RuuDie:

Top Ten IFFHS Club World Ranking (June 1, 2008-May 31, 2009)

*Previous ranking in brackets

1. (1.) Manchester United (England) – 315 pts. | (2.) Barcelona (Spain) – 315 points *tied in first position

3. (3.) Chelsea (England) – 276 pts.

4. (6.) Liverpool (England) – 248 pts.

5. (5.) Arsenal (England) – 247 pts.

6. (10.) Shakhtar Donetsk (Ukraine) – 245.5 pts.

7. (7.) Dynamo Kiev (Ukraine) – 234.5 pts.

8. (11.) Estudiantes (Argentina) – 232 pts.

9. (8.) Hamburger SV (Germany) – 228 pts.

10. (16.) Gremio (Brazil) – 222 pts.

Bros where did u get the stats from? Where are the R.Madrids, the AC Milans, The Inter Milans etc?
Abeg free me.

I really do not know where you guys got all these information from. But, I know that mortgages are accessible at competitive rates in Nigeria. Mortgage loans could be spread over thirty years at 6%p.a. I know the Nigerian govt. has placed much emphasis on tackling the inadequate hosuing in the country. Please dearies, you may wish to open a NHF account, and access mortgage loans from there.

I do not agree with the fact that Nigerian Banks do not give loans. What I fully agree with is that Nigerian loans are not given to any Tom, Dick or Harry. You cant just come up with some stories without any structure on ground like; the market, the technical know-how, adequate planning nor collateral and expect any bank to give you loan. Before seeking for a loan, first have a structure of what you want to do with the funds. Have a repayment plan also because loans are given on the basis of thier repayment plans. Your cash flow must be strong enough to support your loan request. Most Nigerian banks are conservative unlike their American and European counterparts who have reached a level that they can afford to take risks on thier populace. Thier neglect of basic banking/lending principles have led to the universal collapse of many so called giant banks. An average Nigerian bank who tries taking high risks will have itself to blame as thier are no records here. A criminal can go through the 24 banks taking loans for the fun of it without doing something tangible with the funds. Just take a look at Ecobank who tried the credit card scheme with Nigerians. They burnt thier hands immediately because people just took the credit cards, accessed the funds and just refused to pay back. In US or UK, that cannot happen because default on loan re-payment is a grave offence, and one who does that cannot have peace. In Nigeria, it is the other way round as those who default in loan repayment (especially the high networth and connected individuals) have the most peace as they have the rest of their life to enjoy the "banks" funds without any concrete law catching up on them.
Also, there are many structures on ground to accommodate many forms of business/ personal loan request. You cant approach a bank, fresh from secondary school, requesting for agric loan at 22% and expect them to listen to you. You have to approach a bank requesting for the subsidised agric loan (from select banks). It is only then that the bankers/bank will listen to you because they will know you are not ignorant and really know what you are doing.
But to be honest, the cost of bank loans in the country is relatively high. The reason is because a lot of funds are outside the banks in Nigeria, thus, making the cost of funds high as the banks posess approx 30% of the money in circulation. This means that they can only use this 30% to finance all demands for bank loan, hence, the Nigerian banks tend to prefer big projects which give better security and returns on funds. If only Nigeriians will learn to keep thier money in the banks. Just take a walk to the markets, you will be surprised that most traders keep thier money in drawers 24/7. Same as the bus drivers, the mallams, the meat sellers etc.
Also, the almost non-existence of social,business nor personal data in Nigeria makes lending costly as it is difficult to keep track of retail loans. This makes the banks lend(retail loans) to mostly govt workers who have an assured source of repayment(salaries, terminal benefits, allowances).
My advice is "if you have a sound business plan, you may approach financial advisers or investment planners/business analysts". These professionals will first help you package your dreams well, before you approach banks for financial assistance.
Please note that select banks are better for select laons, like the micro-finance banks are better for SME loans, Specialised Mortgage banks for mortgage loans ( since the unification of banks to universal banks, pls while approaching the universal banks for mortgages, seek for thier special mortage finance reps), specialised agric bans for agric loans, BOI for industrial loans. Read-up financial articles for a better understanding of how you can access bank funds towards making your dreams bcome reality.

Me sef i wonder. Who go face them for the super cup?

@ LAKANYE~

True talk bro.

belinda 2:

Shut the fu/ck up!!LIAR
3rd class works in TOTAL? you are having a laff or you are either cooking your response up!
Unless your friend knows someone there who has given him the job not on merit but on personal recognition, then there is no way he can do a graduate job in TOTAL with a 3rd class, absolutely load of ruffle rubbish from u!
No disrespect u can work in TOTAL with a 3rd class but what you do and level of responsibility depends ( You could be a gaurd, cook, driver, engineering assistants and logistics personnel) and i certainly don't agree your friend does a job above graduate level qualification with a 3RD CLASS unless na "connection"

YOU CAN PROVE IT TO US ALL
Dear Epihamy
too bad u didnt believe anybody that has a third class has a place in the society
Any way a friend of mine just told me about this site and now it really interests me

The truth is that i ve 3rd class in scool and i work in the bank. There re no two ways about that
Its all about who u know in the society.

Since you have a 3rd class, and you work in a bank, you have indirectly proven that anything is possible here. I presume all commercial banks has at least a 2nd class as a pre-requisite (Unless you work in microfinance bank or something). Maybe the guy with a third working in Total got in2 the coy the same way you got in2 the bank. Though the deciding factor here may not be the class of degree, the fact still remains the you (and maybe the Total guy) made a 3rd class and are working in good coys. I see no reason to disbelieve the notion that someone with a 3rd class works in Total.

@Poster

When there is a will, there is a way. Always be positive. Dream, think and act big. Never give up. If you fail seven times, get up seven times. Your tone suggests that you view the 3rd class you made as a failure. You may be right -- you may be wrong. The fact remains that you have to let go of that bad patch in your life and move on. Self pity doesnt pay, but deprives oneself of true worth.
You must not wait for white collar jobs. You could start your business. Micheal Dell @ Mr.Gates started on a small scale, and look where they are now. You should also consider professional exams and post graduate studies. Make yourself useful. Gain experience. Believe in yourself. The world wouldnt judge you by the number of times you failed, but you will be judged by the number of times you refused to act.
TO DARE IS TO DO.  NEVER GIVE UP EVEN IN THE FACE OF DEATH.

ritchboy:

he's actually improved a lot this season.and he's carving curling a name for himself alright,he's becoming the new david beckham wid the way he bends those free kicks into the top corner (i believe only ronaldo scored more set pieces than he did this season).

Therez alwayz some room for more improvement. He still has a long way 2 go b4 he can be anywhere near Becks.

4 Him:

Seb Larsson is proud to be back where mediocres like him belong . . . drinking coke.

vivaladiva:

i hate silly love or pet names
i call my lover his name until when he pisses me off then i have a lot of names for him

lol.

I call my #1 "Mona Lisa", a price of unestimable quality or "My angel", 'because she guides & stabilizes my emotions. Sumtimes I call her my name "Millena", because we are one.
When she Fkcs up, I call her "my imperfect damsel"  or simply put, "idiot".

Bros the match no far again. Make una stop the noise and concentrate on paying ur DSTV bills make una no for miss the match.

1.Buffon
2.Friedel
3.Kameni
4.Mukinat2

I think Larsson should concentrate on carving a name for himself. He needs to improve his football. I cant see him improving in Coca Cola championship. 2 bad.

Me don dey ponder wetin una dey talk here.
Abeg any female banker or better still female marketer to clarify all these ponderings?
Quickygirl, U no need shout. ur name says it all!

Nice answer. But cant those threads be combined? Like take a new one and put it in an old existing one?
Maybe Seun should authorise you to do that. That should sanitise nairaland and remove unnecessary repetition.

**Seun & Mukinatu, over to you**

Mukinatu over to you.

stillwater:

@ topic
Chelsea, of course Anyone against Manchester United. is good to go!!!!!!!

Gbam! Sistah I dey feel u.


Arsenal all the way.

This one na good news! u are highly favoured. Thank God for your life. I hope you have offered it back to God for keeps.

Ewoo!! My condolences to him. I hope he gets over this.


Arsenal 4 life!!

invisible!:

Gents, I have come to declare support for my great soccer team, the brave boys, the boys that will lift the premiership trophy,

Sorry, where am I posting this? Please am a CHELSEA fan, am outa here!

Bros when u wake up from slumber, U can continue on the thread. For now, just focuss on a "silent dream". If only wishes were horses, Invisible and Chelski will ride to premiership glory.

weebee:


@All
Please permit me to share what I realized yesterday from the book of Job chapter one.

‘In the land of Uz there lived a man whose name was Job. This man was blameless and upright; he feared God and shunned evil. 2 He had seven sons and three daughters, 3 and he owned seven thousand sheep, three thousand camels, five hundred yoke of oxen and five hundred donkeys, and had a large number of servants. He was the greatest man among all the people of the East.’
Note that Job was blameless, upright and feared God, then all the good things of life that he had followed. Even the devil said "Have you not put a hedge around him and his household and everything he has? You have blessed the work of his hands, so that his flocks and herds are spread throughout the land." The simple truth I want to draw out from all these is that if we live our lives simply to please God, obey and fear him then 90% of our prayers points will be thanksgiven because God would have decorated our lives with good things of life and put an edge around us to keep the devil and his cohorts away.

So, if you need children, job, deliverance, protection, blessings, end to struggles and just name it, the key that answers to all these is called PLEASE GOD Just use the keys that Job used and leave the rest to God, then lets see the devil that will stop you.

As many that will determine to please God henceforth in all things and fear Him, may the Lord grant us the grace to do so. May he give us the strength to flee from all the appearance of evil, God will help us to overcome temptations, may greed and covetousness be crushed by the power in His blood. May we see sin and avoid it like a plague. May the power to please God and shun the devil rest upon us. God will help us to live a life that will make our territory a no go area for the devil in Jesus name Amen!!!. Shalom!

Weebee, that was inspiring. U r a gift from God. May God bless U abundantly.

As of 5pm UK time on Tuesday a staggering 12,500 emails of support for Eduardo had been sent to Arsenal.com. They have come since the website gave fans from all across the world their chance to offer hope and suppor to the Croatian striker as he begins his long recovery from a broken leg.
If you would like send a message e-mail : gunners@ arsenal.co.uk . Please keep your messages down to a couple of sentences and include your full name, age and where you come from. Arsenal.com will collate them, put them into a book and give them to Eduardo.

Congrats Ttham. You dared, and you did it.

coded guy:

@debosky

Nothing is going either way on saturday, MAN You is winning that match, by far for that matter, yes i mean it, thats how confident we are bout saturday.

Do u really believe what u typed dude? Deep down u, U are scared. Why dont u admit that Arsenal is on fire, and will consume anything, Manure inclusive?

e-kill me? U be witch?
Abeg use ur hand do am joo.

Italy Results

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Wednesday, 13 February 2008
--------------------------------------------------------------------------------
AC Milan 1-1 Livorno

Pirlo 60 Pulzetti 48


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Italy Serie A : Table
13 Feb

Team P W D L F A W D L F A GD PTS
1 Inter Milan 22 10 1 0 27 7 7 4 0 19 6 33 56
2 Roma 22 8 2 1 24 13 6 4 1 16 9 18 48
3 Juventus 22 7 3 1 23 4 5 5 1 19 15 23 44
4 Fiorentina 22 5 3 3 20 13 5 5 1 14 8 13 38
5 AC Milan 22 3 6 2 12 8 7 1 3 22 9 17 37
6 Udinese 22 5 3 3 15 15 4 3 4 10 12 -2 33
7 Sampdoria 22 7 3 1 20 7 2 1 8 9 19 3 31
8 Atalanta 22 4 5 2 21 16 3 4 4 13 16 2 30
9 Genoa 22 5 3 3 15 15 2 5 4 8 14 -6 29
10 Palermo 22 4 5 2 14 12 3 2 6 15 25 -8 28
11 Napoli 22 6 3 2 17 10 1 3 7 16 24 -1 27
12 Torino 22 3 6 2 12 9 1 6 4 11 17 -3 24
13 Lazio 22 4 2 5 14 16 1 6 4 10 15 -7 23
14 Catania 22 5 3 3 11 7 0 5 6 8 19 -7 23
15 Livorno 22 2 5 4 12 17 3 3 5 13 17 -9 23
16 Siena 22 2 6 3 16 13 2 2 7 9 19 -7 20
17 Parma 22 4 4 3 19 17 0 4 7 6 16 -8 20
18 Empoli 22 3 5 3 12 11 1 2 8 4 18 -13 19
19 Reggina 22 3 3 5 11 13 0 6 5 7 21 -16 18
20 Cagliari 22 2 3 6 8 15 1 3 7 9 24 -22 15


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Judging on present form, who says Arsenal has no chance against this old Milan team? Bring it on Milan---------

Me edit ur post? No be u write am like dat?

mukina2:

Millena na bad belle dey do you

why strike through Yaya's name

the boy is just too bad
He has no balls.

Why he go join that silly team wey beat my darling Arsenal for UCL finals?

I can testify that life is tough. Life isnt easy. So how can one expect easy things in life? You have to fight for things, even that which is appointed unto you. The best dont come easy. The best comes as a worthy price for the winners who endure till the end. Keep the desire and fire burning within you. Your job search will soon be over. Trust God. For now, keep yourself nourished with positive things. Broaden your horizon. I keep telling myself the truth that 'nothing I had; nothing I have; nothing I will have shall come easy'.
I wish you all success in your positive endeavours.

The wining team almost certainly dominates the tournament's best XI at the end of each tournament. Congrats Isis and---Egypt.
The rest of the pack has to wait till at least, 2years.

Chacal:


Its inevitable . . . .Arsenal is going down.

I disagree to agree with you. We can never be outgunned!

Chacal:


Where will Bayern Munich be when the elite of Europe resume UCL next week?

UEFA cup.

All U guys wish that Arsenal will fail at this hurdle. Too bad, we wont.
I will post my reply next week. By then, all those prophets of doom against Arsenal will be hiding in thier holes. Gattuso or no Gattuso, Kaka or no Kaka, we no send. We have Flamini; we have Fabrepass, we have Hleb d wizard, we have Rosicky, we have Adebaba not to mention the sprinters Clichy and Sagna. Milan, una go run tire with all those old bald fballers (Cafu, Maldini, Clarence, Inzaghi etc).
We do the talking on the pitch----------Ask Madrid, ask Inter.

CAF names Best XI for Ghana 2008 ACN
10/02/2008,



The confederation of African Football (CAF) has released the Best XI for the 26th MTN Africa Cup of Nations, Ghana 2008.

The team was decided by the Technical Study Group (TSG) after careful observations of the tournament matches.


Best XI

Essam El Hadary (Egypt)

Geremi Njitap (Cameroon)

Wael Gomaa (Egypt)

Michael Essien (Ghana)

Sulley Muntari (Ghana)

Yaya Touré (Cote d’Ivoire)

Alexandre Song (Cameroon)

Hosny Abd Rabou (Egypt)

Mohamed Aboutreika (Egypt)

Amr Zaky (Egypt)

Manucho (Angola)





Substitutes

Richard Kingson (Ghana)

Hany Saïd (Egypt)

Ahmed Fathy (Egypt)

Frej Saber (Tunisia)

Stephane Mbia (Cameroon)

Didier Drogba (Cote I’voire)

Kader Keita (Cote d’Ivoire)


**source: http://www.cafonline.com

http://www.cafonline50.com/?lng=1&cmpt=0&module=media&ANC=&TNews=1&idrub=96375&idnews=82854

CAF names Best XI for Ghana 2008 ACN
10/02/2008,



The confederation of African Football (CAF) has released the Best XI for the 26th MTN Africa Cup of Nations, Ghana 2008.

The team was decided by the Technical Study Group (TSG) after careful observations of the tournament matches.


Best XI

Essam El Hadary (Egypt)

Geremi Njitap (Cameroon)

Wael Gomaa (Egypt)

Michael Essien (Ghana)

Sulley Muntari (Ghana)

Yaya Touré (Cote d’Ivoire)

Alexandre Song (Cameroon)

Hosny Abd Rabou (Egypt)

Mohamed Aboutreika (Egypt)

Amr Zaky (Egypt)

Manucho (Angola)





Substitutes

Richard Kingson (Ghana)

Hany Saïd (Egypt)

Ahmed Fathy (Egypt)

Frej Saber (Tunisia)

Stephane Mbia (Cameroon)

Didier Drogba (Cote I’voire)

Kader Keita (Cote d’Ivoire)


**cafonline.com

D-reloaded:

This is why most Nigerian guys have the most offensive mouth odor with their 3 yr old brushes.

Na lie.

omoge:

Exactly!! and they come toast you with that ewwwww

Chei. Sorry oh! Na U kill Dele Giwa wey make u come get that kind bad luck? Why such people go dey toast u when better people like we dey?

U mean that Obinna Nwaneri wey get 3 left legs?