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Fineboynl's Posts

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Politics › Re: Yoruba Nation Agitators Storm Ibadan, Declare Oduduwa Republic by fineboynl(m): 8:32pm On Oct 29
Tinubu majority vote will still come from the north base on Muslim Muslim tickets . The south will still not vote him.
Car Talk › Re: This Car Made Nissan Lose Its Value In Nigeria Auto Market (pix) by fineboynl(m): 8:18pm On Oct 29
Even in the U. S THE CVT they introduced into their flagship give Toyota more market share.

They should have waited and tested the cvt on their lowest line up before introducing it into their flagship.

Infinite was a big name early 2000.

Altima was my dream car then. I never liked that Marino.
Politics › Re: Amadeo Event Centre Explains What Happened To NDC Event In Enugu by fineboynl(m):
MBA is towing on the wrong part. Showing loyalty to tinubu is not going to save his ass. Enugu people dont have problem with him. Buf if he keep denying NDC.

They might turn the table against him.
Politics › Re: Tinubu's Adviser Masari Rebukes APC Candidates For Avoiding President's Photo by fineboynl(m): 1:56pm On Oct 29
Anyone that is not popular and his campaign picture is in side by side with tinubu is on a long thing.

Fuel 200 and now 1500. You think its child play??
Politics › Re: What's Happening With The Electric Power Supply In Lagos. It's So Bad by fineboynl(m): 7:26am On Oct 29
Haven't you heard of grid collapse.
Business › Re: Enugu Businesses Count Losses As Poor Power Supply Persists by fineboynl(m):
Nemesis0147:
solar is the way but it is getting really expensive these days and watch this government put a crazy tax on it very soon
it's not expensive. Their is a size for every body.

Big home and business need bigger size which they can afford. Smaller home and smaller business have their sizes and too.Better than running on diesel or petrol.
Business › Re: Enugu Businesses Count Losses As Poor Power Supply Persists by fineboynl(m): 7:09am On Oct 29
Electricity companies will lose market share because more and more people are moving to solar.

The grid is now a back up to many homes.

It already confirmed that the next 4years the revenue of power holdings will strenk by 60-70%.

It's good for Nigeria government as electricity subsidy and other budget will be a thing of the pasy
Food › Re: See What I Bought With 1850 Naira Did It Worth It Or Not {pics Attached) by fineboynl(m): 5:20pm On Oct 28
Oga Titus are you sure?

While it's possible Titus 1600 or tomatos 250 in some place. Tomatos is getting cheaper now.

And again that Titus might look bigger on the pic than it actually is.
Foreign Affairs › Re: Russia To Supply Indonesia With Electricity From Floating Nuclear Plant (Photos) by fineboynl(m): 6:07am On Oct 28
It's 200mw per ship and not the total. They need start from somewhere.
Business › How Nigerians Withdrew Cash With 2% Fee Hughest In The World. by fineboynl(op): 6:22pm On Oct 26
When compared to international standards, a 2% cash-out fee is incredibly high. In many developed economies, paying 2% just to access your own money would be considered highway robbery.

However, in the context of emerging markets, this fee is standard, and users willingly pay it because of the unique structural challenges it solves. On a nut shell the bank or financial institutions should be funding those pos agent for making their work easier instead they are making money out from those agents.

Why 2% Looks "Too Much" to the Rest of the World

In Western countries or highly digitized economies like the US, UK, or Europe, a 2% fee for standard cash withdrawals is virtually unheard of:

• Free ATM Networks: Pulling cash from an ATM is usually free, or carries a small flat fee (e.g., $2 to $5), regardless of whether you withdraw $20 or $500.

• The Flat-Fee Reality: If you withdraw $500 (approx. ₦800,000 equivalent) in the US and pay a flat $3 ATM fee, that is a 0.6% fee. If you withdraw ₦800,000 at a Nigerian POS at a strict 2% rate, you would pay ₦16,000—a massive difference.

Why the 2% Fee Exists (and Survives) in Emerging Markets

The reason countries like Nigeria, Kenya, and Bangladesh get away with 1% to 2% cash fees boils down to infrastructure, risk, and convenience.

• The High Cost of Moving Cash: In Nigeria, getting physical cash into a neighborhood kiosk is expensive and dangerous. Agents have to physically travel to banks, risk getting robbed, and pay transport costs to keep their cash drawers full. The 2% fee pays for that physical risk and labor.

• Paying for Convenience: For a customer, traveling to a distant bank branch might cost ₦400 in transport and take 2 hours of waiting in line. Paying ₦100 (2%) to a guy standing 10 steps from their front door is actually a financial and time-saving win.

• Sharing the Pie: That 2% isn't just pure profit for the agent. It has to be split multiple ways: a portion goes to the fintech provider (like OPay), a portion goes to the card switching network (like Interswitch or Verve), and the rest goes to the agent.

How Other Countries Compare

• Kenya (M-Pesa): Uses a tiered flat-fee system rather than a strict percentage, but for small amounts, it can be even higher. Withdrawing 500 KSh (approx. $3.80) costs about 27 KSh—which is over 5% in fees.

• India (Micro-ATMs): Mostly free or under 0.5% for the consumer. This is because the Indian government heavily subsidizes the digital architecture (UPI and Aadhaar) to force financial inclusion, meaning agents get paid small incentives by the banks or government, not directly out of the poor customer's pocket.

• Brazil: Generally free or very low cost for basic cash-outs at neighborhood "correspondents" because the major banks absorb the operational costs to avoid building expensive physical branches.
Food › Re: Which Popular Nigerian Fruit Do You Secretly Hate? by fineboynl(m): 1:35pm On Oct 25
No guava. There arw still more and more fruit thats not on the list.
Car Talk › Re: Honda Civic 2008 by fineboynl(m): 5:02pm On Oct 24
GOSPELTRUTH31:
pls house,
my reserve yellow light is flashing and my gauge refuse to work while I have close to half tank in my 2008 Honda civic car.

took it toy electrician and he advised we change the complete fuel component on the tank and the meter clock yet it refuses to work
is the yellow light still showing!?
Business › Re: No Single Business Is Lucrative In Nigeria by fineboynl(m): 4:47pm On Oct 24
Those of you attacking him. Mention the business. He made a valid point.

Any lucrative business will get influx of people and it dies.

Open any business in a community before you know it, others will open the same business once they think you are making 1naira from it.

That's an example of no business. People have the capital but no business.
Car Talk › Re: Timing Belt On 2009 Acura Mdx by fineboynl(m):
erico2k2:
You gave two wrong advice there, there is nothing like i f you belt is still strong, this is an item that wears with mileage, if it has done above 100K miles there is no need leaving it, change it straight away cos if it snaps, since its an interfering Engine, you will spend 10 times that mo ney to fix the problem.
Buying a used one what? what's wrong with you guys? If its not a serviceable part than by all means buy a use one but if its a serviceable part like belt bearings etc why buy a used one which might even be older than the one you are changing not being rude here bross change this mentality. Also where this part is located is not where you want to open more than 3 times in the entire life of the car.
First you have to educate yourself why belt cut before responding to me.

Before a belt get to the stage to cut you will know when you examine the belt.

A genuine belt can serve the life of that vehicle. Manufacturer stating 100k miles doesn't mean it expires or it's not good again. The same thing is applicable to tyre.

Most uses tyre can still go for years.

When their is bad bearing or bent pulley those are misaligment that stress the belt and cause heat and friction even if you put q new belt. Bad alternator or compressor.

Like as I said before belt cutting is not a Honda thing but Toyota. He might be migrating from a Toyota and experience that belt issue reasons he is scared.

If he still think he want to remove OEM belt for new one he can proceed. But he might be setting himself up. Reasons I said if it's not broken don't fix it. First exemine the belt. If the engine will cut the belt that is still balanced the same engine will cut a new belt.

That is my take.
Car Talk › Re: Timing Belt On 2009 Acura Mdx by fineboynl(m): 3:50am On Oct 24
justiniyke29:
so you are saying it would be difficult to get genuine timing belt kit in Nigeria
you can get new or toks.

Belt especially for Honda doesn't just like that. There us a serious problem with misaligment...

If your belt is still strong leave it
Car Talk › Re: Timing Belt On 2009 Acura Mdx by fineboynl(m): 8:35pm On Oct 23
If it doesn’t spoil don’t repair it.

Honda is not Toyota that’s known for belt issue.

It’s abnormal for belt to cut. There most br underlining issues
Business › Re: Why Do Nigerians Have Apathy Towards Insurance? by fineboynl(m):
Not everything that work elsewhere will work here. Even is place like America insurance claims have loopholes to protect the people and they usually exploit it.

Similar way democracy is not working in Africa. Tax . E.t.c. They are alien to us here. Reasons some things work and others doesn’t work. Check our history and culture from where we are coming from.

Nigerians are impatient people. They want instant judgement. But Insurance claims always end up in court litigation in this part of the world.

The same ordinary people who are suffering and managing their life. You expect to be going to unending court case spending even more for lawyers.

If you notice Nigerians dont like court case it’s from past experience from people who they know.


Judges that collect bribe and rigged elections case in the open?

Nigerians will not take insurance serous only if they pay immediately with provided prove without days of investigation.
Business › Re: Football (+/other Sports) Betting Season 20➜ ➜ ➜ by fineboynl(m): 8:26am On Oct 23
Match-by-match predictions
#
Fixture
1X2 prediction
Safer option
Correct-score lean

1
Arsenal vs Everton
Arsenal win (1)
Arsenal or draw (1X)
2–0

2
Chelsea vs Tottenham
Chelsea win (1)
Chelsea or draw (1X)
2–1

3
Aston Villa vs Man City
Man City win (2)
Man City or draw (X2)
1–2

4
Atletico Madrid vs Deportivo La Coruña
Atletico win (1)
Atletico or draw (1X)
2–0

5
Como vs Sassuolo
Como win (1)
Como or draw (1X)
2–1

6
Lazio vs Parma
Lazio win (1)
Lazio or draw (1X)
2–0

7
Inter vs Fiorentina
Inter win (1)
Inter or draw (1X)
2–1

8
Stuttgart vs Borussia M'gladbach
Stuttgart win (1)
Stuttgart or draw (1X)
2–1

9
PSG vs Lyon
PSG win (1)
PSG or draw (1X)
2–1

10
Borussia Dortmund vs Frankfurt
Dortmund win (1)
Dortmund or draw (1X)
2–1

11
Freiburg vs Bayern Munich
Bayern win (2)
Bayern or draw (X2)
1–3

12
Liverpool vs Brighton
Liverpool win (1)
Liverpool or draw (1X)
2–1

13
Rangers vs St Johnstone
Rangers win (1)
Rangers or draw (1X)
2–0

14
RB Leipzig vs Elversberg
Leipzig win (1)
Leipzig or draw (1X)
3–0

15
Ipswich vs Nottingham Forest
Nottingham Forest win (2)
Forest or draw (X2)
1–2
Politics › Re: “it’s Not Debatable, We Can’t Go Back,” Mbah Backs President Tinubu On Subsidy by fineboynl(m): 8:51am On Oct 22
There is no way tinubu can win enugu.

Mba will win but he cannot use his influence for tinubu.
Foreign Affairs › Re: Russia Frees American Man From Prison - Trump Celebrates (Photos) by fineboynl(m):
The American military complex don't want Russia collapse.

They only want Russia weaken.

That Is their cash cow.

From Dooms day imaginary threat from Russia keep the American tax payers cash flowing.

Another thing in politics is to keep EU in check.the Fear of Russia must be there to control EU.

While UK and France want Russia weaken and putin removed. To bring Europe togather for one purpose and cheaper energy from Russia. It will make Europe collectively stronger.But America doesn’t want that.


What's paining me is that the war cause inflation online. For those of us shopping online. Web hosting price skyrocket. The war help no one. Nigerian students in Ukraine after spending money and time abandoned everything.
Romance › Re: "I Got Married To A Man My Friend Rejected" — Woman Shares Her Story by fineboynl(m): 10:52pm On Oct 21
The man is a fool. If all they are talking about him is his money.

Truly most iigbo men got no game.
Health › Re: What Can He Use To Cure This Skin Condition? (Graphic) by fineboynl(m): 9:10pm On Oct 21
Blood test for now. This thing is not just skin attack.

At this stage it's a blood thing.

He need several injections daily for 21 days.
Business › Re: What Business Can I Do With 2.5M? by fineboynl(m): 4:21pm On Oct 21
sonofthunder:
Not a bad margin when you consider the stress but it can be better.

I was thinking of bigger cylinders like 100, 200 or even 300kg capacity but it seems transporting it to and fro the gas plants will be problematic. Any ideas or suggestions on this?
100kg
Business › Re: What Business Can I Do With 2.5M? by fineboynl(m): 4:20pm On Oct 21
Watianoengineer:
I


I never heard of 200/300kg cylinders. All my encounters with gas sellers at gas plants is the 60kg cylinder. If there is 200/300kg transportation to and fro will be stress full
maybe is is msstaking the 100kg.

There is 100kg
Family › Re: Before You Marry Someone, Pay Attention To Their Family by fineboynl(m): 8:07am On Oct 21
Family who collect money to votes.

Families that acknowledge their problem is spiritual but yet refuse to come together to fix the problem.
Business › Re: What Business Can I Do With 2.5M? by fineboynl(m): 2:31pm On Oct 20
Wrong time to start any business.

Many youth have result to farming after selling their cars and land.

Some into fish, goat and birds.

The economy is going down.

If you are not into food items , schools stuff , religious items and essentials. You will find it difficult not to even talk of starting a new business.
Travel › Spoilt Truck Blocks Niger Bridge, Causes Gridlock by fineboynl(op): 1:59pm On Oct 20

https://www.tiktok.com/video/7698615120838020372?_r=1&_t=ZS-9AiHJnVR27L

A vehicle breakdown and it completely close that section of the road completely. Even the vehicles behind can't go back or turn around.

This rubbish will cause so many hardship and accidents this festive period.

That demacation is not needed. Even at that it added more weight on that aged bridge. Road users call out Engr. David Umahi over the demarcation of the recently commissioned first Niger bridge, which has caused a grid lock on the bridge.

A trailer got spoilt on one lane of the bridge and because of the demacation which was constructed during the rehabilitation, vehicles behind it are stuck and don't have an option of overtaking it on the same lane or turning back to use the other lane.

Admin Ekwulobia.

Politics › Re: Opposition Parties Meet Atiku, Obi, Makinde Over Single Candidate Against Tinubu by fineboynl(m): 8:20pm On Oct 15
Atiku is the problem. He is only wasting his time
Foreign Affairs › Re: Saudi Arabia Shelves $2.5bn World Cup Stadium Amid Severe Budget Woes by fineboynl(m): 9:45am On Oct 06
Iran economy is worst of.. Although the whole world paid a price
Politics › Re: We Burnt Clothes Because It Has Tinubu Face On It - Warri Youths by fineboynl(m): 5:48pm On Oct 03
ChronicGp:
Na yansh be this or BBL
pad
Foreign Affairs › Re: Hamam Al Hammami: Suspect In Flydubai Incident Was Identified As Security Risk by fineboynl(m): 11:02am On Oct 03
FSBoperator:
Arab pilots have been banned from flying on this route. What changed that they now allowed one to copilot it?

Interior of the aircraft taken by passengers showing the pilot being subdued does not hold up because a sharp descent that was claimed to have been initiated by the pilot would have seen gas masks deployed and the luggages scattered all over the cabin. The cabin was crisp as ever.

How did the passengers get access to the cockpit when standard procedure entails that the cockpit remains shut throughout the duration of a flight.?

We were first made to believe passengers forced the doors open but this is impossible without the right tools like a crow bar which regulations forbid passengers from having in their carryon luggages.

Then they switched it and said the attacked pilot struggled to re open the door while the pilot in question was initiating a steep descent at Mach 1 speeds. Anyone not secured in their seats at such sharp and rapid descent will be tossed around .

Then they later said a plumber on board took over the controls , managed to recover the aircraft from its steep decline , contacted Saudi ATC and navigated the aircraft to an airfield and landed it safely.

Haba!

Sloppy job Mossad.

You guys were once good but now you are relying more on Hasbara and your media shoving an after thought to your sloppy narrative.
do you know they are Alot people like you who still believes 911 was staged? And including that from Abdul mutallab.
Politics › Why Do You Think Atiku, Obi, Or Tinubu Will Win The 2026 Election? by fineboynl(op): 9:03pm On Oct 02
Why do you think Atiku, Obi, or Tinubu will win the 2026 election?


Please a brief and short sentence why your choice presidential candidates will win others.

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