(no comment)

Honestly speaking I think it does. Thinking too much (further math related) even gives me headaches. When you think, you are stressing your brain; when you don't think, you are not stress your brain. A generator being used to pump water, washing machine, refrigerators, iron and other heavy gadget is just like a brain that thinks too much. Whether thinking too much causes weight loss or not, trying to argue about it will not change anything. If five plus five is not fifty five, argument will not change. I completed a powerful prediction engine in microsoft excel in 6 months (I had headaches). Thinking too much is bad for you... limit

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Monday games and predictions

LAPO microfinance bank who claims to help the poor, is number one exploiter of the poor and illiterates.

Scenario: You borrow N100,000; with a monthly interest rate of 2.2% and another 1% imonthly contribution

Before you are given the loan, you pay administrative fee of 10% and insurance fee of 0.5%. Assuming you choose a tenor of 6 months, here is the break down of everything on N100,000 loan.
Admin fee is 10% of N100,000 = 10,000

Insurance fee is 0.5% of N100,000 =N500.

You must pay N10,500 Upfront before you're given the N100,000.

After you are given the loan, this is what you would be paying monthly:

2.2% x6 months x N100,000 =

13,2% X N100,000 = N13,200 interest

plus

1% monthly contribution is 6% for the 6 months tenor

6% X N100,000 = N6,000

So, add the loan, the interest and the minthly contributions

You get N (100,000+13,200+6,000)

= N119,200

Your monthly instalment is N119,200/6

= N19,867
N119,200 +N10 ,500 (Admin/insurance

= N129,700.
You pay N29,700 interest on N100,000 Loan in 6 months

29.7% interest rates in 6 months and approx 60% annually.

LAPO LAPO, tell me how you lift prople out of poverty whereas you are making them poorer.

Your calculations are flawed. I don't work at LAPO by the way. I am not biased

LAPO microfinance bank who claims to help the poor, is number one exploiter of the poor and illiterates.

Scenario: You borrow N100,000; with a monthly interest rate of 2.2% and another 1% imonthly contribution

Before you are given the loan, you pay administrative fee of 10% and insurance fee of 0.5%. Assuming you choose a tenor of 6 months, here is the break down of everything on N100,000 loan.
Admin fee is 10% of N100,000 = 10,000

Insurance fee is 0.5% of N100,000 =N500.

You must pay N10,500 Upfront before you're given the N100,000.

After you are given the loan, this is what you would be paying monthly:

2.2% x6 months x N100,000 =

13,2% X N100,000 = N13,200 interest

plus

1% monthly contribution is 6% for the 6 months tenor

6% X N100,000 = N6,000

So, add the loan, the interest and the minthly contributions

You get N (100,000+13,200+6,000)

= N119,200

Your monthly instalment is N119,200/6

= N19,867
N119,200 +N10 ,500 (Admin/insurance

= N129,700.
You pay N29,700 interest on N100,000 Loan in 6 months

29.7% interest rates in 6 months and approx 60% annually.

LAPO LAPO, tell me how you lift prople out of poverty whereas you are making them poorer.

Your calculations are flawed. I don't work at LAPO bt the way. I am not biased

Now I know Nigeria's stupidity is complete. In Lybia or one of these african countries, government empowers youths free as mechanics, carpenters, welders and the likes. In Nigeria you are on your own. It is in Nigeria that your teacher will turn you into househelp just because you want to learn work. That stupid politician that was saying we should look inwards and go into self employment, got blasted her on social media - she was asked if her children are carpenters or welders?

OK lets say you want to do the supposed self employment, do you have the means? If you want to go into keke napep business, are there any micro finance banks that grant loans to Nigerians that want to go into self employment? All you have is L.A.P.O. I searched for balance and carry for 2 years before my family bought keke napep for me - if I was from a poor family, won't I start thinking of internet scam? During this period I went to LAPO for a loan but I was rejected

It must be noted that I tried to learn barbing but my teacher turned me into an errand boy and was also unable to impart the knowledge. It must be noted that I had a camera phone, 60 leaves exercise book and was eager to learn. My teacher never ever explained stuff to me and always sent me to buy petrol while he was barbing his customers. How will I learn? Even after buying the supposed keke napep, I went to numerous keke parks before they allowed me to work - they were doing tribalism and godfatherism. It was after I went to a radio station to report that they allowed me to work in one of the parks

1. Isn't there supposed to be a school that teaches people how to drive keke napep?
2. Isn't there supposed to be a government insitution that gives out keke napeps to the youths as a form of scholarship?
3. Shouldn't you have the right to join any keke napep park of your choice?
4.Shouldn't registration be free and fare?
5. These stupid keke napep parks collect N80,000, plus one crate if malt and kolanut and many other things. Tell me, am I going for traditional marriage?

NIGERIA GOVERNMENT DON'T REALLY CARE ABOUT THE YOUTH, THEY ONLY PRETEND TO. THERE IS NO REAL EMPOWERMENT ANYWHERE, IT IS A SCAM. ALL THOSE THINGS - TRADER MONIE, EMPOWA... ARE ALL SCAM. Desmond Elliot sir, please come and arrest me - you called us children in House Of Asssembly? That we are cursing... grown men of 25 and 30 years

UPDATED: They are providing 774,000 jobs for 200 million Nigerians... what a deception

Ouch!!!! Late goal

:/)

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The home and away form factor (or stadium form factor) for this league is 96/96 - That means that there is no home advantage in this league

UPDATED: They are playing the game today

(no comment)

ITbomb:
It still depends on the route you ply and other side attractions like school drops on contract, doing night services (you must be popular with neighbourhood police) and normal charter (drop).

The ones I know brings back 3-4k daily , after all revenue, fuel and food have been expended. That's about 90k - 120k a month but the civil servant next door with 40k a month still lives and dresses better than the keke man

1. Have you driven keke napep before?
2. Please do you have any screenshots of your earnings?
3. And fuel is expensive @ ₦161

UPDATED: It may depend on the route. Like I have gone to some keke parks that are very busy but they refused to accept me because they are "already complete". Personally I think they are doing tribalism and godfatherism; it's not because they are too many. I have never worked in such parks before and some keke drivers themselves cannot give account of how much they make, so I will still go with the N3,200 daily stuff

Auto rickshaw riders don't make N7,000 daily. In case you don't know what auto rickshaw is, it means "keke napep" in Nigeria. Before I started this business, I had gone to several parks to ask some keke riders how much they make daily and they could not give account of how much they make (what a shame). I have done this business personally and driven for some months now. You will make N3,200 daily from keke napep business (from 6:30 a.m - 7:59 p.m) - That N3,200 is before removing the money for petrol, daily revenue and any other miscellenous. Let's assume no customer calls you on phone to carry them as drop, enter the highway/express or do any special runs

I will not mention engine oil which is N4,000 and mechanic, because this does not happen everyday... I will not go there. During the rainy season there are many black days when you spend N2,000 on your keke napep and have to go home with gain of just N1,000 - For avoidance of doubt this N2,000 includes petrol, mechanic and daily revenue. And for somebody like me that cannot even unscrew my keke napep's tires (I am not lying), it is my fellow riders that help me to carry out minor repairs on my keke paper during the rainy season. They always collect N400 or N500 for the minor repairs. Last time my fellow riders changed the shoe brake and clutch cable for me

There is also this fake news (or rumour), that keke napep does not consume petrol and that you can use it for 3 days without buying fuel which is a very big lie. In a day you will buy petrol of N1,000 if you want to work from 6:30 a.m to 7:59 p.m. I am being lenient by saying N1,000, assuming you are the type that does not carry drop or drive long distances... I would have said N1,500. When I started this business, I thought I had struck a goldmine because of all the misinformation and the lies

I also thought I had struck a gold mine because my family bought the keke napep for me, so I was not going to be balancing anybody. Before some people come out and say they are keke riders too, just to fool me - It depends on what route you are working on. I am only sharing my personal experience and how much I make daily on average (6:30 a.m - 7:59 p.m). It must be noted that I carefully handpicked the park that I am currently working in. I asked so many people which park they think is busy, has few keke riders and has a reasonable amount of customers/traffic

UCL & UEL PREDICTIONS FOR TODAY
1. Dortmund vs Zenit
Dortmund wins - 0:2 handicap (3.48)
2. Krasnodar vs Chelsea
Chelsea to score 3+ goals (2.68)
3. Istanbul BB vs PSG
PSG wins - 0:2 handicap (2.50)
4. Atletico Madrid vs Salzburg
Atletico Madrid & Over 2.5 (2.65)
5. Qarabag vs Villareal
Villareal & Over 2.5 (2.57)
6. Benfica vs Standard Liege
Benfica wins - 0:2 handicap (2.68)
7. Zorya Lugansk vs Braga
Braga & Over 2.5 (2.78)
8. Slavia Prague vs Bayer Leverkusen
Bayer Leverkusen & Over 2.5 (2.90)

https://www.nairaland.com/6208390/todays-game-microsoft-excel-soccer#95383327

I just used that title to draw your attention. These predictions were not gotten using microsoft excel; they are high probability predictions. I have 8 predictions for UCL and UEL for this week's games. Play all games as combo bets and not accumulators. For more high probability predictions, join my channel on telegram "Microsoft Excel Soccer Predictions"
1. Dortmund vs Zenit
Dortmund wins - 0:2 handicap (3.48)
2. Krasnodar vs Chelsea
Chelsea to score 3+ goals (2.68)
3. Istanbul BB vs PSG
PSG wins - 0:2 handicap (2.50)
4. Atletico Madrid vs Salzburg
Atletico Madrid & Over 2.5 (2.65)
5. Qarabag vs Villareal
Villareal & Over 2.5 (2.57)
6. Benfica vs Standard Liege
Benfica wins - 0:2 handicap (2.68)
7. Zorya Lugansk vs Braga
Braga & Over 2.5 (2.78)
8. Slavia Prague vs Bayer Leverkusen
Bayer Leverkusen & Over 2.5 (2.90)

https://www.nairaland.com/6203506/microsoft-excel-soccer-predictions-sunday

Sorry guys, the entire predictions seem to have gone south. I should have know; I was trying to find out why referees in wrestling count 3 times during pinfall instead of 5 times. I tried to find out why team form (W W D L W) is always 5 games instead of 3 games but google search was wasting my time... I have learnt it the hard way

The season is still young... lets wait for 3 more weeks so we can have 5 games to work with. Most of the predictions I provided, were based on both team's performances in only 3 games (except for Sweden & Norway league). Yes I know they have actually played about 5 or 6 games in EPL this season, but both teams have met exactly the same opponent only 3 times

Apart from this, every other thing is in now order. I guarantee you of winnings next time, because I have been working on this prediction engine for 6 months now

bgates:


How do people contact you ??

That is what is important

Quickly create the telegram group

Invite link for Microsoft Excel Soccer Predictions on telegram is https:///microsoftexcel_soccer1x2

UPDATE: Nairaland blocked the link by omitting some parts if it. Please go to telegram and type "Microsoft Excel Soccer Predictions" to search for my channel manually

You can also pay weekly at ₦350/week

ohosi4real:
send me ur contact Bros or how can get back to u. because I need it

I will open a group on telegram soon; just search for "Microsoft excel soccer predictions". I will charge $4/month or ₦1400/month. This price is very cheap compared with draw prediction websites like 1XDraw dot com that charge €49/month. Due to the sensitive nature of what we are talking about, I will not drop my contact details on nairaland. I wouldn't want those hoodlums that vandalized warehouses containing covid 19 paliatives during the #EndSars protest, to come & steal my phone because of this prediction engine

:/)

My predictions for the said games

This is how soccervista dot com makes people to waste their hard earned money. These 4 games were predicted as 10/10 by soccervista. My prediction engine disagrees with soccervista: Malmo FF, Odd BK, Lens and Montpellier

alhajidembele:
I am interested in your soccer predictions. I have been searching for something like this for a long time now. Honestly speaking, there are no good soccer predictions on the internet. Do you predict draws? Do you predict halftime/fulltime home win?

I don't have time for draws; I only predict halftime/fulltime home win or away win at 3.00 to 4.00 odds. I actually predict draws too but it doesn't really work. Those values that are closer to 0% are considered draws

The problem with draws is, if two evenly matched teams are at 1% strenght, there is a 50:50 chance that they will draw... there is no real guarantee. Whenever microsoft excel predicts a home win or away win for me, most times I am guaranteed that they will win... it hardly disapoints me

Even in the liverpool vs sheffield united game yesterday, I was thinking liverpool would dissapoint me but they didn't at the end. Lets see if real sociedad and huesca will draw today; microsoft excel has predicted a draw in that game

:/)

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:/)

These are some free soccer predictions for sunday, that were gotten using the help of microsoft excel. These are high probability predictions; you will win N10,600 using only N600. It has a very high level of accuracy; you will kick yourself if you don't play these games. Due to the fact that I work with data from www.football-data.co.uk/data.php, I have limited leagues at my disposal. The bet9ja booking code is: 3P7W7Y. It is free and always will be... I don't need anybody's money. Enjoy!

UPDATE: All games to be played on November 2, 2020. Keep scrollong down till you get to the last comment on this thread