Any ideas where to get ticket from 9ja to Canada. Arik air London flights suspension don scuba my plans. Will want to avoid US if possible unless it amounts to a significant price difference.

Qc1:



There is a manufacturer at Aga/sholebo in ikorodu

Obeseke:


The issue of rent is planning-based, and a matter of priority and discipline. If monthly rent is agreed, you would be amazed how much default you would still have. When you know you would not be able to pay your rent all at once (perhaps because your monthly take home would not be able to accommodate it), why not save the monthly rent due for keeps in the bank ? Sensitive as the issue is, some do not take it serious. It also seems the Lagos State Tenancy Law of 2011 has not helped matters considering the notices landlords are required to give to tenants. Can you imagine a tenant who told the landlord and managing company that he was facing financial difficulty could afford to travel abroad on vacation with the family; he only chose to not pay rent all through the year till he moved out of the apartment!!! And all the while was begging and promising heaven and earth!!! Not until he moved out without paying the rent for a whole year did the landlord hear from other tenants that he did travel with the family on vacation same year he did not pay. It is better we have our priorities right so that we do not run into problems. No doubt, money and the era we are in Nigeria now are hard. But with proper planning and discipline, one should be able to survive.

How easy is it to save in an economy of high inflation and high cost?. Do you know that people prorate their children school fees to be monthl?. Is it lacking of planning that is making not to pay it at once or pay the one year school fees at once?. When you have monthly expenses, after settling them, you live on the reminder.

So it is not a lack of planning that is the cause. You earn monthly and you are required to pay for something for a year in advance. I hope you know that this one year rent payment is in advance and not in arrears. So, if you have not earned the one year salary, where do you get what you are going to save from?.

Gbam. My Landlord collects yearly rent from me. The rent falls due on early October. Imagine after being broke from paying school fees for a new term in September, a Landlord expects me to immediately cough up a year's rent. If i was paying monthly, i would have been able to immediately pay the one month after paying school fees.

[/quote]

If you must know, one of your major priorities, even before education, is accommodation. If you do not have a place to live, everything goes wrong. So don't take advantage of the inefficient system in the country to dupe or cheat your landlord. You will get your reward if you choose to do so. Would you rather that you go on vacation abroad than paying your rent all through the year? Set your priorities right. Property owners are also human and some could be more reasonable. Am sure some will accept part payment if you approach them with it against promises. How do you justify one who was begging the landlord and the managing company and making unfulfilled promises to pay till they move out of the apartment only for the landlord to later be informed by other tenants that that family went on vacation to the USA after he had moved out of the apartment with the unpaid rent? It really takes a lot of discipline to be responsible.

NL1960:


Gbam. My Landlord collects yearly rent from me. The rent falls due on early October. Imagine after being broke from paying school fees for a new term in September, a Landlord expects me to immediately cough up a year's rent. If i was paying monthly, i would have been able to immediately pay the one month after paying school fees.

If you must know, one of your major priorities, even before education, is accommodation. If you do not have a place to live, everything goes wrong. So don't take advantage of the inefficient system in the country to dupe or cheat your landlord. You will get your reward if you choose to do so. Would you rather that you go on vacation abroad than paying your rent all through the year? Set your priorities right. Property owners are also human and some could be more reasonable. Am sure some will accept part payment if you approach them with it against promises. How do you justify one who was begging the landlord and the managing company and making unfulfilled promises to pay till they move out of the apartment only for the landlord to later be informed by other tenants that that family went on vacation to the USA after he had moved out of the apartment with the unpaid rent? It really takes a lot of discipline to be responsible.

You cannot offload the country's economic problems on your landlord/landlady. There can be no moral justification for that.

You willingly signed an agreement when you were going to move into your apartment as to the mode of payment (monthly/quarterly or yearly). You must have worked on your cashflow with some assumptions (and this same theory apply to your landlord).If anything goes wrong then you should take responsibility for it,don't shift it on your landlord/landlady,that will be morally unfair and financially suicidal.

A roof over your head is/should be number one on your scale of preference.Every other thing (school fees inclusive) is secondary. As it is not easy to save for you as a tenant "in an economy of high inflation",the same applies to your landlord.

Additionally,it takes you an average of 11months to save towards your yearly rent. You see how much time you have to work and rework your cashflow? Shifting the blame and the consequences of economic woes/problems on the landlord is to say the least callous. I don't speak on behalf of no landlord/landlady,I speak as one who has a moral reason to condem what is not fair. I understand some landlords/landlady can be a pain in the A** but many show understanding in relations to what is obtainable in the economy. You can work out a payment plan with an understanding landlord/landlady if s/he is that reasonable if not, rework your cashflow to fit into your circumstance.

I think a yearly rent is the best in Nigeria until such a time when the credit (referencing) system is fully in place in Nigeria. Just like somebody mentioned earlier, BVN offers a step in the right direction if the financial regulatory body takes advantage.

NL1960:


How easy is it to save in an economy of high inflation and high cost?. Do you know that people prorate their children school fees to be monthl?. Is it lacking of planning that is making not to pay it at once or pay the one year school fees at once?. When you have monthly expenses, after settling them, you live on the reminder.

So it is not a lack of planning that is the cause. You earn monthly and you are required to pay for something for a year in advance. I hope you know that this one year rent payment is in advance and not in arrears. So, if you have not earned the one year salary, where do you get what you are going to save from?.

Obeseke:


If you must know, one of your major priorities, even before education, is accommodation. If you do not have a place to live, everything goes wrong. So don't take advantage of the inefficient system in the country to dupe or cheat your landlord. You will get your reward if you choose to do so. Would you rather that you go on vacation abroad than paying your rent all through the year? Set your priorities right. Property owners are also human and some could be more reasonable. Am sure some will accept part payment if you approach them with it against promises. How do you justify one who was begging the landlord and the managing company and making unfulfilled promises to pay till they move out of the apartment only for the landlord to later be informed by other tenants that that family went on vacation to the USA after he had moved out of the apartment with the unpaid rent? It really takes a lot of discipline to be responsible.

Why are you using a singular action of one person to justify?. How many people have you heard went abroad and did not pay rent?. I hope you also know that there are some Landlords that collect one year rent from you and after six months, they tell you to come and pay another six months even when you earlier 0ne year has not expired and when you ask him why, he will tell you that he just lost a loved one and so need the money for burial. It is not only tenants that are not responsible. Even some of the Landlords are not responsible.

Last year, my Landlord just wrote us a letter with an increment of 100%. We all just started laughing. Mind you, this is an educated and well read Landlord.

Marilo:
You cannot offload the country's economic problems on your landlord/landlady. There can be no moral justification for that.

You willingly signed an agreement when you were going to move into your apartment as to the mode of payment (monthly/quarterly or yearly). You must have worked on your cashflow with some assumptions (and this same theory apply to your landlord).If anything go wrong then you should take responsibility for it,don't shift it on your landlord/landlady,that will be morally unfair and financially suicidal.

A roof over your head is/should be number one on your scale of preference.Every other thing (school fees inclusive) is secondary. As it is not easy to save for you as a tenant "in an economy of high inflation",the same applies to your landlord.

Additionally,it takes you an average of 11months to save towards your yearly rent. You see how much time you have to work and rework your cashflow? Shifting the blame and the consequences of economic woes/problems on the landlord is to say the least callous. I don't speak on behalf of no landlord/landlady,I speak as one who has a moral reason to condem what is not fair. I understand some landlords/landlady can be a pain in the A** but many show understanding in relations to what is obtainable in the economy. You can work out a payment plan with an understanding landlord/landlady if s/he is that reasonable if not, rework your cashflow to fit into your circumstance.

I think a yearly rent is the best in Nigeria until such a time when the credit (referencing) system is fully in place in Nigeria. Just like somebody mentioned earlier, BVN offers a step in the right direction if the financial regulatory body takes advantage.

The question is not about contract. The question is on how fair is it?. Iam sure if a statistics, investigation and analysis is done, we might discover that there is a higher rate of rent default in those that pay yearly than those that pay monthly. For yearly rent payment, iam sure you have to give a longer quit notice period as compared to a monthly rent payment.

Iam in a service industry where our agreement and contract says you have to pay one year advance for service. We have had companies who complain of cash flow and ask for monthly or quarterly payments and we have obliged. Do you think such companies did not have 11 months to save for the yearly payment?. I hope you know that when a loan is taken and you cannot meet up with repayment, you can do a restructuring?.

Anyway, what you are saying is just theory. Ask Landlords that are here what they face. It is easy to talk of contract and breach of contract when reality has not set in. My Landlord told his agent to go and collect a 1 rent of 1million from a tenant. The tenant told the agent that he had only 600k presently and that he should take it while he looks for the balance but the agent refused. When the agent told the Landlord, he told him to go back immediately and collect the 600k that is available because according to the Landlord, what if the tenant spends the money before he gets the balance?. You give 6 months quit notice abi and if the man goes to our court that takes endless years to complete, what do you do?.

You have just repeated what I stated. Please take time out to read my post (this time with no emotional overdrive and no sentiment).

1. A contract is a contract if the law of the land gives it backing.

2.You can "restructure" your mode of payment as long as your landlord agrees.

3.Some landlords will not agree (reality or not).

4. You are legally bound by the agreement you sign (the circumstance of the economy notwithstanding).

All of the above is no justification to unilaterally change the payment plan simply because you have the children school fees to pay or because the economy is upside down (cashflow or not).

NL1960:


The question is not about contract. The question is on how fair is it?. Iam sure if a statistics, investigation and analysis is done, we might discover that there is a higher rate of rent default in those that pay yearly than those that pay monthly. For yearly rent payment, iam sure you have to give a longer quit notice period as compared to a monthly rent payment.

Iam in a service industry where our agreement and contract says you have to pay one year advance for service. We have had companies who complain of cash flow and ask for monthly or quarterly payments and we have obliged. Do you think such companies did not have 11 months to save for the yearly payment?. I hope you know that when a loan is taken and you cannot meet up with repayment, you can do a restructuring?.

Anyway, what you are saying is just theory. Ask Landlords that are here what they face. It is easy to talk of contract and breach of contract when reality has not set in. My Landlord told his agent to go and collect a 1 rent of 1million from a tenant. The tenant told the agent that he had only 600k presently and that he should take it while he looks for the balance but the agent refused. When the agent told the Landlord, he told him to go back immediately and collect the 600k that is available because according to the Landlord, what if the tenant spends the money before he gets the balance?. You give 6 months quit notice abi and if the man goes to our court that takes endless years to complete, what do you do?.

Marilo:
You have just repeated what I stated. Please take time out to read my post (this time with no emotional overdrive and no sentiment).

1. A contract is a contract if the law of the land gives it backing.

2.You can "restructure" your mode of payment as long as your landlord agrees.

3.Some landlords will not agree (reality or not).

4. You are legally bound by the agreement you sign (the circumstance of the economy notwithstanding).

All of the above is no justification to unilaterally change the payment plan simply because you have the children school fees to pay or because the economy is upside down (cashflow or not).

You think @diordaves that brought up this issue is not aware of this or what?. There are times you have to face realities and unilaterally 'adjust' your own position. I gave an example of a 600k 1 year rent that was refused by an agent because the contract or agreement said 1m for 1 year only for the Landlord to send him back to go and collect it. You think the Landlord does not know about laws of contract. A contract of one year rent is signed and somebody gives you an immediate 6 months and agrees to spread the remaining 6 months over two payments and you refuse. You are very right. He has breached a contract. You give him 6 months quit notice and he leaves. Before he leaves, he intentionally destroys things in the apartment. You then go and take a loan to renovate it so as to rent it to another tenant. A desperate person enters and after one year, the cycle continues. You need to go and ask Landlords what they are facing. Some tenants will tell you to go to court and prove your contract is a contract there.

Now that you have written that (in bold),I rest my case with you.

I thought we were looking at what is morally and legally right, never knew you were looking at "I-must-have-my-way-at-all-cost" approach to resolving landlord/landlady -tenant relationship.

A reminder: Whatever is good for the goose,is also good for the gander. A destructive tenant will equally meet his match someway, somehow and somewhere and the law will take it full course.

NL1960:


You think @diordaves that brought up this issue is not aware of this or what?. There are times you have to face realities and unilaterally 'adjust' your own position. I gave an example of a 600k 1 year rent that was refused by an agent because the contract or agreement said 1m for 1 year only for the Landlord to send him back to go and collect it. You think the Landlord does not know about laws of contract. A contract of one year rent is signed and somebody gives you an immediate 6 months and agrees to spread the remaining 6 months over two payments and you refuse. You are very right. He has breached a contract. You give him 6 months quit notice and he leaves. Before he leaves, he intentionally destroys things in the apartment. You then go and take a loan to renovate it so as to rent it to another tenant. A desperate person enters and after one year, the cycle continues. You need to go and ask Landlords what they are facing. Some tenants will tell you to go to court and prove your contract is a contract there.

Marilo:
Now that you have written that (in bold),I rest my case with you.

I thought we were looking at what is morally and legally right, never knew you were looking at "I-must-have-my-way-at-all-cost" approach to resolving landlord/landlady -tenant relationship.

A reminder: Whatever is good for the goose,is also good for the gander. A destructive tenant will equally meet his match someway, somehow and somewhere and the law will take it full course.

On the bold, there is no argument on that. It is morally and legally right to abide by a contract of 1 year signed by a tenant but in situations whereby this is not being adhered to, what is to be done?. If you are a Landlord and you have a mix of yearly tenants and monthly tenants all with signed contracts and there is a high rate of default from the yearly tenants, should you not appraise your present position by trying to investigate the cause of the high rate of default of the yearly tenants?. Will you just go to your file cabinet and drag out the 'contract is a contract' document on them?. I hope you know that just showing them the contract does not end there. You still have to give a quit notice which has its own rules and regulations. You might even end up in a court and nothing stops the tenant telling the Magistrate 'My Lord, i know iam in breach of the contract of 1 year because i have only 9 months rent on me. I pray the court to allow me the maximum number of months for quit notice allowed by law for me to get another accommodation'. What do you think the Magistrate will do in such a case?. Tell you to throw him out immediately?.

akinolaolujide:
Latest Project
A five bedroom Duplex for a client at Magboro we decided to play it different within the Neighbourhood.

We've seen many 3D that the final build didn't look anything like it.

Set up your own thread and walk us through the construction phase.

yak:


thanks. but 3bed shld b able to get approval I guess

I am afraid it can't sir. Lets do the maths...
Let's assume u are using 12ft for the living room & 10ft for the guest room. plus your block wall is already about 12 + 10 + 450mm for block wall = 23ft.
36- 23 =13ft.

Though i don't know your state, but minimum setback for sides of residential building is around 8ft.
But there is a way u can by pass it, though not advisable. Your site drawing will be different from d approval drawings with subtle differences, so u can later ascribe it to modification. It seems u have already bought the land sir...

DAIL:
Tile and wooden floor which is better and cost difference pls

Tile should be costlier depending on your spec. & i think it is more durable

snakebeat:

I am afraid it can't sir. Lets do the maths...
Let's assume u are using 12ft for the living room & 10ft for the guest room. plus your block wall is already about 12 + 10 + 450mm for block wall = 23ft.
36- 23 =13ft.

Though i don't know your state, but minimum setback for sides of residential building is around 8ft.
But there is a way u can by pass it, though not advisable. Your site drawing will be different from d approval drawings with subtle differences, so u can later ascribe it to modification. It seems u have already bought the land sir...

thanks so much for ur time. av learnt something new.
some money has already exchanged hands but all the same, let's c how it goes

I recommend this documentary.


https://www.youtube.com/watch?v=A0zMa_vxTp0

snakebeat:

Tile should be costlier depending on your spec. & i think it is more durable

thanks do you have idea per square mtr for wooden floor , would love to do that for my bedrooms

Marilo:


I think a yearly rent is the best in Nigeria until such a time when the credit (referencing) system is fully in place in Nigeria. Just like somebody mentioned earlier, BVN offers a step in the right direction if the financial regulatory body takes advantage.

So why is yearly rent the best? You've made some valuable points, no doubt but why yearly rent? What are the problems​ that yearly rent is solving that made yearly rent the best?

From my take, problems of rentals are:
Default
Vandalism
Anti social behaviour

So from the above, does yearly rent better solve these as against monthly rent?

Do you buy the argument that Landlords/ladies went yearly due to greed? Shortermism syndrome; wanting to "pack" money to the back quick quick?

And there's another argument that yearly rent is a form of insurance for landlords/landladies. Before story start, I don collect one year first.

gabbytabby:
Any ideas where to get ticket from 9ja to Canada. Arik air London flights suspension don scuba my plans. Will want to avoid US if possible unless it amounts to a significant price difference.

I always buy my tickets online, you can't beat the price. Just google "cheap tickets from Lagos to Canada". It is well.

DAIL:
thanks do you have idea per square mtr for wooden floor , would love to do that for my bedrooms

No sir...haven't really used it

Yeah. But it's still a good start. At least for banks/financial instutions. The problem with Nigeria is that there is no way to UNIQELY identify an entity. So, the banks have initiated that, so that an entity is uniqely identified accross all banks. Of course, a lot of folks do not even have bank accounts, so their own biometric information is not even captured. A friend of mine (used to be a software developer here with Microsoft) has got a good start on the credit reporting thing there in Naija. http://www.creditregistry.com/ He did say there are other credit companies as well. Before the BVN even came into the picture, We've discussed the possibility of such a thing in Nigeria. Little by little, naija will get there.

I believe MTN was even able to leverage the BVN info to register sim cards.

mavverick:

I see a missed opportunity with the BVN thing. I hope one day everyone gets a credit profile in Nigeria.

1.Yearly rent offers some form of security to the landlord.

2.You can liken a rent to a loan obtained from a financial institution. The "collateral security" the banks require in case of default is the same as the yearly rent required by landlords.

3.In the past,the norm was monthly/weekly rent in Nigeria. The economy drove that away as the rate of default was high owing largely to a bad economy. So landlords ask for a year's rent (In some cases,2 years) to serve as some form of security. Even in advanced economies, when your credit rating is bad,they can ask you to make a year rent or 6 months payment.

4. Our tax law actually encourages a yearly rent system (I might not want to go into details as it will take a lot of space). Look at the allowable expense in your tax composition and you'd find what is termed "Housing Allowance".

5. Yearly rent offers what you might call economies of scale. The cost of chasing the rent every month is reduced to the barest minimum.

6.It is a known fact that most tenants don't want to see their landlords as the sight of them either means trouble, privacy invasion or has some form of cost implication.So it takes the burden off them paying yearly. A year's rent payment give some form of peace of mind as it takes the "burden" of paying monthly off them. Although,this can be contested by many.

Bottom line: Yearly rent offers some form of security in case of default,gives the tenant peace of mind to chase other equally important investment decisions.

diordaves:


So why is yearly rent the best? You've made some valuable points, no doubt but why yearly rent? What are the problems​ that yearly rent is solving that made yearly rent the best?

From my take, problems of rentals are:
Default
Vandalism
Anti social behaviour

So from the above, does yearly rent better solve these as against monthly rent?

Do you buy the argument that Landlords/ladies went yearly due to greed? Shortermism syndrome; wanting to "pack" money to the back quick quick?

And there's another argument that yearly rent is a form of insurance for landlords/landladies. Before story start, I don collect one year first.

gabbytabby:
Any ideas where to get ticket from 9ja to Canada. Arik air London flights suspension don scuba my plans. Will want to avoid US if possible unless it amounts to a significant price difference.

search:
wakanow.com
travelstart.com.ng
cheapflights.com

choose the naira payment option

800sqm, corner piece, available in Isheri North GRA (second gate) for 10m naira only. (Urgent Sale).

EgunMogaji:


We've seen many 3D that the final build didn't look anything like it.

Set up your own thread and walk us through the construction phase.

Great day
The reasons are Quite Simple there is a disconnect between the drawings and the team. Either the Architectural drawings are not build-able or the construction team doesn't know what they do. Am not a building contractor sir Am an Architect and i can only speak for my drawings having Adequate details to ensure the realisation of the design, that is the whole essence of my practice. If the client does involve an Architect in supervision and gets an otherwise result i think that lies with the contractor and the client. Many Clients and contractors cuts plenty corners and want to blame the design. A design Job given to a competent Architect will always yield the same result.
Have a blessed day sir.

akinolaolujide:

Great day
The reasons are Quite Simple there is a disconnect between the drawings and the team. Either the Architectural drawings are not build-able or the construction team doesn't know what they do. Am not a building contractor sir Am an Architect and i can only speak for my drawings having Adequate details to ensure the realisation of the design, that is the whole essence of my practice. If the client does involve an Architect in supervision and gets an otherwise result i think that lies with the contractor and the client. Many Clients and contractors cuts plenty corners and want to blame the design. A design Job given to a competent Architect will always yield the same result.
Have a blessed day sir.

It has also been argued here before that sometimes architects design these 3D's without taking into full consideration on what's available locally as in regards to materials and skillset.

Hopefully, you'll be able to design and build something that you can show us in due time.

Thanks.

FastShipping:


In fact, I feel like hitting my head on the wall sometimes when I see interior finishing of 50-60M Naira duplexes here. I see them here everyday and shake my head everyday. Mostly the exterior is between 4-6/10 and interior 1-3/10. I was generous with those scores.

I had to disengage some people from my site two weeks ago as rubbish was going on there. They were doing rubbish and wasting money and materials. They lack supervision. I couldn't let them continue because I have tiles and finishing materials worth 9 million+ I can't let them bastardize.

I have been hearing underground that Hslbroker did a bad roof job for you. He did a same shoddy job too for me. I don't know why he has not been exposed on Nairaland.

You would have saved someone like me thousands of Naira. I do not come online to say bad things about artisan.

This guy can never be successful in this world and after life.

amanikondo:


I have been hearing underground that Hslbroker did a bad roof job for you. He did a same to me. I don't know he has not been exposed on Nairaland.

Ah

I've been unlucky with some nairalanders. I saw you just sent me a mail.

amanikondo:

I have been hearing underground that Hslbroker did a bad roof job for you. He did a same to me. I don't know he has not been exposed on Nairaland.

I have heard the same bad jobs from three clients also..
I hope some of these clients will bring him to book here.
Please guys watch whom you award your contracts.

Hajji M.

FastShipping:


Ah

I've been unlucky with some nairalanders.

I have updated my message.
PM me let me send you pictures.

mufutau55:


I have heard the same bad jobs from three clients also..
I hope some of these clients will bring him to book here.
Please guys watch whom you award your contracts.

Hajji M.

What 3 strike did to Brabus on Nairaland is what I will do it him. All prospective clients will be informed.

amanikondo:


I have updated my message.
PM me let me send you pictures.

I have been a victim of quacks here. Don't believe the pictures you see here.

Without sending me pictures, I know what you must have gone through. My roof was completely torn down and had to be done twice. I don't know how some people come here to pose as professionals when they are actually stark illiterates in real world. I just don't like destroying people. My advice to him at the time was to have somber reflection and to change his way and not pose as what he's not. If I decided then to open a thread here about what happened to me, I believe he wouldn't come to nairaland again or hurt himself. A lot did go down during my roofing stage. Sometimes when I see him taking on people's builds and criticizing their work, I just open my mouth with disbelieve. I hope the guy finds other way to earn a living.

Up till today I saved his endless plea he sent to me on BlackBerry and promise he made to be of good conduct.

I just left things to God because God has never let me lack much.