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JuanDeDios's Posts

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Romance › Re: NEVER Ever Make This Traditional Mistake With HOT Girls by JuanDeDios: 2:49pm On Nov 15, 2015
Brilliant essay. Thanks, op.
Romance › Re: WHAT Will I Do.i Was Approach By A Prostitute by JuanDeDios: 2:34pm On Nov 15, 2015
PunkyVeer:
Dude, she does this for moolah, so you must be a really special case if she's willing to put her calculator away &
let you have it for free. THAT is the part I'm trying to understand. What's oustanding about you is the question.

Anyway, Christmas is just around corner, she could be in a generous mood grin

Still not buying this craptastic crap though tongue
I think you don't understand attraction. Maybe it's not something you have ever paid serious attention to.
Jobs/Vacancies › Re: Frustration Going Suicidal by JuanDeDios: 1:58pm On Nov 15, 2015
Kelklein:
sorry..I didn't get you!
I was referring to the part I highlighted. I said you haven't seen anything.
Jobs/Vacancies › Re: Frustration Going Suicidal by JuanDeDios: 12:24pm On Nov 15, 2015
Kelklein:
@op..sorry I didn't fall for this.

you can't write this good English, and go through the picture you painted.

If you are for real..get a private school nearby and apply to be a teacher. You don't need to be a graduate to be employed to teach, just prove to them you can write (speak) well like your post above.

Heaven helps those who help themselves.
He he. You neva chee chuntin.
Health › Re: Medical Tests Couples Must Do Before They Get Married by JuanDeDios: 6:27pm On Nov 14, 2015
lomaxx:
Hepatitis B, C and D (especially B and D) are transmitted by the sexual intercourse with an infected person. It can also be transmitted by sharing of sharp objects, and transfusion of an infected blood.

Hepatitis A, and E are transmitted by the oral route, usually in unhygienic circumstances.

Recently there's Hepatitis F and G, but the literature on them is scanty and they're rare.
Thank you. So B, C and D through sex and blood; A and E through kissing. Wahala dey o! What are the chances of transmission? Is it like, once you sleep with her you get it? Or are there factors like your immune system or natural resistance like we have them for HIV and TB?
Health › Re: Medical Tests Couples Must Do Before They Get Married by JuanDeDios: 5:50pm On Nov 14, 2015
lomaxx:
Check my post again
I did. So is hep std or not? Which - A, B, C - is and which isn't?
Romance › Re: Help Me! My Boyfriend Is A School Drop Out. by JuanDeDios: 3:59pm On Nov 14, 2015
NewBorn2:
What's the fuss. Seun is a drop out too
Seun doesn't lie bout it - that's a fuss for me. That he's a dropout shouldn't be.
Politics › Re: Before Evil People Say More On Deziani: Quick Irrefutable Facts by JuanDeDios: 3:46pm On Nov 14, 2015
dearpreye:
And you believe God strikes people with cancer? Have you been any close to a person suffering cancer? Some of you are really mad. I shouldn't be sharing the same nation with some of you. It will be corrected in the coming years.
When you would have founded a nation peopled only by smart folks, right? Holla me, abeg!
Health › Re: Medical Tests Couples Must Do Before They Get Married by JuanDeDios: 2:10pm On Nov 14, 2015
lomaxx:
Good article. Very worthy of front page.

Hepatitis is not a sexually transmitted disease (STD). The infective Hepatitis B, C and D variant can be sexually transmitted but are not STDs.
huh
Health › Re: How Doctor’s Negligence Made Me Impotent (pictured) by JuanDeDios: 1:48pm On Nov 14, 2015
Very pathetic. Find the money and do the corrective surgery elsewhere. Then sue LAUTECH and that efulefu doctor. Good thing you're not being asked for millions. Sell your land or car or anything you have. Next time an armed robber, in white coat or not, holds a gun to your head, give them what they want and take up the matter later, if possible.

Shame on MDCAN.
Celebrities › Re: Toke Makinwa Vs Ini Edo:Who Rocks The Jumpsuit Better?(photos) by JuanDeDios:
Is this Toke Makinwa available? I want to marry her!
Nairaland General › . by JuanDeDios(op):
.
Crime › Re: Driver In Prison For Having Sex With Married Woman by JuanDeDios: 5:25pm On Nov 13, 2015
erico2k2:
Bro I have read and I live in England.I actual work for a coy that does and promote law enforcement. I'm still going to check and see what it says.
You're belabouring a non-issue. I told you it's an obscure law and may not even be extant in England. It is, therefore, not something you would have come across. I myself came across it, not in operation, but in a law class. Some people like to dey arjue sha.
Politics › Re: Stella Oduah Disgraced | Tunde Fashola Hailed by JuanDeDios: 12:42pm On Nov 13, 2015
kYjelly2:
Stella oduah was hounded for spending 255 million for bullet proof cars as a minister while Fashola who spent 78 million naira for a common website is hailed as the beacon of change undecided

Lets even do some analysis, isn't what Stella bought closer to the amount she spent, than what fashola spent in relation to what he got huh

In other words, isn't it easier to get away with 255 million for 2 bullet proof cars than it is to get away with 78 million naira for a brochure website any where in the world huh

Yet he got away, due to naijas never ending hypocrisy undecided

Practical example, BMW has a bullet proof X5 going for 110,000 pounds. multiply by two, that would be 220,000 pounds. that only resists ak47 shells but isn't blast proof. we can argue for sake of argument that blast proofing would increase the price tag and get the number closer to 500,000 pounds or more.

Now please tell me a brochure site that has ever been created for more than 500,000 naira before anywhere in the world. A brochure site is different from an application, which nairaland and facebook are and even those were created by young kids just meddling with what they loved.

So how is it that one was hounded and the other was not even question by the EFCC and allowed to sail into a ministry as a minster?

One was removed while being a minister, while the other is accepted even with a more obvious misappropriation case to answer to.

It just seems naija is filled with hyprocrites.

Now back to the praise singing of Fashola the change that will change ministry, mtcheew.

As always, for the love of country, this country will get better by fire by fore, but the hypocrites will answer one day, if not here then in the life beyond, mtcheew undecided
Well, Nigeria seems to have forgiven and forgotten in both cases - one has been made a Senator and the other a minister, so what's your outrage about?

Yeah, Fashola has questions to answer. Just like Oduah. And I hope they are held to account some day, even though Nigeria has for the present time elevated both of them - one a senator, the other a minister.

Your analysis is wrong, though. There were lots of permutations about Oduah and she could have come out to defend herself and explain how she spent N255m on two vehicles and why that was a priority. Fashola said his website did not cost that much, that the associated apps did. Even if that is true, we will still have the question of prioritisation.
Crime › Re: Driver In Prison For Having Sex With Married Woman by JuanDeDios: 12:22pm On Nov 13, 2015
erico2k2:
There is no law of enticing in the UK if it was the word concent would not be an issue in enforcing rape law.
So you think the principle of consent vitiates the concept of enticing, even though we're talking about an olden days law? On whether it exists or has ever existed in English law, go read.
Career › Re: 7 Ways Low Income Earners Can Make The Most Out Of Their Earnings. by JuanDeDios:
Bollinger:
Nice essay. Isn't it convenient to pick nice examples to suit your argument? I would also argue that the guy looking for a place to rent could also find alternatives rather than borrow. There are boys quarters you could get for that amount if you really look hard enough. And borrowing to invest is just ridiculous. What you do is look for business partners to share the risk not lending partners. Bill gates and the likes never went borrowing. They went to look for investors. No one ever said being financially responsible was/is easy, but it's what separate's successful people from the rest. Never ever spend what you cannot afford. You are not going to die if you don't.
Bolded is what you should have said instead rehashing your textbook "Never ever borrow money".

You mention Bill Gates, once again betraying the fact that you have a very very narrow viewpoint of the world. Do you live in Nigeria? How many venture capitalists do you know? I wasn't even recommending that you borrow a large sum to start a business. (I said read calmly, but you didn't.) I specifically said "small business". I only talked of borrowing a large sum of money when you're already a successful businessman. Dangote is borrowing billions to finance his refinery project. If you're not already a billionnaire no Naija bank will lend you billions anyway.

Those examples you're calling "nice" are situations faced by thousand of Nigerians everyday. Find a boys quarter? He had that option before he started jumping form pillar to post for someone to lend him money? You should got out more and try to interact a bit with people outside your circle. On the title of this thread, it says "low income earners", the millions of Nigerians who can't afford to keep three months of their salary in bank like you. They're the ones who need the practical advices contained in op, not you. (Most of the advices, anyway, it's not all I agree with.)
Career › Re: 7 Ways Low Income Earners Can Make The Most Out Of Their Earnings. by JuanDeDios: 8:43pm On Nov 12, 2015
Datevilme:
I really love the way u guys are trashing out this issue of borrowing, u might not know it, but u r both educating everyone who cares to read. Nice analysis smiley
Thank you.
Crime › Re: Driver In Prison For Having Sex With Married Woman by JuanDeDios: 8:41pm On Nov 12, 2015
Chubhie:
Enticing her with gifts in exchange for some hallelujah?
Well, the law says "enticing". So you can put it like that.
Crime › Re: Driver In Prison For Having Sex With Married Woman by JuanDeDios: 7:28pm On Nov 12, 2015
erico2k2:
There is no law like that dem just play the guy 419.he did not do it under any influence
There is a law on "enticing". It has rarely been used, so you wouldn't know. They used to have it in the UK - that's where we got it from. I don't think the British still have it or even if they do, they definitely no longer use it since a man would rather not go to the police to report that someone took his wife.
Crime › Re: Driver In Prison For Having Sex With Married Woman by JuanDeDios: 7:23pm On Nov 12, 2015
Chubhie:
Serves him right. I feel the married lady he cheated with deserves some prison term too.
He was not sent to prison for having sex of itself or "cheating" as you call it. He was jailed for a crime specifically stated in the books, that is "enticing a married woman" with gifts.
Career › Re: 7 Ways Low Income Earners Can Make The Most Out Of Their Earnings. by JuanDeDios: 7:17pm On Nov 12, 2015
Bollinger:
I'm confused. Isn't the above from you?
el oh el
You should read the whole of this post calmly and you will understand. Avoid debts is a sound advice but what is wrong with your position is that you put everything and everyone in a box. You assume, for instance, that everyone earns enough to save those textbook percentages you reeled out or that everyone needs those percentages. How can someone earning N50k and spending N15 on transport save three months salary? You fail to realise that those lessons were tailored to suit the middle class salary earners who constitute the staff of your company; that if the training guys are staging the same seminar for a group of millionnaires or for some poor folks who just left prison the content would be different. So you assume there is a golden rule for everyone when, in fact, there is none.

Ok, let's go to school. Imagine you are a fresh graduate earning N100k in Lagos. Luckily you found a room to put up at your brother's place. Now, you have to leave because your brother wants to get married. But you have not been working for a long time and have not saved enough to rent a house. If you have no where else to put up, will you borrow to complete what you have, since you can conveniently pay back, or live on the streets? In this case, borrowing is not being smart, it is simply inevitable. You don't decide to do it, you just do it, golden rules or not.

Apart from inevitability, borrowing is also sometimes the smart thing to do - but you better know what what you're doing. Imagine you're a graduate but you're unable to get a good job. Suddenly a friend tells you about a small business opportunity that looks promising. You need some money to start up but don't have it. Borrowing might be the smart thing to do here. I personally know people who did this and have become successful. Or you may be a billionaire businessman who wants to invest in a new area - like refining petrol in Nigeria. Getting a bank loan here is a smart thing to do.

What is wrong is to go pick up the latest Toyota Camry just because you just got a well paying job without planning first. Or send your wife on an expensive vacation without budgeting and planning for it long term. Salary earners often buy things in advance of their salary. Then it piles up and they carry it over to the next pay day. Soon things go out of hand. That is what killed your colleague.

Now, let's examine your statement. "Never ever borrow money." "Never ever" makes this an absolute statement, good for everybody in every situation. That is misguided. It is good as a piece of advice for a middle-class salary earner in most situations - the last thing you need is a debt. As a general rule, it is not practical, because, as we have established, borrowing is sometimes necessary. So I would modify the statement to read something like "Avoid borrowing money."
Career › Re: 7 Ways Low Income Earners Can Make The Most Out Of Their Earnings. by JuanDeDios: 5:12pm On Nov 12, 2015
Bollinger:
There are some rules in life that are golden rules. It is up to you to choose to follow them or not. Don't drink and drive is one, but do people listen? No. Don't borrow money and live within your means, but will people listen? apparently not. How is borrowing money a smart thing to do when you would have to pay it back from the same income?[ The logic escapes me.
No, it's not. That isn't my recommendation, but you continue to miss the point.
Career › Re: 7 Ways Low Income Earners Can Make The Most Out Of Their Earnings. by JuanDeDios: 4:39pm On Nov 12, 2015
Bollinger:
Seminars? ok. My organization spends a lot of money on financial counseling. In the beginning i never saw a need to use their services which was free until one of our employees committed suicide because debt had ruined his life. This was a guy who was always smiling and jovial, but little did we know that he was dying inside. He had over 100k in credit card debt and a broken marriage. Anyway, during the one on one consultation with the financial counselor, he showed me how he contributed 500 dollars a month into a ROTH, with an annual return or 9 percent for 20 years, withdrawable after 30 years. He was a millionaire at age 50. How was he able to do that? By living within his means, having a budget and not borrowing for whatever reason. People with a weak constitution will always wanna justify reasons for their weakness. The information is out there. Go get it. Ten years into following his guidance and financial plan i have no regrets. I would advise you to change your mentality. Especially when you are young because the older you get, the higher the amount you have to contribute monthly to achieve the same results.
I understand you better now - it's actually what I suspected. I will tell you something; I don't know if you will get it but I will say it. "Never ever borrow money" is a sound advice, one I will dish out to a middle class salary earner like you. But there are other categories of people out there and there are a whole lot of permutations to life. Sometimes borrowing is inevitable. Sometimes it's even the smart thing to do. But how would you know all that? So you think there is a formula to life and will have everyone in a box. You will even accuse anyone of a seemingly contrary view of having a weak constitution. You may yet learn that different things do work. That something else, mentioned in op, and not necessarily borrowing, was what did in your colleague. You may learn.
Career › Re: 7 Ways Low Income Earners Can Make The Most Out Of Their Earnings. by JuanDeDios: 4:05pm On Nov 12, 2015
Bollinger:
Keep telling yourself that to make you feel better, but there is not one good reason to borrow money. It's all about your mentality and the foundation you set for yourself from the onset. If a person is thrifty and frugal, you will not have problems in the future. If American's who invented the art of borrowing can finally see the light and are slowly creeping away from the debt cycle, then others should not have any excuse. The rule of thumb is at a minimum, one should have 6 months salary saved up for emergencies which must never be touched until one has an emergency, 20 percent for investment/retirement and another 20 percent on savings. People are generally impatient and want to live like ballers from day one. Those who go borrowing, go sorrowing at the end of the day. Live within your means.
You're hugely into them seminars and self-help books, I see. It's good. As you sojourn and see more real life you will recall my post - "Never ever borrow money" is not a practical recommendation.
Politics › Re: Why We Won't Prosecute CCT Chairman - EFCC by JuanDeDios: 3:45pm On Nov 12, 2015
malton:
huh If this isn't sufficient evidence, what then is?

Seems this people want to tow GEJ's line of "...Money not even up to the price of Peugeot" thought.

The day we make it clear that there isn't any difference between big and small thief, is the day we will begin to get it most right in this battle against corruption!

a little more grilling will get the PA to spill it out. There's a connect somewhere.
You don't understand evidence.
Career › Re: 7 Ways Low Income Earners Can Make The Most Out Of Their Earnings. by JuanDeDios: 3:31pm On Nov 12, 2015
Bollinger:
And why is it not?
Because there are genuine or smart reasons to borrow sometimes.
Business › Re: United States, EU Report Nigeria To World Trade Organization. by JuanDeDios: 3:29pm On Nov 12, 2015
PassingShot:
This is an indication that PMB/CBN took the right decision. Any economic decision that makes US/EU frown at us or report us to any body is surely good for our own economy.
No necessarily. They're frowning because the policies are bad for them. Whether they're good for us is a separate matter. One doesn't equate to the other.
Career › Re: 7 Ways Low Income Earners Can Make The Most Out Of Their Earnings. by JuanDeDios: 3:13pm On Nov 12, 2015
Bollinger:
Funny post. There are only two ways to make the best of your income. Never ever borrow money and always have a budget. Simple.
"Never ever borrow money" is not a practical recommendation.
Politics › Re: Amaechi Pledges To Complete Ongoing Rail Projects, Calls For Cooperation by JuanDeDios: 11:53pm On Nov 11, 2015
IyaIode:
Nov 17 ke? my friend you better get to work
No mind am. See im head like November 17.
Politics › Re: Ibe Kachiukwu Assumes Office As Minister Of State For Petroleum Resources (Photo by JuanDeDios: 5:58pm On Nov 11, 2015
pazienza:
Is he still the GMD of NNPC? Cos if he is not, then this present post of state minister of petroleum( instead of Minister of petroleum) is nothing but demotion.
It would have been a demotion if there was a minister of petroleum. Since he's reporting to the president, he will be sitting on the minister's chair and doing what the minister does.
Business › Re: Payoneer Experts In The House by JuanDeDios(op): 3:10pm On Nov 11, 2015
PLANETMARS:
unless u r opening a nigerian paypal acct
Yes, but Paypal doesn't pay to Naija for now.

Ok, thanks.
Business › Re: Payoneer Experts In The House by JuanDeDios(op): 2:41pm On Nov 11, 2015
twosquare:
try fidelity bank, and please click on savings account when you wanna check or withdraw
It was current account I selected. Could be why. Ok, I will check again and select savings and if it doesn't work, I will Fidelity Bank. Thank you.

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