Falil:
urgent buyer for two plots of land measuring 648msq. at treasure parks and gardens (golf & estate)phase 1 ext.,shimawa,behind redemption camp,off lagos-ibadan express road.currently been sold at 4,000,000 per plot by adron homes properties and estimated to sell for 6,000,000 before year end.each plot is going for a discounted rate of 2.5M per plot for any interested person.title doc available are,a duly executed purchase receipt,deed of contract,deed of lease/deed of assignment,survey plan,letter of plot allocation,land covered with global certificate of occupancy.price negotiable!
HURRY call/whatsapp 08034637732

NixandaCEO:
Shelter is a basic neccessity of life and most individuals. want to own their private homes, which has made omo-oniles and land speculators to trick them at the expense of their hard earned money.
Land is measured in Hectares,Acres,Metres and Feet in Nigeria. These measurements differs.
A standard plot can be described as a marked out piece of land used for building and framing. The size of a plot differs, we have 100 x50feet, 100 x 100ft and 120 x 60feet.
An Hectare is a metric unit which prospective buyers and even estate developers tends to get and its measurements is 100m x 100m(328ft x 328 ft)
An acre is a unit of measurement for land sellers which gives 4,046sqm or 43,560sqft.
There are many hidden secrets when purchasing a land, i will talk about them.
They are as listed below:

1.The Land Location
The land location has a long way to play in helping you to plan. It will also help the buyer to have a cost in mind and this will also determine the minimum size or lot needed for the building. The choice of location will determine what is important to the buyer depending on his status. A land buyer will want to get the best value for his money and also the best return on investment. You also have to consider the potential growth in investment in that area.
Developed lands are properties that have basic amenities like roads and buildings close to them while underdeveloped lands are properties that do not have these amenities. Note that the cost of developing an underdeveloped property is higher than the cost of the former. Your priorities and budget determines your land type.
Choose your land location wisely.

2.Make Proper Research
Land purchase in a hurry must be avoided. Land visits and investigation must be done before investing your hard earned money.
The following quesions will help you.
a. Who is the owner of the land?
b. Who is selling the land?
c. Whose name appears in the documents? Is the current or previous owner?
d. What are the current liabilities on the land?
To avoid losing your hard earned money get a professional and buy only when you are fully satisfied with the documentation and other things. Make sure you conduct a "search" on the land. "Search" is a process where you verify from the state government if the land in question is within government acquired land or not or whether there are any pending litigation or other issues on the property.

3. Make Payment and Get the Right Documents
Pay the amount of the land to the landowner and collect the
a. Puchase Receipt
b. The Contract of Sales
c. The building plan if available
d. Originals of other relevant documents in possesion of the previous owner.

4. Get your Certificate of Occupancy(c of o)
Land is cheaper in rural areas compared to urban areas and appreciates overtime. Whenever you buy land from the original landowners you can later apply for a c of o from the state government to make it official and later get a Governor's consent for it which is the best.

5. Get a Land within Your Budget
After carrying out all the necessary investigations propespective land buyers should have adequate money to pay cash for the land, because loans are not easy to get and may multiply the things in the process of land purchase.
Even if the land owner will take installmental payment the land will be more expensive and may consume time and energy, why not save reasonable amount and get your own land.

6. Costs of Building
When the type of land to be purchased has been known, and all necessary investigations done, next you have to consider the cost of developing it because the ability to determine the amount needed to develop the land will determine if you will invest in it or not.
It is advisable to buy a piece of land that you can develop rather than investing in one which you may find difficult to
build on.

Always consult a BUILDER in this case.
Happy land purchase.

lilreese:
if i invest. 2m in 91 days TB bill with 10% interest, am i getting 2m+10% after 91 days ? or is it per annum.

Stelvin101:


True talk bro. But the money looted aren't just all stack up in the west, the 4 geopolitical zone of this country are all involved especially the North and South. Saying it's just the West makes your comment tribal and unbiased

Sincere4u:

You made what I think is a very fine point and that is why I am quoting you to know what you think of my own idea.
That Tyres could act as part of shock absorbers when inflated to desirable pressures is something that had never occurred to me yet so true.
My take on this topic is that I feel it's better to follow the car manufacturer's exact recommended tyres and inflate slightly below that recommendation cos we are practically in a much warmer region than where those recommendations where made.
I have never come across a car on which the recommendation is as low as 30psi!!!. First time I heard or read about it I was surprised and the lady that mentioned it was complaining that her tyres looked quite under inflated and dragged on the road. I just asked her to check the recommended pressure for the tyre she bought and it was way higher than 30 so I advised she should go by the tyres own capacity and inflate below that. That ended her problems.
The recommended tyre pressure for my present car is 60psi but I use 45 and it works for me.
Pls what kind of cars usually have such very low recommended pressures. I would really like to know.

sospecial:
Background:

Many people do not know the procedure of transferring the assets of their late loved ones to themselves especially when it has to do with Shares.
Even for those that know about the procedure, it is always stressful and cumbersome to them that if they don't seek clarification, they may end up not transferring the asset or spend more money than what it is required.

Asset transmission is the transfer of assets from a legator to a legatee which could be in the lifetime of a legator or upon his demise. The process is usually handled by an Executor or Administrator to the Estate (in the case of death of the legator). The Administrator/Executors of Estate of the deceased will require the services of an organisation to assist in transferring the beqests to the beneficiaries.

A holistic approach in providing this service to Administrators/Executors of Estates involves facilitating the asset transfer to beneficiaries to the point of recovering all outstanding benefits.

The share transmission process involves:
-Endorsement of bank certificate to ascertain the inventory of the deceased
-Registration of Grant of Probate/Letters of Administration with the courts
-Procurement of Certificate of Additional Assets/Certificate of further security at the Probate Registry
-Endorsement of certificates/dividends in the names of the Administrators/Executors
-Effecting new mandates of the Administrators
-Collection of outstanding dividends on the estate account
-Dematerialization of physical share certificate into Estate CSCS account

For more details and enquiries, you can contact me on 08068783115.
Cheers

GANDALF1:
Very simple.

Several things can happen to the money in your savings account when you die and they are listed below:
1. It will be claimed by your beneficiary through probate if you die without a will or inte state,
2. It will be distributed to your beneficiar(y/ies) if you left a will behind and it is executed by your appointed administrator,
3. It will stay in your account for ever until the government asks for it (Banks renders a report of dormant account to CBN monthly).

Now, if you choose to be secretive about your financial affairs, I will advice you to keep an evidence of your bank accounts relationship amongst your educational/important credentials so that your relatives/ beneficiary will see them upon your demise.

But I always advise people to toe the line of having a will as soon as possible (preferably, once you get married). This will can be updated say once in 5 years until one is no more. Its cheaper and reduces the confusion thats sets in with case 1 above. In that case, you would have properly appointed a lawyer or notary to share/execute your properties accordingly you are no longer there. Also, the tax you pay to the government in this case is smaller than case 1 above.

if you chose to follow the path of no will as in case 1, then you leave the funds in your account to the mercy of the strongest/most knowledgeable person in your family and most times, these individuals are the most wicked. The procedure to follow in such cases are outlined below:
A. Go to a government registered hospital and obtain a valid death certificate in respect of the individual. The court will normally ask for the Nigerian population commission type of certificate.

B. Take the certificate to any court premises and ask for the probate office or registry.

C. Submit the certificate there and pay the necessary fees and apply for administration for the deceased estate/properties. The probate will then give you a letter of confirmation for the estate.

D. Take the letter to all the banks you suspect or is aware the deceased had an account including financial houses/stockbrokers. They will oblige you with the deceased financial standing with them as of that date. This process normally takes about a week or two as the finance houses will confirm the authenticity of your confirmation letter from the court.

E. Return the confirmations from the banks to the probate registry. They will add up the deceased financial balances as of the date of your enquiry and apply the necessary charges to the total of it. It is worthy to note that part of the charge will be a mandatory 10% of total balance to be given to the federal government. You will then be asked to go make in payment in bank.

F. After making the payment, take the teller back to the registry and the paper work will be concluded for you to be the administrator/official sharer of the person's estate of properties. You will be given an official letter of administration.

With this letter of administration, go back to all the banks and brokers. You will either be given a draft for the balances or asked to open an estate account with you as the signatory (the choice is yours)

Finally, if you are too secretive and didnt leave any record of your financial relationships, your money will be holed up in ur account, which will definitely go dormant after sometime and will add up to the statistics of existing dormant accounts disturbing CBN.

Gracias

Willie2015:


FBN consummated my bid for 182 days. Funny indeed.

Maxineng:
If I was that girl I would have insulted his life. HR peeps take advantage of youths.

You go for interview and they make you wait for like 5-6hours. Very wicked set of people.

yak:
plz, how do I get back my investment in fbn? they are so poor in customer relationship

Bnladan:
Bottle water lyk Swan and Eva can serve as distilled water coz dey are de-ionised. My Prof. suggested I used dem wen I was doing my Undergraduate project.

Leeeekeeee:
All this place nah rubbish without including the Suya spot at 23 road junction agboju Festac..

madapcmod:
Presidiot with F9 in mathematics. In bubu dullardic brain 97%+5%= 100%

Chai! We are in soup!

GANDALF1:
Very simple.

Several things can happen to the money in your savings account when you die and they are listed below:
1. It will be claimed by your beneficiary through probate if you die without a will or inte state,
2. It will be distributed to your beneficiar(y/ies) if you left a will behind and it is executed by your appointed administrator,
3. It will stay in your account for ever until the government asks for it (Banks renders a report of dormant account to CBN monthly).

Now, if you choose to be secretive about your financial affairs, I will advice you to keep an evidence of your bank accounts relationship amongst your educational/important credentials so that your relatives/ beneficiary will see them upon your demise.

But I always advise people to toe the line of having a will as soon as possible (preferably, once you get married). This will can be updated say once in 5 years until one is no more. Its cheaper and reduces the confusion thats sets in with case 1 above. In that case, you would have properly appointed a lawyer or notary to share/execute your properties accordingly you are no longer there. Also, the tax you pay to the government in this case is smaller than case 1 above.

if you chose to follow the path of no will as in case 1, then you leave the funds in your account to the mercy of the strongest/most knowledgeable person in your family and most times, these individuals are the most wicked. The procedure to follow in such cases are outlined below:
A. Go to a government registered hospital and obtain a valid death certificate in respect of the individual. The court will normally ask for the Nigerian population commission type of certificate.

B. Take the certificate to any court premises and ask for the probate office or registry.

C. Submit the certificate there and pay the necessary fees and apply for administration for the deceased estate/properties. The probate will then give you a letter of confirmation for the estate.

D. Take the letter to all the banks you suspect or is aware the deceased had an account including financial houses/stockbrokers. They will oblige you with the deceased financial standing with them as of that date. This process normally takes about a week or two as the finance houses will confirm the authenticity of your confirmation letter from the court.

E. Return the confirmations from the banks to the probate registry. They will add up the deceased financial balances as of the date of your enquiry and apply the necessary charges to the total of it. It is worthy to note that part of the charge will be a mandatory 10% of total balance to be given to the federal government. You will then be asked to go make in payment in bank.

F. After making the payment, take the teller back to the registry and the paper work will be concluded for you to be the administrator/official sharer of the person's estate of properties. You will be given an official letter of administration.

With this letter of administration, go back to all the banks and brokers. You will either be given a draft for the balances or asked to open an estate account with you as the signatory (the choice is yours)

Finally, if you are too secretive and didnt leave any record of your financial relationships, your money will be holed up in ur account, which will definitely go dormant after sometime and will add up to the statistics of existing dormant accounts disturbing CBN.

Gracias

jjagz:
I hope this doesn't get lost in the myriad of responses and the OP sees this.

What is classically done in our climes is to have one hole partitioned into 2 parts which are;

1) SEPTIC TANK: This is where toilet waste i.e faeces are flushed into. Bacteria (which is why it is called SEPTIC) decompose it into SLUDGE which settles and WATER which floats. This tank is usually made with concrete ate the bottom to prevent the sludge from getting into surrounding soil. At the top of this tank is a connection through a hole, pipe or whatever to the septic tank that allows water to drain into the soakaway pit if the water above the sludge becomes excessive. NEVER DIRECT WATER FROM SINKS OR BATHROOMS OR KITCHENS HERE BECAUSE THEY CONTAIN SOAP AND OTHER CHEMICALS THAT WILL INHIBIT THE BACTERIA AND THE SEPTIC TANK FILLS UP QUICKLY LEAVING YOU LITERALLY WITH BIG UNDECOMPOSED SHIT.

2) SOAKAWAY PIT: Which is what we call the whole set up at times. It is normally larger and the floor is left bare to allow water literally SOAK AWAY into the ground. Water from sinks, bathrooms, kitchen sinks etc should all come here, including the excess run off from the septic tank( remember from above). SIMILARLY TOILET WASTE SHOULD NOT BE DIRECTED HERE FOR THE SAME REASON IN CAPITAL LETTERS ABOVE.

I hope I have clarified and and not confused you more.

You're welcome.

Akanniade:
What of princess Alora, king Zakon, prince Lotor, Hagar the witch are they all in the new series?

silvoice:
364days

silvoice:
wao FBN Just Credited me with interest of N63,916.27. For N500,000.00 tbill. Is this secondary market or was there an auction yestarday? What % is this?