₦airaland Forum

emmanuelewumi:
Have you heard of FSDH Merchant Bank?

A google search will be of help.

Just got off the phone with them. Their TB rate is 9.4% which corresponds with what's on the app. Annoyingly, they said the Coral income fund is 8% (whereas 11% is stated on the app). They insist the app has issues and is in the process of being corrected

emmanuelewumi:
Invest just what you can afford to lose in the numerous crowd funding Schemes eg 100k and below although I can't invest in such ventures because I don't invest in what I don't understand.


Try FSDH Asset Management, their rate is about the highest for now 11%

I haven't heard of them. Are they affiliated to any bank?
I just opened an FBN MMF account and their rates are about 8.8%

emmanuelewumi:
Not bad, but I have my reservations and can't invest in any until SEC starts regulating crowd funding in Nigeria.

If any of the big Investment houses like Stanbic IBTC Asset Management, FBN Asset Management, FCMB Asset Management, Investment One financial services, United Capital should promote any agricbusiness I will invest with them they must done their home work on profitability and sustainability. They have billions of naira under management. United Capital is managing fund to the tune of over N100 billion, Stanbic IBTC Asset Management is even bigger.

I know I can get back my money if the investment did not go as projected



I don't know if we are familiar with the story of a smart but dubious student of Obafemi Awolowo University who raised close to N2 billion through crowd funding from investors which he promised mouth watering monthly returns although he paid for some months this made the investors to invest more money and also invited more people into the investment scheme due to the referral incentives he introduced to the scheme. At the end of the day he eloped with investors' money valued at N1.8 billion this happened more than 7 years ago

My sentiments exactly.
I believe it's an area with very good prospects but with lots of new agri tech companies and lots of money to be made, without the right oversight, it may just be a matter of time before it becomes another ponzi-like scheme. I have no issues testing them out with little money, but the fear is that after that, one is likely to then invest significantly, and that's when they usually start disappearing.

Didn't know about that story but it's not surprising. Getting the money is one thing. They using it judiciously and turning out profit in a short while is the real issue


I'm looking towards FBN MMF. Though their rates are not so brilliant, but it's more dependable

Hello house.
It seems TBs have gone bust for now.
I'm looking at moving to Agritech (firms like thriveagric, crowdyest e.t.c) but they're relatively new, untested and not regulated. There are lots of them coming up and I fear they may crumble (we know how regulated sectors in Nigeria fare talk more of unregulated ones). Stocks are not my thing except I hand over to a stockbroker which I'm not keen on doing.

Anyone with experience /advise on the many upcoming agritech sites?

Offpoint:
Doctors In The House Please What's Solutions To This?

Have a friend who have been battling with rough palm for long now.

According to her, it happens like 8 years ago. She used to have a normal palm, until a particular day she helped someone to applied Relaxer without gloves. Ever since then, her palm started peeling and cracking causing her severe pains and pricks.
She taught it was just something that will go away in few days, but till date making 8 years she's been experiencing crack, hard and and peeling palm.
It get worse every harmattan seasons, there are days she can't eat she had to be fed by someone due to the pains.

she has applied all sort of treatment but they're not effective.

She said she has been to a clinic once but they couldn't specify what's wrong with her, they only gave her some drugs which ended up not being effective.

Please anyone with similar experience should please share whatever treatment they applied.

Doctors in the house, please your help is needed.

Please help me push it to front-page for wider audience.

@op l believe she is reacting to something. Very likely something she applies.
I used to have something like this. I tried changing detergents, creams e.t.c until I discovered it was Detol cool I was using that was causing it. Once I stopped the soap, I've never had anything similar again.

I'd advise she should change her personal items one or two at a time until she discovers what's causing it. Also, she should look into any medications she takes routinely cos it can also be a reaction to drugs/clothing.

You may ask why her but the fact is that every one is unique and you'd be surprised at items people react to

Omo blogger blogger and made up stories

Omo blogger blogger

Dehindepgenius:
I am almost completely sure you are not giving us the full picture. It would be really interesting to hear your wife's version of this story. As human beings, we tend to tell stories in a way that favors us and make us garner pity. If your wife is the breadwinner at the moment, she deserves your loyalty, respect and understanding. Taking care of the financial responsibilities of a home is not easy. You plan, you worry, you get afraid, you have sleepless nights...especially if your spouse does not pitch in.
Here's what happens. When a man loses his source of livelihood, every little move by a woman suddenly becomes emaaculating. The woman is already under a terrible strain and you are here to barmouth her to strangers.

I frankly do not believe you are doing enough. Factories abound, uber is there, the keke business is there, even uneducated teenagers from the north are hustling and making a good living riding bikes.

Yea, sometimes a man experiences setbacks, my dad did. The true measure of manhood lies in dusting yourself off the ground and trying again. These days sadly, there are too many lazy men who whine instead of actually being men. If you are here bad mouthing your wife, then I'm willing to bet, you do it everywhere. My cousin went through this. Everybody called her wicked. The husband's elder brother was like come and stay with me and I'll fix you up with something. They no tell the brother. Las Las he chases the man out of his home and told everyone to ignore the man because he is lazy. All he does is play video games and sleep.

Society is particularly unfair to women. A quick look through this site will convince any unbiased person of that. You already have men pitying you and condemning your wife which is exactly what you wanted. Oga poster, you came here seeking pity, looking for people to condemn your wife and soothe your ego and you already have faceless strangers doing that, but the truth is you are failing as a husband and a father. These people cheering you on and telling you your wife is wicked are in their ow homes hustling and taking care of their business.

I am a man like you and I will not lie to you. You are your own problem. Take these steps.

1. First of all, love and appreciate your wife. Thank her for all she does.

2. Pray hard and ask God to show you why you are experiencing hard luck. Folks here might not tell you the truth, but you may have a character flaw that is working against you. You may actually be lazy, most lazy people won't admit it. It may also be karma. You may have treated others, including your wife badly in the past hence the problems. Yes, it happens. Find out what the problem is and fix it.

3. Hustle, hustle, hustle! I don't believe in excuses. Real men don't. Meanwhile, what do you do? You can mail me your cv at dehindep@gmail.com.

This!

One of the most sensible responses so far

spyg1:
Take it or leave it. African children are like cows, the only language they understand is cane. Pls, spare me "in developed countries they..."

Nonsense.
Personalise such opinions. You are the cow

Lyonkingpin:
Dats how one told me she was a virgin, tried to force my way but to no avail, broke up make up after a year, when I kissed her the kissing game was more than what I knew, still kept the virginity line that she is keeping chaste till marriage. I Sha Bleep up, if na nw we go die for that room

Not an excuse for rape

I wonder if a popular leader said the same about men...Hell would have been let loose by feminists and their co-travellers

AjalaDtraveller:
I have one experienced medical doctor friend here. He works in the warehouse. He is passing through difficult exams and certifications and he said he needs to pass them to be retrained, although it's shorter term than for a fresher. But it's really been tough for him. This is someone who was qualified to work before. Yes you may relocate but you have to pass through this hurdles to finally get the licence to be able to practice in first world countries. Its not as easy as people think.

It depends on the country.
Lots of Nigerians are able to complete the UK licensing exams from start to finish in under a year. They do this while still working in Nigeria and now migrate and start work after the exams.
Moving to countries like Saudi Arabia is easier.

The issue is migrating without a stable source of income before passing exams. Also, one should know what countries are in more need of doctors and hen8less bottlenecks. For Example, Canada doesn't need as much doctors in relative terms as UK and since they pay higher, prefer to poach the few they need from other developed countries

homirefacuny:
Most of them are just demons. I remember when my mum was sick in 2003. We took her to a private hospital and all the man could do was administer drips for more than 24 hours. The next night, one of our family members who works the O.A.U.T.H.C advised us to take her there if we want her alive. Omo that man was just God sent. We would have lost my mum if we didn't adhere. Better health care no dey naija.. That's why the leaders run to first world countries to treat ordinary headache.

So I took your mum to OAUTH and she was treated. I guess it was foreign doctors who treated her there.
When next she's I'll, fly her out

adanny01:
My mother inlaw wasn't feeling well, she went to a general hospital and saw a doctor who wrote her some medication. She wasn't satisfied so she went to a private laboratory opposite the hospital. She tested herself for malaria and typhoid with malaria returning very high. The lab recommended additional antimalarial to her drugs but she opted to revisit the Dr to properly prescribe drugs for her.

The Dr sent her out of his office without looking at the result saying he gave her the right prescription for what she complained.

Lol. The lab should have prescribed the additional antimalarial they recommended.
I'm still wondering why someone would have to take two different antimalarials together

InvertedHammer:
/
He is right.

Pass USLME exams. Then if lucky, get Residency placement of minimum 3 years. Then one can do fellowship (for specialists).

To practice in US as a doctor trained in Nigeria will take about 6 years for very intelligent and "lucky" ones.
\

That is because in the US system, after graduation, one would get into residency so doctors coming from Nigeria get into residency too. Similar duration of residency as is obtainable in Nigeria.
The UK with a much more efficient and better health index than the US run a different system and doctors from Nigeria can practice there without getting into residency

RonaldoVido:
If a patient complains about you as a doctor abroad, you are finished. The fear of being investigated, suspended or having their practice withdrawn is what keeps Nigerian doctors on their toes abroad.

But they know nothing will happen in Nigeria.

Quality service delivery is anchored on strong supervision and it is lacking in the Nigerian Medical practice.

Absolute garbage!

Patients complain about doctors everyday abroad and an overwhelming majority of complaints are not even investment cos they don't meet the threshold.
You'd hardly see any doctor abroad who has practiced for a long time without a patient raising a complaint

abmart80:
Generally Nigeria Health Sector is a mess. My 16 years old daughter was sick last year, she was referred to Federal Medical Centre Abeokuta from our Private Hospital. On getting there, my wife told me they dont have anything, if you need drug the doctors will be the one to direct you to where to get the drugs, you dont bring the drugs they wont attend to you. After spending some months there she get better and go back home for monthly appointment at the hospital. Later they told my wife that she will need one surgery to undertake for her final treatment. Then when I was around I took her for that appointment one day, I met with the doctors and ask some questions regards the surgery, the doctor direct me to one hospital and told me they just did it for some kid some weeks back, one is 10 years and one is 12 years. I went to the hospital, they told me it will cost me 3.2m.

The when I get back home I went online to research about the surgery and I find out that the surgery can not be done for age lesser than 18 years, then I was confused, because of this I make an appointment for her in the country where I was residing did 3 months visiting visa for her to come and do the surgery. On getting to the country I took her to the hospital for her appointment and they did series of test and xray, then give us another appointment. Then finally on the day of appointment they lecture both of us that the surgery can not be done until she is 18 years, because it will affect her in the future if they did it now. They retained her appointment and told me she should come back after two years for the surgery.

And Nigeria doctors already done same surgery for 10 years and 12 years old kid without telling them what it may cause them and their parents in the future.

May God save us all.

So vague. What is the name of the surgery?

itsme01:
look, 10% of asset in Uk or US especially the lowly priced areas Nigerians buy asset cant buy two houses in the part of nigeria i come from, (southwest).. the reason houses go for as far as 400-500k is because intrest rates are factored into cost since you are on mortgage goto upscale areas in Nigeria and see what real estate go out for

The difference is that the average working population in the UK can reasonably work towards achieving such ownership while still enjoying other aspects of life while in Nigeria, most average working people takes decades to build substandard stuff in areas far from town and the highbrow areas are mainly fueled by corruption and some legitimate business people

chidekings:
That's a blatant lie,Nigeria is not good...we all know that.but they are many naira millionaires in Nigeria,who made their money through legitimate means.

We're talking about a society that gives reasonable opportunities to reward hardwork meritoriously. Trust me the gap is marked

grandstar:
He bought it through a mortgage. The money he was making monthly was towards a downpayment. My younger brother too wants to buy a house and he's saving up.

I doubt this house is in London. House prices there are crazy. He will only be able to buy a flat there and it won't be anything bigger than a 2bed if he's even fortunate.

So people including lots of Asians who own 3 and 4 bedroom homes in London have four heads?

Yes owning in London is more expensive but one would get it if he/she works towards it.

Peacemaker5129:
God bless President Muhammadu Buhari even though their votes are inconsequential to your victory

You, my friend is stupid!

Lol... These people are just using Africa for excursion.

Kind of she trying to experience what pre-civilization felt like

Tolzeal:
Touting is the way of life bro.

Unfortunately it is for some but not all

Mike23r:
i use itunes card..easy way

Just buy ITunes card and load to your account?

Tolzeal:
Bitch learn to edit videos.
This is so poor for Vlogger.

Young man learn interact with people like a sensible fellow and not a tout

Rita5:
Hmm lets be frank in this life please, A girl who works hard to earn a 1st class deserves more respect from you than you've shown here. Zuckerberg or no Zuckerberg. And FYI he isn't the only smart person alive. There are alot of smart people with 1st class degrees.

The problem with this thread is generalisations. I have met incredibly smart women in my life and I can say am one of those. The problem with most guys is that you guys are intimidated by smart women. You've always wanted your women dull and below you intellectually and those are the kind of girls you lot go for. And surprisingly when they show you their traits you start barking and generalising.

In this life smart women have to work twice as hard as men to even get half the recognition. We push, we fight, we claw our way to the top stomaching the hateful and inappropriate actions of men who are highly placed.

See I have come to realise that most men themselves aren't even as intellectually sound as they would like us think. They are still very much slave to their innate need to take women sexually. When we speak up, hardly anyone believes women but supports the guy most of the time.

This is a mans world it has always been so. I really hope I don't have daughters as my experiences so far isn't what I want them to go through.

I think I have digressed a bit but honestly there are a lot of smart, hard working Nigerian women out there. And educational achievement doesn't really limit this number. I have a single mom who worked to put food on the table and put me through school. Guess what she didn't attend a university let alone have a 1st class. So I do get your point in that regard but the thing is women who work hard to gain accolades shouldn't be brushed aside. But they should be given the respect they deserve.

Most of the guys I have met are insecure when dating strong women. I kinda dumb myself down abit to raise their ego but this isn't sustainable. As most times these men don't value you enough to value the sacrifices you make each day to make them happy. A womans life isn't easy really, study, learn and become great you get scorn, be basic and give them what they want and they will still say all you are good for is sex.

I realise early to stop living my life to please any man anymore. If you're intimidated then thats your headache, you don't deserve me in the 1st place. Funny enough I have really met incredible guys this way.

This was meant to be a short reply, I kinda got carried away by the reality that this thread portrays which is Nigerian girls have an uphill task from the moment they are born, to prove themselves.

This!
Question is how many men can comfortably date the intellectual successful ladies they talk of? We see comments Made here by same folks looking for 'intellectual ladies' against the likes of Chimamanda Adichie and Linda Ikeji which are ladies who rose through the ranks. A good number of folks would not date the intellectual successful ladies because of ego issues.


Also, It's impossible for Nigerian ladies to be unilaterally dumb. If they are, then Nigerian guys too are also dumb cos we all share a pool of genes. It's the same thing I tell black folks who degrade black women.

People keep complaining about data getting used up quickly without evidence. Most of them have apps which use the data without them knowing.

Before blaming the network providers, when next you want to recharge, reset your 'mobile data usage monitor' on your phone. That way, you can monitor how your data is used, can track what apps use your data and if the network provider is not giving what is stated.

The recurrent talk of 'opening one page and my data finishes' cannot be proven. I've noticed that most people who say this use up the data themselves without knowing.

Fact is, even if she wore the lashes on purpose, the school should have handled the issue better.

Dragging her about and making a video of it is an absolute NO. She's a minor and those involved can get into issues for that even if she was an adult.
Look at the embarrassment the girl would go through. It's not unusual for girls of that age to commit suicide after similar events

ucheuzor1:
Don't be too quick to suspect ok. Things are really hard in this country. Not everyone is bold enough to come here and express their frustration. The best we can do is assist. Any kind of job will do.

I'm not 'rushing to suspect'. Just wondering why someone without soup would go ahead to make eba he can't eat when he can simply drink the garri. That's strange...

BTW, feel free to lend him a helping hand

Bolu688:
Zenith Bank
UBA

These are the only banks Bro

Thanks man. I'd have to sort out my UBA card then

WorWorBoy2:
Always Igbos, wtf is wrong with these people tho.

No justification for your post. Crime knows no ethnicity.
We have criminal elements in every part of Nigeria.