₦airaland Forum

This fixture was dubbed "the final before final" and it has lived upto that !

congratulations BARCA, NO BALON D'OR for Merci

kikikiki

Airhuncho:
Its may 1st, how u maintain ur level of mediocrity is astonishing.

i hope you watched the match with your Merci??

HOW MARKET?

MERCI IS A BOY where CR7 is, case closed.

and you too Jaytecq:!


https://www.nairaland.com/5135164/liverpool-vs-barcelona-ucl-semi-finals/43#78197079


if i start insulting you now as promised, .you will say more rubbish... So keep insulting yourself in public or think twice and do not do it next time.

good bye.

RealityShot:
face your front and stop comparing CR7 to that leech

because he scored against Man U..

mtchewww... Klopp is waiting for him


if he fails to take the champions league that is when i will insult you back for comparing a small boy to his elder brother!

Airhuncho:
Its may 1st, how u maintain ur level of mediocrity is astonishing.

i hope you watched the match with your Merci??

HOW MARKET?

MERCI IS A BOY where CR7 is, case closed.

Solokito:
4-0 please what's the title of this nija movy

sports betting

Was Merci injured? Given a red card?

MERCI ... Have you learnt that C. Ronaldo is greater than you?

ghostmode...

Mtchewww!
stop disgracing Igbos!
O soso uto ka i gara ime na di?

technuel:
We have brain here

If not for politicians Nigeria would have been one of the best Country on earth.

..and British govt's indirect rule.

BluntBlunt:
That statement is not offensive. But when a guy tells the girl later that she is cheap and he never wanted her but just wanted to have sex with her. Or calling her a w.h.o.r.e. the girl can cut him off
He obviously us not mature enough

lol

oya CUT biko!

Strongbest:
Lols. I am back bro. Hey, how do you mean please? As in, how to post the link to my telegram channel here without "chopping" a ban from antispambot.

Just wondering if the link will still be clickable following your instructions of spacing....


Thanks

great!

the link will not be clickable.
they can copy and paste it on the address bar,
then remove spaces.


ALTERNATIVELY
put link in your profile personal text and they can copy it from there.

lakesguy:
crying about what?

its now you want to know, right?

forget it... Stanbic IBTC solved my case since 2017.

bye.

those who have ear/eyes let them know.

BluntBlunt:
Of cos if you can't condone whatever attitude. When I mean arkward, I mean start using the fact that she made the first move to insult her, or acting weird.

but girls do those things ALL THE TIME (even after marriage!)


"i was on my own o.. You said you like me!..."

if girls are allowed to get away with it.. Then free boys/men to do same...

BluntBlunt:
She is very brave and confident. But the moment the guy starts acting arkward she should bravely cut him off.

when girls start acting arkward, do bos who approached them cut them off?

ahiboilandgas:
I have 3 flats of 3 bedroom I think the house will be wort around 25m-30m ,my Neigbour sold his for 27 m ,I have 3 tenant paying 350 ,300 ,350 each making 1 m I spend like 50 k yearly fixing 0ne thing or the other so my net income is 950 k ,if i sell the house and put in t .b will be getting like 3 m yearly...I rather buy a land and speculate on it....house for rent investment is only good when rates fall to 5-7 percent over 5 years per...that why the modern wealthy people don't do house rent thing unless in specific high brow commercial areas or mall or shops ...i bought tb of 20m last week only spoke few line inside bank next day alert with profit of 2.5 m.no agent no lawyer just 7 minutes in the bank..

bolded..

i showed my mom tbills in february..
next day alert entered.

when i told her: mom, you have learnt the new coolest business

she asked: which business?

lol..
i told her is LENDING BIZ

She still didn't agree its a biz

lakesguy:
stop hating... I use FBN and I have been enjoying there operations since last year.. Excellent customer care too

hmm.. Be careful O!

where did you see me "hate" anything?

when i was crying because of FBN, why did you not help then?

kunkelhanspeter:
Sometimes I wonder if we have leaders in the South East how come the fools we have as a leader can’t ask the FG to open one seaport in South East
Do we really need the scam project called second niger bridge?

disUnity and greed is obviously the problem.

by now you would think the elders would have a forum for discussing what SE needs and forwarding same to senate & FG. But non! (this is what i expected "N. KAnu"
to achieve first


that bridge is not needed!
its a port (no matter how small) that os needed.

OgogoroFreak:
With StanbicIBTC bank?

yes O!

Use that money to build ferrys and develop our inland waterways for water transportation!


then we will deconjest the existing roads which are much more expensive to maintain

JapD:
I'm new on this thread and find it interesting. Thanks for all the info shared. Based on what I've read, looks like it's common to have more than one MMF manager.

Stanbic looks like my option 2. Anyone has an idea of their USD MMF? Please advise process to subscribe, rates, and experience.

BTW, I find it strange that you send proof of subscription to account officers or customer service team. I use Investment One and I've never had to notify them of subscription. I simply include my I.D in my transfers and I get email notifications of all details, reflecting in my account at the same time, usually same day or next.

lol... Stanbic is over cool.
I have not spoken or contacted my account officer since April last year.

And THAT was because I just wanted to cut corners.

Simply visit a branch and register.

Afterwards, just login to the website and TOP UP with your ATM.
Shikinah!

If I want, I can comfortably top up right now.
By tomorrow morning I will see an additional subscription email.

I won't even login to check.. I know it's there.


All those you hear talking about bank deposit and transfers like wahala.

If I do transfer, that's when account officer is needed.

FBN... don't come and cry here later shaa

Mizwisdom:
I tried Guaranteed mutual fund in stanbic last year, I just forgot the money there, I was shocked to see a profit of N5.00 last week let me go and liquidate fast fast

do not liquidate...
Just change to MONEY MARKET FUND.

I enjoy at least 1% every month! (with peace of mind)

#others you have all heard.

Mizwisdom:
I tried Guaranteed mutual fund in stanbic last year, I just forgot the money there, I was shocked to see a profit of N5.00 last week let me go and liquidate fast fast

do not liquidate...
Just change to MONEY MARKET FUND.

I enjoy at least 1% every month! (with peace of mind)

ihedioramma:
and last two years TB was 18+% . Please work out #500,000 with the interest reinvest for four years at 12% for us ?

=N786,759.68

That is 57% total interest in just 4 years!

OgogoroFreak:
People should not buy a house to make profit. Buy cos of the comfort it gives. Just like buying a car. We mostly don't buy car to make profit but for comfort.

EXACTLY!
Remember what real estate bubbles... Hai...!

Govt and banks should be the ones in commercial real estate mainly, not profit seeking individuals.

I believe my children will prefer 100 million cash than some block of houses they have to find buyers or wait for rent before they can get the cash to develop their ideas in the future.
Tbills can also be used to collect loans too.

ahiboilandgas:
the 8.4 m can be reinvested at 12 to earn around 1 m making total earnings to be 9.4 m but for house after collecting the 5 m rent the value of the property can f4og jump at time may be in 5 years time he might sale for 100 m after collecting 25 m rent

OK now...

After flogging the house for N100000000 + N25000000 (rent) = 125000000 fa?

See this:
If he just did a simple reinvest with interest in Tbills for 5 years, he will get N123,363,917.82

DIFFERENCE?
} he would not spend time looking for buyer,
} he will not be HOPING and PRAYING for increase in value.
) NO tenant stress!
) NO maintenance costs!
} He will not pay N5000000 agent COMMISSION (5%) (which actually brings his earning to N120m... Lol)


Now, like you said, he will still be chopping N1 million yearly from Tbills (second interest - which can actually be reinvested TOO)



Therefore, Tbills will pay N128,300,000+
While house MAY pay N120,000,000

I am in love with Tbills O! Lolz...

lancee:
Just thot abt this real estate yester..A good friend of mine called me yester told me he bought a house last yr at opebi for 70M..I asked him how much he rented it out , he said 5M per annum
I know he doesn't know abt T bills..Later i sat down to analyze shld in case one sees such opportunity around that location to buy a house for rental purpose

With my lil thinking and analysis i think Tbill still much better for NOW
At 12% averagely that. 70M should have given him 8.4m for 1yrs Tbills...For 2yrs Tbills that will be 16.8M Approx. compared to 10M he will get for 2 yrs rental

That was my own analysis...I may be wrong cos i do not know it


But my question is ..Will anyone still be able to get that kind of property at that price or less after few year of Tbills investment

actually, he will have N87808000 = 17,808,000 profit
Thanks to compound interest.

Remember, at that 2nd year, HE HAS NOT STARTED MAKING PROFIT ON THE HOUSE. Plus, the house is depreciating naturally.

Now to your question :
The answer is YES.


Properties gain and LOSE value.
So you can still see another "landlord in need of cash to sell to you.

Real estate is A thing of PRIDE, not real financial achievement.
Why do you think banks are not in real estate but are in Tbills?

Those who do not know about Tbills will regret some day because someone like me will buy their "cherished" house with profits from Tbills and still have my capital.

BTW, why should I own a house and suffer maintenance, when Tbills can pay my rent and I can move on to the next new building whenever I want? Lol

stevebent:
Hi all. I'm a surveyor.
If anyone is looking to invest in landed properties especially in Lagos, pls do talk to me. I have genuine properties in areas that'd yield a very good ROI.

If sponsoring survey for family lands at Ibeju-lekki part of Lagos also sound good to you, I'm the guy to
talk to.

08068076477.
Surv Steve.

Buying land is not AS Profitable as you all paint it.

It takes at least 10 years to turn profit in real estate. (especially when you build and rent)

Treasury bills, can beat that through: rates fluctuations and compounding effect.

There is nothing like "high yield and good ROI" per say in real estate..

In the time you are waiting for the land to appreciate, a treasury bills investor is compounding guaranteed interests yearly and can reach 100% profit in 8 years.

While you, real estate speculator (investor), are still racing to recover your invested capital...not close to Profit!

trapQ:
It is only an illiterate village girl that'll let you take away her child in this 21st century so go for it.

if she refuses to leave the baby,
You leave the baby for her!

NEXT!!!

100 Million women to go!

GreatestA1:
How much can you possibly save from 30k monthly stipend in a year that would be enough to set up a viable business?

if you have to ask, then you are already an ASS:HOLE candidate...

namiji2598:
NYSC members leave their zone and states to another states and zones while NPower workers might be leaving in. their comfort zones

keep justifying nonsense.


Even if they give you/them 50k.. It will be insufficient with una mindset.


A word is enough for the wise

BabaIbo:
To which country?

you are on Nairaland.. Got to travel section

Furiosa:
Shuu! Don't take it personal.

nothing personal about that...

It's for you and all the other women thinking like you

Furiosa:
Lol. He wants his divorce.
Well, people fall in love and fall out of love.

see them!

Your husband will "fall out of love". AMEN!