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Leezah's Posts

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Investment › Re: Treasury Bills In Nigeria by Leezah(f): 7:03pm On Sep 23, 2020
ahiboilandgas:
my partner stood as surty for a transporter and he stole/diverted 2 trucks of pms worth 12.5m .....the men in black are demanding 10 percent of recovered sum at their cut .....the Nigeria lawyer is advising him to accpet and also fund the expense of the operation......both lawyer and the men in black and the theif are all Nigerians ..no American dey.
See there are a lot that happens in the legal profession that is not internet friendly.
Health › Re: Trying To Conceive A Child? TTC by Leezah(f): 10:07am On Sep 23, 2020
Progesterone is important female sex hormones secreted by ovaries which is important for fertility, menstrual cycle, pregnancy and other reproduction related activities.

Low level production of progesterone can lead to the abnormal sexual life. The level of progesterone can be increase by various way.

Cholesterol is essential for the production of progesterone. Consumption of food with fat content (fishes, coconut oil etc) is helpful to increase the productivity of progesterone.

Various minerals triggers pituitary gland to secret the adequate amount of hormones. Zinc and magnesium containing products should be involve in the diet.

Vitamin B, C and E is important for the balance of sexual hormones.

Pills and injections are also available in the market to increase the level of progesterone.

Consult to your doctor for better treatment.
Properties › Re: What Is Your Worst Experience With A Tenant? by Leezah(f): 9:57am On Sep 23, 2020
simplesearch:
There'll always be an exception to the rule, once you get 70% of your tenant on your side they'll help you tackle the remaining reciltrant 30, however if they all agree you are inconsiderate then you are done for. That's where you need to deal with your tenant on individual level once they start to show symptomps of negligence to paying their rent.
shocked
Properties › Re: What Is Your Worst Experience With A Tenant? by Leezah(f): 9:57am On Sep 23, 2020
NoToPile:
If I talk ehn book go full.

Mumsies tenants and their wahala.

The one that was reminded about his rent being due that said it skipped his mind grin grin grin

The ones that will never pay NEPA bills, you were owing about 24k and then prepaid came, ekedc diverted all the debt to the prepaid you now said you won't pay it ,you now expected the new tenant that came in that you are sharing the prepaid with that is not owing kobo to pay the debt on the prepaid, who does that.

The ones that always pay rent in arrears, you would have used 6months before paying 6 months rent again and then you use the next 6 months to be asking for rent (we felt maybe yearly rent is too much out be paying 6monthd now wahala again).

One is presently owing 7 months areas now, the money she dropped early this year will elapse november last year.

The one that was owing NEPA bills of 17k and couldn't pay 120k rent for self con, oya pack out now, we wipe off the 120k just pay the 17k NEPA bill as that one is not our own money its nepas money and it will reflect when prepaid comes. Shishi he didn't drop, we had to pay that debt when they installed the prepaid abi shey its new tenant that will pay debt on prepaid?

I must confess since we got the prepaid meters wahala has been reduced,although there's a stubborn one that is refusing to pay her own share as she is sharing a prepaid with another person, how will you expect someone to be buying units for you. How these people sleep at night baffles me.

I don't blame harsh landlords, in all honesty I don't. Those ones ehn you dare not try rubbish with them.

I also find it annoying when people think you are wicked when you ask them for rent.
The bolded very true and I have seen that such Landlors have many houses.
Properties › Re: What Is Your Worst Experience With A Tenant? by Leezah(f): 9:52am On Sep 23, 2020
Never Give your family members or friends your house it will end it a strain relationship.
Ndipe:
One of my uncle's allowed his childhood friend to stay in his boysquarters rent free.His benevolent gesture was outside the state he currently stays at. His friend lived there rent free for nine years. Then my uncle heard that he was telling people that he was the owner of the house. Afraid that he might misappropriate his property, my uncle gave him a quit notice
The guy took offence and quarelled with my uncle. That ended their decades long friendship.
Properties › Re: What Is Your Worst Experience With A Tenant? by Leezah(f): 2:31pm On Sep 20, 2020
One4me:
You are my type of Landlord, you sabi how e dey roll.
I ahev it in my own Agreement with tenants, that the House is designed for a maximum of five heads (Parents and two Children, max.), once you are more than that, the house is no longer suitable for you and you have to seek alternative accomodation, l dont want any over population and over-use of my facilities. All flats have their Prepaid meter, from inception, l load Credit on the Utilities meter that controls Compound lighthing, Cameras, Pumping machine and other general items. I do all repairs, you touch my wall, your Security Deposit is a gonner. No Generator after 11pm, use an Inverter if there is no light. Everything is in black and white in our "private" agreement and can be enforced at law but my tenants are nice lads in their late 20's, early thirties. .

And you are right, it is only in cheap houses that you see the tenants taking 'breeze' in the balcony, Behind Tenants are inside with A.C blaring and watching a Movie or listening to 'Are you don-tuulking'. grin
Is it true that Ibos are no-go areas as Tenants, most people l have heard from always say never, ever give then rent in your house?
What is your own experience with them?
it's an individual thing not a tribe thing as regards tenants who are classified as "no go area". If you design your house very big as my landlord did you will not need to have to tell them the maximum number to have even to put nail for wall gan no war. Extremely spacious, you can have a family meeting there.
Properties › Re: What Is Your Worst Experience With A Tenant? by Leezah(f): 2:22pm On Sep 20, 2020
One4me:
And you think landlords too dont have and know their rights?
While l dont condone changing of keys or locking a tenant out but there laws that Landlords can use, to deal with such tenant, without wasting any time at all.
Its all in the Tenancy Laws and we all keep a copy and retain a sound Lawyer. undecided
where is it?
Properties › Re: What Is Your Worst Experience With A Tenant? by Leezah(f): 2:21pm On Sep 20, 2020
One4me:
It is not a must that everyone must live in `a 3-Bed Flat.
Your Rent must never be more than 35%of your income, whether monthly or annually. Anything above that, you are looking for trouble.
If your Monthly income is #30,000, then go and rent a single Room that costs #10,000 - #12,000 per month, Maximum.
Dont go and rent a two bedroom and be forming big man, you are on a minimum wage, for God sake!

We really dont have a Govt in Nigeria. Landlord provides for everything, including water, gutter, electric Poles, when they build.
Landlords at times take loan to build a house and they have to repay the bank back, so how can they tolerate a defaulting tenant or do you want the bank to sieze their house?
Landlord- Tenant relationship is a Business relationship, they are not father Christmans. grin It is a matter of BUY-and- SELL.

You cant go into a ShopRite shop and carry an LCD TV and tell them there is no job therefore you wont pay. You will rather stay away from the place.
Samething, if you cant afford a rent, move to a lower class accomodation that you can afford and always take your rent as a priority.
Save for it, avoid other expenses, just to make sure your rent is always available.

The only thing l cant and will never tolerate is a tenant that owes me rent, l so much detest them.
As a kid, l remember my Dad say he wont by me a Chopper bicycle as Christmas present, which was the rave in those days.
I was so upset because l overheard him and my Mum talking about some money that he just got. My friends have just got their own shiny Chopper bikes.
I finally refused to eat and got sick, then he called me one day and said, l know you heard about the money but that money is for our Rent renewal and l cannot touch it. I was like so this man will suffer me just because of House` Rent?
Eventually he persuaded me to give up on the Bike and when the Landlord came to our house to collect the rent (5th of every January, he never misses it), l heard him praying for my Dad as usual. You will invite me to your own house warming bla bla bla.

I got my bike the following long Holiday (July!), my Dad completed his own House about two years later and that same Baba was at our house warming ceremony and my Dad recalled this same story to everyone at that event.
Every Tenant that lived in our own house has gone to build their own house from rigth inside our house except one stubborn goat who made a nuisance of himself, always trying to play smart, wont pay his rent when due and very arrogant.
After a lot of warning and a quit notice, my Dad changed the lock to his apartment, he went to bring Police, my Dad brought in Soldiers. Police told him to go to court. My Dad actaully sued him to court but he did not appear.

'Jankara' accelerated and finished his case in no time and just one morning as l was about to go to school, a big truck hired by my Dad (7am sharp) and the Court Bailiff came to pack all his properties, they siezed his car for auction. Come and see disgrace in the neighbourhood.
He quickly started running around and begging people to loan him money, the Bailiff told him that once the things gets to the Court, it will be sold at give-away price to recover his debts. Come and see begging, for someone who pulled Police on my Dad! grin

I refuse to go to school that day, l wa so glad to see his back.
Eventually, neighbours pleaded on his behalf with my Dad (Bailiff was getting impatient and wants to leave with the properties), somehow, he got the money together, from neighbours, Church members, his family members, etc. Every cent and the cost of litigation and Truck rent, was paid.
Finally, the truck left with the Bailiff and his things were strewn all over the road for almost five days; one rain decided to add insult to this injury.

Now, l am a landlord too, my Dad's landlord died two years ago at 97yrs, he was also a`t my own House Warming and l beleive that those tenants who really take their rent seriously and pay it on time, those who get the prayers of their Landlord, will build their own house in no time.
Maybe it is the pressure of not wanting to owe rent or maybe it is the prayers of the Landlord but l noticed that all my Dad's Tenant till date (except one) left from our house to their own. Right now, l have helped two of my own tenants to secure land at Ikorodu and l went with one to supervise block-laying on his land, just before the Covid-19 lockdown.
But they know that if you want to see my red eye, just dont pay your Rent once it is one week before it is due, then you will know that l am not nice at all.
I hate to ask people for money so l respect when they pay without my asking but my Tenants are like part of my family, l love them, it is only house rent that can separate us and we all know not to cross that line. By fire, by force, they must build their own house.
Even the young banker who just got married two years ago and was trying to buy a second flashy car, l told him there is no parking space except he buys a land first, he was angry but has bought the land anyway, now the Wife and his Mother are thanking me.
Silly Tenant, he wants to be flexing about with money, what if he loses his banking job suddenly, how will he pay my own rent or will l let him live there for free? I will throw him out jejely, l nor send.
You are yet to be a full grown man, until you have your own house.
What goes around comes around? It's a combination of your dad's landlord prayers and his ability to pay rent. My mom's house a tenant has moved to his own house, 3 other sitting tenants are building thier. But with COVID-19 it been a b8t difficult i juay became flexible half yearly. Your dad met a nice tenants to be able to change his keys. If not I will stay in that house without rent.
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 8:08am On Sep 20, 2020
IamRichards:
And I should add this,I never imagined soliciting for help offline/online,but when you are among the furloughed staff with no pay since march,whatever you planned must surely crash.And yes,this is more embarassing than you can imagine. cry
How about your Pastor, friends and family? They should be the right people to call upon at this time.
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 7:55am On Sep 20, 2020
ahiboilandgas:
That the name of the cbn/Nirsil bank covid 19 facility at 9 percents with monitorium of 6 months and 5 percent till 2021 ...Max 10m no collateral....only bvn ...everthing is online at Nirsil bank site..u must attend 2 days trainings by the cbn designated centres and upload the certificate....Nb they buy the income generating assets for u ...i know 5 people that have gotten 1 poultry,resturant,photography and transporter.......no dullings.......advice borrow what u can handle....payments is like 156k per months for 7 years .....Good luck...
Ogami person fit collect this loan buy land or use am rent shop?
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 7:53am On Sep 20, 2020
Thisnut:
isihor area just after uniben. Few blocks from benin/Lagos road
shocked hot cake? They government just upgraded the ishior college if education to polythenic
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 7:51am On Sep 20, 2020
Thisnut:
i believe so too. The 6 apartments that i am currently working in benin city is all taken except the one i kept for myself. It's currently on the painting sage at the moment, even during the building stage a lot of people were coming to check it out. Location is the key and it's better to invest good money on a land. The building itself would be worthless if the land is cheap and under developed.
Lol! Sir it a new house people will rush it especially if the location in New Benin, Ringroad, Aduwawa or even 3rd but ensure you do Know your tenants (KYT)
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 7:45am On Sep 20, 2020
ukay2:
Look for potentials to pay subsequent rentals.....very important for me.
How do you know a potential tenants that will pay.
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 7:44am On Sep 20, 2020
grin just
ahiboilandgas:
Cavet....dont work with my advice or suggestion or write ups ....
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 7:43am On Sep 20, 2020
missjekyll:
This is embarrassing. Now if you just go to ikpe mmiri,hire a Barrow and carry yams,you would have more than enough.
Noone on this thread will drop a penny. You had 9 months to prepare. Welldone,sir
Well said, he had a 9 month to do 50k 'ajo"
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 7:39am On Sep 20, 2020
4tunebest:
@faoogoke, it is all about strategy, adequate planning and learning from the mistakes of others to avoid repitition of same.
True but you have to learn to avoid certain tenants especially LAWYERS
Investment › Re: Treasury Bills In Nigeria by Leezah(f):
Lazyyouth4u:
The bolded is what the issue is. For that class of tenants (500k to 700k), you have to be very lucky to find tenants that can afford to keep paying rent year in, year out in this economy. No doubt, there is a shortage of affordable houses and demand is high but are there enough bankable tenants? I don’t think so. Many of these tenants will gather money and pay first one or two years just to move in. Na after that, person go come know the kind wahala wey he enter. At the end of the day, we all pray to be part of the lucky few like you that have decent tenants that continue to stay employed/thrive in their businesses in this economy.
Tenants to avoid
-Pastors:- They come with sweet mouth forming religious and nice. Only to begin giving excuses when contract renewal is due.

-Business men

-Estate developers with no verifiable information on the places he has developed.

-Tenants running from their former
landlord/lady especially if they claim relocation.

-LAWYERS avoid them like a plague.

Many tenants are very Stubborn.
They only pay their first rent promptly after that.The drama starts


Rule number 1 : do not hire who you can’t fire. Don't give your house to your close friendsor cousins they will take advantage of you.

Rule number 2: Don't be too jovial with your tenants. Once they are comfortable with you they will start taking advantage.

Lastly, ensure you make it a point of duty to speak to their former landlord, collect A passport of 2 of their guarantors with means of identification from him and his guarantors (No office ID) then visit his place of work or send a letter to his employer to confirm he works in that organization.
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 7:31am On Sep 20, 2020
ukay2:
There is so much housing deficit in Nigeria.

One just needs to get Good Rental Apartments and Good Tennants....your good to go
How do you know a good tenant?
Properties › Re: <<<<<<<<<<<<<<<<<<THREAD FOR LANDLORDS AND LANDLORDS TO BE ONLY>>>>>>>>>>>>>>>>> by Leezah(f): 1:27pm On Sep 17, 2020
Good afternoon
Romance › Re: Am Not Shaking Table Oooo Just Saying !!! by Leezah(f): 2:25pm On Sep 16, 2020
A healthy, happy romantic relationship typically involves:

Companionship. You spend time together.
Intimacy. You reveal parts of yourself that you usually keep hidden.
Support. You bolster each other in difficult times.
Fun. You enjoy each other's company.
If you are attracted to women, then you'll be having romantic relationships with women. These are the sorts of things you should expect a woman you have a romantic relationship with to offer. A woman who does not offer these things, and only offers sex, is not a woman you should have a romantic relationship with. Same deal if the woman offers those things, but you're only interested in the sex she offers. You could have casual sex with her, if both of you find that arrangement amenable, but don't try to force your connection to be something it's not.

In addition, if and when you commit to share your life with a woman on a long-term basis, you may create a household together and raise children together. You should expect her to offer effort in those endeavors that matches your own. You might express that effort in different ways — for example, if one of you earns a wage and the other performs household labor — but however you handle it, you should look for a partner, not a freeloader.
Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 5:50pm On Sep 14, 2020
n3xt:
My 4th inverter got damaged because my in-law decided to try pressing iron on it.

The inverter (Mercury) blew. But my latest inverter will trip off and put a message on the screen.

A lot of people do overload their system.
I’ve had 3 since 8 years ago and added the 4th one 2018 without major issues.
Iron and hot plate kills Inverter. When you buy inverter there ware energy consumption specifications of all equipments in the house. Nigerians we don't read. So anyhow is a way.
Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 5:38pm On Sep 14, 2020
earthrealm:
For uninformed people, or hotels.
Its a no brainer using generator in this day and age by an avg nigerian.
I detest gen noise.

Part of the reason is that the renewable energy biz juust like other sectors in nigeria is unregulated.
Clowns fronting as installerrs, who make a mess of things, making people to believe solar doesnt work.

My folks the in the village has been hving 247 light since 2013 or so all thanks to solar, as phcn is non existent there.
4 batts, 8 panels, 1.5kva inverter.
Fridge runs 8am to 4.30pm daily, controlled by timer socket


@ 20ft container, am interested as well, prices am seeing are quite discouraging, plus transport cost. As lagos seems to be the epicenter
Well said!
Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 5:04pm On Sep 14, 2020
Moda1:
Pls madam , what brand did u buy that u hv used for 8yrs . I'm interested.
it's not a function of the brand Sir.

It's a function of your usage in my opinion. The average Nigerian will typically waste or be extravagant especially when the price is not commensurate with usage.

With Solar inverter you become conscious of your usage depending on your KVA. Higher KVA you don't need to be. The brand is what I don't know.
Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 8:30am On Sep 14, 2020
n3xt:
Pls do you mind sharing the contact of your supplier/installer with me.

bds@nexthomebuilder.com

Thanks.
Mr Aliu 0703 672 9022 installer.
Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 8:28am On Sep 14, 2020
mufutau55:
How much do you think 5kva and 10kva will cost? I mean the whole equipments. Hybrid, Inverter & NEPA & Generator. Thanks.

@kiekie1
@EgunMogaji2

Hajji M.
Sir Hybrid! I will Google it. Attached is the picture of mine.

Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 6:56am On Sep 14, 2020
Badgers14:
Did you forget to upload the quote?

Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 6:52am On Sep 14, 2020
coldcandy:
300k may not put you off grid except its a minishop or one room apartment without fridge or AC.
The Inverter shud be about 70k.
How many batteries?
How many panels?
Cost of other accessories....
it all dependent on your pocket size.
1 battery
2 panels
Accessories maybe 50k. I use inverter AC and it carries my Washing machine. It not the size of your apartment, usage is key.

During the day, I only use tv especially during cold weather, all lights are off during the day, you use light when you need it. The AC works for maximum 6hrs and then I cool off with the fan.

It a 3-bedroom apartment.
Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 10:33pm On Sep 13, 2020
SurveyorGeo:
Please this price is for how many kva?
1.5KVA
Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 10:13pm On Sep 13, 2020
coldcandy:
This cost should be 8 years ago.
No! Current rate.
Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 10:12pm On Sep 13, 2020
Please help me check the quotation my plumber gave me just to do small gutter and repair works.

1. 1 length of 2 1200
2. 2 Tees bend & floor drain #1500
3. Cement #500
4. Labour #7000
5. 20 pieces of 6by6by18 block @180 #3600
6. 4 bags of granite stones @ #1000 #4000
7. 8 bags of sharp sand @ 500 #4000
8. 2 bags of cement @2700 # 3400
9. 1 6by6by9ft long tick pipe #6000
10. 3 2 Tees at 200 #600
12 2 Taps for kitchen and outside 2600
13. Labour for digging & bricklayer #7000
14. Gum 600
Transport #5000

Please your input is needed.


Thanks in anticipation

Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 8:25pm On Sep 13, 2020
bobkezel:
To go off grid is expensive, else all of us would have...
it's is not expensive. I used to think like you until I decided to go off grid. You have 1kva, 1.2kva, 1.5kva and so on and so forth.
Advantage
-No noise pollution
-Uninterrupted power supply (depending on usage and KVA)
- No maintenance issues
- 8 yrs and counting
Take that bold step today you will be happy you did
Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 8:21pm On Sep 13, 2020
iamoyindamola:
how much for the set up
300k depending on the KVA you want.

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