₦airaland Forum

I criticized this government when it first began but I agree with the emir here. Cut down on government spending and increase transparency and accountability. That way we can reduce borrowing. They have done quite well given the circumstances but cut down on spending. I voted LP during the last election. If I actually see government begin to make moves to cut down spending, Bulaba has my votes. But he must sack Umahi. That man is a disgrace as he can't give account of the coastal highway. This isn't bigotry. The man disgraced himself on Arise TV yesterday

IJAYA001:
This is exactly how to criticize a Government, say where they are performing and point where they are lacking behind but Peter Obi and his gullible followers will never see good thing this administration has done as if they are not seeing with eyes.

Which good thing have they done dat d citizens are enjoying?

grandstar:
If you don't support what he said, it is due to your poor grasp of economics and nothing else.

When OBJ tried several times to rid the country of fuel subsidies, the then NLC leader, Oshiomole, did all he could to frustrate him.

However, when he became governor, he now realized why government wanted to end the subsidies. He did not know it cost the federal government and the States lots of money, about 2% of GDP a year. He regretted his past actions.

Many of you are like Oshiomole.

Even after the subsidy is long gone You guyz wont demonizing " fuel subsidy" ... its only in Nigeria govt will paint " subsidy " evil

We have so many things govt is wasting our funds on, like continous splash of money on dead refineries in the last 20yrs we have wasted so much billions on the refinery that One no dey pain govt, politicians dont demonize those refineries maintainance waste

School feeding project since implementation as being nothing buh waste of limited funds

Senate allowance, this are excessive burdens ... they won't demonize it

Subsidy that goes to the people and make cost of living bearable is the Master piece of why Nigeria is not developed
we waste money on hajj, piligrims, and govt entourage dem no see that one ... now that subsidy is gone why is Tpain collecting more loans even than those that paid subsidy ... most painful part no tangible achievement, go n meet ur governors

Segxydube:
Which good thing have they done dat d citizens are enjoying?

You can ask Sanusi, Soludo or Okonjo if you don't know more than them. I don't have time for children of 8 , to loose an election doesn't blind someone's eye to the positivity of a government.

LagosOrigin:
Sanusi will come out and debunked that he didn't say these

This government can deceive people, eh

He said it on News Central.


https://www.youtube.com/watch?v=eGnSrFiN3mo

“I would like to see a better look at fiscal expenditure. We’re still spending too much money on government — on the cost of governance, too many political appointees, too many officers,” Sanusi said.

“If we do not improve the quality of spending and put a rein on expenditure, we’re going to continue borrowing.”

He warned that Nigeria could fall back into a debt trap if it failed to manage its post-subsidy savings prudently.

“After saving money from these expensive subsidies, after building up the government balance sheet, you go and spend it, and then you have to borrow again,” he cautioned.

“So we still have some steps to go on the fiscal side, but the first thing was to fix revenue, and I think with the tax reforms and what you’ve seen so far, the fiscal side is on its way.

kayperry:
Even after the subsidy is long gone You guyz wont demonizing " fuel subsidy" ... its only in Nigeria govt will paint " subsidy " evil

We have so many things govt is wasting our funds on, like continous splash of money on dead refineries in the last 20yrs we have wasted so much billions on the refinery that One no dey pain govt, politicians dont demonize those refineries maintainance waste

School feeding project since implementation as being nothing buh waste of limited funds

Senate allowance, this are excessive burdens ... they won't demonize it

Subsidy that goes to the people and make cost of living bearable is the Master piece of why Nigeria is not developed
we waste money on hajj, piligrims, and govt entourage dem no see that one ... now that subsidy is gone why is Tpain collecting more loans even than those that paid subsidy ... most painful part no tangible achievement, go n meet ur governors

The fuel subsidies consumes as much as 2% of GDP. That is extremely high. All the other sources of waste you scream about altogether to not amount to 0.5% of GDP.

Secondly, it was improverishing you. If there was never petrol subsidies, the Naira would probably hover around $1-N600. Buhari resorted to the printing of the Naira to subsidise petrol which is not only inflationary, but always leads to a massive depreciation of such a currency. That was one major reason why the Naira dropped from$1-N200 when he assumed office to $1-N1,500 today.

Sanusi you no be Oba of Benin O, you can't yarn anyhow or na back to exile in Nassarawa state for you!

Nefort:
If that is what Sanusi said then I will believe Tinubu is making progress. But let the masses feel it first.

Most of us are not so literate.
In most reforms all over the world,Singapore,China etc there is a stop gap period of 3,4,5 years before the masses begin to feel the effect.Thank God,we have begun to see the effect but the effect is still very minimal.By 2026,we shall be singing a positive song.

I don't align with you on food importation because we are wasting dollars, exporting jobs and bringing down the value of the naira.
Do you know the import bill for food within the past 365 days?
It's in billions of dollars.

Now we Nigerians always think we are a bird meanwhile we are just a butterfly and we have got to take lessons from our neighbors and fellow Africans.
I see Nigerians insulting Paul Biya of Cameroon due to him seeking reelection on one thread on nairaland and I was just laughing.

Let me ask you, is there any FG/ state owned company that is into agriculture?
I mean a state owned company paying workers to farm on state owned farms and feed the nation, with the harvested products being sold at subsidised prices?
Nigerians have not yet reached that level of intelligence.
Cameroon has SODECOTON for cotton production, and the cotton seeds pressed for cooking oil.
MAISCAM for corn.
SODEBLE for wheat
CDC for oil palm, bananas and rubber
PAMOL for oil palm
SOCAPALM for oil palm
NOSUCA for sugarcane and sugar
SEMRY for rice
Etc
These are the ones I can remember for now.

This policy will cutoff the exploitative tendencies of local farmers as the government sets prices for food items based on its production and if you like as a private farmer, sell at a higher price, na only your family go patronise you.
But the private farmers are also well taken care of by the government through subsidised fertilisers, planting seeds, equipment, expertise and agric loans, so they cannot complain of the price fixed by the the government for food products because the government produces more than them but allows them a margin to make a profit while also ensuring that the stare owned agricultural companies don't run at a loss and even if there is a loss, its minimal and offset by the abundance and cheap nature of food items for the average citizen.
Also, the export of food items is banned by the Cameroon government, even Cameroon pepper we eat in Nigeria is smuggled across the border.


Why should we import food when we have millions of hectares of arable land?
It does not make any sense at all.

Good day to you.

seunowa:
I align with you on food importation. Government should encourage food importation to counter the exploitative tendencies of Nigeria farmers. Imagine, what Nigerians went through during hike in gas prices, what happened was due to exploitative tendencies of Nigerians.

LagosOrigin:
Sanusi will come out and debunked that he didn't say these

This government can deceive people eh

He is a capitalist who is divorced from the poverty ravaging the poor. He is for the poor when he wants support from northerners. He spoke well but cancelled it when exposed the insincerity of this administration which collects all the money and waste it on appointees. Penny wise pound foolish.

grandstar:
Persons with a strong grasps of economic will give kudos to the president for these reforms.

Yes, there is a strong need to control spending, and this is in the area of many worrisome infrastructure projects such as a national network of high speed trains that would cost $60bn. Servicing the debt alone may consume as much as 1% of GDP yearly.

How many worrisome infrastructure projects are there in this supplemental budget

When was the last time you read about Stockholm Syndrome?

chisomkachy:
Nigerian President Bola Tinubu’s first supplementary budget includes a fleet of SUVs for himself and his wife, a presidential yacht and the renovation of his villa amid a cost-of-living crisis for some of the poorest people in the world.

The proposal — which seeks additional funding beyond the annual budget approved by Tinubu’s predecessor — comes as the government asks Nigerians to persevere through pain caused in part by a raft of economic reforms ushered in by the new president. Africa’s most populous country faces rampant unemployment, soaring food prices and a plummeting currency.

Federal lawmakers approved the president’s request for extra spending on Thursday, but eliminated the provision of 5 billion naira ($6.01 million) to buy a presidential yacht. Instead, they doubled the allocation to a student loan fund to 10 billion naira, according Abubakar Bichi, chairman of an appropriations committee in the House of Representatives.

The lawmakers approved 1.5 billion-naira proposed to purchase SUVs for the office of First Lady Oluremi Tinubu — an amount larger than that allocated to many individual federal colleges. The supplementary budget also proposes almost 6 billion naira to purchase SUVs for the presidency — more than the amount initially allocated to fund a student loan program for poor families.


https://www.bloomberg.com/news/articles/2023-11-02/nigeria-budgets-for-suvs-and-yachts-amid-economic-hardship

anonimi:
How many worrisome infrastructure projects are there in this supplemental budget

When was the last time you read about Stockholm Syndrome?

The Bloomberg article is old and obsolete. This 2025.

Putinofrussia:
Most of us are not so literate.
In most reforms all over the world,Singapore,China etc there is a stop gap period of 3,4,5 years before the masses begin to feel the effect.

Thank God,we have begun to see the effect but the effect is still very minimal.By 2026,we shall be singing a positive song.

It has been 26 years since Tinubu master plan reformed Lagos finance to squeeze out IGR for N3.4 trillion budget, up from N42 billion in 1999.

What has he achieved for so much increased revenue?

[quote author=Lanrelagboi post=133655707]Lagos has now crossed the 3 Trillion Naira annual budget mark. Crossed 2 Trillion in 2024.

Memory Lane: the first full-year Lagos State budget (Year 2000) in the 4th Republic was in the region of 40-something billion Naira. And it was described as “unprecedented” back then.


https://x.com/toluogunlesi/status/1877326708904181856?t=R_xycXnffVtjtiWwoGCzAQ&s=19[/quote]
https://www.youtube.com/watch?v=g5v-F81hNTs

The Permanent Secretary, Office of Drainage Services and Water Resources in Lagos State, Mahmood Adegbite, has said that people drilling borehole in the Lekki axis of the state is probably drinking ‘’shit water.”

While speaking at a stakeholders meeting in the state recently, Adegbite noted that contaminated boreholes in Lekki pose health risk and added that treatment of waste water would eradicate any form of disease that may arise from it.

He said, “On waste water treatment, I will say that everyone digging borehole within the Lekki axis is probably drinking what I will call ‘shit water.’

https://punchng.com/video-everyone-digging-borehole-in-lekki-is-probably-drinking-shit-water-lagos-govt/?fbclid=IwQ0xDSwMABDJjbGNrAwAEK2V4dG4DYWVtAjExAAEewOd7728C0FSKQJNWar4yKRxNpNKt1owSlw47y57FKAux2QxvQL24Iu18rtw_aem_3kB5Sd2GjpdqjN6zFuIs7w

grandstar:
The Bloomberg article is old and obsolete. This 2025.

How old is the Bloomberg news report for it to be obsolete

anonimi:
May 1, 2025

May Day: Hunger, unemployment, insecurity real— Tinubu

According to him: “The theme demands our collective attention and serves as a stark reminder of the need to create an environment where every worker feels safe, valued, and empowered to contribute to the growth and prosperity of our nation. As your President, I assure you that this administration is committed to creating such an environment for the common good.”

On the economic hardship, he noted that while it is a global phenomenon, its effects on Nigerians are particularly severe.

Tinubu said: “I am aware of the peculiarities of the economic hardship Nigerians face—rising living costs, hunger, insecurity, unemployment, and the loss of livelihoods. These challenges are real and demand definitive solutions, which I am poised to address as your President.

https://www.vanguardngr.com/2025/05/may-day-hunger-unemployment-insecurity-real-tinubu/

anonimi:
It has been 26 years since Tinubu master plan reformed Lagos finance to squeeze out IGR for N3.4 trillion budget, up from N42 billion in 1999.

What has he achieved for so much increased revenue?





https://www.youtube.com/watch?v=g5v-F81hNTs

The Permanent Secretary, Office of Drainage Services and Water Resources in Lagos State, Mahmood Adegbite, has said that people drilling borehole in the Lekki axis of the state is probably drinking ‘’shit water.”

While speaking at a stakeholders meeting in the state recently, Adegbite noted that contaminated boreholes in Lekki pose health risk and added that treatment of waste water would eradicate any form of disease that may arise from it.

He said, “On waste water treatment, I will say that everyone digging borehole within the Lekki axis is probably drinking what I will call ‘shit water.’

https://punchng.com/video-everyone-digging-borehole-in-lekki-is-probably-drinking-shit-water-lagos-govt/?fbclid=IwQ0xDSwMABDJjbGNrAwAEK2V4dG4DYWVtAjExAAEewOd7728C0FSKQJNWar4yKRxNpNKt1owSlw47y57FKAux2QxvQL24Iu18rtw_aem_3kB5Sd2GjpdqjN6zFuIs7w

How would you know when you have always shut your eyes?

grandstar:
If you don't support what he said, it is due to your poor grasp of economics and nothing else.

When OBJ tried several times to rid the country of fuel subsidies, the then NLC leader, Oshiomole, did all he could to frustrate him.

However, when he became governor, he now realized why government wanted to end the subsidies. He did not know it cost the federal government and the States lots of money, about 2% of GDP a year. He regretted his past actions.

Many of you are like Oshiomole.

And now that your uncle is that is president removed subsidy mention the gains that have accrued to the nation.

Just mention one.

If Sanusi lifestyle wasn't subsidized by the current administration would he say he supported subsidy.

I am not in the 20k crew, I speak for development.
You are only defending your allowee.

If your entire future is valued at 20k you should be in a bird cage.

Overall, fair and objective commendation, balanced with constructive criticism, from Sanusi.

I however disagree with his view on agriculture because he does not admit serious insecurity, specially driven by his Fulani people, has damaged agricultural yield in Benue, "the food basket" of Nigeria, and most areas of the North.

Sanusi is intelligent enough to know that it is pointless talking about Nigeria "strengthening its agricultural value chain" without considerable improvement in security.

I guess his rejection of seeing and stating the obvious is because his people are directly responsible for doing serious damage to the agricultural sector of Nigeria, and the prospect of improving it, through banditry and killings/intimidation of farmers.

Sanusi knows other regions that had conceded the agricultural sector to the North, because of the concept of competitive advantages, cannot create commercial scale crop farms overnight.

As usual, and with most Fulanis in leadership like Atiku and El Rufai etal, he is being economical with the truth and not admitting the role his people, he is never brave enough to call out for the greater good of Nigeria, play in getting Nigeria into the mess she is in today.


https://www.google.com/amp/s/thesun.ng/food-security-threatened-as-6-year-banditry-ravages-benue-report/

richiemcgold:
I agree with the emir on the fiscal spending.

But I disagree with the food importation. If we don't lift ban on food importation, local producers will continue to take advantage of the people by selling at ridiculously higher prices

What are the specific items that we import or ban
The following are our main staples in the south
Yam
Plantain
Cassava
Beans
Onions
Tomatoes
Peppers
Fish
Beef
Chicken
Eggs
Vegetable oil

Wheat
Rice

What you said about local producers exploiting people
I don't know what you are talking about

Apart from Rice ,wheat or wheat based products
What food is it that we import. that we can produce which local producers exploiting us on which food item are you talking about


About local producers exp

LagosOrigin:
Sanusi will come out and debunked that he didn't say these

This government can deceive people eh

What are you saying? Just be happy for Nigeria for once:
https://dailypost.ng/2025/10/08/economy-nigeria-has-pulled-back-from-brink-of-collapse-emir-sanusi/

datola:
“I would like to see a better look at fiscal expenditure. We’re still spending too much money on government — on the cost of governance, too many political appointees, too many officers,” Sanusi said.

“If we do not improve the quality of spending and put a rein on expenditure, we’re going to continue borrowing.”

Very well said by Sanusi

But the one he said the economy has rebound and the government doing 80% right isn’t well said. Crazy lots

aribisala0:
What are the specific items that we import or ban
The following are our main staples in the south
Yam
Plantain
Cassava
Beans
Onions
Tomatoes
Peppers
Fish
Beef
Chicken
Eggs
Vegetable oil

Wheat
Rice

What you said about local producers exploiting people
I don't know what you are talking about

Apart from Rice ,wheat or wheat based products
What food is it that we import. that we can produce which local producers exploiting us on which food item are you talking about


About local producers exp

More than 70 per cent of the food items you listed up there can be imported, even at cheaper rates.

richiemcgold:
More than 70 per cent of the food items you listed up there can be imported, even at cheaper rates.

we import Yam Plantain and cassava.? From where

Putinofrussia:
How would you know when you have always shut your eyes?

Looks like you are the one who always shuts your eyes to see what the Permanent Secretary, Office of Drainage Services and Water Resources in Lagos State, Mahmood Adegbite, and other original Lagosians are seeing. Àwọn original Lagosians tí wọ́n yàtọ̀ sí àwọn atọhunrinwa.

Potable water still luxury 23 years after return of democracy

WHILE the Federal Government continues to proliferate the country with dams, it is such an irony that a state like Lagos, with its massive, constant boast of being a megacity, cannot provide its residents, thereby forcing the bulk of them to take solace in the arms of water boreholes.

At regular intervals, the two major waterworks in the state, the Adiyan, and Iju get grounded leading to the non-availability of water. In April and May last year, for instance, they both produce less than 10% of their installed capacity.

As of today, Eti-Osa, Apapa, Victoria Island, Badagry, Ibeju Lekki, Surulere, Ikorodu, Agege, Ojo, Mushin Kosofe, and most locations in the state are without access to clean water. Consequently, millions of residents now rely on boreholes, rivers, rainwater, as well as comprised wells for their water needs.

On its website, the LWC claims that it has a total installed water production capacity of 210 million gallons per day (MGD), which is far lower than the current estimated daily water demand of 540 million gallons per day.

Also, its plan to produce 745 million gallons per day by the year 2020 through the Lagos Water Supply Master Plan fell flat with the actual number of citizens having access to potable water dropping, rather than increasing 11 years after the launch of the master plan.

A senior staff of LWC, who preferred anonymity said that at present, its agency only supplies water to Lekki, parts of Ikoyi, Victoria Island (VI), Ojodu, Iju, and some parts of Ikotun.

https://guardian.ng/sunday-magazine/potable-water-still-luxury-23-years-after-return-of-democracy/

Lawmaker scores Lagos Water Corporation low

A Lagos State lawmaker, Mr Saka Fafunmi, on Thursday expressed dissatisfaction at the performance of the state Water Corporation.

Fafunmi, a member of the Lagos State House of Assembly (LAHA), said in Ikeja that the corporation had not been able to justify statutory allocations to it.

The lawmaker, who represents Ifako-Ijaiye Constituency 1 at the assembly, spoke to the News Agency of Nigeria (NAN).

He said that the corporation had the capacity to generate much fund internally through water rates but had relied solely on government funding because of poor performance.

'' Anyone that is using water will be willing to pay for it; the corporation has not been giving us water.

"Is there any new community that Water Corporation has given water? People depend on boreholes; even government estates have industrial boreholes.

"Why do we keep pumping money into an agency that does not give us the desired results?'' he asked.

He noted that the Adiyan Waterworks was located at Ifako-Ijaiye, where many of the residents had resorted to digging boreholes as a means of getting water.

''A lot of people are falling sick because they don't drink clean water.

''In the same compound, where you have sewage, is where you have a borehole.

''There is no way you can manage the sewage that it will not leak and pollute the water; everyone drinking such is drinking contaminated water,'' he said.

The lawmaker urged the corporation to increase water reticulation and supply to residents.

From: http://www.punchng.com/politics/lawm...rporation-low/
https://repository.upenn.edu/cgi/viewcontent.cgi?article=1056&context=mes_capstones;Ensuring

aribisala0:
we import Yam Plantain and cassava.? From where

You initially listed 14 food items. You don't have to single out only yam, plantain and cassava. I said more than 70% of them can be imported. And I mean it when I said cheaper rates.

Yam
Plantain
Cassava
Beans ✅
Onions
Tomatoes✅
Peppers✅
Fish✅
Beef✅
Chicken✅
Eggs✅
Vegetable oil✅

Wheat✅
Rice✅

Permit me to add diary products, juice, fruits and veggies

BTW, I'm not against local production, but I don't support importation ban.

LagosOrigin:
Sanusi will come out and debunked that he didn't say these

This government can deceive people eh

Sorry, Ndubuisi; his commendation of Mr president on his economic reform that is working pained you to the marrow, right? I feel your online pain, you rushed to the thread because of "but..." to get "first to comment" trophy, but you were disappointed only for you to see list of appraisals of mr president. Chai! Obi policies of container economy in the mud.

If you like, still be blindfolded by your hatred of president Tinubu I proving economy; better former LP and PDP that have seen mr Tinubu reform working even from ENUGU, the coal city are rushing to APC while they left former former, ex ex for ADC to take care of while LP don't even get any. By 3pm in 2027 election day, by God grace; Tinubu and his supporters are already dancing of winning while they leave wailing over for mushroom parties like ADC, LP and more to further waste their money on court cases for fruitless ventures

richiemcgold:
You initially listed 14 food items. You don't have to single out only yam, plantain and cassava. I said more than 70% of them can be imported. And I mean it when I said cheaper rates.

Yam
Plantain
Cassava
Beans ✅
Onions
Tomatoes✅
Peppers✅
Fish✅
Beef✅
Chicken✅
Eggs✅
Vegetable oil✅

Wheat✅
Rice✅

Permit me to add diary products, juice, fruits and veggies

BTW, I'm not against local production, but I don't support importation ban.

Carbohydrates are the item people spend the most money on so let us not waste time on frivolities beyond rice what else do we eat I don't have time to be typing the same thing over and over
Dairy products, juice fruits are not what the average Nigerians eat
I am trying to be real
That word veggies is not our vocabulary

You are sounding like ajebutter
Are you talking about ewedu ugwu or what

I am not here to talk about what can happen but what happens
Beyond rice and wheat
Which Carbohydrates are we currently importing in Nigeria

franvincoop:
I don't align with you on food importation because we are wasting dollars, exporting jobs and bringing down the value of the naira.
Do you know the import bill for food within the past 365 days?
It's in billions of dollars.

Now we Nigerians always think we are a bird meanwhile we are just a butterfly and we have got to take lessons from our neighbors and fellow Africans.
I see Nigerians insulting Paul Biya of Cameroon due to him seeking reelection on one thread on nairaland and I was just laughing.

Let me ask you, is there any FG/ state owned company that is into agriculture?
I mean a state owned company paying workers to farm on state owned farms and feed the nation, with the harvested products being sold at subsidised prices?
Nigerians have not yet reached that level of intelligence.
Cameroon has SODECOTON for cotton production, and the cotton seeds pressed for cooking oil.
MAISCAM for corn.
SODEBLE for wheat
CDC for oil palm, bananas and rubber
PAMOL for oil palm
SOCAPALM for oil palm
NOSUCA for sugarcane and sugar
SEMRY for rice
Etc
These are the ones I can remember for now.

This policy will cutoff the exploitative tendencies of local farmers as the government sets prices for food items based on its production and if you like as a private farmer, sell at a higher price, na only your family go patronise you.
But the private farmers are also well taken care of by the government through subsidised fertilisers, planting seeds, equipment, expertise and agric loans, so they cannot complain of the price fixed by the the government for food products because the government produces more than them but allows them a margin to make a profit while also ensuring that the stare owned agricultural companies don't run at a loss and even if there is a loss, its minimal and offset by the abundance and cheap nature of food items for the average citizen.
Also, the export of food items is banned by the Cameroon government, even Cameroon pepper we eat in Nigeria is smuggled across the border.


Why should we import food when we have millions of hectares of arable land?
It does not make any sense at all.

Good day to you.

I think you have a very good submission.....

aribisala0:
Carbohydrates are the item people spend the most money on so let us not waste time on frivolities beyond rice what else do we eat I don't have time to be typing the same thing over and over
Dairy products, juice fruits are not what the average Nigerians eat
I am trying to be real
That word veggies is not our vocabulary

You are sounding like ajebutter
Are you talking about ewedu ugwu or what

I am not here to talk about what can happen but what happens
Beyond rice and wheat
Which Carbohydrates are we currently importing in Nigeria

Even rice and wheat you mentioned were far cheaper when imported. Ok let's narrow it down to rice and wheat, do we have to ban importation of rice and wheat? No!

grandstar:
The fuel subsidies consumes as much as 2% of GDP. That is extremely high. All the other sources of waste you scream about altogether to not amount to 0.5% of GDP.

Secondly, it was improverishing you. If there was petrol subsidies, the Naira would probably hover around $1-N600. Buhari resorted to the printing of the Naira to subsidise petrol which is not only inflationary, but always leads to a massive depreciation of such a currency. That was one major reason why the Naira dropped from$1-N200 when he assumed office to $1-N1,500.

Subsidy is gone now, +2% back to GDP what have these govt achieved better than previous govt that even paid the subsidy,

Mind you subsidy on health, education, and electricity have being remove yet to what gain

Is it not crazy after removing All subsidy, double Taxation the govt is still borrowing at × 2 over the past govt .. the meaningful project going on is that coastal road and it on loan
what is govt really doing with taxes, high revenue turning every agency into money making entreprise