₦airaland Forum

[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.

be Careful

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

Debitcreditcard:
The only problem in this Saturday election
Na Hausa. Those people, suffer no Dey tire them

The NORTH as Usual will Determine the Outcome of this Election....
Who ever the North selects, wins

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

know this and Know peace

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

AndrewTate:
plot twist!
What you get with the said “money” is far from love…

He actually meant "with Money, you Get any Woman... you want."
He didnt really mean "Love"

wunmi590:


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

i see things have changed.

FreedomArmy:
another mans land?My friend shut up. We own Nigeria together

Good , then You Would have Said :

Infact you must bring old Naira note to marry one of their OUR daughters.

Let's Promote Love and Unity.

FreedomArmy:
Yes tinubu urchines are still accepting it here in iragbiji town. Infact you must bring old Naira note to marry one of their daughters.

You Reside in another Man's Land(Greener pasture).....
and you feel its Proper to still Abuse the indigenes on that Place

That's amazing....

tboneybone:
Has anyone seen this?

From the Colors, MTN is the Main Chic and ETI and GLO are the Side Chics.
Interesting.....

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.

: https://www.zikoko.com/money/naira-life/cash-scarcity-in-nigeria/

wow

4ward4:
definitely they aren't married, no married folk can have such amount of sex .Bills and fear of multiplying will keep them from. it

Multiple Salute to this Comrade!

Richy4:
Be firm with him when issues of UK or joining her mother comes up.. but other than that, please be nice...he is a teenager and they make mistakes...It won't be Ok for him to know that no one cares...U are the only link now between him and his mother's siblings... Apply wisdom on this buddy...

Teenagers of this days are not strong as the '80s and '90s... Every little thing, their mind goes on suicide... Just hang in there for him man no matter how exhausting it might be... That's the ugly and challenging part of being an uncle... I wish that title can be renounced sometimes..

very key

Janesouthall:
Na wa ooo....so all you are interested in this story is the cousin contact....shey ladies don Finnish for ur area ni....

UK is the Juice....

KeyEndurance:
The Truth Is That Anytime he borrow Me Money We must Still Spend It Together Again because At Time I Use The Borrow I borrowed From Him to Buy Food stuff and If i Cook The Food we Will Still Finish It Together

in that Case,
You guys should start contributing 50:50 to the food Money, preparation, and Eating.

so you can save some money.

Komu1048:
Wow, thanks a bunch. U really helped.


Don’t mind the lab tech guy. Have been begging him for some days now to even send it to me, before he could ehn . He said I should come myself and I’m far from the place I had d test that’s y

if you have money, Take the Injection form of the Antibiotics. (ask your lab tech person)
it is the fastest to cure you.

Komu1048:
Please who can interprete or render help, I’m a ttc


Thanks

from the Result,

You have a High Volume of Staph

The Antibiotic that can help you Kill/check it is the ones with 3plus(+++)

the one with (R) cannot kill it (Resistant)

I think its more effective if you use antibiotics in an Injection form although it is more expensive than taking the Tablet format

DISCLAIMER:
Guy, You should tell the lab tech person to also interpret the Result for you naa....
and also Ask them How much for the treatment with the correct antibiotics.
it could be as much as 40 to 50k for injection for 5 days

your pocket will determine.

Take the treatment Quickly (A stitch in time same 9)

Bradford111:
Hello everyone it's been 3 months since I had sex with a random girl and having been having boils coming up only my dick every time.

Taken a lot of drugs and even rubbed tubes like funbact act A and some other antibacterial the boils would go but when I stop using the antibacterial cream they will resurface.

Please I need advice on how to go about this am suffering and so uncomfortable right now.

Did you use Protection?

CodeTemplar:
Seun pls do something about useless GIFs eating people's precious bandwidth like the one above moulding and throwing foufou for fun.
@topic, hustlers need to cement the stomach regularly. Not bad.

IS your Bandwidth that Small?
Try Reading in Offline Mode then.

Ficklemind:
Good evening, please how do I politely tell my married ex to stop bringing back our past memories?

My ex and I separated on good terms, he is AS likewise myself so we had to go on our separate ways. It over 6 years that we separated but we still talk once in a while. I don’t have any feelings for him anymore but I don’t know about him and I don’t have any intention of seeing him either though we are far away from each other.

I don’t want to block him and I don’t want to offend him ,but when I take a picture with a random male friend and I upload it on my status ,he tells me he is jealous that the guy is an idiot for holding me or touching me. Asking for my recent pictures and sending me my old pictures that I don’t even remember existed.

This guy is married with a child. How to I politely tell him to stop all this because I don’t feel comfortable with them.

You will change your mind easily.....Fickleminded

wow

godofuck231:
The fool no see the red wig say na stripper she be , who de wear orange and green off colours or tints for their head , plus nose rings ,em wan end her street hustle ?

The Guy wan Spoil he Market....
She was so Angry....

She Even Wan Smash the Cake for the Guy Head!
He barely escaped a Cake Smash!

falcon01:
Bruh let's be honest! You as a man should provide All that for a woman as long as she remains beautiful and Loyal, Relationship is Transaction and its your job your duty, your obligation to take care of her and her needs as long as she remains Loyal, and if you have a problem you are just a stingy fùck! If you can't provide that then she moves to someone who can!

As for the babe, I think 2 months is too small to start complaining.

After all Your Speech above, why are you now complaining that the 2 months is too small...
She should be billing you 500k/month from the very day u initiated a conversation with her naa.
and based on your speech, you should not comp[lain but do as she tells you, bro.
Good Guy! Body go tell you

TheboyGhost:
Lol omoh me weh dey always support women here don dey dumbfounded

She was doing better before the relationship cause she was getting a lot from other guys randomly and I believe in this part of the world nothing goes for free so she was obviously fucking around a lot.


From the chat I can tell the boyfriend was doing good before they got into a relationship and probably he got financially crunched along the line.

Sorry to say but that girl is a Nuisance and every other girl that thinks like her is a Nuisance.

Omoh I don weak, what did I just read....

God forbid my daughter grows up to beg a man for her hair and cream...

God forbid God forbid.

You are very Right!
I think that is exactly what the Statement( I was doing well ) meant :
Now, she had to Bleep and Get only from one Guy.

The Reality is that a lady previously getting from a Lot of guys (say 50 guys)... then suddenly gets committed to 1 can never be satisfied....
Because 1 guy cannot have the resources of 50 Guys!

Going back to the Streets is the only way to satisfaction (till 40yrs I guess) eye go come clear!

12345baba:
Y the slap nah ? Say ur no and go y d violence

if the Guy Returns the Slap now....
it becomes DOMESTIC VIOLENCE and HARASSMENT

Oowel:
are you sure quality of the drink is the same base on the price difference in all of these countries...

I doubt the Quality is the Same!

Heavensent01:
Buhari with his nonchalant and lack of leadership make this campaigning a stress for Tinubu and APC, hence his performance would have been shunning the propaganda of the opposition



if I was the APC Presidential flag bearer, I'll rather lose than allow that incompetent m0ron grace in my campaign



what does he want to tell those that will attend the rally? like to convince them to vote his candidate



so unfortunate Buhari that I love in 2015 is the same man that I'm hating because I don't celebrate failure like Peter obi supporters is celebrating and hyping obi they cursed for 8yrs

That's Politics for You...
Politicians are all the same...
Always manage Your Expectations...So you would not be 100% disappointed.

The key is to survive.

DamiAyo17:
Went to d mkt on Saturday to get some stuffs...told d woman selling fish if she will accept transfer..she said yes but she will charge 1k for #4500, I begged her to collect #500, she no gree...naso I waka go house empty handed without buying anything ooo
Couldn't make anything during the weekend

its her loss...

Sltp:
Where in the world would this not happen? Have you ever stepped out of your village or state to conclude other people don't hoard? Did the average Nigerian create the scarcity? I was in Europe during the Covid 19 and humans are humans everywhere. Bash the incompetent leaders and stop talking bullshit.

During Covid, People Abroad were Hoarding Nose-mask and the likes
it's a Human thing to survive while others should die if they like

geementontop:
Well i operate pos and making money the chargers I give to people is not their problem as what is important to them is having cash at hand as I server as a saviour to the area because I operate a maga store that I always hav cash ,its said that Ala adighi nma bu uru ndi nze ( chaotic moment is an advantage to the elders of the village) ]now I am rationing it to make sure that it gets to everybody as I'm talking to you I don't give more than 3,000 because I don't want to give too much money to one person and others remain I am not enjoying the situation it is becoming totally unbecoming

The Question is:
How much do you charge / 1k

Helpfromabove1:
Were they given license in the first place


So if you did not give it what do U want to withdraw

Anybody can get pos for his or her business and they pos can also be use for pos business

CBN mob 2.7tr as at last Sunday and only printed 900bn in an election period that politicians need all the cash they can get is a policy that will guarantee public unrest and protest but unfortunately the same CBN is now going after POS and banks for its own policy failure

CBN should accept its policy failure and work a good solution not going after POS and banks

Most POS operators Operate Illegally

R0LL0N:
Lori iro. Worst set of commercial criminals ever. It’s better we go back to trade by barter. I have iPhone 14 who get house? Make we swap.

You want to Swap an income generating ASSET(House) with a Liability (I-Phone)
very Funny!