₦airaland Forum

barika2011:
Buying a car is often a significant challenge for many Nigerian civil servants due to several factors. Firstly, their salaries are generally low compared to the rising cost of living and skyrocketing prices of vehicles, both new and fairly used. The recent devaluation of the naira and high inflation rates have further weakened purchasing power, making cars increasingly unaffordable. Secondly, civil servants frequently face delayed salary payments or deductions, disrupting financial planning and savings for major purchases like a car. Additionally, vehicle import duties and taxes in Nigeria are very high, adding substantial costs to car prices. Access to affordable credit facilities is limited, and interest rates on car loans are often prohibitive, discouraging civil servants from borrowing. Many civil servants also carry other financial responsibilities, such as supporting extended families, paying school fees, or handling medical expenses, leaving little disposable income for significant investments. Finally, poor public transportation infrastructure creates a high demand for personal vehicles, pushing prices further out of reach. Altogether, low earnings, economic instability, high vehicle costs, and financial burdens combine to make car ownership a difficult goal for Nigerian civil servants.

This is a complete article for publication

TheChameleon:
It is a sad situation but i will also play devil's advocate....

Why can't Nigerian Professors have inventions, patents and discoveries like their peers in developed countries?

Malaria, no cure. Electricity, no fix. Must we wait for Whites to fix all our problems?

Oh, Government doesn't fund them well..... But we have seen billions looted by Government, Institutions and Individuals through TETFUND.

What did they do with what they received? A Science Parastatal went to Senate and listed Kilishi processing as their major achievement.

The blunt reality is that, we Africans can not see running abroad as the ONLY solution to our problems.

Japan and Germany were practically annihilated after World War 2 and they stayed back to fix their countries over time.

Sad that South Africa looks VERY different from most parts of Black Africa simply because the Whites only left direct power in 1994 (3 decades ago)

Fixing Africa is a collective responsibility. Why are Blacks at the very bottom? Whites, Yellows, Browns all see us as inferior to even their pets.

Do you know that we don't even have enough rest of mind to think?
Do you have any idea how generator sound dampens the mind

Gerrard59:
Thanks for your comment. Any idea how much professors at Covenant, Babcock, ABUAD etc., earn per month?

I am not really sure now, as I have been out of academics for 10years now. But I know the salary range is between 400k - 700k ish. The difference is in the additional employee value proposition like overseas and local conferences sponsorship, prestige, accomodation, and good work environment in the case of universities like AUN, etc.

But academics na very good field to work for work-life balance and you can use the extra time for side hustle which can fetch you far more than the monthly salary!!!

Khariza:
Do you mean only professors in government owned tertiary institutions? I'm just curious.

Professors in private universities' pays are worse! Private universities hardly have professors resident in the school. They contract them on part time basis. And few that are resident get somewhat between 500 to 600k. Federal universities pay professors and even lecturers more than most private universities.

Teachers, and everyone else in academics are not greatly paid everywhere in the world, you go check what teachers and lecturers take home in the west compared to the cost of living there.
That aside, our professors here, what are they professing? Quackery? Not too long ago I saw a news article about some department under engineering faculty in FUOYE celebrate their final year students for making a stove that runs on solar energy, what's this stove? A purchased 200ah lead acid battery hooked up to a purchased inverter and then hooked up to a purchased electric stove, isn't this shameful? An idiot could do this, head of department was in this picture, all smiles 😏
These are the issues, apart from health related courses, the federal government is just wasting money on these people, especially Engineering and the science facilities, Law, Education and Arts are doing great, our professors are definitely aren't living up to expectations, no results at all, can they talk and share ideas where their counterparts who are actual professors are gathered?
For those who are calling for increased wages, this is the news for these people,
https://news.fuoye.edu.ng/federal-university-oye-ekiti-students-design-solar-powered-stove-using-locally-sourced-materials/

mightyhaze:
But somebody has to do it. If every body play smart like u suggest,we suffer more. We just need to look deeper

I agree with you

flexyrule:
Fews weeks ago, I engaged a Marina bank staff about their car loan facility

Is Credit Direct a Bank??

A finance company. I think they are currently in partnership with Credit corp and mighty even provide lower interest rates if you are a public servant.

What do you mean by creativity in this context?

Softmirror:
Except if he is not creative enough to do soooooo.

Talking about marketing. Can you describe the marketing pls?

Omowale2023:
This why I want to switch to finance/hr side of things. I have my teaching certification TRCN. But I don't think I will further my career in education unless I will use education to Japa. I felt I wasted my time on the educational path. Anything I will do on education is to Japa. Not to use it to work. I will concentrate on Finance/HR/Marketing/Business Development and Administration. I can't continue to live like this. My life must be better.I Will no longer pursue my PGDE and MEd anymore. Am done. Good riddance to bad rubbish.

Love800:
What do you mean by creativity in this context?

Sincerely it is subjective. For example a Professor of Architecture can't be dependant on his salary to be able to buy such a car. That's a subjective example. Objectively a Professor should be able create value that makes money outside depending on salary alone. You could be a consultant for example, go into research in which your findings are a worthy.

Is police not included in civil service?

AmiableMosquito:
The bolded is so true. I have a cousin who is currently on level 13 with a Federal ministry, his take home is about 198k monthly. Level 13 is like the equivalent of an Assistant Commissioner of Police.

It depends on the type of civil service though. Oil and gas earns well, including some other agencies.

id4sho:
God bless you, you know the matters Wella. Nigeria civil service is nothing to write home about. I striving and working hard to avoid it. My late father was level 16 at federal 🤦

Can one own and drive vintage cars. Is it possible?

fineboynl:
Anyone who can’t comfortably afford a car won’t be able to fuel and maintain it.

Only fueling will goops 60% salary. Oil change and other maintenance you likely cripple the finance.

So tell me why would anyone want to buy a car with loan in Nigeria?

What's the difference between civil servant and public servant?

TallNigerian:
You are wrong. I took a 36 month loan last year as a public servant. Interest rate per month was 5% and I took over 650k loan, my total repayment was put at a little above 2m....and I was paying more than 63k monthly.
Thankfully, I got a little breakthrough and was able to liquidate the loan in March this year.

It's not easy been a public servant in Nigeria o

Love800:
Can one own and drive vintage cars. Is it possible?

depends on your finance. And how you intend using the car.

Mind you some people park their car in compound and only drive once in a week.

AmiableMosquito:
A finance company. I think they are currently in partnership with Credit corp and mighty even provide lower interest rates if you are a public servant.

Credit Direct is owned by FCMB.

flexyrule:
Credit Direct is owned by FCMB.

Yes yes

Love800:
Is police not included in civil service?

Public service

Love800:
Is police not included in civil service?

Civil service is a microcosm of Public service

Read this
https://www.google.com/amp/s/thewhistler.ng/fg-to-address-pay-disparity-between-civil-and-public-servants-oyo-ita/amp/

Love800:
Talking about marketing. Can you describe the marketing pls?

Brand manger not walking -around Marketer.....🤣🤣🤣🤣🤣

Absolutely put.

This is great.

Thanks so much.

Softmirror:
Sincerely it is subjective. For example a Professor of Architecture can't be dependant on his salary to be able to buy such a car. That's a subjective example. Objectively a Professor should be able create value that makes money outside depending on salary alone. You could be a consultant for example, go into research in which your findings are a worthy.

Okay.

You wrote well.

Thanks so much.

fineboynl:
depends on your finance. And how you intend using the car.

Mind you some people park their car in command and only drive once in a week.

What's the meaning of the bolded please. My last question.

AmiableMosquito:
Civil service is a microcosm of Public service

Read this
https://www.google.com/amp/s/thewhistler.ng/fg-to-address-pay-disparity-between-civil-and-public-servants-oyo-ita/amp/

Okay.

AmiableMosquito:
Public service

Okay.

But walking around-marketer is still cool to me, if you introduce yourself well and have a sequence in which you talk about yourself and your product.
Its a freelance job(making you to have time for yourself). Apart from the official duty days, you can also go sell your products on your own, during your leisure time, plus scheduling meetings with customers so as to boost more sales!

Omowale2023:
Brand manger not walking -around Marketer.....🤣🤣🤣🤣🤣

Love800:
Okay.

But walking around-marketer is still cool to me, if you introduce yourself well and have a sequence in which you talk about yourself and your product.
Its a freelance job(making you to have time for yourself). Apart from the official duty days, you can also go sell your products on your own, during your leisure time, plus scheduling meetings with customers so as to boost more sales!

Bros......no try am. I have done it. Trust me, it's harder than it looks. You are always on pressure to meet target. Working on constant pressure will affect your performance. The only way you can have peace of mind to do that marketing job is if and only if, you are paid salary and allowances (Transport and feeding). Then you will be meeting your target all the time. That's why I will never do insurance Marketing again. They tell you to use your money to transport and feed yourself all the time. Furthermore, if you don't meet your target, they call you lazy and uninspired, insurance Marketing will tell you salary is slavery but yet they expect you to use your own money to look for customers for them and still give you 3.5% commission of whatever money the client/customers drop with them. I made up my mind I will never do insurance Marketing again. I have done marketing for other businesses like NBS(they gave us transport for 3 months straight upfront totalling over 150,000). I worked with another company at ikoyi, they gave me a bus and picked me at the nearest bus stop to my home at 7am to market each local government in lagos for a 2 weeks. A forking freaking bus. And they still have me 5k for transport when I got almost stranded. And guess what, instead of me to do the job in 2 weeks. I did everything in 4 days. Why? because I had transportation to go anywhere I want, the Marketing manager for the brand doubled the salary they were meant to give me. So you see. It's well sha. God help us.

Cromagnon:
yes it can
The issue is what we have is schooling not education

yes it can through dubious means

Love800:
What's the meaning of the bolded please. My last question.

Apologies for my delayed response. It simply means that civil service is a just a small part of the wider public service

Oh, awesome.

Thanks alot.

AmiableMosquito:
Apologies for my delayed response. It simply means that civil service is a just a small part of the wider public service

In other words, you taking about the type of service or product the company markets. And also the company's mode of operation. I understand.

To me sha, i feel if you are passionate about marketing, you will excel during trial-times. Its just in me. I have a burning desire in how to talk and engage people. I love to be in the public, not arguing about things that doesn't relates with reality, but analysing and having creative conversations.

What you said also adds on how one can be more productive in the job. The style and process of that particular company may kill your vibe. You are correct.

I was marketing this monie-point pos product for a company, some time ago. No salary, just commission. Their model of operation was not all that good too. I suffered alot. But it wasn't the suffering that made me to quit my job with dem. I just feel i wasn't ready enough(was having some personal challenges on my own), so i drifted away from dem.

In the future, i will still engage in a good marketing firm, and eventually start my own sef.

Thanks so much for your contribution.

Omowale2023:
Bros......no try am. I have done it. Trust me, it's harder than it looks. You are always on pressure to meet target. Working on constant pressure will affect your performance. The only way you can have peace of mind to do that marketing job is if and only if, you are paid salary and allowances (Transport and feeding). Then you will be meeting your target all the time. That's why I will never do insurance Marketing again. They tell you to use your money to transport and feed yourself all the time. Furthermore, if you don't meet your target, they call you lazy and uninspired, insurance Marketing will tell you salary is slavery but yet they expect you to use your own money to look for customers for them and still give you 3.5% commission of whatever money the client/customers drop with them. I made up my mind I will never do insurance Marketing again. I have done marketing for other businesses like NBS(they gave us transport for 3 months straight upfront totalling over 150,000). I worked with another company at ikoyi, they gave me a bus and picked me at the nearest bus stop to my home at 7am to market each local government in lagos for a 2 weeks. A forking freaking bus. And they still have me 5k for transport when I got almost stranded. And guess what, instead of me to do the job in 2 weeks. I did everything in 4 days. Why? because I had transportation to go anywhere I want, the Marketing manager for the brand doubled the salary they were meant to give me. So you see. It's well sha. God help us.

TrainPark:
I am not really sure now, as I have been out of academics for 10years now. But I know the salary range is between 400k - 700k ish. The difference is in the additional employee value proposition like overseas and local conferences sponsorship, prestige, accomodation, and good work environment in the case of universities like AUN, etc.

But academics na very good field to work for work-life balance and you can use the extra time for side hustle which can fetch you far more than the monthly salary!!!

Thank you for your reply.

Love800:
In other words, you taking about the type of service or product the company markets. And also the company's mode of operation. I understand.

To me sha, i feel if you are passionate about marketing, you will excel during trial-times. Its just in me. I have a burning desire in how to talk and engage people. I love to be in the public, not arguing about things that doesn't relates with reality, but analysing and having creative conversations.

What you said also adds on how one can be more productive in the job. The style and process of that particular company may kill your vibe. You are correct.

I was marketing this monie-point pos product for a company, some time ago. No salary, just commission. Their model of operation was not all that good too. I suffered alot. But it wasn't the suffering that made me to quit my job with dem. I just feel i wasn't ready enough(was having some personal challenges on my own), so i drifted away from dem.

In the future, i will still engage in a good marketing firm, and eventually start my own sef.

Thanks so much for your contribution.

You are welcome sir. I enjoyed the conversation.