₦airaland Forum

i was with my broker last week i had 2m to invest he advised me to buy afribank and i bought woth 1.6 and phb worth 400k . i have plan to dispose them by december so he advised these have promising returns. cheers

Hi all,

Please can anyone tell me how and who can help me get chinese visa, i would also like to know the cost of shipment from guangzhou to Lagos.
i want to travel in October along with my wife. we are to renovate our house in Abuja and we were told that we can get things cheap there and also variety of them. please i need genuine advise cheers

HAH

Hi all, i work in a bank and the notion most of you are having is wrong. at least i know we give out loan personally i have given out over 100 the problem is not that the banks do not  give out loans but most of the customers cannot afford it . Now let me give a simple example in Nigeria today an average 3 bedroom flat will sell for at least8 million let assume this loan is given for 20 years at let say 10% the calculation will be

Principal = 8000000/240 months = 33,333.33
Interest For 1st month = 30/365*0.10* 8,000,000=65,753.42
therefore Principal+interest= 33,333.33+65,753.42=99,086.75(Monthly Repayment)
Now in Nigerian there is a labour law that says you cannot use more than 33.3% of a persons monthly income to service loan. with the above calculation for you to have a loan of 8M at 10% for 20 years you must be earning about N300,000 monthly ladies and gentlemen how many Nigerianget paid 300k monthly

The second problem is identity problem. In Nigerian the government deliberately don'twant to have accurate data of its citizenry because of politics
Abroad you cannot have a person that is not in the data base he can easily be traced unless you are illegal.  from my personal experience 95 % of loan given to salary earners dont go bad because we normally give it out with employers consent  on the other side 50% of self employed default. so am more comfortable with salary earners.

In a nutshell for a common nigerians to benefit from mortgages the goverment and private sectors most increase their employee allowances  and also have a good data based for all adult in Nigerian and also ensure that we have effective credit bureaus to those who are not credit Worthy
cheers

Am really happy particularly for Thiery Henry, Up Barca

To me Obasanjo killed our democracy he had the opportunity of starting on a clean slate after the long military rule but he misused it not only that he introduced another dimension to our electoral system by conducting the poorest election in the history of the world. before now rigging use to be done by either snatching ballot box or fraudulent thump printing at polling stations, but now courtesy of obasanjo election are rigged by inec even before the election .He also introduced using soldiers to rig in Nigeria WHAT A PITY

Most of this people abusing ribadu are either yahoo yahoo boy or beneficiaries of corrupt government official. yes he may had some mistake but he ramins one one the bravest Nigerian ever

English
hausa
kanuri
shuwa
fulani
yoruba
pidgin

Dubai UAE

we are lucky to have drawn

Nigeria qualification to world cup is under a heavy question mark

kai this guys de show us shege

No wonder why shittu dey ordinary Bolton bench

El kanemi warriors

Muzambillu Aliyu
Robertor Musa
samson Siasia
Kabiru Baleria
Barnabas Inenger
Salisu Yusuf
Bala Garba
Lemmy Issa

Good Good Old days, what a nice thread

Na wao Bigmodo na Zimbabwe you wan now.

My fellow forumite i got this in my mail box :



Dear Friend,
My name is Senpreneur Olasunkanmi Saliu (a.k.a Ola Computer) your friend at nairaland.com with the username: infogiver.
I was one of the attendees of the all-expense-paid Scholarship in the “Basic Certificate Course in Entrepreneur” in August last year www.sen2020.com?olacomputer That is why I addressed myself as a Senpreneur.
During the programme, we were taught how to do business by the book and with the fear of God. That is to say, to be successful in any business, you need to have integrity, be honest and also have the fear of God in you.
Enough of all the stories. I have an information for you but I would like to know if you will be interested or not by answering the question. The question is this, “Would you like to know how to browse the internet (for) 24hrs with N500 only and make millions connecting other people”?
If you answer yes to the above question, then to download a free report on how it works and how you can make money with it, then click on the link below:

http://www.broadbandinternetbrowsing.com

OR

http://www.softpay.org/shop.htm and click the e-cover

I received a powerful testimony from someone that download the report, he said - Subject: You make me rich overnight.
He continued by saying - I made 90,000 naira the first day I connect my Internet browser. I collected 15,000 naira each from six people to connect them,
If you've not click on the clink above, click now to download your own copy of the free report and read the testimony yourself.
The link again is:

http://www.broadbandinternetbrowsing.com

OR

http://www.softpay.org/shop.htm and click the e-cover

To your online success.
Your friend,

Senpreneur Olasunkanmi SALIU

(a.k.a Ola Computer)

08068303060
NB: Your New Year Gift is an e-book titled “How to Build Profitable Websites Fast! The Best Strategies for Making Money Online Quickly by Joel Comm currently selling @ $47
The e-book is attached to this mail. To download it, click on the file name “BuildAWebsiteFast.pdf”


AND ALSO THIS

Hello Dear,
How are you today i hope you are fine. my name is miss jennifer,
iam a yung lady i saw your profile today at(www.nairaland.com)
and i became intrested in you,i will also like to know you more,
I hope you will be the true loving, honest, trutfull,
God faring,trustworld,sincere, and caring man,
that I have been looking for,
And I have something special to tell you about myself,
So please reply me now so that I will send you my picture and
tell you what i want to tell you about my self.
God bless you.
Yours sincerely jennifer.

Thanks siena for the insight. can you shed more light on mail as these two below i got from my mail box

Dear Friend,
My name is Senpreneur Olasunkanmi Saliu (a.k.a Ola Computer) your friend at  nairaland.com with the username: infogiver.
I was one of the attendees of the all-expense-paid Scholarship in the “Basic Certificate Course in Entrepreneur” in August last year www.sen2020.com?olacomputer  That is why I addressed myself as a Senpreneur.
During the programme, we were taught how to do business by the book and with the fear of God. That is to say, to be successful in any business, you need to have integrity, be honest and also have the fear of God in you.
Enough of all the stories. I have an information for you but I would like to know if you will be interested or not by answering the question. The question is this, “Would you like to know how to browse the internet (for) 24hrs with N500 only and make millions connecting other people”?
If you answer yes to the above question, then to download a free report on how it works and how you can make money with it, then click on the link below:

http://www.broadbandinternetbrowsing.com

                                      OR

http://www.softpay.org/shop.htm        and click the e-cover

I received a powerful testimony from someone that download the report, he said - Subject: You make me rich overnight.
He continued by saying - I made 90,000 naira the first day I connect my Internet browser. I collected 15,000 naira each from six people to connect them,
If you've not click on the clink above, click now to download your own copy of the free report and read the testimony yourself.
The link again is:

                 http://www.broadbandinternetbrowsing.com

                                                  OR

     http://www.softpay.org/shop.htm        and click the e-cover

To your online success.
Your friend,

Senpreneur Olasunkanmi SALIU

(a.k.a Ola Computer)

08068303060
NB: Your New Year Gift is an e-book titled “How to Build Profitable Websites Fast! The Best Strategies for Making Money Online Quickly by Joel Comm currently selling @ $47
The e-book is attached to this mail. To download it, click on the file name “BuildAWebsiteFast.pdf”


                                                                         AND ALSO THIS

Hello Dear,
How are you today i hope you are fine. my name is miss jennifer,
iam a yung lady i saw your profile today at(www.nairaland.com)
and i became intrested in you,i will also like to know you  more,
I hope you will be the true loving, honest, trutfull,
God faring,trustworld,sincere, and caring man,
that I have been looking for,
And I have something special to tell you about myself,
So please reply me now so that I will send you my  picture and
tell you what i want to tell you about my self.
God bless you.
Yours sincerely jennifer.

i was in dubai sometimes and i found myself in the same situation. well i got the AFRICAN HOME RETAURANT they have two branches 1) Al Hili Hotel mezanine floor sabakha road deira near wimpi after naif. 2) 18-20 lootah bidg street near calfornia hotel al nakhal deira near califonia hotel also near deira park hotel hope this will help.

hi all

I registered in DV 2010 for myself and wife . my wife is in her final year in University so when i got the education level i chose high school no degree cos she is yet to get the degree . but i was later told that by choosing that it means she has not finshed high school. now am comfused . pls advise me accordingly. thanks in anticipation

Is this car on ground in Nigeria

Thank you very much for for your suggestions. i tried the UK High skilled migrant suggested by Brownbonmo and i passed from the from the trial. Please i need advice on US MIGRATION too. Please is there anybody with useful infomation on USA in the house. Cheers

Thank you Siena. i was in the UK even last months as a tourist with my family but i have not been to US but will try next summer. thanks while i wait for you to finish your research. cheers

Hi all am a guy of about 33 year old married with a child. I work in a bank in Abuja and I earn =N=9M pa. I am so worried about the future of my children that am thinking of migrating to either US or UK by 2010 this is not because am not doing well here, but because of the uncertainty in Nigeria, I am fortunate to be close to those in control of both the private and public sectors and the level of corruption is beyond what you may be thinking. And things just keep on deteriorating by the day. In short am losing hope as things just don’t work here and when I went to either the UK or the Middle East things are so perfect with minimal or no corruption. I need a sane enenvironment_
I need the advice of those who live out there should I go ahead with my plans, if yes how do I go about it and what are my chances of succeeding.

Thank you

Hi All
Am trying to get UK visa for my self and wife just for holidays this summer. am earning =N=6.5m annually and i presenly have like 2M worth of stocks and also a land in Abuja and i intend spending 800k for the 14 days trip. Now my problems are:
1,my wife is unemployed and doesnt have any source of income
2,though i have friend in uk i want to stay in a good hotel how do i do the booking and payment
3 how do i book and pay for tours

I really want to have fun. pls i need genuine advice

I was in Dubai recently with my wife and it was an eye opener . PLS DO NOT ALLOW ANY CHEAP 419 DUPE YOU JUST WALK INTO ANY REPUTABLE TRAVEL AGENT AND GIVE THEM YOUR PASSPORT DETAILS THE COST VARIES FROM $190-$250 DEPENDING ON THE AGENT. DON'T ASK FOR ANY ACCOMMODATION FROM THEM JUST GO TO THE INTERNET GET THE HOTEL OF YOUR BUDGET ON ARRIVAL GET A TAXI THEY WILL TAKE YOU TO THE HOTEL STRAIGHT. why i am saying this is because i was a victim of an agent taking me to a hotel where i paid 500AED per night just for me later on discover that the hotel actually goes for 350AED the agents gets commission on every customer he brings to them and this happen just with Nigerians agents. so my brother take my advice Dubai is one of the most loveliest place you can go to. enjoy

According to my lecturer back in the university (Omar Hambagda Presently a senator in Nigeria) the years between a man and his wife should be 15 his argument is that the strength of a sixty years old man is equal to 45year old woman which is usually the beginning of menopause He said if a man marries his age mate or something close to it then at a certain age the man will be so powerful and the woman weak thereby not being satisfied He even gave illustration with a graph where the point of equilibrium of 45years old woman meet with 60 year old man. Personally I believe the age of marriage should be 20-25 for ladies and 28-33 for gents

In an exclusive interview with Leadership Sunday in Gwagwalada, Abuja, Professor Idisi said , "You want to redesign the naira and you are not producing enough, and not having enough exports to increase the foreign reserve, and you are importing and consuming so much, whether you redesign or not, the status quo remains."

He pointed out that "it is a psychological thing to put in the minds of people, that is, you want to make N1, 000 become N10, which doesn’t make food cheaper. But really the price is still the same. After a while, people will forget that N1, 000 is N10, and you now shift because of heavy demand; that will shift again over time to become N1, 000 because the country is not producing enough".

He argued that the whole idea was deceptive as there was not enough evidence to show that the policy was well-conceived and would impact positively on the life of the average Nigerian. "I think we are deceiving ourselves. All the policies introduced over the past eight years have not done much good to the citizens of this country: the production sector is in total shambles because we are still massively importing even toothpicks, motorcycles and what have you," he siad.

Instead of redesigning the currencies, he stated, policy makers should address the fundamentals which will have positive impact on the populace. His words: "I think the monetary authority, the CBN, should not play with intellectual figures on real economy. They should stop playing with intellectual figurism without the real happenings."

Idisi emphasised that the currency can only be strengthened if the country is producing enough for internal consumption and having excess of what is demanded externally.

THIS PIECE IS BY SAM NDA ISAIAH OF LEADERSHIP NEWSPAPER

At a cocktail party with Ambassador John Campbell, the United States ambassador to Nigeria, in which my friend from the Niger Delta, a practical joker, introduced himself as a militant from Bayelsa State. The ambassador, known to be quick witted, almost without thinking threw it back at him as he said, "You are welcome, as long as I am not kidnapped!" Everyone, including all the expatriates present, laughed heartily. It is good that we are able to laugh over such a very serious matter and I hope it will be possible to continue to do so for a very long time to come.
But the kidnapping business in the Niger Delta is no child’s play and it is not funny either. It is the new big business in town and it is killing Nigeria instalmentally. It is the fastest growing lucrative industry among the restive youths of Nigeria’s oil-rich region and its end does not appear to be in sight. It is probably the most creative invention of the youths since the discovery of oil in Oloibiri in 1959. These days, it is even much more profitable than stealing, the preferred recreation among Nigeria’s public office-holders.
The abductions are not usually done to harm. In fact, the quarries are generally treated with regard, respect and dignity. And when the kidnappers issue threats or ultimatums, it is customarily to hasten payment of the usually fat ransoms, which in almost all cases are paid in full, as requested.
In the Niger Delta these days, it is hard to see any ‘spare’ expatriate roaming the streets, even in the major cities. Most of them have gone into hiding and I hear the militants are complaining of an acute scarcity of their ‘wares’. Business is no longer booming. There was a time when all you needed to say goodbye to poverty in the Niger Delta was to spot a ‘white man’ on the street. People still find the ‘wares’, but not as easily as they used to. You do not even have to be skilled in the art of kidnapping, or even be a practising militant yourself to benefit from the trade. All you have to do is place a call to professional militants. I even hear that ‘brokers’ now exist to facilitate such businesses and in less than a week or two, you could be smiling with millions of naira to your bank. A white man has become even more precious than the crude oil that is the cause of the doom itself, so much so that if you are an albino or too fair in complexion, you would have to be wary of the kind of places you go to. The demand for expatriates has grown so large that there are now spot prices for the foreigners.
This kidnapping enterprise is one of the dividends of Obasanjo’s eight years of mismanagement of the country. Before then, the only bad image Nigeria had to contend with was the syndrome of faceless 419 practitioners. Now, nobody even bothers to discuss the 419 issue anymore. The only news about Nigeria you get to read or hear in the international news media these days, is of one abduction or the other.
In the civilised world, it is commonplace to hear governments declare that "we do not negotiate with terrorists". It is the basic principle of statecraft that even schoolboys should know. But in Nigeria, especially in the Niger Delta, the payment of ransoms has become a very large part of appropriated budgets. Crime is now big business in Nigeria, and it pays.
But there will soon be a major crisis. Expatriates appear to have ‘finished’ in the Niger Delta and the only oyibos left on the streets are albinos, who obviously do not attract high prices in the ransom market. Julius Berger left the Niger Delta a few weeks ago, because some of their expatriate workers were kidnapped. Shell has also closed shop many times over and several other multinationals will follow suit. Now the militants are getting desperate. They once threatened that they will expand their trade to Abuja and other far-flung areas of the country. Whenever they decide to do that, they will find willing partners in the North, where the people are even poorer and youths more wretched. And maybe by the time there are no more expatriates left and youths start kidnapping the children and relations of those in power, then we will be nearer to finding a solution to the menace. Recently, the boys kidnapped the mother of the ‘elected’ governor of Rivers State, who scored more votes than the census figures of the state. Within 24 hours, she had been released, but no one told us how much the boys made in the process. And Tuesday last week, professional kidnappers abducted Master Michael Steward, son of a Rivers State legislator, Mrs. Linda Steward. The little boy was abducted from a private school, Tantua International School, Port Harcourt.
These youths, who are usually university educated, are really no fools. They see how their governors squander the money meant to develop their states. Rivers State, for instance, generates about N6 billion as internal revenue monthly, apart from the between N5-N6 billion monthly allocation from the federation account. Occasionally, they also get windfalls from the excess crude account and yet, the boys remain largely with deteriorating infrastructure. Like other parts of the country, they have no electricity supply, water, drugs, or even gainful employment. To make matters worse, these youths see their political leaders and serving and retired military chiefs rake in millions daily from bunkering. One former governor of the area raised eyebrows not long ago when he paid a staggering $1 billion in cash to a US aircraft company for the purchase of several brand new aircraft. Such payment was the first of its type in the long history of the aircraft company.
It will be very difficult to contain this kidnapping matter, because it is so, so lucrative. In most instances, it is the only job that is readily available to the youths. It is even much easier than the bunkering business because, you do not need all the infrastructures of bunkering to do it. And unlike other businesses, you do not have to pay taxes.
To crack it, one has to recognise that this menace is directly related to the massive corruption in the area. The first point at which to start therefore, will be to ensure that the 13% derivation the region receives gets directly to the people. The current system of paying the derivation through the governors has failed. Another method that works has to be invented. If you think the Rivers State governor gave corruption a new meaning, what about the former Akwa Ibom State governor, who left a deficit of more than N50 billion in spite of all the billions of naira he collected in the last eight years? At least Odili ‘said’ he left N5 billion in the state’s coffers.
Today, most of Nigeria’s Foreign Direct Investment is in the oil industry. But if this kidnapping continues or the militants get more desperate than they are now and start killing their victims as in Iraq (nothing should be taken for granted), then the foreign investors will start weighing their options. And if it is the countries that are addicted to our oil that get desperate in the face of all this, then a part of the country could be occupied in the future to guarantee the free flow of the much needed crude but with far greater consequences than can now be imagined.
These are telltale signs of a failed state. And that’s what we got in the last eight years. Only a strong and credible government can even begin to start the rebuilding process. In any case, Nigeria has no choice but to urgently resolve the larger Niger Delta crisis, or else, with the quantum of money circulating in the region, and the cache of sophisticated weapons in the wrong hands, it will only be a matter of time before the area becomes a territory controlled by warlords. Yes, like Somalia!

If i were Ribadu i will resign because after making so much noise about how corrupt the past governors are nothing is happenning to them infact those that even ran away are back walking freely as senators or ministers to be . Nigeria we are in trouble and for Ribadu a policeman is always a policeman no principle

If i were Ribadu i will resign because after making so much noise about how corrupt the past governors are nothing is happenning to them infact  those that even ran away are back walking freely as senators or ministers to be . Nigeria we are in trouble and for Ribadu a policeman is always a policeman no principle

Someone said yaradua was a lecturer where did he make that much mine you he left the classroom in 1987( stand to be corrected) and this guys father was a minster in the first republic and his elderbrother 2ic diring obj milary regime and was governor for 8 years haba. If what he has declared is true then i think Nigeria is starting to see the light. But governance is a collective thing and he should be able to carry the wishes of Nigerian ordinary people and not PDP (people destruction party).

There is a saying in Hausa that says"so maso wani koshin wahala" meaning "to love the lover of somebody else is satisfaction of frustration" So my girl if this guy does not repond fashi him there a millions of guys out there waiting for you.

Happy searching