Phraences's Posts
Nairaland Forum › Phraences's Profile › Phraences's Posts
1 2 3 4 5 6 7 8 9 10 11 12 13 (of 50 pages)
I don’t want to change mattress in the next 10years ![]() |
I don’t know why Vitafoam marketers are giving conflicting info. |
Really hope someone sees this. |
So i have a choice to make between Vita Galaxy Classic and Vita Supreme. I weigh 88kg. Some distributors are marketing the Vita Supreme as Semi Orthopedic while others market the Vita Classic as the Semi Orthopedic. Who has used either or both of the two? Please let me hear your experiences. Thank you. |
xtremrules:Did you later change it? |
incogni2o:What’s the name of the one you got? Vita Supreme or Vita Galaxy classic? |
Enoobong97: ![]() |
musabayokanu:This is happening to me. It’s like i am sleeping on bread or tire. I have called my dealer to activate the warranty and try and get an orthopedic. I will come back to update. |
Fake news. lol! So obvious. How can they sack ALL STAFF? Unless they had replacement staff on ground to takeover from the ALL STAFF. Who is keeping the refinery running while the HR commences replacement. I expect Dangote to issue a statement soon debunking this fallacy. |
Who is a reliable, trustworthy and affordable car seller on Nairaland? |
IMPARTIAL:Don't mind them. Hamas doesn't care about it's people. There was a ceasefire in place and they breached it by killing and taking hostages. If they had done this to USA the response would have been same. Now they are expecting Israel to care about the death of palestines. |
toluxa1:What is so special about his response? It was filled with deflection, denial and gaslighting as usual. |
Nwaikpe:You are referring to Apostle Joshua Selman right? Well, i listen to his preaching and i am blessed because of it. |
Which car did you finally buy? |
Ikaeniyan0:Exactly. They should have stuck to the 60%. |
I would have preferred they stick with the 60% or at least 50%. Non tax generating states should not be befitting. |
I know the govt intends to give the houses to low and middle income earners as part of its social housing initiative and at first i thought it was a good idea until i read some opinions on Punch newspapers which makes serious sense. I HOPE THE GOVT LISTENS TO THIS ADVICE. The link is below. An excerpt A former President, Association of Town Planning Consultants of Nigeria, Mr Moses Ogunleye, doubted the possibility of low-income earners benefitting from the houses. He said, “If those properties have four bedrooms, I don’t think they can be for low-income earners. Is the Federal Government going to finish those structures before it sell them? If they are going to do so, low-income earners will not be able to afford them. If they want to give them to low-income earners as they are, the buyers are going to be spending a lot of money. “Maybe what they can do, in addition to the structural integrity test, is a cost analysis. I am not sure the roads have been done, or if water supply and electricity have been provided. What will make the estate habitable? Considering the value of land in that place, we can have an affordable housing development in that location, but it is not going to be a public support housing project. The total cost of completing it is going to be too expensive for low-income earners. I would say maybe middle-income earners may be able to afford it, but no real low-income earner would be able to.” The President, Fajiri Construction Limited, Stephen Eke, said the government’s plan though noble, was largely impractical. He said, “This is given the high-end materials and premium construction standards typically associated with such properties. These estates are usually designed for luxury and exclusivity, making them structurally and financially incompatible with the affordability thresholds required for social or middle-income housing. Attempting to convert them for such purposes would either undermine their value or result in minimal cost reductions, defeating the goal of accessibility for the target demographic. “A more pragmatic approach would be to sell the estate at market value and channel the proceeds into a dedicated social housing fund. This strategy ensures that the high value of the seized property is fully realized and redistributed in a way that has a far greater impact. With the funds, government or development agencies can construct multiple units of affordable housing specifically designed for low and middle-income earners, using cost-efficient materials and designs suited to their needs. This model promotes equity, sustainability, and scale in addressing Nigeria’s housing deficit. “The fund from the sale of Emefiele’s seized estate should be managed by a consortium of developers experienced in mass housing projects. This approach ensures that the resources are efficiently directed toward building affordable, large-scale housing designed specifically for low- and middle-income earners.” Also, a former President, Nigerian Institute of Building and Pioneer National President, Building Collapse Prevention Guild, Mr Kunle Awobodu, said the valuation of the property needed to be done. “Then, they will know whether it will be discounted or not. The government is getting the building almost free of charge, so it means that it is going to be subsidised because of the value of the land and the cost of materials presently. “It was constructed not too long ago. The government should offer it at a subsidised rate. It should be gradual, like a mortgage. They should go and do a valuation of the buildings and internal calculations before they come out with the necessary prices.” In the same vein, the Chief Executive Officer of Magnificent Choice Services Project and Engineering Ltd, Jeremiah Akinsele, said the seized estate should be sold strictly at its current market value, determined through a thorough evaluation by professional estate valuers whose reports set the price objectively. He said, “Attempting to sell such high-value properties at discounted rates to low- and middle-income earners is unrealistic and prone to abuse, as it often leads to resale by wealthy individuals or politicians, undermining the original intent. Moreover, low-income earners simply do not have the financial capacity to purchase or maintain such expensive properties, considering the minimum wage in Nigeria is around N70,000, it is practically impossible for them to afford a plot of land or upkeep a luxurious estate in places like Abuja. “Selling these estates at market rates ensures transparency and fairness while preventing distortions in the housing market. It also avoids burdening buyers with unsustainable management and maintenance costs that typically accompany high-end properties, costs that low-income earners are ill-equipped to handle. The proceeds from these sales can then be wisely reinvested into building affordable housing tailored specifically for low- and middle-income groups, where costs and designs align with their real financial realities.” Corroborating this, the Chief Executive Officer of Ace Hi-Tech Construction Co. Ltd., Adewunmi Okupe, said the existing buildings were not affordable for low- and middle-income earners in their current form. He noted, “Putting the estate up for sale is a good idea, but the existing buildings are simply not affordable for low- and middle-income earners in their current form. To make the estate accessible to this income bracket, there is a need to remodel the properties into smaller, more affordable units. Each large unit on the estate could be subdivided into four or more smaller apartments, significantly increasing the number of affordable homes available. “This remodeling approach would help bridge the gap between the current luxury design and the financial realities of low- and middle-income buyers. By creating multiple smaller units from each existing building, the estate can better serve the housing needs of a broader population while making efficient use of the available space. This strategy offers a practical pathway to expanding affordable housing without the need for entirely new developments.” The spokesperson for the Nigerian Institute of Building, Godfrey Godfrey, said the proposed duplex structures were far beyond what the average Nigerian worker could afford. “We are talking about a duplex in Africa. So, honestly, it is not within the reach of a low-income earner in Nigeria. Even a middle-income earner will not be able to afford this, considering the current economic situation,” he stated. Godfrey expressed concern that the properties might ultimately be acquired by the political elite through the back door. “Those in government may end up finding a way to acquire them for themselves. The intended low- or even middle-income earners may never get hold of them because we know political patronage is what thrives in this part of the world,” he added. To address the concern, Godfrey suggested that the process of allocating the houses should be transparent and inclusive. Similarly, the General Secretary of the Nigerian Institute of Quantity Surveyors, Azeez Ayodabo, said the pricing of the duplexes renders them inaccessible to their target audience. “Looking at the cost of those buildings, they may not be less than N100m to N200m per unit at the moment,” he said, adding that such pricing is well beyond the reach of most Nigerians, especially those earning the new minimum wage of N70,000 per month. “For those working in the private sector, it’s even worse. Affordability is the first issue the government must consider,” Ayodabo noted. He further proposed that the government explore a structural redesign of the project to make it more inclusive. “You have duplexes, but what does a low-income earner want to do living there and maintaining it? One duplex can be remodelled into about four flats. That way, low-income earners can afford it and also be able to maintain it,” he advised. https://punchng.com/emefieles-753-duplexes-fg-to-sell-houses-to-low-middle-income-nigerians/ |
Kindness218:Which book is this?? |
antibullshit:I will come back to this your post. Be like sey your eye never clear. It will soon dawn on you. |
ibabz:You must be one of them. Same thing MBA forex said. That they use AI to trade. Where are they today?? So there is a AI software that can guarantee profits and Wall Street and Silicon Valley is not aware ![]() |
Tears go flow. |
PDP are foolish. This is when they are supposed to oppose. Opposition party for nothing. |
Evercurious:Billionaires are not to be trusted. They are very cutthroat. I watched the sister's interview and even before then i knew Aig was the problem they were fighting. That lawyer is also suspect. How can you be representing both Aig and the children? They should have seperate lawyers. Aig will just swallow the whole bank. Herbert was not wise at all. You have a lawyer as an elder sister and you didn't make her a trustee?? And there is no will lodged in Nigeria. Didn't he a a law firm representing him? The story no clear. |
joshkke:Of a will supposedly lodged in Florida. This legal battle will be protracted. |
Wonders shall never end. This Trump is a big buffoon. Supporting Russia, the enemy of America?? The country that invaded Ukraine because they were afraid of them joining NATO This is who Trump is supporting ? Turning around calling the President of Ukraine the aggressor? Trump is a Russian puppet for real. |
osuofia2:I agree. Let Russia and China step in and spend money as well. Their own slavery will be worse. |
Princewill1:The war is not needless. Russia is an enemy/competitor of the West invading a neighboring country who are allies of the west with intentions to join NATO. Putin started the war not Ukraine. Ukraine chose to defend rather than submit. The enemy of my enemy is my friend. US spending billions on the war is an unfortunate necessity. The money spent by USAID on transgender and equality and Palestine should be channeled to the homeless. |
Xisnin:That is why Trump suspended USAID. How can you be funding those that hate you ?? |
aremso:Hello Sir. Just curious. Do you have a day job? Like 9-5? I am always wanting to invest in US stocks but it seems it requires constant monitoring especially those that can give 100% and above Like you have to monitor news, trends etc to know when to buy or sell.If you have a 9-5 when do you have time to do all this? I want to escape from the drudgery of 9-5 through the stock market but it is still the same 9-5 preventing me from starting. |


Like you have to monitor news, trends etc to know when to buy or sell.