₦airaland Forum

Dogs are very intuitive, so maybe they can see the real you..which is not so pleasant to them.

Amaze or amuse? decide

both of them

We write to remind you of the commencement of Central Bank of Nigeria's (CBN) cashless policy nationwide on the 1st of July, 2014, as well as inform you of the deferral of charges in the newly introduced thirty states till 1st July, 2015.

The cashless policy which is currently fully operational in Lagos, Federal Capital Territory (Abuja), Abia, Anambra, Kano, Ogun and Rivers States, aims at reducing the amount of physical cash circulating in the economy and encouraging more electronic-based transactions (payments for goods, services, transfers, etc.). The policy will drive the development and modernization of our payment system nationwide as all individuals and corporates will be encouraged to adopt electronic payment and banking options.

message from GTBank

scratch my crotch....check time then sleep some more.....

Good news

Mogenerous: do you mean, righteous righteous or righteous having premarital sex? Thot the meaning of righteous is to absolve from sin. Toh

I mean ^{righteous righteous} as in right standing with God. That response was to the dude that quoted me asking me if I was kidding.




So what's ur take on the topic?

command01: You've been brainwashed

Hian...wetin happen naw? Didn't you see my cavaet at the beginning of the comment?




















^{Abeg, No be me collect your hymen o. Face bush}

since you dey fear already....make i help you elevate am.


The breaking of the hymen represents a blood covenant between you and the lady. If you break up with her and she decides to curse you.....



well, lets just say it will be very potent.

You can shorten the path to early retirement if you start with the right strategies.

The Simple Formula That Can Help You Achieve Financial Independence
Ever since I retired at age 50, I’m often asked how I managed to reach financial security. Looking back, I see that the key factors fall into four categories—family support, career choice, money management, and personal habits and attitudes. Here’s how you can use these building blocks to reach your goals.

Start from a Strong Foundation
Some of us were fortunate to start out in families that instilled integrity, prudence, and hard work. If that’s your experience, you can be grateful. But, if not, then it’s still within your power to cultivate those qualities now. Not only will that create the conditions for your own financial success, but it will benefit everyone around you as well.

How Many People Watched Orange Is the New Black? No One Knows
Throughout you will need patience. Typically the personal and financial decisions that will pay off in the long run require sacrificing a little today. Patience helps you live with the reality that true rewards usually require some short-term discomfort.

Choose a Career Wisely
Your choice of career is one of the most important decisions you’ll ever make. You need to love your work if you want to be great and prosper from it. So pay attention not only to your gifts, but to what makes you enthusiastic about getting up in the morning. Then, find a career path that plays to those strengths.

If you’re just starting out, and it suits you, a high-paying career in a technical or professional field will clearly advance your cause. Competence in math or technology can be a first-class ticket to building wealth. But, if that’s not possible, at least be aware of the financial implications of your college education and early career choices. A graduate in an esoteric major with five digits of student debt starts out life doubly handicapped. You can pursue your passions, integrate them with a professional track, and stay out of significant debt—but only if you make informed choices.

If you’re already in a career, look for mentors and other professional relationships that complement your skills and personality. Having been on both sides of the equation now, I can tell you that older, more experienced people generally enjoy counseling a talented and enthusiastic newcomer. It’s a relationship that pays dividends on both sides. So be open to wisdom when it’s offered. You don’t have to take every piece of advice, but it can be your starting point.

Learn to Manage Money
You might start out with a great family foundation. You might have a high-paying career that you love. But unless you live on less than you make, it won’t put you any closer to financial freedom. In fact, if you develop expensive tastes in houses and cars, and need to look as affluent as your neighbor, you could wind up worse off financially—no matter how much you make. You can start heading in the right direction by simply tracking your expenses, as well as learning about saving and budgeting. Identify the few areas where money spent truly pays off in better quality of life for your core interests. Spend there, and cut back everywhere else.

Next, find a mentor to help you become a confident investor. You need to master any fear of stocks, so you can profit from them in the long run. Offset the risk of stocks by allocating into other asset classes as well. Start small and carefully, but do start. Learn and abide by a few bedrock investing principles: diversification, patience, simplicity, low expenses. Track your net worth and your overall portfolio return each year, so you know what direction you’re going, and why.


Once your career and finances are on track, you can explore more entrepreneurial paths for wealth building—perhaps by owning a small business or real estate. These can leverage your time and money, getting you to financial independence years earlier. They can be fun and rewarding too!

Keep Your Perspective
Even with all these potent ingredients for success, be sure to take life one day at a time. Again, cultivate patience. You’ll need it for the long stretches.

Remember the goal—financial independence —but don’t obsess on it. Don’t sacrifice the present for the future; it won’t turn out as planned anyway. Make time for your loved ones and meaningful activities, even if you must work longer in the end. As great as it is to achieve financial freedom and retire early, you don’t want to arrive there having missed out on life along the way.


Source: http://time.com/money/2791789/four-secrets-financial-independence/

You want to find out what data the company uses as a benchmark, what the range is for your position, and how you can move up in that range, says Lydia Frank of PayScale.com.

Recently, the idea of salary transparency has been bubbling to the forefront—from President Obama signing an executive order in April prohibiting federal contractors from retaliating against workers who discuss their pay to companies like Buffer posting their employees’ salaries publicly for all to see. The same arguments come up every time this topic makes headlines: One one side are those who argue that employers are the only ones benefitting from secrecy; on the other are those who fear that complete openness around compensation could lead to jealousy and infighting among employees.

Whether you think it’s a fantastic or horrible idea for everyone to know the size of everyone else’s paycheck, there’s one area where I think discussions around salary should absolutely be transparent: discussing your own pay with your own employer.

If every individual employee had a better understanding of how their employers made decisions about compensation, there would be far less discontent around the subject of salary—assuming, of course, that the employers have a good and fair compensation strategy. (To be clear, fair doesn’t necessarily mean equal pay for everyone working in a particular role. A number of factors can, and should, impact an individual’s compensation: years of experience, education/training, skills, and performance, among them.)

There are three things everyone should understand about their own pay and that I hope employers are willing to discuss:

1) How your employer sets pay
Most employers use compensation data of some kind to set salary ranges for the various roles within the organization. However, most employees don’t know where that data comes from. It’s a good question, and one that more people should probably be asking. Next time you’re discussing your pay (or chatting up your HR person at the water cooler), just ask. If they can’t give you an answer, that may be reason for concern. You want to know your employer is using valid data to set appropriate pay ranges and not pulling a number out of a hat.

2) Where you fall within the salary range for your specific position
Not knowing if you’re being paid fairly can breed discontent. According to a recent study “pay secrecy might also hurt your work performance and prompt top talent to look for new jobs.” If everyone understands the full salary range for the given role, it’s easier to have open, honest conversations about why you fall where you do within the range. Even if your employer isn’t willing to share the range they’re using, do your own homework and make sure you have a sense of the salary range for your position. You can even share your findings with your employer so that they can let you know if it’s similar to the range they’re using. If it’s different, it’s another opportunity to ask about what data they’re using so that everyone is working off the same numbers.

3) What you can do to move up in the range
If you’re at the 50th percentile or above within the range for your position, you’re doing pretty well comparatively. But, if you’re below the 50th percentile, it might be time to ask for a raise. If you’re already a top performer, pull together a list of recent accomplishments that show how you’ve contributed to the company, and ask to set a time to discuss your pay with your manager. If the feedback is that you aren’t quite working at the level they’d consider for a raise, ask your direct manager what goals you should be working toward to make it to that next level. Keep the conversation focused on your career path and your desire to contribute more to your organization. A good manager will be more than willing to talk about how you can get there.


source: http://time.com/money/2928576/employer-compensation-stratgies-employee-transparency/

you no well

give me one....problem solved

do i care?

Under serious fire

henryskywalker2003: And FYI, sammobile doesn't magically pull out those firmwares out of their asses, you know? They usually get them when they start being seeded per country and pull them from the servers and upload for ppl to download and flash.

This picture addresses your concern.

henryskywalker2003: Dude, I said 4.2.2 not 4.3 was what I saw on my sister's phone and I have even downloaded 4.3 for Nigeria last week from the same site you just quoted now. Seems you don't know much about how updates work do you?

I believe you know the difference between update and upgradable? Your sister's phone came with the 4.2.2( it's upgradable to a higher version). My phone has a 4.1.2 OS, it was even upgraded to that version. 4.3 became available in Nigeria on 25th Dec 2013 or thereabout. Check the date you posted what I quoted and revert.






For those who care to know. The Note is currently at Samsung repair centre in VI and it has full warranty. Solution should be panel replacement.

Tell me how you can fulfil the five C's of credit

buttercream: Lmao @ the bolded.
Its funny right? Beats me too...because I sincerely don't see any reason for getting mad.
Thanks for taking your time to read and comment
No, I'm done with schooling, at least for now, why?

Trying to see how convenient 'the calling creed' will be when you start working.


Yes, love is sweet. You may mean the world to each other, but don't get trapped in the euphoria of my world evolves around my spouse.

He's pissed 'coz of that? Not calling for hours? A little strange.

The long talks...endure/tolerate it and when you can't anymore...tell him to STFU.

Should you apologize? If you still want the relationship, by all means do. If not, let it slide. But you guys need to talk.

The relationship may be over from his standpoint, btw


Someone needs to play the fool in a relationship...is that person you?



PS: are you a student or ....

And if you don't?

I will give you on one condition.

Lepa are more pleasing to the eyes. They are often althletic in bed...can twist and bend. But orobo quickly burn out.

I like a little of both though. A thick girl...not too slim...not too fat.


Regards

damn


if only our policewomen can be this fine and sexy....crime rate will drop to almost zero.


Why will i want to resist arrest when a diva is the one arresting me.

wait

how do i know?


Steel -- this material basically IS iron, but with some other stuff mixed in to make it stronger, more rust-resistant, etc.



IRON is the basic element of steel. Many kinds of steel exist and the names may change as the molecular composition is altered. Adding chromium to iron will yield stainless steel. The study of these metallic compounds is called Metalurgy.
Source(s):
Licensed CA smog inspector.


Depends on your measure of strength (tensile, compressive etc) and the types of iron or steel you are comparing, but generally steel is stronger.
Did you mean pig iron, wrought iron or cast iron, did you mean mild steel, tool steel, Jethete or bearing steel

The only really difference between the two is that steel has a controlled quantity of carbon (and other alloying elements) in it, so that its properties are predictable.




In very general terms, steel is "stronger" than Iron.

"Strength" has several meanings when considering metals. For example, there is the amount of force needed to bend a metal sample of a particular thickness. Another measure of strength involves the amount of force needed to pull a metal sample apart.

Iron is mostly composed of an element by the same name. An element is a substance whose atoms are all identical. "Pig iron" and "wrought iron" are two kinds of iron alloys which are mostly pure iron. They are relatively soft and easy to bend, hence pig iron is "wrought" and used architecturally. The best example is in New Orleans whose ornate balconies have wrought iron railings. The disadvantage of wrought iron is that it rusts very easily and has to be coated with paint or galvanized with a Zinc coating.

Steel is an Iron alloy low in carbon and with other metals added like Nickel, Chromium, vanadium and even Phosphorus. All these extra elements give the steel particular characteristics suited to its intended use. "Stainless" steel has Chromium added which inhibits rust. Nickel can make steel more ductile and able to be rolled and pressed.

However, there is a trade off between strength and ductility. As the hardness of steel increases, so does its brittleness. European sword makers learned this by trial and error. The hardest steel had an extremely sharp edge but was likely to shatter if it hit a hard object such as rock. Meanwhile the Japaneese learned how to make swords using two types of steel. The core was soft, high carbon steel. The forger then wrapped the steel ingot with a shell of hard, low carbon steel. This went on to the sword-smith, who then slowly fashioned a steel blade, and finally to the polisher who honed the blade to be razor sharp. These were the swords of the Samarui and could cut very efficiently because of their sharp blades, but resist shattering because the core was soft enough to absorb impacts without shattering.



source sauce: http://answers.yahoo.com/question/index?qid=20090115105343AAWI8P3

adeyemik: The online shops or merchants in Nigeria still have a very long way to go, the most unfortunate reality is that they don't know the way. Copy copy no go kill us for the country. It is either there are cheating their online buyers by not delivering the goods or making refunds for paid but not delivered good(s) or not collecting money for good(s) or item delivered.

I did a smartphone purchase on KONGA, with a pay on delivery option. The phone was delivered to my house via DHL, the DHL delivery man did not ask for money, I signed off on the package and he went away. I called the online shop immediately, tell them that I have taken delivery of my order but surprisingly the delivery man did not ask me for money; the lady I asked for the order number and she confirmed that the order was a valid transaction. I gave her my email address and told her to give me the their account number and a payment reference code to the address. I requested for the payment reference code, so that there can be a trail of the payment to my order reference number in order to avoid future 'I don pay, you neva pay' troubles. She said no wahala, that I should be expecting the mail for her ASAP, and thanking me for the informing them of the none payment.

After some couple of hours, I got an email from the lady, to my amazement the email contained only their bank account numbers with various banks, no payment reference code requested for, no mentioning of my order reference number neither was there any reference made to our discussion. Its being four months and over, Konga is yet to contact me asking for payment. The money for the order is waiting for them to collect, I'll wait patiently for them to ask .

If they fail to on the dot of six month, I will don't the money to charity to free my conscience.

But can one judge Online biz in Nigeria by a single act, nay...pockets of flops.

Most things in Nigeria are far from perfection; power, education, leaders, the people etc, Online business is not an exception.

I know they flopped on that....Their delivery system, accounting system and inventory management is obviously messed up. But we can't just assume.

I still have dispense errors when trying to make ATM withdrawals and some transactions are unresolved but i won't say banks are into shady biz.





Brodaly, the day a good audit will look at their books, you may receive a call from them.... It may even be 10 years from now....

zoeee: Even if u deceive urslf, dont try to deceive others. Grace alone won't take u to heaven. Are u trying to say its alright 4 one to steal, be envious, fornicate,... and do all others dat ar termed evil/ bad and one will still go 2 heaven by grace? Please! Go back to the WORD

Even if u deceive urslf, dont try to deceive others. Grace alone won't take u to heaven. Are u trying to say its alright 4 one to steal, be envious, fornicate,... and do all others dat ar termed evil/ bad and one will still go 2 heaven by grace? Please! Go back to the WORD

My sister, you know the answer to this your inquiry. Read Romans 6 vs 1.

Don't examine issues out of context.... Can you show me any fornicator, thief or someone indulging in evil deeds in the list the OP provided.

Madiba, Pastor Enoch? anyone?

The point is that the OP said "I think being a good person is enough reason to make heaven" and i disagreed saying,

As a christian what will take you to heaven is GRACE and not self righteous or good deeds....

If a CHRISTIAN still indulges in those things you mentioned, will you call the person a christian?






NB: I didn't say "what will take me or anyone to Heaven is Grace. I said what will take a christian to Heaven is not good deeds or self righteousness. It is True Christian+God's Grace.