₦airaland Forum

Goke7:
😂 how will net migration go down if you force people to stay? No be juju be that

Lexusgs430:
Let's play devil's advocate for a second...... 😂😁

Imagine USA, UK, Germany, Holland etc etc.....

Cancelling all visas (regardless of status), for all Nigerian passport holders and cancelling all visa appointments too........ 😂😊😁

https://www.theguardian.com/us-news/2025/apr/06/us-revokes-all-visas-for-south-sudanese-over-countrys-failure-to-repatriate-citizens?CMP=Share_AndroidApp_Other

lavida001:
Nigeria health tourist owes £500k unpaid charges 🤣

jedisco:
Rationale would be many that'd inevitably remain should be milked maximally before being granted longterm stay. Hehe.. people come- wahala. People go elsewhere- wahala. They should only go back to their home nations.

Truth be said, Kemi has struggled to find appropriate coverage in the media and most reportage about her of late has been about guesstimating when (not if) she'd leave/be removed. At least, we no dey hear about Nigeria from her mouth again.

jedisco:
Rationale would be many that'd inevitably remain should be milked maximally before being granted longterm stay. Hehe.. people come- wahala. People go elsewhere- wahala. They should only go back to their home nations.

Truth be said, Kemi has struggled to find appropriate coverage in the media and most reportage about her of late has been about guesstimating when (not if) she'd leave/be removed. At least, we no dey hear about Nigeria from her mouth again.

Lexusgs430:
Let's play devil's advocate for a second...... 😂😁

Imagine USA, UK, Germany, Holland etc etc.....

Cancelling all visas (regardless of status), for all Nigerian passport holders and cancelling all visa appointments too........ 😂😊😁

https://www.theguardian.com/us-news/2025/apr/06/us-revokes-all-visas-for-south-sudanese-over-countrys-failure-to-repatriate-citizens?CMP=Share_AndroidApp_Other

Goke7:
e go long o, they can’t let go easily of Nigerian oil and gas 😂 as we never useless reach like that

Justug:
Please I need some guidance here
With the current decline in stock market, is it advisable for a newbie interested in long term investment jump in the market now?
Or are we going to see more downtrend and in that case should I still wait or invest now ?

Justug:
Please I need some guidance here
With the current decline in stock market, is it advisable for a newbie interested in long term investment jump in the market now?
Or are we going to see more downtrend and in that case should I still wait or invest now ?

ukay2:
New financial year begins today....

Have you maxed out your LISA for the 2025/2026 financial year?

I maxed out today.... entering USA stock market this week.....buy 1 and pick 5 free....

Goke7:
Baba Trump don keep all of them busy especially when Brits themselves are being told in America too to go back to their country 😂 no be only naija waka come after all

Justug:
Please I need some guidance here
With the current decline in stock market, is it advisable for a newbie interested in long term investment jump in the market now?
Or are we going to see more downtrend and in that case should I still wait or invest now ?

Strata1716:
You mean the Niger Deltan’s oil and gas

jedisco:
Hehe.. Mk I go find that video watch. Saw the headline (and picture of a shocked reporter) among all of Trumps doings but not watched it.
Interesting times- it appears the hegemony of the one united west against the global south is under threat. I'd expect China to become more aggressive when making inroads and offering deals in the coming years.

I'm encountering interesting conversations these days. Is speaking against America's current economic policy antagonising the west? Should we all chorus the current U.S govts propaganda as we are now in the west?

olenime:
I booked a biometric appointment at Nigeria Passport Office, London. The date I chose was given is a bank holiday. I booked it last year and realised recently that this date is a Bank holiday.

It seems they won’t be open on a bank holiday, I’ve tried to call the National Immigration service to confirm what I can do but couldn’t reach them. Also tried to reschedule online but I couldn’t.

Please does anyone have an idea of what I can do to reschedule the appointment and choose a different date?

Chukwuka16:
We all become fintechs in time

I used to be in the world
But now I'm a changed man (Praise the Lord) yeah
I used to have five side chicks
But right now I only have one (Hallelujah) yeah
I used to drink Fanta with vodka but now it's just Fanta (ah Bleep martini!)
Me I used to fantasize about Amber Rose and Blac Chyna
But right now it's just BamBam
Right now I'm law abiding tax paying tongue praying soul winning uh
Bleep
Until I take you to church
I go love you too much 'til you beg me to stop baby
I'm a born again no fornicate again
I don't play no games never sin again

We needed to vary our authorisation and that meant going back to our consultants to discuss the costs and process. They came back with a proposal which put the entire process at £31k + VAT (including their fee of about £26k + VAT and licence fee of around £5k). On our end, manpower over 5 months to work on preparing our application was going to be £35k. I decided to stew over this for a few days, tinker with our finance sheet and ultimately agree. £13k + VAT needed to be paid once I agreed with the proposal (which I was going to).

From an operations POV, this was straightforward. We needed to have the licence if our marketplace was going to function (so we thought). This additional expense meant a further decimation of margins. I needed some headroom as times are getting interesting every day. This was going to be a 1-year process. While this was being pursued, I needed to start romancing companies with the senior licence (API) to make me an agent so we could kick off operations. If only I knew.

I am on my computer setting up Stripe for one of our businesses with the CEO and I stumble on some products offered by Stripe that not only allow me to operate a marketplace effectively but even do more. For months, we have struggled on operationalising the unrestricted monetised benefits consumers were going to earn on the platform (mostly from flexibility participation). The alternative was to allow a withdrawal from the marketplace to their bank accounts. I put a pause on this as I was not ready to go crazy. I already had too much compliance and risk reporting to do and didn’t need to top it up just yet. Now imagine my consternation to discover that Stripe allows for the creation of Virtual Cards for users. O Lord, O Lord, O Lord!

I have briefed the dev team, and we are game. We are doing research to know how it works and how it changes the UX on our platform. I have saved myself £66k + VAT (on £26k). I can now issue virtual cards to customers allowing them to be able to transfer their unrestricted monetised benefits to these cards and spend outside the platform, receive revenue from customers, deduct our charges/fees before making payments to merchants all using Stripe. I can broker finance with lenders for our customers as we are authorised, and life has never been beautiful.

I am now reminiscing about this finding and the effects are grim.

First, most of my partners and their businesses are dead. I am in partnership with a lender and their minimum capital requirement to act as a lender for our customers is £300k. For this, I’ll have countless meetings, we will deliberate fees, interest rates and RoI and safeguards and loss management. I will expend time and resources just to lend my money to consumers. Now here’s the kicker. Klarna offers their service without me needing to know them or make any capital available. Infact, Klarna will pay me upfront up to £4k for a single product, can offer my customers access to payments up to 24 months or the usual BNPL or pay in 3 instalments at 0% APR (ahem, there’s some transaction fees involved). In a short while, Klarna will be able to offer finance cheaper than my partner and kick them out of business. They do not appreciate how much disruption is coming. Ignorance is bliss they say, well, not in today’s world.

Second, agility is key. We started out as a software business, pivoted to hardware (with the software meant to operationalise the hardware), and now we are a fintech business (building business models on them all). We are in the energy space and will be the biggest flexibility marketplace globally. This is not a flex. Our target is 25MW/125MWh flexibility capacity by year end rising to 1GW/10GWh globally next year without building a single plant. We hope to achieve 10GW/2TWh by 2030 by God’s Grace. We are however realising that we are simply a financial technology business. We are creating business models to monetise demand response (DR). Having customers who can be flexible in energy consumption is what we are achieving through the hardware and the reward scheme. However, what drives this behaviour is the financial incentive. Our ability to create money from offering cheaper alternative to grid balancing or generation expansion is simply a financial problem – the engineering aspect is a boundary condition. If we didn’t have agility built in ensuring we could pivot as quickly as possible, adapt and adopt innovation, we would have built a failed product.

Thirdly, talented community matters. I am back to my usual whining again. We have suffered this long because we do not have a community of talented people in this field. I am not a finance person originally. We didn’t have community members to consult. Everyone we know in finance is just interested in their jobs that are now being deleted by innovation and AI. There are days I am going mental simply because I am burdened and have no one to talk to about the problems I am confronting. I take long walks talking to myself like a mad man just to let off steam. I write hundreds of pages literally just to depressurise my head. I would have been better off having talented folks to talk to. Mentors to learn from. Shoulders to climb. Damn, we are a lost cause as immigrants. I try not to sound like a broken record or mental nutjob to my missus – she has enough problems to deal with. Someone will say what of your CFO and COO? Well, it is hard to convey your thoughts especially when you are still struggling to understand them. Unfortunately, this has been the case. They catch up when I am clear. Navigating the cobwebs of confusion to clarity has been the struggle. Inside life.

Let me clear, what we offer isn’t pure rocket science but does not exist practically yet anywhere. Think about your flex programme but not via smart meters – our own smart devices – plugs, sockets, finger bots (for operating your washing machines and dish washers and tumble dryers in your absence) and our own app. We procure your fridge and freezers and washing machines and dish washers and electric kettles and electric heaters (EV chargers and heat pumps coming along) as assets for either dynamic or fixed compensation over a timeline (month, quarter year, half year, full year) and can sell these to NESO and DSOs facing demand and capacity constraints in real-time. This means we must become a VLP and get a host of other certifications and qualifications and 3rd party software integration. I have researched this since 2012. In fact, this formed the crux of my bachelors (virtual power plants), master’s and doctorate. The pool of folks I can discuss this at length with is quite limited globally within our community. I deliberately don’t want to work with non-Nigerians on this – I can use them as consultants but want to have that knowledge marinated within a community of people with my skin colour and from Nigeria. What we offer covers finance (we are authorised to broker credit for customers to buy our smart devices), hardware (we design, manufacture and certify our devices), software (crazy as we have to build patches between our own system using flutter and the firmware owner in CHINA built on Java, cloud services, and AI), and the electricity market (continuous research to ensure we can mitigate risks). The biggest concern has been ensuring that we are building something that can scale.

Fourth, ongoing consolidation will destroy us because we have no stakes in them. I will go for the licences still. We would go commercial (late April or early May), make sales and carve out the cost for getting the needed licence and go for it. We will build the services we hope to deploy from Stripe ourselves and get it setup. It will cost us a lot, but we MUST do it and keep on ice. Yes, humanity is back to its senses for a while with Trump coming on board. However, it is going to be worse soon as censorship will run wild while free speech gets attacked and controlled. Companies like Stripe will evolve into DEI run businesses using useless metrics to determine who gets to remain on their platform. We will also do the same for our servers. We will build and operate our own servers to handle at least 50% of our services. It will cost us a lot of money, but we MUST do it. Whatever we can get now, we MUST get it. Yes, we are becoming almost a vertically integrated business. It is a safer bet than having too many dependencies. I have learnt from Trump’s ordeal (a former US president – let that sink in) and how useless Twitter (now X), Facebook, Instagram and other businesses can become (even banks!) when they want to control the narrative to be better safe than sorry.

Fifth, contemporary education is useless. I am handling a consulting gig now with the folks I consult for stateside. The problem we are providing solutions to do not yet exist for another 18 months. To show how funny the problem is, I am forced to generate unconventional models to represent the system and mirror the Fault-Tolerant Flight Control System (FTFCS) in aviation to simulate redundancy. This is not transferred learning. My background of electrical engineering (BSc and MSc) and Computer Science (PhD) are mostly useless here. Of course it is heavy on stochastic modelling, Monte Carlo, Hidden Markov Models for probabilistic dependencies, Fault Tree Analysis, Bayesian Networks, etc. The problem formulation is first principles and that’s what worries me. Contemporary education seems lost or unable to develop our creative minds. Education as a process MUST stimulate the creativity of the student. That is the sole purpose of education. However, when it is focused on silos, it prevents us from understanding that events that occur in life are microcosms of themselves.

Sixth, career is dead and gone. Unless job prostitution, it is insane to expect to remain 30 years in a company. Well after the full transition to the dystopic world that is gradually evolving, people can be sure to remain long-term in a company – more as serfs (you know technofeudalism). This implies that as businesses are transforming, we cannot expect to continue to transform to stay relevant – it will wear us out. We need to build an ecosystem that can allow us maintain stability in an ever-changing world. No one says you should remain stagnant, but can that be more of a process-driven learning to improve on what we can do rather than outright ejection or a rat-race for the next certification which does not guarantee stability? Can we continue to add value as we upskill in a more nuanced and paced format than compete for employment/daily bread? We can only be afforded this luxury in an ecosystem we build. People get to have stability based on how eager they are to learn and upskill without the fear of being ejected. We can promote those most competent and updated but everyone gets to be taken care of. We need to think ecosystem. It is one of the wonders of life. Literally, immigrants from Asia (India, China, Pakistan, etc.) and Jews are leveraging this in driving wealth and prosperity for themselves.

Lastly, the UK is dead and gone. I cannot comprehend how a country can be sliding into uselessness and not know. I am grateful for the privilege of citizenship the UK has afforded me and the access that has brought. I am however disappointed with the distaste for ambition that is prevalent in the UK. It seems suffering and laborious work and conservative lifestyle is more virtuous in the UK. Folks will sneer at ambitious thinking forgetting that lack of such is inhibiting the UK’s ability to carve out a niche for itself in the evolving new world. You will hear of allocation for projects and wonder if the government is made up of peasants. The sixth biggest economy in the world and it sets aside peanuts for so-called ambitious projects. £12m disagreement and it is happy to lose £500m worth of inward investments from AstraZeneca (we need to start deducting from the so-called record breaking £60+ billion it claims it raised recently). In the midst of all these struggles, young and ambitious folks are unable to have the needed support to innovate. There is no doubt I would have been sorting out mails or working in a factory had we not secured non-diluting funding for our idea – I was never going to be a lecturer in the UK. Research was enough. What irks me is that there are folks with more brilliant ideas than me that will contribute immensely and positively to humanity but will never get funded because the UK government is unambitious. The “denseness” of the UK political class is creating a third world country in the UK. Forget the façade of London – the UK as a whole is done. What future does exist for young and ambitious people who want to try out new things? It is the availability of opportunities that has turned the US and China into wonder nations. Cheap loans, high risk appetite, tolerance for innovation, etc. is catalysing so much wealth in these countries. How come China with its style of governance is generating so much innovation and yet the UK with its so-called free speech is still wondering what LLMs are?

Well, it seems everything is ending in finance. At the end of the day, what matters most is that consumers get value, and we get paid. If it means us becoming a fintech then, so, be it.

I cannot wrap my head around the lyrics of this song by Blaqbonez ft BOJ and CKay – Good Boy. I can always find comfort in the comical and very relaxing lyrics from this song. The essence of this song is its misplaced usefulness at a time like this. It just eases in without ruffling feathers but is well suited to strike that balance between chill and reflection.

I'm a very different kind of somebody
I'm not someone that is into all those kinds of sweet boys
All those kind of nonsense things
I like a God fearing man a man that fear God
Now this is me this is the kind of person I am
I am not interest in that I don't have interest on that

Hey no I'm not regular ay (Bang)
You swear you on my cellular ay (Da dang)
I see a lot of boys want a snap of me of me
I no dey smoke marijuana oh baby
I no dey do fornicator oh baby
I no dey go kalakuta oh baby
I don't don't no ayy
As you are looking at a good boy
We no too many we no too many
Say we no too many
'Cause you're looking at a good boy
We no too many we no too many baby oh

I'm a good boy on a very good day
Me I no dey lie on a very good day
I'm still a virgin on a very good day
And I dey go church every other Sunday ay ay

The way I dey move e dey make her confuse
Dey with some girl whey dey tell me bonjour
Say I look so bad but I'm so good
Say I look so bad but I'm so good
Tryna get close to ya know say me I no dey smoke cigar
We told you we no dey smoke bana
We don't even smoke marijuana yeah yeah yeah
I no dey chance person for hold up I let them pass
As a good boy I gotta show example
You dey waste time if you try to fight me
Turn the next cheek if popo slap me
Oya jeje I dey give them jeje
Angelina sempe everything popping
We dey give them yenke
Oh

As you are looking at a good boy
We no too many we no too many
Say we no too many
'Cause you're looking at a good boy
We no too many we no too many baby oh

I used to be in the world
But now I'm a changed man (Praise the Lord) yeah
I used to have five side chicks
But right now I only have one (Hallelujah) yeah
I used to drink Fanta with vodka but now it's just Fanta
Me I used to fantasize about Amber Rose and Blac Chyna
But right now it's just BamBam
Right now I'm law abiding tax paying tongue praying soul winning uh
Bleep
Until I take you to church
I go love you too much 'til you beg me to stop baby
I'm a born again no fornicate again
I don't play no games never sin again

As you are looking at a good boy
We no too many we no too many
Say we no too many
'Cause you're looking at a good boy
We no too many, we no too many baby oh

No I'm not regular ayy
But for real I'm not regular
Look at what I do you can help me check the cellular yeah
All my music praise and worship promise you no secular woah
I no fit even tell you say I don do woman before
All my life yo I never ever drink alcohol
Gold chain gold chain gold chain
But I dey with rosary every second saying prayer to God
Thank God it's Friday it's time for night vigil
I no dey gyrate I'm more into soul winning
Dem boys dey for 57 but I dey the prayer level
Life is really spiritual, somebody gats to cast the devil
So tell me what you want oh baby shey you wanna go Santorini
How you wanna go renegade (Bleep with me baby)

That's what I like

Me I no dey lie on a very good day
I'm still a virgin on a very good day
And I dey go church every other Sunday ay ay
(Focus)

Umeleeds:
Good morning All

Please does anyone know someone schooling or working in Dublin Ireland? Or can answer questions on moving to Ireland 🇮🇪 to work or school.

A relative needs guidance on navigating the school/ admission process

Thanks in advance

Goke7:
Honestly it’s just confusion galore so tey our prime minister don Dey jam talk 😂 as the man is trying to become more Torries than the Torries themselves, how can you say globalisation is over? So which direction is he taking the country to. Anyway make I mechonu as usual.

jedisco:
Been following house prices for sometime as I'm in the middle of conveyancing and noticed good price drops across board in March - wasn't surprised to come across this article. Half a percent is a sizeable drop for a single month. Also noticed most houses that had a nice drop to now become reasonably priced had a sale agreed (STC) quite quickly. It appears folks were on the sidelines waiting to take advantage. Going forward, the stock market shenanigans is likely to dampen prices for a bit longer


With interest rates dropping, it might be a good year for those seeking to buy..fingers crossed.

wallg123:
Some good news to brighten your evening 😂

Goke7:
😂 one dumb analyst on tv defending the tariffs policy said the island can be used by China to import goods into the us, the presenter had to remind him that no humans live there.

That’s the world we live in now 😂