₦airaland Forum

This is how God should be working. People will be defrauded, killed, murdered, raped, kidnapped and the perpetrators will go Scot free. I don’t know why because Jesus came, God decided to just mellow. We need Old Testament action. If you commit, you collect. The days of Jehovah sharp sharp.

Are they really extremists or normal Muslims? Cos even ‘ordinary’ Muslims like Bashir Ahmed support death penalty for blasphemy. Dem no dey take their Prophet play o!!

superCleanworks:
she is well cared for already. my care or indifference makes no difference. Be human? have you ever fasted and prayed for those railway victims? Teach me how to be human. please furck off.

Go f*ck yourself. Did i mention fasting and praying for her anywhere in my post? Goat.

superCleanworks:
so what?
many families paying selling lands and taking loans to pay millions to kidnappers plus all the loved ones still in the bush just because they entered a train they paid for (over 4 months in the bush) and you want us to care about this? furrrrck off

All that doesn’t invalidate her pain. Be a human being!!!

I hope candidates for this election understand that Agriculture will thrive naturally in an enabling environment attractive to investors not expecting or forcing Nigerian youths to start farming. Because okada, Keke riding and Yahoo is now the order of the day.

EmiDior:
i dont know how to convince her that i am not satanist and meant no harm

Her or Him cos that moniker is male. Ayam not understanding.

God will frustrate the efforts of anyone who wan join EFCC to steal, blackmail, harass innocent civilians or share in recovered loot. After mumu police, na EFCC.

Peritome:
A man I know who was doing well in bakery just suddenly sold his bakery house with all the equipments therein.

I did confronted him on why he took such decision that we all see him as successful man in the business. He said, we won't understand & should forget what we are seeing outwardly that bakery business have gone south.

I hope all these ones still in business are not mixing their flour with something else. NAFDAC is not what it used to be.

dennis3888:
Good day everyone please i need your candid advise and opinion

Am about to leave my bank job of seven years with a salary of 100k for a new business note the business has already been set up already

my fears is that am married and you know what that means i have ready responsibilities. so am now having fears that what of it doesn't work (which have been praying about seriously).


probably the fears is just in my head. your opinion please

How much have you saved so far from your 100k salary? In case you experience difficulty in the bakery business, how long can you stay with nothing coming in without falling into depression? You need to think about that. It's good your wife is working so she can assist in case of anything sha.

But since you said the business has already been set up, maybe you can do evening/night baking and get a worker to handle distribution and everything else in the morning while you go to work. I believe you would have done your research about expenses, raw materials cost, power irregularity and all that.

liverpudian9:
That money wet u save get more to it and travel out forget bakery

This would have been a good suggestion but how much can he save from 100k in a year for travel purposes. Unless he has been saving all these years.

Peritome:
Have you carried out the feasibility study? In this administration, I'll advise you suspend such plan for now. Bakery items keep increasing daily if not weekly.

Bakers are crying in the news everyday about rising cost of production. At one time they even wanted to stop producing if i remember correctly.

Minjim:
Bakers are cashing out these days.

Imagine a loaf of bread for 1k. Bake 100. That 100k

Na so e easy!!! Haba!!

BobbieZion:
I have never liked this guy....

Buhari's appointees are brainless psycophants.

In 2015 kidnapping was not a normal occurrence that's why Chibok girls got so much attention and Jonathan was lambasted. Now thanks to APC and Buhari, kidnapping has extended to the east and south and they want to rule a second time. This is madness o! God please save us.

oloriooko:
113mil years footprints
haba people should be fearing God oooooo

This made me laugh!!!!!

Kingoftime50:
what of your TITHE

The church should even pay him tithe sef not the other way round.

Mcslize:
To an extent but it depends on if you are day trader or a swing trader. With your technical analysis and price action knowledge, fundamental won't have any influence on your setups if you are a swing trader.

I learned from one of the best. As in, this guy is just too good. I follow exactly how he trades. He don't bother himself with fundamental and we are all doing very well.

Top down analysis is a process of analyzing a particular price chart from a higher timeframe to a lower timeframe to project thousands of pips into the future, using past historical price movements based on your major key levels (support & resistance key levels).

Your major key levels are the zones or areas where price respected or retested multiple times without breaking past it. Price movements are mostly reverted at major levels which directly gives you clue of where the market will move.

With that top down analysis knowledge and a proper risk and psychological management, you will hardly lose trades. Cuz you will always look out for the best setups in the market. You will 80% of the time be able to ascertain the direction of the market. It's not magic. It's something you learn and will be so good in it.

Like my mentor will always say, allow the market to come to you and knock on your door. Don't chase the market.

Top down Analysis Strategy criteria

1. Identify the direction of the trend on monthly time frame

2. Plot your major key levels on the weekly time frame

3. Look for trading opportunities on the daily time frame

4. Place your trades on the 4 hour time frame, close your laptop/phone and go about your daily life and let the market work for you.

I am grateful for getting to know about Forex and taking action I won't lie. Once you are good, you are good. Nothing can stop you.

I am interested in learning o! I don dey find side business since. Help my life.

SmartPolician:
You are the bigger mumu because you didn't intelligently oppose my assertion.

That deal died with Abba Kyari. When Chimamanda Adichie asked Angelo Merkel about it, no Nigerian government official responded.

Now a man in the opposition wants to cash in on that and they quickly woke up.

Don't mind them. I thought the deal had died because Govt was mentioning Siemens again. All of a sudden they have remembered Siemens. And as always it is Osibanjo they are using.

Everyone now wants to have a foundation or NGO. Who knows how much money is being siphoned for personal use!!!

Murder Suicide!!!

So his sins have been forgiven? Is this a case of go and sin no more? So the people he has beheaded will never get justice?? Na wa.

I don't blame him. Buhari and APC allowed our enemies to gain ground. We had advantage and we lost it. Who knew things could become worse than 2015?

Mom007:
They brought it on themselves. For over a decade, bank workers have been known to have little or no job security. They are fired at any little excuse and denied their work benefits. Now they all see an opportunity and are embracing it, causing the power to shift hands and the banks are now crying foul! Karma is a strange thing. No one can escape it. You treated people like trash. Now you are reaping what you have sown. Deal with it. Sha don't let them steal all our money on their way out.
#access bank

Employees now have power. Everybody don wise. Save up and japa. Cos no one is irreplaceable in any company so you need to be selfish.

Acidosis:
All their shakara will now end after demanding 1st-class honors and 2-1 for a monotonous and repetitious teller job.

The good thing is that skillful 2-2 certificate holders who are above the age of 30 will explore the banking sector in the coming years.

And also giving ridiculous age requirements. Make all the young people japa.

Sometimes i wonder what determines who lives and who dies. Like some people just came to this world to suffer and some to enjoy. Makes me think Heaven and Hell already exists for some people.

That first picture gave me goosebumps. There are other ways to blur someone's face na.

Natbrowny:
Shakira 45
Pique 35
New flame 23.


Una dey decieve una selfs say age doesnt matter. Bullshit scam d west is tryna sell, thats not even working for them.

Nick n Mariah Carey. How e end.
Jlo And plenty bobos. How e end.
Dem yapa oooo

D bois keep balling after d clash. D babes gets older with vexations using creams n makeup to fight nature.

So you think say na because of age?? Emmanuel Macron no get two heads na.

When guys post their pics like this looking for ladies, just know that they are broke.

AstraDroid:
A perfect method to madness. Pampers will humble you. There was no reason to impregnate your wife at that level of income. in fact, at the present level of inflation, anyone earning 100K and below, should not actually consider marriage.

An average Nigerian sees children as a blessing and that God will always provide for that blessing. It's hard to advise a newly married couple to delay childbirth as fertility issues might arise if they wait too long.

So now your wife is currently unemployed and both of you are now surviving on only your salary. Hmmm! And due to the pregnancy stress the unemployment would likely continue till successful delivery?! Nigerians dey try o!

I will advise she takes this opportunity to learn a skill. Maybe hairdressing including how to dreadlock. So if she doesn't get good job on time she can assist with little bills.

ibizgirl:
Op, God bless you and your wife. You are on a good path. But this is just the beginning. You and your wife should try to expand your earning. You can't explain to a crying child no money for biscuits or indomine. God will not shame you

And children consume a lot o!

tomtomastom4:
I created this thread in response to the post on front page about ladies that date men who earn less than 100k. Below is the link.

https://www.nairaland.com/7292274/ladies-relationship-men-earns-100k

Of a truth, its not easy to manage such amount, but when one is already in such situation, you just have to manage and improvise.
Now like the OP of the above thread requested, here is the break down of how we make our expenses.

To start with, I was earning about 130k previously before we got married by March this year, but I changed job and the pay of the new job is 95k. STarted the new job around Feb this year, even though there was a loan I was paying off.. Need I add that my wife was working in a firm where shes paid 45K, but two months after our married, she quit the job due to pregnancy stress. Am sure ladies will understand.

This is our break down.
Monthly salary 95k
I remove 40k first from the salary and transfer it to 3 different acct.
The first acct receives 20k. This acct is not touchable except on extreme emergency. Its our main savings acct.
The second acct gets 10k and its for our rent, also non touchable. Rent is 150k per year. Before u say my rent is high compared to my salary, I like my privacy very well. and the cost of rent isnt friendly in my state.
The third acct also gets 10k. This one is for semi savings. This acct is touchable when cash at hand have been exhausted before the next month salary.

From the remaining 50k,
I send 10k to my family acct. I and my brothers do contribute 10k+ every month and its been used to run expenses WRT our parents and last born.
I gv my wife 10k for her monthly up keep. Its small. But its the sacrifice we all have to make for the good of the family.
I hold 10k myself for logistics and transport. I must confess, is not enough. But One have to strive. My wrk place isnt far. SO transport is N100 to and fro, thats approximately 3k per month. The remaining money i use it for other logistics. 4k out of this money goes for gas wch last for abt 2 weeks. And when we want to refill and there is no other money left, we fall back to the 3rd acct.
The remaining 20k is strictly for food ( On this food issue is where I "duff my hart" cos shes really managing things well and trying.
Sometimes, I really feel for her, cos this her pregnancy makes her to crave for things that is not on our food menu, but then when the money is not there, she just surpress the cravings. At times I feel bad.

The remaining 5k, for now is used to pay back a tailor who sewed multiple pregnancy gowns for my wife.

Its good to add that any small money I make like 1k or 2k on side hustle, I directly buy mudu of rice, beans or flour for swallow.

Its not easy at all. But there are families with kids leaving below that.

My wife is abt 5mnths pregnant, we plan to divert the 20k savings to buying baby things in preparation for child birth.


The truth is that the economic situation in this country is bad and so cost of leaving is very high. But then one have to survive.
But then in Nigeria now, how many percentage of the population earn above 100k. In fact how many jobs out there pays such as amount.

The only advice I have for ladies is that if you are not working and you parent family is the type need financial help from your husband after marriage, or you are the type of lady that is high class and wont settle for less or manage with your man. Plz kindly wait and take your time to look for a man that is RICH or financially capable of taken care of you and maybe your family. Please dont hide under the cover of you want to marry quick and then accept a struggling man only to start putting pressure on his head. Plz wait and marry a rich man.

Most responsible men wont really appreciate it if you are always demanding for things you knw fully well that he can not afford.


It is also good to note that no condition is permanent, things will definitely get better. A better job might come or my wife might get a job after her maternity which will increase our income.

The bottom line is, as a couple, but of you will have to work things out to improve your finances.

God is your strength!! I salute you sir. Na financial management be this.

Timekeeper452:
If police decides to get involved now and take this up, the beaters go claim, ignorant to the law. No matter what, never ever hit another citizen , unless as self defense. If them dey owe you, use the law to retrieve your cash.

People take laws into their hands because of failure of the state. Imagine involving police. They will obviously request to share in the money.