₦airaland Forum

DrayZee:
They are humans, they can get angry. They are also pastors, but there’s a difference between Oydepo and Ibiyeomie in this matter. One fvcked up, the other didn’t.
Ibiyeomie still has a lot to learn. He should tender an apology as soon as possible.

majamajic:
Whenever u go inside market

1, Buy from established shops , if u can't handle street boys games
2, Remove greediness , don't try to buy iPhone 11 for 10k
3, Report any issues to market Union they always support u the customer , they know those buys
4, Collect and read receipts before signing and leaving the shop
5, Don't discuss with street boys at all if u can't handle them , just tell them am not buying anything
6, Demand guarantee ( if possible)
7, Even in Igbo dominated markets , most of these scammers are mostly from different different tribes , they learn small Igbo language too , so don't always fall for it
8, Be smart , like the guy of yesterday, how can someone tell u that DVD can work with generator and not with NEPA , that's not possible ! I will tell him to test it with nepa light let me see first

Enyinne:
Doing uber biz is stressful but manageable if u hv the right car, u must be available and willing to source ur parts and give to ur mechanic , not just any mechanic.Ladipo market will be ur second home as buying direct from there reduces ur cost.These may apply if u are running fleet of cars . 2. Good drivers can never be taking for granted but never trust them as they are all there with u to make ends meet. Ur eyes should be opened and never take any flimsy excuse from them or else ur weekly rental will be played with . 3 . Never be afraid to fire any driver with excess baggage of long story. Use uber market place to source for ur drivers . Nairaland drivers , hummm. Just stay clear of them
4. Never joke with maintenance and using good oils. Depending on the oil , u can change at 7000miles upwards,right timing helps to avoid clogs in engine
5 .insurance is optional. U can use axamansard insurance as they are the rave in my own time
7. Tracker is very essential and inspect car monthly to checkmate driver . And most importantly most drivers will give u wrong address , find out by tracking ur car consistently every night to know car location. The address seen the first 2-3weeks is the drivers home , pls jot its down should incase u need it.
8. Its not a bad business, its good depending on how available u are to take care of ur biz but I believe u will learn fast as soon as u start .
9. Sound car is very very importanter . Tokunbo most preferred.

Manwarrior55:
Got into this in January it’s not as sweet as it seems, I am planning to exit it.

You’ll be better off with your money in Zenith or UCAP stocks trust me

Horerku:
My dad was once sick (4years back), he was admitted at lasuth and during the time i was with him there, i tried getting medical help but it was a very regrettable experience. After using hours and days at family clinic (i get there by 7 and see doctor by 11 or 12), I was referred to their endocrine section. But the problem was first time i visit the endocrine cos they open only Tuesday and Thursday i met a doctor who examined me (in front of students o) and asked me to run some tests which amount to 45k (6 tests). I did the tests and next appointment was two weeks later. Next time i went there with the tests, i met another doctor who just browsed through my file and results and instead of prescribing drug or say u go through this treatment he wrote another test which was 65k (2 tests). I did this too and was asked to come again in 2 weeks almost 120k on test alone. Believe me you next time i went again they were on strike and the lady at the records gave me a month appointment, after the strike i went and when i will see doctor again, it was not any of the first 2 doctors �. Although this was an elderly woman, asked me questions, went through my files, checked first test results and second one, brought out one thing like big beads like this and checked my throat. After all those guess what? She asked me to go for another test again. The price of this was 145k! I was broke already i spent saving for house rent on inconclusive tests and I'm asked to go for a new one. I just kept crying in the bus till i got home cos i feel swindled and punished for what is not my fault. I tore the hospital card and never went back there. Because if the tests were that expensive how much with the treatment be? Reason I'm trying to see if i can see a private hospital doctor that will help me out. I almost ended my life after my experience at lasuth i don't if luth won't be same old story.

damiloladuke:
it never stops

DaddyRochie1642:
Are People mad??, So because he's a governor he should not wear his Jeans In Peace again

keeper303:
And I think both happened during Buhari regime.

einsteine:
Your submission is not true. CBN killed mobile money by putting it in the hands of banks rather than mobile operators. In Kenya, your airtime can be used as money. In Nigeria, the CBN specifically wrote rules banning the use of airtime as money. The CBN has been so biased in favor of the banks that they refused MTN a banking license despite MTN having by far larger network than any existing bank.

Sholapey:
https://drive.google.com/drive/mobile/folders/0B8KHt7Ln1U7jVk9GbjY2NGFDQWs

Sholapey:

freeman67:
Permit me to answer this your question with other questions sir.

Please what is the vision, mission and objectives of wrestling, boxing, football, horse racing, car racing, basketball...etc to the viewers and spectators?

How does it affect their lives especially if they are not club owners, members, shareholders or own businesses that it's earning is directly linked to those club and entertainment outlets?

Finally how does it affect people not interested if they skip the channel and change to other areas of interest or refuse to activate the channel entirely. what if they watch and refuse to participate in Big Brother voting?

BiggyBamBam:
I saw this post and thought I should share with every Nairalanders.

May 23, 2014 Articles
by Barr. Matthew

Everyday thousands of Nigerians at home and abroad hope to buy lands in Nigeria, more especially in popular cities such as Lagos, Abuja, Port Harcourt, Abeokuta, Ibadan, etc but the common reoccurring theme that filters through their minds is how to safeguard their money so that they won’t be duped or lose their lands coupled with the terrifying stories that normally accompany the smooth transfer of these lands because of the prevalent nature of Land Scam artists and dubious Real Estate companies that specialize in defrauding prospective land purchasers.

With this in mind, I have drawn up 10 Land Purchasing Commandments for any Prospective new Land Buyer that must be strictly followed by anyone who intends to purchase a property in Nigeria more especially in Lagos so as to prevent Land fraudsters from duping them off their hard earned money and losing their lands to Unscrupulous people.

1. Thou Shalt have a Budget: The No.1 cardinal sin of most intending buyers is not having a budget before they set out to buy a land. No matter the amount you have saved in your bank account, always take the time to research the other fees that are usually associated with buying a land and they come in these form. a. Legal fees 5% of the cost of the land b. Agency Fees 5-10% of the cost of the land c. Survey Plan (usually about N100,000-N300,000) depending on the location of the land and state. d. Cost of signing the documents by land owners (A very strange tradition in Lagos but nonetheless something you cannot escape paying) e. Cost of putting up a fence to secure your land immediately you purchase it f. Cost of perfecting your documents with the Government at the Land Registry such as a C of O, Governors Consent, Ratification fees, Survey Land information, etc. Once you have done the maths to know all these hidden fees that are associated with buying a land, it will adequately guide you on the location and type of land that would suit your pocket.

2. Thou Shalt not buy a Land without demanding for the Documents that the Owner(s) Possess: Honestly it baffles me when people call me to tell me that they are in one deep problem or the other because they bought lands without knowing the documents the Seller possessed and because of this horrible mistake, they are afraid that these Land Grabbers will attempt to take over their lands or they will get a notice from the Land Bureau Office that they are encroaching on illegal government lands and they must vacate. To me it’s like attempting to buy a car from an auto dealer or independent seller without asking him to show you his driving licence and car papers? You know what will happen to you when you are caught driving without proof of ownership from the previous seller. The same rule applies to buying a land. Anybody trying to transfer land or property to you must show you the documents he executed with the previous owner so as to show proof of Ownership or else anything you are buying from him is a stolen property and it’s as simple as that. I hear daft stories like, “Oh, it’s my Aunty that is selling the land and I know her or it’s my Colleague at work selling the land so I just paid money into their account because I know them previously”. Really!!! Husband and Wives draw up wills, Parents document gifts they give to their children, why then would you just pay for a land to a non-blood relative because you know them previously. For those of you intending to do something like this soon, please stop it because you might be buying a problematic land that has no proof of ownership previously and when something goes wrong, there would be no evidence to back up your claims that you bought it legally without any issue.

3. Thou Shalt Carry Out a Proper Land Verification Search: Ultimately Commandment 2 leads to Commandment 3 Unequivocally. Do not buy any land without performing a Land Check on the Owner, the Land and the Documents the Seller possesses. There are so many things to cross reference at this stage that is why you must take your time and be patient because it is your money that is at stake not the seller or Agent’s money. If you fail to take this step, then you would be left alone to wallow in your own self pity and misery because the seller would be long gone with your money. Do not let the occasional grumblings from sellers or agents weigh you down or push you to do something rash such as “A lot of people are rushing this land and if you don’t pay now, the land may be gone” etc. Don’t listen to them. The land was there before you decided to pay interest in acquiring it and it would still be there after you do your search. Some sellers and agents are just eager to line up their pockets with your money so they throw you that line to you to scare you. The reasons you must do the search is because you must verify the owner, how he got the land previously, why he wants to sell, what is prompting him to sell whether there is any dispute or litigation and he wants to shift the burden to you or he has bought a very bad land and wants to dispose it quickly before the problem manifests into something bigger or he has wayward and unreliable documents that do not confer title or ownership to him, so he is looking for the nearest fool or unsuspecting buyer to pass that problem to. Also you will have to investigate the land to know whether it’s genuinely a good land, a land that isn’t under government acquisition or not, a land that is not subject to any communal or legal dispute, a land that doesn’t run afoul of government regulations, etc. And finally investigating all the documents the owner has and ought to have such as a Survey plan, deed of assignment, contract of sale, C of O, Governors Consent, Gazette, Letter of Allocation, Receipts, Deed of Transfer, Power of Attorney, etc. The check list is too much but it must be done so that you are satisfied 100% of the title. This is the only thing that will give you piece of mind and you must contract a land verification expert to do it to give you that extra comfort or peace of mind.

4. Thou Shalt always Involve Professionals in Land Matters before you buy a land: A lawyer, Surveyor and Architect are the 3 most important people you must get in touch with before you buy a land. The lawyer is the only one that can draw up your contract papers legally. Any other landed document drawn up by any other person is null and void and you would not be allowed to process your papers at the Land registry. Secondly, a Registered Surveyor is the only one that can draw up your survey plans. Without the survey plan you have no description of the land you intend to buy. Use only a registered surveyor please and finally, an Architect is the one who would advise you on the type of house you are to build and the cost of putting up that structure starting from the location of the land down to the type of soil. Don’t do self service. Engage professionals to guide you properly.

5. Thou Shalt not buy a Land without Viewing the land physically: No matter how beautiful or attractive the land being advertised appears please go there and look at it. Too many Real estate developers and Agents have scammed thousands of Nigerians using beautifully drawn flyers promoting lands that are equivalent to Aso rock estate in choice locations, only to realize that they are dump yards not fit for human habitation. Always find time to visit the place physically or send a trusted representative to view it. Don’t rely on just pictures and sweet words because there are so many other important things the picture or advert won’t tell you such as the neighborhood, light and water issues, the road leading to that place, amenities such schools or hospitals, transportation ease to and fro, market, etc. Make sure you check all these things before you finally commit yourself to buy a land.

6. Thou Shalt not buy a land that smells of trouble: No matter what happens in life, you must always trust your own personal instinct and 95% of the time, your conscience would never lie. The moment you visit a land for inspection, follow whatever your guts tell you. If your mind is shaky about the land, don’t push it; walk away because that land isn’t meant for you. If you see things that make you tremble or suspicious please walk away. If you see things like fenced lands that cannot be justified by the owner or no proof of ownership, no survey plan or its layout, you hear the land is a relocation land or there is a minor dispute that was just solved, so many family owners or sellers etc please kindly walk away and move on. You have just dodged a a silver bullet in your pocket. Don’t let anyone pressurize you to buy it. The signs that you see now might seem so small and irrelevant but trust me 5 years down the line it will begin to manifest seriously and the Agent or Seller who allayed your fears and coerced you to buy it would be long gone and you will be left on your own to deal with the resultant issues.

7. Thou Shalt not pay for any Landed Transaction in Cash: Don’t even dream of it. Everything must be properly documented from the cost of the land down to the Receipt or survey fees. This is the only thing that can save you from problem tomorrow in case you want to track down a fraudulent seller of land. I hear people giving land sellers cash to make them feel comfortable but it’s not right. Even if the signing fees is N50,000, try your personal best to document it through a recognized bank instrument. If push comes to shove, that tiny piece of evidence can be used in court to show when, how and the time the person collected the money and he cannot deny it. Most fraudulent sellers try to avoid this route by accepting partial cash instalment payments to cover up their tracks. Don’t do it.

8. Thou Shalt not ever listen to a land seller’s opinions about the title of land they possess without you verifying it: A lot of previous land purchasers are very guilty of this commandment and have become terrible victims in the aftermath of this issue. They listen to these land sellers who lie to them that the land has Government approved papers such a Gazette or C of O, etc but they do not have any shred of evidence. They lie that certain big shots have bought lands there and they are all deriving title from that government document legalizing their ownership of the land but there is none available that you can inspect physically. Because people are ignorant they believe them. How would you take the word of an illiterate over an educated professional? It makes no sense. Their only business with you is to show you the land, prove ownership and show you their documents. Any other thing that comes out of their mouth to sway you to buy is just plain lies so don’t fall for their tricks.

9. Thou Shalt put all their Landed Transaction Details in Writing: Another very common mistake most purchasers are culpable of. They pay for lands but there is no proof of the deed of assignment or contract of sale between the buyer and the seller. Absolute madness!!!! Some will say they haven’t received the receipt but they are waiting for the owner to come back so he would take them to meet the family he bought it from. Many I know don’t even have a survey plan. How do you prove ownership? How can you trace the owner? Some people tell me that it’s not a problem because they know where the person lives so he cannot run. Ok, what if he dies? How do you prove to his family or community that you bought the land validly from him? What if another person lays claim to that same land, how do you prove ownership? The 3 basic things a Buyer must have when they pay for a land is a Receipt, Deed of Assignment and a Survey Plan. Without these 3 things you have a very slim chance of proving ownership if anything goes wrong in future.

10. Thou Shalt take possession of the land you bought immediately: As soon as you buy it, try to take possession of it by constructing a small fence around it. You don’t have to do 9 coaches, just 2 or 3 is enough to demarcate your land so that any prospective buyer of the land knows that it has already being bought and should stay clear of it. Pour gravel or sand there, do a well on the site and visit it frequently. Hire a mai guard/ security guard to come on the land to watch over it till you have money to build something tangible. Don’t just leave it fallow and expect it to wait there for you when you are ready. Somebody else would end up encroaching on your land and steal it. I am talking from experience and that is how I threw away N2Million which was my total life savings back then when I bought my first land and left it there unattended to for 6 months hoping to come back there to do something when I have raised enough funds, only to see an uncompleted building on it fully fenced with gate man. The same land seller resold my land to another rich dude after he noticed I wasn’t doing anything there anytime soon and absconded. Let my pain and suffering be your own guide to wisdom so that it won’t happen to you too.

We at BLUEHEDGE REALTORS carry out proper due diligence on all properties before they are introduced to the market. We are not unmindful of all gimmicks involved in real estate transactions and hence, it is our utmost duty to safeguard our clients from the risks and hassle that property transaction is known for, especially in this part of the world.

Source: http://bluehedgerealtors.com/the-10-commandments-of-buying-land-in-nigeria/

slimanyd:
Eyah. When we tell majority of you guys to pay between 4 to 5k for a Google voice USA number, You all believe it's too costly , Now the cheapest material is not of a better quality now. Such is life Sha.

noblec1:
I want to buy original MS Office.

Just looking for value.

If anyone is interested we can pull resources and buy Office 365 Family for 6 at $99.99 (excluding taxes and charges).

You can WhatsApp me if interested.
Thanks.

ahiboilandgas:
look closely Nigeria state is currently exhibiting all the signs ,from corruption,to Inflation,to unstable currency to dollaraizarition to electricty shortages

Sholapey:
*Money Mistake 1*
Never borrow money that accrues interest to start a business . That is to say, never borrow money to start a business expecting that the business will generate income to pay back the borrowed money plus the interest.

*Money Mistake 2*
Never spend money you haven't received. Don't even promise someone money based on a promise you have from someone else. If someone tells you: "Ezra, come to my office tomorrow at 9am and pick #30K"don't go out to buy items on credit based on this promise, with the hope that you will pay off your creditor when the promised money comes; it may not come as promised and this will leave you in problems with your creditors.

*Money Mistakes 3*
If you want to save, whenever you receive money, don’t start spending hoping that you’ll save what remains. Normally what remains is zero because as long as money to spend is available, the numerous things you can spend it on are also available. And things to spend on even incite their 'relatives' so that you spend even more than you had planned. When money to spend is not available, we naturally find a way of doing without it. That's why I've learnt to save with an INVESTMENT CLUB. Once I send money there I assume I no longer have it. Before you spend any money, put your savings aside then spend what is left after saving.

*Money Mistake 4*
When you get an opportunity to meet a very wealthy person, never ask for money. Ask for ideas on how to make money. They may even choose to give you money on their own after seeing that your ideas are great, but let getting money from them never be your objective.

*Money Mistake 5*
Keeping your seed instead of planting it. Many people stop at saving. It's very, very difficult to save and have all you need to maintain your lifestyle especially after retirement. When you save, your savings are seed; plant it. When you just keep the seed (saving money) some seeds begin to die (eaten by inflation and the like). That's why I recommend that you read about the different types of investment vehicles you can use to grow your savings. I am not necessarily talking about putting the money in a business, because you can easily lose money in business. I am talking about putting it in an investment.

*Money Mistake 6*
Never lend someone money you are not willing to lose. By the time you lend someone money, be contented in your heart that should the person fail to pay, you will not die. You should not even lose that person's friendship if they fail to repay the money you lent them. If you feel the person might fail to pay you and this will not affect your relationship with them, then lend them money. If their failure to pay would make you hate this person’s entire clan, please advise the person to go to the bank.

*Money Mistake 7*
Never append your signature to guarantee someone on a financial matter if you are not willing or able to pay the money on their behalf. Do I have to explain that one? No, it's self explanatory.

*Money Mistake 8*
Avoid keeping money you don't intend to use in the short-term within easy reach. For instance, don’t walk with #100K in your pocket when all you plan to do in a day costs #20K. Like I mentioned in Money Mistake 3, there are always expenses available to gobble any money that is within reach, so if you don't want to lose it, put it away in a safe place.

*Money Mistake 9*
Avoid keeping money in inappropriate places e.g. in socks, under the pillow, in a pit, in the sitting room, in the bra, in a travel bag that you will place somewhere in a bus ... impulse buying is a devil that will keep you busy!

*Money Mistake 10*
Spending money on an item that you can do without (at least for the time being). These days when I pick money from my pocket or wallet, before paying for something I ask myself: What would happen if I didn’t buy this? If I find I can live with the consequences of not having that thing, I smile and walk away.

*Money Mistake 11*
Paying an amount for something that's not the minimum you can get that same value for. In other words, if you usually visit the Supermarket and you pay #5K for a shoe or any commodity that you can get at #3K at Your local market, that's a money mistake except for those who have achieved financial freedom.

*Money Mistake 12:*
Consistently spending all you earn or more than you earn. It's like having a drum where you have an inlet that's smaller than the outlet. It will never get full. And should the inlet ever reduce significantly the drum will run dry. If you do it the other way round and the inlet is bigger, it will get full and even overflow. Hence, we have to always ensure we are widening the inlet while narrowing the outlet – all the time. Your side hustle comes in handy!

*Money Mistake 13:*
Thinking about short-term only and forgetting about long-term or thinking about the long-term and forgetting about the short-term. For instance, Lydia was told that there's money in land. She saved money over a long period of time and bought 30 acres of land. Now she has the land but she is always broke. She is always complaining. She's disgruntled and she doesn't seem to see herself earning from the land in the near future. Now, let's ask ourselves: Having 30 acres of land and no money to feed your family or take a child to hospital, is that wealth or poverty? I think Lydia only looked at long-term needs and forgot that she has short-term needs that require money. What of those who find they are one paycheck away from salary? Are they thinking about the long-term needs?

Let’s take stock of our finances. How many mistakes are you guilty of? Do you now feel Better reequipped to do better with these tips? Good luck, savers! Share this knowledge with your friends because it will not benefit you if you are selfish with it.

God bless you as you work on your financial prudence and objectivity.

.-Spend Wisely
God be with you.

lexy2014:
Yes, he will have that as a priority. because we d citizens aren't putting them under any pressure to perform. George Floyd was killed & d reaction of US citizens sent shock waves around d world. D docility of Nigerians in d face of unwarranted provocation & oppression is amazing

ahiboilandgas:
Please what the vision ,mission,and objectives of big brother Nigeria .....for the company i understand income but for the voters?i seems not to undeestand abi abi old school

Justdogood:
Nigeria is on autopilot.
I repeat, Nigeria is on autopilot.

All our leaders are brain dead. Even the military heads

Gerrard59:
Emotional Investments: This is investing when the numbers don’t support the reason(s). One of the things I have learnt to respect especially regarding finances & economics is numbers. Once the numbers don’t support the reason, I refrain from doing it or supporting it. This happened twice with my parents. Initially, my dad spent millions building a house in his village even when I cautioned him about the economic necessity for doing so. This was when 1$ = 100N and economic growth was largely positive. My reasons were based on numbers and geography. The closest town had little economic activities except the state capital which was kilometres away. But he decided to build; today, he cannot stay there as there is no economic activity. Waste of money, total waste. Same with my mom, also in her village which is too far from the state’s capital. Fortunately, we have enough to cancel out those losses. But imagine the economic calamity it would have on those who don’t have strong buffer systems? In both scenarios, the numbers didn’t support these investments (worth more than 10M excluding cost of lands). It would have been better they saved in dollars, which is another point. If you have nothing to invest your money due to lack of investment opportunities, little understanding, distance, current job etc., it is better you save the bulk of your money in a currency that is not highly susceptible to inflation & devaluation. Do not invest when the numbers don’t support the reason. Building a house in a place where you cannot lease or resell at a higher level makes no sense. Moreover, the so-called real estate investment in Nigeria is either misplaced or overrated. There are a lot of dead real estate investments in Nigeria (please Google “PwC Nigeria dead capital”. That is, they have no value whatsoever. Look at FESTAC, the infrastructure has deteriorated over the years to warrant investing there or whatever place in Nigeria where the infrastructure deteriorates rather than improve (largely due to the dysfunctional political leadership I mentioned earlier).

Others include: burial costs (the culture of spending huge amounts of money on burials when there is no economic benefit whatsoever is absolutely ridiculous!), buying of items one does not need etc. My advice remains: you reside in a place bedevilled with dysfunctional leadership (don’t hope for the best, rather prepare for the worst), it behoves on individuals to meticulously plan for themselves. Don’t leave things to chance.

Iogobenz:
You know it will be better if you join the protesters and bear the risk with them head on..
Anyone can hide behind a group and fund "terrorism",but coming out in the open is what matters most if you want your voice to be heard properly and will make you the hero you so much desire to be.
So why not join them so we can take your cause seriously?
If you want to better Nigeria,come back home and open a business especially in your field of expertise.
Barbarism and stupidity has never made any nation progress.
Vanderbilt,Rockefeller,Dangote,Rothschild,etc... all contributed to the progress of their various nations by creating empires and not destroying them by acts of civil unrest.
Vandals/economie terrorists will be met by acts of fury from the Nigeria armed forces.
Be wise!