₦airaland Forum

jennykadry: You's won't understand, not everyone gets a second chance in life. I got one and I am grateful to God. I have not stopped crying and thanking him, I laid on the ground on the streets thanking him. No one would have experienced what I experienced and come out of it alive without a single scratch.

I had an accident recently whilst driving on 110k/hr. My car tumbled (according to passersby) a few times before it stopped. Al I could remember was me screaming "Jesus,Jesus Jesus" as it tumbled and for a second I thought I was dead. Cars stopped and someone called the ambulance, I was in tears and all I asked them to do for me was call my NOK. Helicopters came to airlift me from the scene of accident and fire trucks came incase the car exploded. I was able to get out of the car with the help of the people that gathered around. When I jumped out of the car I heard people say "this is a miracle".

Got to the hospital and everything was fine. Left the hospital after a few hours. Whether you believe in God or not, join me in thanking him.

ok i just resisted the temptation to bash you @jp philips. Lemme take it in a cool way.

The reason i asked that woman if she or women would value a man's virginity is becos i just wanted her to see the double standard there is in the society. I know they dont value it. Not that i support compulsary abstanance.

As for the pride you accused me of, well i think i have have made my point already.

And blaming social ineptitude for my not doing it only goes to show that your thinking isnt broad enough.

You think i need self esteem to have s.ex? I have been to so many place where no body knows meand have spent substantial time there. If s.ex is what i want, i would have walked into some of the houses around there and you know i do not need 'social competence' to go there. What about ra.pe? Infact, the 'social incompetnce' as you call it is the reason people go to LovePeddler and ra.pe.

and i do not feel better than anyone! And no, i am ok the way i am. i.e, i do not want to lose it yet. Dont think i am a christian. Infact, i hate religion and christianity is the most evil of all.

The reason i want to keep it is becos my friends tell me that when you sleep with a woman you are not married to, there is every likely hood that what you feel for her would begin to diminish.

You think i need self esteem to have s.ex? I have been to so many place where no body knows meand have spent substantial time there. If s.ex is what i want, i would have walked into some of the houses around there and you know i do not need 'social competence' to go there. What about ra.pe? Infact, the 'social incompetnce' as you call it is the reason people go to LovePeddler and ra.pe.

buoye1: Am presently dating 1 and we agreed on not having sex till we get married.....I love her nd wnt hurt her....I hope we can be 4eva

souldust: i am one and i do not feel better than anyone! And no, i am ok the way i am. i.e, i do not want to lose it yet. Dont think i am a christian. Infact, i hate religion and christianity is the most evil of all.

The reason i want to keep it is becos my friends tell me that when you sleep with a woman you are not married to, there is every likely hood that what you feel for her would begin to diminish.

I doubt it very much becos i think when we make love, then we are expressing feelings to each other. But what if my friends are right? Afterall, these are experienced people! It means we will be losing this thing we share. But i wouldnt like to lose the sweet feeling i have for my woman.

Lexoria: Testament to the fact that guys are worse is the fact that no girl,lady or woman has come on this thread to say they met their husband a virgin which means MEN are the REAL SLUTS!!So I think y'all should save all this preaching for yourselves or you think its only when girls have sex that it is called fornication and a sin and when men do it then it will be called an act of GUYMANISM.Remove the fog in ur eyes before you think of removing the peck in anothers.

ok calm down, we re only enjoying the double standard because we pay for the wedding, when are you guys planning to take over from us in that regards? rem that what a Man can do, a woman can do better, but you guys have refused to do better in that regards, why

Nauttyprof: Being a Virgin is the best gift a lady can give to her husband. In fact to be honest with you all, in case there is any delay of any sort (i mean pregnancy), the husband will be confident enough to say he knows it is only a delay from God and he won't think otherwise. The husband can go to any length to trust his wife but if it were to be the other way second thought comes in no matter the existing bond.

N.B: I'm referring to genuine husband.

d light: virginity still remain a treasured gift for any lady across cultures and it will ever be. Purity before marriage helps to strenghten the cord of marriage as the couples learn to trust each other even in face of doubting circumstance, there won't be suspicion of any kind about they move or what they do while they are not together and once trust can be established any other thing is secondary.

Soso990240: abeg,u be virgin? I wan cm marry u nw nw..i like it when my way is tight.

you seriously believe all virgins are tight

mrkels: Thanks sir, you have been helpful.
Just want to know if anybody is experiencing some kind of issues like no or bad signal, constant cracking etc even when the weather is good? I don turn the dish tire yet no result

scampy: Pls do u av a Guy, if yes dem i pity him big time.

manny4life: You do realize that the almost $6billion in the budget was as a result of the added increased budget which NASS insisted upon. NASS had insisted on their constituency projects, besides, I never talked about debt.

Now we're on the debt topic, the debt is gonna increase, however, comparing last year's budget that was financed by debt to this year's budget, this year decreased.

Whether Oil dependence decreased or not, you cannot sell what you don't have. Oil contribution WAS 100% of derivation of what the FG allocation so I'm not getting your point. If NASS did not want that extra billion for their projects, the budget will still reflect a significant changes of oil financing our budget from last year. In fact, from the link below, OIL could ONLY finance 55% of our budget last year @$72 benchmark, and not even 78% like I read before.

At the end of the day, you have to borrow for capital projects, so it does favor us because our oil revenue is LIMITED and thus FG share of Oil revenue has been exhausted. In other words, if you borrow to do capital projects for a long term, it's no rocket science that it will end up paying itself back, but a lot can be achieved. So YES, it favors us. Besides, our debt is less than 20% of our current economy, which is still good, and there's forecast that it will further go down as industries start coming online

Again, the senate increased it to $79 even after GEJ refused and wanted it to be $74, why do u think it wasn't passed? It wasn't because of dangers, it was because of the greed of NASS members who want constituency projects accommodated in the budget. Meanwhile GEJ wanted it SAVED and make due with what we have with limited financing. Due to their refusal, debt financing that was supposedly to be trending down increase a lil further. Please visit the link below.

http://www.budgetoffice.gov.ng/2012_appropriation_act/2012%20Budget%20Presentation.pdf

Keep in mind that our debt servicing as well has increased

manny4life: You tell me,

The reports are there, if u want it, I can send you a link. Take it up with them, I only argue based on FACTS and not hearsay...

manny4life: Madam NOI, has taken us from 3years ago when we literally depended on 90% of oil revenues to finance our budget to 43% of it financing our budget. Please tell me this isn't improvement?

manny4life: There's nothing wrong in defending your paymaster fucktardious maniac

Here it is foolishh cretinous anuofia



sn't Fashola the co-chairperson of the National Governors Forum after the Rivers Governor? How could an important state like Lagos, and Fashola being very vocal, be at National Govt Forum / National Economic Council meeting, they agree, leave the meeting in peace, Fashola NEVER objected only for him to change his mouth now. The funny thing was that IT WAS ENDORSED BY THE 36 GOVERNORS not 35 govt, BUT 36 GOVERNORS including Oshimole of Edo state, it wasn't ill-conceived then, I bet if there was something to sign, he probably signed one...

I fear fashola die, this was how he changed in oil subsidy, was at the forum and endorsed the removal, as soon as the shitt hit the fan, he change 180 degrees. I pity people who still have hopes on this man, this will prolly be the third time he has 180 deg shifted on national issues and started speaking big English. This is a man whom you want to trust with presidency? He will tell you good words on the campaign trail only for him to change in the first hour he steps into office.

Anyway, this was from ---> http://www.channelstv.com/home/2013/02/24/fg-insists-on-national-good-governance-tour-in-edo-state/

Elueme: My dear I am sorry for honoring you with a reply so late, it is because I have not been on nairaland since yesterday. Let me begin by humbly telling you that you are ignorant about the tour, the intent and composition. It is wrong and false to tag the NGGT a federal govt tourist project. For your information, this tour was approved by the National Econ,ic council and was further amended and approved by the Nigerian governor's forum, a position which the chairman of the forum re-affirmed when the team was in Rivers State. We are in a system of a participatory democracy. Irrespective of our political affiliation, we must be patroitic and play according to the rules. Even if Oshiomohle had expressed a dissenting voice to the tour but the fact that his argument was defeated and the tour was unanimously endorsed is why he should oblige. You don't go against emotion that has been won by the majority and superior argument as a parliamentarian just because you were against it , a position which Oshiomohle of all people should have known. Let me bring to your fore that Oshiomohle's argument of fed govt total sponsorship is fallacious and most dishonorable. The agreement between the governor's forum and the pioneers of the tour was a shared responsibility as requested by the team and if Edo State diesn't have the resources to accommodate and feed 120 delegates compriising of local and foreign media outfits, NGOs and civil society groups, then he should have approached and related to the minister politely instead of thes publicity stunts tended to steal the show, a trend he is famed for. But if I may ask, why has Edo state gone bankrupt because I know since after the governorship election, no new projects has been assigned and some others previously approved have been stalled. Could it be that the state treasury was used in executing the governor's re-election campaign?

PapaBrowne: And when opportunity comes, without an IDEA on how to utilize it, the opportunity would fade just like Red Hot Charcoal fades into soft ash!!

Ever heard the phrase Success comes when opportunity meets preparation??
For many folks, when opportunity comes, the first activities are any of these four in this order: Electronics, A Car, A land, Start Building a house........and in 1 year Broooooke......with an uncompleted building. That there is the current Nigerian narrative. Unless we change our thinking...... Truth be told... IDEAS RULE!!!!

Biafra rep: YOU LACK COMPREHENSION BRO, PLEASE GO THROUGH THE PARAGRAPH ONCE AGAIN FOR BETTER UNDERSTANDING. NOW IN LAY-MAN PARLANCE, DANGOTE IS THE RICHEST BLACK MAN YET HE OWES SOME BANKS BILLIONS OF MONEY. DO YOU KNOW MUCH NIGERIA HAS IN FOREIGN EXCHANGE RESERVE?

Biafra rep: FALLACY! No western country see Nigeria in the same level with Ghana or Togo et al. 1, Nigeria is Africas biggest oil producer and one of the biggest exporters in the world. 2, Nigeria is the most populous country in Africa with a huge market of 170 million people. 3, Nigerias economy is the second biggest in SSA. 4, Nigeria is self sufficient i.e we do not rely on foriegn aid unlike many other countries of Africa. NO COUNTRY IN AFRICA COMBINE ALL THESE QUALITIES! Russia is no longer the USSR super power we used to know, the only thing they have going for them now is huge oil and gas deposits and nuclear bomb. Their technology has become obsolete and corruption there is even worse than in Nigeria.

Biafra rep: Our debt is insignificant compared to other economies of our size. Besides that is not a criteria to know a country that has good/surplus balance of payments, now if you doubt me check the debt profile of USA and you would be shocked to find out how much they are owing China.

how is your debt insignificant when you first said you don't depend on foreign aid,

Biafra rep: Our debt is insignificant compared to other economies of our size. Besides that is not a criteria to know a country that has good/surplus balance of payments, now if you doubt me check the debt profile of USA and you would be shocked to find out how much they are owing China.

Biafra rep: Our debt is insignificant compared to other economies of our size. Besides that is not a criteria to know a country that has good/surplus balance of payments, now if you doubt me check the debt profile of USA and you would be shocked to find out how much they are owing China.

hayoakins: #0? Father forgive him for he know not what he is saying ....i use GTB bro and FBN too dude.....you can call GTB help centre to confirm

Rooneyboy: Abeg Mr JP Philips abi wetin u call urself , no dey mess this thread up with ur lengthy comments, I take God beg u,

If u feel like airing ur grievances go to the bank's head office and make ur complaints.

PapaBrowne: 10 Million Naira to pay back in one year....Ok let me see what I will do with it!

1)Importation
Nigeria is a consumer country. One of the biggest priorities for the aspiring Nigerian is to build a house.
I will attend a trade show in China, Turkey or Dubai and get direct dealerships from manufacturers that would enable me import unique building materials at very competitive prices. I will rent a warehouse and get the best hands to market these items. Since I have direct dealerships, I will offer the best prices.
To be successful in such a short while, I would have to find ways to offer more value to potential clients than the competition offers. For instance, instead of selling only, we could offer free installation if you buy above a certain quantity.

2)Start a Mid Sized Modern Bakery
Nigerians love bread. Majority of us eat Bread everyday. Infact, if you look at statistics coming out of the Ministry of Agriculture, Nigerians imported almost $5 Billion worth of wheat last year. By any count, Bread is big business.
I would start a 3000 loaves per day bakery. At 200 Naira per loaf, that should see you net a turnover of 600,000 Naira daily = 12 million Naira per month(20 working days). If we assume a profit margin of 20% which is standard, that amounts to 2.4 million monthly. In one year that is N28 Million approx- a profit of 16 million after you return the loan. Might not be this straight forward, but you can make much more or much less depending on you sagacity.


3)Package a cool Nigerian Drink.

Three drinks come to mind.
1)Kunu 2)Zobo 3)Palm wine
Ever wonder how popular these drinks are and yet no company is producing these in commercial quantity. How can we leave these wonderful drinks to the vagaries of the uneducated mind.These drinks would give anybody who bottles them in fine packs a huge income stream. First there would be no competition just like gala had for ages. Secondly, the products are are extremely popular and would sell themselves. Palm wine would do well in the south and the other two drinks would do well up north and a little bit too in the south. Big income earner. The quake though is in fermentation. One would have to overcome the issue with readily available technologies.

4)
5)
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I will fill the rest later. I'm tired.

fm7070: I totally disagree with you.
If you acquire this loan from a bank, won't you pay up in 1year?
Your ideas and knowledge matters most when talking about realtime turnover on investments.

mfm04622: Nigerians and free services mentality. You want quality services but want it free. There is no free lunch anywhere, if you get it free, someone is subsidising you. I hope you know the bandwidths banks need for the internet banking service to work is not free, nor the interconnection services when you need to transfer funds to other banks. You are crying about 105 Naira, haba!!! If you want to take transport to and fro a bank won't you spend more than that?

Ninapha: my brother there sure has been some changes yet FBN charges remain d cheapest. I know some banks charge over-d-counter withdrawal upto 200 naira, FIP- first instant pay and NEFT charges were adjusted but yet not to compare wit other banks. Payin 300N to tranfer 400k+ or 1000 for a mil is not bad, is it? How much does other banks charge? Some comments on bank charges here are mere rumours.