₦airaland Forum

Marchman:
Why Nigerians Pray

By Julius Ogunro



https://www.thecable.ng/why-nigerians-pray

Truths9ja:
CAC members join the trending challenge: We don’t wear trousers


https://www.youtube.com/watch?v=En-qth_W6G0?si=AoS1fD4wqWaTcc4V

Interesting15:
by Sunday Akanni


https://www.youtube.com/watch?v=9hiNAIVswGY




https://www.instagram.com/p/C1yjYw7IkE7/?igsh=MzRlODBiNWFlZA==

Irony1:
Eyah you are a frustrated man.go and get a decent job I am not responsible for your frustration, and the fact that your father abandoned you and you grew up in a brothel.

Odewaleadesoye:


DAILY POST

Irony1:
You are so frustrated.

HonNL:
SOURCE

GoodRocks:
Sadly Tinubu didn't give this guy appointment after all his asslicking.

Yul edochie is currently asslicking the drug lord for a juicy appointment. Unfortunately, the same fate awaits him, he'll be ignored by the drug lord

Modified: if you quote me to say rubbish, you'll be ignored. Make sure your Brain is intact before quoting me

Irony1:
You are the one trying to do mudslinging. Oga stop being dense abeg.

Irony1:
You are the one trying to do mudslinging. Oga stop being dense abeg.

Irony1:
stop this show of imbecilic density

Randal:
Hello, it's not news that we're in a new year and we all have desires to start something to make money.

I have 200k and I don't know where to put it and make good profits.

Please give Me ideas.

Trustmea:
That guy don't even know the meaning of the word he used in describing Genevieve. He is just confusing the readers

Irony1:
You are the one trying to do mudslinging. Oga stop being dense abeg.

money121:
If you are the poorest amongst your siblings or not doing well financially, avoid family gatherings until you have money - Nigerian lady says

Lolo Nneka Obani Wrote on her Wall:


If you know you are the poorest amongst yoursiblings or you aren't doing well financially, l recommend that you avoid family occasions or gatherings until you have money. If you must attend, kindly sit at a corner like a visitor.
Let the people that are serving the food and souvenir serve you like one of the guests, so you don't end up embarrassing yourself.
Do not go close to where the food and drinks are being served, sit at a corner and observe. Stop setting yourself up for insults.

Source: https://gistmeloveblog.com/if-you-are-the-poorest-amongst-your-siblings-or-not-doing-well-financially-avoid-family-gatherings-until-you-have-money-nigerian-lady-says/

TruthsFM:
In Nigeria, 5 Habits That Can Make You Go Broke

In the intricate dance of personal finance, individuals often find themselves grappling with habits that, unwittingly, lead them down the precarious path of financial instability. The choices we make in our daily lives, particularly concerning money, play a pivotal role in shaping our financial futures.

This exploration centers on a critical aspect of financial well-being — the five habits that, if left unchecked, can pave the way to financial hardship. Understanding and dissecting these habits is not merely an exercise in financial literacy; it is a proactive step towards cultivating a resilient and secure financial foundation.

Impulse Spending:
Impulse spending is a pervasive habit that can significantly contribute to financial instability. This behavior involves making unplanned purchases without careful consideration of the consequences. Whether it’s succumbing to the allure of sales, purchasing items just because they are trendy, or engaging in retail therapy, the financial impact of impulse spending can be profound.

Many people find themselves swayed by the momentary satisfaction of acquiring something new, only to face buyer’s remorse later. This habit can erode savings, increase credit card debt, and hinder progress towards long-term financial goals.

To combat impulse spending, individuals need to cultivate self-discipline and create a realistic budget. Tracking expenses, prioritizing needs over wants, and implementing a waiting period before making significant purchases are effective strategies. Developing a mindful approach to spending can help break the cycle of impulsive financial decisions.

Living Beyond Means:
Living beyond one’s means is a habit that involves spending more money than one earns, often leading to a reliance on credit cards, loans, or other forms of debt. This can create a precarious financial situation with long-term consequences. Maintaining a lifestyle that exceeds financial capabilities not only depletes current resources but also jeopardizes future financial security.

Individuals living beyond their means may struggle with debt repayment, incur high-interest charges, and find it challenging to save for essential goals such as homeownership or retirement.

To address this habit, individuals must conduct a thorough assessment of their income, expenses, and financial goals. Creating a budget that reflects a sustainable lifestyle is crucial. This involves distinguishing between necessary and discretionary expenses, cutting back on non-essential spending, and developing a savings plan. Living within one’s means requires a shift in mindset, emphasizing financial responsibility and long-term stability over immediate gratification.

Lack of Emergency Fund
Failing to establish and maintain an emergency fund is a habit that can leave you vulnerable to financial crises. Unexpected expenses, such as medical bills or car repairs, can arise at any time, and without a financial safety net, individuals may resort to borrowing money or accumulating debt. Building an emergency fund that covers three to six months’ worth of living expenses provides a financial cushion and helps prevent going broke during unforeseen circumstances.

Ignoring Budgeting:
Ignoring budgeting is a perilous habit that can set the stage for financial turmoil. Budgeting serves as the financial roadmap, guiding individuals toward their financial goals by providing a clear understanding of income, expenses, and savings.


When this essential tool is neglected, individuals lose control over their spending patterns, making it difficult to allocate funds effectively. Without a budget, it becomes challenging to distinguish between necessary and discretionary expenses, leading to a potential overspending trap.

The consequences of ignoring budgeting extend beyond the immediate impact on one’s spending habits. Without a well-defined budget, individuals may overlook opportunities to save for future goals, whether it be an emergency fund, a down payment for a home, or retirement. The absence of financial planning can leave individuals vulnerable to unexpected expenses, pushing them into a cycle of reactive financial decision-making, often resorting to credit cards or loans to cover immediate needs. Over time, this can result in mounting debt and a compromised financial future.

Furthermore, the habit of ignoring budgeting can hinder the development of financial discipline and awareness. A budget not only provides a snapshot of one’s financial health but also encourages thoughtful consideration of spending priorities. Without this tool, individuals may find it challenging to make informed choices about their money, leading to a lack of accountability and a higher likelihood of succumbing to impulsive spending behaviors. Embracing budgeting is not just about managing money; it is a foundational step toward building financial resilience and achieving long-term financial success.

High-Risk Investments:
Engaging in high-risk investments is a financial habit that, if not approached with caution, can lead individuals down a path of significant financial loss. High-risk investments typically involve the potential for high returns but come with an equally elevated level of uncertainty and volatility. This habit often manifests as a desire for quick and substantial gains without due consideration for the associated risks. Investing without a clear understanding of the market, risk tolerance, and diversification strategies can expose individuals to the possibility of losing a substantial portion, or even all, of their invested capital.

The allure of high-risk investments is often fueled by the prospect of rapid wealth accumulation. However, the reality is that the markets are inherently unpredictable, and high-risk ventures can be subject to extreme fluctuations. Without a comprehensive understanding of the specific investment and market conditions, individuals may find themselves susceptible to emotional decision-making, such as panic selling during market downturns. This emotional response can exacerbate financial losses and, in extreme cases, lead to financial ruin.

To mitigate the risk associated with high-risk investments, individuals should prioritize financial education and seek professional advice. Diversifying one’s investment portfolio and aligning investment choices with a realistic assessment of risk tolerance and financial goals can provide a more balanced and resilient approach to wealth accumulation. The key lies in informed decision-making, strategic planning, and a long-term perspective that considers the potential for both gains and losses in the dynamic landscape of financial markets.


https://www.osundefender.com/5-habits-that-can-make-you-go-broke/

Ajehkpako4naija:
Having multiple girlfriends and alcohol

TruthsFM:
Wow, what a great advice here

LooneyLester:
She's autistic



I've saw her medical records at the John Hopkins

GuruboiNaija:
https://.ng/2024/01/01/new-year-tinubu-promises-new-minimum-wage-for-workers/

thesicilian:
Funny name. Her nose actually resembles that of a kiwi bird - long and flat.

DamnnNiggarr:
Peter Obi

jumokeadele:
all your points are valid especially the prepaid meter, but one thing i've realised recently is that the masses will soon start solving their own problems by their self. I know about 5 people that now use solar full time, I was also involved in tracking a kidnap case of a friend's younger brother that we had to trace the victim by ourself using some powerful tech devices and software, we didn't get the exact location , but we tried and we informed the police and the fished her out. But if there wasn't mtn network in nigeria, we wouldn't be able to do anything to safe that young girl.

So my point is that , first thing first, almost every country in the world today now use powerful cctv cameras to track crime. either it will work or not, either the government use it to track victims or not , the government does not have any excuse of not installing cameras in this 21 century. And trust me when the time comes the masses will solve their problems by their self but the government will have to play their own part first.

if the government Install 2million cameras in the north today, before you know it , the people will continue with that model and new tech security companies will emerge to protect the people at a certain price. POS business emergence today is because the government gave licenses to fintech.

Irony1:
Dude once again if you don't have sense to make an intelligent comment just keep quiet.

jumokeadele:
well it doesn't stop the fact that only tech can solve security problem in Nigeria, there's no point trying to debunk it. No matter how small they want to start it , if it is by starting with the database and bio-data as you mentioned, or mounting cctv at every part of the country , including drons everywhere. These will still go along way to solving the problem.

jumokeadele:
Try to google the land mass of canada , then compare it to nigeria , then check the population of canada . If you do any how in those country, trust me camera will carry you

jumokeadele:
Put cctv camera everywhere like other countries , only tech can solve security problem

TylerDurden:
POWA,being the owners of the building complex, had earlier duly issued quit notices to their tennants and communicated clearly that they intended to renovate and remodel the building owing to its derelict state.

The tenants, under a trade union association , took the landlord to court seeking not to be evicted despite the owners having plans for their own building.

The court ruled in favour of the landlords (POWA) who will later give the tenants up till December 31st to evict the building -this was about 2 weeks ago.

In a trending video made by one of the affected tenants who spoke in Ibo, he was captured saying that the state government demolished a federal building.

These people and their lies.

Never ever take anything that comes out of their mouths as facts.


They knew the dispute was between them and their landlord but they still wanted to make it an ethnic issue.

I have had several runnings with them and I know how they can easily slander and make false accusations and allegations against someone.

Irony1:
It is not by force to talk if you have nothing sensible to say.

kenevision:
Today, Mr Peter Obi visited Onitsha Prisons to celebrate the End-Of-Year Thanksgiving Mass with them. Here are some pictures from the event.