₦airaland Forum

Gerrard59:
While discussing with some buddies yesterday, we touched on the topic “moving back to Nigeria”. I argued that Nigeria is not safe. Sure, there are places that are pretty “safe”. However, my notion of safety is when other people elsewhere can go about their normal activities without fear. For instance, I don’t consider a place safe if one part of the area keeps suffering repeated attacks from Fulani herdsmen (like Southern Kaduna and Plateau). I don’t have to be the affected party, but others who go about their normal activities should feel safe doing them. The other guy countered that, with money, one could enjoy Nigeria. “Live in Maitama, run Lister generator and live quietly.” Also, you get to be in a place where almost everyone looks like you.

Upon hearing “…with money, one can enjoy Nigeria”, I asked him to list five things/ways one can enjoy Nigeria as long as the person has money. Surprisingly, he could not mention one thing/way. I thought it wise to throw it to the house, especially for those who are anti-Japa or those who have stayed abroad for a long time and currently reside in Nigeria.

As someone with money, what exactly does the person enjoy in Nigeria? What are the differences compared to his/her counterpart in say, Namibia or Canada/UK that also has money? How do you enjoy Nigeria provided the money is available?

P.S. I understand that the notion of “enjoyment” is largely subjective. Some enjoy going to parties, while others enjoy travelling around or even reading a book while in a park. But I believe there are some universal notions of enjoyment.

udofia234:
OK? so what the nr of this feminine wash?

Islie:
Money looted in 8 years enough to pay every Nigerian N732,000, says PSC commissioner, Najatu Mohammed



https://dailynigerian.com/money-looted-years-pay/

Newton2024:
It is clear that Nasir El-Rufai is above Nigeria and its laws. Everything is now left for God before the people of Southern Kaduna go into extinction.

winterfell007:
You folks should stop comparing Lagos state with Edo or Anambra state, they do not share the same economic profile. Stop forming village champion. Compare yourself with fellow mega profile cities across the continent like Johannesburg, Cairo, Rabat, Nairobi and even your fellow West African neighbours like Abidjan.
Johannesburg doesn't compare herself with Undeba, Johannesburg knows she's the economic capital of SA not Undeba, Cairo doesn't compare herself with Alexandria and others mentioned don't.
Only Lagos is rubbing shoulders with states she naturally has comparative advantage over. It means you ain't competitive, you are lagging amongst your peers

Kdsml:
Merry xmas every1. Hope you all are having a great night. I nid advice pls

I am married with a kid, my husband traveled out of the country for a greener pasture, I moved out of our rented house and relocated back to my mom's place.

We had sold our properties for 300k he told me he doesn't know how long it will take him to get a job in the new country and I should use the 300k to start up a business so i will be able to take care of our daughter until he will be stable in the new country.

I have decided to start selling foodstuffs in the front of the house and i will use the remaining money for my daughter school fees in January.

My mom asked me to borrow her 120k to pay for my brother school fee and i refused explaining to her why i can't give her the money and she has been giving attitudes and refused to speak to me, i went to the market today i bought xmas clothes for my daughter and a wrapper for my mom she rejected it.

I know she is doing all this for me to give her the money but i will not give it to her no matter what. I don't understand why she is angry when she knows that my husband is not around i should use the money wisely because if i am broke i have no one else to help me.

Am i wrong for refusing to help her?

nwekeugochukwu:
Comedian Basketmouth's Ex-Wife Celebrates Christmas With Her Children (Photo)

Comedian Basketmouth's estranged wife, Elsie has shared a photo of herself and her children as they celebrate Christmas together, IGBERETV reports.

She captioned the photo on Instagram;



https://www.instagram.com/p/CmlWe-qtlZi/?utm_source=ig_web_copy_link

SPAMBOX7:
So where did the infection come from since her pussy wasn't smelling before.
Cos last time I read OP's travail I got a few points:
1. Her pussy didn't use to smell
2. He been smashing her before the pussy started smelling after suspecting she's cheating.

So unless op cheated with another lady and got infected then gave her there is no way she'd contract infection from op. And if you assuming she must have contracted it from the toilet etc then why can't you assume she must be cheating as well. Abi your assumptions are only one sided

udofia234:
Good evening guys!!!


on my previous thread I said my friend told me he saw her with another guy at the mall, which 90% of the comments said I should ignore until I catch her ted handed.


The fact remains that I have not caught her red handed , I even did all my underground investigation, still nothing.


The two times we had sex her pussy smell seriously, I was so irritated cos it has never smelt before. I just had to erase my mind that she's probably getting another gbola.

Last week she came over for weekend I still saw same thing, angrily in sent her packing that I don't wanna see her again.

I should have listened when my female colleague who told me that she's fucking real good behind me and its as a result of various sperms that has mixed with the chemicals in her vagina that makes it smell if not properly taken care of.

Her sis called me and I've not being picking her calls I feel cheated after I don do introduction!!!!

Nigerian girls no pure I swear. she's still insisting that she wasn't cheating and I kept asking her why her pussy smells all of a sudden? pls to experienced bros in the house can the smelling be as a result of excess gbola or na normal thing but e no dey smell before I swear!!!! na recently e start

Racoon:
https://www.farooqkperogi.com/2022/12/forecast-of-what-atiku-tinubu-or-obi.html

floret23:
You are not an Urchin for nothing.

MALIGNANTGuest:
IF I were You,
my major concern should be how someone who studied PHILOSOPHY is more of an ACCOUNTANT with statistical relevance than someone who claimed he studied ACCOUNTING in Chicago yet frowns at the mention of STATISTICS.

Dat should sink into your Grey Mater as a matter of urgency, meditating on such each day & nite.

Kingsmeal:
Peter Obi went to bayelsa and quoted figure.. the King immediately Google it and verified.

This one na digital King See the smile on his face

herkeem:
The campaign rally of the Labour Party continues today in Yenegoa the capital of Bayelsa State and everybody is happy to welcome his excellency Peter Obi to the state. These are pictures from the rally.

TheGiftedOne:
Has divorce become the latest fashion to trend? Why are marriages crumbling? The most beautiful union in nature is lately under a great threat. I pity the kids more cos they are the biggest casualties in all of this devilish trend.

JasonScoolari:
That's why it is good to marry a virgin.

Leftovers give alot of headache.

Bebigiby:
Cash has been in existence as a legal tender long before electronic payment system. How does this apply to your statement "If over 200 million persons are allowed to make a choice, then nothing will work...." I've listed reasons why a pervasive cashless policy like the one CBN is proposing is bad for Nigeria.

You said "Governance is not about taking populist decisions but taking hard and fast decisions for the betterment of the country....". If you think CBN's new cashless policy is good for the country then tell us why.

You said "Also, you lack knowledge of macro economic analysis for you to say Emefiele's policies damaged the value of the naira..." Since the emergence of Buhari's government in 2015, can you count the number of times Emefiele has devalued the naira even after assuring Nigerians that it won't be devalued? Can you count the number of monetary policies introduced by Emefiele only to reverse it due to the negative impact on the economy?

You said "Now, if the inflow of dollar is restricted due to global economic meltdown while our insatiable lust for imported goods increase daily, what do you think will happen...." I am not disputing the fact you made regarding dollar and imported goods. The reason for this thread is not exchange rates or importation but CBN's new cash withdrawal policy which is a violation of our right and bad for our economy. This policy will only benefit the Banks (Charge more transaction fees and implement predatory policies), the ruling party (APC) and Emefiele.

Bebigiby:
I am not complaining but only stating the obvious, you see the main issue here is choice. People should be allowed to choose between cash and electronic means of payment.

The deliberate effort by CBN to remove cash and force electronic payment as the only means of payment is wrong and must be rejected if we are to maintain a free society.

Both means of payment have disadvantages so one can't replace the other. The new cash withdrawal policy will violate our right to earn and spend. This policy is bad for the economy as it is been forced on Nigerians.

Also, you can see overtime how Emefiele's bad policies have damaged the value of the naira so we deserve better as a nation. The new cashless policy is bad.

aljharem:
For those that voted for Buhari 2015, I really really hope you suffer more than this. How can you vote for an illiterate over an educated man. Buhari was Nigeria biggest and most costly Mistake.

Bebigiby:
On December 6, 2022, the Central Bank of Nigeria (CBN) issued a new directive to banks and other financial institutions to reduce cash transactions in the country. According to the letter it sent to banks, the new order will reduce withdrawals at ATMs and POS terminals to ₦‎20,000 ($27) daily.

The news sparked several reactions from Nigerians. While some expressed their displeasure, citing the need for more cash transactions as the country lacks digital penetration, others feel limiting cash transactions will help the dying currency.

What Is a Cashless Society?
A cashless society is one where cash—paper and coin currency—isn't used for financial transactions. Instead, all transactions are electronic, using debit or credit cards or payment services like Paystack, Flutterwave, PayPal and Apple Pay.

There are several reasons why CBN cashless policy, and a cashless society more broadly, are a bad idea.

BAD FOR PRIVACY
When you pay cash, there is no middleman; you pay, you receive goods or services — end of story. When a middleman becomes part of the transaction, that middleman often gets to learn about the transaction — and under our weak privacy laws, has a lot of leeway to use that information as it sees fit.

It is important to note that electronic payments aren't as private as cash payments. You might trust the organizations (Banks and online payment services) that handle your data, and you might have nothing to hide. However, the more information you have floating around online, the more likely it is to wind up in malicious hands. Cash allows you to spend money and receive funds anonymously.

HACKING RISKS
Hackers are the bank robbers and muggers of the electronic world. In a cashless society, you're more exposed to hackers. If you are targeted and somebody drains your account, you may not have any alternative ways to spend money. Even if you're protected under the law, it will still be inconvenient to restore your financial standing after a data breach.

BAD FOR BUSINESSES
Business owners pay roughly 2-3% of every transaction to the card companies and banks, which can be a significant “tax,” especially on low-margin businesses. With the POS/online payments processing sector dominated by an oligopoly of 2-3 companies, there is not enough competition to keep these “transaction fees” low. Big companies have the leverage to negotiate lower fees, but small business owners are out of luck, and the amount that they pay to the credit card companies is often greater than their profit. If this CBN cashless policies are allowed to become widespread, that will harm the many small business owners who either discourage or flat-out refuse to accept electronic payments due to these fees.

If in future, society is forced to choose only electronic payment methods, or if one financial app becomes the standard payment app, the companies who develop these services might not offer them for free. Payment processors may cash in on the high volumes by imposing outrageous fees, which would eliminate the savings that should come from less cash handling to businesses.

BAD FOR THE ECONOMY
Participation in a cashless society presumes a level of financial stability and enmeshment in bureaucratic financial systems that many people simply do not possess. Opening a bank account requires an ID, which many people living in rural areas and elderly people lack, as well as other documents such as a utility bill or other proof of address, which the homeless lack, and which generally create bureaucratic barriers to participating in electronic payment networks. Banks also charge fees that can be significant for people living on the economic margins.

Unless special outreach efforts are made, the poor and unbanked will likely have an even harder time in a cashless society. If smartphone purchases and electronic payments become the standard way to transact, for example, those who can't afford smartphones will be left behind.

TECHNOLOGY PROBLEMS
The frequent nationwide outage of electronic payment systems like bank ATMs and online transfers that occurs on weekends leading to many bank customers unable to make purchases — except those who had cash is a reminder that electronic payments systems can mean centralized points of failure — not just technical failures, but also security failures. As mentioned earlier, a cashless society would also leave people more susceptible to economic failure on an individual basis: if a hacker, bureaucratic error, or natural disaster shuts a consumer out of their bank account, the lack of a cash option would leave them with no alternatives.

TEMPTATION TO OVERSPEND
When you spend with cash, you recognize the financial impact by physically taking the cash out of your pocket and giving it to someone else. With electronic payments, it's easy to swipe, tap, or click a button without noticing how much you spend. Consumers may have to rethink the ways they manage their spending and this can cause a negative effect on families.

NEGATIVE INTEREST RATES
When all money is electronic, negative interest rates could have a more direct effect on consumers.

According to the International Monetary Fund, negative interest rates reduce bank profitability, and banks could be tempted to hike fees on customers to make up that deficit. Banks are limited in their ability to pass on those costs because customers can simply withdraw their cash from the bank if they don't like the fees. In the future, if customers can't withdraw cash from the bank, they will have no way to guard against additional bank fees and predatory policies (Financial Prison).

THE ARGUMENT
Proponents of non-cash payment systems point to one of the biggest downsides of cash: the risk of loss or theft. I agree that security risk of cash is real, and we're certainly not going to tell anybody they should always use cash, especially for large purchases. That said, the security considerations of cash are not one-sided. The harms that can result from electronic payments like privacy invasions (abuses, profiling, embarrassment, financial losses, etc.) should also be included in the concept of “financial security,” properly conceived. Electronic payment networks have security risks that cash does not; ask anybody who has experienced identity theft and was forced to wrangle with a nightmare mix of credit card companies, debt collectors, credit scoring agencies, and others.

CONCLUSION
The bottom line is that the technocratic “dream” of a cashless society is a vision in which we discard what is left of the anonymity that has characterized urban life since the dawn of modernity, and our freedom from the power of centralized companies like banks. Doing without cash may be convenient at times, but if in future we lose cash as an option, we’re going to regret it.

Omicronvaccine:
Popular Nollywood actor, Yul Edochie has said he is a proud polygamist, IGBERETV reports.

He wrote on his Instagram handle;



https://www.instagram.com/p/CmTcaWlLhXz/?utm_source=ig_web_copy_link

onthehill:
Labour Party's presidential candidate, Peter Obi has condemned the killing of Labour Party State House of Assembly Candidate for Onuimo Local Government Area in Imo State, Hon. Christopher Eleghu.

According to IGBERETV report, Hon. Christopher Eleghu (aka WASCO) was shot and killed on Thursday by unknown gunmen who also set his house and cars ablaze.

Taking to his Twitter handle, Peter Obi wrote;



https://twitter.com/PeterObi/status/1603856646253469707?t=7KDL2LtkGRyidk-eNsFG6g&s=19[/quote]Mumu man. When they point out the killers as IPOB, you kick against it saying they are your brothers and sisters and you live with them, eat with them, etc. Mumu.

Gjrich:
Stop Campaign, Apologise To Nigerians For Deceiving Them - Atiku Tells Tinubu.

https://tribuneonlineng.com/stop-campaign-apologise-to-nigerians-atiku-okowa-campaign-tells-tinubu/

FatherOfJesus:
all I can see is him taking credit for what others did

Obaofaba:
This man just dey give me joy.

Mentioning his name makes me feel fulfilled.

My future and that of my next generation is safe with him at the helm of affairs of this country.

He's done it before and will always do it anytime, anyday twice on Saturday.

Urheadmaster:



I can only wish buhari happy birthday had it been he celebrated the party with the people is bandits and terrorists uncles have rendered homeless in the northern states

NOC1:
A question many has refused to answer.

Mention a legacy project of GEJ to the South East through out his reign as president.

GEJ only enriched his South East cronies against the public intrest.

No matter how you will put it GEJ Administration on infrastructural development was a disaster.

Their was no single growth in that area

gtrust:
Simple matter, ex-governor should provide account numbers and account statements like Peter Obi did when some people tried to discredit the facts!

Urheadmaster:
Thanking buhari on something he was elected to do is totally out of ignorance

FatherOfJesus:
what did Tinubu do?
You have been ignoring this