₦airaland Forum

Dewayy:
morning whatsapp on 0902 0423325 for your clean PayPall funds at good rate

amtheone:
Can you help me make a PayPal payment of 30usd?

DUNKA:
LOL You are funny

Dewayy:
oga rest.. U full of hate

GoodFaith:
Nigeria problem is not just crazy politician
Nigeria problem is all Nigerians- we are the problem of our beloved country
we they are all pure evil
Till we all understand our role and our responsibility to each other
Country come first mentality -Nigeria can't be the country God made it to be
I am not sure I will see that country

anuofGod:
I've gotten it. With an extra sef
Thanks so so much.
I really appreciate. May God surprise you with abundance of blessings.
May God's light forever shine on you. May God meet you at every point of your needs and provide for you. I'm so thankful.
God's faithfulness and love will never depart from you and everyone who has also extended an helping hand to us in one way or the other.
You'll continue to blossom and never wither in Jesus name.
Thanks so so so much. Becca and I are very very grateful.
God bless you ma.

msld:
You have a good heart. Thanks for being there for her and her kid.

anuofGod:
Amen
Yes you can.
May God surprise you with greater blessings.
May God bless you in all your endeavors and favor you.
Thanks so much sir

anuofGod:
She's doing good #smiles
Thanks so so much, I really appreciate

anuofGod:
Amen Amen Amen in Jesus name.

EgunMogaji2:
I’ve cleared my schedule for Monday and will set an appointment with my lawyer to review the existing document.

My situation is a bit peculiar since I’m a single lad.

Thanks for sharing.

Another day, another controversial/unpopular (?) post:


This is about estate planning at it’s most basic level - THE WILL. In a thread like this where folks are building real estate assets with the help of our wealthy contractors; chances are, most people need to give some thought to this.

Disclaimer - I am not a lawyer nor a financial planner nor any kind of expert on the subject, just a curious mind who possibly knows a bit more than the average layman because I like to do my research before making decisions. This is a very sensitive topic and I am not expecting that you folks are going to tell us all about your personal will decisions but I’m hoping to stir up something for those who may not have thought about it deeply. It’s a very, very good idea to do your research into this issue and make sure you have one before the end comes. You’ve made sacrifices, you’ve worked hard all your life, it would be a travesty to leave the decision on who gets what to in-fighting or just plain luck on the part of who is able to grab what quicker. I would suggest pay an actual, qualified and competent lawyer to do up the will. Sure, there are cheap, online kits but this is not an area you want to cheap out on!

I think of a will as the opportunity to make sure your sweat and labor go where YOU WISH after you’re gone because ultimately, the labourer deserves to choose who enjoys his/her sweat. The choice of beneficiary(ies) might not be popular in certain quarters but I say to the living “ is it really right to decide what a person does with their sweat?”

Personally, making a will was not an experience I was eager to do because it forces you to face your mortality but we did it eventually because we wanted to make sure our offspring would be taken care of. As said offspring become older and financially independent, the contents of the will might change to allow other parties get a share too and maybe not. Fun fact- we have been assured by our Gen Z that in the very unlikely event we leave a billion dollars, they would give a lot of that money away to charity because “there should be no such thing as billionaires.” So, good to know how your would-be beneficiary(ies) think.

If you live in the west (I do not know the probate laws of individual countries so maybe it’s not all western countries?),a will is imperative if you have assets that you do not want to go to probate. Estate and probate laws differ between countries. For example, in some, if the deceased’s bank accounts are not joint with anyone else, the contents of that account can be subject to probate and estate taxes when the person dies. If the account is joint, the contents pass on to the surviving account holder (s) with no probate requirement. Again, I’m not a lawyer and I can’t speak for every country so, definitely verify what obtains in your jurisdiction. Unfortunately, I know very little about Nigeria’s probate laws but maybe someone in that field can educate us on the basic rules?

There’s this common thing in Naija where men leave their inheritance (with or without a will) to their siblings who then decide whether or not the deceased’s wife and kids get a share. This is very strange to me because there’s no universe in which any of my brothers or sisters would leave their inheritance to me. As an executor or trustee, yes, but not for me to inherit what they have and the feeling is mutual . But, in certain families, the siblings are ranked higher than the wife and kids.

I realize there are scenarios where a person does not trust their spouse to take care of the kids so they entrust their siblings with that responsibility but how about when the kids are grown and knowledgeable already and can directly benefit from the inheritance? This idea of leaving the assets to extended family cuts across all of Nigeria, every group practises it. Maybe because I’m female and I know that women and their kids usually bear the brunt of such decisions, I can’t help but wonder why a man would marry and make babies with a woman he does not trust, leaving her to the mercy of greedy relatives after he’s gone

There is also the issue of if you’re leaving the inheritance to responsible people. I have been working since I graduated and I know I would be hesitant to leave an inheritance to someone I believed would waste it on drugs, gambling, promiscuity, alcohol or any other social vices. Most Nigerians want their kids to benefit wholly or partially from the inheritance so it becomes more important that if you’ve worked to acquire your assets, you want it to go to those that will treat it with prudence. That’s something we have to think of as we raise our kids. God knows I’d sooner give it all to charity than kids that would waste it all. Our days of sacrifice have to count for something.

Till date, many learned and wealthy Nigerians still die intestate (without a will). With Nigerians, I suppose there is that complacency of “na we-we” after all who would dare take over your assets if not your family but with the way the country is going, I believe spelling out these things is becoming more important than ever.

****modified****

That reminds me to say that a will can be a once and forever thing but can and should be modified IF NECESSARY as our circumstances change. God forbid our sweat to go to those we no longer want it to go to on the technicality that we “forgot” to revise it with a lawyer. That’s enough to resurrect a person from the land of the dead

Thank you for reading.

BrickDevo:
MMotimo ma you see what am saying, here is an example of why the middle class will think that interior design is not a big deal.
rotecch77 no pun intented

Born2conquer:
Actually, your question would have been a way for her to promote herself.

She probably took the question as an attack.

"How would you convince the middle class that hiring interior decorator is not a luxury"

Her response could have convinced other kobo kobo builders to start "factoring" in interior decors to their budget.

EgunMogaji2:
Thank you Ma. It’s a labor of love and it helps because I live right next door.

I use Baba Latis so I’m sure of screw ups as soon as I leave the site for a second.

It’s sad that I’m already looking at corrections on a brand new build but I’m ahead in terms of cost.

MulticolourDeco:
I think this has to do with your mentality sir. Just like some set of people believe a pregnant woman walking at night could give birth to a certain kind of child so do alot of people believe in so many things that isn't adequately correct.

I am a budget interior decorator. In our company Clients determines the budget not us speaking for myself. Our job comes with a detailed understanding of what to expect before we even get paid. It's an agreement between both parties and we always exceed the Client's expectations because that's the beauty of it all . And I can bet it with you, no matter how well you think you know how to shop you can never achieve what I would achieve given any budget in terms of quality, style, design, creativity, ambiance etc. Don't be deceived by what you think you know. How can you beat a professional that doesn't this for a living.

Interior Decorators are meant to give more for the value of any budget because we deal directly with Importers and merchants who definitely gives us more discounts because of our continued patronages. Atleast that's how it's meant to be. Some of us are direct Importers who imports in bulks and that comes at a more affordable values. They help you achieve you dream Interior just as you want it but doing it much more professionally.


If you employ an Interior Decorator and the services render is lesser than the value of the money given then you as a person hasn't done your assignment well in selecting a professional in handling your interior. You know there are many jobless Nigerian posing themselves as different professionals like makeup artist, models, contractors, real estate professionals etc. So we also have alot of jobless people calling themselves Interior decorator who doesn't know the drills or have the necessary skillsets or passion that come with this profession. And also alot of people want to follow names, I think that also happens all over the world. They want to say so so professional designed my home. If you want such professional influences and sentiments it also comes at a price. If you want a genuine passion influenced, talented and skilled Interior designer to handle your interior we have 100s of us in Nigeria even with international trainings. Please do well to identify one and work with them on your next project.

And moreover alot of people just assume all these things. Have you ever engaged the services of an Interior Decorating Professional and they under delivered?. Or it's just something you have stuck in your head as we all do as Nigerians, jump into conclusions because we think we know it all even without taking time to read or study about such things?.

A lot of people too expect magic when they don't give much because they are dealing with a professional. If you fall into such category you will always be disappointed because it's what you give that you get. You don't expect them to use their money to help in decorating your interior, do you?.

BrickDevo:
The Bolded is the problem, is the mentality of i don't need it, and it doesn't really matter or it is expensive, in Nigeria interior decoration is a thing of luxury which only the rich can enjoy and few middle class.
when it comes to luxury i don't think it has to do with why, it has to do with can i afford it, the service usually seems fit for who can afford it cos without it your house will still be habitable.