₦airaland Forum

Humans are insatiable.... Complain about everything. Tufiakwa

What will be the cost of this building now.?

What's the reason for sale?

Between tile and epoxy which is more expensive? And how long does this last?

If guys rate can be increased to 15k it will be fair.

15*4 times a month = 60k

60k - 10k for supplements = 50k

Monthly income = 50k.


Nice venture.

This article was triggered by the discussion at a recent gathering where the guest speaker, accomplished brilliant economic, said he would rather invest his money in the treasury bills as opposed to investment in property! His reason; return on Treasury bill is 18% interest while return on property is 5% yes, he was right. If you invest your money in Treasury bill, it is a very secure investment in the sense you can never lose your money unless Nigeria does not exist again .God forbids that happening! On the other hand, return of property investment is between 4% and 6%depending on the property and its location. But what I fear this economist fail to realize is that, the comparison does not end here.

Let me say first of all that the type of investment that will be suitable for you will depend on your motive for the investment. Are you thinking of a short, medium or long term investment! Are you interested in capital return or streaks of income? Are you interested in an investment that you will leave for your children? Your answer in this question will assist you in taking a decision on what type of investment to engage in with investible fund. For example, if you have some fund which will need for a project in few months or one to three years, investment may not suit your purpose. But if you are thinking of a long term investment, there is no other option than property investment!

Now, let us look at the principles of investment that can assist you in making a decision concerning the type of investment you engage in with funds

Security of capacity: I the money I am investing secure at all times? Is there any time of losing this capital any time in the future? Both investment in treasury fund and property will satisfy this criteria.
Capital Growth: Is there any likelihood that the money to be invested will grow any value over the years? For treasury bills, the answer is no but for property of investment, it is yes. Take for example, those who invested in property by buying a duplex house in dolphin estate in 1990 at a price of N450.000, 000! The value of same house today is about N80, 000,000! If you had put you money in treasury bill then, the capital will still remain N450, 000 (nominally). In actual fact it is less due to inflation. It is probably not with 10,000 today.
Capital liquidation: How quickly can you turn your investment into cash? You can liquidate your opposite at the end of term with ease. But with property investment, it may take a while before you get buyer. Many properties remain in the market because the price is above the market value.
Security & regularity of income: Income (interest) on Treasury bill is on guaranteed. The central bank will pay your interest no what but will property a tenant may default and there may voids. Again, if you have the right tenant from the beginning, your income can be guaranteed. You can also avoid voids if the rent is right voids occur when a landlord insists on certain amount of rent which is not realistic or above what the market dictates.
Income appreciation: your income on Treasury bill is almost fixed but rents on properties are not fixed. They increase in line with inflation (all things). For example in 1990, rents on the duplex on dolphin estate was about N75,000, today it is about N4,000,000 per annum! That is more than eight time capital in the invested
Return on investment: (ROI): this was the main reason why the speaker preferred investment in Treasury bill property because according to him, he can get return of 18% on Treasury bill today, why then will he invest his fund in property with a return of only 5%. With due respect, this a very distorted and misleading view! The example I gave above id sufficient to defeat this argument .the return on property investment is not static but grow from year to year In line with inflation rate. What will you call the return of N4450, 000,000 on an investment of N450, 000?
There are other issues like taxation, ease and cost disposal and use of as collateral which space will not permit me to deal with in piece. The effect of this is not very critical to investment decision in this part of the world.
On the whole it can be seen from the above part property investment is by far better than investment in Treasury bill, in actually fact, it is not real to say that the return on Treasury bill is 18% because if inflation is 18%then your return is zero! This is because you real value is watched away by inflation. Ditto for your capital, if you put 100,000,000 in fixed deposit or Treasury bill for one year at the end of the year, the real value of your capital invested is less by the rate of inflation. On the other hand, your property will have appreciated by the same margin under normal circumstance. This why property investment is called “an edge against inflation;

In circumstances, I can say that in the short run, Treasury bill is a suitable investment opportunity but in the medium-long haul, real estate is a much more suitable investment vehicle.

https://99propertyng.com/recession-between-treasuries-bill-and-property-investment/

Alikote:
it require u to use u brain alway and well grounded in finance..u know of inflation , devalution , when to buy or sell then which tenor ....u just dont go and sleep

explain more please.

One may wonder if south Africa is really free from slavery and discrimination. Here is a photo of an advert.

But someone talked about inflation affecting Tbills in the long run as compared to real estate. Can anyone explain better please.

I need a site like quora . com , though with a little bit of editing. If you are capable of such task kindly indicate.

RealLordZeus:
Get the hosting details and change the password when he's done, but it's unethical to access a client site after the job is done without authorisation....

Thanks sire.

Some years ago someone here accused a web designer of not giving him full access to his site. And now I want to contract my site creation to somebody, as a novice what do I need to demand from him when the job is done or what should be the term of contract?

I want to open a classified ads website. Who can help?

Francis Gwatidzo (R) wears his academic graduation cap and gown as he offers bananas to a motorists on a street in Harare, Zimbabwe, 25 January 2018. Due to a lack of jobs in the formal sector Francis Gwatidzo, a Bachelor of Arts degree holder in Philosophy with General and Special Honours from the University of Zimbabwe, said he decided to turn into banana street vendor as a means of targeting potential employers among the motorists who are mostly business people commuting on the city's roads. With his academic gown attracting the customers he is hoping that the year 2018 will bring him good fortunes and maybe an appropriate job.

Bro buy (TINA) deep your hands inside and wait for a long time. Repeat morning and night.

I dey come my wash my face..

Shit hole...

Am interested

Am interested where ar u based and how much.

No alert from my side yet. Is this normal for primary?

where are u based?

if the calendar is anything to go by, i thought 19th oct is the next bidding day?

Thanks for the update.

just female?

Pls may i ask why most of your design doesn't have stairs behind at least for emergency exit. or as alternative exit

Which Samsung has a better battery capacity?

It's a good step, for those criticising the amount spent, u can do yours in a little scale. #following

I will buy 5 what's the discount.

how much

How much

Good way to go.

Any insurance coverage? Incase of theft. Also OP since you have been into it for some time now, what is the profit margin.?