₦airaland Forum

VcStunner:
bro in finance terms, investment is a mechanism used for the purpose of generating future income. In MMM and it's likes, your capital remains your asset or perhaps the mavro

Same thing with me buying a laptop for an online fraudster. I am hoping he will dupe enough people so as to pay me back with interest.

VcStunner:
Lol
I didn't invest in MMM, but hey guys relax. Investment of this magnanimous returns come with its own risk, try not to panic. Panicking will do no good now, just remain positive and if it returns you will have nothing to lose and if it doesn't? Just learn the gaddame lesson and move on. Life in summary. Cheer up people

That is the problem right there. That Nigerians are calling a ponzi scheme, investment. It's like me buying a computer for an online fraudster and calling it an "investment".

sonssyo:
did you give MMM your money, they just help you to circulate the money......so this yuletide season may have a lot of pressure ...they have to hold on for sure people that need help will be more than people that provide help..that is just the ideaology

Keep telling yourself that.

adefizzy:
Mr professor, so you have concluded in your myopic mind that you are wiser than those that didn't go school? As a matter of fact, if you are so concerned about the well being of people, give all your monthly income to the needy every month.

MykOnyxo:
make I just keep quite cos I see no reason for you to quote me talkess of giving a blind point... most of the people criticizing MMM are doing so cos dey gat no 'balls' to start it and also cos dey lack money to risk for it... so u can differentiate between who poverty has be-clouded his sense of reasoning....

mind you,, I didn't collect money from you to invest so keep your pity mood to yourself. I need not your pathetic and hypocritical "SMHs"

adefizzy:
What has the crash got to do with your life?

Una don see una life? Sebi you guys de yab me talk say MMM na the be all and end all? Nigerians are no different from children who you have to constantly remind to think before acting. Even if they do think, they will never come to rational conclusions because their experiences are limited and are uninformed. What poverty and hunger will cause enh?

sarrki:
Man of God wish you soonest recovery

N to all others that lost their loved ones

May God grant you the fortitude to bear the irreparable

Loss

Are you freaking kidding me? Someone that should be under investigation and should possibly face jail time? You guys really deserve to suffer i swear. I wonder why you have let religion fry your brain?

wellmax:
USA landing on the moon is a hoax. They did it just to outshine the USSR.

But yet there is a space station. Ok. Makes sense. Isn't it logical to assume that if they can live, in space, then how difficult would it be for them to land an aircraft on the moon?

Atiku2019:
You are not God to determine the future of others

But we are human beings who have the sense, choice and thought process to try and chart the course of our future. You don't see a hole and delibrately fall into it. unless of course if you like falling into holes which Nigeria is known for.

Youngpo413:
keep deceiving yourself idiot, a tout writing counseling statement, that's absurd, I'm not supposed to believe you in the first place, u lie a lot fake ass like you, useless church rat living in the slum, a useless coward who is afraid to use his main account, a pathetic fool who claims to be smarter than almost 200 nairalanders, your stupidity has no boundaries, a looser who is so ashamed of himself that he can't upload his dp but threatened to post a link to his video, a video of what if I may ask? You are just a nobody, all these your effizzy na wash, so just go and sit down, foolish boy.

Sup retar.d....miss me? Just got back from a training in Hawaii. It was short notice else I would have let your mo.ronic dumbass know. It was awesome though. Tried to learn how to surf. I suck at it. Too scared. You been feeding well? Hope the suffer life hasn't got you down? Just remember, I am her to help.

Youngpo413:
till weekend,? Exactly what I expected, you are so fake, upload your Dp and log in with your main account if you are a ma enough, stupid thing saying something about privacy, who give a shyt about slowpoke like you, a church rat a tout, you stopped ranting about MSU cos you realized that is not true,you need to cover your face in shame, for your info, I don't give a fucccck if you have a million computers, it won't add anything positive to your myopic mind,you are a fool and will forever remain so, useless coward.

Sup retar.d, how you been today? You would not believe how busy the day was for me. Couldn't do anything other than write counseling statements all day. I'm sure you have no idea what i'm talking about. Since you are an unemployed spare parts dealer. Anyway, i still got you though. Haven't forgotten you though.

Ignorance is the bane of religious people.

DonX001:
There's no point dignifying you by engaging you further. I've already made my point.
Its because of "kidults" like you that some people say this forum has gone to the dogs.
Now run along and go and play with your fellow kidults.

Lol. You are too s.tupid to engage in any thoughtful dialogue with someone like me. So please, don't bother "dignifying" me.

DonX001:
I'll have to say, you're probably the dumbest re*tard I've ever seen on Nairaland.
From your moniker its obvious you're a troll, but sometimes, just try and borrow some sense, even if its d size of a mustard seed.
Can't you see the number of people that have learned something from his post??

Anyway, its obvious you have no hope of ever building even a dog's kennel, talkless of a house, so the thread wouldn't make sense to you.
Don't worry, when someone creates a thread on how to survive by drinking only sugarless garri n salt everyday, I'll tag you. That's the sort of thread you'll find much more relevant to your life.
Meanwhile, you should consider changing your ID to Captain Mo*ron...

I have two already bro. One in Ghana and i ain't even Ghanaian. I will pray you have the means to have one. I doubt it, but i will pray anyway. I have a problem with s.tupid people which is why i made my initial comment. And there seem to a lot of them on Nairaland. You included.

Youngpo413:
same way you were ignoring when I told you to use you real account, same way about your fake MSU brouhaha, even uploading your Dp, fake ass, I always smh when you foolishly threatened to upload your video, a video of what in particular? An agbero living in the ghetto claiming to be living abroad, a nursery school pupil claiming graduate, not just a graduate but an MSU,.... You are a shame to the men folk, coward and a retard, foolish rat, I'm still waiting for you to log in with your main account and then upload a Dp, let me just see what this myopic mind looks like. By the time I'm done with you, you will regret ever looking for my troubles, I promise you.

Mo.ron...there is no stipulations saying anyone should put up a profile picture. You chose to not realizing that it depicts you like a handicapped fool. I relish my privacy. And for the video, I didn't see the need but I guess I have to now. Give me till this weekend. But I will give you a snippet today. Google the word. And why do you keep making idiotic threats? I have fingers....unlimited data...multiple computers...and plenty of time. You are just too s.tupid for words.

Youngpo413:
I can never learn from fake people, log in to your real account, then upload your Dp lets start from there, as for your fake MSU brouhaha, I'll still come back for that one, even if you were banned, tell me your real moniker, there is no tout I don't know here, stop hiding, I just want to prove my self wrong cos you are beginning to sound too familiar.

Anyone notice how the unintelligent relic quietly ignored the jab about googling and not knowing what Ronin meant? Lol. It's like i'm phucking with a 5 year old.

Youngpo413:
yakuzas don't give up unlike the ronins, that will be a great shame to the Tanaka clan. Coward.

This is why i said to go to school. You cannot live by google alone. What has the yakuza got to do with Ronin? Remember why i said half the things i say you have no clue? I am pretty sure you heard the word "Ronin" from me for the very first time in your life. What you meant to say was "Samurai" . Jesus. Well, at least you are learning from me. unfreakingbelievable. Smh.

EmoBoy:
Crap. Who believes such stuff?

Nigerians obviously do. Little wonder they are a standstill for more than half a century.

Youngpo413:
rational point of view from a foolish man like you? how absurd, I told you earlier to log in with your main account, then upload your Dp if you are a man enough, not hiding under a new moniker, you are supposed to cover your face in shame, useless coward, I'm operating with my main not hiding and claiming an MSU graduate with the brain smaller than a mustard seed, you are such a fool mister, I don't know if you were cursed in your former life.... Nonsense.

Were you born retar.ded or did you have an operation ?

chocodaviva:
ehn Hahahhhahahhahahaha awon eleyi tun gidi gan oh
make I book space behind ur craz Abeg

I de agree with you na.

chocodaviva:
there father
do we lagosians give dem ultimatum to complete abandoned projects?
do we threaten dem when dey construct death traps roads
times r hard biz is not moving
money scarce make dem go swallow chill pills

Yes joo. All those countries wey de do tax sef too s.tupid. Who good things "hep"? Wetin we need tax for? We like as our country useless the way e be. We like the suffer wey we de enjoy. I beg make dem leave us alone jare.

saydfact:
How to build your dream bungalow earning little: budget and approximate cost.

No1. Ensure you have a land,

You can pick one of the low cost areas; for many reasons which includes
a. Cost of land is cheap (obviously - why its called low cost area)
b. Normally these areas have good and film soil types
c. Labour cost is relatively cheaper to the high cost areas (but sometimes this is not a major factor because you can bring your workers and labour from any area)
d. Material cost are cheaper

I'll advice you get a One Plot of land ( 18m x 36m i.e 60ft x 120ft ) however if the price is too much to afford, settle for a half plot of land ( 9m x 36m i.e 30ft by 120ft OR 18m x 18m i.e 60ft x 60ft )

No2. Get a decent design from an Architect (not a draftsman)

There are many advantages - You are going to live in this property for a long time; or a life time - a badly designed / ventilated house would mean a future renovation at a cost higher than what you're trying to save now.

My advice here is that you ask for a minimum 3 bedroom design, and depending on your land, pocket you could opt for a 4 bedroom bungalow. Remember we Africans and Nigerians have a link to our extended families - so you want to provide a room for your Parents, Grand Parents, Cousins and Family Friend etc should they visit and want to stay overnight. I always discourage people from 2 bedroom apartment. You pay more on the long run.

No3. Get a good good workforce

Preferably via referral. I don't recommend using one of the locals (bricklayers, carpenter etc) living in the area you just brought your land. They normally do bad job, steal your materials or get away with money, because they are locals - dealing with them is difficult considering you would be living in that community soon.

My advice here is contact a friend or relative building and ask to use his workforce on your own negotiation, cos if your guy has more funds than you do, you might not afford what he's paying them. so it's your terms not his.

No4. Cost

You're probably doing to spend a fraction of a million on foundation to German floor. (remember we picked a good soil area) - so how do you get your first million to start?

Well, you don't need a million;
a. Buy let less than 30 tonnes of granite (preferably) or 2 tippers of gravel. 30 tonnes means you'll get delivery from a quarry and a good deal, but sometimes its difficult for the 30 tonnes trailer to access your site, only then should you settle for 15 or 20 tonnes.
b. Buy one 20 tonnes tippers of sharp sand; this would serve us to German floor level
c. Save for 50 bags of cement; but the actual amount you'll need is about 30 for foundation and 15 for block works and other works.
d. We wont be budgeting for reinforcement bars (rebars) because we picked a good soil.

No5. The actual works.

a. Ensure you get the Hausa guys to clear your site and up-root any tree that falls on the building's location totally, at a price of about 10k, you should get this done.
b. Digging of foundation would cost you about 25k - 30k; if you pay more than that, then you must have hit a rock under ground that needs extra cutting, however I always advice you follow C below
c. Always negotiate for all works in a stage at once, don't separate the works eg digging, foundation, blockworks etc instead discuss by saying Foundation works to German floor. (minus filling to German floor and German floor itself)
d. Filling can be done by yourself, buy your filling and get people to spread it at a rate of about 2.5k per tipper, you would need as much as 12 tippers here x about 20k per tipper but we can save cost
e. Your bricklayer should be charging you about 100 - 120k for all the works in this section (digging, casting of foundation, block works)
f. I ALWAYS ADVICE YOU DON'T HAVE LESS THAN 4 COURSES - DONT LET ANYONE TELL YOU OTHERWISE; should there be need to add a fifth, ask for the advice of a professional. 3 courses is not saving money, it is inviting trouble in the nearest future.

No6. Saving money.

To save money you can opt to dig your septic tank & soak away and use the sand dug out for filling, this would normally save you about 200k. YES! but rules applies.
a. Make sure erect the blockworks to the septic tank and soak away immediately after digging
b. Make sure the septic tank is well plastered
c. Make sure you supervise the back-filling yourself, ie every space between the septic tank's block and the natural ground must be well filled and compacted to avoid a tear off after the first rain.

No7. What Next?

Now that you have completed this works, filled the foundation to level allow rain fall on it, compact it before thinking of your german floor.

IT IS COMMON TO SEE PEOPLE CONTINUE THE BUILDING TO LINTEL OR ROOF LEVEL WITHOUT A GERMAN FLOOR but I'll advise you do it; remember, the plan is to complete the house over a long period (from limited fund), the amount you'll probably save by skipping this stage would be forced out of your pocket later in the project. You don't need something too thick, a German floor of between 3inches - 4inches would do the trick.

We would continue from here in the next series of How to Build Your Comfortable House Earning Little.

Thanks... Drop your comments, question and I'll answer them (from a professionals' point of view). It is also possible that I've omitted something major; Quote me in your reply and I'll get back. [color=#000000]culled from: www.palmchatnow.com[/color]

I swear, this is probably the dumbest topic i have seen yet on Nairaland. The OP should change his ID to "captain obvious". Even the first point is ridiculous. "Ensure you have a land". As if you would build a house in space. Smh.

Nigerians truly deserve their leaders and the country they have created for themselves.

willibounce1:
Tougher times ahead but that won't make him reduce his exorbitant school fees.

He was the same man that said Jonathan would win. Can things be Tougher than what Nigerians are experiencing right now?

Yes.

Tocheagle:
GOD FORBID, WE REJECT IT

PresidentAtiku:
MMM will help reduce the hardship

You don't need a pastor, herbalist, or Imam to tell you what oyedepo just said. In fact, it is going to get much much worse than he is predicting. The main reason is that Nigerians like you bury their heads in the sand and deny the obvious. I'm telling you; you guys don't have a clue as to how decayed the system and the people in Nigeria are. Nigeria is unbelievably rotten to the core. The only reason you don't see it is because you all are used to the system and are looking from it from the inside. To make matters worse, instead of Nigerians to look for concrete and legit ways to get out of the mess they created, they are looking to ponzi schemes and God to help them out. As if God was a factor in the decisions they made which resulted in the situation they are in today. No God can help Nigeria because God did not tell Nigerians to make corruption part and parcel of their daily lives. Only lazy people pray. Normal right thinking people get up, roll up their sleeves and get to work to fix a problem they created rather than be on their knees. Another problem is, because of the phucked up way they think and the poverty levels in the country, some m.orons are letting their stomachs do the thinking for them. One i.diot on this forum is already campaigning for atiku2019. What does this tell you? It tells you that Nigerians don't learn from past mistakes and have been genetically modified to make decisions that will keep them in perpetual bondage. unfreakingbelievable.

Youngpo413:
I don finish you and you don't have anything reasonable to say anymore, when next you see my moniker, you will have a second thought before quoting, foolish man.

You this boy you no de hear? Change that profile pishure. See as e be like handicapped. E de carry phone pose. Lol. No one suppose tell me before i know say dis one na apprentice spare part dealer. Lol. The guy who says every woman is a LovePeddler is claiming argumentative superiority over a rational point of view. Can anyone say delusional? Smh.

Youngpo413:
is that all you got? Your IQ is indeed low, useless rat, u don't even have a dp, why should you,I can imagine how malnourished you will look, useless rat feeling funky in reality you are just a nobody, hiding under a moniker making noises up and down, log in with your real account if you are man enough, at least I'm real not some fake MSU graduate.

Tut....tut....tut....tut...hunger is a terrible thing. Sex frustration. . Send me contact info you no gree. Hunger go kill you ooo. .

Youngpo413:
why should I bother to do that, when I know fully well that nothing food will ever come out of your senseless comments, you are still a fool no matter how you slice it and will forever remain that way, shameless tout claiming to be a graduate, MSU graduate my foot.

Phuck you talking about? Have you eaten today? You sound hungry as usual. And take down that profile picture. It makes you like someone with down syndrome.

Onechancearmy:
You razz no be small. Na dis wor wor tin you dash beautiful?

Haven't you heard? Everybody is beautiful on Nairaland.

Babzilla:
At least you read my posts I never heard of U. Thays how inconsequential you are

Still didn't get it did you. And still childish I see. Carry on.

Rubyventures:
He didn't take him in, he is just going to be responsible for his education that's all.

Same thing. Seun promotes a charity helping students on this forum. You wanna guess the stringent background check he does before gives out anything? That is how normal people do things.

Babzilla:
Sue him or forever shut your piehole b!tćh

I've seen your posts before. They are filled with common sense albeit childish sometimes. I am shocked that you don't understand this. This is what happens when you stay too long in a f.ucked society. Smh

Rubyventures:
You don't really need to know someone to help them. He saw the boy was crying, he went to the school, that is enough confirmation. Should he go and trace the boys ancestors or what?

That's why I said their is nothing wrong with charity. But you can't take someone you don't know in. That's not normal people do.

[quote author=Babzilla post=51716792][/quote]That's what an ignorant person would say. Donating to charity is one thing, but taking in someone you don't know for whatever reason is nothing but idiotic. You guys just allow your stomachs to do the thinking for you. Smh.