₦airaland Forum

modified

08079928334
www.microcred.org
dmichael@microcred.org
Kaduna, Nigeria

We can manage your protfolio from anywhere.


Term Deposits
Tenor 1 Month 3 months 6 months 9 months 12 months
Interest 8% 8% 10% 12% 14%
Capitalization
By the end of tenor
Minimum deposit to open an account
NGN 100,000
Maximum deposit
No limits
Additional deposits during the tenor
applicable
Penalty for pre-mature closure of account
Deduction of 20% of actual interest for ≥70% of maturity

Deduction of 30% of actual interest for <70% of maturity
AML check
For lump sum deposits≥ NGN1,000,000

hi

hi

hi

Thanks for this post IK. I was actuaLLY ALMOST FEEELING DEPRESSED FOR THE COUNTRY!

This gives me some glimmer of hope.
@ poster, thank you once more, i'm feeling better!!!

WHEN A WOMAN PIERCES A MAN’S HEART!
Generally a man is born timid, non-differentiated from the opposite sex and very much a softy like every baby. Over time his hard and harsh side begins to show. I’m sure lots of people will think it’s the hormones that kick in and make the differentiation, but I say nay, I have another theory. It takes a woman to harden a man!
Most times when ladies come across players, pimps and heart-breakers, they tend to think it comes with the territory (i.e. being a man), but that’s absolutely not true.
SEX
A man knows only as much of sex as he has had. The more he diversifies and experiments the more his libido increases and the quest for more conquests escalates. So permit me to theorize as follows:
1. Sexual desires of a man who has had sex with only one woman = The total sexual capabilities of that single woman
2. Desire for sex => (His Total sexual experiences + His Fantasies)
3. A sexually active man desires sex every 1.5-2days sustainably.
It means a man can have sex every alternate day. It also means when you get married and he has to live very far away on business or other trips he will most likely cheat on you if the time frame exceeds 2 months.
Exceptions
I must be frank enough to point out that exceptions to the rule exist for a normal healthy man when:
a. He is 100% sure his spouse will be faithful
b. He is strongly involved in religious activities to the extent of at least 4 times a week
c. He is sure to return home after the exact completion of the given time frame (therefore it is safe to theorize that a soldier who has had his tour of duty extended might not hold fast to his celibacy anymore)
4. A man who strongly suspects his spouse of cheating will most probably cheat on her even if he can’t confirm it.
5. If he isn’t getting some and he is not complaining then he is definitely getting some
6. A player thinks he can get almost any girl, and he does.
This is not voodoo, he believes in his capabilities and exudes it as confidence. This confidence makes him persist with sure cockiness, and girls love men who know what they want, simple.
7. A man knows when a woman is cheating on him even if he acts like he doesn’t.
Reasons for his actions include <he has no proof <he has no sufficient proof <he has proof but does not want to lose her <he is also cheating on her< he wants to serve it to her on a later date. You know what they say about revenge. Some say its best served when cold< or he loves her too much and would rather act the fool.

THE MAKING OF A PLAYER
STAGE ONE
The story of every player, love-vendor and heart breaker begins with one woman. Yes, one single woman. He wakes up one day in his child-like innocence and places all his bet in one woman. He puts his freshly laid bare-brained eggs in one basket. He trusts, loves and adores this one woman. And the woman gives him the same impression. He is fooled.
All his friends had told him earlier that he was being played, his intuition told him she was definitely playing him for the fool- but he blocked his ears like the adder that refused to listen to the snake charmer!
Men are capable of loving only once in a very long while. That’s why a man could still be in love with his wife and still be cheating on her (write-up for another day!).
Now when this one time trust, love or emotion (whatever you call it) gets broken, he goes into a long withdrawal. He then proceeds to heal from a broken heart for a long period of time. If he meets any woman within this healing process she becomes to him what we classically call ‘the rebound’.
STAGE TWO
The rebound serves as the harbinger of things to come. She is the cross-over SUV he uses to forget his first Porsche and acquire his next one thousand utility vans. He treats her shabbily because he is still hurt and she thinks ‘he will come off it’ and other stuff like ‘I need to be soft on him after all he has been through’.
But her taking little and giving too much prepares the ground for the player transformation.
STAGE THREE
He loses his rebound.
She has put up with too much shabbiness and she has had it. And she quits. He is not heart broken any more. But he misses his ex.
STAGE FOUR
He goes after his Porsche.
He thinks he misses her so much and he would do almost anything to have her back. He begins to stalk her in the office, at home; he calls all their mutual friends and acquaintances to help him beg. He buys lots of gifts and roses. She stores his name on her phone as ‘stalker’.
But the pressure is so much that she gives in to him. She muses, after all it’s a mountain I’ve climbed and a river I’ve swam.
STAGE FIVE
He breaks her heart.
Discovering she was not worth all the trouble and she definitely does not thrill him like she used too, he ups and leaves. She is stunned. Unbelievable! But her consternation thrills him.
STAGE SIX
The player is born!
He learns from his mistakes.
1. He needs to be nice in order to get and keep a woman (lessons from a lady called rebound)
2. He is scared she might break his heart first (lessons from a lady called Porsche)
3. He exercises power when he walks away first (Porsche, the reborn)
4. He can have more when he makes no commitments and takes no prisoners (lesson from the SUV cross-over)
By mikedanza © 2010

@Poster, this is too general and not fair on ladies that have been faithful and supportive, reponsible, caring etc (that is not to say there are no lots of naija chicks who are out just to chop a guy!)

WHEN A WOMAN PIERCES A MAN’S HEART!
Generally a man is born timid, non-differentiated from the opposite sex and very much a softy like every baby. Over time his hard and harsh side begins to show. I’m sure lots of people will think it’s the hormones that kick in and make the differentiation, but I say nay, I have another theory. It takes a woman to harden a man!
Most times when ladies come across players, pimps and heart-breakers, they tend to think it comes with the territory (i.e. being a man), but that’s absolutely not true.
SEX
A man knows only as much of sex as he has had. The more he diversifies and experiments the more his libido increases and the quest for more conquests escalates. So permit me to theorize as follows:
1. Sexual desires of a man who has had sex with only one woman = The total sexual capabilities of that single woman
2. Desire for sex => (His Total sexual experiences + His Fantasies)
3. A sexually active man desires sex every 1.5-2days sustainably.
It means a man can have sex every alternate day. It also means when you get married and he has to live very far away on business or other trips he will most likely cheat on you if the time frame exceeds 2 months.
Exceptions
I must be frank enough to point out that exceptions to the rule exist for a normal healthy man when:
a. He is 100% sure his spouse will be faithful
b. He is strongly involved in religious activities to the extent of at least 4 times a week
c. He is sure to return home after the exact completion of the given time frame (therefore it is safe to theorize that a soldier who has had his tour of duty extended might not hold fast to his celibacy anymore)
4. A man who strongly suspects his spouse of cheating will most probably cheat on her even if he can’t confirm it.
5. If he isn’t getting some and he is not complaining then he is definitely getting some
6. A player thinks he can get almost any girl, and he does.
This is not voodoo, he believes in his capabilities and exudes it as confidence. This confidence makes him persist with sure cockiness, and girls love men who know what they want, simple.
7. A man knows when a woman is cheating on him even if he acts like he doesn’t.
Reasons for his actions include <he has no proof <he has no sufficient proof <he has proof but does not want to lose her <he is also cheating on her< he wants to serve it to her on a later date. You know what they say about revenge. Some say its best served when cold< or he loves her too much and would rather act the fool.

THE MAKING OF A PLAYER
STAGE ONE
The story of every player, love-vendor and heart breaker begins with one woman. Yes, one single woman. He wakes up one day in his child-like innocence and places all his bet in one woman. He puts his freshly laid bare-brained eggs in one basket. He trusts, loves and adores this one woman. And the woman gives him the same impression. He is fooled.
All his friends had told him earlier that he was being played, his intuition told him she was definitely playing him for the fool- but he blocked his ears like the adder that refused to listen to the snake charmer!
Men are capable of loving only once in a very long while. That’s why a man could still be in love with his wife and still be cheating on her (write-up for another day!).
Now when this one time trust, love or emotion (whatever you call it) gets broken, he goes into a long withdrawal. He then proceeds to heal from a broken heart for a long period of time. If he meets any woman within this healing process she becomes to him what we classically call ‘the rebound’.
STAGE TWO
The rebound serves as the harbinger of things to come. She is the cross-over SUV he uses to forget his first Porsche and acquire his next one thousand utility vans. He treats her shabbily because he is still hurt and she thinks ‘he will come off it’ and other stuff like ‘I need to be soft on him after all he has been through’.
But her taking little and giving too much prepares the ground for the player transformation.
STAGE THREE
He loses his rebound.
She has put up with too much shabbiness and she has had it. And she quits. He is not heart broken any more. But he misses his ex.
STAGE FOUR
He goes after his Porsche.
He thinks he misses her so much and he would do almost anything to have her back. He begins to stalk her in the office, at home; he calls all their mutual friends and acquaintances to help him beg. He buys lots of gifts and roses. She stores his name on her phone as ‘stalker’.
But the pressure is so much that she gives in to him. She muses, after all it’s a mountain I’ve climbed and a river I’ve swam.
STAGE FIVE
He breaks her heart.
Discovering she was not worth all the trouble and she definitely does not thrill him like she used too, he ups and leaves. She is stunned. Unbelievable! But her consternation thrills him.
STAGE SIX
The player is born!
He learns from his mistakes.
1. He needs to be nice in order to get and keep a woman (lessons from a lady called rebound)
2. He is scared she might break his heart first (lessons from a lady called Porsche)
3. He exercises power when he walks away first (Porsche, the reborn)
4. He can have more when he makes no commitments and takes no prisoners (lesson from the SUV cross-over)
By mikedanza © 2010

To write the GMAT u need like 250 dollars for registration (Only two centres in Nigeria, the last time i wrote- Lekki and Abuja). U also need to buy books (GMAT books like Kaplan etc) to prepare. Then do online tests.

U also need to start online applications to the schools u want. U can update your scores later.

Top schools like Wharton, INSEAD, Yale, Cambridge, Harvard, IMD, etc usually require work experience except, if u can score a very ridiculous mark in your GMAT (600+ and above can do)!

Usualy when u score very high, top schools will begin to write u on their own (selcet the option to allow sharing of your scores with partners etc)

The total score (called a perfect score) is 800. But if you can click 600 and above then there is hope for you. Else your chances for a very top school is limited. (other lower MBAs might)

I went to Hult Int'l Biz School (BOston, London, Dubai (was here) and Shanghai Campuses). But I left after a short stay due to the world economic meltdown. The essence of an MBA is to get a high paying job after graduation (around 70-100k dolls or more is the usual target- but to get that high u generally need to have been exeperienced).

U can mail me on for more info. No fees required, thank you! (pls do not flood my mail box with spam O! I jus wan help)

Try Hult international biz school.

Inthe north, it's possible to get married with nothing (believe me very very honestly when i say nothing- ) The girls family, if well to do or not, usually gives her an accompanying dowry - Furnihings for ur living room, kitchen utensils, bed and mattress, electronics and food to cover the two of you for one year, trust me!

Consider marrying from the north!

But if u want to marry an illeterate u might have to contend with issues like hosting of friends and colleagues, travelling out, reading the internet for child care and grooming matters, etc, etc But if she is ready to learn and u don't mind sending her to school why not, !

I Live in the North.
Kaduna has wide boulevards, vibrant GRAs (Obasanjo,Atiku, Gowon, Buhari, Babangida, Yaradua even Mutallab! all have houses here).

Several universities (infact, Zaria in Kaduna has one of the largest and diverse spread of institutions - The all famous Ahmadu Bello University, Nigerian College of Aviation Technology (only one in naija!), Nigerian Military School (only one in naija- for boy soldiers- when u go to this secondary school u are on a payroll for life and you can get to go on to NDA or normal university), Depot Nigeria Army (only one in naija- for recruitment of non degree holders), FCE, Polys, Leather Research, Energy research (Nuclear), chemical researh, Animal research etc. Nigerian Defence Academy (in kaduna town, only military university for preparing officers), Command and staff College Jaji (Only promotion and training agency for all military officers), 1 Mechanized Div etc))

Rolling hills skirt the country side, sweet-sweet hausa-funali babes with fair and lovely skins and pointed noses (though most don't go out unless u meet them on campus, then)

Rent is relatively ok. From 200-400k u should something comfort.

We have our own compliments of clubs (NAF club etc), eatries, Churches (House on the Rock, Living Faith, Redeemed, etc), Mosques (Sultan Bello) and parks (Gamji Park)

Industries for job opportunity include Peugeot Automobile Nigeria (PAN), Virtually all the banks (some banks have regional offices here, so recruitment is often not uncommon), Brewries and bottling coys like IBB, NBC, CocaCola etc, Telecoms (all the majors have their offices here), The PPMC-NNPC, etc etc etc

Less riots, Bauchi is a cool town cos of former Governor Muazu, Katsina is cool too as no riost have really been recorded here, secondary schools look like higher institutions in katsina, the katsina state university is really really cool (thanks to big bucks from the dangote's who donated a billion naira). Kano is very cool for trading, the GRA is super cool. Plateau is very cool except for recent upheavals of peace (if u love nature and animals like lions etc u can see them in bauchi- yankari games reserve, kano zoo and jos zoos)

See ehn, the most honest and gentlest person in nigeria is genarally the Hausa man. (I've live in most parts of Nigeria or visited, so trust me when i tell u this). The issue he has is when u cross his religion, simple.

But in the north, it's possible to get married with nothing (believe me very very honestly when i say nothing- ) The girls family, if well to do or not, ususally gives her an accompanying dowry - Furnihings for ur living room, kitchen utensils, bed and mattress, electronics and food to cover the two of you for one year, trust me- this is very true!

They called me and i saw the missed calls, this was sometime mid last year. Thinking it was one of my friends in the UK i called back, unfortunately all of my credit got wiped off. It's really terrible. Assuming the rapture takes place and we all stand before God how do we plead? Not guilty?!!

I used to overlook the impact of such 419ers until i heard of a lady who got duped of her life savings and had to revert to welfare as a single mother with several kids.

Let's break and think. Please.

I'm impressed I must say. How much will if cost to buy off the rights for a logo design? I need to do a logo too.

@ riskie
i'm at DIAC, hult. can we see b4 i leave for naija on thursday? i stay at the green community.

Can you all kindly read thru the tread above and run a conclusion? Nigerians can be, and are arrogant, and unnecessarily so. They do not take corrections easily, and help your soul if they have just a little money! Them go so intimidTE U! (Even if the wealth was not sustainable) sEVERAL TIMES i WALK INTO SITUATIONS WERE PEOPLE THAT WERE ACTUALLY MY SUBORDINATES (without knowing) IN THE WORK PLACE SPEAK HIGH WORDS, THROW A LITTLE MONEY AROUND AND EVEN TRY TO ORDER ME AROUND BECAUSE OF MY SMALL BOY LOOKS. IT'S ONLY WHEN I SPEAK THAT THE DICTION SLANTS THEM OFF GUARD, OR I TELL THEM WHO I ACTUALLY AM THAT THEY BEGIN TO APOLOGISE AND SAY 'YES SIR'. I'VE sat IN THE SAME MBA CLASS WITH AMERICANS, INDIANS, EUROPEANS AND OTHER AFRICANS. THEY (EUROPEANS AND AMERICANS ESPECIALLY) ARE USUALLY CALM, UNASSUMING AND ONLY TALK ABOUT THEIR EXPERIENCIES ONLY ON A NEED TO KNOW BASIS. BUT NAIJA MAN, JUST CROSS HIM A LITTLE AND THE FIRST THING YOU WILL HEAR IS 'DO U KNOW ME, DO YOU KNOW WHO I AM? AND WHEN U FIND OUT HE IS JUST ONE BLOODY NON ENTITY, EVEN SOME LEGISLATORS ARE NOT CLEAN. (I KNOW OF A HOUSE OF REP GUY WHO WAS ALMOST A DROP OUT (HE SPENt LIKE 3 EXTRa YEARS IN THE UNIVERSITY!), HE WAS INTO SUG (I WAS INTO SUG TOO, BUT WITH PANACHE, NOT THE MONEY SHARING TYPE) THE LAST TIME I SAW HIM ON CAMPUS HE WAS DANCING TO GYRATIONS FROM A KeGITE -LIKE MIXER IN FRONT OF ONE OF THE MALE HOSTELS. A YOUNG GENTLEMAN WAS WALKING past WITH A PETITE LADY, THIS HONORABLE (RIF RAT THEN, ) SAID, 'WHY U DEY WAKA WITH THIS SMALL GIRL NOW, IF PEOPLE SEE YOU NOW THEM GO SAY NA CHILD ABUSE, BUT NO BE YOUR FAULT SHA, BECAUSE IF YOU LEAVE AM NOW THEM GO SAY NA CHILD NEGLECT, ! SO YOU CAN IMAGINE HOW SHOCKED I WAS WHEN THEY SAID DI, OH! DID I MENTION HIS NAME, WAS NOW AN HONORABLE MEMBER OF THE FEDERAL REPUBLIC, SO FROM LEADERSHIP TO FOLLOWERSHIP IT'. , ISKANCI' Another deposed honorable from the same state who ran for governorship and lost was so broke that he wanted to sell one of his houses to my office just to maintain his false life style, sometimes they borrow from banks and never pay back. Today A YOUnG UNDERGRADUATE OR EVEN CEMENT MOULDER will tell you he is praying to be in a position he can hammer, so how do you expect us to be great, respected or progressive? When we are looking for ways, legitimate or otherwise to enrich ourselves. Most black prostitutes in major developed countries are Nigerians, so what is it that we need to feel great about. One day I went clubbing at York Hotel in Diera, Dubai. The party was called white night. I was one of the very very few blacks there. So you can imagine how cool i was feeling when all those white chicks were angling for me (i don't know where they got the story line from, but they believe blacks are 'extra-ordinary in bed' and i was not about to discourage that myth!). After feeling so cool and displaying inside i just went outside for some fresh air and lo and behold, plenty Naija chikcs were lined up in the street hawking sex! I was so mad, them just pierce the inflated 'bolon-bolo' wey i carry come from upstairs! Though i'm sure of one thing, Nigeria cannot continue to stagnate, cohesive or corrosive development (of people, capacities and capabilities) must occur! Stand up to be differentiated or phase out!

@Riskie
Sorry for replying late, goin for an MBA (Hult International Biz school) at the DKV this September, jus wanted to know someone whoz in town.

@Riskie. Can I get across to you? How?

You can actually go to the US on a visit if you can prove to the consular officer that you have sufficient funds to cover your duration of stay and plan on returning.

Under US laws all intending travellers are assumed to be planning on immigrating until proven otherwise (section 214). So you must convince the Consular (under section 214b) that you intend to return.

These tips will help: (Go along with evidence pls)
1. If you have a job/business to return to.
2. If you are married (single men are high risk factors) or engaged
3. If you have travelled to any developed country previously (including South Africa)
4. A letter from your employers/ Current Pay package
5. Evidence of funds (account statement)
6. At least Friends (if no family) in the US (this could be a plus or a minus too)
7. A complete itinerary (showing where u will stay, for how long- if tour, show ur tour booking, if hotel stay- show confirmed booking etc)
8. Be confident and speak the truth. Records are kept of all ur previous US denials. If you are lucky, they will not ask you for half of all these but be prepared.
Luck.