Righteousness89: What Matters Most is that We learn the lessons..
The Consequences of Evil is always Greater than the enjoyment!
Peace is Priceless..
20k that you made in Honesty is better than 20billion Made in Robbery, Kidnap, Fraud and Evil..
It's not only by doing Fraud that you can Make Billions.. you can Make it Huge in your Corner! Do your Honest Business and Walk with God! At your Time, you will Blow!
Most Importantly, in all you Do, Ensure you Invite JESUS Christ in your Life and Businesses! It pays !
Dare and Halima Studied Engineering at a University in Niger State. They were both Classmates and after Five years of Studying hard, they both graduated. After graduation, Fate took them through different paths of life.
5 Years later, Halima after much frustration of securing a job, ended up as a Secretary in a Building firm earning 50,000 Naira monthly.
Meanwhile, Dare on the other hand, couldn't Secure a Job and ended up a Taxi Driver, He makes At least 5,000 daily and if he works for only 20 days in a month, He makes 100,000 Naira that month.
One Evening, Halima closed from work and was at the bus stop waiting for taxi when Dare stopped. She hopped in when she discovered the taxi was going her way but little did she know it was Dare. All through the journey, she was lost in her Phone.
She reached her bus Stop and after alighting, just when she was about paying, she took a look at the driver and their eyes met, wow! They were both happy.
"Is this you?" they both asked themselves simultaneously as if they planned it. Halima gave him money but Dare insisted she keep it. He was happy to see her and for old time sake, he left the money for her even when she insisted that she wanted to pay. They both exchanged contact and left.
Well, Halima went home that night and was lost in thought. Not as if Dare was looking bad but Dare driving Taxi? She couldn't wrap her head around it. She Pitied him. Felt Sorry for him. If Dare had allowed her she would have paid him and beg him to keep the change.
Little did she know that, Dare actually has another Taxi running for him, He is a Land owner and he is planning on developing it soon. But because he was driving a Taxi, She felt Pity for him.
On the other hand, Dare felt sorry for himself too. Before he slept that night, he remembered Halima, how neatly she dressed and nice she smells, "She must be earning over 300,000 Naira per month" he said to himself. He felt ashamed, He felt like a failure and he felt she was way ahead of him financially and otherwise.
Little did he know that, If Halima removes the transportation fare and feeding money from her monthly salary, it will take her at least 3 Months to earn what he earns monthly.
Sadly, this could be some of our reality, you measure your progress and success with that of your friends, Classmates and Relatives even with very limited information you have about them.
You think yours is worse because you look dirtier, you think yours is worse because you are not on Corporate wears, you think yours is worse because the other person acts and looks Nicer.
*Stay Focused and Face your life. It's not a competition. Stop Comparing things, you don't have the full picture. Every one is running on his own lane. Be content* .
Very sad, shameful, what many of us detest but is a bitter truth. Ours is a system run by crooks, the people, largely ignorant seem to have no choice than to be led like a sheep to the slaughter. I am confident, there are many of us who are still honest. Tho we are all being held hostage by the very worst of us who claim to be leaders.
baby124: Some Nigerians are stupid sha. How do you sell yourself so cheap? You go there without visa, they use you and pay whatever then dump or deport you after Covid is over for not coming through the right channels. Then you will come on NL after creating 100 usernames to cry out for help back to Nigeria. Giving some hellish stories. Doctors wey no get sense.
It ain't good that you are called "baby". Things have long fallen apart, people can't be stopped seeking a way out. Naija is messed up big time.
Wonderful country that never ceases to amaze. How on earth are such canibals armed with weapons which they lack the character to manage. Quick to terminate lives at slightest provocation. A system that allows people of such profile into such sensitive duties, and is notorious for not stiffly punishing such killers what hope is there? If nothing ever happens to the cop, will it be something new, unusual or isn't the normal thing? With the high frequency, rates of these incidences it is clear there is something dangerously wrong with our system.
Corrupt Nigerian leaders doing their usual thing. Which anticorruption fight is being referred to, is it the Mago Mago they are doing with the dispensable Magu as a figure head. Mtchewww.
Nero4306: Bros the 46m they box ur head lol ok here is the calculation Using compound interest formal : P(1+r)^n Where P= principal(10m), r= rate(0.165), n = numbers of years (10yes) 10,000,000(1+0.165)^10 10,000,000(1.165)^10 10,000,000* 4.6053 = 46,053,140.73
Zendinho: In as much as I CONDEMN RAPE AND RAPISTS in totality, we must learn not to associate every death or attack of the female folks to rape else INNOCENT souls will be wasted on suspicion.
Having CONDEMNED RAPE AND RAPISTS, a careful, security check, intelligence and scrutiny at the corpse could suggest an attack on the lady since her property like palms slippers, dress etc are still intact on herself.
Nevertheless, I think the current federal government/ administration have FAILED WOEFULLY in the security sector. Therefore, we should be extremely careful, watch over for trouble spots and avoid them at all cost. The country is currently in a state of comatose, Topsy turvy and disarray.
RIP TO THAT BEAUTIFUL SOUL
Just stated the obvious, there seem no hope in sight. Unfortunate that from the look of things, things will only get worse.
abraolas1: In the notice, Fidelity Bank said on its HYSA, the new interest rate for deposits below N100,000 is 3.75 percent versus the previous 4.05 percent, while for N100,000 to N999,999, the new rate is 4.15 percent instead of the old rate of 4.45 percent.
In addition, under the HYSA, savings of N1 million to N4.999 million now attracts 4.65 percent in contrast to the prior rate of 4.95 percent, while for N5 million and above attracts 5.15 percent versus the previous 5.45 percent.
From the look of things, it seem like this Fidelity offers the best rate. Curious to know if there are any hidden unfavourable T&Cs, or is there somenthing I am missing?
litigator: Could be some form of reward for a job well done?
I went to the hospital a few days ago, and nobody was wearing a mask. I felt odd for wearing one, and was wondering is charity not suppose to begin from home?
Theconglomerate: What they do is cloning. They'll clone apps and give you registration steps that would expose your details to them. When they have those details,sorry. Na back to back debit alert you go dey receive. Also they hack emails and steal sensitive informations too. They also impersonate via web. To be safe,avoid those platforms at all cost. Or operate multiple accounts with limited funds in the account for online transactions. I am conventional,I do all my transfers via pen and paper,no bank entry,no transfer.
CelestineNelson: Common Sense is not common... You can not stop a mango tree from bringing forth fruits by plucking the ripe ones...but you can stop it by uprooting the tree that produced the fruits...stop wasting the Nations funds, stop wasting time people are dying.. channel your response to insurgency in the right direction (sponsor)...if you want to quench fire you go to the source... Drop protocols and face the fact...
rexlims: It will interest u to note that this policy will apply to some part of d country, while some part will be " flexing" d proceeds. Nobody should come and mention how dis is d way to go in developed nations, cos whatever govt takes from d citizens in these developed nations, u see a corresponding development plan.
So unfortunate. The people keep being exploited, no hope in sight. This regime is really pushing people to the wall.
JONNYSPUTE: ....Good morning folks. Sure we are all good and managing the effects of pandemic well?. To God be the glory.
This is going to be long because I will want us to read and understand it very well before commenting. Reason is because any decision taken is going to affect both myself,my immediate family members, extended and the entire community.
I have been thinking about the way forward since December last year.
It happened that we lost our king (Eze) 5years ago and the community has been in turmoil due to the inability of the elders to select a new king.
Reason is that it is rotational between my village and the other village.
My village is now supposed to bring out the next king and my compound has been told to bring out somebody to be crowned as a king.
I never envisaged or dreamt of becoming a king in my life because. (1) My father is still alive. (2)I'm not the most senior in the entire family.
But then,the elders met me last December and told me that the diety in the community has selected me to become the next king and that I have to pick another wife from the community before I will be crowned.
I told them point and blank that the oracle is mistaken due to the reasons I mentioned above but they are not taking it.
Now everyone in my village is against me for refusing the offer and saying I'm doing it be cause I don't want to hurt my wife which is true.
Now my question is,What do I do? Should I damn the consequence and pick another wife and be crowned a king in other to make my community happy or should I forget about the whole idea entirely and allow the community sort themselves out?
I'm confused here. N B. My wife is aware of all this.
Thanks.
Please bring this to front page cause I'm no longer myself. So many sleepless nights and selfish advices from the elders in my community. I really need to hear the truth from people I don't know.
onegentleguy: Let me help u. The way to this is to apply the concept of the TIME VALUE FOR MONEY to know if ur better off collecting the bank loan. There are 2 key lines to verify this: The 1st scenario is where u work for ur money while the 2nd is where u allow ur money to work for u.
SCENARIO 1; The 1st thing u need to ask urself is; would that amount I'd receive from the bank/loan firm today be worth what I'd give back in 3 yrs? Put differently, is the N708,508 I get today really worth the N947,880 i'll pay back in 3 yrs? The idea is to look to ensure that u got a better VALUE from the "weight" btw the funds borrowed and the interest paid at maturity. That "weight" draws from the risk-reward margin. Hence, we need estimate the PRESENT VALUE(PV) of that future value(N947,880) u'll pay to the firm at maturity, then compare it to what they're offering u now to see if its truly a worthy move.
Based on the data u provided; Future value FV= 947,880 Our interest rate p/a will be a peg that's >/= current inflation rate(@12.4%). So r=12.4%= 0.124 while n= 3. Now using the formula for PRESENT VALUE, PV= FV/[(1+r)^n)] Therefore PV= 947,880[1/(1+0.124)^3]= 947,880/(1.124)^3... which should simplify as approx N667,505 So in essence, that N947,880 u'll pay in 3 yrs is actually worth N667,505 today. The interpretation of this is that the firm is offering u approx N41,000 more than(i.e 708,508 - 667,505) the actual value of what u would naturally get elsewhere based on current economic realities.(raking-off value eroding inflationary risk) ...which makes it a good deal on the surface. Now let's dig a little more...
SCENARIO 2; What if u were to invest that monthly remittance u'll be paying to the firm(N23,330.70) on ur own, and compound it over the same 3 yr period? ...more like looking to see if u can get that money u'll derive from ur salary deductions to work for u, rather than borrow and work for the money. ...would it be more valuable? Again, we need to do an estimate, but this time, it'll be a different formula... the FUTURE VALUE OF ANNUITY WITH CONTINUOUS COMPOUNDING. The idea is to find out if u would be better off saving that monthly N23,330.70 in a fixed income instrument(say fixed/time deposit) by estimating the future value of that amount in 3 yrs. Using the formula for future value of annuity with continuous compounding FVa= CF[(e^rt-1)/(e^r-1)] where CF connotes ur initial cash flow(i.e N23,330.70) Most banks will offer u btw 5-6% cap on fixed deposit, so we'll equate r as 6%. Hence rate prorated monthly= 6/12=0.5%... so r=0.5%= 0.005 t is the time period= 36 as we have a 3 yr period expanded in months.(i.e 12x3) while e is the Euler's constant. Therefore, FVa= 23,330.70[(e^0.005x36)-1)/(e^0.005)-1] Which will simplify as approx 917,945 So FVa=N917,945 The interpretation of this is that ur monthly salary cashflow of N23,330.70 @ 6% interest can have a value power of N917,945 in 3 yrs. Again, notice how this value is N29,935 less than(i.e 947,880 - 917945) what u would've paid the bank at maturity should u decide to go for the loan.
Hence, since both scenarios shows u are better off collecting the loan, then indeed, u are better off. ...so YES, its a fair deal. JUST GO COLLECT THE MONEY FROM THE LOAN FIRM my dear !!
NOTE: Ensure u take ur time to read through the T&C of the loan agreement before appending ur signature. Most financial bodies will often include "hidden" clauses that infer additional interest-bearing charges, which could potentially mean that u'll actually have to pay more than that FV peg of N947,880. If possible, seek the guidance of a reputable investment banker/adviser and/or lawyer/solicitor to help demystify any agreement in context before executing any deal. ...this is VERY IMPORTANT !! Pls do well to be guided accordingly.
Hopes this helps.
What a nice piece! Baba, you pass Gentle for this one.
joviegghead: Damn. Hardship blurs an individuals rationality and makes him/her do stupid things - things that he would never have thought himself capable of doing.
I believe those who commit or attempt or even think about suicide as the easy way out are cowards..
Humans have the ability to survive, to be resilient and to fight. Nothing is worth tossing your life away for, be it poverty, heartbreaks or any form of disappointment . Fight! And soon, you'll be glad you did.
Suicide is never the way.
Not necessarily cowards. Takes a lot guts to toe that path. We just pray we never get there because at that point, doing it will just be as easy as abc.
So those who rejected and hated this incompetence from day one were right after all? Common sense will always make sense. Time alone, tells it all. Seem like Nigeria was cursed never to have visionary people stir the ship of nationhood?
Crime › Re: Hushpuppi Transferred To California For Trial by mindtricks: 11:04pm On Jul 20, 2020
LMIAUO!
