₦airaland Forum

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I'm on my way to the computer shop looking to get a solid working laptop for a protege.

He wants to use the laptop for school AutoCad works.

I'm thinking of getting him either MacBook Air 2015 or MacBook Pro 2012.

Which one should I go for?


Or, is there a better PC alternative?

Budget: #170,000

They can't stop borrowing, yet they call loan apps devils.

You read the terms and conditions. You know what their interest rate is.

Don't come here next week asking the Government to ban them.

Rahbiew:
Bless boss

I just sent you a mail boss, please acknowledge.

Aboguede:
Those meats there be like peagean sha

**Pidgeon**

chatinent:
For school wey job no dey after?

I sent you a mail, please acknowledge.

eteebanky1:
You're a fool and na your brain dy blank

Multiply that $20 by million of nigerians taking advantage of the limit per month

This my countrymen, na to dy import!!! Upanda Una sabi......produce, Una no fit

There are not up to 900,000 people taking advantage of the $20.

You sound like you stopped education quickly, what can you use $20 to import?

The best you can do is use it to pay for monthly subscription , or register for something.

timefarm:
Shame

Yea. Shame on all debtors.

HardMirror:
i was at that time disappointed with myself.

It's our reaction to an occurrence or circumstances that causes every kind of depression.

Because of the circumstances at that time, you "chose to be disappointed".

If you had could have laughed the circumstances off, you wouldn't have felt depressed.

That's just it.

React differently to whatever is causing that feeling and you will be fine. It's the power of the mind!

This is my second favorite Andrew Tate's take (I'm spillin' it here because it gels well with the discussion) :

"There's only one thing on the planet you actually have control over.

You can't control the weather , you can't control your health, you can't control other people.

The only thing you can actually truly control is what you think.
That's the only thing you can change in real time.

You can be thinking of red, and decide to start thinking of blue.
If you cannot control your own mind, then you go through life with zero control, zero influence.

You become just a weather in the wind, waiting for life to blow you from happy places to sad places to happy places and back to sad places.

It's your asset, it's your Ally, it's your friend."

------------------------------

The construct of the previous society ensured everyone had a level of control over their mind, so depression wasn't a thing.

Even in third world countries, there are just too many forces that enforces you to take control of your mind to a certain degree.

It's why many people only ever hear of clinical depression through the media, many rarely, in 3rd world countries ever knows anyone who knows anyone that is battling depression.


If, by reacting differently to a circumstance you can stop feeling depressed, then tell me how clinica depression is real.

HardMirror:
na problem o. Except people with mental problem. Depression is always attached to something you think you have no control over.

Please, can you tell me (you don't have to be specific) what caused your own depression?

BluntTheApostle:
Nigerians began to fight back after government started fighting the loan apps.

Initially, Nigerians were scared of them. In fact, people were borrowing money to repay. That was how many of them found themselves in a web of debts. Borrowing to repay because of fear of defamation.

Can you imagine? "Nigerians start to fight back after govt. started fighting the loan apps"

You ought to be fighting the government for not developing a loan scheme for the common man, but no, it's the only institution that's will to borrow you you want to fight back.

If you really want to fight them back, don't borrow money from them. If no one borrows, they will leave.

People were borrowing money to repay...
Can you imagine? So they have no provisions to pay back the money before, they just want to borrow and then repay 30 years later.
Nigerians are just too entitled.

Although I now tell people not to patronize these wicked and evil loan sharks, I also tell those who are owing them to never repay.

That's why they will continue to remain poor.

All they want is free money, lazy citizens.

No one should borrow money to repay loans.

If you don't have the money, don't kill yourself. Defaulting on a loan is not a criminal offense.

Can you hear yourself?

Yes, it's no criminal offense, that's why they can't arrest you even if that would have been their preferred option.

If you can't repay loans, don't borrow in the first place.

If you don't have the money, don't kill yourself, i agree. Sell your phone, your laptop and pay them back.

You are ruining people's business.

Business is about making profit, but the potential for losses are factored in as well.

In fact, gains and losses are the two most important characteristics of business.

Unsecured loan is very risky to give. The potential for losses is high.

Loan apps should know this before entering into the market.

Why don't you say it like this:

"Loan apps should sit still. If they don't get their money back, let them count their loss and move on. If everyone borrows and no one repays, they should wind up and find another business doing"

Say it that way and stop being indirect.

No one wants to lose. The hardship in Nigeria does not constitute an avenue for them to forcefully run a loss-bound business

They should also know that many Nigerians are hungry and desperate for money, and that makes their own potential for losses high.

Yet, when losses stare them in the face, they resort to criminality to recover their loans.

Even in China where they originated from, they are not tolerated. The Chinese government drove them out, and they went to poor Asian and African countries.

OKash, for example, caused mayhem in Kenya, driving many people to commit suicide. The Kenyan government began to deal with them. They ran to Nigeria.

Thank God, they have been dealt with here as well.

Maybe i will considering venturing into this loan business.

If you will borrow, you will drop a collateral.

Let's see if that ingrate spirit won't leave you by force by fire.

30 days?

These loan apps give loans for just 7 days.

If not that they are wicked and exploitative.

How can you give someone a loan and expect almost double the loan in 7-14 days?

If you can't pay in 7 days, don't borrow.

Is it that hard?

After you borrow, you now remember that you can't pay back in the agreed date.

What kind of a business deal is that?

They are in business.

They should understand that they can't do whatever they like.

You think they enjoy blackmailing you?
They just want their damn money back!

If they were allowed to do what they like, they will hire boys and loot their debtor's house. That's what "doing what they like" is.

HardMirror:
whole it is true that clinical depression is real, most cases do not need the medical intervention or classification it is given. I have been depressed, had depressed family members it is all nonsense to claim you need medical help to get out of depression. We are nurturing weakness in the name of clinical depression. Anyone who is weak and stupid should buy into the nonsense of being depressed

Almost everyone has felt "down" at different points in their life. But telling me you need to take drugs or be clinically rehabilitated on something that's only a construct of your mind, that's the real disorder.

Let me prove it to you.

When you were depressed, what caused the depression?

Ten06:
And if the person you blackmail have a way of getting back at you very badly or take you, you also deserve it.

Can you just imagine?

None of you deserve to be borrowed even #500.

I hate it when people agree to terms, default and then cry crocodile tears because they don't want to pay back.

If their terms don't favor you, go to your family members and borrow, or go to your bank and borrow.

Don't pester the loan apps, they are not charity foundations!

LordReed:
LoLz depression isn't real but people can be depressed? Can you get any more contradictory. If you knew what depression was you wouldn't be saying this so tell me what is depression?

Depression is clinically viewed as a mental health disorder. That's a completely farce, it ain't real. If you are feeling depressed, it's no different as you feeling excited or being angry.
How that managed to confuse you is beyond me.

He said if you could choose to build yourself from the ground up. Where does anybody get that choice?

You yourself preceded the statement with "if" , then you go ahead to say "where does anybody get that choice?".
That's a clear conditional statement, how don't you get simple things like this because of your default "whatever comes out of that guy is trash" mindset?

If that choice was possible, every man won't pick the fat, lazy, dumb and sorry version of themselves. So, given that you can pay with your time to get most of those features you would like to have (as you can with a click in video games), why don't you do it?

I didn't say you aren't fine with it, I said it will change some day so saying it's some kind of immutable law is nonsense.

It's not going to change any day.

It has everything because he said "my kids".

haaaaaa..... shit!

Atheists ought to understand sentence structures better. Are you telling me you don't understand the context there?
Don't be petty because you want to score cheap points.

Totally a nonsense conspiracy. Educating people on different forms of sexual expression is not "indoctrination". Do you even know what indoctrination is?

Yes. Having 8 year old kids think or feel they are a girl within and therefore need to morph into one artificially is indoctrination.

It's just hypocritical trash. He is taking paracetamol for another woman's headache but I am not allowed to do same? LoLz. What is his business if a woman chooses to have multiple partners like he wants to have multiple partners?

He's being objective. The world has been run that way. They higher a man climbs on the social ladder, the easier it is for him to run harems on girls who are themselves willing to be associated with him.
If women do the same, the society sees her as more of a prostitute.

It's the way of the world and Tate does swing that way.

But, i get, he just has to be painted a misogynist despite the fact that women don't have problems with being baby mamas.

LordReed:
Reread that post. I mentioned more than just matrix stuff.

Any of his take on matrix is bullshit. There is no fucking matrix. I dunno why people can't distinguish between a fucking movie and reality.

Hope you know his use of "matrix" is just a term he uses for "those in the top echelons of societal power". I still don't know what sounds like a movie there.
Why don't you point out the exact take that is bullshit?

I've reread the post and there's nothing to see. He was obviously trolling skydiving. I don't know how that got you triggered.

You will have to be clear on what particular he said about Allah that is trash.
You are just being random, how do you want me to assess your claim that he speaks trash if you continue being vague?

LordReed:
Just like any layman's take on what is a serious psychological and sometimes physiological problem in people. You think that temporary sadness that comes on someone due to unfortunate circumstances is all there is to depression? Tate is not an expert in this matter I dunno why you think his layman view is so profound.

Depression isn't real. That's the truth, there's no need for some cooked up expertise before any rational person can come to that conclusion.

Yeah because people choose how they look in the womb. LMFAO!

Is this supposed to be a rebuttal? You've just said nothing.

Who says it is a fundamental part of reality? Who died for you to be born? Nobody died to enable my existence. If in due time we can completely skip eating plants and animals while meeting all our nutrional needs what of it?

Nah. I and 5.55 billion others are fine with eating the fresh plants and animals. What you just said up there didn't take anything away from his take on veganism and vegetarianism.

Does he have kids?

This has nothing to do with what he said.

Typical conspiracy theory bullshit. "They are coming for our children!" even with no evidence that children of gay parents are themselves any more likely to become gay.

That was no conspiracy. Are the kids not being indoctrinated with lgbtq? So, where is the conspiracy?

Why is mutual respect a bad thing? You want to smash as many ladies as you like but don't want the ladies to do likewise. Is that not hypocrisy? Besides the mechanic doesn't even play out. All the ladies you smashed and dropped who is going to have them if not other guys? Or you expect them to remain celibate because you are no longer smashing them?

The ladies have enough brain cells to decide if the terms are in their favor. Some are cool with being baby mamas, and some are happy with being night stands. Why will you take paracetamol for another woman's headache?

[quote
100 takes of bullshit is still bullshit.[/quote]None of his takes here are bullshit.
You still haven't mentioned more than one trash.

exalt2009:
[q

I am very sure you are working for them.. because of people need loan and use the opportunity to blackmail them .. you gave loan of #5000 to pay back #8000 in one week and you expect the person to paid back, you are a thief. Even bank will not do so...fairmoney, Carbon,branch,migo all these loan company bare the best...they will respect your privacy but the rest are moneymonger....

Were you blind when you wanted to borrow the loan?
Did you not agree to the terms and condition?
Did you not know that it was #8,000 you will pay back?
Were you not told that you are to pay back in a week?

You knew all these and you are still calling the only org. that lent you money a thief. Are you not an ingrate?

If bank don't extort you like that, then walk to the bank and borrow from them.
If you don't like people's terms and condition, don't do business with them.

You are an ingrate for defaulting and then calling your benefactors a thief.

Too many entitled nigerians.

HardMirror:
i love his take on depression most especially. I used to be suicidal. He changed my mindset. I used to believe it was ok for men to cry until i listened to tate and i agree, it is not ok for men to cry.

How has he been conning people?

LordReed:
Did you read my first response to you? You asked for 5 and I gave you more than 5.

You only mentioned 1, which was his take on reading books.

In your first response, you were vague with the line "most of his matrix talk are crap". Which of his "matrix" talk are crap, cause he has said so many things about the matrix.

LordReed:
Did you read my first response to you? You asked for 5 and I gave you more than 5.

Post 5 of his statements you think are Ws.

ON DEPRESSION

"Depression is not real. Feeling depressed is real. So, you can feel depressed, but you feel depressed and that is a natural, biological, evolutionary trigger for you to change something in your life.

That’s your own mind telling you ‘you’re unhappy about X’. If I went to jail today, I’d be depressed because I’m in jail. I haven’t caught depression, I don’t have a disease, I’m just upset with my situation.”

ON DOING THINGS BY FEELINGS
The Person who goes to the gym regardless of how they feel will always beat the person who goes to the gym when they feel like going to the gym.


ON MASCULINITY
If you could choose to build yourself from the ground up… Like from a video game, just tick characteristic boxes and build yourself, nobody would choose to be a liberal soy boy. Nobody would choose to be a small weak guy who has to cry when he gets upset.”

On Veganism and vegetarians

Why am I supposed to feel guilty for destroying an animal so that I can grow when every single thing that’s ever existed ever has destroyed something else to grow. What, I’m going to come along and be Mr. Nice Guy and I’m gonna undo the laws of the universe.

You think because you sit there and eat tofu that you’re somehow changing the basic universal constants of the reality we exist within. You’re not changing sh*t. You’re a dork.”

“When you’re saying ‘I’m a vegetarian or a vegan’, you’re saying ‘I deny reality, I deny one of the most basic fundamentals of reality’ which is for something to live, something else must die.”

On LGBTQ
"I'm not anti gay, I'm not anti transgender, I'm not anti any of these things. But what I am anti- is, if you believe the kind of sex you like to have are sex that won't bring about reproduction, good for you. But don't come to my kids and try to program your LGBTQ agenda into them, they are my kids, not yours.

Leave the kids alone!"


ON BOUNDARIES WITH WOMEN


"If I have a chick, even though I know she won’t let them smash. Even though I know she knows what they’re about. Even though I know she’s loyal to me.

If you want me to truly love you, you are my girl. And no one’s gonna be allowed to even try. Even though I know you won’t let them… If you wanna go to the club you can go with me.”
Out of respect for me, it’s not jealousy, it’s territorialism."



------------

Ps: There are 100 more takes but time won't permit to share.

LordReed:
Hypocritical trash

Yea. His take on "reading books" and "football is a tool of the matrix" take are the only 2 take even his fans agree are a "Rare Tate L".

You ought to have so many for you to prove my statistics wrong. You only posted 1 trash so far.

On the other hand, I can post the 95% of his common Tate W. for you.

LordReed:
This is trash.

Where is the trash here?

Write out the "trash" here.
This is culled from one of the numerous Hadith in Islam. It's like posting a Bible verse.

You can do better.

LordReed:
He's a fucking conspiracy theory nutter. Maybe he's pretending so he can rip off some folk but why be enamoured with such trash? You can't find better role models?

What better role model are there?

He has the class, the network, the body, the money, and the mentality most men dream to have.

95% of the time, he speaks facts, facts that would have helped most men if they think exactly like he did.

3% of the time, he's being a troll or intentionally exaggerating his view to trigger reaction.

1% of the time. Bro is saying utter nonsense.

I bet you, you can't mention 5 statement he has made that happens to be trash.

LordReed:
How is he giving people a reality check by abusing women and scamming people? Want to see who he abused look here: https://v.redd.it/8uofe08x56c91

No. No. No.
Not you, LordReed.

There was a longer version of this same clip you posted where the girl was smiting Andrew saying "He uses the whip like a wussy, he couldn't beat her like a real man".

I know you weren't born yesterday, that clip you see is consensual BDSM. It's a fetish enjoyed by many people.

If it was something that could have been used against him, and with the number of influential people who will be happy to escort him to jail, that man would be in prison by now.

timefarm:
I can see you are hardworking on it. I hope you loan app is paying you well.
Though it is a shame if you are working for them only.
Can Human being be supporting the evil?

Most of the foolishness practised by the sharks cannot be tolerated in saner environment

Why don't y'all uninstall their apps and avoid doing business with them completely?
You can't!

Why?

Your friends and family members won't borrow you money.

Bank won't borrow you money.

You friends, banks and family members know y'all don't have a good reputation of paying back.

The only apps borrowing you money without much stress, you are callin' them devil because you don't want to pay them back despite you reading the terms, being aware of the interest and when your loan is due.

Is the above not the definition of an ingrate.

BluntTheApostle:
Many of those saying they won't pay back are those who have been defamed.

In fact, I encourage them to never pay back. Nowhere in their terms did they say they will defame or blackmail people.

When you defame people, you break your own terms. Why should the defamed then be obligated to continue to respect the terms?

Not completely true.

Most of these people borrow with no intent of paying back.

One was saying they should wait till he is rich.

A loan which is not even 24 hours due. They start counting a 7-day loan a day before they offer it, so you have to repay in 6 days.

It's the loan shark's money. If you don't like it, you can borrow elsewhere.

My brother, you need to be empathetic so that should the wheel come around and find you helpless, people will not mock you.

My empathy goes to the loan apps that just want to make their profit.

30 days after the agreement someone refuses to pay you back what will you do?

[See things from their angle too, their headquarters is not the CBN, they are not printing money from thin air]

Maro4u:
Thank God u are not referring to me... but still my bank Gtb is the best they give me load and I pay small small for a year ontop that I still collect salary loan sometimes monthly and they still give if I dont pay on time they dont disturb cause them know say I sure and I do meet up

Good!

The anger should be directed towards the banks. If I've been banking with you for long, you ought to give me a sizable loan credit, either monthly or yearly.

But instead, it's the loan sharks that are profit minded you want to send to relegation.

Winnin009:
Lol. Which one of them do you work for? I’m sure you’ll soon get laid off because you can’t meet your target. I understand your pain.

Sorry bro.

If I was working for any loan app, I might have summoned boys and directed them to the debtor's house.

We pick a valuable that can pay for his debt and give him his remaining change.

Jman06:
Those people are simply taking advantage of the poor economic condition of the Nigerian poor masses to fraudulently enrich themselves. They're criminals! Check out the huge interest rate they charge people and the short duration of time.

They saw the huge interest rate and the short duration and still went ahead to borrow?

If not for the fraudulent intent, a simple calculation would have made many arrive at the conclusion that they won't be able to keep up with the terms and therefore look elsewhere.

But no, they still went ahead to borrow.

Stevosty:
I no blame you, na the government I blame, na in make una dey exploit Nigerians, business organisation my foot.

Exploit?

The app did not install itself yet you said you are being exploited.

You chose the amount to borrow and consciously agreed that you will pay back on so so so with interest, yet you say you are being exploited.

I repeat, go and borrow from your friends or any of your family members. Leave loan apps and you won't be exploited.

BluntTheApostle:
Shut up, my friend.

What terms and condition? Did they put blackmailing in their terms and conditions?

In fact, during the sanitization program we held around 2021 which played a huge role in bringing government to the realization of the massive damage they were doing, we fully read at least 10 terms and conditions from these illegitimate apps.

Many of them claim that they use your personal information to assess your credit risk. That they don't save customer details to their servers. But that was a big lie. Because as soon as you default, you will see that they didn't follow their own terms and conditions. That they actually save personal data to their servers and then distribute it to miscreants called recovery agents to use anyhow, which contravenes the data protection law.

Nothing justifies blackmail.

Those people are stupid for not collecting a collateral before lending any nigerian money.

We all knew how this people evolved.

First they beg you.

Then they beg you more.

Then they beg you more to please pay them back their own money.

Then they begin to cuss and use force through blackmail.

If you pay up and just stick to the terms, they will be willing to borrow you next time.

See how many bast**** are on this thread claiming
"Loan apps are stupid. I borrowed from 15 different loan apps and I won't make my payment. Let them do their worst".

It's so sad that the worst they can do is call your family members and expose you.

There should a clause that will allow them come over to your house with law enforcements and take whatever valuable of equal amount to the money you borrowed.

All loan defaulters are ingrates and hypocrites.
They deserve to be flogged.

Continue to run your mouth till you see your loved one's picture being posted about as that of an HIV patient. Or when a sibling of yours is driven to suicide.

I and my circle have taken the right decisions in life, we will never stoop so low to scam a loan app.

Maro4u:
It's like na you call me last from lcredit cause this is exactly what the guy said... omo ona too bad lol God go help u guys too

How will they borrow the next man if the first one refuses to pay up?

Did you agree to the terms or not?

If you will borrow and run, borrow and run admitting to yourself that you've scammed an organization due to the hardship in Nigeria.

Even after not payin' back, many debtor will still come online to paint the same loan app that lend them money (which they do not plan on paying back) when none of their family members could.

It's hypocrisy.