₦airaland Forum

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yes it is.

Most people make more money than they spend on their day to day runnings and this is what has necessitated savings. Unfortunately many do not realise that you can be loosing money even when saving it as money saved is incessantly being attacked by inflation.

Inflation is the general increase in prices of goods and services in a particular place over a particular period of time. the effect of this could vary depending on the inflation rate of the country you live in. In NIgeria, inflation rate is currently around 10%. What this translates into is that if you are able to purchase a plot of land for one million naira on 18 november 2010, by 18 november 2011, the same plot of land would have increased in price by 10% making it sell for one million,one hundred thousand naira, if you had kept one million naira in bank and wish to buy the land after a year, your money would not be enough to buy the land it would have bought a year ago, this is what i mean by deprciation in it's purchasing power.

This is why financial experts advice that you only keep only a portion of your money meant for upkeeping and emergencies in the bank and invest the rest in instruments that can beat the rate of inflation in your country. While there alot of commercial activities that can conviniently beat the rate of inflation, if is unfortunate that most people do not have the time, energy, and expertise to put into it. Nigerians in the past have harnessed fixed deposits from commercial banks to preserve part if not every of the purchasing power of their funds from inflation, but the returns on fixed deposits has fallen and not lucrative enough for people to particpate in it. This has left most people wondering how to effortlessly preserve their purchasing power.

Allow me to introduce you to the world of asset management companies and porfolio managers in Nigeria, these are registered companies with securities and exchange commission who are allowed to manage funds for individuals and corporate bodies. These companies offer returns on investment that comfortably beat the current rate of inflation in the country. Please feel free to ask questions on this thread or contact me @ ikudayenu@yahoo.com if you have questions.Thank you.

There basic tenets of millionaires, they work, save and invest. unfortunately, most nigerians lack these qualities, most nigerians are comfortable with earning salaries and do not take advantage of passive income generators, explains why most people go broke after retirement, i think majority of nogerians needs to educated financially.

@ Bulwarkgold: the CSCS (cental security clearing system). is an electronic account being run by the federal government of nigeria, it takes account of every share holding in the nigerian stock exchange and it protects investors from fraudulent stockbrokers as you get sms alert on your phone for every activity that goes on in your account. you can only register through a stockbroker, you can buy directly from the market into your CSCS account but if you already own shares in certificate form, you can also de-materialize it into the electronic account. you'll pick the account opening form your stock broker, fill with the stock transfer from which will be sent to the registrar of the stock you are holding. it will then be credited into your CSCS account once you have been confirmed the rightful owner.

Your bonus can also be credited to your CSCS acount once you fill the e-bonus form but your dividends will still be sent to you via mail to be paid into your bank account. i hope this will help. please feel free to ask more questions where you need clarification.

yeah, you should ask him for your CSCS account number, he probably bought shares for you from the secondary market and you should have a CSCS statement of account. Note that this is not delayed like the coventional shares certificate when you buy from Primary market(Public Offer). If he can't provide it with minutes of accessing the internet, then something must be wrong.hope this would help.

The days of relying on commercial banks for attractive returns on money fixed are gone, we are in the era of asset management companies and porfolio managers, these are the only people that can guarantee you returns above the inflation rate. The inflation rate in nigeria is around 10.5%, you can get around 15% to 17% from asset management companies and porfoli managers depending on the amount you wanna fix and your negotiating power. you can contact me @ ikudayenu@yahoo.com if you wanna learn more or simply ask your questions on this thread.

Opportunities are definitely in places you would not even think of, a shoe producing company very long ago sent two marketers to africa for feasibilty study of the market there, when they returned back to america, one said there is no market for their product as the people don't even wear shoes, the other said the market is so large as they would sell to everyone there with no competition. opprtunites are everywhere, it depends on the perspective you are seeing it from. Are you or do you know a banker that was affected by the recent meltdown in the banking sector, he or she might have learned enough to propel him or her to financial freedom but unable to harness it. please contact me at ikudayenu@yahoo.com and let achieve greatness together.

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sincerely,
Ikudayenu Temitope.

Hello everyone, is anyone seeing this exactly the way i'm seeing it, i'm kinda tired of younger girls.i'm in my mid twenties,younger ladies are often too adventurous, the ones i have been with maybe unluckily tend to move on everytime they meet a supposedly better which of course will always happen. What i want now is a cougar relationship.An older lady that will most definitely be less adventurous. I'm very handsome,average height.good sense of humour and any interesting person will find me more interesting.i'm kelvin.07066869993.

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Hello and how are you doing today? I percieve you must be going through alot at the moment. I can only hope that you get out of this situation a better person. Forums like this don't always help people in cases like this, they even worsen your situation. i'll suggest you seek professional advice from an expert in relationships or something.But if you really want a friend to talk to, you'll find me most inetresting.I'm Kelvin 07066869993.Cheers

Hello everyone, is anyone seeing this exactly the way i'm seeing it, i'm kinda tired of younger girls.i'm in my mid twenties,younger ladies are often too adventurous, the ones i have been with maybe unluckily tend to move on everytime they meet a supposedly better which of course will always happen. What i want now is a cougar relationship.An older lady that will most definitely be less adventurous. I'm very handsome,average height.good sense of humour and any interesting person will find me more interesting.i'm kelvin.07066869993.

Hello nkem?do you really wanna buy a car