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Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by mayo47(m): 6:44pm On Apr 09

oogheneoo567:
Please has anyone writen CIMA FLP here, I need your help

Yes, I am

Politics › Re: Longest Serving Indigenous CBN Governor by mayo47(m): 4:02pm On Jun 26, 2025

https://businessday.ng/opinion/article/should-a-central-bank-governor-be-an-economist-or-a-banker/

Please read above why a Central bank governor should be an economist

DrMB:
Leadership shapes monetary stability, and time in office often reflects trust, turmoil, or both.
From the oil boom years to the digital naira era, these are Nigeria’s longest-serving indigenous Central Bank Governors. Only one reigned over a decade.

Travel › Re: General UK Visa Enquiries - Part 5 by mayo47(m): 6:17pm On Jun 24, 2025

Please do we have an idea if a UK Standard visit visa holder (NIgeria Passport) needs a transit visa coming into the UK when travelling through Dubai with the Emirates Airline.

The standard visa isnt an evisa (still same visa vignette) but reference on the emirates website only make reference to an evisa as a requirement for the Dubai transit visa.

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by mayo47(m): 1:42pm On Jun 24, 2025*

Autos › Re: 2016 Hyundai Santafe…..foreign used by mayo47(m): 12:49pm On Jun 23, 2025

14million? Let me know if possible at this price.j

lolly24000:
Working perfectly and you aren’t going to fix anything, just buy and travel. DM now

Politics › Re: Akpabio Said ‘my Waist’ Would Make ‘good Movements’- Natasha Akpoti by mayo47(m): 7:10pm On Mar 21, 2025

Lol...Is there still quality education in Nigeria? If there's i am sure you narrowly missed it. Well, you might still be able to make for it

EXOUSIAng:
LoL You obviously read without comprehension....
Go and get a JSS1 student to break this down for you.
From your understanding even asking a woman out is probably sexual harassment... Quality Education in Nigeria is truly gone to the dogs

3 Likes 1 Share

Career › Re: What Would You Consider A Good Salary. by mayo47(m): 8:04pm On Feb 02, 2025

Lol open your eye. People even earn Billions as an employee

Mammangaddafi:
No employee earns that much in this country.

1 Like

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by mayo47(m): 9:12am On Jan 30, 2025

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by mayo47(m): 12:10am On Jan 28, 2025

This comes off as a "Safeguarding" concern. The Home Office might be investigating potential vulnerabilities or concerns about the applicant’s relationship stability or trying to confirm if they maintain a genuine relationship.

Kromium:
So after not getting a feedback after 10 weeks (after biometrics), Last week I thought of sending an email to Home Office Complaints. I received the below email in about 1hour after my sent email.

The email received

Dear XXXX,

Thank you for your application for leave to remain in the UK as a spouse.

We are wanting to safeguard and support yourself and your partner.

In order to do so, we require the following information:

How is Ms XXXX current mental health?

Is Ms XXXX currently taking any medication or undergoing any treatment for her mental health?

If yes. please list any prescribed medication and dosage.

What are the details of Ms XXXX UK GP including address & phone number?

Please respond to this email as soon as possible.

Once this information has been received, we will be able to pass the case back to the Decision Maker to continue with the consideration.

For Context see question in the my application:

Q: Are there any factors which would make it difficult or impossible for you to integrate and establish a private life in that country?

A: Yes

Please explain fully

A: Yes, the time it might take to secure a full time job, the language barrier as well as the mental health effect it will have on my partner

This is the only mention of "mental health" in the application.

Travel › Re: Living In The UK: Property,Mortgage And Related by mayo47(m): 10:39am On Nov 10, 2024

Even if she bought it before we got married?

deept:
No, you are not classified as first time buyer since your partner already has a house. You will be required to pay the higher rate stamp duty.

Travel › Re: Living In The UK: Property,Mortgage And Related by mayo47(m): 11:27pm On Nov 09, 2024

Yes, i can with my financial standing. No plans to buy together

Lexusgs430:
Do you intend to buy together or your financial standing, could get you a mortgage........

Travel › Re: Living In The UK: Property,Mortgage And Related by mayo47(m): 11:06pm On Nov 09, 2024

Not sure i understand "Can you buy ....." I have the deposit for 10%

At the moment, there are no plans to sell her property to combine forces

Lexusgs430:
Can you buy a property with your standing.....

Is she selling her property, to combine forces......

Travel › Re: Living In The UK: Property,Mortgage And Related by mayo47(m): 9:53pm On Nov 09, 2024

Hi All,

Thought i should confirm if one loses a first time buyer scheme opportunity upon marrying a partner who owns a property via her FTB. Will be great to confirm. Many Thanks

Business › Re: Dangote’s Wealth Doubles To $28 Billion On ‘monster’ Nigeria Oil Project by mayo47(m): 1:57pm On Oct 18, 2024

This scenario will only be a reality in 20 to 30 years. However, there could be a growth of fossil fuel cars mainly targeted towards developing countries like India, Nigeria etc. And this could lead to growth of local car manufacturing companies. Because Nigeria has attained the stage of EV usage. This narrative is likely to remain the same for the next decade.

AutoManual:
I still think it's too late for mega refinary project.

Combustion engine is on the last stage of it peak. No world billionaires will build a mega refinary at this time as they consider future and long time projects.

In the next 20-30 years combustion engine will likely phase out in developed world. In places like China recharge cars, scooter, truck and bike has already taking over.

In Nigeria for example we don't buy new cars, instead we buy used cars from develop world. What this means is whatever they use is what we buy

If they complete stop combustion engine and move to electric it only means on the next 5 to 10 years those cars will end up here. So there is no future in oil.

Dangote should think about making engine oil and other products in other to recoup money wasted on that refinary on time.

Travel › Re: Living In The Uk-life Of An Immigrant (part 3) by mayo47(m): 3:20pm On Oct 13, 2024

Zahra29:
Congratulations 🎉 Glad to hear it worked out.

It's a good idea to apply early, but it doesn't matter if you get a response before your PSW expires. As long as you make your an in-time application, your current visa will remain valid.

Edit - you should doublecheck the expiry date of your PSW visa. I suspect 31 Dec is the generic expiry date of your BRP due to the eVisa migration, and not the actual end date of your visa.

Politics › Re: Rivers LG Election Results: APP Wins 22 Out Of 23 Chairmanship Positions by mayo47(m): 11:14am On Oct 06, 2024

No need for this, Bill establishing Inec need to be modified so it can take control over local govt elections from state govt and thus establish the independence

ObosiLandlord:
Everybody already knows this is how it will end, even Wike himself knows.

Anybody that's not happy should go to court

The Senate must fast track the bill that will make a new federal agency be in charge of holding LG elections all over Nigeria

Travel › Re: Awka Fun City Gradually Taking Shape(video& Photos) by mayo47(m): 12:26pm On Sep 10, 2024

Soludo no longer Soludoing cry

Ebubu:
White elephant project. This is not the need of Anambra state. This is supposed to be private sector driven. Government has no basis to be engaging in building hotels or recreation center. Is thriving landmark owned by govenrment? Some things are better left for private sector

Anambra's single lane and dilapidated, narrow roads need to be dualised. Tiny one lane roads yappa for Anambra state. And they're not even tidy .

Politics › Re: Senator Akpabio Flags Off Construction Of Kugbo Bus Terminal by mayo47(m): 7:11am On Jul 03, 2024

In 2024, Nigeria is still flagging off bus terminals. Nigeria still living a world of 1970s. This should be a responsibility of the Local govt. Nigeria cant experience development unless they are fully independent

Dannupawa:
…COMMENDS WIKE’S CONCERN FOR RESIDENTS, ACHIEVEMENTS IN THE FCT

2 Likes

Politics › Re: Those Who Criticize Desmond Elliot Are Praising Peter Obi by mayo47(m): 6:00pm On Apr 10, 2024

Obviously, you're unintelligent. Obi isn't in government. Thus, owes no one how he spends his money. Obi isn't in gov while the other is in govt.

tollyboy5:

If hypocrisy was a person lol

Jobs/Vacancies › Re: Do You Regret Leaving Your Lucrative Nigerian Job For Abroad Menial Job by mayo47(m): 8:46pm On Mar 25, 2024

Kevineleven:
The man wants to earn more and he will, age is just a number, unless he is sick.
If you like settle for less, na you Sabi.

He will earn more and also spend more. Surprising, most think don't think of the expenses

Jobs/Vacancies › Re: Do You Regret Leaving Your Lucrative Nigerian Job For Abroad Menial Job by mayo47(m): 8:44pm On Mar 25, 2024

SeniorGee:
Nope, I earned my yearly salary in 2weeks. If you're not lazy, you will make it. Nothing like menial jobs, there is dignity of labour here. Its challenging but you can do it...

Don't you also spend your 9ija yearly expenses in 2 weeks ?

1 Like

Politics › Re: Peter Obi Hails Tinubu For Adopting Oronsanye Report by mayo47(m): 7:20pm On Feb 28, 2024

Definitely an illiterate here

blamingthedevil:
God Bless President Bola Tinubu

Subsidy on Fuel gone✓
Forex Subsidy gone✓
Student Loan Ready ✓
Oronsanye Report implemented ✓
State Police✓
69% Increase in Revenue to three tiers of Govt✓
World Best Performing Capital Market ✓
World Best growth in GDP✓
2000 Tractors Per Year✓
Lagos Calabar Super Highway awarded ✓
Youth unemployment Benefits ✓
Porthacourt - Maiduguri Railway Ongoing ✓
Enugu-Onitsha almost Completed✓
Abuja - Kano Expressway ongoing ✓
Kaduna - Nigeria Railway Ongoing ✓
Third Mainland Bridge ✓
and thousands of projects

Politics › Re: List Of All The Unions That Have Directed Their Workers To Go On Strike by mayo47(m): 2:00pm On Nov 14, 2023

Tremendous effort? The misuse of words sometimes. Guess it make some have good stomach feelings. What has been BAT "tremendous" effort. I will understand if you only said with his effort without the use of the word "tremendous"

CoronaVirusPro:
Hunger will reset those employees.

30 days max! They will resume work by themselves.

Despite the tremendous efforts of His Excellency, President Asiwaju Bola Ahmed Tinubu (GCFR) in piloting the nation to greater heights, it is saddening that, the local institutions within the territory of Nigeria are sabotaging his efforts.

Politics › Re: Nigeria, Others Ask IMF, World Bank For Debt Relief by mayo47(m): 10:11am On Oct 12, 2023

Very wrong. Debt to GDP has always been sold by the media but the most important is actually the debt to revenue

004gist:

our debt to GDP ratio is the smallest in the world... we can still borrow, there is no problem.

after all America is indebted in trillions of dollars finance minister under Buhari..

see their life

worst is that 70% of this money end up in private pocket

Politics › Should A Central Bank Governor Be An Economist Or A Banker? by mayo47(op): 8:53pm On Oct 05, 2023

In the past seven years, Nigeria has seen minimal economic growth, averaging less than one percent annually. This slow growth is insufficient to keep up with the population increase, which is slightly over three percent. Furthermore, inflation is high, currently standing at 24 percent, making it one of the highest in Africa.

The Nigerian Naira has faced persistent depreciation, with a nearly 75 percent depreciation in 2023 alone. This depreciation puts pressure on local prices, particularly in light of subsidy and foreign exchange reforms, contributing to inflation.
Both businesses and individuals have suffered due to the poor economic conditions, leading to a decline in the quality of life for Nigerians. Businesses are grappling with mounting foreign exchange losses, which are eating into their profit margins. For example, Airtel Africa reported substantial losses of $151 million due to currency devaluation.

The current state of Nigeria's economy has raised questions about the backgrounds and performances of its central bank governors, both past and present. According to research from Cambridge, 83 percent of central bank governors globally hold at least a degree in economics, with only 47 percent holding Ph.Ds in Economics. In Nigeria's case, 50 percent of its governors have had a background in economics, either holding degrees and/or advanced degrees in the subject or having worked as economists.

Among Nigeria's past governors, only Dr. Clem Isong and Prof. Chukwuma Soludo held Ph.Ds in Economics. They are widely regarded as having had the best performances in terms of managing key economic indicators during their tenures. Dr. Isong's achievements were honored with his portrait appearing on Nigeria's N1000 currency note in 2005, three decades after his tenure.

Examining the career paths of these governors, six of them began their careers at the Central Bank of Nigeria (CBN) or spent several years working at the CBN before becoming governors. In contrast, three governors previously served as Managing Directors of banks, and only Chukwuma Soludo did not fall into either category.

Notably, over the past 19 years, none of the appointed CBN Governors who served full terms came from within the CBN system; they were all appointed from outside. This marks a departure from the historical practice, as only Joseph Sanusi, during Nigeria's democratic dispensation starting in 1999, rose through the ranks from within the CBN.

During the tenure of CBN Governor Godwin Emefiele, Nigeria witnessed one of the most severe depreciations of the Naira against the US dollar in the official foreign exchange market since the country's return to democratic rule.

These challenges and criticisms during Emefiele's tenure highlight the complexities and expectations associated with leading the Central Bank of Nigeria, particularly during a period of economic volatility and currency depreciation. The appointment of a non-economist and non-central banker to such a critical role brought both scrutiny and questions about the direction and effectiveness of monetary policy during his tenure.

Critics of the past leadership at the Central Bank of Nigeria (CBN) have highlighted the absence of economists in leadership roles as a factor in some of the controversial decisions made in recent years. This is reflected in policies that have led to divergence between CBN rates, Open Market Operations (OMO) rates, and Monetary Policy Committee (MPC) rates, creating an unconventional mix compared to the norms in many countries.

The composition of the Monetary Policy Committee (MPC) is a critical aspect of central bank decision-making. The MPC typically includes the central bank governor as the chairman, the four deputy governors of the bank, two members of the bank's board of directors, three members appointed by the president, and two members appointed by the governor.

Independent members of the committee are expected to provide a balanced perspective during votes on key policy decisions. However, in a committee where more than half of the members with voting powers are part of the central bank's management team who often have backgrounds in commercial banking, there can be concerns about the independence and objectivity of monetary policy decisions.

Dr. Olayemi Cardoso's nomination for the role of Governor of the Central Bank of Nigeria (CBN) has raised questions about his potential policy direction, given that he is not as publicly visible as some other economists. However, there are certain aspects of his background that provide insights into what his approach might be.

Dr. Cardoso has a diverse background, with experience in both the private and public sector as a former Commissioner of Budget and Economic Planning. This combination of private and public sector experience could provide him with a strong understanding of macroeconomics, making him, in a sense, an economist by experience.

In summary, the success of his tenure will likely depend on his ability to operate independently and execute policies that align with the central bank's mandates. Additionally, defining and measuring performance targets for the central bank governor could enhance accountability and transparency in evaluating their performance.

The governor’s background of an Economist by experience can’t be seen with most of the deputy governors. Central banking is about macroeconomics, not just banking. I don't think it's a fluke that the periods when Nigeria's Central Bank supported growth the most were the periods when we had 2 economists as Central Bank Governor.

It seems that in Nigeria, we have a tendency to equate commercial banking with central banking. However, this couldn’t be further from the truth. Someone does not comprehend monetary policy or the promotion of macroeconomic growth simply because he is connected enough to mobilise deposits at lower interest rates and turn these deposits into loans at higher interest rates. A commercial banker serving as CBN deputy Governor would also have the potential for divided loyalty when regulating commercial banks or his former employers.

Finally, I believe the most important task for the new CBN governor will be to resolve Nigeria’s foreign exchange (FX) harmonisation and to restore better functioning to the Investors and Exporters (I&E) window.
Nonetheless, it is essential that Nigeria does proceed with FX reforms as well as Cleaning up the CBN’s balance sheet to the extent to which it got involved in lending in the economy will also be key.

The above objective will require a Central Bank governor that has a high qualification level predominantly in economics, an insider experience associated with the prevalence of central banking, thorough understanding of monetary economics as well as work towards a better collaboration between the fiscal and monetary authorities.

Mods please move to FP. @Seun @ednut1

Sports › Re: Morocco, Portugal And Spain To Co-Host 2030 FIFA World Cup by mayo47(m): 5:39pm On Oct 05, 2023

How?

saintbillion:
We senior them na. We're the giant of Africa

Politics › Re: Wally Adeyemo To Visit Nigeria by mayo47(m): 10:55pm On Sep 13, 2023

Empty headed Ngozi?? Mos def you're not okay

Ofemmanu1:
ADEYEMO..
Omo Oodua, Omo Amala ati Ewedu..

no be empty-bloated Ngozi.

US govt is really Impressed with Jagaban.

Dubai Govt sef no carry last, everyone wan associate with Jagaban.

The future is green for Nigeria and Nigerians.

All enemies of Nigeria can go to hell.

Politics › Re: Fresh Revelation On Why Tinubu Made Gbajabiamila CoS - Daily Sun by mayo47(m): 2:06pm On Sep 07, 2023

I understand the Chief of Staff is quite an influential position but its wrong to say he's the No.4 man. Where's the Senate President, Speaker of House of Rep and their deputies even the Chief Justice of Federation. These are elective positions are more important than the Chief of Staff

Islie:
https://sunnewsonline.com/fresh-revelation-on-why-tinubu-made-gbajabiamila-cos/

Politics › Re: Nigeria Offers The Best Returns On Investment - Tinubu Tells Indian Investors by mayo47(m): 12:30am On Sep 07, 2023

What has he delivered? Not sure you know the meaning of "delivering"

AllenSpencer:
Asiwaju is always delivering!

He has perfected ways to always win!

Politics › Re: Why Nigeria’s Refineries Will Never Work – Obasanjo by mayo47(m): 10:38am On Sep 05, 2023

The process of sales and the dynamics of the market is the problem . Despite PHCN sale, the govt still hold 40% in discos thus the private investors were not free to make significant decisions without the govt input.

GeneralPula:
I’m just concerned about that will it help matters?

Nepa was sold. Was there any significant change since then?

1 Like

Romance › Re: Can A Man Earning 6k Daily Marry In Abuja? by mayo47(m): 1:35pm On Aug 31, 2023

120k excluding weekends. Does he work all weekends? Its not healthy to assume he works everyday. If he does he might use the money he makes to take care of himself.

If he makes 120k, abeg use the money to partly learn a very a marketable skill within 1 year. After this step, you can continue with side job on the side with the 120k. Then you can evfen decide to marry because your situation will very likely change in the future because of the skill

NB: Marketable skill is relative. Look at verifiable website to find out what people are looking for. Go to Coursera and Udemy and the rest will be history

izonborn098:
180k monthly is a good cash to start family'' but nigeria economy is not stable and the most important part is' this woman you are about settle down with does she has the understanding' patience and also know the importance of marriage..
If i were u and maybe if you are under 30' i would have use another 1 to 3years to save some money so that you can use the cash to setup another business and add that one to ur present salary' by so doing you will have confident in ur dealing...
Another important factor is ur location e.g house rent and other basic things you buy everyday for survival' do you think your income will withstand such plus another person... For now you are single and you have the chance to create more opportunities for urself...
Marriage is a life time journey so you need to be good in your calculations...
If people who drive taxi and keke can settle down'' you can also will.. Life no too hard when there is understanding..

1 Like

Politics › Re: Coup: Society Is Changing, Politicians Must Blend With Change- Goodluck Jonathan by mayo47(m): 6:45pm On Aug 30, 2023

Nigeria will struggle to develop and grow at the grassroot level until local government become truly independent

madridguy:
The best coup that can happen in Nigeria is we the citizen against the rulling class.

Gen. Sanni Abacha is dead but till today Nigeria is still going around to bring back his loot kept in different part of the world.

We Nigerians, our first mission must be against our states governors. These people are our biggest obstacles to our development. We Nigerians must wrestle the local governments full autonomy away from the states governors.

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