₦airaland Forum

Havilaah1:
Thanks, I'll keep trying
Now that i know they already said something like this, me making serious move to flow with them will look like I'm pretending because they said it.

No my dear it's not... I'll type my own reply when I'm less busy...cos your man is such an amazing guy..and you both have a beautiful relationship going on.... Anyone telling you he is selfish is not giving you a good advice brb

Havilaah1:
At some point i wanted to believe he defended me but then again i thought if he really did he could have told me he tried explaining my personality to them but i should try reaching out to them.
I'm not considering ending things because he ticks most of my boxes but if he decides to end a beautiful relationship cos of this, i won't sweat it.

My dear sister you know it's a lie... Lols you would definitely sweat it

Springboot:
In 2021 you don't know if saraki a former Senate president is in pdp or APC and you want somone to trust you with loan of 200k? Well, not me.

Hahahahaha lwkmd

BigSarah:
The set of people supporting the Biafra Agitation currently are incapable of achieving it..
The secessionist agenda is DOA looking at the groups and mental capacity of the individuals pursuing it...

Best to sit still in Nigeria and try to get the best out of it, pending when everyone is ready and equipped on all front.

Tell that to South Sudan!

ogascomax:
The new testament did not really deal with the issue of marriage in a clear terms. But the Bible let us know that when the spirit of truth shall come he shall guide us into all truth and he will teach us all things. Christ is also our wisdom. Through the wisdom of God we understand some things or subject that are not actually stated in the scripture that is why we have the Holy spirit. When Paul speaks about marriage in Corinthians he did not deal with the process rather than encouraging singles to either get married or remain single.

So you won add wetin no dey for Bible Baba take time ooo!!

ogascomax:
You will need to understand the difference between the old testament and the new testament. The old testament is more about Israel while the new testament is about the Church. You will have to come to the presence of God to bless your marriage. You need to know that you are more a Christian than a traditional man. The Jew rejected Christ because of their tradition.

Kindly point to any place in the New testament to back up your claims!!!

Mcreloaded:
After reading these comments I now understand why VIO don't and cannot operate in Edo state.

Why can't they operate in EDO state Lols

Informanta:
I wish I could tell my story in my bid to escape From our beloved �� but my story is just too long, but in summary all I would say is Do everything possible to have another shot at life where there is no restriction to what you can achieve

Please tell your story make I learn abeg!!! Such stories fans the fire some of us have burning on the inside biko!!

Magnoliaa:
Men. Very interesting beings, walai. Now they are all discussing about how they are the desperate ones for marriages and relationships. Kikiki. I thought y'all like to sow your seeds and be wild and hate being tied down ni? So now y'all are the ones conditioned for marriage? Lewl.

I guess Shiloh is gonna witness a turnaround on its turnouts this year then.

you no well

Kobojunkiee:
There are many Nigerians living in cities in America who believe pretty much the same things things counterparts in Nigeria do as far as marriage is concerned.

So what's your advice then??

Informanta:
I just wish I could narrate my experience

Please na God I take beg you... Narrate your experience make we learn abeg!!

sharone21:
You are right but the part u said bills should be split equally CANNOT be forced...Or during pregnancy and child bearing, u will help her carry it or help her pay a surrogate?
I believe in partnership in marriage and a wife supporting her husband and if God blesses her more, even be the breadwinner while the man helps out...but understand that unlike men who are not bugged down by child birthing and care which takes a chunk of a woman's life and economic wellbeing, many women have lost opportunities of more progressive promotions at their places of work and subsequently are at the lower rung of life financially.
There must be balance and each home is uniquely different.

Beautiful!!!

GeneralDae:
Oga rest nah. Na now you wake up? thread of since yesterday when elders don table with kola and gin na you still dey worry me put?

GeneralDae:
I am not comparing Poland to all of Africa on all indices. I am saying in terms of opportunities (especially opportunities for career jobs), they are not doing very well and if you look closely, they can be compared to some African countries. In terms of white collar opportunities, they can be compared to SA and even Lagos Nigeria.
If poland is that great in terms of opportunities, why are so many of the polish citizens having their white collar and even blue collar jobs ( to an extent) in Germany?
I have spoken with polish colleagues in Germany and they tell thesame thing (Hungary is even worse). Poland and Hungary are cheap to live in but there are not so many opportunities, hence they relocated to work in Germany.

You absolutely know nothing about Poland!!! I swear to God!!!

GeneralDae:
I never knew Africa was so bad in terms of job openings because Poland in Europe cannot be considered a rich country in any way, but from the data, I was shocked to see they even have more job openings on LinkedIn than even South Africa. I think Africa has to seriously do better.
BTW l'll plea that we do not go tribal on this thread, because although I'm neither Igbo or Yoruba, apart from a few highbrow areas of lagos and to some extent Abuja, there is nothing worth visiting in any state I have been to in Nigeria.

When people look down on Poland ehn I laugh like mad!!! People don't know Poland is the 6th largest economy in the EU... Those guys have gone far!!!! Just go to the Polish embassy in Abuja and you would think it's US embassy.... everywhere choke!!! Anybody looking down on Poland don't really know what's going on

tensazangetsu20:

Why you dey laugh na

dettolgel:
Is it most that everyone will get married and procreate?

Wahala no dey finish!!! Hahahahahahaahaha

uthlaw:
olorun....there is this one that do send me half of her salary when I was school....I just lose guard aje!

Bro I swear!! You loos guard and you Bleep up big time!!! Omo those kind love them no dey see them 2 times oo

The5DME:
please bro, I need the courses too. I have a Laptop. I live around Ikeja environs.

I stay at Ajah... So if interested, you would have to locate me for the videos

Prechgold1180:
omo I don’t reason like u
And moreover I nur Dey worship white

She get sister?? As you no want am give me am!! The one I had that wanted to come to Nigeria to see me has 6 children from 3 different men!!! Omo me no gree o I jakpa!!! .... Omo if you have another one you could link me up with , it would be appreciated!!!! If she's ready to come to Nigeria that one isn't the problem....my uncle in US can fix her TP down here!

Prechgold1180:
I have one USA lady pressuring me to come to the USA so we can get married
She even offered to come to Nigeria so she can help with visa and all


I somehow declined bcus I don’t know what I ll face der
I am kinda doing well here and I have over 50 million Naira worth of investment here


So my fear is
I might ruin everything for myself if I travel and to think of it she smokes so hard

At a point I ignored and she threatened to commit suicide

Pass am give me bro!!! Na me go comot suicide for am!!! I serious o... I'll foot her bills to come here...

Damres:
Ok boss, can you please list me if there are other requirements needed for me to start making plans for ( like having some savings). Thanks

Laptop
Nepa
Software development course ( I'll provide )
Are the major thing he needs then Data ...over all na determination

OdumegwuOjukwu:
On the basis of his abduction and extra ordinary rendition, Kanu's trial is illegal.

Government should release him, pay compensation to him and his family, and let him go back to his base.

They can then follow due process in demanding extradition. Were I his lawyer, and PR team, this is the line I will tone.

Nigeria Government should not be allowed to benefit from illegality by making him go through trial, Kanu shouldn't have entered any plea except to say he was illegally brought to Nigeria.

My brother , it's the same thing his lawyers are saying if which I support... They're saying he isn't supposed to stand trial

Sonnobax15:

Thank God I've made my mind categorically clear to my present gf that if we're to eventually marry,that wedding mustn't be a MUST in her agenda.....I be confirmed traditional guyman,if you say the traditional marriage ain't enough to wife you,no worry,you go waka go front small because I no go fit chest both the billing and wahala wey dey involved in that so-called white wedding

lwkm

Ticha:
Thought I'd answer the questions in a general post

We started off with buying a 2 bedroom flat in Bristol - as our first home. We'd used all of our savings for the deposit but wanted to save up again so rented one room out to a Mon - Fri boarder. We also made some lifestyle changes - sold our 2nd car (we had 1 each), husband started cycling to work (50 mins each way) and I started taking public transport. It turned out the rent from the boarder not only paid all our bills but also covered our basic food costs. By the end of that year, we had saved quite a bit. We then both changed jobs, got paid more and decided to buy a proper family home. It turned out we had some good equity (thanks to rising house prices) in the flat and with our savings, we could afford to buy a bigger house, went to see a broker who also turned out to be a property investor and that's how our property journey started.

Thanks to his advice, we didn't sell the flat but rented it out and bought the biggest house we could afford close to transport facilities. We rented out 3 rooms and kept 2 rooms for ourselves. The rent from the 3 people paid the whole mortgage, bills and covered our food cost so we basically saved all our wages for about 18 months. We then moved to Norfolk - sold the family home and bought 2 houses in one go as we had more than enough equity to put down 2 deposits and even had change left over thanks to the equity from the sale. One in Bristol that we rented out straight away and a complete derelict house for our family home in Norfolk which we completely renovated but before we could move in, my husband got offered a transfer to New Zealand so we rented that one out and shipped out to New Zealand.

Because property is a long game, we have leveraged - so that first flat we bought in 2010 has appreciated so much we took out a deposit out of it to buy a fourth house 2 years ago as well as transferred some to New Zealand to buy our first home here too. This year, we leveraged the New Zealand house by demolishing it and building 2 new houses on the site, re-valued the 2 new ones, rented them out and bought a family home. Again, we have bought a slight larger house and airbnb 2 rooms which has a Jack and Jill bathroom and all the money from there goes into overpaying the mortgage.

The one thing we have done which is not advisable if you want to grow property quickly is that we have left all the mortgages on repayments rather than interest only cos we have also kept our full time jobs as we have no need for the income from the properties to live on now. Our plan is to semi- retire when at 50. That's 7 years away so we're making tracks to achieve that and that involves having at least 2 houses mortgage free.

We're now partnering with another couple - we've joined resources, bought a house sitting on a big plot of land and will demolish that to build 5 houses next year. We've got to the point where we can't service a new mortgage anymore because even if the house pays for itself, banks will still take your incomes into consideration for servicing so a joint venture is the way forward for now.

You do need a deposit and a reasonable credit rating - the higher the deposit, the better the interest rate and the better your credit rating, the better the interest rates as well. You also need to have a good handle on your spending as banks will usually go through your statements with a fine toothcomb. Clean your account up for 3 months before applying for a mortgage. Pay down any unsecured credit, stay away from pay day loans etc.

I have a spreadsheet for calculating if the property works financially or not. For a house you want to live in, most banks will consider 3x income and some even 4x income. Then stress test at around 5% even if interest rates are currently very very low. For a BTL mortgage, you need at least a 20% deposit, a minimum income of 25k (2 banks don't bother about minimum income but their interest rates are quite high), they expect the rent to be 125% of the mortgage payments (interest only so there's lots of wriggle room) but you need to factor solicitor costs, stamp duty of 3%-15% (compulsory on all second homes and 0% on first homes under 125k), mortgage fees, broker fees (you can get a free broker though) and survey fees.

So for a purchase of 100k, you need a 20k deposit, 3k for stamp duty, 600 ish for solicitor, 250/300 for survey costs, usually about 999 for the mortgage application fee and the rent has to be at least 375 a month for a BTL.

For your own home, a 10% deposit will do and with the new government schemes, you can even use a 5% deposit. Plus the additional costs of an owner occupier home is lower - solicitor, stamp duty if buying above 125k are the only extra costs.

Thanks to that first mortgage broker who opened our eyes to the possibilities of what we could do and achieve and for guiding us all the way through and pushing us forward even when we were hesitant.

Hope that helps.

Nice!

brownemmanuel43:
Once the money is their, or once a man can provide the basic amenities, I mean standard basic needs, the wife tolerates alot. But once their is no more or the standard basic needs are not met or diminishes, that's when the woman will bring her through colour.
I'm talking from experience, then some men are not worthy to be called men. Some are boys in men skin,

Then please what's your advice to Guys that would help in picking good women for Marriage?

kroger:
I dont understand what solksjier always play Scott and fred. It's just irritating and annoying. The poor boy donny is wasting away. I just feel like slapping solksjier right now. I am pissed and frustrated right now. Arrgghhhhhhh

Boss Kroger calm down na

Damres:
Ogami, him not wanting to go university after learning programming, I personally don't see that as a setback. In as much he's very good in it and doing great with his life.

Degree(s) doesn't guarantee one success . It's what you have in your brain that you have to offer people now pay for.

Please you gurus should help me out because I'm planning to bring him to Lagos by January and I reside at Lagos island (Sangotedo Ajah).

Thanks

Bring him to Lagos , buy him a laptop and I'll send you all the required videos he needs to become a Front end developer!!! I stay at Ajah too , ALASIA

Abbey117:
I'm currently running a an educational program (biology edu to be precise) in national open university while working as a teacher in a reputable school but I've been having issues with physics even right from secondary school then. Even when I did my semester exam I failed woefully in physics.

Now I intend to change to ECONOMICS as (that's the only alternative on their courseware that satisfied my credentials) though when I checked through the career guide I discovered it falls right into what I'm good at as I love writing creatively and my love for politics is second to non.

My scare now is the long run as education provides more job opportunity due to my experience (4years) than economics.

Also I had won an award in a debate competition for the sch and also held a management position as head which in one way or the other boost my c.v but I feel not fulfilled as individual studying education while my love for writing and politics is high

Kindly advice me

Look towards IT... I don't mean going to University to learn Computer science ooo... What I mean is make research in any of the less expensive IT field you can venture into ,get a good laptop , Get the required courses then start learning!!! I can bet you , what you will achieve after learning it in lets say 2yrs Omo people wey go school to study economics no go even see your back

bammy2050:
Hello guys

How long does it take to get Visa approved at the Portuguese embassy in Nigeria? Got an IT job in Lisbon and the company wants to sponsor my Visa.

Also, is there anyone in Lisbon that can guide me on life in Lisbon?

Did you get the job via LinkedIn??

sharone21:
As u married a lady of 28 years as virgin have you been given an award? Did it completely make u a better person, because I doubt with your words....

I hope u too were a virgin for picking that your wife if not, u simply don't deserve her.

So, by my moniker u have hurriedly calculated your assumed age for me and summarily concluded I'm wayward, abi?..

Na una type dey easily dey carried away by your physical senses instead of u to walk with God in all u do including picking a wife... I hope u have all u want in your virgin wife because Satan easily brings for your gullible type his candidates.

At least, minus 1 from Nairaland boys castigating hard working Naija ladies and looking for foreign wives. Foreign wives when dey read all the rubbish ur archaic minds put online on Nairaland as if virgin wife guarantees a successful home...Nonsense!

As you dey answer that Fool I just dey vex for you walai!!

mu2sa2:
Gombe is a nice town. Just keep your cool, you will enjoy the town. 140k in a place like that is good money and given the low cost of living you should be able to save some cool cash. In terms of security, you'll be surprised at the serenity of Gombe. I would rather live in gombe with its low security risk than a violent place like PH. Believe it or not, even Maiduguri city is much safer than most other cities in Nigeria- inside Maiduguri you don't feel any sense of insecurity.

It seems you're speaking from experience