₦airaland Forum

lonelydora:
Go and buy "car cover" and cover the entire car. It is just N2500.

2500 ke. E go dn reach 7k

Have u tried organic lemons?

If not, try buying from shoprite. Cut in 2, squeeze half into a glass of warm water, and sip.

Best if u can take it in the morning and on an empty stomach.

Repeat daily.

Can't guarantee 100%, but it's good for pimples, acnes, and having smooth face.

.

Has he always been that way? Did anything change? Y view u as a property and not a mate? Some men don't mean what dey say in public sha... Perhaps he's having low esteem or ego issues. Just talk to him candidly about everything. If u r valued by him he'll start behaving. If he continues, then u may want to talk to someone in his family he respects.. All d best in ur marriage.

'[b][/b]Just twice'!! I can't read hearts but u don't sound remorseful. What u did is wrong. U need to work hard to earn his trust again. Even if it means quitting ur job to show him he's no. 1 in ur life. Remember.. Trust is like a mirror, if its broken, it can be patched, but u'll still see d cracks... All the best !

How do u knw she's 14?

Smh. What has our daughters turned into?

Wake up at the same time each day. It is tempting to sleep late on weekends, especially if you have had poor sleep during the week. However, if you suffer from insomnia you should get up at the same time every day in order to train your body to wake at a consistent time.
Eliminate alcohol and stimulants like nicotine and caffeine. The effects of caffeine can last for several hours, perhaps up to 24 hours, so the chances of it affecting sleep are significant. Caffeine may not only cause difficulty initiating sleep, but may also cause frequent awakenings. Alcohol may have a sedative effect for the first few hours following consumption, but it can then lead to frequent arousals and a non-restful night's sleep. If you are on medications that act as stimulants, such as decongestants or asthma inhalers, ask your doctor when they should best be taken to help minimize any affect on sleep.
Limit naps. While napping seems like a proper way to catch up on missed sleep, it is not always so. It is important to establish and maintain a regular sleep pattern and train oneself to associate sleep with cues like darkness and a consistent bedtime. Napping can affect the quality of nighttime sleep.
Exercise regularly. Regular exercise can improve sleep quality and duration. However, exercising immediately before bedtime can have a stimulant effect on the body and should be avoided. Try to finish exercising at least three hours before you plan to retire for the night.
Limit activities in bed. The bed is for sleeping and having sex and that's it. If you suffer from insomnia, do not balance the checkbook, study, or make phone calls, for example, while in bed or even in the bedroom, and avoid watching television or listening to the radio. All these activities can increase alertness and make it difficult to fall asleep.
Do not eat or drink right before going to bed. Eating a late dinner or snacking before going to bed can activate the digestive system and keep you up. If you suffer from gastroesophageal reflux (GERD) or heartburn, it is even more important to avoid eating and drinking right before bed since this can make your symptoms worse. In addition, drinking a lot of fluids prior to bed can overwhelm the bladder, requiring frequent visits to the bathroom that disturb your sleep.
Make your sleeping environment comfortable. Temperature, lighting, and noise should be controlled to make the bedroom conducive to falling (and staying) asleep. Your bed should feel comfortable and if you have a pet that sleeps in the room with you, consider having the pet sleep somewhere else if it tends to make noise in the night.
Get all your worrying over with before you go to bed. If you find you lay in bed thinking about tomorrow, consider setting aside a period of time -- perhaps after dinner -- to review the day and to make plans for the next day. The goal is to avoid doing these things while trying to fall asleep. It is also useful to make a list of, say, work-related tasks for the next day before leaving work. That, at least, eliminates one set of concerns.
Reduce stress. There are a number of relaxation therapies and stress reduction methods you may want to try to relax the mind and the body before going to bed. Examples include progressive muscle relaxation (perhaps with audio tapes), deep breathing techniques, imagery, meditation, and biofeedback.
Consider participating in cognitive therapy. Cognitive therapy helps some people with insomnia identify and correct inappropriate thoughts and beliefs that may contribute to insomnia. In addition, cognitive therapy can give you the proper information about sleep norms, age-related sleep changes, and help set reasonable sleep goals, among other things.

Nysc sef.. Anyways thank God nobody died.

Since u travel a lot, pls manage ur corolla. Just watch ur acceleration patterns to economize fuel. Cars are very expensive lately, and u'll knw the meaning of frustration when u buy a 1.0 liter engine car that drinks fuel more than ur 1.8. Just manage pls.

Jason Mraz - I won't give up

The Nigeria of today.. The craze of rushing t snap and upload has been beclouding common sense. Its a pity

deardammy:
Thank you so much for the advice i really appreciate it! And its like you know Nigerian parents can be really difficult lol. i will get my points on paper and start rehearsing!

All the best with it.

Dammy, so sorry about all the stress. Sometimes life can be like that. Most ppl will advise u to stay there and live the better life cos life here is a living hell. But the heart has reasons that reason can't understand. Home is where ur heart is. If u really desire to return to Nigeria, summon courage, make an outline of ur thoughts, rehearse, and pour ur heart to her. She may agree, she may not, but u're doing what is right. In the midst of this recession, many here still live happy, fulfilling lives. Agreed, Naija is a mess, but if ur heart is here, I ain't wrong to want to spend ur life here.

My Name. Cos I bear my father's.

No be only expended, na espended.

Good day great farmers.
I'm new to the business. I noticed some weeks ago that a few of my fishes aren't eating well and their fins looks withered and r falling off .. They r 4 months old and weigh about 1.2kg on the average. What do I do pls?

One may be tempted to be jealous, even envious. But the mature thing to do is to rejoice with him/her. Call him/her and share in the joy... Its the safe way.. No go die of high bp

Simply NOTHING

Which kind yeye test be that? If the woman should try it with the man, can he endure??. I'm a man but I cant support this nonsense!!


Anyways... Na imagination

D promo just ended o

Many r mad. Few r roaming

2016: The fear of economic recession!


By DEle SOBOWALE

“Economy could slip into recession, CBN warns.”

News report, September 23, 2015.

BEING ECONOMICAL WITH THE TRUTH

The report went on to state: “The Monetary Policy Committee of the Central Bank of Nigeria on Tuesday warned that the country’s economy could slip into recession next year if proactive steps were not taken by the Federal Government to revive key sectors” .. Ordinarily, people reading that statement, and believing it, would be excused for thinking that the CBN and Governor Godwin Emefiele don’t already know some truths which render their statement more political and self-serving than economic. Unfortunately, the CBN and the Monetary Policy Committee already know that a recession in 2016 is inevitable.

The call for “proactive steps”, meaning vital fiscal policy, betrays their failure to level with Nigerians and the international community – the latter has a vital interest in our economy and its confidence in Nigeria is crucial to our recovery from impending recession.

The CBN knows better than anybody else that, as China goes, so goes much of the global economies. A most recent survey showed that Chinese factory output had fallen to its lowest level in six and a half years. Big economies on the skid cannot be turned around in a hurry.

The same CBN is aware that exports of crude are expected to fall to 56.66 million barrels in November. That is 1.89 million per day instead of the 2.04 million planned. December shipments are not expected to be significantly higher.

What sort of “proactive steps” can be taken between now and December to avert a total year decline from last year? Economics is not magic. Even if it is, where is the magician now?

THE ECONOMIC FACTS CONFRONTING US

The CBN and keen watchers of the economy are aware that the National Bureau of Statistics, NBS, announced that our Gross Domestic Product, GDP, grew by 2.35 per cent in the second quarter of this year – which ended in June. It was the second quarter in a row that the economy will record less than budgeted performance. Incidentally, 2.35 per cent growth, when the population continues to grow at close to 2.85 per cent, means that the average Nigerian is getting poorer.

Nigeria-economyFurthermore, the NBS projects that year-end GDP growth will be about 2.63 per cent. That is still less than half of the budgeted growth. Additionally, the third quarter is over and there was no economic stimulus to accelerate the rate of GDP growth from the abysmal 2.35 per cent recorded in the second quarter. As we enter the fourth quarter, the focus of the Buhari administration has been to fight corruption and Boko Haram. Economic policy makers are not required for those.

There has been a distinct absence of focus on the economy as we can see in the fact that neither a Chief Economic Adviser, CEA, nor a Minister of Finance, has been appointed. By contrast, one of the first major appointments made by former President Obasanjo in 1999 was the CEA. Like it or not, a strong economy is the bedrock of the nation. Neither corruption nor Boko Haram can be successfully fought if the economy is in shambles.

Vice-President Professor Osinbajo, SAN, apparently, has been saddled with the economic policy portfolio at the moment. Professor, yes; Senior Advocate of Nigeria, certainly, but he is not an economist. Nobody knows better than the CBN Governor that only experienced economists can develop the “proactive steps” required to stave off a recession next. At any rate, there can be no “proactive steps” hereafter because, with the fourth quarter upon us and the first quarter of 2016 on its heels, nothing done now can prevent the GDP from growing at less than 3.00 per cent in the last quarter of 2015.

THE GLOBAL PERSPECTIVE

Nigeria, being heavily dependent on trends in the global economy and especially export of crude oil, cannot escape the downturn worldwide. Apart from the United States (US), which grows steadily at about 2.6 per cent per annum, driven by near zero interest rates by the Federal Reserve Bank, the rest of the world presents a scenario in which governments all over are grappling with economic reversals.

China, the world’s second largest economy, has experienced GDP growth slowing to as low as 5 per cent from the previous double digit of a decade ago. Japan, the third biggest economy, has now adjusted to the fact of recession. Russia, tucked between Asia and Europe, has also slowed down. Brazil slid into recession last quarter and South Africa’s economy is stalled. Altogether, the BRICS (Brazil, Russia, India, China and South Africa) countries, which had powered the global economic surge in the last 15 years, are either slowing down or failing despite active government intervention in their economies.

At the moment, there is no discernible Federal Government plan to avert the threatened economic decline.

PROSPECTS FOR 2016

Nothing hurts an economy and the people of any country more than self-delusion of its top officials. In that news report, the following was stated in the final paragraph: “On the exclusion of Nigeria from the JPMorgan Index, the Governor said the Central Bank would continue to play its role of engendering growth and impacting the lives of the people”.Emefiele must be dwelling in his own self-constructed paradise.

The economy grew at 6.54 per cent in the second quarter of 2014; the growth dropped to 2.35 per cent this year. The final year projection for 2015 is expected to be 2.63 per cent compared to 6.22 per cent last year. Last year, we were strongly listed on the JPMorgan index, enabling Nigeria to obtain loans/credit at favourable rates. Now, we are out of it; and the country will pay more to borrow.

The Treasury Single Account (TSA) policy imposed on banks by the Buhari administration is already having its predictable effect. Liquidity is low in the banking sector and interest rates are escalating – portending lower investments. Foreign investors are divesting from the Nigerian Stock Exchange (NSE) and crude oil prices are likely to remain low for the whole of 2016.

Meanwhile, there is no discernible fiscal policy which should drive the “proactive steps” which the CBN is advocating. Everything, mostly government inertia in responding to external and domestic threats, is combining to ensure we start 2016 in a recession.

THE BUHARI JINX?

When President Muhammadu Buhari took over power in December 1983 as military Head of State, the price of crude oil was plummeting so fast; from its record highs under President Shehu Shagari, the nation started defaulting on repayment of its external loans. There was scarcity of most “essential commodities”, then called ESSENCOs. Rationing of foreign exchange, through the later discredited Form M policy, was introduced; counter trade was also established to circumvent OPEC quotas and export more crude oil.

The government equally stubbornly refused to devalue the currency which most economists knew was over-valued. Nothing attempted prevented the economy from negative growth. By the middle 1985, it was clear that the nation’s economic policy makers had run out of ideas.

Perhaps, it was pure coincidence that the focus of the administration in 1983-85 was war against corruption and indiscipline – both of which were pursued with vigour. But, as the recession in the 1980s got worse, the two wars lost appeal to the more pressing problems of jobs and personal income.

The Babangida administration, which succeeded Buhari’s, abandoned the Form M policy and introduced the Structural Adjustment Programme, SAP. It was a total overhaul of the economic policy which introduced reliance on free markets to determine exchange and interest rates, as well as prices. Unfortunately, even SAP was eventually subverted by IBB’s political ambition and his ambivalence when it came to taking tough decisions to make SAP work. Nigeria’s journey to recovery took longer than expected.

In 2015, thirty-two years after his first coming, Buhari is, once again, confronted with an economy whose mainstay, crude oil, had fallen on hard times, debts are mounting and becoming increasingly difficult to pay; the global economy is in recession and he has no economic management team in place.

He will be well-advised to learn from his own history as Head of State. Fighting corruption is vital; but, that alone will not sustain the goodwill of voters. Providing food, jobs, health, education, transport are also imperatives which must be addressed quickly. Otherwise he will soon be listening to Nigerians saying as in 1985: “Na discipline we go chop?”

A word is enough.

SUPPOSING “PROACTIVE STEPS” ARE TAKEN NOW

Since the CBN has taken the position that “proactive steps” will avert recession, perhaps, it is best to examine that proposal which is fallacious. Any measure designed to prevent an economy from going into recession needs time to show results. Nothing known to economics suggests that any step taken today will reverse the downward trend before the first quarter of 2016. There might not even be any significant improvement until the third quarter of 2016 – if that will happen at all. And most of such steps call for huge investments of funds – which Nigeria does not have at the moment.

However, the real bad news is: nobody in this government is thinking of any step, proactive or otherwise, to avert the recession. And the reason is simple. There is nobody in charge of economic policy. Not a single one of the appointees made to date can take charge.

THE ADVICE BUHARI NEEDS

“There is no good arguing with the inevitable.” James Russell Lowell, 1819-1891.

With recession all but inevitable, the advice Buhari needs is not the one given by the CBN. That is like asking government to start building protective walls after the tsunami had started barreling down to the sea shore. It is too late for that.

The advice Buhari needs should address how to manage the recession to minimize the damage to the economy and the hardship which Nigerians will suffer.

In that regard, the President needs to know that his three predecessors, Obasanjo, Yar’Adua and Jonathan, appointed economic policy managers who could manage relative surplus or affluence. He faces a sea-change. His group of economic advisers must be people who can manage a lean purse. Okonjo-Iweala surrounded herself with Dangote, Otedola, etc — people not known for managing “empty” treasuries. The next Minister of Finance must be accompanied by people who can achieve a lot more with very little. Otherwise no “proactive steps” will work.

Source: http://www.vanguardngr.com/2015/09/2016-the-fear-of-economic-recession/

cc: Lalasticlala

Try driving with a partner u can gist with..

39 pencils

D door was not fully closed. That may not be d full name. I think there's something between d 'in' and 'Jesus'.

But if that's d full name... Na wa for dem!!!

Seat tie

Have u been 100% faithful 2 her?

If u no Jack b4 u enter did kind hall u don't die!! Omo, u go count ceiling tire

Fine its good to follow rules. But most ppl with good Jobs Neva mechanically followed these many rules online nowadays...

Anyways... Na d unemployment situation dey cause all these many rules shashare

Who knows whether reading this piece will make one turn a new leaf..