₦airaland Forum

Kennyking1234:
- First read, read, read... read books on investments, finance, study the lives of rich people, study their portfolios, do your personal research and due diligence before investing.
-know what you want and how feasible it is, also time frame.
- Dedicate about 40% or 50% of the capital to safe investment/ indexes/ETFs such as the s&p 500, Russel 3000, DOW 30, Invesco QQQ etc ( I think s$p 500 is the best)
-have about 10 % in cash just in case.
- look into some dividend stocks. e.g APPLE, AT&T
- 20% to 30% can go to growth stocks such amazon, apple, alibaba etc
- invest in different sectors tech, medicine, mining, sports etc
- 5% to 10% to emerging markets ETFs/indexes such as china, brazil, Africa, even Nigeria etc
- 5% to 10% to speculate on volatile equities such as cryptos, $tesla shares, penny stocks.
- long term bonds might also be included.
- Long is usually the best strategy but always have an exit plan in case.


NB: NOT a financial advise just my personal opinion,
incase you need some investment books(pdf) dm

This above

f

drimzsmoke:
The reason is below sir!!!

boss abeg what's the name of this book?

post=112961656:
We wonder ooo.
Some people sef....

ipob student highest at jamb. Something buhari no fit do

StrongAlphMale:
You're a foolish girl/boy So we should pet him here or what? Are you okay? Is he the only one facing problems in life? Sense fall on you there. Instead of the niggar to sit up and hustle tight, he's here getting bitter over nothing. Let him drink sniper and die tonight. You can kindly join him too and drink sniper too so you can both die peacefully. We no send!!! After all Problem full this country.

ipob member!!

HIGHESTPOPORI:
Has it been done? We should be asking of things that can be done like Igbo President not giving East self rule inside Nigeria , nobody will give you that in a democracy.We should be realistic in our demands

go and ask qubec canada.

post=112513365:
This happens in 85% of every marriage,
But it is what it is.
For better for worse.
They just have to live with it till old age.
If they leave the Marriage to another marriage, same thing will repeat itself.

just like you and buhari you would have to leave with him till old age.

[b][/b]use sun block no need to travel.
eat nice
exfoliate and
moisturize

suffering:
What’s new there? Abegi. Nigerian heat is intense thus will hit you in ways your skin will possess differing tones. Travel out, the lack of heat plus daily multiple applications of moisturizer will make your skin glow.

While at it let’s confront the matter of Nigerian women quadrupling in size when in developed nations. Exercise is black women’s enemy plus the food here is genetically modified hence larger sizes and calorie counts. Our females swell like soaked buns after three months here. It’s sickening to anyone who stays in shape.

please Sir, I want to buy your book, but it is too expensive for me. Please help

iLegendd:
This link will help https://www.nairaland.com/4640324/caught-him-caught-friend-doing

Moferere:
Wow.
In 2013 while I work as the consultant to Chris Ngige Campaign Organisation, Chief George Moghalu, from Nnewi was our D.G.

Today, George Moghalu has abandoned his Principal, Chris Nwabueze Ngige and he now follows Amaechi up & down.

I still need to learn politics.

are you from Alor

post=112250014:
Ijele the Handsome Bobo...
Na dem dey rush you

Amadioha fire cownu and all his brainwashed swines.

another saviour holy holy holy nnamdi KANU is another saviour.

Nezzjnr:
Lmao

Okota women??

I'm not surprised

you stay at okota

damo2014:
When you place side by side, the open embrace, acceptance and way of practice of religion – especially Christianity and Islam - by Africans with the corresponding under-development, hopelessness and despair that permeate the continent; you should be left with two choices in whatever conclusion you envisage making. These choices are it is either the religions, which we have been made to forcefully embrace is ineffective or their relevance in the life and affairs of Africans has been over flogged. It is therefore right to say some form of crime has/is being committed against humanity, with African descent at the greater receiving end. This is because the African traditional religion which was genuinely original and a good fit to the nature of Africans was so bad-mouthed to the extent of being substituted for some organized religions that are completely alien to the true cause of Africanism. My opinion on this is a topic for an entirely different day.

One unique feature that stays non-detachable from the understanding of the cultural wirings of Africa is that ‘’she’’ genuinely owns primitiveness. Times without number, various scientific findings and researches have successfully linked certain age-long events, happenings and behaviors to the continent which also give credence to the highly-traditional nature of Africa. Every African born on the African soil knows their root and knows how to trace it. It is almost impossible to see an African man or woman totally detached from some African cultural practices. For instance, it is not all impossible to come across a Catholic nun seeking fortifications with concoctions made of purely traditional leaves and roots. You can equally see a strong Imam making incantations learnable with the help of a trusted and tested ‘babalawo’.

So I find it quite easy to come to terms with the obvious reality that Africans’ acceptance of these organized religions is a direct opposite of what they truly are. More concerning is it that I brought this opinionated piece of mine to among other reasons, try to seek answers to some questions like: What do these religions really say about how they should be practiced? As a staunch religious bigot, what are my gains - earthly and celestially? What should be my limitations in the course of my religious practice? What are my sacrosanct duties, obligations and expected privileges, provided I do not fail in my discharge of those duties? How far can I go in the defense of these tenets? While answers to these questions should be readily provided for in the Bible and the Koran, simple reasoning can still be applied to do some justice.

Numerously defined by different scholars depending on their environment and leanings, the Wikipedia, a renowned encyclopedia also posits that it lacks an agreed definition as various scholars fail to beautify the term with a generally-acceptable definition. However, web.pdx.edu puts it simply as ‘’a set of beliefs that is passionately held by a group of people that is reflected in a world view and in expected beliefs and actions (which are often ritualized)’’.

Since these religions were founded by individuals who were not Africans, the peculiarity and perhaps, true inborn nature of Africans would naturally make it easy for them to be wrongly practiced, poorly-duplicated, bastardized and flawed.
Africans are not good at replicating foreign cultures with perfection and completeness. They have tried it with democracy that started from Greek. What have their leaders brought back with it? Failure. In lieu of elections which democracy is known for, they have chosen selection. This is also aptly playing out in the way they do with name bearing. They do not totally throw away their original African tradition when answering biblical names, which they only do for nominal sake, though. The efficacy attributed to names was what made a Nigerian human rights activist and Afro-musician, Fela Ransom Kuti, in recognition of his African root, change his name from Ransom to Anikulapo.

By African context, ALL prayers said in accordance with guidelines and acceptable tenets of any of the two foreign religions MUST be answered hook, line and sinker. This is irrespective of the fact that not only would such requests fall within the operational capacity of the government of the day, it may also be a core function of any responsible and responsive government. As basic as good road network, potable water system, stable electricity supply, conducive business environment constitute the smallest dividends of the citizenry to cry for, failures to meet them become a luxury for African citizens. Through religiosity which they know they are not sincere about, they push its delivery to God to sort out. This type of false entitlement is inherently an African thing and of a sad truth, it will remain so.

An average religious man would rather wait for an imaginary heavenly breakthrough in his business, study, marriage or job while equally spending precious man-hours in a church or mosque. Taking realistic decisions and constantly measuring them against results is tantamount to chasing a wild goose, to him. He thinks succeeding in this way is not as assuring as fervently following the orders of his religious preachers. Sit him down and ask what drives him in pursuing all of those inordinate desires, his response "i want to receive divine blessings that will make me shame his ‘invisible’ enemies". He wants to increase his worldly accumulations. He wants to marry more wives. He wants to drive expensive cars. He just wants to humiliate his fellow man. Everything is geared towards Self-aggrandizement and Nothing is geared towards the real intent of ‘’Religionizing’’.

This is not how religious Europeans think. Religious Americans are too busy to waste their good time in one church or mosque. Religious Arabians are not ridiculously self-centered like we are. Religious Chinese are even afraid of being outnumbered by the ever-increasing irreligious ones. They are becoming more concerned about their technological advancement. The Indians are busy leading the rat rate in world’s medicine and health system. The Jews have grown past what history makes us to know about them. Sadly, Africa is hypocritically ‘’religionizing’’.

wow nice write. Up I stay at okota too

adolfHitler1934:
This is where your problems is, sex.
You have not slept with any woman since you were born and you expect your hormones to be dormant. There is no way you can cheat nature.

Go and get yourself a galfrend, don't go to brothels for such thing before you get hooked. There are many many, too many girls and ladies looking out to have male friends. Have one, give your body what it constantly yearns for (sex) and you'll be fine.

There is nothing spiritual about your case. Nothing.

Go in peace.

isn't sex also bad.

saasala:
@Pray4meJC
Bro, I can tell you with everything in me that this is the source of your problem. Every of your problems will disappear the day you fvck a woman.

A friend of mine had this exact problem. His own might even be worse and I helped him out of it....And guess what? I helped him out easily in just one month.

Your problem is 100 percent psychological and not Spiritual. In fact if it was spiritual, your numerous prayers and fasting would have solved it.

All the porn and masturbation and creeping on people you did in your formative years have piled up and caused some things in your brain. At the age you got exposed to it, your mind was young and fertile and the wrong things were planted on it. Those wrong things started growing and having branches with thick roots.....Baba, things plenty wey I won talk but better if I can speak with you.

Now I am willing to help you. If you want me to help you, reply to this comment and indicate an interest and I will share my phone number with you.

hello

Drink lots of milk and soy milk

its needed

Banhammy717:
Only foolish parents buy Android phone for a child who is not yet in the university.

SugarGirl44:
Hmmm....
How can I get the book pls?

3500

smart man

Mooh247:
I am a full proud supporter of a Capitalist world.. socialism is for weakling and lazy over entitled grown adults

Even after God practiced Socialism and Welfarism in the Garden of Eden Human abused it and God himself made capitalism the best for man kind

Pdike65:
I thank God for MNK because by now Fulani supporter of APC would come into the town to kidnap us. I recalled how my family was attacked along the Enugu port Harcourt highway, but my brother killed one with his jeep. No life was lost. Long live. Till tomorrow I rather die than disobey MNK orders.

holy holy holy

h

holy holy holy

post=110704535:
They stole Almost one billion naira within 3 days?



Nigerians are the problems of Nigeria.......for real!


Greed and Dishonesty, the two main problems of an average Nigerian.
Read along to understand our reasons for saying so......

(N.B : If you are a fraudster and criminal on Nairaland,
Skip to the next post or you may not survive reading this)

*HOME TRUTH*

I run a manufacturing business and a trading business.
The biggest challenge in my manufacturing business is not power, or infrastructure, the biggest challenge is getting honest staff. Everyone we hire appears to be on a mission to steal as much as possible. Inflated invoices, recording less than the actual number of units produced. The worst part of it all is that all the fraud we've uncovered is not done by a single person, it's usually many staff who collude with each other, from production, to sales, to finance, even top management. There was a year I overhauled management 3 times in a year.........
But me, I've found a solution sha, I now use Indian management. So competent, so honest and so straightforward. I thought they were expensive at first with all the visa fees, accommodation, house staff, but now that losses due to staff theft have been reduced to a minimum, and efficiency increased, the Indian management has turned out to be cheaper than the previous Nigerian management. Now, all sensitive positions involving money go to Indians. Nigerians are only allowed in non-sensitive positions. I used to criticize companies like Dangote Group that hire so many Indians when there are many unemployed Nigerians, but now, I understand their decision.

My biggest challenge in the trading business is the same, getting honest staff. The form of trading occurs in the open market, and involves staff having access to huge sums of money running into a few millions. I know how much I pay to security companies to provide escorts for the staff, not to prevent robbery, but to ensure that the staff go straight to the bank to deposit the money after the day's sales and not disappear with my money. This money spent on security companies is even enough to be declared as profit. We have to spend on CCTV, biometric scanners and other things that wouldn't be needed if staff weren't looking for the slightest opportunity to steal.

It got so bad at a point that my main criteria for employing staff was no longer competency but honesty. At least, competency and skills can be learnt, but once you're dishonest, you're dishonest.

We always complain of the economy and how there are no jobs. I know people abroad who would have loved to set up job creating businesses in Nigeria but they can't because they can't get any trustworthy person to run it.

I know people in Nigeria with so much money, they want to start factories and other job-creating businesses but they can't because they are occupied elsewhere and can't get any trustworthy person to run the business. So instead of investing in the real sector and creating jobs, they'll just buy treasury bills, while the thieves are shouting no jobs.

Many big businesses would have been born in Nigeria if we could engage in partnerships, but we cant because you can't trust anyone. This is one advantage the Indians and Lebanese have over us in Nigeria. They can pull resources together and do mega-business, unlike Nigerians that because only one person must do everything since we can't partner, end up with small, tiny businesses.

Start a poultry and they will be stealing your eggs. Some will even go ahead to be killing the chickens so that they'll be allowed to take them home.

Start an entertainment/viewing/game center and they'll be pocketing your money. On the days you're around at the business, the money realized will be x10 of the money realized when you're not around..... Because they're eating your money.

Lease out a vehicle to a driver to use and watch as he'll finish you.

Start a restaurant, the same thing will happen. More than half of the total food ingredients will end up in their personal kitchens.

Even ordinary provisions shop, they will find a way to steal.

You'll see them with that their evil, wicked saying "na where person dey work, na there e dey chop, na e make dem dey callam workchop/workshop"...... Just imagine, justifying theft at work.

And you'll see these people point their crooked fingers at politicians when they're not any different. I usually say the reason most Nigerians haven't stolen billions of government money, is simply lack of opportunity.

*On every level, Nigerians are the problem of Nigeria*.


If the truth wanna kill the online fraudsters and criminals we have on Nairaland,
you guys should better die now.
We will continue to hit your head as much as we can with the truth and be against your fraudulent lifestyle ALWAYS.
For all the scams you have scammed innocent people all over the world, and they end up committing suicide or becoming homeless, and y'all here thinking you are living large, kid you not, you will never enjoy that fraudulent money, it will lead you to your grave soonest. (You can keep hating honest, and hardworking members on this forum, but some of us will continue to kill you with the truth.)
Only if God doesn't exist.
Thieves, Barawos everywhere.





**********************************


GREED!!!

When we say we are our own problem they start grumbling.....

Okay listen to these examples:

1. You sell chicken and add over 40% profit ,you are happy forgetting that the person that bought the chicken sells tomatoes and pepper.

2. The tomatoes and pepper seller has to recover the excess she paid for the chicken, so she adds her own 42% profit margin.

3. Teacher will come and buy these 2 items with what? She has no other alternative than to increase lesson fees or school fees.

4. You will go and rent house from a landlord who has paid excess for cement, sand, chicken, tomatoes and pepper, lesson fees, how will he meet up if not by increasing his house rent by 60%.

And the circle continues, it is not about dollars, dollars is just an excuse, abi wetin concern garri, beans and yam with dollars.

The problem is you and I and our excessive greed.



That is why you will forever remain the same way you are now.
No more shame to come to the public to say he's gonna steal people's money.
Lost generation!
Tueh!

Only a fraudster or criminal will be wailing about our above post.
We hope you ain't one of them kiddo?
If so, we understand your weeping about the honest truth.
No wonder you are your fellow children are always wailing and in serious pains reading our posts here.
The earlier, the better for you.
Advice from the elders


Hmmmm, this is deep!


Sure we do get the good ones among the youths.


Only sane, honest and hardworking Nairalanders like you will definitely like our answers and comments,
Not the miserable fraudsters aka, children of hate, frustrations and perdition that abound here.
God bless your legit hustle man.
It will end in praise for you.


Addendum:
The below are screenshots from a very recent party we went to grill Barbecue for one of our clients we met on Nairaland,
And the below are the amount of meats the food caterer hired for the event stole, ready to take home with her.
After telling people at the party that beef has finished!
(After being paid close to 2 Million Naira for her catering job!!)
A picture speaks more than a thousand words.
Shame on her and her online criminals here.....

how old are you

Fresno:
It's always nice to sleep with married women , despite my young age I have slept with two married women . It all started from them calling me my husband my husband, like play like play I comot prick fvck them well. Married women are easy to fvck ,just show them a little attention fiam Dem go open leg wide for you to enter .

Husbands in the house please give your wives the needed attention , care for them , love them , don't be too busy making money and neglect your sexual responsibilities, guys like me are always available when they run to our arms for solace .

post=111619938:
You can say that again.

Abuja is Beautiful.

God bless Nigeria.

foolish ipobian. You can't get real picture's. Nlpolicewoman

Ipob

lalasticlala

thanks a lot I would send you a text.

ShopSkincareWit:
Yes I do.
The Gavia sunblock cream is a good one and I sell at #3700. I personally use it and it's very good on my skin.
You can contact me via +2348176943007.

obisite:
Google whatsap for desktop via your laptop,
Download and install,
Open it.. It will launch and take you to that same image you have above..
Go to your phone.. Open whatsap
Click the three dot at the top right hand side
Click on link device/whatsap web..
it will automatically take to camera, scan the bar(Squared shaded region) on the laptop screen.

You laptop automatically gets you phone linked..

Mind u, Internet connection must always be on your phone, else you can't access whatsap on the laptop even if laptop is connected

don't you have sense.

Another saviour holy holy holy Nnamdi KANU is another saviour.

post=110293579:
Yes they have.

Okay bye!

KANU the saviour did.

F