Oladeebo's Posts
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Better Nigeria “We need a better Nigeria and we must move toward it with speed. Once an ally, time no longer is on our side. “To achieve this better place means some old things must change. But it also means that we must revive some practices we have tried to forget. “I will offer you a thematic overview for laying the foundation of a better nation. I pretend not to give all the answers. What I give is my humble initial contribution to the overdue discourse on how to mould and shape our political economy. “Our current national economic model is but an old, crumbling house. Repairing this edifice is the greatest challenge confronting us. “We allowed a once vibrant, diverse economy to atrophy into something overly dependent on oil revenue and on the rent-seeking behavior such revenues encourage. Even at the best of times and with the highest of oil prices, the economy was characterized by imbalance and inefficiency. Widespread poverty, gross inequality and massive unemployment described our condition. “We survived but did not flourish. But bothered not to change because we thought oil would always be able to pay for everything. “Because of this, we left millions upon millions of our people in the clutch of destitution. Poverty became their abundance and joblessness their vocation, despair their faith. “The secular decline in oil prices revealed our extant economic model for the travesty it is. Should we continue along its sad path, history will write of us that we chose self-destruction over progress for no reasons other than inertia and arrogance. Future generations will utter “there went the best chance of Nigeria.” This is not a verdict I want attached to my name and our generation. “We must refuse to be bondsmen to failure. “Here are some ideas that may aid this vital economic repair. “We are among the world’s most populous nations. We must realize that no populous nation has ever attained broadly- shared prosperity without first creating an industrial capacity that employs large numbers of people and manufactures a significant quantity of goods for domestic consumption or export. “In one form or another, England, America and China implemented policies to protect key industries, promote employment and encourage exports. “These three nations represent the past, present and immediate future of national economic achievement. A strong common thread is their policies of buffering strategic industries in ways that allows for the expansion and growth of the overall economy. National industrial policy “We must press forward with a national industrial policy fostering development of strategic industries that create jobs as well as spur further economic growth. Whether we decide to focus attention on steel, textiles, cars, machinery components, or other items, we must focus on manufacturing things that Nigerians and the rest of the world value and want to buy. “We must partially reshape the market place to accomplish this. The federal government should institute a policy of tax credits, subsidies and insulate critical sectors from the negative impact of imports. “We need a national infrastructure plan. Roads, ports, bridges and railways need enhancing and new ones need to be built, the goal must be a coherently-planned and integrated infrastructural grid. A national economy cannot grow beyond the capacity of the infrastructure that serves it. Good infrastructure yields a prospering economy. Weak infrastructure relegates the economy to the poorhouse. Government must take the lead. “The focus on infrastructure has important corollary benefit. Federal expenditure for needed infrastructural spending has empirically proven in every place and in every era to boost recessionary economies and provide employment when sorely needed. Deficit spending in our own currency to advance this mission is neither a luxury nor a mistake. It is a fulcrum of and balanced and shared prosperity. “We must overcome the economic, political and bureaucratic bottlenecks preventing us from achieving reliable electrical power. “This is perhaps the single greatest impediment to economic advancement. The lack of power inflates costs, undercuts productivity, causing havoc to overall economic activity and job creation. Our economic situation is literally and figuratively in the dark. The hurdles we face are not technical in nature. “We must convince those political and economic factors currently impeding our quest for reliable power to step aside that we may obtain this critical ingredient to economic vitality. “Modern economies are based on credit. However, credit for business investment is too costly in Nigeria. “The long-term economic strength of the nation is dependent on how we deploy now idle men, material and machines into productive endeavor. And this is highly dependent on the interest rate. “The CBN must cure its affection for high interest rates. Lower rates are required so our industrialists may borrow without fear that excessive costs of borrowing will consign them to irredeemable debt. The normal profit rates in most business sectors cannot support the burden imposed by current interest rates. “If our industrialists do not invest in more plant, equipment and jobs, the economy will stagnate. The banking system would have achieved its goal of low interest rates at the greater costs of economic growth. This is as misguided as trying to save a branch by chopping down the tree. “Consumer credit must be more accessible to the average person. The prevailing norm is for a person to purchase high -priced items such as a car in one lump sum. This is oppressive. It defeats the average person and constrains transactions in real estate, vehicles and appliances that could vitalize the economy. “The government-backed home mortgage system must be re-engineered. Mortgage loan agencies must be better funded, and liberalize their eligibility requirements so that more people qualify. They need to provide longer-term mortgages with manageable interest rates. Government should provide the supporting guarantees to make such financing a reality. “By sparking the effective demand for housing, the overall economy is enhanced. The construction sector and the industries allied to it will surge. “Moreover, to the extent that a man has a house he calls his own, that man is content; his contentment and innate common sense will act as brakes against instability and reckless political conduct. “Also, a workable credit system lessens corruption. The current lump-sum payment requirement tempts people toward misconduct. They see no other way to secure such large sums. Their wages will not suffice. Thus, they either must steal the money, beg for it or forego the purchase. Having an accessible credit system that provides for periodic installment payments places a purchase within the reach of a person’s wages. They no longer have to equate being honest with doing without. |
common welfare. “Being more pragmatic, separating the nation into small pieces resolves nothing and creates additional problems. The world marches toward integration. Europe, America, Asia seek trade and commercial pacts that will make them more integrated markets. Notwithstanding Brexit, the EU grows more integrated in the functions of governance by the day. Thus, while nations more powerful and developed than us seek to pool their wealth and might, some of us seek to whittle this nation into smaller pieces. “Such a thing would make us more vulnerable to outside influences. We would forfeit our rightful place on the world stage and as a leader of thiscontinent. “Moreover, not every split solves a problem. The political mentality, either good or bad, that defined a group before the split will remain after the divide. If one is imbued with factionalism, that perspective will remain even when the immediate problem is surmounted. Division will manifest differently, but manifest it will. “A new factional bigotry will arise to replace the old. The cycle of tension and unrest will take its inexorable toll. Just ask the people of South Sudan if their woes ended when they left Sudan. “When your heart is geared toward division, you will seek it within a single tribe, even a single family. The gossamer of ethnic unity will be ripped apart by sub-ethnic squabble. An angry man outside his home remains angry inside it as well and a thief steals from both stranger and friend. “Driven by such a mentality, even someone you once called your brother becomes a nuisance, then a burden, and ultimately your enemy in short order. “Thus, I oppose talk of break-up and all other exotic political arrangements tantamount to it. That I am a foe of disunity does not mean I have blinded myself to the truth that our nation is in need of great repair. “We all see the nation for what it is. Some look further to see the nation for what it is not and they rush to condemn it. I” choose to see the nation for what it can be and thus seek to nurture and cultivate it so that this Nigeria may bring forth the fullest blossoming of its riches, resources and ingenuity of its diverse people. |
Firm believer in Nigeria “Here, I want to plainly state my position. I am a firm believer in Nigeria. I believe this land will become a great nation and a leader among other African nations. We can resolve our dysfunctions in a manner that will make this nation rise as a standard of decency, justice and prosperity for all Nigerians. “So many excellent people have devoted themselves, even given their very lives, to give life to this nation. I dare not cast aside their hardy and brave work as if it were nothing. Many things we now enjoy and see as good are due to these people. We have benefited from their labor and sacrifice. Many of you have likewise sacrificed because selfless values and working for something noble and larger than your own advancement are the precious lessons King’s College taught you. Morality and my understanding of our history will not allow me to discard such contributions to our humanity and |
Political power “Let us be frank. Many who cry separation do so because their personal ambitions will be better served by such a thing. They believe they will have greater chance at political power under a different arrangement. Yet the cry for separation has gained traction among average people; this is due to the chronic failure of government to meet basic aspirations. “If over the years, government had delivered on the promise of growth, prosperity, and justice, those calling for such extreme remedies would be but a small fringe of little consequence. “Our task is not to condemn but to listen and understand. I care not at all for this proposed solution. But I dare not discount the concerns and problems that have led many people into advocating such a thing. |
Legal marriage “It is a rather curious lapse that a nation with such diversity as ours has not taken the time to give our legal marriage its proper functional underpinning. In other words, we all lined up to call ourselves Nigerian without gathering to discuss what it meant. Thus, we inhabit a nation that has not sufficiently defined its governance. We may be defined by political borders and boundaries but we have not glued ourselves to collective purpose and vision. Too many of us are born in Nigeria but not of it. Thus, our society is not a collective enterprise as important to each of us as our own personal endeavor. It is but a platform, an arena, to claim whatever one can by whatever means available. In too many ways we resemble a wrestling match instead of the nation we were meant to become. “Thus, we argue over matters that long ago should have been settled. The longer such fundamental questions fester, the more extreme become the proposed answers. “Thus, we have people clamoring for secession in one part of the country and the murmur of such a course grows stronger in other sections. “These other areas resent that some have advocated secession. Blame and recrimination become the political currency. Statesmanship falls in short supply. The dominant urge is to confront instead of reconcile. “It would be wrong to mistake this for a tempest in a teapot. If not careful, we may be tossed about like a teapot in a tempest. “We must listen to what is being said so that we can determine what is really meant. |
Change is possible “The very dynamics of the current political economy is to separate people from each other. Such mean isolation was never part of us but it has crept into our culture. Of this brand of newness, I want no part. The world has entered a period where progressive, humane reform are not fashionable. We are told to be practical, to accept the way things are. There is no struggle over competing ideals; we are told the current political economy is immutable. The only thing that matters is whether you master its dynamics to succeed or you sink and fail. To attempt to change things is as futile as trying to change the sky and clouds themselves. “This is a blatant lie. Change is possible and change we must. There is no such thing as having no ideology. Every political and economic institutions are founded on one thought system or another. To accept the false premise that there is no alternative to how things are is to acquiesce in the unfair ideology that has brought us to our current predicament. “In the hard sciences such as physics, chemistry or mathematics, one can speak of immutable principles and objective formula. In the affairs of men, most things are subjective. Virtue and vice, good and bad, what is optimal and what is not have no fixed meaning. Definitions change with the ideological and moral perspective of each person. “In the face of recession, one man fires most of his employees in order to maintain his own income level. Another man accepts to receive less income so that he may retain his workers. Two men faced with the same circumstance. Each made a decision of equal soundness with regard to the rational or intellectual quality of the thinking processes that led to the decisions. However, the decisions call forth two divergent value systems that suggest two vastly different visions of how the political economy should function whether in or out of crisis. “As in almost all social interactions, there are few acts devoid of subjective ideological coloration. The decisions we make are determined by how we would like the world to be– our very actions are determined by what we value so as to keep and what we are willing to discard when the ship of state is tossed either by storm or errant navigation. “Since there is no one objective optimal standard by which to construct a political economy, it would seem prudent for a nation to dedicate a healthy amount of time discussing this fundamental matter. For such is the surest path to reaching consensus on what economic development and good governance mean in our particular context. “Sadly, the obverse is true. We talk little about this core issue. Instead, we spend inordinate time bickering over the symptoms of our failure to discuss the core issue. We are like the bewildered couple who has gotten their marriage license after a lavish wedding; yet neither of them really understands the meaning of marriage or their roles as husband and wife in it. “Legally, they are married but functionally, their union is a crippled one. This couple will be at loggerheads until somehow, some way they forge an agreement on what type of home they want and what are their respective duties in making that home come into existence. |
“Skepticism abounds. The only strong belief is to disbelief. Not enough people seek to improve society. They are told that only the foolish looks out for his neighbor and respects his adversary. They are taught the only thing to do is to look out for one’s self. If thy neighbor stumbles, reach down not to pick him up but to take those things he dropped while falling. Self-profit is the only commandment. All else is make-believe, things heard in the church and mosque but to be left there and not pursued in the course of everyday life. |
“In one way or another, we all have felt the sting of man’s capacity to wrong his fellow man. But we are also endowed with the God-given spirit to overcome adversity and to make of old enemies, new allies and even brothers. I stand before you as a faithful believer in sentiments such as these”, the former governor of Lagos started his address to the King’s College Old Boys. He continued: “Collectively and individually you have contributed mightily to this nation. If there were more people imbued with the values of King’s College, Nigeria would be a better place. We must clearly articulate our objectives. That which we cannot think clearly, will not be attained despite the magnitude of our exertions and expenditure to achieve it. One cannot be assured that an architect’s fine design will result in a fine building. Much can go awry during the process of transforming idea into brick and mortar. “However, we can be certain that a masterful building is never the result of flawed design. In this vein, I dabble not so much in the search for a new Nigeria. I am equally not enthused about the flaws of old Nigeria. What I seek is a better Nigeria. “I care not whether something is old or new but whether it shall make us better. Not all change is good. Not every new thing shall be kind to us”. Saying Nigeria must change but some of the changes we need cannot be bought at the store of the new, Tinubu said, “Many things we need are shelved in the warehouse of the old. Just as we must learn new things on one hand, we must remember vital old wisdom on the other. This is where associations such as this are so valuable. You represent an inventory of vast knowledge. “This should be used not to stifle change but to guide it toward its best purpose”. The APC leader went on: “The trend today is to believe progress and improvement are basically functions of technology and science. That politics and governance matter little and change almost nothing. That talk of political reform spills out of the leaking chalice of dreamers. Or is but an intoxicant used by cynical political operators to delude the public. |
Tinubu spoke as Principal Guest of Honour/Keynote Speaker at the 2017 Annual Dinner of the King’s College Old Boys’ Association (KCOBA) at King’s College, Lagos. His speech entitled, A NEW NIGERIA OR A BETTER ONE:THE FITTING TOOLS OF A GREAT REPAIR AMID IPOB CRISIS… * ‘It is better to restructure correct imbalance’ “Being more pragmatic, separating the nation into small pieces resolves nothing and creates additional problems”. With these words, Asiwaju Ahmed Bola Tinubu, National Leader of the All Progressives Congress (APC), Saturday, warned against any attempt to spilt Nigeria. Tinubu noted that gargantuan challenges were facing the country but explained that they were not enough to call for the dismantling of the federation at a time some parts of the world were taking advantage of integration. Whereas he did not make direct reference to the secessionist agitation by the now proscribed Igbo group, Indigenous People of Biafra (IPOB), he said many of those who cry separation do so because their personal ambitions will be better served as they believe they will have greater chance at political power under a different arrangement. The APC leader, however, said the cry for separation had gained traction among average people due to the chronic failure of government to meet basic aspirations. |
NIGERIA is entitled to her decision As US is entitled to her's So US is free to visa free terrorist ipob into the US soil, Nigeria is less concerned! Olomo lomo oun daa, oloran o lerun lona oko lana It's US that will pays the price not Nigeria! Let not US protest their misconduct to Nigeria tomorrow! is as simple as that. de calm every one. |
bridgenewstoday:great, Nigeria is toeing the path of prosperity! God bless. |
Time is moving fast and kanu influence and popularity may soon be fade out! In a situation like this resistance is not an option but surrendered, And kanu must realize it's better not to lose all, but take what nature provide him. He must renounce his Biafra project have amnesty, and endorse politics to enjoy his followers for political race for the well being of his people! Tomorrow may be too late, so as not to let history of Ojukwu repeat itself. act now oladeebo. |
such is life, Abaribe gamble and lose, if he gain, it will be his political legacy |
giftq:read more:http://www.naijagossip.com.ng/2017/09/23/breaking-must-guard-separating-nigeria-small-pieces-tinubu-warns/ |
understanding of our history will not allow me to discard such contributions to our humanity and common welfare. “Being more pragmatic, separating the nation into small pieces resolves nothing and creates additional problems. The world marches toward integration. Europe, America, Asia seek trade and commercial pacts that will make them more integrated markets. Notwithstanding Brexit, the EU grows more integrated in the functions of governance by the day. Thus, while nations more powerful and developed than us seek to pool their wealth and might, some of us seek to whittle this nation into smaller pieces. “Such a thing would make us more vulnerable to outside influences. We would forfeit our rightful place on the world stage and as a leader of this continent. “Moreover, not every split solves a problem. The political mentality, either good or bad, that defined a group before the split will remain after the divide. If one is imbued with factionalism, that perspective will remain even when the immediate problem is surmounted. Division will manifest differently, but manifest it will. “A new factional bigotry will arise to replace the old. The cycle of tension and unrest will take its inexorable toll. Just ask the people of South Sudan if their woes ended when they left Sudan. “When your heart is geared toward division, you will seek it within a single tribe, even a single family. The gossamer of ethnic unity will be ripped apart by sub-ethnic squabble. An angry man outside his home remains angry inside it as well and a thief steals from both stranger and friend. “Driven by such a mentality, even someone you once called your brother becomes a nuisance, then a burden, and ultimately your enemy in short order. “Thus, I oppose talk of break-up and all other exotic political arrangements tantamount to it. That I am a foe of disunity does not mean I have blinded myself to the truth that our nation is in need of great repair. “We all see the nation for what it is. Some look further to see the nation for what it is not and they rush to condemn it. I” choose to see the nation for what it can be and thus seek to nurture and cultivate it so that this Nigeria may bring forth the fullest blossoming of its riches, resources and ingenuity of its diverse people. read more:http://www.naijagossip.com.ng/2017/09/23/breaking-must-guard-separating-nigeria-small-pieces-tinubu-warns/ |
giftq:but with all evidents i provided to you about US diplomatic policies you should have proved me wrong! |
giftq:thanks for your gesture to be civil! US would never see anything wrong in Ipob until the totality of igbo land is set a blaze! why can I not happy for the diplomacy of US dated Centuries ago! Thousands of igbo dead in the North in '60s US never tags the North terrorist.....ojukwu! Millions of Biafran dead in biafan war Nigeria government never condemn by US......Nnamdi kanu! when you people will learn from history? |
Bari22:correct of you. |
giftq:I am invited here personal, if not I've make my mind never to post on terrorist ipob thread! ok! Rights prevent US to see rightly, why? Osama treated United State for half a century, and Us never see him terrorist untill he hitted them badly on sept 11! Islamic state recruited thousands of US citizens, US never see them as terrorist untill they started bomb them at home before they know they were devil! Boko haram over-taken 16 local government attacking three states in the North east, 300 thousand killed before US see them terrorists! maitasine never accepted as terrorists by US untill the wipe out the totality of kano state! Charle Taylor never see by us as terrorist untill Liberia is nothing than fantom nation! Who is Nnamdi kanu & ipob to be seen by US when the totality of Eastern states were yet to be wipe out of globe! don't call me afonja because @op personal invited me! oladeebo |
TimFisher:biafra had gone never to return, but keeping people in ignorant at this age of information is a conscience criminality How can a new state manage what a state of centuries ago can't manage? 400/Km2! what a country? |
Samusu:and keep it for incoming not to waste their lives for a failed project! |
eclint:until you were learnt to be civil! |
Do you want to know the main criteria for grant or involve in Independent referendum by International community...UN? Here is it: if your area is not qualify for this criteria don't even agitate or demand for independent, it can never come! If your density is too high!....above 100/km2 Nigeria • 2016 estimate 185,989,640[2] (7th) • 2006 census 140,431,790 • Density 197.2/km2 (510.7/sq mi) (71st) Biafran: Population (2015 estimate)[2]:15 • Total ~ 40 million • Density 400/km2 (1,000/sq mi) The population of Igboland stated here is an accumulation of the 5 main states Abia, Anambra, Ebonyi, Enugu and Imo USSR • 1991 est. 293,047,571 Density 13/km2 (34/sq mi) South Sudan • 2015 estimate 12,340,000[4] • 2008 census 8,260,490 (disputed)[5] (94th) • Density 13.33/km2 (34.5/sq mi) (214th) Texas Population Ranked 2nd • Total 27,862,596 (2016 est.)[4] • Density 103.7/sq mi (40.0/km2) Ranked 26th • Median household income $56,473[5] (26th) Southern Cameroons • 1987 2,100,000 Density 49.5 /km2 (128.3 /sq mi) United States • 2017 estimate 325,365,189[8] (3rd) • 2010 census 308,745,538[9] (3rd) • Density 90.6/sq mi (35.0/km2) (180th) India • 2016 estimate 1,324,171,354[12] (2nd) • 2011 census 1,210,854,977[13][14] (2nd) • Density 393.7/km2 (1,019.7/sq mi) (31st) China • 2016 estimate 1,403,500,365 Increase[10] (1st) • 2010 census 1,339,724,852[11] (1st) • Density 145[12]/km2 (375.5/sq mi) (83rd) Spain • 2016 census 46,468,102 Increase[e] (30th) • Density 92/km2 (238.3/sq mi) (112nd) Catalonia Population (2016) • Total 7,522,596[1] • Rank 2nd in Spain (16%) • Density 234/km2 (610/sq mi) Switzerland • 2016 estimate 8,401,120[4] (99th) • 2015 census 8,327,126[5] • Density 202/km2 (523.2/sq mi) (63rd) If the density of your area is saturated, you can't have independent for a new country, because, UN can not find land else where for harbouring your population if you compare the density of all the country sited here including the most populous one! Biafran Density had the most higher number: 400/km2! how many biafran per m2 then? |
IloveTrump:why not Spanish? |
The main reason why Nigeria should not return to Regional government and have state police. BARCELONA, Spain — Spain’s central government and regional Catalan authorities tussled Saturday over who controls the regional police force that is considered key to the success of a planned Oct. 1 independence vote for the northeastern region. The Catalan government has already vowed to push ahead with the referendum, which the Spanish government considers illegal — and on Saturday said it was refusing to hand over control of the Mossos d’Esquadra police force to Spain’s Interior Ministry. The ministry had announced earlier in the day it would begin coordinating all police efforts in Catalonia to crack down on preparations for the vote, including sending direct orders to the “Mossos” — as the northeastern region’s largest police force are often called. The control of the Catalan police has become a sensitive topic as the political confrontation between the pro-independence regional government and central authorities has poured onto the streets of Barcelona and elsewhere in Catalonia. There have been intermittent pro-referendum protests, at times by thousands of people, since a judge ordered raids in Catalan government offices and arrested a dozen officials on Wednesday. All the arrested this week had been released by Friday, although six of them remain under investigation for allegedly helping in the logistics for the vote. The “Mossos” have been criticized by unions and members of the national police bodies for not cracking down hard enough on the referendum. “We denounce the attempt by the state to intervene in the police forces of Catalonia,” Joaquim Forn, the head of Catalonia’s interior department and the civilian head of the Catalan police, said Saturday, reading a statement on regional television. “This is unacceptable.” Forn said the top cop in the Mossos d’Esquadra had expressed his opposition to the measure during a meeting Saturday with the top state prosecutor in Catalonia and chiefs of Spain’s two national police forces, the National Police and the Civil Guard. “We will continue working like we’ve done until now,” a statement posted on the “Mossos” official Twitter account. “We will exercise our powers to guarantee security and public order and be at the service of citizens.” An Interior Ministry official, requesting anonymity because he was not allowed to be named in media reports, said Saturday’s measure did “not mean taking command” of the Catalan police, but that it was “simply to agree on a means of coordination.” Spain’s post-dictatorship Constitution only allows the central government to call a referendum on secession and establishes that all Spaniards must have a say in a vote on the country’s sovereignty. Prime Minister Mariano Rajoy said his government is confident that there will be no referendum in Catalonia because “no democracy can accept the wiping out of the Constitution and the national sovereignty.” Rajoy is trying to crush the referendum without a heavy-handed approach that could exacerbate the separatist sentiment. But this week’s crackdown has already sent thousands to the streets in Catalonia, while Rajoy has been targeted by his political opponents for not acting earlier with an offer of dialogue. https://www.washingtonpost.com/world/europe/students-occupy-barcelona-university-in-support-of-secession/2017/09/23/549bd6cc-a051-11e7-b2a7-bc70b6f98089_story.html?utm_term=.39aa22e8fbe9
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muller101:Switzerland • 2016 estimate 8,401,120[4] (99th) • 2015 census 8,327,126[5] • Density 202/km2 (523.2/sq mi) (63rd) Igboland Population (2015 estimate)[2]:15 • Total ~ 40 million • Density 400/km2 (1,000/sq mi) The population of Igboland stated here is an accumulation of the 5 main states Abia, Anambra, Ebonyi, Enugu and Imo |
CaptainG00D:pls stop! it's getting annoyed! human being reasoning, that's why they different from animal if it's because of war, why the old western region is concerned? |
Ephetar:what are you defending, the civilized world were running away from overpopulated zone, it's world problem, all the social vises related to it. All the social adjustment world wide is base on reduction of population. the poverty, and economics problems can be easily manage but over population is a come to stay problem, it's unmanageable! if China with her one child for family for a century still over populated then those who have low density is on top! |
CaptainG00D:All the state and zone created people were agitated for it, as you can agitate to have your own personal room when you grow-up in your family! the south south, North central, mid west is an adaption name approximated to the cardinal zone! is as simple as that! if theory is practical all the Engineer will have today will have their own fabricated vehicle! come to the reality my man and deliver yourself from delusional! |
CaptainG00D:you need to be civil! why insult? |
bakila:igbo were daft, sorry to say, that's why they vulnerable to scammer! |
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