupid boy. Many boys of your age are still struggling to gain admission into higher institution, you're a final year student in electrical engineering dept and you believe you're not fulfill in life?

Young men, be yourself. Forget about Davido and Co. Your time is close. Use your brain always

amarachi06:
I have been married for 6years without a child. it has been the worst time of My life to be married without a child.

Anytime we argue, he will shout at me with scorn and hateful words but he can never speak to his family members that way.

lf l try to talk with him over some issues or advice which will benefit us, he will shot me down, only for us to suffer later.

l have tried to Know my wrong to him but he doesn't wanna tell me. l am in deep pains cos he has told me "that anytime l want to leave, that am free to do so".

On Monday, he came back around 12am, and l was worried till that time. He came back without explaination and l asked him, whether l am that invisible to him, and his reply was "if l am tired, that l should leave". l now replied, "if l have a child, will you send us out?" he didn't say anything but l know that his attitude is cos of that.

The day l had my Last miscarriage was in 2016, and the tears l had in My eyes was not about my baby but knowing that l will Not be loved again by my husband.

l am tired! l almost went Into depression, and sucide, cos of his attitude to me. l don't Know how to handle him, cos my presence irritates him.

Please Sound advice.

You need to pray targeted prayer and do what the first person commented. Send me your email, I will send u prayer points that will change your story to glory

surebusiness101 (at) gmail (dot) com

Do you know anything about cash handling policy?

raumdeuter:
Excellent

Any rich man can tell the bank to deliver his own money to his house.

Let Deji prove that the money in the bullion van belongs to someone else not Tinubu

And if its wrong to spend your personal money to help your party to mobilize your party

Yes, I expected the madness to intensify after Big Brother and it's coming to pass. Kudos to the lunatics