radautoworks:
don't

Really
Ok

Hey senior men
I just discovered i need to change my gear oil. I have never changed the gear oil ever since i bought the car although the gear still selects perfectly well

Please which of the gear oil can you recommend for a 2004 toyota camry (big daddy).
Are there essential things i need change maybe oil or car components
I have only been changing engine oil n oil filter
Will appreciate your input

moboladipine:
Hello Pregnant Mum, wishing all us a safe delivery...

Do you know you can actually go into that labour room without having any tear after delivery
and also have a painless labour??

I have a guide on that to help you out...If you are interested...Chat me on 08057753701...

Why not share it here
We've gained lots of vita info here that are priceless...

Make i no suspect you to be mamahushpuppi...just kidding

@LordAdam16, Dexterousone and co

Do you at some point copied and pasted for us? If not
I can only say "nna eh"
Historians sha dey

OgogoroFreak:
The way u people keep shouting the real economy, I wonder if you are in Nigeria at all.

Almost everybody in Nigeria is selling one thing or the other. No jobs. Everybody don turn marketers expecially online. Most graduates, undergraduates are sellers, fashion designers etc. The numbers of Keke, bike, and commercial buses on the road causing traffic is almost suffocating. There are more businesses in Nigeria than white collar jobs, yet, we keep shouting the real economy. Haba!

This doesn't justify the fact that we need to invest in the real economy. I used to nurse this idea that the transportation business is already saturated hence the need not to trend with the crowd perhaps the money markets(still learning) however the too many investors in transportation business is an indicator of how lucrative it is... bro we are densely populated...

Obviously, everybody will not invest in fixed incomes and portfolio investments.

We've got billionaires in both sectors

LandMann:


It ought to trigger the real economy but the government brought out alternative to treasury bill which is Sukuk or so.

So majority are now diverting their funds into sukuk instead of the real economy, and with the problem of massive corruption still on ground, we will likely end up with same result in future, poor infrastructure, low interest rate, low interest in real business and everyone looking for where to dump their cash...

Meanwhile, inflation will have raised a loaf of bread that used to cost 100 now to 500 then, effectively reducing the real value of your money.


The Truth

A lot of people jump into investment without analyzing if they will lose at the end.

If you see interest rate of 11% now (eg Sukuk interest rate) and jubilate, your joy is for nothing because inflation is close to 20% or higher in Nigeria while NBS keep lying and telling everyone inflation is 14%.

Even at inflation rate of 14%, you still lose around 3% of your money yearly, money invested in sukuk or other interest bearing investment that pays 11%... That is 14% inflation rate - 11% interest rate...

By the time you compound over 2 or more years and something extraordinary happens that drives inflation much higher... My brother, your cash investment will just be turning to worthless tissue paper without you knowing.

My Point?

Any security investment that doesn't pay higher than inflation rate in Nigeria is worthless... If you choose to believe inflation rate of NBS you are on your own.

Go into the market and collect a basket sample of goods and calculate it's inflation rate compared to this time last year. The truth will shock you more than those in Aso Rock.

Way Forward

Put you money into real sector... agriculture, manufacturing, services directly.

Look for people to support their business and ensure you have firm oversight over the business or appoint someone to perform the oversight for you if you are too busy... I'll be glad to act in that capacity for anyone who is interested.

No matter how bad the infrastructure level is presently in Nigeria, investing in the real sector is currently better than investing in the financial sector. This will remain true as long as interest rate in the financial sector is lower than inflation rate, the destroyer of purchasing power.

Bros you dey make xtra luxury sense o
I am seriously learning... Thanks to Treasury Bill Business School

Now, i think i need to add more to my fleet of kekes

The question still remains... can we ever solve our too many problems in Nigeria? NO! Not in this generation perhaps in the next two generations to come...

We can only create a good sustainable platform for the next generation. If we choose to fail just like the previous generations then the chain continues...

Funny nation where anything goes...
I just remembered stories where python swallowed how many millions for jamb office, monkey was accused too. Dino would climb a tree, MD go faint live on tele when querried for gross misconduct...

Truth be told, we need supernatural forces to intervene n cleanse our land of her uncountable issues

izmercy:
https://drive.google.com/drive/mobile/folders/0B8KHt7Ln1U7jVk9GbjY2NGFDQWs

I noticed some wants ebooks. This link contains life changing ebooks.
My own little contribution to this wonderful thread.
Thank you all.

From your Monika... your are truly merciful n kind
Tanchu

Godbpraised:
Oga this ur grammar no go pay my bills for canny where dey. Maybe if u soften the grammar e fit. Yeye dey smell

Nna eh
I taya oo
Anyways, i admire the high command of English language some peeps exhibit here... it kinda encourage us but the papa of dem all is not the english but the info/ideas shared untop the grammar...
I go like improve on my writing skills too...any hint will be highly appreciated. (Don't come ask me my background; primary sch, secondary or uni attended, if you must know na Harvard )

Donbrig:
Anyone returning to live in Nigeria from oversea should have a minimum of 250m naira in liquid and fixed assets. You don't need billions to live a good life in Nigeria. If you can earn a minimum of 500k/700k monthly in Nigeria, that should be enough to give you a comfortable life.

Sorry i disagree with you... that amount monthly can only sustain your immediate fam
Once you flex for 4 weekends in a month plus VAT charges from extended family... you go dey "comfor...without the "table"

ahiboilandgas:
i think 50 percent of people in Lagos have no business been here .....too much suffering

They're hopeful...someday...one day...a change of story
Good news; a whole lot of persons in lagos kept their Hopes alive and today they are successful

Sad News; not everyone that kept their Hopes alive succeeded...

akinola98:


My candid advice to you is to get a property lawyer
This will avoid stories that touch the heart

Any good property lawyer is ok but I can recommend you a lawyer on this forum, goes with a monika “ Lawyer “, he is tested and trusted .
This is just a recommendation, pls do as u please

Irrespective of one's location??

Please guys
How do i verify and confirm a land is genuine... what are the necessary things and questions i need to ask...
Have heard different stories of land matter payments that went south although i trust the middle man 60% notwithstanding i need to be smart with it coz na my first time o if successful (already feeling like a future landlord)... 1.5m no be here o... 1 plot with dwarf fence

Appreciate guys

Crazeworld:
I don't know maybe this a stupid appeal but Sirs & Ma's, it would be nice if you don't reveal cash transactions on this thread. Not only for the fear of being prey to scammers (I believe they're present here as well), but so you don't discourage young folks like myself by the figures you call. Madam Sholapey decline at a certain offer almost made me lose my hold on my keypad

Go read up oga barrytone's previous articles on this thread...
Truly not everyone wishes to be dangote (i just spotted one person ...
Be contented bro ...

Mapple90:


Lol, apologies, abeg give me the info.

Ehen! Now you are talking...(business)
Info dey for fire, e remain small, e go soon done...
Cheers padiman

Mapple90:
Is this forum no longer a treasury bill section. Moderator could you remove some post here.

Na Who wan put sand sand for our garri self

Moderator kindly remove this moniker biko!
He has not paid his dues...

Your first post here, you dey query our oga dem plus dey report dem join... for your information sir, we moderate ourselves here...

You don't know what you are missing if you ain't here... you go see n hear things that would pay far beyond TB...

Relax, make yourself comfortable and thank me later...

.

ukay2:


I have learnt do Briefcase Portfolio Investments.

No Headaches and Noises

Can you give more details... thanks

ukay2:


But continue to help regardless of their attitudes

Givers never lack. .....

Sure
Oga Ahib said sth about setting up cement warehouse n him oga wan put head too... thats reality.

Mine would venture into what he hears or think you are doing, if you like add ponzi
He is ever ready to do mmm & wazobia combine together with a huge sum for that matter... just to ensure you dont earn up to or even get close to his worth let alone overtaking...lol

Humans eh!

emmanuelewumi:



You don't need to do better than them, you become their enemies when you become independent and don't need handouts from them again..

I think a billionaire should be able to create a minimum of 10 millionaires.

All correct sir...
Becoming independent makes them go crazy

Sholapey:
Some people are like that, they give when you're below them but surprisingly become your hidden enemy when you're doing better than them. You can't change their mindset because of the spirit of limitation in them. Adjust, don't say or show them what they hate to see or hear.

Exactly what i am currently facing... infact part of the reason why i have not be steady here
Someone who i first assisted o and decided to reward me back... long story short, as things begin to look a little rosy... the kind of attack, hatred, envy, jealousy etc i get from him plus the ones i heard he said behind me... its becoming unbearable but i believe Wisdom is profitable to direct...

Shockingly, i don't make up to 25% of what he makes in a month... its disheartening that this is coming from someone i first helped, someone i cheerish...
Its sha well

[quote author=repairpalng post=91293440][/quote]

How much for S10+ Flex replacement?
How much fpr S10+ Screen replacement?

Hello Mamas...
Good to visit here
Please i feel i ovulate during mensurating... is this possible? Any one with similar experience?
Will appreciate any advise on this
Kindly quote me

Thanks all

Hello Mamas...
Good to visit here
Please i feel i ovulate during mensurating... is this possible? Any one with similar experience?
Will appreciate any advise on this
Kindly quote me

...meanwhile which month team dey get twins well well... warming up to register with them..

Thanks all

Quote me when you finally decides to put up the price...
The price will determine how people would rush the product besides we will still take you to be either unserious or just dropshipping.

Oluneutral:



I tell you, very healthy.
What do you do with your avocado seeds, do the same with the exception of black tea bag and come and testify. Cut it into pieces and bring to boil. You can add honey to taste. Believe me, you will sleep like a baby after drinking the avocado seeds solution.

You're welcome dear.

Wow!
You have an in depth knowledge of fruities

Which fruit combination helps the male ministry on the other room?

LegitBitcoinBuy:


For short-term gains it’s all about knowing when to buy, currently it’s a good time to buy the prices are down to $8700 from $9500 last week, it’s very certain that the price will go up just depends on your risk appetite and how long you are willing to wait, you can buy now and wait to December it’ll definitely be above 10k or buy now and sell mid April when it’s back to 9k+ it just depends on your risk appetite and how long you are willing to wait.
And one other thing don’t invest what you can’t afford to lose.

Thanks buddy
Make i dey my dey be that

Franky826:
I'm amazed at the wealth of knowledge given here for free. No one is stingy with vital information. Everyone is out to help everyone. Just pure cruise only!

This thread have become my favorite and I wished I've discovered it early. But still, better late than never. The arguments, and sometimes sarcasm, the respect and maintaining boundaries, the warmness of people here like emanuelewumi, Ukay2, ahiboilandgas, sholapey, theconglomerate,chigo4u,oluwaleokey, damilola1978, emmasoft, freeman67, etc is contagious, And I'm learning everyday.

God richly bless the contributors on the thread.

O bobby ooo, make una come ooo
Na my name dey there? Hehehe
I don hammer be that o!

Like oga dem would talk... get addicted and your life will not remain the same...
Cheers bro

LegitBitcoinBuy:
Good day bosses and to the boss ladies in the house, I have been following the thread quietly for while now, I have come for your advise on a financial decision I am about to make.

I have 4m in my account and I am still trying to save it up to 10m to be used for a specific project in 2 years time.

While I am still hustling, I would love to put the 4m in a risk free investment that can earn interest from now to 2 years time.

What would you advise me to do? And based on your knowledge in the financial system where would you advise me to invest the money?

Thanks in advance �

4 million!
...and you are still hustling more...
You want a free risk investment...
Your moniker says...

Why is my mind telling something? *just kidding*

You on track,You'll definitely get the best advises in here meanwhile i have been feeling skeptical about Bitcoins business however i am sure some can be legit...
Do you mind to school me plus many ghost readers in here about the biz...
Thanks buddy

I love the way you handled the situation @sholapey, it actually speaks volume about your person.

Focusingmore, i like your intellectual n logical abilities but then you were somehow aggressive with your response as you only focused on sholapey's comment on ireland then you went personal with her plus nigerian women...

People differs, we should understand that this is a free faceless forum... assume mr. Seun charges us per post or charges the words per comments... i think a whole lot of us would not waste our cash in exchanging words, some would even perpetually remain ghost viewers without commenting a word.

Hope to see you guys exchange pleasant greetings soonest or even meet in person since you guys reside there, if possible snap together but blurred the faces n post here

[quote author=Satoshi2019 post=89948241]Nor mind d so-called tomatoes seller. God bless u dear. My first tbills was 150k. Now I have 2.5m chilling in acc. God bless our hustle

Detail us nah...
Na so dem dey give testimony? Huh?
Biko come back & give us full details, lets share in joy...

tracyorez:

Hi,i like going through this thread without commenting because i have really gained alot.
The percentage of persons likely to succed with this your approach is very slim compared to what we have learnt here and if atall the few do succeed,they dont usually sustain it like the real investors.i will give you an example,my hubby bought a clean 2012 camry last year from a desperate guy for 1.5m who climbed to the top through the route you mentioned because he needed to feed and as i am writing this now, everything in his flamboyant appartment has been sold and his current whereabout unknown.
Note*I am less than 30.
With the advice i got from here i started tbills in 2017 with about 2.1m and i was able to compound it to 5.3m as at dec last year.
As i am writing now i have additional 920k cash not the ones i have used to buy gold and some few new wardrope waiting to add to it once it expires and also re-invest.
So imagine if i stumbled on this thread like 10 years ago.
Please be wise.

Inspiring
Please can you in a nutshell share those advises you learnt on compounding... we just joined the group and may not be opportuned to read those lines again...

Just summarise or give us guidelines
We are here to learn
I want to be like you