₦airaland Forum

Seun: I am preparing my speech. Apologies for the delay; I'm not very good at writing speeches but I know it is necessary.

will your Speech bring back my I.D?

salvation mopol is back!

.

Financial markets are increasingly getting complex
and volatile; so, choosing the right types of
investments is important for long-term financial
security, ADEMOLA ALAWIYE writes
When you are investing in the stock market or
other financial ventures, there is always the risk
that you will lose money. Sometimes this is
because a stock or an investment fails to live up to
its potential. At other times, this is because you
may simply have chosen to invest in the wrong
thing at the wrong time. It is possible to avoid
investment mistakes, but it is also important to
learn from them.
When it comes to making investment decisions,
not many people are capable of calling the shots.
Yet, many people do this, ignoring professional
advice and studies that caution against this. The
consequence can be severe – in some cases,
leading to the loss of investment. In essence, the
investor becomes his or her own enemy.
As an investor, rather than pointing to the economic
situation in the country, studies have shown and
experts say that you will be better off by avoiding
as many mistakes as possible. Some of them are
highlighted below.
Being in a hurry to make returns
Many investors expect quick returns on their
investments, regardless of the nature of the
investment. Such people often get tempted to react
when another investor informs them of how great a
return they made on their investment. But not all
investments can make quick returns. According to
experts, it is safer for investors to take a long-
term view rather than a short-term view, which
many prefer.
“Many Nigerians will insist that they want a stock
in which they can get up to 100 per cent returns in
one month,” the Chief Executive Officer, Caract
Investment Company, Mr. Dayo Awe, says.
According to him, when a broker tells them it is not
possible, they will say the broker is not good and
go to some high-risk companies where they will
lose everything.
Trying to time the market
According to experts, timing the market is
something that most investors have difficulty in
doing on a regular basis. To them, it is therefore
very risk for investors to try to do it on their own.
Failing to boost your portfolio
Financial analysts have continuously advised
investors to diversify their investment portfolio.
This, according to them, will help to minimise their
risks, and ensure depth in investments.
Yet, studies show that many investors don’t bother
to do this. They would rather put their money on
what they consider a sure bet. One big hit and they
are okay. But things don’t always pan out that way,
actually it rarely does.
Getting on the bandwagon
For many investors, it is okay to invest only when
everybody else is doing so. They believe that to be
a sign that they are doing the right thing. But
Sommer, in his article entitled, ‘Joining the
Bandwagon? Don’t Lose Your Balance,’ warned
that this could be a huge mistake.
For those who are easily moved to get on the
bandwagon, he advised, “I’d say, if you can
reliably predict where the market is going, then
jump in feet first – just buy, buy, buy. But if you
don’t know what the future will be, caution is the
wiser course.”
Sticking with ‘a good investment’
Another common mistake investors make is that
when they make an investment that turns out
great, they hold on to it. To them, it is tested and
trusted; a sure bet. They no longer heed warning
signs and are likely to be caught napping when the
investment goes bad. The fact is that what is a
good investment today is not guaranteed to remain
that way tomorrow.
Ignoring professionals
This, according to Awe, is the biggest mistake
shareholders and investors make.
He explains, “Nigerians don’t like to pay for
services; they like to pay for physical goods that
they can see. So, when you say ‘go to your
professional adviser for help as a shareholder,’
they say, ‘Oh, these people are just trying to make
money for themselves; by the way, I know what
they are talking about.’”
Bear in mind that as an investor, you need the
advice of brokers, lawyers, accountants, etc. If you
are into the real estate, you need experts in that
sector. Depending on your own analysis, which
may be limited, is risky.
Failing to admit mistakes
Your broker gives you a piece of advice, you reject
it. However, when you make a loss, you blame it
on him or her. Even if you are reminded of the fact
that you were advised appropriately, you say
things like, “You are my adviser you should have
insisted that I listen to you.”
By doing that, you are unlikely to learn from your
mistakes. According to experts, many people fail to
accept blame for their mistakes with some of them
even insisting that they are right. Such people, who
do not like to admit that they made a wrong
decision, are likely to stick to a bad investment
instead of mitigating further loss. They believe
things will work out eventually, even when the
indicators show they would not.
Making investments you don’t understand
Investing in something you do not understand is
like starting a business you have no knowledge
about. And just as you are likely to fail in the
business, so also it is with the investment. Experts
say investors must do some research and ensure
that their investment decision is the right one
before forging ahead.
Neglecting their investments
Many investors do not track their investments;
they have no clue what is happening to them. And
they seem not to care. When financial statements
and other information from the company in which
they have invested in gets to them, they only go
through if they are certain that it contains
information about profit that they have made.
Many shareholders are guilty of this, according to
Awe.
He says, “In my view, shareholders in that
category need to be more involved in the affairs of
a company; there is no need waiting for a mistake
to be done before you exercise your right. You
need to monitor what the management of the
company is doing, especially if you are really
depending on your investment.”


http://www.punchng.com/business/am-business/mistakes-investors-should-avoid/
source:

naijacutee: This is nothing to write home about. There are no trained lifeguards on the beach responding to the fact that alcohol is sold on the beach, and there is a high incidence of drowning - especially at peak seasons. I was traumatised a couple of years ago when I witnessed a young girl (pushed playfully by her friends into the water) drowning. Some kind young men jumped in, got her out, but there was not a single trained lifeguard on the beach to help her! I happened to be the only person there who know CPR, and I started trying to resuscitate the girl, while bystanders just watched. It was a terrible helpless moment, because no one seemed to know what to do. I had to start asking people to use Google to find the nearest hospital or taxi, and call them to get this girl to hospital. I think she died in the end. The beach had nothing in place to save her, and the helpfulness of those around wasn't enough.

what a pity.
ur narration is synonymous to the culture of our Government

The woman will also pay N110,000 for the phone.
An Ikeja Magistrates’ Court in Lagos State on Friday
sentenced a businesswoman, Philomina Eregbulem,
28, to two months imprisonment with hard labour for
damaging a house caretaker’s cell phone.
Delivering judgment, the Magistrate, Abimbola
Oshodi-Makanju, said: “you are hereby sentenced
to two months imprisonment with hard labour for
maliciously damaging a cell phone.
The magistrate said the convict should also to
restitute N110,000, which is the value of the phone
she damaged.
“From the facts before the court, prosecutor has
proved beyond reasonable doubt that you
committed the offence that you are charged with.
This court hereby finds you guilty of the charge of
malicious damage and sentences you to two
months imprisonment.
“This will serve as deterrent to others,” the
magistrate said.
Ms. Eregbulem was arraigned on November 8, 2012,
on one-count charge of malicious damage.
She pleaded not guilty to the charge and was
granted bail for N100,000 with two sureties in like
sum.
The prosecutor, Samson Ekikere, had told the court
that the convict committed the offence on
November 5, 2012 at No. 6, Ikosi Road, Oregun,
Ikeja.
Mr. Ekikere said that Ms. Eregbulem willfully and
maliciously damaged a Samsung Galaxy cell phone
valued N110,000, property of Abdulazeez Huseni.
He said, “Eregbulem, who is a tenant in the house
that Huseni oversees, was served with a quit notice
due to her unwillingness to pay the increased house
rent.
“She refused to collect the quit notice.
Subsequently, Huseni was instructed to paste the
notice on her door, take the picture as evidence of
proof of service.
“In the process of taking the picture, Eregbulem
collected Huseni’s phone, flung it on the floor,
claiming that he took her pictures and invading her
privacy.’’
The prosecutor said the offence contravened
Section 348 of the Criminal Law of Lagos State,
2011.


http://premiumtimesng.com/news/153087-woman-jailed-two-months-damaging-cell-phone.html

Games were postponed in 2013 due to ASUU strike
The 24th Nigeria University Games Association,
NUGA, earlier scheduled to hold in 2013 will now
hold from February 12 to 22 at the Obafemi
Awolowo University, OAU, Ile-Ife, Osun.
A NUGA council member, Cecilia Arinye, disclosed
this on Friday via telephone.
Ms. Arinye said that the Games, earlier scheduled
for October 12 to 22, 2013, were postponed
indefinitely due to the six-month strike by the
Academic Staff Union of Universities, ASUU.
She said that the new date was to give hope to the
student athletes and to reawaken the Games.
“It is good news that the impasse has ended. The
athletes who had undergone preliminaries since
June and July, will now be able to exhibit their skills
at the competition. Some of them hope to use the
event as a launching pad to the forthcoming
Commonwealth Games, so, staging the event in
February before the Commonwealth Games will be
an advantage,” she said.
She noted that, in the past, many student athletes
had used the competition to get to the bigger stage
in various sports, and that chances were still
available for the upcoming ones.
Ms. Arinye, who is also the NUGA Zone F Co-
ordinator, comprising the universities in Lagos,
Ogun and Oyo States, said that necessary logistics
had been put in place to welcome contingents to the
Games.
According to her, the host university was ready for
the Games, having put in place structures and
sporting facilities for the event.
She called on athletes to be law abiding and to make
the best of the opportunities provided by the
platform to launch themselves into world reckoning.
The last edition of the competition was held at the
University of Benin in 2010.

source: http://premiumtimesng.com/sports/153102-university-games-hold-oau-february.html

rkarang: Imagine, how many times will FUNAAB extend the deadline for the payment of her acceptance fee?

God is solidly behind yours.
don't be too hasty picking a New Jamb Form

Fun seekers are taxed N200 off season and N500
on public holidays
The Facility Manager, Suntan Beach, Badagry,
Francis Sewonu, said on Friday that the beach
generated N11 million as revenue in 2013.
Mr. Sewonu said in Lagos that the N11 million
generated in 2013 was an improvement on the N8
million generated in 2012. He said that despite the
N200 gate fee collected from visitors, the beach
still enjoyed good patronage.
“Though the fee is not permanent, we do charge
N500 during public holidays and festive periods
because of increase in patronage during these
periods,” Mr. Sewonu said.
According to him, over 100 fun seekers patronised
the beach daily from Monday to Friday, while about
200 picnickers visited during weekends and other
festive periods.
“This record shows that Nigerians enjoy fun and
they know the importance of relaxing their nerves
after much stress. The management will continue to
upgrade and maintain standards at the beach, to
make it more befitting for relaxation and
enjoyment,” Mr. Sewonu said.
He said that part of the money generated from the
beach was usually remitted to the Lagos State
government and the remaining would be used to
maintain the beach.
Mr. Sewonu was optimistic that the money realised
would boost the state government’s internally
generated revenue. He said that to comply with
government’s requirements, security of beach users
had been given priority through the use of lifeguards
and the Police around the environment.
Mr. Sewonu said that the surroundings were usually
kept clean by cleaners, while more mobile toilets
had been provided in strategic places at the beach.
“The environment is always kept clean; this is to
comply with government regulations and to ensure
that our customers receive good services, while
relaxing at the beach,” he said.
Mr. Sewonu said that the idea was to boost the
tourism image of the state and to make it a
preferred tourism destination in the country.


Source: http://premiumtimesng.com/arts-entertainment/153095-badagry-beach-generates-n11-million-2013-says-manager.html

brainiacjp: I was at FUNAAB yesterday, nothing like"corporate dressing" during d screening coz things were rough as registering students queued....I went further to inquire frm a reliable source, precisely, ma dad fwend who was a professor of mathematics in COLNAS, he said "son, go and relax, as I assure u of a list to be released shortly, the management are deliberating over it" He said. There are more words he altered buh I can't disclose it here....my friends, pls relax a bit longer, God is at work. I Av never for once doubted him.,...add me up on whatsapp @ 08166364752.....m always scared speaking wif strangers...#don't mind me#...no call pls.....or 2go via brainiacjp...let's rub mind n be more hopeful.......[color=#006600][/color]

I heard say the supplementary list Na this weekend

buJu-234:
Matured ladies to me are the best in any relationships.. Let's demands and more understndings...

I hate wasting my time; energy; and resources with taata childish younger ladies

seconded

the funny thing about my life is that all my relationship is usually with older ladies.
perhaps in the future I might get married to such

Tyche: Next best thing since slice bread.

is this parable,idiom or proverb?

oselenkejoor: Mine was 3 years older. She never knew sha. The relationship went on fine but later hit an iceberg few months later due to my own urges.

what kind of urges were u referring to?
also is it appropriate to tell lie about ones actual age to his/her partner?

dumebirose: I am a DE aspirant in FUNAAB, I wanna know if another list will be out because am tired of being expectant.

there are indication to that effect.

Ola def2: Hmmm guys gone wild, comment reserved!

I disagree

Buddah Monk: Mine was 6years gap...she wasnt rich but she was not asking me for thousands and millions just recharge card money...she even helped me complete my house rent in 2009 during my IT.
She had a BF but she just loved me for being too close.
Infact she is one of the most wonderful people i have ever met...we are still the best of friends now but s3x is outta of it.

#very caring damsel she was

U were the Attention she seek when her man was Far
that was ur advantage!

Buddah Monk: Mine was 6years gap...she wasnt rich but she was not asking me for thousands and millions just recharge card money...she even helped me complete my house rent in 2009 during my IT.
She had a BF but she just loved me for being too close.
Infact she is one of the most wonderful people i have ever met...we are still the best of friends now but s3x is outta of it.

#very caring damsel she was

U were the Attention she seek when her man wasnt around.
that was ur advantage!

if u are a lady who has being in that kind of relationship whereby u r much older than ur guy,kindly share ur experience, probably the advantages and disadvantages of such relationship when compared to a "Regular relationship".

Also,does a person's age synonymous to being responsible in a relationship?

bknight: Its an experience I'd like to have

why would u wish for that?
although the chemistry of love is no respecter of person and Age,it just happen!

sakaguchi: Mine is a year difference and I've never had issues with it. She sometimes reminds me of it (though jocularly)

bro,I am referring to a relationship where the female is Older than the Male at least 4years.
mine was 8 yrs.

Vessi: I felt just the same way I would feel if I was dating my age mate.

often there are times when ur partner occasionally reminds u of the age difference & coping with ur friends view & critics ain't easy.
have u ever being in DAT shoe b4?

mine was like that of Peter of p-square,age difference is as wide as the pitch.nevertheless, it was a factor but due to less competiveness,I was an overcomer.
I don't know there are the like of me out there who were successful in that kind of relationship but it was challenging because it was obvious to the public anytime we do outing.
if u had wore the same shoe with me,how was ur experience like?

solbash11: I guess dat must be Ecobank, dat yeye bank eh...

nope but it is GTB Master card

Tonjeola1: How do we know the ATM Machine you referred to?
tell us the bank which issued you fake ATM Card, so that we won't open account with them.
my GTb and Access card never develop any fault exept when it expired. thank you.

It is not the bank who issues the card to me but some banks faulty automated teller machine,if my guess is right,then I am suspecting diamond ATM machine.

In the same year,I had applied for ATM card twice and am about applying for the third this new year.
My card isn't lost but not "Smart" hence not useful even when I complained to my bank's(name withheld) customers service unit telling me to use cotton wool and spirit to sharpen the card's silver panel.
Repeatedly I wonder why an ATM card will be useless barely 3months of collection.
Although, I admit using my Card in several ATM points(both new & old machine).
each time I applied, a whopping sum of #1,050 is deducted from my a/c.
Seriously, I hope the Central Bank can do something to curtail ATM Card destroying Machines.
Most of this machines are outdated, mutilates the card's silver panel easily,yet the banks still uses such Automated Teller machines.
I really hope this information is helpful to people out there because is not every Nigerians that could afford the luxury of applying for ATM Cards repeatedly in the same year.

brainiacjp: Lolz...@salvation mopol...yabatech na ma sku nah...

I meant Hnd

brainiacjp: I miss doze days when we went to schl,
lined up & d headmistress & teachers inspected our nails & uniforms & den matched to our classrooms.
U remember na??
D days of Nasco biscuit, Okin biscuit, Trebor, Ice-coloured water tied in nylon; we called it "lolly"•
D days of goody-goody & pako biscuit. D days of Ali & Simbi, Mr Salami & Mrs Salami, Agbo lives in Calabar....•
Chei, I remember those days when one naira na money, when groundnut na 50kobo & choco milo was 5 kobo•
D days of messing game, who is in d garden, police and thief•
D days of mama & papa play, dose when we used to build houses with sand, play suwe game, tinco-tinco, salubata, change ƔŮя style, ten ten, skipping, stop!
U remember nau!•
Those days wen we used to fly kite on d streets, wen boys wld use paint bucket cover as tire & their dad's hanger as d steering. Those days when rubber band was stock exchange, days when votron, jimbo, power rangers, spider man were our favourite cartoons•
D days of limca soft drink & choco milo advert on black and white tv Nd̶̲̥̅̊ sunday rendevous by1:30pm•
When we said 'leke leke give me white finger'•
Those days when eleganza pen was d best•
D days wen we used to drink water from d tap & even suck out d water if it wasn't gushing out as we wanted•
D days when NTA would show rainbow colours for 30 mins & then play d national anthem before they resume program @4am•
D days wen basket sandals, simbi nd bata sandals were d best•
Days wen we all sang sandalili sandalili songs,

DSTV has come, no more old fun. I'm really proud to have experienced all this.
If u r nt smiling, it means u were not born in my generation. Nwich means u ar d INDOMIE generation lol...

put off ur worries my padi....we no fit fight nah....i love u all and Jesus loves u most....
...let's crack jokes and put away awa worries....BEST JOKER WILL BE AWARDED VIRTUAL NOKIA LUMIA 520...

#chilling finz noni#


coundown continues

u brought back memories.
have u been offered admission at yabatech?

phemmy johnson: Dats the spirit!

faith without work is useless, mine is not.
I'm working towards it.
my prayer is that we shall all meet a helper or middleman who will be a Tool to perfect God's will of Admission in our lives.

don't expect God to descend himself...

its well.

weeks ago in a subconscious state(dream) I saw my funaab admission status,hence it must surely come to pass.
Dreams are Carriers of God's will for our lives, some na devil but differentiating one from another isn't hard because God's will is always Good & add no sorrows.

..Stay Tune.

my testimony is on d way with or without internal connection

@Yusuf...pls answer this simple question

even as at Now,if u're related to d V.C or Registrar,will d admission b closed?

indeed d 2013/2014 Admission may have closed externally but not internally.
don't b surprise if Funaab releases 3rd/supplementary/V.C list Soon.

its like everyone who use to be in this thread has ran,remaining few...
who refuses to back down/ give up