₦airaland Forum

mcdokwe:
sounds like something I might need, is it an inkjet or a LaserJet?

I think its inkjet...

Juliearth:
Hello E-fam! It's good to be back here again after a few months of weaning myself off social media/Internet addiction. While I was away, I thought about different concepts and amongst these concept is the aforementioned,which I think is a tad thought-provoking and nairaland worthy. So guys, what do you think is the greatest invention and why. Personally,I'd say the Internet/World Wide Web, a creation by TimBl(sir Timothy Tim Berners-Lee) and Co, reason being obvious to you all. So what's your take on the greatest invention ever. Let's make this worthwhile.


Cc lalastica

For me its the computer. This has made modern science, engineering, transportation, commerce, medicine, music, education, communication and every other thing to speed up in development by leaps and bounds.

CodeTemplar:
Sold my solar panels months back and looking to invest it in office grade laser jet printers. Sellers be alert o.
Also need scanner, fingerprint capture devices(USB), and PC. Sellers beware.

I have an A3 printer, copier and scanner 3 in 1 machine. Bought brand new for a short duration project. Afterwards packed it back into the carton and never used again.

It was used for a printing some engineering drawings about 1000+ pages. When I compared cost of running it from a business centre and buying one with print papers it was far cheaper. You can print on wifi and from your mobile phone.

Now looking for a buyer.

Kindly look my way when you are ready.

PS: You may need to refill the ink cartridges though.

3.5m available...Can you post picture of the VIN please?

Good morning

I am looking to buy an RX350 2010. How much should I budget for this.

Kindly share breakdown.

Regards

I need someone who can work on a 3D (not CAD) model urgently. Please dm me

The only one(1) thing Tenants wished Landlord Knew is, Country is hard!

Pr0cter:
Keep quiet jor.

Eeeyah, he wont buy your drugs that you are trying to market...try harder!

When you move into an apartment new or old...

Rule No. 1 Change the locks of the main door!
Rule No. 2 Locate the nearest apiam way...
Rule No. 3 Make friends with the nearest aboki or petty traders around, they will tell you the secret of the area
Rule No. 4 Never move into a neighborhood that you become a spotlight, especially having the biggest and best ride. It easily gives you away.

Joseph in the bible told his dreams to people who had nothing to contribute to his dreams but rather to end him and his big dreams...

Keep your success stories to yourself. Let your success tell its story by itself.

Get new boxers. Old boxers are the reason, no matter how much you wash them...you'll thank me later for sure

uboma:
This one na aka gum.


You collect as little as 1k from your wife.....

So until it is NGN1million before he should collect it?

Price?

Kinikini:
Ouch. Unlike me. I should have provided an update. I found out it was cooling at its best capacity really. My room is probable too big for it. I will advise the 1.5HP as a minimum considering its' effectiveness. But it works fine.

Much appreciated.

please whats the size of your room then, this info is highly needed

Would you like to try BOI?

If on hire purchase, what are the terms?

I have an idle Corolla. Bought a bit expensive for 2m a year and four months ago

Still available

Acidosis:
Real estate is a long-term investment, T-Bills is not. Let's not forget this.

No one buys a land or builds a house and expect a return on investment in 91 days, 1 year, or 5 years. It could take 20 years or more.

However, there is no guarantee that a liquid investment like TBills will remain after 5 years. Just a little liability, and everything is gone. The easier it is to sell/liquidate, the more difficult it is to sustain over a long period.

We are only carrying out a comparative analysis between investing in the capital market today and investing in real estate for a young investor with the volatile Nigerian business environment in mind.

By a young investor we are looking at the young passionate Nigerian who struggled through to get at least a university education. Searched and got a job that is not too fantastic but at least he can get by. Such does not even have a rich uncle supporting etc. In this instance he has to decide between these options, which should take precedence.

IamR:
I don't see anything wrong in a young man building a house to live if he can comfortably afford it. To be honest with you, he is right, it is just that we all like the prestige that comes with being called a landlord or attending landlords meeting. My younger brother completed his house in Abuja two years ago, as I am typing now he has not moved in. I spoke with his wife to know why they are still in a rented apartment, she responded that if they had known what they know now, they would not have built that house. They are still in Wuse 2, while the house is in Dutse Alhaji. They are looking for a responsible tenant to rent the bungalow.

Most times these houses built by young investors are far away from the city center where social amenities are scarcely available and are not where you like to raise kids! if they are rental apartments, the rents are not usually what you envisage or planned it would be. My in-law built a 2 storey building of 9 nos of 2 bedroom flat. To rent out the building was tough. He built a personal house off town which he could not stay in owing to security and proximity reasons but still living in the city center in a rented apartment.

ahiboilandgas:
I really don't how to explain it may be when u start approaching 50 years u will understand .....it beyond just having money in the bank in tb ....i have a personal resident of like 30m and above average investment in tb ,and bond ....my home can generate 1.5 m if I choose to rent out or generate 3.5m if I put in t.b but there is an inert happiness the home bring ...no tenancy agreement , so stupid letter from landlord no quit notice, I can't renovate any time ,I can add improvement

Very valid point sir.

Like i said, building should not be at the expense of investing as the later is guaranteed (low risk), pays more and flexible. In your case you must have paid your dues and you deserve a home built from profit/proceeds not loans. Though this takes longer.

Young investors have nothing to gain from being called "landlord" early in life while they run the risk of loosing their sources of livelihood and are caught in the middle of no where owning a big house with no income to run their families.

ahiboilandgas:
A home is beyond just structures ,we get connected to ours this value cannot be gotten from a rented place.....we connect with the neighbourhood for life ,kids make friends etc..... we integrate into that community ....i don't advice young investor to use up huge capital ,

Agreed but this was when we still had closely knit communities and neighborhoods not this age and time where cars are wound up, window blinds close up and houses are fenced up! People rather belong to a digital community or whatsapp groups than live in a real world...lol!

This is NOT going to change anytime ever

I live in an apartment where we have had times when as neighbors we stayed for months without seeing each other though we have a whatsapp group to address common issues of interests.. #fact

Willie2015:
There is nothing archaic in a young man first building a property to live.....
It is the first law of investment ...... if you can afford it ....
You can save the rentage cash and use it in other investment vehicles over the years...
No one will ever tell you that TBills has its own bad days too...
We have seen the days of 2% -7%.... each invst class simply has its bad days and good days...

Also realize that with tbills your liquidity is very high. You have the chance to via into some other business venture whenever the rates are not gelling.

In investment "cash is king"!

Why building to live in or making profit from rent is the latest type of self-scamming in town.

I was discussing with a friend and we ran the simple analysis. Buying or building a house (duplex) costing you about 40 - 45m in a choice area including cost of land, building et all. That same 45m annually at a modest tbills rate of 10% will offer you about 4.5m which can still afford you a decent rent of 2m (assuming you have a moderate taste) with a balance of 2.5m that can adequately take care of school fees and some family upkeep.

Meanwhile the 45m duplex built will require some 22years before it starts to payoff or break even! This is not to consider the fact that a 20-year old house is already becoming old, maintenance ridden and of course boring. In a stricter sense when the kids are grown and someday leave the house you spent fortune to build, it no longer becomes welcoming as they move to boarding house or out of the country for further studies.

Whereas a rented property gives you the opportunity to move around from one part of town to another and still have a decent income to fall on, or utilize especially in this economy where there is no job security.

On the other hand in building to rent out. Statistically it goes to say that rents generate about 5-10% ROI and not profit to the owner annually.This translates to about 15 years before you start to make any profit from an investment of about 45m! Moreover, when a house is rented out the first rents are easy to get but subsequent rents suffers from what basic economics call diminishing marginal utility...lol

This is not to say building a house is bad or wrong but you can slowly use proceeds from your tbills and other sources to do this. Plan to build the house over a long period as a form of retirement home to present to yourself and spouse after a hardworking life or relocate out of the country as the case may be. This is obviously when the kids are already gone to college and the nest is becoming empty.

austine4real:
yes stanbic ibtc mmf

I tested them with investing and ease of withdrawing 100k before doing bigger sums. It was easy to invest in but to withdraw was a hell of trouble. In fact it required me to visit their office to apply on paper before getting my money. Afterwards took about another 3 to 4 days before I got alert. I abandoned the platform pronto and stuck with FBN edge. I invested about 6m at a point and withdrew same within 1 to 2 days. Did not visit any office nor called anyone. It was quite impressive!

Few days ago topped up with the transfer method before noon and got value same day in my account.

GrammarNazi1:
...action prevents...

...actions prevent...

...actions prevented...

Can you please share more pictures if you have?

KNIGHTBlaed:
Nice observation. I noticed it too.
He'll have to prove to us that he's Legit... There are so many ways of doing that, so it's up to him

Simply, let him retake pictures of those items from a different angle placing a hand on it.

Or displaying his middle finger in the picture. That'll make us believe those items truly exist and not just pictures taken from the internet.

The reason you won't get response is that your title of the thread is faulty. Correct that one fess. People who will visit your thread are only those who seek such information too and not those with answers...

Can you assist with DPR and NSITF registration services?

I have 3.2m available. What can you do for me sir