₦airaland Forum

Ken4agent:
pls what is yur price per bundle of yur TME 419 ??

call me up on 08037687072. Thanks.

Check Thai Farms... Allied Distillery... And Co.

This is an inspiration that you must all read about..

Local Content
Kam and Bolanle are passionate believers in local content and stress the urgent need for Nigeria, the world’s most populous black nation, to become a manufacturing powerhouse if it is to achieve economic dominance. “We can’t keep importing everything and being the dumping ground of foreign countries if we’re to mitigate unemployment and be a developed nation,” Kam says, with no small measure of frustration in his tone. “A consuming passion for my country drives me,” he adds. And this is easy to see. His second largest factory is painted in green and white, the colours of the Nigerian flag. His love for Nigeria, however apparent, is often expressed through frustration. He periodically rants about Nigeria’s poor roads, power infrastructure and its employment problems. However, with each comment he provides a practical solution. “Do you think I cannot sit back and quietly enjoy the fortune I have made like most rich Nigerians?” Kam asks rhetorically, jerking forward in his seat and pointing a finger at me. “But I want to prove a point – to myself, to Nigerians.” He admires Aliko Dangote, the owner of the eponymous Dangote Group and Africa’s richest man. “No matter what reservation the public holds regarding his connection with the government, the truth is he has created thousands of jobs, plummeted cement importation, decongested our ports, and saved our money from being transferred to foreign currency, retaining the cash in the local economy.” Kam says with a clenched fist.
Cold Steel
A short drive down a dusty access way between the nail production lines and the Kam Industries headquarters leads straight to the entrance of their newest and largest project to date, a $250-million cold roll steel complex. The cold roll mill will process 150,000 tonnes of imported hot roll steel annually – almost one tenth of Nigeria’s annual cold roll sheet consumption – into sheets of various thickness. This material can be used in the production of auto body parts, containers, and even parts of specialised roofing nails that Kam Industries currently imports from a factory it owns in China. When running, the complex will consume approximately 205MW of power, double the power generation for Burundi. Kam says he “coughed up” almost $10 million to Dangote to acquire bulk cement for the project, a transaction managed by Bolanle because of her industry connections.
The complex is a massive combination of four factories housed in three interconnected warehouses which rise as high as 35 metres and stretch as far as 100 metres. In the first factory, called Pickle Line, imported hot roll bands are uncoiled and treated in a series of hydrochloric acid tanks to remove rust before they are lubricated with rust-preventive oils. At the main production line the sheets are pressed to reduce thickness and then processed with metallic coating before delivery.
The complex teams with a multinational staff of contractors – Nigerians, Belgians, Indians and Chinese, among others. Kam has overseen almost every aspect of the complex’s construction, from the engineering of the foundation to the sourcing and layout of the necessary pressing equipment. He moves with ease through the factory, offering greetings in different languages.
This plant is the biggest risk of Kam’s life, a win or lose-it-all calculation, and Kam has invested a large portion of his net worth as an equity contribution for its construction. He also obtained syndicated debt financing from the Bank of Industry, First Bank and Wema Bank. “It’s no small feat by any means,” he says. This industrious man has commenced an ambitious and capital-intensive backward integration plan to eventually produce liquid steel, massively reduce the importation of metal products, and trigger a lasting Nigerian industrial revolution. Even the normally unflappable Bolanle is frightened by the magnitude of the pursuit.
Challenges
According to Kam, the biggest challenge on the project to date was the 19 percent interest rate on his loan. “The Bank of Industry was lenient on the loan terms,” he says. The situation is still not ideal. Kam Industries’ head of business development, Bola Awojobi, says: “We grossly underestimated the magnitude of the cold roll project because of the unavailability of data. Forty percent of our tasks were unanticipated.” The learning process comes with millions of dollars of unplanned expenses and delays but Kam is undeterred. He is determined to commission the complex in the first quarter of 2014. As for future plans, Kam is already reading feasibility studies on Ajaokuta Steel, Nigeria’s large but dormant government owned steel mill. He says developing Nigeria’s iron ore is his life’s goal.
Kam and Bolanle’s 18-year old son, Toafeeq, who I spoke to just before I left, attends a boarding school just outside Illorin and has completely absorbed the idea that he might one day run this huge operation. His sister attends school in the United Kingdom. Toafeeq escorted his father to every single meeting that culminated in the construction of the complex.
With a intergenerational succession plan in the making and the first black-owned steel press in the world nearing completion, you would think Kam might relax, but he shows no signs of stopping. Kam’s nickname is “to be a man”, half of a phrase that ends “is not easy”, which was painted on a cart he used to push. When reminded that he might need a new nickname because he has a beautiful wife, two brilliant kids and a stellar reputation among his people, he simply looks up and smiles before saying, “the struggle continues.”

Kam left his uncle in 1987 with a meagre N10,000, mainly because of his uncle’s unwillingness to let him go. Unperturbed, Kam travelled to Lagos to acquire goods for his new business. He met an Igbo trader and friend who gave him N100,000 when he heard Kam’s story. A few years later, Kam received a major breakthrough in the form of a credit facility worth N500,000 from Oscar James, a wire rod wholesaler and nail producer in Kwara, which he used to purchase wire rods for making nails. “I made N200,000 monthly from the loan and I bought my first house,” Kam recalls. He also married Bolanle.
The combination of Bolanle’s beauty, charm and education has been Kam’s most trusted marketing weapon from the very beginning. Young and outgoing , she aggressively pushed Kam’s goods into new regions. She would drive their only pickup truck from Kwara south to push their products into the larger markets of Ibadan, Oshogbo and Lagos. It is an arrangement that still stands today. She handles the marketing while Kam handles the manufacturing.
When Oscar James exited the Nigerian market in 1996, Kam acquired three of their nail-making machines. While the acquisition was a net positive, it brought on a new set of challenges, mostly in the form of competition from more established players in the nail-making industry. Nail producers for whom he had once distributed refused to supply him with raw material. “The Nigerian wire industry was frustrating me,” Kam says. “Ola Wheel in Oshogbo was frustrating me… They were reluctant to draw wire for me. They were afraid I’d disturb their market.” His income vanished; but this hardship provoked a new level of exploration and discovery as he learned how to innovate. “I had to develop myself. I was compelled to design the machine myself so I could buy wire rods somewhere else and process them into the hoarded drawing wire myself,” Kam says of this stressful period. He built his first drawing machine himself after many rounds of trial and error, employing a basic knowledge of rotors, gears, mechanics and power.
Equal Employment
Factory 1, Kam’s first factory, sits 400 metres away from his office. Because he is busy with the steel processing plant, he rarely has a chance to visit the hectare-sized factory site. The long cement block buildings are unpainted and browned by years of dust and grease from the soiled hands of factory workers. At this site, the factory workers are all male. Their ages vary but they all tend to look the same – covered in oil-stained t-shirts and trousers. Factory 2, Kam’s second nail production line located in the same compound as his office and the new steel plant, is much neater. It is staffed mostly by women, all of whom wear neatly pressed purple coveralls. Though they operate the same machines as their male counterparts, their garments are unstained. Their production lines are also perfectly straight, unlike in the other factory.
Kam Industries employs around 200 female workers while most local factories don’t employ a single woman. The idea came about after numerous trips to source raw materials in China, where Kam noticed most of the machine operators were women. His first attempt to hire women as machine operators was met with resistance from the women themselves, as many considered factory jobs men’s work. “I just travelled to China, filmed female factory workers in line and came to play it for them and I left them with it for two hours,” Kam says proudly. He says the women were amazed after watching the video of Chinese women working. Many soon signed up. Though his initial purpose was simply female empowerment, Kam says he now prefers the female workers. “They’re trustworthy and stable. You could train a male operator today and by the third month he’s selling your industry secret to a competitor.”
Foreign Competition and Corporate Espionage
Early in the morning on my second day with Kam, three of his top aides – his personal secretary, CFO and head of logistics – stood lined up next to his desk looking uneasy. Kam charged into the room and, without any greetings, began speaking loudly about “a problem in the East”, meaning Asaba, the capital of the oil-rich Delta State to which each month, Kam Industries regularly supplies two truckloads of nails and concrete reinforcement wire mesh – a quantity sufficient for the construction of 45 homes. A competitor had established a nail factory in the area and it was eating into sales as the company had priced its product N100 (about 60 cents) cheaper than Kam Industries’ nails. Kam’s additional overhead cost of transporting the metal building material to Asaba made it unprofitable to offer retailers a better deal. An impassioned Kam issued instructions for the immediate release of N3 million ($19,000) to secure a warehouse in the contested market. To his logistics head he ordered: “Send eight trucks [of goods] to Asaba now! Flood the market and sell a bag of nails at N3,750 ($23.6)!”
Numerous foreign nationals belong to the Manufacturers Association of Nigeria (MAN), the umbrella body for industrial operators in the country. Asian owned-companies represent large-scale production in several sectors from agriculture to food to construction. Nigerian newspapers regularly report that the country has become a dumping ground for substandard products produced in other parts of the world. The Standards Organisation of Nigeria (SON) has launched a renewed effort to tackle the problem. Kam says he has had his share of challenges from foreign interests but he will not say more. When I tried to photograph a piece of machinery in one of the factories, Kam was quick to stop me, explaining that he designed it and could not afford to let competitors see the model. It is not paranoia, as there have been numerous attempts to steel his designs. In one instance, a former employee was caught on CCTV taking pictures of machines in the factories. Upon interrogation, he confessed he was sent to infiltrate Kam’s operations by an official from a foreign-owned company in Lagos. The CEO of the company flew out of the country immediately after he learnt of the arrest.

Kam and Bolanle have a strong relationship, one which most married couples would envy. When I first met Kam, Bolanle had just returned from a trip to Dubai for business – and a little shopping, she admits. When her car pulled up to the factory entrance, Kam’s excitement was palpable. He stopped conversation mid sentence to rush over, open her door and wrap her in a bear hug. “I’ve missed you,” he said with an ear-to-ear grin. “You’ve been gone for three weeks.” She responded that she’d only been away for nine days.
The pair met while Bolanle was an English student at the University of Illorin. Bolanle, whose father was an academic, grew up in a household which stressed the importance of education. She was reluctant to date a trader without a high school education, though Kam’s persistence paid off. On their first date, police raided Kam’s small trading shop looking for contraband wires – a “tip off” from a rival trader. They also searched his home. When they found nothing one of the officers told Bolanle that she needed no more evidence that her “boyfriend” was an honest man. The two have been partners ever since.
Kam says he could not have prospered without the direct input of his wife who, from the time they started dating, neglected her school work, sometimes inadvertently missing exams, to ride along in his pickup truck and help him market nails and other building materials. Her importance to the Kam Industries operation is indisputable – her office is just down the hall from his own. She handles the logistics and welfare of the numerous foreign workers building the steel plant in addition to sourcing some of the construction materials, such as the massive amounts of cement necessary to build the factory.
Humble Beginnings
Some 38 years ago, if you had asked a young Kamoru Yusuf what his life would look like in the future, he would surely not have told you it would be as it is today. At the age of nine years he was forced to drop out of school because of strife in his father’s polygamous home. Kam’s mother was the second of his father’s four wives, but she died in 1968 when he was just two years old, leaving him to fend for himself in a house seething with internal family politics. As a result of his experiences Kam, who is Muslim, resolved never to have multiple wives. As a child he was curious and often dismantled electronics to examine their components. An uncle soon took him on as an apprentice. In the area where he grew up, it is common for established artisans, traders and businessmen to pick younger men from the village and train them in a trade in the city, sometimes for as long as 10 years. After an agreed period, the protégé is then sent off with “freedom ceremony” to start a business of his own. The former master provides the seed capital.

During a visit to one of the Kam Industries factory sites, situated along a dusty strip of road leading out of Illorin’s industrial zone, Kam is keen to show the very first nail filing machines he constructed almost 20 years ago, which are still in regular use. In another section, he pauses before the first of four nine-foot-deep furnaces, used for softening wire rods, placed into the ground. Kam admits the first oven – his own design – is not as elegant as the other three imported from Italy, but it is functional. “When I began travelling abroad I visited a factory in Italy where I saw a 1,000 degrees-Celsius capacity electric furnace which cost a fortune. The electric furnace could help me expand my business from nail production to making reinforcement wire meshes, so I made a sketch of it and studied the components. When I returned to Nigeria I bought the components I could find, gave the dimension[s] of the electric furnace to makers of trucks used in transporting petrol and instructed them to roll the plate for me like a fuel tank. I bought the bricks and got a bricklayer to shape them according to the sketch. I had purchased the heating elements abroad. We also developed an electric panel to operate the furnace [as] I had observed in Italy. And it worked!” Kam made two such furnaces before finally raising the capital to import the Italian versions. He still uses the first furnace he created, while the second has been decommissioned and is kept as memorabilia. Like the Chinese he greatly admires, Kam has pursued technology duplication as his strategy for increased productivity.
Kam regularly works long hours, arriving at his office at eight in the morning and rounding off his factory tours at around midnight. Bolanle, who is also the Deputy Managing Director of Kam Industries, keeps a more reasonable schedule, leaving earlier to attend to matters at home. Kam’s facial hair is now more white than black and his voice is permanently hoarse though loud, commanding and instantly recognisable. Kam’s appearance however is the opposite. Average height and with a slender build, the notoriously fame-and-press-shy Kam eschews the antics of his Nigerian contemporaries, who think nothing of hopping on a plane to London simply to shop for suits at the finest stores. Bolanle jokes that she sometimes has to lay out Kam’s clothes because he is incapable of coordinating an outfit. His unapologetically unassuming presentation hides a brilliance that has made him very wealthy and which could easily transform the nation. Bolanle Yusuf is different; vibrant and outgoing, with an eye for style. Her round face, cheerful attitude and soft voice make her appear much younger than her age. She is instantly disarming and fusses about the well-being of anyone who steps into her office. Beneath the soft exterior is an extremely savvy marketing mind.

Alhaji Kamoru Yusuf, affectionately known as ‘Kam’, ‘Kam wire,’ or ‘Kamal’ to the locals of Kwara State, is the founder and CEO of Kam Industries, a strong contender for the title of Nigeria’s largest independently owned nail and wire-producing company. It produces different types of nails in addition to wire mesh for concrete reinforcement, binding wires and roofing sheets, as well as other building materials. The company has five factories in Illorin, the capital of Kwara state, and a granite quarry just outside of the small city. Over a million bags of nails and 1.3 million tonnes of roofing sheets pour out of Kam’s factories to supply builders in Nigeria and West Africa. The 47-year-old, self-taught engineer and self-made multimillionaire has, with the support of his wife, turned a N10,000 advance he received on finishing a trading apprenticeship in 1987 into a $300-million industrial conglomerate. And he has done so without political connections or even a high school education. Bolanle Yusuf attributes the rise of Kam Industries to aggressive manufacturing, hard work and good old-fashioned entrepreneurship.
Kam’s trademark is a pair of black, plastic-rimmed glasses. His vision has been impaired by years of welding work – a skill he combined with what Bolanle stresses is an exceptionally
brilliant imagination to design and construct several metal processing machines for producing nails – often using spare parts from trucks. After studying German designs, he would forge the bodies, purchase engines that he couldn’t produce himself, and then assemble machine after machine. Kam’s desire to design and produce is almost compulsive. “Anytime I attend steel wire exhibitions, I go there to spy technology, check each country’s design, how they design it, and get the catalogue,” he says. “I investigate how to redesign them to work for Nigeria. I go to so many factories to study their operations. While people are running around trying to get a PhD certificate, I’m travelling round the world to get the knowledge of the masters.”

In 1971, General Yakubu Gowon, then military ruler of a Nigeria recently emerged from a devastating civil war, established the National Steel Development Authority (NSDA) to harness yet another of Nigeria’s numerous natural resource blessings: an estimated five billion tonnes of iron ore reserves. Gowon had hoped that his actions would set Nigeria on the path towards becoming a present-day global steel producer and an industrial player. However, over four decades later, Nigeria’s iron ore deposits remain largely untapped, a legacy of easy oil, and the steel industry is all but non-existent. Nigeria presently imports 90 percent of the roughly six million tonnes of steel it consumes annually from countries like China and the Ukraine. The impact is felt down the value chain, increasing the price of metal goods in Nigeria, slowing the pace of industrialisation and fuelling unemployment.
Though devastating for Nigeria’s economy, this adversity was an inspiration for Alhaji Kamoru Yusuf and his wife Bolanle, the brains behind Nigeria’s first independently owned cold roll steel complex, which they are building in Illorin, the capital of Kwara State. “The scrap material I use in making roof nail caps goes for around N50 [30 cents] per tonne in China. In Nigeria, they cost me N25,000 [$160]. I couldn’t compete successfully. I had to set up a factory in China to acquire scrap cheaply,” a smiling and now successful Alhaji Kamoru Yusuf says, reclining in his black leather office chair. His massive office overlooks the new white and blue steel plant in the large factory compound with warehouses holding rows and rows of nail-making machines. In many ways, the steel plant is his way of providing a local solution to his supply chain problems.

Hmmm... Yemisi... Try and get tripartite agreement with her and her bank. So they will be the one to fund most things and help settle acvounts... because Cassava processors and debt Waka together ooo... They can owe pass Greece!

TappGroupNG:
Hello Nairalanders
So I want us to share ideas on affordable smartphones that really deliver quality (RAM, Battery, Camera etc) and still won't hurt your pocket.
Mine will be my Tecno W3. Before I used to think that tecno was one of those chinco phones that doesn't last but I was really surprised at how good the quality was for that price (I got it for 25k).

What phones really deliver at affordable prices?

check out Oukitel C3-3G on jiji and olx... It's going for 23k. It's value for money.

On-going...

CaptainBomb:
How would you feel knowing your sister has lumps in her br3ast and the chances of having cancer is 70%. She still talk to you normal as if she is fine , though she did not know what is wrong with her is a life threatning disease that has no cure and could take her life. We havent scan the lumps to know if it is cancer or not but i am worried my sister may die of cancer. Is there any hope for her to survive because i have been told and read that no one survive cancer

Give her more of carrot and moringa. Then you can add ginger and lemon juice to her meals also.

Happy new year you all.... Thanks for all our customers of last year... We hope to serve you better in 2017... Please keep it coming and for those who are yet to order, you can also do so... Its 2017 my brother ooo...Our year of Agricultural Abundance....

If you are to sell the brick. How much per one?

...

overcomer123:
How do couples with different spending patterns cope

my partner is driving me crazy, we have been fighting about everything that has to do with money, she is kinda of lavish and i am prudent. It is really frustrating, she sees me as a miser. She has this idea the higher the cost the more quality, but i know this is not necessary the case. at least from experience, i know how people inflate prices , i try to spend on actual value. I have sat her down and explained to her. How we should nt waste, she promises to change but next thing she is back to the basics.

I also think i may be partially responsible for this, during our courtship, i use to lavish her with very expensive gifts. which to me shd nt be a crime, I wasnt spending beyond my means and there is nothing wrong in giving your woman some exclusive treats once in a while what now bothers me is she expects the cinderella story will continue forever.

There was a day the argument got so intense, she began to say very uncool stuff, on hw she know i hate spending on her and always complain. i really felt hurt. She never looks at the big picture, it is always the most expensive stuff she wants, whenever we do anything.

Our counseling was rushed and proper attention wasnt given to finances and all, everyone just believes she is a well behaved girl. We just got married, I really dont know how i missed this earlier during courtship, but it really causing alot of whahala in our home. The funny part is most of this so called expenses are usually to be solely footed by me. My wife has not for one day called me to say she too will contribute this amount for this or that. I dont complain, or expect, where i have problem is when i decide to pay and she complains it is nt good enough. Am sure if her money was involved she would understand what i mean.

Currently i earn more than her, i found a temporary solution which is to keep her out of the financial decisions, Whenever. i want to buy stuff for the house I dont consult her anymore, i just go and buy the stuff and return home showing her i bought it, instead of the normal asking her which is better and she picks and we begin to fight and argue. This is temporal and actually not the best but what can i do? The fights are just getting to me.

When we started i used to expose her to how much I had and all and plans to maybe get a land and all and maybe start bulding. She knows how much i earn and all. but i dont think she is matured to handled some of these things. And i guess cos she knows of the money available (my saivngs) this is why she just goes for the most expensive and all and just acts lavish.

I had to lie to her that i was scammed of several of millions through MMM to make her forget about the available cash.

Just imagine the rubbish i have to go through.

See me see whahala , me and my own wife again.

Is anyone dating a partner with an opposite spending habit.

Can you share and let me learn how you overcame this problem.

Oga Op.. First thing to do in this case is to call her and discuss what you both want to spend per month. After fixing it, let her know she will be contributing 40% of the money. So by first day of the month you will give her your own part. Let her spend it the way she wants. Even on the budget, you can draw money for fuel for car and generator. So this way you will know your wife is a better manager of resources. If your mmm story is working, then stick to this plan I advised you because it's what I calls "Structural Adjustment Program"...

wonukwuru:
I am adult married to a lady of 35years. We have been married since 2007. God has blessed us with 3 wonderful children( 2 boys and 1 girl). Before we got married, i agreed with my wife that i only want to have 2 kids ( I wouldnt mind if they just boys or girls. That means, Im not particular of the sex of the kids). My wife is a B.sc Accounting graduate, while myself, I am a Chartered Accountant, with a well paid job. My wife had a 3rd class degree. On several occassions, i have told her to go back to school for Post Graduate Diploma (PGD) in order to upgrade, but she plainly told me that she cannot go back to school again. When i asked her why, she told me that her brain cannot withstand any academic stree again. I also suggested to her, since you studied accounting in the university, why not enroll for ICAN program? When i said that to her, she told me that she could not go for PGD, is it ICAN that she can do? I have been thinking, what will i do for her to be like others.

Luckly, was transferred to Benin. I went with my family to Benin. We stayed over 4years in Benin. While we were in Benin, I told my wife to go and enroll for a 6months diploma programm in computer (because she is not computer literate). I paid over N110,000 for the 6months programme. My wife only went for the programme for 1month and stopped. She refused to complete the program. When I asked her, she told me that she will go back after she had "put to bed"( Then she was pregnant). Guys, its over two years now and the baby is even in pre-nursery school, yet my wife has not reminded me of going back to complete the programme.

Last year, she asked me to open a store for her, that she want to go into trading. When I asked her the nature of the business, she said, she wants to deal on selling rice, beans, yams, groundnut oil, etc. I now suggested that it will not be a problem, but she has to look for somebody who is already in the business so as to understudy the person for atleast 1month. She refused, saying that without her understudying anybody, that she can still make it. I told her that my reason of suggesting to her to understudy somebody was that, i wanted her to be selling in wholesale. My plan was to give like N1.5million. I told her, i cannot just release N1.5million to her for a business that she did not learn. I told her that N1.5million is not a small money. Brethren, that was why up til now, i have not opened the business for her.

My children's school fees is over N650,00 per term for the 3 kids. I provide for feeding. My wife does not want to do anything as to assist me in the family. I give her money for her hair, cream, bathing soap, panties and clothing. Im really getting tired. My salary does not carry the family again because of too much expenses.

Another problem now is, my wife's dressing is nothing to write home about. She dresses as if she is in her late 60s. I have complained to her on several occasion that i dont like the way she dresses, but each time i bring up the issue, she will get angry. People around, have meeting my sisters to tell them that my wife does not dress well as somebody that has gone to the university. Even in my house, my wife only tires wrapper. Nothing in her again attracts me to her. Infact, for the past 3 months, i have not slept with her. I sleep in the parlour while she sleeps in the bed room.

Else, i forget, my wife delibrately "took in" again since July last year. This is after we agreed that the 3 kids that we already have is enough. Her method is, each time i remind her of what to do as to be assisting me in the family, she will delibrately "take in".

My wife, went to the university but she cannot speak simple and correct english. She cannot write application letter. She cannot teach my kids who are in primary 2 and 5 respectively. I pay a lesson teacher N30,000 monthly for my kids but my wife is at home doing nothing. Since we got married, my wife has not sent me text message on her phone more than 3times. The ones that she sent, my brothers, there are lots of gramatical blunders. When i confronted her with the text message, she could not say anything. I was checking for some documents in my room last week, and i came across an application that my wife wrote to submit to a private school where she wants to teach. When i saw the letter, believe me, my brothers, one of my kids that is in primary 5 cannot write such rubbish.

What i thought she was before i married her, is not what she is. I cannot take her out for an occassion because she may embarrase me by her conduct in the public. I need a divorce but the problem now is, i did i court wedding with her. What should i do? Im confused.

Try and find Sam Adeyemi preaching on melancholy and sanguine.

It's new year and new season... Let's go..

.....
Av they receive sense yet?

Last minute planting loading...

please review my book again...

My name is Olu Showunmi-Bancrofts, i'm an Engineer by training and i'm an Entrepreneur, Farmer, Investor and Philanpropist...
This thread is meant to show Ambitious and Comfortable Nigerians who wish to be among forbes list in the next 20yrs, how to go about it.
I use to tell people, investing is harder than farming & this is what i have done over & over.
Investing requires you take calculated risks & get calculated rewards.
If you are able to get 10% return on capital per month while you add more each month, you will be amazed what you will built in 5years.
Lets imagine you have N100k free money every month and you start with that N100k, which get Return on capital of 10% /month, how do you stand in 60months(5years).
Unbelievable, you will end up with N303Million in 5 years.
Likewise if you start with N10K, you will end up with N30.3M & even someone with N1K per month will end up with N3.03M in 5years.
Now i just placed on your laps the eight wonder of the world (Compound Interests)..

APC Demons worse than PDP own...

Just about startng the project. Investors still needed. Thanks.

...

hmmmm

It's a wonderful time to promote this idea again. Since we all have gone mad and looking for quick riches. Any comments or opinion will be appreciated. Thanks.

Dry season farming ongoing for Tomato. Book your Heinz hybrid tomato seeds today...

Dry season Tomato season loading...

Final planting now loading for year 2016...

dumebiifeanyi:
Prince Adedeji Soyebi who is the INEC National Commssioner for the south west is leading the team for the Ondo state governorship election tomorrow whilst Professor Kayode Soremilekun the Vice Chancellor of the Federal University, Oye is the Returning Officer.

This is a dangerous combination. Both men are anti-PDP and Soremilekun is the same individual that was appointed as the returning officer for the Edo state 2016 governorship election.

Sadly we witnessed the havoc that he caused there. He shamelessly rigged the election for APC in Edo and he is under orders to do the same in Ondo state tomorrow.

We must stop him and those that sent him on this robbery operation. Ondo state is not Edo and if they rig the election there will be consequences.

We must begin to learn from history. We must remember the fire and carnage that engulfed old Ondo state in 1983 after the ruling party of the day, the NPN, rigged the governership election.

We must draw the necessary lessons from that and never allow it to happen again.

That single act of electoral robbery led to the death of many innocent souls and signaled the end of the second Republic because it resulted in a military coup d'etat a few months later.

The truth is that rigging in the south west, whether it be in the elections of 1964, 1983 or 1993, always results in massive violence and its consequences are always felt way beyond the shores and boundries of Yorubaland.

It also always results in the total and complete destabilisation of the entire nation and a violent, unconstitutional and controversial change of government at the centre.

Permit me to explain. The rigging of the south western regional elections in 1964 and the violence that followed it was the primary justification and reason for the bloody and violent coup that took place on January 15th 1966. Many were killed that night.

Again the rigging of the governorship election in 1983 and the violence that followed it was the primary reason and justification for the coup that took place a few months later in that same year and that ironically brought General Muhammdu Buhari (as he then was) to power. Again many were killed that night.

Finally the rigging (or the "annulment" of the June 12th 1993 presidential election, in which the free and fair election of Chief MKO Abiola, a leading son of the south west, as President of Nigeria was cancelled at the last minute caused a violent reaction in the south west (and indeed consternation all over the country) and resulted in the "stepping aside" of General Ibrahim Babangida as Head of State in 1994. Again many were killed that night.

We must avoid a repeat of any of these scenarios at all costs. We must not allow murder, arson and violence to hold sway or take root. We must pray for and keep the peace.

INEC should not allow itself to be used by a rappacious and desperate Federal Govermment to win the state "at all costs".

They must not do anything that will provoke the wrath of the people of Ondo and they must ensure that the election is free and fair. That is the only way to guarantee and ensure peace.

Anything short of that will result in the murder of sleep, the invocation of the clouds of uncertainty and the release of the dogs of war.

To the PDP in Ondo state I have just this to say: we are very proud of you, your state and your governor, Segun Mimiko.

You have fought against all odds and ensured that you were not robbed, murdered and buried by the enemies within and the cockroaches, vultures, traitors and usurpers that infiltrated your ranks and that sought to cripple, disable and destroy you.

The Supreme Court and the Court of Appeal have given you justice and God has brought you so far.

Now is the time for you to shed all your fears and anxieties and exercise your faith in God and express your confidemce in your governor, your leaders and your candidate.

Do not be overwhelmed and do not be intimidated by the rantings, intentions and plans of the enemy because the Lord, who is always faithful to His own, is with you. He will never allow you to be put to shame.

The whole nation is watching you and praying for you. Go forth and do us all proud.

Go out in your millions, vote for our candidate Eyitayo Jegede and make sure that you stand firm and guard your votes jealously.

Do not be intimidated by the power of the Federal Government or the threats, taunts and insults of their numerous emissaries and agents because in the end we shall surely prevail.

Saturday the 26th November is your day of victory and vindication. Go forth, claim it, take it and show them that your God is mighty.

http://politicsngr.com/not-murder-sleep-ondo-fani-kayode-warns-inec/

But Deji Soyebi is OGD/OBJ appointee to the INEC... I remembered very vividly how the man rose from a drunkard Teacher @ Lisabi Grammar School then to become INEC commissioner and was used by PDP to rig elections across board. But I'm quite surprised to see that it's now APC rigging dog and no longer PDP rigging dog... What a twist of fate...