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Herald9's Posts

Nairaland Forum › Herald9's Profile › Herald9's Posts

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Investment › Re: Fixed Deposit Vs Mutual Funds: Which Pays Returns With ₦100k Investment? by herald9: 6:03pm On Sep 27
Againstthewall:
Don't get me wrong, I'm not accusing you of anything. You quoted someone and asked a question, I was only trying to help you get the answer. That guy talked about baron business, and he was asked by many by many people but he couldn't answer even one person
Oops! Sincere apologies. I conflated things over here.
Investment › Re: Fixed Deposit Vs Mutual Funds: Which Pays Returns With ₦100k Investment? by herald9: 5:12pm On Sep 27
Againstthewall:
Carefully look at his moniker, there lies the answer to your question
What do you mean, man? Do you know how long this moniker has been on Nairaland? I'm not even selling anything. I only responded based on what I do. What's your problem, really?

Go through the thread and you'll see my response to how.
Investment › Re: Fixed Deposit Vs Mutual Funds: Which Pays Returns With ₦100k Investment? by herald9: 3:16pm On Sep 27
Morizo:
How much did you invest bro

Cos I invested 3 million in Stanbic Mutual Funds and getting a little over 40k monthly.

There was some months it dropped to 38-39k

I am contemplating removing the money to hut Dangote shares if the returns will be better

Can you advise?
My initial capital was 8m. The effective yield too has increased as per their email. Thing is, just put money you'll likely leave in your savings or rent and forget about it.

Investment › Re: Fixed Deposit Vs Mutual Funds: Which Pays Returns With ₦100k Investment? by herald9: 3:10pm On Sep 27
oneMalik:
your brain is working !

someone can not just come forward to tell people he/she earn 100K/months just like that ... without justification/explanation .
Already responded to this
Investment › Re: Fixed Deposit Vs Mutual Funds: Which Pays Returns With ₦100k Investment? by herald9: 3:09pm On Sep 27
This is the last email I got from Stanbic IBTC about my effective yield

Investment › Re: Fixed Deposit Vs Mutual Funds: Which Pays Returns With ₦100k Investment? by herald9: 3:06pm On Sep 27
Sphinx419:
For how much capital boss ?

So you dey tell me to lock my 7.5m for 9ja bank and in return I get 100k every long 30dayss oo not even 2wks. Man abeg go collect your money.. start baron business and get that 7.5m in a week. That kind investment na nonsense 100k every 30days. I frown to such angry
I used to leave the money in savings account and get deductions instead. It didn't grow. I left it in mutual funds and it's giving me those returns.

BTW, the smart play here is to dump your annual expenses like say rents into mutual funds. Before your next rent, you must have gotten grown parts of that rent back.

What's baron business, mbok?
Investment › Re: Fixed Deposit Vs Mutual Funds: Which Pays Returns With ₦100k Investment? by herald9: 3:02pm On Sep 27
Naturalgbola:
With how much capital? Hun
8m
Investment › Re: Fixed Deposit Vs Mutual Funds: Which Pays Returns With ₦100k Investment? by herald9: 11:03am On Sep 27
Mutual funds returns are better when you invest substantial sum. For instance, my Stanbic IBTC Mutual funds gives me at least a 100k monthly
Business › Re: 4 Things You'll Lose On The Way To Being Your Family's First Millionaire by herald9: 4:49am On Aug 30
Learn to say no. Run your budget every month and stick to it like the doctor's prescription.

Nigeria's economic situation is so terrible that everyone wants to feed on the few well to do people. You need to remember that life is a survival of the fittest. If you're down, they'll run.

Prioritize your wellbeing aggressively.
Family › Re: Relationship Dilemma by herald9: 1:12pm On Jul 04
Namaster:
Your sister is 31-year old and DESPERATE.
She's been WAITING for a man to call her OWN for nearly a DECADE.

Plus, she's clearly one of those people born with a built-in NGO software—ALWAYS on the lookout for a project to FIX.

Add that to being CHURCHY and you have a HORRIBLE decision maker like your sister.

The "brother" is banking on the CHURCHINESS of your sister to perpetrate his SCHEME.

His declarations of becoming a "Pastor" is also a RUSE.
With that frame perfectly established from the get-go, he can use BIBLICAL platitudes like being the "head of the family" and "wives submitting to their husbands" to SCAM your sister.

She will make the money.
And be FORCED to let the SCAMMER decide how it's spent.

Your sister is about to learn a very HARSH lesson.
By the time she's done with her education, she'd have become a Single Mother of THREE at 40.

Unfortunately, there is NOTHING you can do.
Women love FORBIDDEN love.

Telling her she's making a TERRIBLE mistake will just HARDEN her resolve.
Plus, it's going to make it more DIFFICULT for her to approach you for HELP when the man INEVITABLY starts showing her PEPPER.

Also, logic will NOT work with her.
Let her LEARN.

It's only MADNESS (and DESPERATION) that'd drive a Master's Degree Holder to be UNEQUALLY YOKED with a 35+ person with ONLY Primary 6 certificate and a VAGUE forward-looking statement of becoming a Pastor.

MADNESS!
I'm quoting this to to inform everyone reading that this is no joke. Everything described here happened to a relative. The man died recently and the his family is giving my relative serious troubles while she's struggling to cater for two growing kids all alone now.

The man never had a good job and was always at home or trying to open his own church and failing.

It's this same desperation that made my well-educated relative settle with this man.

The woman should rather die alone than set herself up for such misery.
Sports › Re: Iran Says Footballer’s US Visa Expires After World Cup Opener by herald9: 8:29am On Jun 17
BewareOf419:
So investing in nukes and missiles is for self defense by supplying Hamas, Hezbollah, etc nukes and missiles to defend themselves against the occurrence of October 7th right?

USA is being careful as a reasonable country not to allow these terrorists use World Cup tournament to penetrate into her soils, nothing political interference therein!
The problem with you Nigerians is that you don't read!

Do you know what brought about those resistance groups?

Read, man. Read!

Stop feeding only on western propaganda. It's not good for your health.
Food › Re: How Much Shege Does Semo Show You? by herald9: 5:15pm On May 26
This is how I prepare mine to be smooth and not too soft.

I add groundnut oil to the water I'm boiling. The water shouldn't be much.

Add the Semo to a bowl, also add some water and stir until smooth, as if you're making custard.

Once the water is boiling properly, add the Semo and turn. Keep adding dry Semo to the right texture you want.

Now the oil we added earlier ensures the Semo doesn't stick to the pan and it's smooth too.

Try and lemme know how it goes.

Every since I replace garri with Semo, I've never looked back.
Culture › Re: South African Tribes And Some Of Their Head Accessories by herald9: 5:43pm On May 11
My girlfriend is Venda. Met her in a Zimbabwean wedding.

We're trying to navigate this tension between Nigeria and SA.
Politics › Re: Is Peter Obi's Borehole In Zaria Still Working? by herald9: 9:05am On Apr 28, 2025
I love how this dunderhead is getting serious beatdown in his own thread.

Silly bots.
Politics › Re: Why Is Arewa Trying To implicate Igbos In The Uromi Killing ? by herald9: 4:55pm On Mar 30, 2025
Smartwave:
Then, you must be a foolish Yoruba. Because, average Yoruba man is well informed. And average Yoruba man is well details about information.
An average Yoruba, know about existence of different kingdom even before arrival of colonialism.

You're not a Yoruba man, if you think you are? Then, you need to ask some questions about yourself.
You're bleeping wrong, man.

The person you quoted understands the reality of things. Go out and touch grass, bro.

I was seeing this well-educated Yoruba girl. Heck, she even studied Pharmacy. But this girl argued with me that Akwa Ibom is Igbo even when I told her otherwise.

Till today she can't believe I neither speak nor understand Igbo.
Health › Re: Am I Infected With HIV?? by herald9: 7:02pm On Jul 16, 2024
It's a freaking ulcer, bro.

I had those symptoms when I was suffering from Gastro-esophageal disease (GED).

It's the Advanced form of ulcer.
Politics › Re: "Online Trolls Even Say Worse Things To Me" - Peter Obi Replies Wole Soyinka by herald9: 5:51pm On Jun 13, 2024
Nonny95:
Peter Obi on Arise TV
This one enter sha! cry
Romance › Re: My Wife Watches Cartoons More Than My Kids At 37 Help! - Man Laments by herald9: 3:24pm On Dec 09, 2023
This man is missing a golden opportunity.

If he watches and act along, that'd be such a happy home!

Smart people watch cartoons.
Family › Re: Why Do Nigerians Have These Kinds Of Names? by herald9: 4:02pm On Dec 01, 2023
Saw this post and I recalled an incident when I was teaching Computer science in Kogi state during my NYSC placement.

Told the class rep to write names of noise makers. He did and handed the list to me afterwards.

As I was reeling out the names for punishment, I stumbled upon a certain all-English names and I impulsively knew he was from the south, and specifically Akwa Ibom.

"Are you from Akwa Ibom?" I queried when he shuffled forward to receive his punishment.

"Yes." He responded.

I shook my head.


Akwa Ibom people are notorious for onomastic anglicization (😂). I could have been a victim save that my grandpa was highly learned and he usually rebelled against the assimilation of some western practices. Guess I got some of my rebellious attitude from him.

But I'm glad he did. Today, I'm most happy to flash my indigenous surname like a privilege badge, and will ensure I carry my people's culture forward - starting from the name.
Travel › Re: Ibom Air Receives Their First Brand New Airbus Aircraft by herald9: 7:20am On Nov 26, 2023
Nolevel666:
A lot of them are not educated.

Them women fine but can’t even speak fluent English
But what's really wrong with you people?

What's the correlation between what you just spewed and the current topic?

How do we validate your own level of education when you can't simply stick to a topic?
Politics › Re: How Satisfied Are You With The Tinubu's Administration So Far? by herald9: 12:14pm On Jul 01, 2023
JasonScoolari:
The 8yrs of Buhari's hardship did not teach you and your fellow never-do-well enough lessons?


E better make person born THIEF than to born MUMU.
I specifically logged in to like this post. Thanks, boss for putting the nincompoop, that dreg of the society in his place!
Romance › Re: I'm Worried, She Does This Every Night by herald9: 6:44am On Jun 01, 2023
SultanOfAbia:
I began to get close with a girl I'm dating for months. She started spending night in my house recently.
This is the 4th time I'm spending night with her and I keep noticing something strange about her
Due to the fact that I am a night crawler work late till around 2am

I noticed that the smallest sound wakes this girl up.
She can be in deep sleep snoring, if you just drop pen for ground. This girl will wake up.
She can be sleeping long hours if I move chair, just small sound. This girl will wake up
The sound of slippers moving is enough to make this girl wake up from deep sleep.

Any small sound this girl will wake up
I opened a can of malt, the sound woke this girl up. She will wake up look around and go back to sleep.

Is this a sign of trauma??
I feel like she doesn't sleep at all.. it's weird how alert she is during deep sleep.

I'm even thinking of dumping her
It's scary that she can easily wake up if pin drop for floor. Any small sound she will just wake up.

Is this normal?
Simply hold her tight, hug, cuddle, pat her on the back and send her back to sleep.

That gives her the assurance and sense of being protected.

You can even look her in the eye, smile and peck her on the forehead and whisper, "Go back to sleep, hun, I'm here".

Naija men ain't romantic at all!
Romance › Re: Why Are Nairalanders Not Getting Married To Themselves by herald9: 3:25pm On Apr 21, 2023
IyaebeTheGreat:
A lot of people have met on other social media platforms and eventually got married but it's a different game here on nairaland, why? Though it's common knowledge that we don't have much marriageable men on this forum(the few marriageable ones are already married) but we have loads of wonderful marriageable women here but it's obvious the guys here on this forum are not marriage material standard. Seun will share part of the blame on judgement day for contributing to the rise of unmarried singles who are now against the sacred institution called marriage. You allowed some group of men that call themselves redpillers to constantly mislead young men against marriage in your forum and not doing anything, they even have a thread for this evil act. I wonder how seun is going to respond to God on this on judgement day. Sirjamesjnr I still have my eyes on you and drfunmisticqueen, you can break this nairaland antimarriage yoke.
The same you that is going around emptying your bile duct all over the politics section in the name of hating Peter Obi is the same person asking this question?

Like Tasllesty1 asked, if you were you will you marry you?

The sight of your username brings this sort of repulsive sensation on me. I'm often always expecting you to spill hatred per post.

I can never entertain any sort of feeling for a username like yours. Not in this lifetime!
Politics › Re: What If All Opposition Parties Withdraw From Future Electoral Processes? by herald9(op): 2:32pm On Mar 12, 2023
Zandena:
That's going to be great!
At least we know there will be no horse trading and all the violence and killings occasioned by political thuggery. That will be a win win for Nigerians as charlatans like Obi will be put where they belong to.
So you're elated by the idea of an autocratic government? Then let's put democracy to bed. As you confess, Africa isn't ready for true democratic process. We're just wasting time, resources and people's lives for this faux electoral exercise.
Politics › Re: What If All Opposition Parties Withdraw From Future Electoral Processes? by herald9(op): 2:27pm On Mar 12, 2023
flokii:
Their loss.. the ruling party continues.
The constitution is very clear on elections and electoral conducts.
Please educate us on the constitution's position on this.
Politics › Re: What If All Opposition Parties Withdraw From Future Electoral Processes? by herald9(op): 2:25pm On Mar 12, 2023
gidgiddy:
For that idea to work it means that every political party, except APC, will have to boycott the elections

The problem with that is that APC will always find a way to get one or two of the parties to participate through monetary inducements
True. I never thought of this.

But they'll get tired in the long run.

Remember the story of Megamind?
Politics › What If All Opposition Parties Withdraw From Future Electoral Processes? by herald9(op):
Nigeria recently conducted it's presidential elections in February, 2023 and it was marred by massive rigging, voters suppression, disenfranchisement, threat and large-scale violence. Nevertheless, the Independent National Electoral Commission (INEC) has gone ahead to announce and issued a certificate of return to the alleged winner, Sen. Bola Tinubu.

In the ensuing appeal by Labor Party, INEC has flagrantly disobeyed the court order by blatantly refusing LP access to inspect electoral materials to consolidate the exhibits for their appeal.

My question is: What If All Opposition Parties Withdraw from Future Electoral Processes In Protest?

The idea of opposition political parties withdrawing from the electoral process due to foul play by the electoral commission is not a new phenomenon. In fact, it has happened in many countries around the world.

Should political parties take this route since we have completely lost faith in the independence and neutrality of INEC?
Romance › Re: I Lose Interest In Girls Easily. What Could Be The Problem? by herald9:
I used to be like you until I finally found my spec.

I love intelligent and hardworking ladies, girls who are knowledgeable and can hold a conversation.

To overcome this, you need to draft out the qualities and characteristics you like in a girl.

Then go find that person.

In the real world, you can never meet your match, so make adjustments along the way and be ready to accommodate slight differences and grow together.

Most importantly, find someone that's a goal chaser, and be a goal chaser yourself and you'll derive so much fun in your relationship besides coitus.
Politics › Re: Breaking News: Peter Obi To Congratulate Tinubu by herald9: 1:46pm On Mar 01, 2023
Go and force him to congratulate, fools!

After making a mess of the people's mandate, now you want to force everyone to accept.

You have done yours, we're coming with ours!

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