₦airaland Forum

Happy New Year guys.

Feshizzy:
The Journey so far....

Wow!! Great work.

I should join this challenge in January.

VlamesIffect:
Thanks boss man, can i see your trade explorer.

I don't have any at the moment. I don't see a need to show my trades live at this time.

VlamesIffect:
He's Asian. Those guys ehn. The performance is baffling. How? I really wish i can track the person today.

Every skill (including fx trading skills) can be mastered. The truth is some of us will need 2yrs, 5yrs, 10yrs, 15yrs or above to master the art of trading. If you get to this point of mastery in your trading career, You will not regret the 'N' years you spent learning this skill. It pays off!!!!!

This PDF helped me.

Efulefu:
I bought my paper lamination machine in January 2021 for #27k by then.

Got a busy street nearby, where there is business center and NIMC / NIN registration center.

I laminate Nin Slip for N60, other papers for N120.

For 11 months: lets do the maths:
I usually laminate 70-100 Nin slip per day, for the hope of smooth calculation, let it be 80.
Other papers, lets it be 20.

60x80x30x11 = 1,584,000 (N1.584M)
20x120x30x11 = 792,000 (N0.8M)
Total = 2376000 (N2.376M)

That's agood amount...
Guys,ladies don't be lazy please, embrace the corn-tree (9ja), there is alot to get with tiny businesses like this,it will only cost you time.

Note: [b]extract sundays, sickness days and other necessary leaves from the 11months and from the total amount. cold, rainy or hot weather is not in my calculation, I use to be patient and work from 6am to 10pm no matter the weather, only if there's no people (may be due to rain), Family matters are not honored by me within this time, to invite me to somewhere, na you waste your time, the N50 is better to me than your wedding or so and so....[/b]

Remember, at first I only had N30k, 27 out to buy the machine, 3 to buy laminating film.

I only have half of the money with me right now becuase of:

*Feeding
*When I got my first 100k, I bought new SUMEC FIRMAN GENERATOR
*My mom and Dad exfences
*Bought a new bike for N380k
*Bought a plot of land to build a small shop (computer center)
*Buying of laminating film, which is currently 3.6K after each 4-5 days
*Bought Infinix Hot 10 for 56k
*And many other things.

Things that helped me More:
*Patience
*Perseverance
*Prayer for success
*Selfishness
*Not having a boyfriend to distract me.

I will use my remaining 1M to buy computer, printer, photocopier and other computer center business tools.

Help other youths.

I love your person already. Keep up the good work. Stay focused.

Okay

samfelly:
Boss, I am not trying to make you feel like you don't know what you are doing. I don't know for how long you have been in this Forex sphere - although, it is not long I started myself. Just a year plus now - but I know that this is not how to use the Fibonacci Retracement tool. That's if we believe Babypips holds something real.

One love

Smiles.

In FX there are no right or wrong method of trading or using any tool.

What we have rather are profits and losses. If you are making profit with whatever method then you are right but if otherwise then you are wrong.

All these are not just a function of the number of years you have been trading too. You can be 10years old in this biz and still be losing .

Good TP points for GJ....The red lines

Hello , From Our Fx Academy.

If you make the right decisions you will be rewarded but if you make the wrong decisions you might be remanded .

ahnie:
My husband became restless at some point when the aroma from the food was killing him...lolz.
He was ahnie how far naw,what's going on.i had to press him one fried plantain to calm his igbo nerve down,Nnam Biko calm down..
Indeed isoko amaka.


Pics of the place where the food was prepared
Abeg make una no yab me o

Madam, thanks for this.

For a wise person, so much lessons can be gained from the pictures.

I see you as a prudent woman. You are doing well.

Here you go


https://docs.google.com/forms/d/1uA5LIqk5ZZQToW2jcNM4F9J5vOkTS-1g1e8QVL1on1U/viewform?edit_requested=true

Much to learn from this

Binance:
Oga, so in all your academic prowess you can't identify the difference between "given" and "giving"?

And I guess you know nothing about paragraph too.

So sad you are part of the low performing students you are trying to castigate (no apology)


Hypocrite

I think we could have done better with this reply. The issue he raised is a fundamental problem in the educational sector.

Some Learners with a far below average score are made to progress into higher classes without gaining the required knowledge. This is not good for our nation.

I understand he made some general statements which are fallacious and one or two typos but can we focus more on the message he is trying to pass across?

Finally !!!!!!

Good video for Your kids


https://www.youtube.com/watch?v=ebDYrJrzbWs

Parents, give your children the training they need to live a good life. Give birth to the number of children you can take care of.

Good education video for your children


https://www.youtube.com/watch?v=ebDYrJrzbWs

Escaped.......

Good video for our children


https://www.youtube.com/watch?v=ebDYrJrzbWs

Nice view. I hope it's worth the Budget.


Sing and Learn


https://www.youtube.com/watch?v=ebDYrJrzbWs

We need find solution to this challenge as a nation .

Good educational songs here.


https://www.youtube.com/watch?v=ebDYrJrzbWs

Hmmm

Okay

Okay

Okay, hope they make it very practicable.


Relax with our educational video songs for Primary school learners.


https://www.youtube.com/watch?v=ebDYrJrzbWs

Some battling with flood due to heavy down pour others provoking the weather to rain. Na so life just be.

Education!!!!

We came together to compose some songs for children to allow them 'sing and learn' in the process. Over 80% of the songs are original.
As the leader of the team, I want to show this video to the world. I am just so proud of them.
Thanks for working together on this project and for our school.

We will be very pleased and delighted if this can make the front page. Help us quote the mods, thanks.

Just sing and learn.



https://www.youtube.com/watch?v=ebDYrJrzbWs




https://www.youtube.com/watch?v=KMhSpZrmZxQ


Lyrics:

School's Anthem

First class School
We are proud of you.
Our learners are great and wise.
The motto of our school is excellence driven.
First class School is a great school.
Our labour shall not be in vain.
Our goals shall be accomplished.
First class School is a great school.
First Class School is God's School.



PARTS OF SPEECH
Do you know all the parts of speech? (2x)
There are eight, parts of speech, and I will mention them to you.
Noun, Pronoun, verb, adverb, adjective, preposition, conjunction and interjection
Are the parts of speech.

A noun is a name of a person, animal, place or thing.(2x) Jerry, Cat, Warri, Fan are all examples of nouns.

Pronouns are those words(2x)
used to replace a noun(2x)
Types of Pronouns(2x)
•Personal Pronouns: I, he & She
•Possessive Pronouns: Mine, hers and his
•Reflexive Pronouns: Myself, himself, herself, themselves, ourselves, itself

Verbs are action words, verbs are doing words, run, jump, swim and sit are all examples of verbs.

Adverbs are those words (2x) that tell us more about how an action is done. Adverbs tell us how (2x)
When and where, an action Is done. For example: Carefully , Sweetly , softly , gracefully

An adjective (2x) is a word (2x) that tells us more about a noun (2x)
Types of Adjectives: Description, Numbers, Demonstration, Interrogative and Possession.

Preposition are those words that show relationship with a noun and other words, such as: On, in and into, under, below and beyond. Preposition are those words


Conjunctions are used to join words together (2x) if, and, because, so are some conjunctions. Conjunctions are used to join words together.

Interjections are those words that show emotions and sentiments such are surprise, joy, disgust, excitement, enthusiasm are those words.


BIBLE SERIES
12 sons of Jacob
Reuben, Simeon, Levi, Judah, Dan, Naphtali, Gad, Asher, Issachar, Zebulun, Joseph and Benjamin, Dinah is the Daughter.
12 sons od Jacob!!

DORCAS was a kind woman, DORCAS was a good woman, She cared for the poor, cooked and gave them clothes, everybody liked DORCAS
DORCAS!!

There were Twelve Disciples Jesus called to help him.
Simon Peter, Andrew, James, his brother John,
Phillip, Thomas, Matthew, James the son of Alpheus,
Thaddeus, Simon, Judas, and Bartholomew.
He has called us too (2x)
We are his disciples, I am one and You.
He has called us too (2x)
We are his disciples. We his work must do.

Love, joy, peace, longsuffering, gentleness, goodness, faith, meekness and temperance.

Word of wisdom, word of Knowledge, the gift of faith, the gift of Healing, working of miracles, Prophecy, Discerning of spirits, Divers kinds of tongues and interpretation of tongues.

39 books in the old testament, 27 books in the new testament, and all together are 66 books in the bible.

There are 7 continents in the world, I can name them, what about you? Jesus loves all the children in the continents, so let us name them now. North America, South America, Africa, Asia, Europe, Antarctica, Australia. These are the 7 continents in the world.

7 days of creation.
Day 1: Day and Night
Day 2: Firmaments
Day 3: Land, sea, Vegetation, Plants
Day 4: Sun, moon and Stars
Day 5: Sea animals and Birds
Day 6: Man and beast
Day 7: God rested.


Weather Instruments and their uses
Rain gauge: Amount of Rainfall
Wind vane : Direction of wind
Barometer: Atmospheric Pressure
Thermometer : Temperature
Anemometer: Speed of wind
Hygrometer: Relative Humidity
Hydrometer: Specific Gravity or Density

1ST 30 ELEMENTS
Hydrogen
Helium
Lithium
Beryllium
Boron
Carbon
Nitrogen
Oxygen
Fluorine
Neon
Sodium
Magnesium
Aluminum
Silicon
Phosphorus
Sulphur
Chlorine
Argon
Potassium
Calcium
Scandium
Titanium
Vanadium
Chromium
Manganese
Iron
Cobalt
Nickel
Copper
Zinc

8 Planets
Mercury ,Venus, Earth, Mars.
Jupiter, Saturn, Uranus
Neptune
These are the names of the 8 Planets
Pluto was once a planet

Music
Music is the coming together of sounds that are enjoyed

Teeth
Types of Teeth
Incisors first 4 teeth
Canine sharp and pointed teeth
Premolar they are flat
Molar last 3 teeth.
Shapes

3 sided shape is called....Triangle
4-Sided shape is called....Quadrilateral
5-Sided shape- Pentagon
6-Sided shape-Hexagon
7-Sided shape- Heptagon
8-Sided shape- Octagon
9-Sided shape- Nonagon
10-Sided shape- Decagon
11-Sided shape- Undecagon or Hendecagon
12-Sided shape- Dodecagon
13-Sided shape-TriDecagon
14.-Sided shape -Tetradecagon
15 Sided shape- Pentadecagon
16-Sided shape- HexaDecagon
17-Sided shape-Hep tadecagon
18-sided shape-Octadecagon
19-Sided shape-Nonadecagon
20-Sided shape- Icosagon

There are 6 classes of food.
Vitamin, Protein, carbohydrate, fat and oil, mineral salt and water.

Colours of the Rainbow
Colours of the Rainbow (2x)
Red, Orange,yellow, green, blue, indigo and Violet.

Mathematics is the study of numbers
The language of science,
The study of patterns,
That helps us to think Logically, Critically and Creatively.

MATHEMATICS

Mathematics is a good subject.
What can I do to be good at it ?
Everyday Practice.
ENGLISH LANGUAGE
English Language is a good subject
What can I do to be good at it ?
Everyday Practice.

Don't run away with my trophy !!!!!!

BigCabal:
The 30-year-old in this story was born into a low-income family. The constant struggle was a lack of money. When he got his first 9 to 5 in 2014, his salary was ₦40k. In 2021, his monthly earnings stand at ₦800k. This is his #NairaLife.


Let’s go down memory lane for a bit. What’s your oldest memory of money?

I’d say knowing money from a distance. My parents struggled to raise four kids and most of the problems were money-related. My dad was a businessman and my mum was a petty trader, who sold anything she thought she could sell. The default mood around the house was always ‘Where will the next meal come from?”

The first time I held money that felt like my own was in 1992. I was in nursery school and my parents gave me an allowance of 50 kobo. I don’t remember what that could buy at the time, but it wasn’t a lot of money.

When you think about your childhood, what comes to your mind?

Two things: being sent out of school and not hanging out with some of my mates because I didn’t have clothes to wear. I grew up in a large compound full of neighbours, so both were a struggle. Whenever I was sent home from school, because I hadn’t paid my school fees for the term, I would sneak into the house through a bush path at the back of our building because I was embarrassed to walk through the main road. I was mostly indoors when kids my age were out playing because there was no point going out to join them when I didn’t have clothes to wear.

I like to think that our neighbours were praying to God to bless my family first before blessing theirs. That’s how bad things were.

And you know what? Things got better for a while in 2002 – 2003. My dad started working with some oil and construction company and that came with a steady stream of income.

But something happened?

Yeah. I can’t say a lot about it because I was still young and it isn’t my story to tell. But I know my dad made some terrible financial decisions and some of his business plans went south. Along the line, some key business relationships broke down, so the oil and construction money stopped coming in. This phase hit deeply because we had gone from having nothing to eat to have a fridge stocked with food, then back to nothing. The promise of a new life was snatched from us before we could get used to it.

What did this do to you?

I wanted some level of control or anything that looked like it, and this drove me to looking for ways to earn money.

Do you remember the first thing you did that fetched you money?

Yes. I was good with computers, so I started working out of my dad’s office and helping people type letters and do basic graphic design. This was in 2003 when I was in JSS 3. I was making between ₦50 and ₦500 from this. Also, I used to go to a cybercafe in my street to work for a stipend.

Phones were also beginning to be mainstream but the older folks didn’t know how to work it. I had become popular as the computer guy, and I leveraged it, helping people perform simple tasks on their phones even though I didn’t have one.

I stuck with all of this until I went to uni in 2008.

What was uni like?

My parents worried about paying tuition and that was it. I had to fend for myself for the most part. Some money came from my older siblings sometimes, but it was few and far between. I grew up loving fashion and had always wanted to do something with it. In uni, I met a tailor and we decided to work together. I was a striker — people who belong in this category don’t own shops. My job was to get the job and the materials the tailor needed. I was getting deals and bringing them to the guy and making between ₦500 and ₦1000 on a deal. This accumulated into lump sums when the business caught on.

What was the biggest money you made from a single job?

₦30k. I met this guy when I was in my second year of uni. He asked me for the price of a shirt and I told him ₦18k because I knew he could afford it. He brought it down to ₦15k and paid for two shirts. I went home with ₦30k when all I needed to make a shirt was ₦5k.

Omo.

My earnings saw me through uni. I don’t remember how many deals I got or how much I typically made in a month, but I was never hungry. I graduated from uni in 2012.

What came after?

I almost got a big break. One day, a hotelier I had made some clothes for asked to see me. When I got to his office, he introduced me to a man who came from a state in the south-south. Apparently, the man was rich and managed a large music band. He wanted me to handle the project of making new uniforms for his band members.

He put me on a plane — my first time in one — to meet the members of the band and take their measurements. I met the guys — about 100 of them and the initial deal was that I would make three shirts and trousers for each one of them. The total job was ₦2m. I got an advance fee of ₦800k on that trip.

Whoop!

I returned home with so much excitement. The only problem was that my go-to tailor had travelled and I thought I couldn’t wait for him. I decided to go for another guy I’d used for a small job a few months earlier, and I briefed him. He agreed to it and got a few more people to work on the project. But I put him in charge of the project and deposited the ₦800k advance I got. It was supposed to be spread among all of the guys who signed up on the project.

It was time for NYSC and I travelled to camp and was following up on the project.

When I got back and went to check on the status, I found out that this guy hadn’t done anything. He used all the money I gave him to fund his wedding and rent an apartment.

Wait, what?

For real. It was a bad situation. You know what this guy said to me? “You can’t do anything to me. The worst you can do is arrest me and I’ll get out eventually.”

Ah!

I was under pressure because my deadline had passed and I had nothing. The man who gave me the job had also started threatening me. During one of our conversations, he called out my NYSC state code and said he could make service year and life hell for me.

He wasn’t someone I could afford to totally piss off.

What did you do?

I used about ₦500k in my savings to try to salvage the situation. I contracted the job to another tailor and managed to deliver the first batch of clothes. But the man didn’t pay me the ₦1.2m balance because I was way past the deadline. Also, It wasn’t supposed to be a one-off job but after everything that happened, the man cut me off. He was like he had so many expectations and I let him down.

Damn. I’m sorry.

Thank you. I think my access to the man and the kind of jobs he would have brought to me would have changed the trajectory of my life. I was back at zero and the bulk of my savings had been wiped out. There was nothing I could do about it. After the deal crashed, I stayed away from fashion designing but I returned to it sometime during my service year because it was my primary source of income.

I finished NYSC in 2013 and started job hunting. After several interviews, I got a job offer. It was a personal assistant role to a managing partner of an oil and gas consulting company. The pay was ₦40k per month. Guess how long I spent on the job? Two months.

Why did you leave?

I had problems with my boss. At the peak of it, I was always looking forward to the end of the day, so I could leave the office. There was no point in staying there.

What happened after you left?

I didn’t get another job until 2014, but my side hustle kept me together. My next job was at a consulting firm and I was hired as a client relationship officer. My net salary was ₦47k when I started the job. After four months, I was promoted and my salary rose to ₦84k. However, I had taken a loan of ₦500k from work for some family needs and was repaying ₦41k per month. This put my monthly earnings to ₦43k until I finished paying off the loan.

How did this affect your finances?

I’m not sure it did. First, I was sharing an apartment with my sister and was making money on the side from fashion designing. Also, I consulted for some small marketing firms. I was running my day to day costs with my salary and saving whatever I made from the side gigs. I should add that I got another promotion and a salary increase. My salary was ₦90k when I left the company in 2017. By that time, I had about ₦1.5m in savings.

Why did you leave this job?

There was nothing to aspire to there anymore and I didn’t think I was going to get another raise. The ginger to leave really came when I got a marketing job at a sixth form college — a school that offers foundation and pre-university courses to Nigerians looking to study abroad. The salary was ₦250k. That was about 3x my salary at the time and I had to move to a new city for the job.

That’s a significant raise, but you had to move to a new city. What was that like?

Haha. It felt like I was being thrown into the wild but I took it in good faith. The money erased every doubt I had.

Haha.

I was at the job from 2017 and got a few raises there. My salary was ₦290k in 2020. Later in the year, a friend told me about a vacant position as the head of a department at an international NGO. I applied for the job, went through a couple of interview stages before I got an offer and it was a very good one for me.

I’m listening!

It’s a remote job. The offer was $1650 a month. That’s about ₦800k. I dropped my resignation letter at my previous job and resumed at my current job in February 2021.


You are currently earning almost 3x your old salary, what has this jump shaped spending habits?

I’m still living on my old salary. My spending is still at a minimum and it doesn’t really reflect how much I earn. It helps that I don’t really go out except when I have plans with my girlfriend and other close friends. In addition, I don’t pay a lot in black tax, and that’s because my siblings and I pool our resources together. However, my savings habits have definitely changed. I was saving ₦100k on my old salary. Now, I’m saving ₦500k every month.

Lit. Lit. This feels like a good place to break down your monthly running expenses.

I pay ₦500k for my rent per year. I used to save a portion of my salary every month to make rent but I’ve not been doing that this year.

You’ve come a long way, how have your experiences shaped you?

My view of money is that it’s a reward for a service rendered. And financial success is what happens when opportunity meets proper preparation. People like me don’t get life on a platter of gold. We have to grab and make the most of every little opportunity we get.

Back to your savings, what does it look like at the moment?

I have about ₦5m from money I’ve saved over the years from salaries and whatever extra money I get. Saving money comes naturally to me, but I’ll admit that it got easier to save more as I earned more. Also, a savings app has been keeping me grounded.

Are investments your thing?

I invest in small businesses. Some of my friends have a couple of these, and I have a stake in their businesses. My investments there should be worth between ₦2m and ₦3m, and I’m sure they are going to grow. I’m not into or interested in crypto because I don’t know how it works yet.

In the near future, I’m looking at putting some money into setting up a food truck and hopefully grow it into a restaurant. I’m excited about that.

You’ve come a long way, but how much do you think you should be earning right now?
Hmm. I don’t think I’m grossly underpaid, but I imagine I’ll always want more. Anything from ₦1.2m to ₦1.5 is a good number for where I’m at right now.

Have you ever thought about what you need to unlock your next level of income?

The thing about working at an international NGO is that it opens to a lot of opportunities and contacts. If I can leverage this properly, I should be able to triple or quadruple my income in the next two to three years.

And in five years?

That’s more about my investments. I want to have a couple of food trucks and a restaurant by that time. I really love the whole culinary thing, so I’m geared towards it. This plan to own a food business is probably one of the reasons I went for my MBA.

I’m curious about this interest in the culinary business.

Haha. Let me paint a picture: I see a new recipe and I get excited. I’ve always loved to cook. I did go to a culinary school for a while and when I have the time, I teach cooking classes. Also, I watch food channels a lot. So yeah, it wouldn’t be the worst idea to go all in and make some money off it.

Back to the present, what’s something you bought recently that improved the quality of your life?

A Macbook. I got a good deal on it and it cost ₦400k. The synergy between my iPhone and the Macbook has been making my life a whole lot better. It’s out of this world.


Anything you spent money on recently that required proper planning?

I’m still thinking about it. I want to move to another apartment. Rent and furnishing will cost me about ₦2m. This definitely requires a lot of thinking and planning because it’s going to take a lot of money out of my savings.

Let’s talk about financial happiness, where is it on a scale of 1-10?

I’d say 6. Do I think that the quality of my life is significantly better than what it was a decade ago? Yes. Do I think I’ve made it? No. I want to build my wealth around my investments and get to a point where the dividends are enough to fund my lifestyle. This will take me to an 8. It’s almost impossible to hit a 9 or a 10 in my opinion, and that’s fine. But I want to look back in a couple of years, see the work I’ve put in and where I’m at and be happy about it.

Source: https://www.zikoko.com/money/naira-life/the-nairalife-of-an-education-consultant-departing-his-low-income-roots/

I will read this later.