₦airaland Forum

Unless you are a fraudster trying to launder stolen money I don't see the reason why you'd pay a deposit to buy a product then change your mind halfway.

Ok do verification to avoid regulators fining them for aiding money laundering you're crying.

Some Nigerians are just impossible to deal with.

The most ridiculous thing I have seen on Nairaland is when Seun or his moderators will post an advert and then lock it to prevent comments.

I can assure you that 99.9% of any Nairaland member who sees such advert will never patronise it because people will always want to know the experience of others who used a product or service before committing their own money to it.

By locking the advert to prevent comments, you're giving the impression of hiding something and that puts people off.

Stop it.

Update - One reason I created this solution is because the three weeks block on Nairaland expires and then you start seeing the toxic negative tribalistic comments again and you have to manually start blocking the users again.

This should not be so.

Blocking should be permanent and there should be a block list from where you can see those you blocked and an option to unblock them.

This is more convenient for users.

Facebook, Twitter, Tictok and most sensible sm platforms have this feature but Nairaland doesn't. Why?

I have been able to build an extension that helps you block Nairaland users automatically without you manually scrolling through various profiles.

All you have to do is paste all their usernames in a list within the extension and click Start.

The extension will visit all the profile on the list and block them for you one after the other.

This feature is very useful if you want to protect your mental health from the negative, tribalistic, retarded, unintelligent and toxic comments of some users who have dragged this forum to the dustbin from where it was many years ago.

I have called on the owner of the forum to create this feature for us for a long time now but he did not respond but thank God I have the time to learn coding now.

If you want the tool, drop a comment.

Based on popular demand, I'll share it.

AI would give Nigeria a more credible election than this archaic partisan and fraudulent INEC officials we have now.

Since when did Dangote and other companies start hiring and collecting employee details with Google forms?

Hope these are not fake job adverts designed to collect information of Nigerians for electioneering purpose?

Evaress:
if you block the trolls online, what about the ones you meet offline, how you gonna handle them?

People are more likely to behave like trolls and in other socially irresponsible ways online than offline.

Judgement offline can be instant unless you live in the midst of fellow trolls and social misfits.

Anyone who feels it's okay to hip insults on you offline knows that he should be ready for a fight.

Anyone who continually ridicules or undermines you can be blocked (phone call) and ignored.

If this happens to the troll in real life at a large scale, they'll become social outcasts, alone and depressed cos nobody will come to their aid when they're in need due to their character.

This realisation forces them to behave better offline than online.

I'm not a fan of blocking but blocking is VERY VERY useful on nairaland and it's time Seun improves on the feature.

Blocking should be permanent and you should have a list of people you blocked so that you can unblock them if you so wish.

If not for the block feature I'd hardly comment on nl because this place is filled with propagandists, bitter and hateful trolls

Pexta:
You've concluded already.
So I'm extremely idle and jobless?

If you are busy and you have a meaningful job doing, you won't be in debt and poverty unless you're mismanaging the money you're making via drugs and gambling.

If you are busy with a job, you'll hardly be at home and be scared of someone knocking on your door.

If I add up all the clues you left in your post I'll say you have too much unproductive time on your hands that's why you are falling into depression, debt and poverty.

Maybe it's because you don't have good education or good skill that can help you get a well paying job.

Whatever it is, you need to skill up, get busy with productive work and change your environment else your issues will continue.

I have tasted a bit of what you are going through but one thing I never fell into is idleness and joblessness.

I always work and find ways to earn better so that I can solve my problems.

I managed the little I earned when I was earning poorly, so I cut my coat accordingly.

I don't borrow money to feed, cloth or house myself. Instead I calculate the amount of time and work I'll do, how much I'll earn and divide that earning into the expenses mentioned above then still find a way to save little.

And no, I wasn't born with a silver spoon. In fact, not even a wooden spoon.

So bro, fill your time with useful work or learning a productive skill that can push your earnings up so you can change your story.

Some people risk it and trek through the Sahara desert to get to a better country and environment where they can earn well if all their effort in Nigeria is coming to nothing.

If you haven't tried that or tried my earlier suggestion then you have no right to complain.

You have too much time on your hand and you're too comfortable in your situation that's why you are able to think unproductive things.

This is what happens when you are extremely idle or jobless.

Bro, travel to Lagos or Calabar and go to the biggest haulage companies there to learn truck driving. They'll give you accomodation and feeding for 6-12 months during your learning and after that they'll pair you with an experienced driver.

From there you'll be given your own truck and that way you have successfully escaped all this idleness and the depression that comes with it.

In all you do, stay away from drugs otherwise your problem will continue and you'll never have a mind focused enough to go on this journey.

Lzkdy:
Unfortunately, school in naija now, is about acquiring certificates by sorting your way for grade and nothing more. Even employers know what is going on, so they most times prefer the people that school abroad

School is not a scam.

If you go to school and bribe your way to get grades, your brain, hands and legs will not automatically get the skills and knowledge to solve problems and be useful to the society.

When you apply for jobs, you'll fail interviews and assessments because you don't have what it takes.

A serious employer looking for competent employee will set the right wage and a rigorous screening process to get who they're looking for.

It is employers who are looking to underpay workers as well as graduates who bribed their way through school or finished with a poor grade because they don't have the flair for theoretical education that complain that education is a scam.

If you are skilled at solving problems that a lot of Nigerians have, 90% of Nigerians, you'll make money.

Acquiring the skill to solve that problem is EDUCATION.

How you now choose to acquire the skills to solve the problems determines where you end up in life.

If you are naturally good at fixing things with your hands and then you choose to go study public administration, political science, sociology and some other useless courses in a university then you'll cry later on in life that school is a scam.

Meanwhile it is you that did not make the right choice based on your natural talent, capability, interest and financial resources.

So sir, school is not a scam.

Go to university if you are 18, you have finished secondary school and you have the financial means to complete university education but combine your education with any skill listed below to avoid stories.

And make sure you graduate with a first class or second class upper.

If you don't have financial means for university education, start learning good handwork immediately after secondary education and make sure you have your WAEC or neco first.

Farming, Roofing, masonry, plumbing, electrician, welding, phone repairs auto mechanic, auto electrician. Learn any of these and you'll never lack in Nigeria or outside Nigeria.

School is not a scam just that we don't follow proper direction to educate ourselves to solve problems that people are ready to pay money for.

Education is not a scam. Just don't rely only on classroom or theoretical education else you'll cry.

Mwhite:
I didn't marry a yahoo boy. I am very principled. I would never marry a Yahoo boy.
There was never a time that there was any money. From the word go, I had to sort out my problems myself. I didn't mind because I wasn't looking for luxury. As I said earlier on this thread, I was looking for a good man.
It was a long distance relationship. I never visited, so it gave him the opportunity to tell me lies. He told me he was into something, an honest means of living, nothing much. I just don't want to be specific about the details. I felt we could actually grow together.
But then I arrive, and discover that every single thing was a lie. His character or person is not something that is hidden. It's just unfortunate that I didn't live around, I didn't visit, which made it impossible for anybody to have told me the truth.
When I first arrived, people were literally shocked that he got married to me because it seemed unbelievable judging from his person. It's a long story.

You've allowed yourself to be brainwashed into thinking you're too good or too qualified for the man you married.

With your level of education and exposure you should have been able to do basic research to understand the kind of man you're dating and if he's worth settling down with.

If you skipped that research, then you should also skip every reason your mind is giving you now as excuse to run away from the marriage because that union is no longer just about you and him, your interests and what you love.

So long as there's a child involved, you have to consider the happiness and welfare of that child too before making any decision.

That means you have to explore EVERY possibility of making the relationship work before you give up.

After exploring those ALL those possibilities, you can then come here to seek validation to wanting to leave your marriage from people that didn't join you guys together.

But first of all, stop listening to those telling you that you're too good/qualified for your husband.

If it's just your head telling you that because you are now close to getting a nursing qualification, pray to God to take away such thoughts from your head.

Secondly, begin to have more open and honest conversation with your husband about the future. Start by greeting him every morning and asking about his day.

Ask him light questions and listen.

Show genuine interest in what he says and see where you can chip in.

From there you'll understand what you need to do and how you can help him become the type of man you want.

There's no ready made man out there.

We were all forged by different life experiences and we don't sit around waiting for a single mother to come pick-up.

You really need to fix the communication problem with your husband.

Mwhite:
Hello, good day.

I'm a 31-year-old woman, a graduate of one of the federal universities in Nigeria with a first degree in one of the science courses. I'm currently studying nursing in my final year. I have one child, and I'm currently considering walking out of my marriage.

Here is why.

I've been married for five years. Throughout the marriage, there have been cases of physical violence. Even though I wouldn't describe it as over the top, if it has happened before, it could surely happen again. Some of these incidents occurred while I was pregnant. We fought physically, with punching and all that, while I was pregnant.

I walked out of the marriage the first time but came back after there were promises of change, doing better, and all that. I have tried my best to put what I believe is my best into this marriage, but I've made so many discoveries during the course of it that have broken me. I eventually grew through some of them, including discovering that the person I married had done a lot of things that were wrong. I don't want to go into details. I also discovered cheating, which was what actually prompted me to walk out the first time.

After many talks and promises of change, I stayed back. But here I am again, currently considering walking away because this person contributes almost nothing towards the care of the family. Well, not absolutely nothing, but the contributions are very inconsistent because this person has nothing doing. When I say I've lived for years with someone who doesn't have anything doing, I'm very serious about it.

There are always talks about how things will change and get better each time I want to leave. But I think I've come to a point where I need to prioritize my sanity and myself. You know, when you're with someone who talks big but just cannot put in the work and dedication needed to make those dreams a reality.

You'd be surprised that I'm the one taking care of most of the family responsibilities because I happened to go into content creation. Right now, I'm struggling because I'm in my final year. I have a lot of financial responsibilities. Even though I earn some money from content creation, I still have to put most of it into the family because I'm the one carrying most of the bills, even though I have exams to prepare for.

Now, I'm not saying all my decisions are based on money because when I entered this marriage, I already knew there wasn't much money. Even the wedding itself was a very small affair. I knew there wasn't money, but I saw someone who talked big. I thought there was potential. But when I got in, I discovered some terrible secrets. There has just been a lot.

I don't know... there's so much that I can't completely break down here.

I've been talking mostly to AI, ChatGPT, about these things, and I've come to realize that this is not enough. I need human beings to interact with me.

My family is not really in support of this. You know how African families can be. They don't like separation or divorce. But I'm 31. I'm still very young, in my own opinion. I believe I still have a lot ahead of me.

I keep asking myself, "Would I want to still be in this situation with this same person in the next five years?" And I keep coming back to the answer: no.

But sometimes you wonder if you're making a mistake, if maybe you should give it one more try. But I've tried. It's been five years, and things are only getting worse.

This is something that even people from his own family have realized. It's not just me saying there's a problem. Other people can see it too.

So I want to know: would I be making the right decision if I leave?

I'll be writing my final exams in September and my council exams in November. I'm wondering if taking that step after my exams would be a mistake, or if I really need to walk away.

The reason I only have one child is because I've hesitated so much about having more children with this person. The thought of having another child with him fills me with dread. I'm so scared of being tied to this person even more. I already have one child who is four years old.

I don't think that's how a person should feel in a marriage.

I've been accused of lacking commitment, but I know it's not a commitment problem. I'm just not seeing what is worth committing to anymore.

Please, no insults or comments saying this story isn't real. It is. There's a whole lot more that I can't go into here. This situation is much deeper than what I've shared.

I just want to know what you all think. I know that, at the end of the day, I'm the one who will make the final decision. But one or two human opinions, especially from people with experience, could help me navigate this situation.

We've actually been separated for about a year—not by my own choice, anyway. But I've never been happier. I genuinely love the fact that we've been separated, for reasons I don't want to go into here.

I just want to know what you all think.

Let me assume the worst - you married a yahoo boy and now that the government all over the world is turning up the heat on them, yahoo no longer pays and with that money coming into the family from his end has dried up.

For you, I don't know which is the worst between settling for a man you must have seen the signs that he's a yahoo boy or now wanting to run away primary because his yahoo didn't pay off which would make you a gold-digger to put it more bluntly.

What can you do?

Before you quit, have you considered actually changing the direction of his life towards being self-sufficient and being able to provide?

Have you looked at possible skills he could learn to be able to provide for the family?

What about the child?

How close is he to the child you have? Even without money is he present, taking the child to school, moulding, shaping and guiding him/her?

Are you prepared to leave that child behind with him to go start a new family with someone else?

Some very selfish and self-centred women do this so don't think you are the worst amongst them.

Finally:

Is there any chance that the man will turn a new leaf?

Have you had this sincere and honest/respectful conversation with him to let him know how you feel about the situation?

His response should tell you the direction your life is headed.

Instead of giving him fish with the money you make from your hustle, teach him how to fish so that he can get back on his feet and take charge of his family.

Find a polite way to let him know what you expect of him. Be specific, not generic.

Nudge him and encourage him. Don't pet him but don't nag either.

If all this fails then you know you have tried your best. And so, you it'll be easier for you to make a definite choice on the direction of your life.

Don't just rush into anything that will throw a curve ball into the life of the young child you already have.

Once I enter a thread and start reading comments, I exit the thread immediately I get to the first negative or toxic comment. You'll definitely see one before you read the first 5 comments.

This causes most people not to drop comment on a thread. That's why threads no longer reach more than 1-2 pages.

Seun, the toxicity and negativity is too much.

The block feature is good but it can be made better because I don't want to see posts and comments of all those I've blocked coming back after THREE WEEKS.

Members should have the ability to permanently block those who spill out negativity and toxicity.

Better still, members should be able to see a list of those they have blocked and then be able to unblock them if they so choose.

This will reduce the tribalism, negativity and toxicity here.

If you had asked for advice before moving out, I'd ask you to consider if you now earn enough to pay your own rent, feed yourself and pay your education fees and other expenses.

If you can, then no point going back.

But going back now will be like eating your own vomit.

Just focus on building your skill well and have excellent customer service in your tailoring so that you can get regular jobs and be recommended to others.

Be conscious of the fact that you will run out of favour with the person housing you now if you become a LIABILITY.

So you need to put your finances in order and get your own place or sit down and negotiate the terms of your stay in your friend's place.

If you choose not to go back, send a polite text explaining the reason for your action then block her line so that you can focus on your life.

Don't think her begging you to come bag means you are indispensable.

Be wise

I have my prejudice but I'd like to hear your opinion. In the long term, should a married woman focus on business or being employed?

I found three young men 18-20 sitting on the steps of a church, smoking weed (kolos) or some pungent smelling grass and discussing how they'd use and pass around a girl who was toying with the emotions of one of them.

Would you stop and counsel such people if it was you?

The choices are limited to these:

1. Over 1.5
2. Home/Away Win - Regular time
3. To Qualify (Extra time and penalties included)

Most accurate predictions outside of the ones in the attached image will win something good.

In the video, he said the value of ₦10,000 he donated was more than the value of the entire stock of goods the women were selling.

So which year was that and what is the value of ₦10,000 then compared to now?

The transforming power of micro-credit.

Excellent validation for what #TraderMoni and #MarketMoni have been working to achieve (at scale!) since inception. @growthplat_me pic.twitter.com/kL9X6TKZeM

— Tolu Ogunlesi (@toluogunlesi) January 19, 2022

How much will it cost to start this business, both equipments, raw materials and running cost in 2026?

Who is this business suitable for?
Where is the best place to site this sort of business?
What is the profit margin?

NDSMELODY:
If I were appointed to head a Council on Foreign Intervention Promotion with a ₦1.3 billion budget for one year, my goal would be to make the council a credible platform that attracts international development partnerships, grants, technical assistance, and investment opportunities. I would focus on transparency, measurable outcomes, and strong relationships with foreign partners.
Objectives
Increase foreign development partnerships.
Attract grants and technical assistance from international organizations.
Promote Nigeria as a reliable destination for development cooperation.
Strengthen the capacity of government institutions to engage foreign partners.
Ensure accountability in the use of public funds.
Budget Utilization
1. Personnel Costs – ₦802,978,783
Recruit and retain qualified professionals in international relations, economics, law, project management, communications, and monitoring and evaluation.
Conduct staff training on donor engagement, proposal writing, diplomacy, and project management.
Provide salaries, pensions, and staff welfare.
2. Overhead Expenditure – ₦200,000,001
Office operations and utilities.
Local and international stakeholder meetings.
Public awareness campaigns and media engagement.
ICT services, internet, software subscriptions, and cybersecurity.
Monitoring and evaluation activities.
Administrative expenses.
3. Capital Projects – ₦300,000,000
Develop a digital foreign intervention management portal to track partnerships and projects.
Upgrade office infrastructure and ICT equipment.
Establish a data and research centre for donor intelligence.
Create a modern conference facility for hosting international delegations.
Key Activities
Organize an annual International Development Partnership Forum.
Hold quarterly meetings with embassies, development agencies, and international NGOs.
Develop a database of priority projects seeking foreign support.
Produce investment and partnership guides.
Create a rapid-response team to prepare funding proposals for international opportunities.
Sign Memoranda of Understanding (MoUs) with strategic partners.
Expected Results After One Year
Establish partnerships with at least 20 international organizations and donor agencies.
Secure commitments for development assistance that exceed the council's annual budget.
Increase foreign-funded projects in priority sectors such as education, health, agriculture, and infrastructure.
Launch a fully functional online portal for tracking foreign interventions.
Publish an annual performance report with transparent financial and project information.
Improve Nigeria's reputation as a trusted partner for international development cooperation.
Success Indicators
Number of partnerships signed.
Value of grants and technical assistance secured.
Number of funded projects initiated.
Stakeholder satisfaction.
Timely publication of audited financial and performance reports.
Percentage of annual targets achieved

This entry is disqualied for the following reasons:

1. It is AI generated
2. It lacks clarity and practical implementation steps
3. It doesn't answer the question of impact and results

What will you be able to achieve and how will you go about it if you are appointed to head a council on foreign intervention promotion and given a budget of ₦1.3bn for one year with the following breakdown?

personnel costs - ₦802,978,783
overhead expenditure - ₦200,000,001
capital projects - ₦300,000,000

The three best answers will win ₦5,000, ₦3,000 and ₦2,000 respectively.

Best answers will be chosen based on clarity, originality, practical implementability and impact.

Don't forget to follow me here on NL and X.

The lady is not working but she has good character and knows how to take care of the home.

She's also not the demanding type. She's satisfied with whatever you give to her.

Will you dump her and go for a working class lady?

Sowore fights everyone, VDM, Peter Obi, Atiku, everybody.

Now that the government has thrown him into jail, who will fight for him?

Aradel declared ₦23 as full year dividend for 2025.

This is a company that it's stock price is above ₦1200.

Why such a low dividend despite over ₦830bn profit?

nairalanda1:
This is not quite true, otherwise our forex reserves would have been way above 100 bn dollars by now.

1. Oil prices have been very high recently
2. Stricter fiscal polices...we are saving a bit more

AND EVEN THEN

3. It would have been much higher than this if not for the debt incurred by tinubu and buhari

Net reserve Tinubu met is $4bn

So far he's borrowed $51bn, some of which have been used to settle bills for project.

The rest is held by CBN and counted as part of Nigeria's gross foreign reserve.

That's why reserve appears to rise anytime new borrowing is approved and received.

If we repay 50% of our foreign loans today, Nigeria would be bankrupt and foreign reserve will fall below $5bn.

It's a perfect strategy to manage scarce forex by the master strategist.

Femmyfamous4u:
You are definitely not an Economist and don't have mastery of the subject matter. You are attributing loans to increased Foreign reserves?

You have data. Just do basic research.

Kemetian:
Why would we borrow money just to place in foreign reserves??

The president and the minister of finance should be able to answer this question.

Better coach come, better defensive midfielder comot.

Man U never ready to win premier league.

https://x.com/i/status/2068297082599797032

Connect with me on X (Twitter) every weekend (Saturday, 3pm) for spaces on interesting topics and giveaways:

https://x.com/intent/follow?screen_name=Ossanaquest

Do you know that forex (dollars) from foreign loans can be counted as part of gross foreign reserves once it's received and deposited by the central bank?

Now you know why Nigeria's foreign reserve is rising.

Tinubu is indeed a master strategist.

Connect with me on X (Twitter) every weekend (Saturday, 3pm) for spaces on interesting topics and giveaways:

https://x.com/intent/follow?screen_name=Ossanaquest