Sometimes I feel I made a serious mistake going to the tertiary institution. I had my OND degree about 8 years ago after several months of job searching I realised I couldn't get a job with it and the OND is just as useless as ssce I decided to get a better degree I wrote jamb I got admitted to the university 5 years ago to study engineering. Now in a few months to my graduation (if ASUU call off the strike) I feel I made a great mistake going back to school. I feel all the efforts, time and money is be wasted. I feel going back to school was a mirage cus after school will I still go back to the street as usual. Do you ever regret going to school?
No Matter What, Suicide is not an Option.
It's not a waste, the way to go these days is to go to school and also back it up with a Handwork Skill when you have the 2 you have Guaranteed your survival
Dapagun: 2. The only way companies can increase their wage bill is if they earn more. If they don't earn more how will they be able to afford more for their workers? You said this will happen on the second day. Does this man have a magic wand somewhere?
He is not thinking about Generating Income.... He is Busy Thinking about how to Share the Money Seen in the Vault.
Fahvvy: You're missing the entire point ... Women being approached is not the issue here, a woman WILL ALWAYS be approached by men especially if she's young and pretty!!
But the question is "what's their motive for approaching her?" ...
Believe me, for most of the time it's just for nacks ...
Out of a 100 men that'll approach her, she'll be lucky if 5 men are actually serious with her, but guess what?
She'll turn them down!! Thinking she has "options"
And the illusion of options steams from the number of men (100) she sees approaching her, not knowing that her "options" are a whole lot smaller (5) than what she really thinks ...
Her eyes will only open when she gets older and by then, even fewer men will bother to take a second glance at her, that's the point!
You are So Right.... The constant 100 men approaching gives a false impression that: Options are Plenty of which like(5 out of that 100) that was Ready to Settle is actually the Real Option to be Selected from.
Her Job (which is really really Difficult) is to be able to Recognize these 5 of the 100.
once Age sets in. 100 approaches dwindle to 20 or fewer (with 1 to 0) ready to settle
Now, Panic Sets in to Recognize the Serious ones that in reality are now 1 in 20 approaches or 0 in 20 approaches
Most Yoruba youths who voted against Tinubu and who want to vote SanwoOlu out, most of whose primary reason was because of the ENDSARS incident do not know that their "Messiah" sef get questions to answer as regards SARS activities while he was governor and he has never openly condemned them during the struggles that culminated into the ENDSARS incident.
A certain James Nwafor who was in charge of Akwuzu SARS in Anambra was declared wanted just after the end SARS wahala. He has been very much linked to Peter Obi, when the government set up an inquiry just like Lagos State did into his involvement, instead of Peter Obi to appear to defend himself he hurriedly got a court injunction to stop them from questioning him.
Our people have been brainwashed, the whole Obi movement is nothing but HOGWASH
Just listen to this video you will understand better, this was an interview aired on AIT even before Obi became the candidate of Labour party.
computer0810: I have watched the video of the mother of LP governorship candidate speaking and insulting the yoruba's......I will advice the yoruba's that voted obi to reason deeply b4 voting in same direction for d governorship candidate
Soulvein: Shebi na person wey get money dey do midlife crises. The average Nigerian has a lot of financial responsibilities and they are always working hard daily to make ends meet. If you have a problem with alcohol addiction, the best person to see is simply a therapist.
in your 40s, if you unconsciously Assess yourself financially or by Assets or level of income and you find out you are below par, This crises could set in....
for example, at 45 yrs, 1. if you don't have any income generating Asset like a Business or Rental Apartments 2. if you are still renting apartment with No Land / personal Home building project at 90% completion 3. if you have very low income like 100k/month and have 4 kids that are still young and you are straggling to pay the bills. 4. if you don't have a personal car while all your juniors seem to have gotten more than one 5 or you have a Nagging wife that sees nothing good in you or doesn't appreciate all your Sacrifices....
the list long.... they contribute to a lot of loss in faith, massive Anxiety and fear of being seen as a FALURE in Life or being poor and miserable at Old age.
YOUR Focus: 1. is to Keep reminding your self that: Your job is to Survive no matter the person in power 2. if the person you want as president wins, you still need to work hard to Achieve your own personal GOAL if not Na still Hunger 3. You have to identify the problem and solve it if you can 4. Keep the Faith as you Work your Action Plan to achievement 5. Cut the Drinks
Wagwanbrethren: No man born of a woman can reverse the case. He's the president elect, and I don't see anything changing that.
Even the court! "Na we get Nigeria, supreme court" una go cry tire! 🤭
By the way who else saw labour party's candidate past post on twitter where he was openly displaying his tribalistic attitude, why's no one talking about that? 🤔
I am 32 and For like 3months now I have been having this penile thick Discharge whenever I pass stool.
This only happens when I pass stool, I have visited several Hospitals FMC (GOMBE) SPECIALIST (GOMBE) then moved to abuja GENERAL (KUBWA) and private (KELINA & PRIMUS) . did urine/stool test yet they would say they spot Nothing. At both FMC,SPECIALIST,GENERAL only to prescribe Antibiotics and other medications UTI/STD which I take and the symptoms stopped after some days it would comeback. I have spent more than I can account on this treatment yet it just won't go away. Our doctors here in Nigeria can’t explain the cause because some would say It's UTI others STD.
Note: even tho i am not Sexual active, I have never had sex with anyone before. in fact I am still a Virgin! Yes at 32.
The last hospital I went Was KELINA(A Turkish owned hospital,those in Abuja Gwarimpa would know it) I spent a huge amount over 130+ yet still after like 2 weeks this same issue is back. Left Kelina to PRIMUS and did full CT and also kidney/kidney stones Scan at PRIMUS( Indian owned hospital in Karu Abuja) my kidneys are okay nothing found, spent over 200+ for the scan and some drugs.
I just had to bring this issue here!!!
Other symptoms are At times finding it hard to urinate quick Split urine And lower back pain
Please find images below (Image 1) the last medication I was on, got so angry that I threw away the other packs because I was so pissed When I caught the Doctor using Google as I explain my issue to him. I Was able to find this one tho
(Image 2) last stool test result i did, can't find those of the urine
(Image 3) Discharge
Please someone should help me, before I end up with ED or impotent in future.
Bros, Test cannot Lie. i don't think anything is wrong with you.
you see, when you are not sexually active, this can happen: Discharge of Sperm during SLEEP(wet dream) and when using the Toilet.
rickyamos: Is medical sales rep for pharmaceutical companies a good job for a young graduate?
Take the Job, but look for a better one.... For most Low end sales jobs, the salary is around 40 -50k you can't pay bills with this... and they will use you die...
Note there are different categories of sales .... Technical sales (that has to do with specialized knowledge in a field / technology) could be very rewarding (salary like 150-250k)
Jimbadly: Your best bet is to visit a dentist. A dentist will carry out a procedure on your teeth to whiten it and your teeth will brighten.
It's funny that we only visit a dentist when we have serious teeth pain. Most of us are not aware that a dentist can make those brown or stained teeth of yours white again and also realign badly arranged teeth and properly file jagged teeth.
Is it true that any procedure could cost as much as 200k?
[quote author=IyaTola post=121098919][/quote]Guy be Very Careful of Job offers Outside your Comfort Zone / Current State of Residence They Could be Fraudsters or worse
Always Check the Integrity of such companies before embarking of such journeys especially Juicy offers like: we will take care of all your expenses, Transportation, Lodging etc.
ewa20buredi100: I have a neighbour who resides in Benin city, works as a Physics teacher in a private school and earns 60k as salary, plus extra 55k as a private lesson tutor.
She was recently given a job offer, after applying, in one Microfinance bank in Trade fair, Lagos state. The Microfinance bank has its headquarter in Europe. The pay is 76k for the first 6 months. After which there will be an upward review to 96k.
Problem is she doesn't know which one to choose, as she is tired of teaching and life in Benin. And wants to experience Lagos life.
I wanted to tell her of the life, stress and traffic in Lagos. But had to withdraw, because I haven't been in Lagos for years now. So chances are that i may tell her what is not true.
And secondly, she has no accommodation in Lagos, but wants to go stay with a friend.
I do not know what to tell her.
Your suggestion highly needed.
Thank you.
Remain in Benin. @76k, That move to Lagos...is Like Suicide
Kingpele: Tinubu should settle his problem afterall he created lagos and everything in it...but I don't know why some actors end up poor after decades in the industry...I think actors waste money during their prime more than actresses.. actresses spend less and still flex more than actors
So after all these Years, you don't know the secret of the Bolded. Women don't need to spend to Flex or Live comfortably.... Just be a Lady, if you come fine join....Na Enjoyment pata pata be dat! Her 20Million for Account don't need to be touched as Long as Men (boy friends/HusBank/helper/Friend) exist
olisaEze: Where’s the lie there?? Even all those "God when" & "God am I a piece of wood" crying upandan on Social media girls will slam the door on your loving face fast if you ever darken their doorsteps with nothing worthwhile in your pockets! Their 'God when' is not for broke boys still passing through the shadow of the valley of life experience. When you make it through and the table has finally been set in the presence of your enemies, then you can come calling so she can help you pepper the enemies on ur behalf.... with ur money!
and just Hope you don't experience another Downturn...... she go JAPA N
If you have ever worked in a call centre, you will have o submit your phone in your box and lock it up before going in....
Make call no go enter your phone while speaking with customer...
Nobody told me to carry myself away from that profession when my ear want bloc for almost 160call per day
Back in 2007-2009, The Call center Persons with Telecoms were the BIG BOIs and LADIES of the work force Especially if you were working with GLO, MTN or Econet
BigCabal: What is your first memory of money? I’d say it was earning my first salary at my first job. 15k in 2011, and I’d just finished secondary school.
Why was this a significant moment? My mum didn’t want me to get a job because she wanted me to go to school, even though it was almost impossible at the time. She was raising four kids on her ₦20k teaching salary. At numerous points, she picked up extra tutorials and even had a small shop, but what she made was barely enough to cover the family’s basic needs.
You must have noticed I haven’t mentioned my dad.
I was waiting for us to get there. Where was he in all this? I’ve never known my dad to keep a job. He was a real estate agent, but it was never a regular stream of income. So he didn’t contribute financially, even though we all lived together.
My mum carried all the load as best as she could. We lived in a single room until we could afford a 2-bedroom apartment. I didn’t even see a TV set in our house until I was 16 or 17.
Ah, I get it. Back to the job I knew working was the only way I could help ease my mum’s financial burden, so that ₦15k was everything. My boss liked me for some reason and made me a supervisor, so I didn’t have to operate the machinery or do any heavy lifting. However, I walked almost 40 minutes to work every day the entire time I worked there, which was about two years.
Out of curiosity, what could ₦15k do in 2011? It wasn’t what you would call big money, but it was good for me. For context, a bag of rice was about ₦7- 8k, and I could get a pair of jeans for less than ₦4k.
This job gave me my first taste of financial freedom.
However, I quickly realised I wasn’t good at keeping money, so I did the next best thing.
What was that? My older sister was much better with money. Somehow, she always managed to keep money aside for future use, so I asked if I could save with her. At the end of every month, I’d send ₦4k to her and forget about it. Two years later, I had about ₦92k saved. I left the factory job around this time too.
Why did you leave? A guy I worked with at the factory had moved on to a security company. In 2013, he reached out and asked if I’d like to join him. I got the job and my pay jumped to ₦25k.
In the beginning, I worked single 24-hour shifts and took the following days off. Later, I picked up extra shifts on my days off. My salary increased to ₦45k, but I also had to go to work every day. This went on for a year and a few months.
In 2015, my former boss at the factory contacted me to tell me he could use my help. He offered me ₦30k/month and an opportunity to work night shifts to increase my earnings. I accepted the offer — the pay wasn’t as great as what I earned from my double shifts at the security company, but at least, I didn’t have to work every day of the week.
That makes sense I should mention, I’d increased my monthly savings to ₦10k/month.
A few months after I returned to the factory job, my mum picked up the conversation about my returning to school.
See, it took a lot of strength to agree to it. I feared that returning to school would affect my earnings and cash flow. Secondly, I didn’t feel particularly book-smart. But my mum wouldn’t let it go. In 2016, I got into a part-time programme at a polytechnic. I was 21 years old.
How did that go? The polytechnic is in another state, so I quit my factory job. One of the first things I did upon resumption was to find another job, and I started working as a security staff again. My salary was ₦25k and I only worked single shifts because of my class schedule.
Three years later, I wrote my final exams and got my diploma. =
Well done Thanks, man. This was 2019, and I’d managed to save about ₦200k with my sister’s help. When I returned home, I started planning to launch a business. First things first, I needed more money to raise some capital. So I returned to the one thing I knew how to do and had contacts for.
Another security job? Yes. I picked up two shifts and earned ₦55k from both. Fortunately, one was at an office that closed by 4 p.m., giving me a break for the rest of the day.
The goal was to save enough money to raise business capital, so I started keeping ₦25k with my sister every month. I was also sending ₦20k home to my parents, so I was relying on the tips — anything between ₦500 and ₦1500 — I got during my shifts to cover my basic expenses.
I finally quit in February 2022 after saving ₦500k. It took three years, but I could eventually leave the security gigs behind and start something of my own.
Whew. Did you know what business you wanted to pursue? It took some time, but I decided to start a POS business. A close friend had been in it for a few years and promised me it was profitable for him. He was making about ₦15k per day, which I thought was fair.
The only problem was I still hadn’t learned to handle cash without spending it. But I braced myself and decided I would be disciplined with money.
How does someone set up an agent banking business? First, you need to find a suitable spot, preferably one where people can easily find you. Then you find out who is in charge of the spot and talk to them about renting it. If it’s a piece of land, you need a kiosk or something you’ll use as a shop. Most importantly, you need to apply for a POS machine. My friend helped me apply for mine — I submitted documents, paid ₦30k, and got the device almost immediately.
The whole process cost me about ₦100k. I kept another ₦100k in the wallet and ₦200k in cash. And I was in business.
It started a little slow as I was making between ₦1500 and ₦1800 every day. But when I considered that I was making about ₦70k a month — more money than I ever made at any of my security jobs — I saw it was a good call.
My customer base increased in months, and so did my earnings. I’m not even sure when it picked up; one day, I just realised I’d started averaging ₦200k/month. This was in the second half of 2022.
What did this mean for you? I could take better care of my people. I increased my parents’ allowance to ₦60k/month and picked up a couple more financial responsibilities within the family. It also meant I could expand to a new location. Unfortunately, this didn’t work out as I hoped. I wasn’t making enough to cover the costs of operations, so I shut second shop down.
Finally, I figured it was time to get my own place. I found an apartment in December, and the rent is ₦170k/year. One of my goals at the beginning of 2023 was to raise capital for a new business venture. Now, I’m not sure it’ll be possible. Not when the business is being threatened by the Central Bank of Nigeria’s cashless policy. I can read the writing on the wall. POS business will be redundant soon, and it’s giving me sleepless nights.
When did you first think there might be a threat to your business? From the moment the CBN announced the naira redesign and new withdrawal limits. My first thought was, “It’s time to sit up and think of what is next.” I can still manage for the next two to four years because I don’t think Nigerians will fully switch to cashless transactions before that time. But I also want to be proactive. The current cash scarcity is a sign of things to come, and I need to prepare for the worst.
Speaking of, how’s the cash scarcity affecting business? I’m making more money now than I did in the previous months. The problem is it’s difficult to get cash to operate. Walk me through how you source cash these days
It takes a lot of planning and strategy. I leave my house at 5:30 a.m. to beat the ATM queues. And if I’m lucky, I get to withdraw money from one of the machines. The sad part is most banks don’t allow you to withdraw more than ₦20k per day. Luckily, I have multiple bank accounts. Between them, I withdraw up to ₦100k daily. But on days when I don’t get money from the banks, I buy money from businesses that operate with cash — mostly filling stations and wholesale stores. For every ₦100k I get, I pay them an extra ₦6k. It’s stressful and more expensive, so the withdrawal charges have increased. Before, customers only had to pay ₦100 or ₦200 for withdrawals between ₦1k and ₦10k. Now, it’s ₦400 to withdraw ₦2k and ₦1k to withdraw ₦10k.
At the end of each day, I make between ₦13k and ₦15k. More people need cash, so the volume of daily transactions has gone up.
How do you feel about it? I’m not happy about the increase in withdrawal charges. However, if I don’t get cash, I can’t open the shop, and I won’t make money for that day. It’s either I make the best of it or close down the business.
Isn’t there a workaround that would benefit POS agents and customers? It’s out of our hands. The banks need to give people access to their money again. The withdrawal limit at the ATMs is currently ₦20k/day, which doesn’t work. When the banks start paying people money over the counter, and the ATM withdrawal limits go back up, everything will return to normal. I expect this will happen before the end of February or when the elections are over. So how are you planning for when this business isn’t profitable for you anymore?
The plan is to save up for a 2006 or 2007 Toyota Corolla and sign up to be a driver on Uber. Sadly, this will cost me nothing less than ₦2.5m. This same car was about ₦1m two or three years ago.
The second option is to become an agent for online betting companies. Nigerians gamble a bit, and I like businesses that give me cash flow. I believe I can make this happen by 2024, and I shouldn’t need more than ₦1m to be in business.
I currently save ₦150k/month and have ₦600k in my savings. If nothing changes, I should raise the capital I need by the end of the year. I wish I could save a minimum of ₦200k every month, but that’s not been possible.
Why not? Family obligations. My sister is in fashion school. I pay my parents’ rent and send them a monthly allowance. Also, my dad was recently diagnosed with prostate cancer, and his drugs cost ₦20k/month in addition to other hospital bills.
I’m really sorry about your dad It’s all right. I love that I can take care of these expenses even if it means I can’t save as much as I’d like. My thinking is, I’ll still do everything I want to do; it might just take me a longer to get there. I don’t think it matters how long it takes. That’s a good way to think about it. How much do you make in an average month now?
₦200k – 250k from my POS shop. I make an extra ₦100k from trading gift cards on the side.
Have you considered other financial management options besides saving? I feel like I’m a little late to the party. Everything I know about financial management is from accounts I follow on Twitter. In fact, I only stopped saving money with my sister when I found out in 2022 that there were apps that could do this.
However, my constant need for cash hasn’t allowed me to explore financial investments. At the moment, I can’t leave money compounding for years because of my short-term plans.
Where do you imagine you’ll be in five years?
I’d have started another business. The only reason why I want to try out transportation or online betting is to raise money for my long-term project.
I want to open a pharmacy and supermarket within the next five years. I won’t run the daily operations of the pharmacy because I don’t have a license, but I’ll put the money down and be in the background. I’ll need about ₦6 – 7m, so it’s my long-term saving goal.
I think I’ve done well considering where I’m coming from, which is why I believe I can pull it off. Money gives freedom. As I earned more money over the years, I’ve been able to do things I didn’t think I could.
How would you rate your financial happiness on a scale of 0-10? I haven’t totally figured out a primary means of income beyond the POS business. If I had assurances it would still be as profitable as it is now in the next five years, the number would probably be 8.
But there are no assurances. It’s okay, though. I saved my way here, and I don’t intend to stop now.
Education › Re: Do You Ever Regret Getting A Degree? by OvertheTop(m): 1:10am On Mar 12, 2023
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