₦airaland Forum

I have decided to be sharing my knowledge in real estate with individual who cares to know about real estate and people generally.

I have come to understand that in the pursuit of anything in life, one guarantee you need in being successful in that endeavor is to have a deep understanding of it.

It's only deep knowledge of what we do that can boost our self confidence, convince clients and help us close mega deals. Knowledge is indeed power and it's the key to unlock wealth and success for all of us in this real estate industry.

Let's have the thirst to drink from the endless ocean of knowledge and our success and riches is a guarantee.

CERTIFICATE OF OCCUPANCY
A Certificate of Occupancy ( C of O) is an official document issued by the government to a particular person, stating that the said person has been given a Statutory right to occupy that particular parcel of land. It's given to a person on a *virgin land* (virgin land simply means a parcel of land with no previous person being given a statutory right of occupancy on that land). A Certificate of Occupancy can only be issued to only one person (two people can't have Certificate of Occupancy on the same land).

A Certificate of Occupancy issued by the Lagos State Government officially leases Lagos land to you, the applicant, for 99 yrs. Why 99years?? That's the number of years specified in the Land Use Act. What happens after 99years? That has been a nagging question for real estate experts. Some just have this 'Wait and see attitude', though its very unlikely they will be alive to confirm what will happen after 99years.� Others however postulate that the descendants of a person with a Certificate of Occupancy might probably be allowed to renew the Certificate of Occupancy by paying another sum of money for renewal.That makes more sense. Global Certificate of Occupancy applies to a large expanse of land, while an individual Certificate of Occupancy applies to a single plot.
One pertinent thing to note when purchasing land with a Certificate of Occupancy is to do a due diligence to find out The Unexpired residue of the term*. What does this mean?
Under the Land Use Act of 1978, when parties involved in a real estate transaction exchange documents of sale (deed of assignment), what is being sold by the seller is the amount of time unexpired (or left) from the 99years of Occupancy. This is what is known as *The Unexpired residue of the term*. Therefore in simple terms, it means that if it's just 20years that's the unexpired residue of the term from the 99years, that's the time left for the new buyer to use the land before the land resorts back to the government.

GOVERNOR'S CONSENT
What exactly is a Governor's consent? How is it different from a Certificate of Occupancy?? The difference between Certificate of Occupancy and Governor's consent seems to actually confuse lots of people, even people who have been in the real estate industry for years, so I will like to break it down to be easily understood in this article...
A simple formula to follow is this... The first person on a Virgin Land that has neither been occupied by another person nor under acquisition by the Government is entitled to get a Certificate of Occupancy (C of O) on that land.

If that person with the C of O decides to sell his land to another person after some months or years, the new buyer must now obtain Consent from the Governor before that transaction can be deemed legal in the eyes of the Government. If the new buyer now also decides to sell the land again to a third owner in future, that third owner must also obtain a new Consent from the Governor before that transaction can be deemed legal in the eyes of the Government and the process continues every time the property changes hands to a new buyer. In other words,the first person on a land is the only person entitled to obtain a Certificate of Occupancy. Every subsequent buyer of that land must get a Governor's consent to make the transaction legal in the eyes of the law. The powers of the Governor to consent to such transactions can be found in *Section 22 of the Land Use Act of 1978* which states thus *'It shall not be lawful for the holder of a statutory right of occupancy granted by the governor to alienate his right of occupancy or any part thereof by assignment, mortgage, transfer of possession, sublease or otherwise howsoever without the consent of the Governor first had and obtained''* This simply means therefore that even when a buyer has secured a land with a Certificate of Occupancy, he shouldn't stop there. He needs to begin the process of obtaining a Governor's consent to make that purchase legal in the eyes of the government and be rest assured his land is safe. It's because of this flaw that many 'Omo onile' end up selling the same piece of land to different people, based on their knowledge that it's only the buyer who successfully obtains a Governor's consent first that can claim rightful ownership of the land.

DR. B.A. OYENEYIN M.B.CH.B., A.C.S., A.C.S.I.(UK)
Medical Doctor, Associate Chartered Stockbroker, Certified Financial and Investment analyst.

To be continue

Should incase you need genuine land for residential, commercial or both

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pregnancy a family history of fibroids being over the age of 30being of African-American descent having a high body weight
What Are the Symptoms of Fibroids?
Your symptoms will depend on the location and size of the tumor(s) and how many tumors you have. If your tumor is very small, or if you are going through menopause, you may not have any symptoms. Fibroids may shrink during and after menopause.
Symptoms and General effects of fibroids
1. Heavy bleeding
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6. Pressure in the lower abdomen
7. Enlargement of the abdomen
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Sometime in 1988, I received a call from a good friend, Mr Akin Akintoye, about an interesting investment opportunity with a few colleagues. After a series of meetings, it became very clear to me that we were about to embark on an audacious but incredibly special journey, and I was excited about the prospect of being a part of such a project. For almost 2 years, I worked alongside the likes of Akin Akintoye, Fola Adeola, Tayo Aderinokun (of blessed memory), Gbolly Osibodu, Bode Agusto and a few others on this investment project. As of 1988 when we began the journey, Fola was 34, Tayo was 33, Gbolly was 33, Bode was 33, Akin was 35 and I was 33. The objective: To own a BANK.
It was a bold objective considering our respective ages at the time, but certainly not an impossible task in our eyes. So we began to hold countless meetings at Fola’s residence in 1988, until we eventually shifted base to Tayo’s First Marina Trust office in Victoria Island. By late 1989, we were ready to put in our bank application at CBN, along with the required minimum capital. This effort was spearheaded by Fola and Tayo (the two brains behind the entire operation), and supported by about 40 persons (including myself), most of whom were in their early 30s and working for different organizations at the time. The end product? We formed arguably one of the finest financial institutions Nigeria has ever seen- Guaranty Trust Bank (known as GT Bank today). The bank was licensed on the 1st of August, 1990 and we commenced banking operations later that year. A group of young boys in their early/mid 30s OWNED a bank! We simply dreamt big, and turned this dream into reality.
I am taking the liberty to reflect on this chapter of my personal history against the backdrop of some of the criticism about the ages of some of President Muhammadu Buhari’s ministerial nominees. The argument being brandished about is that by nominating the likes of Chief Audu Ogbeh as ministers, our President is somehow blocking the destinies of younger Nigerians by preventing them from occupying such positions. People are quick to reference Yakubu Gowon and Murtala Mohammed as being relatively young when they ascended to power, and they argue that the same opportunities that young people had in the past are no longer available today. They also argue that around the same time we were forming GT Bank in the late eighties, there were also a number successful young entrepreneurs who distinguished themselves as well - Bola Tinubu (Treasurer at Mobil Oil), Gbade Ojora (ED Mobil Oil), Jim Ovia (Zenith Bank), Erastus Akingbola (Intercontinental), Dele Momodu (Publishing), Tony Elumelu (Standard Trust), Liyel Imoke (Politics), O’tega Emerhor (Standard Alliance Insurance), Aig Imoukhuede and Herbert Wigwe (Access) and Atedo Peterside (IBTC) are some of the noteworthy youngsters who made an impact in various fields in Nigeria at the time. But what some of the proponents of the argument against the older ministerial nominees fail to realize or remember is that even in my early thirties, we also had very established industrialists like MKO Abiola, Otunba Subomi Balogun, etc, who all operated during our time. We respected them, but neither felt overwhelmed by their success, nor daunted by the prospects of climbing up the ladder. We simply forged ahead with our plans and damned the consequences. The point is nobody cleared the way for us back then, so young Nigerians today should not expect that anyone would clear the way for them either.
Perhaps, at play is the venting of some on-going frustrations by the younger generation today, but it is important to put things into proper perspective. I have spent a lot of time mentoring, observing and interacting with young Nigerians. Today’s youth are no different from those of my generation about 30 years ago. They are faced with the same pressures, frustrations, uncertainties and life vicissitudes that we faced in our late twenties and early thirties. However, the marked difference is how young Nigerians apply themselves today. Most of us who made an impact in our early thirties came from modest means. We were not rich, and we did not have any noteworthy inheritance. Nobody did us any favours, and the older generation did not give us a pass or a nudge in the right direction. In fact, the military administrations at the time made it extremely difficult for us to participate optimally in business, governance and politics. We did not have social media, and there was no technology to aide our goals. We were simply big dreamers determined to make a difference. We were highly enlightened and career-oriented, so we were able to force our way through the door by working extremely hard.
So what exactly needs to change amongst young Nigerians today? First, young Nigerians have to humble themselves. You have to be willing to learn the ropes and hone your craft. Around the age of 27, I left the relative comfort of a steady career at CBN to learn under the tutelage of Otunba Subomi Balogun, the visionary and pioneer behind FCMB. Working as Otunba Subomi Balogun’s executive assistant was an experience of a lifetime. He was (and still is) a well-organized and thorough individual. He strongly promoted excellence and perfection, and did not condone indolence, laziness or poor quality work. He was also an impeccable dresser, always elegantly attired in all-white traditional wear or perfectly tailored quality suits. I picked up these virtues and adopted his style of leadership and management in my future endeavors. I was opportune to travel with him to attend corporate and other board meetings. I gained valuable and practical experiences in corporate board management and boardroom politics, which became useful tools later in my career.
Secondly, you must know your worth. Do not settle for less, and do not allow yourselves to be used by selfish political interests. Challenge the status-quo. Challenge the establishment. The youth make up a sizeable portion of the Nigerian populace. By extension, they have the loudest voices and the biggest potential. Alan Moore, a prominent British author opined that “People shouldn't be afraid of their government. Governments should be afraid of their people”. This is especially true with regards to young Nigerians. You are more powerful than you give yourselves credit for. Our current president was victorious in large part due to the votes cast by young Nigerians, and you must continue to remind yourselves of this fact, because 2019 is already fast approaching.
Thirdly, and crucially, young Nigerians have to eliminate distractions. Do not get carried away by the allure of good living, bling, fame and fortune. Stay on the straight-and-narrow path. Distractions are the proverbial pot-holes; they slow you down from reaching your destination and damage your wheels in the process. By all accounts, social media is obviously the biggest distraction. It is a powerful tool, but can also derail you from focusing on the bigger picture. The most discerning amongst you will know how to navigate social media without hindering your ability to make significant inroads in the economic and political fabric of Nigeria. I have been impressed with what the likes of Linda Ikeji, Bellanaija, Don Jazzy, TY Bello, Jimi Mohammed, Banke Meshida-Lawal and other young Nigerians have been able to accomplish at such a young age, and it should serve as an inspiration to other young Nigerians in various fields as well.
Finally, take advantage of opportunities, no matter how small or inconsequential they may be at the time. Expect no helping handbs. And when these opportunities present themselves, grab what you can. During our cabinet meetings, my boss and mentor, Asiwaju Bola Ahmed Tinubu always quipped that “Power is never served a-la-carte”. This is indeed true in the context of where young Nigerians currently are, and where they need to be.
These are the sacrifices that the youth have to make today.

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Igbo must understand that they can not gain anything in spreading hated words in order to archive certain agenda .The issue of marginalisation could be solve without violent. They just need to see themselves as Nigeria with their whole heart .

Ndigbo writers in some mass circulation papers in Nigeria make monumental mistakes when it comes to the national question. They talk about igbo pogrom of 1966 as if it was an isolated case. Were the Northern political and military leaders including some in the West not wiped out on Jan 15 1966 night of fury in which the mastermind were the Southeast officers? President Azikwe, we were told, was out of the country on medical consultation, Osadebe was left undisturbed in Benin while Dr Okpara was left to entertain the visiting Archbishp Makarious of Cyprus at Enugu
Now as in mathematics so also is in real life phenomena that to each action is a reaction. Naturally, a reaction can be much more or much less than the action unlike in the realm of mathematics where they are equal and opposite! Now they teach their children that they had been cheated, humiliated, maimed and annihilated by the ensuing genocide without properly balancing the education
(I) They never write on how much effort and concession were invested not to make the East declare seccession.
(ii) They never acknowledge that a second opinion or an alternative option was never allowed to germinate in the Eastern Region of pre-May 1967?
(iii) The killers of Sardauna ,Balewa, Akintola et al were never put on trial?
(iv)They never publicise the ill-fated 1966 decree 34 of Gen Aguiyi Ironsi that put a death knell on federalism in one fell swoop? The plan had been to install Col Ojukwu as Governor of Northern Nigeria and rotate the others
There had been no consultation prior to the promulgation of the ill-fated Decree 34 and the impression was that the East was about to take over Nigeria. This was the main genesis of the regrettable progrom
Mr Nwazurike, the now celebrated leader of MASSOB, from Onuimo, Imo State, was only seven(7) years old when the civil war ended in Jan 1970. He even aspired to become Eze Gburugburu after Ojukwu's demise
During the 2006 National census when many igbo youths failed to register, claiming to be Biafrans, nobody cautioned or counselled them. At the end the count South East was the least populated of the six zones which makes additional 6th State on request to be arithmetically untenable.
Only Ndigbo can explain why they allowed political contractors to take over the whole of South East in 2014/2015 and demystified forever the acclaimed republican status of the Ndigbo by voting Ebele en mass against all rules of elementary logic. They have now succeeded in raising legions of strait-jacket hate writers and commentators on virtually all national issues. They see all issues from the warped prism of Biafra. The critical question is whether Nigeria needs Ndigbo more than Ndigbo needs Nigeria? The answer obviously tilts to the latter. There is no amount of solidarity of block voting pattern that can endear the south-south to favour any permanent alliance to south-east in preference to Nigeria. There is an over riding need for more soul searching in the South East. JetawoGS

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