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Obinna Father's heart

Uchenna Father's mind

Uzoma Good way

Chinazaekperem God answers my prayers

Udochi God's peace

Chinedu(m) God leads (me)

Chidiamara God is gracious

Chukwudi God dey

Chinonso God is close

Chukwuma(mkpam) God knows(my needs)

sweet car indeed

unsuregirl:
For the last time, [b]I did not kick him until he twisted my arm[/b]. Do not say anything you please. You can tell me that I nagged too much but if you say that I started abusing him physically and thats why he slapped me, i think you are not educated enough to read through a post properly.
He slapped me cos I nagged him and I did not give in or stop him when he threatened me to leave the house. Its that plain. The moment I said that he can leave the house if he wants to, he slapped me.
[/quote

But you shook him before he twisted your arm.


The bible tells us that it is better to dwell on a house top that to live with a nagging woman.

Please my dear sister, grow up if you want to save your marriage. Even if you leave your husband for another man the problem will continue unless you cahnge this ugly charcter of yours.

What about some people here even ladies that have their pictures in their profile. One big step to show how serious you are is by posting your picture. Our people say that the eye eats first before the mouth.

Na you killam

Can someone help a lovely sister out?

Fhemmmy:
Resale value is one of the biggest reason why i think Sienna beats Windstar, hands down.
I have a Windstar 1999 SE Model, that i will sell to whoever wants it for just 700K . . . if interested, and i will never sell a 99 Sienna for such, not even a[b] CE Model.[/b]Except you are sure you wanna drive the car into the ground, i will never advice to buy a ride with no resale value.

I am right now expecting an XLE 2000 model Sienna from Maryland USA. I was told that XLE means xtra luxury edition (fully loaded), LE is luxury edition. Can someone in the house tell me the meaning of CE and it's implications. Just care to know please.

What's the mileage and price. I am interested.

Just got this from one of my friends and will like to share it with you. Please read and drop your comments.

IBO HUSBAND

Plus

1. He is very loyal

2. He maintains monogamy

3. Could be very yielding/gullible

4. Gives you access to all his assets

5. Follows your advice and directions to the letter

6. Spends money on you for comfort, good looks and happiness

7. Takes care of your kids

Minus

1. Could be very unromantic-Romance is limited to spending money, spending money and spending money

2. May be semi-literate or illiterate.

3. May marry you early and deny you of access to life/youth.

4. More likely to be crude and unrefined

5. Always has a large family to cater to and take care of plus apprentices etc

6. May not be presentable

7. May be horrible in bed and/or sexually illiterate/unwilling to explore.

8. Could be gullible/easy to deceive

YORUBA HUSBAND

Plus

1. Could be very romantic.

2. Could be caring

3. Tries to maintain leadership in the home.

4. Disciplines kids well

5. More white-collar career inclined

6. Literacy level is usually high

Minus

1. More likely to philander

2. More likely to eventually marry another wife

3. More likely to marry you for your money/connections.

4. Could be highly assertive.

5. Most times you would take care of yourself after a while.

6. You may eventually separate with nothing to show for it.

7. Family members may be given priority.

EDO HUSBAND

Plus

1. Believes in marriage

2. Takes care of you and your needs.

Minus

1. May end up not taking full care of the kids

2. Could be very harsh

3. Does not take any nonsense

4. You may end up taking care of him

5. You cant cheat on him.

URHOBO MAN

Plus

1. Believes in marriage

2. Takes care of you and your children’s needs.
3. Loves to give good sex



Minus

1. Get ready to have 16 children

2. You may end up taking care of him

2. You cant cheat on him.

3. His romantic nature is very harsh and forceful

4. Very demanding in bed

5. Be sure to accommodate two more wives, girlfriends and dont employ a pretty househelp.

EFIK MAN



Plus

1. Will effectively take care of the culinary activities in your absence.

2. Is usually very religious

3. Hardworking

4. Good in bed

5. Quite organised and clean.

Minus

1. Be prepared to have 12 kids

2. Your cooking may not be good enough

3. He will either be very ugly or very handsome. no line between. He will also either be very short or very tall. Same with your kids

4. Prepare to have a husband like 25 years older than you in his fifties.

HAUSA HUSBAND

Plus

1. Hardly believes in premarital sex.

2. Very religious

3. Takes care of you

Minus

1. You may be wife number 4

2. You may be wife number 4 at 14

3. You have absolutely no say in anything, anywhere and anytime.

4. If he passes away, you may be transferred to another family.







Different kinds of Nigerian wives



URHOBO WIFE



PLUS

1 always loyal/faithfully(cheating is outright abomination)

2 very hardworking and self reliant

3. Very F…… your brains out.(even when you are quarelling)

4. very good cook(banga soup,owo,peppersoup,sea food specials

5 can persevere even in poverty conditions

6 accommodating if a second wife shows up

7 She's used to her working while you get high at home.

8 would lay down their life for their children and is very respectful to her in-laws

9. If you like to drink, you'll never be short of a partner.





MINUS

1 agruementative

2 stubborn

3 alcholic tendencies

4 a high level of gra- gra

5 very very very vocal

6. very smart and hardened( can never see her in tears)


7 She'll short your booze ration


8 She respects you with serious warning.


9 Very sharp and wise to take action



YORUBA WIFE



Plus



1. Very respectful to husband

2. Very respectful to in-laws

3. Most times educated

4. Yielding and submissive

5. Likes sex.

Minus

1. Would most likely have had one kid for another man before you and after you.

2. Will most likely cheat at 65% with one Uncle or Oga at office.

3. Possibly give you another man's kid in between your kids

4. Tells her mother or sisters or friends everything.

5. May jazz you up.

6. Will fill you with pepper, palm oil, assorted and amala.

7. Probably will marry another man even if you split at 60 years of age.

8. If she makes more money than you, or you make less her, the uncles will finally start to drop her off in front of the house with a peck.

IBO WIFE

Plus

1. Loyal to her husband

2. Gives kids good nourishing food with vegetables and many spices.

3. Is very clean.

4. Is ready to fight anybody alongside her husband and break their head or even fight while the husband watches.

5. Even if her husband leaves her at 30, she has only a 3% chance of remarrying after kids.

Minus

1. Very disrespectful to everyone including you.

2. After breaking the neighbours' head will one day break yours.

3. Only regards you as a man if you have money.

4. Views love as spending power.

5. May not really love you but will marry you because you are ready and her real lover isn't.

6. Will spend every dime of yours without touching hers

7. Does not tolerate your inlaws and disrespects them.

8. May stop shagging you after 35.

9. If she makes more money than you, or you make less her, she will become VERY insubmissive and her family will finally remember what a useless in-law you are.

10. When there is a fight, her brothers will come and join to break your head.



EDO WIFE

Plus

1. Cannot cheat on you

2. Can also cook good food.

3. Looks after kids and you.

4. Very respectful

5. Most times well endowed.

6. Very thrifty

7. Always has one brother or sister in europe to bail you out in hard times.

8. Does not leave you even if you are semi-dead, quarter dead or dead.

9. If she makes more money than you, or you make less her, she remains loyal but after building 10 houses you have no idea about.

Minus

1. May have signed your death day the day you were married.

2. You have a 98.75% chance of dying before her.

3. Eventually you die and she becomes the landlady.

4. Or she may have built her own house while you guys were still staying in a room and parlour without you knowing.

5. May have done runs before you got married.

6. Always calculating how to send your children abroad for ANY kind of job



HAUSA WIFE

Plus

1. Everything good.

Minus

1. If you are not a muslim, no chance.

2. You may eventually have to show her were the promised land is.

3. Even when you do, it must be in the dark.

EFIK WIFE
Plus

1. She will load you with so much good food that every other thing is poison

2. She will also f, your brains out.

3. Also loyal and respectful but will also break your head if you misbehave.

4. Very clean.

Minus

1. She will f, your brains out finally.

2. She will either be very slim, have an extremely large arse or be very short.

3. You will share shaving stick as she may have facial and chest hair.

4. Even if you wanna leave her, the f**king and feeding will keep you coming back for more.

STI means sexually transmitted infection and not TTI toilet transmitted infection. In my own thinking, infections a lady can contract from toilets are very minor that would not require heavy medications.

Post the price please so that we will know if it is worth calling you. Thanks

davidif:
Remi Babalola is not a Northerner.

The finance minister is one Muktar from Kano state. Remi Babalola is a minister of state in finance ministry which is just a junior minister with little or no power.

Also ministers of national planning, agriculture, works, power et all are all abokis. Yaradull is the dumbest president we have ever had. Some people are even suggesting that he should had over to his wife Turai.

Shame of a nation.

After causing confusion in the financial sector, the CBN is now struggling to justify it's actions. What a shame.





http://www.vanguardngr.com/2009/08/22/confusion-in-the-banks-cbn-struggles-to-justify-its-action-[size=8pt][/size]

The same reason why Naija people node divorce like Yankee people

@poster,

So Soludo being the Chairman of African Finance Corporation is now the owner of the Corporation?

Crap.

@Chaircover,

He was in Kenya when his co-tenant confirmed his wife missing. Also he got infor that his car was found parked in the guy's house.

If my husband finds a man on top of me and because of it decides to forfiet a N20 million naira business does it change the fact that a man was found on top of me. He would have lost twice ( his wife and the business). The guy acted wise by going for his business abeg and avoiding being a double loser.

yjay:
@24volts, i suggest you kinda keep things under wrap! i think u ve given too much information sef! all the best!

This is because many people were initially doubting his story but with more infor from 24volts it was like vow; this is true eeee.

24volts:
no cos ,of my Honda i VTEC was found packed infront of his house, this is the basis of his arrest.

You caught them red handed jigging it on your bed before you travelled out to Kenya. They did not show any remorse, still your wife had the guts to give the guy your car key to be crusing around town to the extent of parking it in his house. Some people get lever nobi small.

My dear may God grant you the grace and wisdom to handle the whole issue.

The Sanusi coup: Real reasons why five bank chiefs were axed
By EMEKA OKOROANYANWU and AMECHI OGBONNA
Monday, August 17, 2009
•Sanusi, CBN Governor
Photo: The Sun Publishing
More Stories on This Section

In what many have seen as another shock treatment package to stakeholders in the banking industry, the Central Bank of Nigeria Friday sacked the management of five commercial banks in the country, citing grave financial and operating conditions as the basis for its action.

The policy decision which was taken pursuant to the powers conferred on the governor by section 33 and 35 of the Banks and Other Financial Institutions Act 1991, as amended was announced at a world press conference in Lagos Friday by the CBN governor, Alhaji Sanusi Lamido Sanusi, in company of his deputy governors
The sack of the five banks was coming barely two months after the exit of Professor Chukwuma Soludo and the confirmation of the appointment of the new governor, by President Umaru Yar’Adua, on June 4, 2009.

Those who had followed the banking industry since the 2005 consolidation programme, saw Professor Soludo’s five-year stint as CBN governor as quite significant in the life of the banking industry in Nigeria for several reasons. They contended that it was during his tenure that the number of institutions were drastically reduced from about 90 to just 25 at the end of the December 2005.

At the same time, the banks’ shareholders funds, branch network, capital base and other parameters were on the upswing, as Nigerian banks were for the first time listed on the ranking of 1000 global financial institutions. It is also believed that the consolidation programme facilitated the global expansion of Nigerian banks to locations in Europe, Asia, Africa and very soon America and the Middle East.
Under him the Central Bank of Nigeria had always said the 22 per cent capital adequacy rating of the nation’s banks was the highest in the world, considering that the Basle 11 standard which is in the neighborhood of 8 per cent.

Most of the banks also won awards within and outside the country, while their rating soared higher.
But the fresh twist to the industry story and the taking over of the banks showed that perhaps it may not have been bubble capital alone that the CBN has been targeting under the present dispensation. In fact, some financial analysts who spoke to Daily Sun on Friday saw a Northern agenda in the Sanusi’s sanitization programme.

They argued that the North is still sulking over the loss of their banks during the Soludo led consolidation exercise in 2005 and are bent on redressing the imbalance.
In announcing the changes last week, Sanusi said new investors would be invited to recapitalized the banks, a statement analysts saw as more an attempt to give money bags from the Northern part of the country, an opportunity to enhance their shareholding position in some of the banks.
Another question being asked in some quarters is the rationale behind the take over of 92 years old Union Bank and Afribank, which undoubtedly are doing better than Unity Bank, considered by many as a Northern bank.

It was gathered that the CBN governor politely refused overtures by some top politicians, traditional rulers and religious leaders who were lobbied by some of the affected banks to intervene on their behalf, insisted that the banks need to be saved from total collapse because innocent people and stake holders have stakes in the institutions.

Last Friday, five out of the 10 institutions so far investigated became the guinea pigs that the authorities have used to show how bad the nation’s banking industry had deteriorated following the high level of exposure and management recklessness.

Having realized that it was not just change of the management that would solve the distress in the industry, the bank said it was injecting about N400billion over the next few months to keep the five banks alive.
The CBN facility is coming in the form of tier 2 capital which will be repaid from the proceeds of recapitalization in the near future , pointing out that the injection would be sufficient to resolve and stabilize all the institutions and enable them continue normal operations.

The CBN boss said the Yar Adua administration has no intention of nationalizing any financial institution.
He said: “our financial system is not strongly integrated into the international financial system as well as the relatively simple nature of financial product and strong capitalization and liquidity of Nigerian banks.
“However, there are many who have been aware for a while now that whereas the system is in general is likely to absorb and survive the effect of the crisis……. A few Nigerian banks mainly due to huge concentrations in their exposure to certain sectors, (capital market and oil and gas being the prominent ones), but due to the general weakness in risk management and corporate governance have remained continued to display signs of failure.”

Sanusi noted that as at October last year, some of the banks showed serious liquidity strain and had to be given financial support by the apex bank through its Expanded Discount Window where it extended credit facilities to banks on the basis of collateral in the form of Commercial Papers and Bankers Acceptances often of doubtful value.

According to him, the Nigerian banking industry as at June 4 when he assumed office as the apex bank helmsman, the total amount outstanding at the Expanded Discount Window was N256.571 billion and most of it was owed by the Five banks on which its sledge hammer fell upon.

Strains of the distress in the banking industry had been noticed under the former CBN Governor. To assist the banks to weather financial storm, the apex bank under Soludo had Expanded its Discount Window to enable the banks and discount houses borrow funds for as long as 360 days as against the overnight arrangement that was in place before. This measure sort of allowed the banks easy access to funds anytime they are in need.

The CBN had also reduced banks liquidity ratio to 30 per cent, from 40 per cent and freed some N1.7 trillion for their use. This enormously improved the liquidity of the banks.
As at the end of September 2008, the total shareholders’ funds of the banks stood at N2.7 trillion as against N293 billion in 2003. Soludo had said that even if the banks were to write off their entire exposures to the capital market, they would still have about N2 trillion shareholders’ funds saying that at this level the banking system would still be two times adequately capitalized.

Figures from the CBN also revealed that banks’ aggregate credit to the economy was in excess of N7 trillion, while their deposit base hit over N9 trillion. Between January and September 2008, about N2.2 trillion new credits were created by the banks.
“With these figures, the banks would still remain strong even if they decide to write off their exposures to the capital market at once,” Soludo had confidently said, noting that the value of the new credits were more than what the government had spent.

With these strong words, the CBN Governor laid to rest the controversy over the state of health of Nigerian banks.
But with the revelations from the new CBN Governor and the actions taken on Friday, the question now is, what has happened to the banking
industry in just these few months?




http://www.sunnewsonline.com/webpages/news/national/2009/aug/17/national-17-08-2009-04.htm



Read the bold lines carefully and u will believe that this CBN guy has something up his sleeves.

Busy_body:
they want only brand new cars on their deplorable roads, brainless, shameless lot

Brainless and Shameless indeed.

Let's wait and see where this will lead us to as it will now be better to buy brand new cars.

SOLUDO, SANUSI, BELLO AND OGUNJOBI shorlisted for CBN governorship. This is means all the hype that Sanusi has already been tipped for the governorship is just media show.



http://www.independentngonline.com/news/tfpg/article01

manmustwac:
Shes finished shool now and wants me to help her bros by paying for his waec

WAEC fees is not much. You can send it to her and let her know that you know that she must be doing her housemanship by now and she shld be on salary. That you may not afford any further financial committments since she is earning some money right now.

If after that she continues to ask for money, you can offload her as she wants to be an endless burden on you.

Lizzy, your idea is quite good but let your husband be involved in it. And to douse his fears the land and house documents should bear your names ie Mr and Mrs. The house will be very useful for both of you and your husband at old age. It will more or less be ur pension and u may not have to depend entirely on ur children for upkeep.


I dont so much subscribe to the idea of building houses for the benefit of children because it may cause very big disagreement and rancour between them in future. The best you can do for your children is give them the best of education. On that you can open children education account for each of your child. The money will be usefull to them in future. I have an uncle who has been able to save over two million on each of his children's education account. Such accounts yield interest too.

My elder sister opened account for her children in first bank and the bank says that no money can be withdrawn from the account till each of the child is 18 yrs. I know that by the way she is faithfull in saving the money each child will have not less that 5 million in that account at 18 yrs of age.

I will folow him to the alter too. Let two of us continue in Christ too

Unless he is just keeping a serious relationship with me and having casual flings. It is not possible for my guy to keep me and keep another serious relationship. I must catch him even if she stays in another town. When I love a guy, I do it to a fault and will surely crowd and suffocate him with love, jealosy, attention and cares that he will be afraid of even his own shadows.

If he is flinging around , that's another ball game which is dangerous on it's own because of risk of contracting all manner of diseases.

Number one sign: If my guy does not store my lovely and sexy text messages for a long time in his phone it means he does not want someone else ( his other babe ) to read them. He is always deleting is messages, he has questions to answer.

Number two sign: If he is so much possesive of his phone. While with him in his house he will not keep his phone carelessly but always having it in his hand. I dont always look into my guys phone but if he keeps it near me and a call or text msg comes in, definitely I may take the phone to him and may see who is calling or texting. But when he suddenly decides to be so possessive of the phone, it means something is fishing.


Number three: If my guy is answering a call in my presence and is just picking his words one by one and either excuses me to answer it outside or tells the caller that he will call again, then something is fishing.

Number three: If my guy switches off his phone once in a while while am with him or when am not with him no matter the reason, it calls for concern.

So the few I have written here can also apply to a lady. Whenever a lady does any of the above, she has questions to answer.

The list is not exhaustive but just the few I can write now. My fingers are feeling some pains right now. To be continued later.