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SO SO SO SOS OS SOSOSOSOSOSOOSO SOSOLISO #CUTE TWINS

@ moscobabs



DUDE GO SEE A DOCTOR - FAST, but i dont think its life threatening - just ensure u get certified help asap

Alphaamale2017:
nothing to say. cos it's a fake story

Yepaaaaa

u nko? werin u go talk.. lol

Alphamale2017:
olamide will tell u that it's story for the gods

ok

mofeoluwadassah:
you have not been picking his call......and you still need advice abi

dont u think its better to get advice before reacting overly? i guess her motive is proper, its no use saying too much if in the end she's going to have to forgive him and move on...

the words u say - can be used against you.

shevon:
Lol... If only you know what I'm capable of. She's the least of all the problem my wife and I had.
When she says we don't give her work to do, she meant, unlike when we were in PHC (she's from Rivers by the way and ours was her first time outside her village in Elele), she does the house chores and also goes to the market too; I guess that afforded her time to meet her people. But since we moved (and this was her first time ever outside Rivers State) we didn't want any wahala till she got to know the 'Lagos' way, so we restricted her to only house chores of which when she was done cleaning the house (which includes the dishes like you'd want the world to believe I did for her) she has nothing else to do. My kids are grown and my wife hasn't gotten a job here in Lagos, so she (my wife) pretty much takes care of the kids.
So, don't be quick to pass comments about "people like you" when you don't really know them.

God bless ur hussle... You do well - another wld have seen it as an opportunity to over-use her for errand etc

I guess she needed some free time and wasnt seeing it..

My boyfriend is cheating on me and he's waring me out.

I'll summarize - Recently he was transferred to the Ijebu-Ode branch of the bank he's working with and he had to get a small apartment there for ease of transportation and resumption in time.

I visit him every 3 days since I leave in Mowe and it's about 30-45 mins journey.

But as if that's not enough, he's been cheating on me with a girl he met in Ijebu-Ode and he wasn't doing that when he was in Lagos or so I thought since I never caught him.

I noticed a nicely cooked soup in his kitchen once and when I queried him he said it was from the soup delivery people, but I noticed other things and had my doubt.

I visited him last week Tuesday and left on Wednesday morning informing him I'll return on Saturday but I surprised him with a visit on Thursday morning around 7:50am and met a girl in his house who claimed to be his girlfriend since she didn't know me or who I was.

I've not picked his calls since then and he has been sending whatsapp messages pleading but I've not replied.

Please, I need your advice - What should I do?


copied: Relationship Tips on www.palmchatnow.com

I Attended their wedding this Saturday at Ogba thou...

HML again - it was a lovely wedding.

true2home:
Seriously!!! she left for not having anything to do? and all she does is eat and sleep? so you are telling us that YOU WASH HER DISHES while she lived for free its very obvious why she left. this write-up is referring to people like you exactly!!!

are u suggesting she was been offered to Oga or driver..lol

shevon:
Na wah o. And our own help left with the excuse that since we moved from PHC to Lagos we have not been giving her as much work as we do in PHC, all she does all day is eat and sleep.

- what!! a reason... Make I just lol

edimalo:
The untold tales of househelps

Lecturer

OK.

I'm guessing your real name is Benjamin

HenryWilliams:
How to write a good statement.
1. Never be in a rush
2. Be very clear in your writing. All events leading to the arrest/invitation must be written in chronological order.
3. Write your words closely to avoid insertions later by the police
4. When done. Sign immediately after the last word to prevent any addition after you've done.
5. Proof read your statement to ensure its correct. If for any reason you believe it wasn't written properly..don't inform the police.. Simply tear it up promptly and quickly.. People have been jailed cos of this mistake .

Great summary... Thanks

AS I GET GATE PASS TO BANANA ISLAND - NA TO ATTEND TOMORROW FREE RICE REMAIN

HML

@Teewhy2

Hmmmm Ben way no they womanizer is that one Ben, Abeg make I come dey go jare.

I'm guessing your real name is Benjamin

vivypretty:
nice one
be informed
no knowledge is a waste

Abi... .. Even if we might never get into police case, it's good to have an idea..

WHAT YOU NEED TO KNOW WHEN DIRECTED BY THE POLICE TO WRITE A STATEMENT:

If the police ask you to write a statement, which they normally do when they stop you on the road and take you to their station or when they invite you to their station, you should know how to write a good statement that will not implicate you.

First, whether you write a statement as a witness or as a suspect, you must understand that your statement is very likely going to be used against you either in court or for the purpose of blackmail by some officers (not all). Therefore, take your statement writing as a serious matter.

Remember that you have right to refuse to write a statement until your lawyer is present. But this normally leads to argument and hostile reactions from the police, and it may likely be a pretext for them not releasing you immediately.

There are no hard and fast rules as to the content of a statement. It is supposed to be what you know in relation to an incident or the reason for you being brought to the station. Since the statement is not just a general view on anything you like, it is important that you know the reason for which you have been brought to the station.

For those who have been suspected of committing an offense, make sure that before you start writing a statement, you ask the officer the offense for which you have been brought to the station. If he tells you that there is no offense, that they just want you to tell them all you know, you can politely say: No, Sir. The police force is meant to enforce the criminal law. Therefore, the police would not have any justification to bring you to the station except if they suspect that an offense has been committed somewhere by somebody - either you or someone else. And you need to know the offense and the person suspected before you could write your statement.

Also, if you were arrested or invited as a result of a petition written against you, you must demand to read carefully that petition before you start giving your statement.

When you start your statement, make sure you explain in your statement the reason for which you have been asked to make your statement. For instance, you can say something like: "I was stopped while driving my vehicle with registration number xxxxx on ________ street in _______ city. After showing my papers to officer xxxxxxx, I was taken to the police station and informed that my car was suspected of being stolen car"

Then you make your statement. You will see that the police will not like this. But you should be able to state the summary of the circumstances that led to you having to make a statement in the station.

I will say more about writing statements at police stations. For now, just get the idea that you should explain why you are making a statement and the offenses you were told you were suspected of. You should state that in your statement before you begin to write other things

POST SCRIPT: The reason you have to state in your statement the reason for making a statement is obvious. Your statement when read by a third party can only make sense in the context of the matter that prompted the statement. So, if you didn't state the matter to which your statement relates, the police may change the matter down the line. Initially, you thought you were arrested because of stolen vehicle, but the police later charged it to kidnapping. If a judge is reading your statement in a kidnapping case, he will think you were evading the issues. He will think you were dodging the matter that you don't want to answer the question. And he will form a negative opinion of you based on your presumably inconclusive and evasive statement . So be careful and be wise

(C) Lady Kuku Ikpidungise

Copied: www.palmchatnow.com

Cc: Lalasticlala mynd44

nigress:
I've adressed the issue. Kindly let me know your stand.

seen... uwc

nigress:
please i sent you
pm

yes, i replied immediately . pls check ur mail. thanks

Hi. My name is Ben. You may not have heard of me before, but don’t worry, I’m rich.

As a successful venture capitalist in Silicon Valley, I’ve helped launch some of the most innovative startups in the tech industry. The creme brûlée cruster? Yeah, that was me. Listen, I’m changing lives.

Obviously I’m a smart guy, but one thing I can’t for the life of me understand is: why do all these women keep accusing me of sexual harassment?

Sure, I slept around in college, who didn’t? And yeah, I might’ve been called a “creeper” a time or two, but who hasn’t? And yeah, I use my position of power to get laid, but who wouldn’t?

I think the most important thing you should know about me is that I’m married. Marriage changed my life, mostly because it made all my friends think I’d become a new person who stopped trying to get laid all the time. Getting married was a brilliant strategy on my part. I talk about my wife all the time, she’s the first line of my Twitter bio so people know they can trust me. I talk about my family constantly so I look like a good guy who doesn’t sleep around.

So why are all these women openly accusing me of sexual harassment? I’m a businessman. I take meetings all day long, sometimes in the office, sometimes at a restaurant, sometimes at your house for a drink after dinner to talk more about this funding you need. That’s normal.
I help women. My hand on their knees under the table lets them know I’m on their side, I’m with them.

Do I want them to fvck me? Sure I do. Will it affect whether or not I fund their company? Yes, it will. Does that mean I don’t respect them? No! Well yes. But it’s not personal, it’s business.

All these women want to be treated differently. They want to be put in some special category because they’re “female founders”. And I do put them in a special category, I call it my spank bank. Ha! That’s a joke. Lighten up.

This one chick said she didn’t appreciate my advances. But she appreciated that advance check I gave her, didn’t she?

As far as I can tell, these women are harassing me. Would they be trying to get to know me if I didn’t have money? How shallow is that? Why do they show up to meetings wearing pants and blouses and earrings if they weren’t interested in a little something extra? Haven’t they ever heard of the cost of doing business? Yeah it’s called the CDB, look it up. I went to business school.

Okay, maybe I cross the line sometimes. But why belabor it? Move on. Who cares? It’s no big deal. It’s all in your head. It doesn’t matter. What matters is your company, which needs to get off the ground and me, who needs to get off.

It’s not sexual harassment, it’s quid pro quo — another business term you should get familiar with.

So stop accusing me of sexual harassment because honestly, I have no idea what you’re talking about.

culled: www.palmchatnow.com

hotmomma:
Wow, saydfact, thanks for the response, I was given very high quotation of blocks with almost same bags of cement as yours. Hmmm. I will send u the plan via your email.

From the plan you sent you'll need about 1200 Blocks (9" for the foundation i.e 4 courses of blocks... The cement is still as stated above (Plus or Minus) but I'll go with Plus believing you wont compromise on the pillars / column that wld eventually transmit / carry the building load.

Good Luck

hotmomma:
Wow, saydfact, thanks for the response, I was given very high quotation of blocks with almost same bags of cement as yours. Hmmm. I will send u the plan via your email.

mail received - i'll get back

Public Service Announcement: If you generally don’t like me or my writing, or think me a blow hard braggart, please stop reading. You will probably miss the point and become more angry with life in general. Don’t. It’s not worth it. Be happy. I’m not worth it. Okay? Cool.

December 2013. Mrs Njoku was worried. A few months earlier we had just became parents with our first born and she needed some security. As a Nigerian Nigerian, she looked upon startup equity with a measure of scepticism. It was all too casino-like, negotiation-heavy and emotion driven for her. She needed something solid. Mrs Njoku was concerned that we were living in rented accommodation and rather than me trying to remedy that, I was busy trying to buy Rolexes, Hublots and such things. Very immature of me. Rightly so, she was very worried.

So I relented. I’m a grown up, a father in fact. I have to do the right thing. So I told her to find a house in Lagos. Let me go find the financing. Contrary to what most people think, the Njoku’s are absolutely not rolling around in dollars. That $40m raised was for Iroko. Iroko does not = Njoku. I am a founder, CEO and shareholder, and still have to negotiate my salary with my board etc. If they see fit to not increase it, they can 100% refuse to. But granted, I am not complaining. I’m pretty well paid and would sit in the top 3% of salaried earners anywhere in the world. If I lived in London or NY or Paris, I could pretty easily get a $1m mortgage without too much effort. (this isn’t me bragging, it will be apparent shortly).

So she looked in Lekki/Ikeja etc. This is 2014 so ~N167 = $1. We found a few places we liked. N130–150m. ($778-898k). We had some savings so we ‘only’ needed N100m. Again. Globally, I earn in the top 3%. In Nigeria I am pretty certain I am in the 0.01% of salaried earners. So I went to my friends at Zenith Bank and asked for a mortgage. Below is what they sent me. (see pics 1)


Reminder. This is early 2014. Today that 22% would be more like 28–30%. Below is the equivalent in a normal world from Rightmove (UK) and Streeteasy (NY). But Nigeria is not normal, so in principal I’m fine with a ‘risk factor’. (see pics 2)


So to fully grasp this, in order to borrow N100m ($600k), I would need to pay back in interest over 60 months/5 years ($389k) at N2,761,891 per month. Now considering this was my primary house of residence and not some crazy investment thingy I was pitching, I was a little disappointed. That’s an understatement. I obviously couldn’t afford this type of thing and simply wasn’t prepared to take a mortgage at such rates. Mama didn’t raise no fool. Was I annoyed? You betcha. Both mine and Mrs. Njoku’s salaries sat in Zenith. We had never asked them for anything. Their general attitude was very much take it or leave it. With a respectful smile. They were, at the time, Iroko’s primary bank in Nigeria and I knew they were earning fat fees from us importing USD to pay Naira expenses here (Lagos office is still very much a cost centre). But they refused to budge. It appeared they didn’t need to.

So I went to my board and asked if I could borrow the money from Iroko. Inasmuch as they wanted to be supportive, CEOs borrowing money from companies is usually a big fat red flag for corporate governance. So they suggested I do a small secondary and sell some Iroko shares to fund the new house. With much regret, I did just that. In the end, I didn’t buy a house. I bought some land and am plotting how to construct my glass house upon it. Those shares have obviously gone up in dollar value since then. The hope is they will go up significantly more over the coming decades. I hate selling equity. Opportunities in value creation, gone.

For me it was simple. My wife and I ceased operating our personal accounts at Zenith Bank in April 2014. There was literally zero upside to it. We got zero interest in holding our money there and using an ATM? Well, anyone can give us that. We ended up moving to Standard Chartered Nigeria. If we wanted to, at the time SC were offering mortgages at 18% or thereabouts. And that was from their website.

Above is the humiliating moment a Zenith Bank Plc member of staff was made to kneel down to beg Ekiti State Governor Mr Ayo Fayose. As mere civilians, we obviously didn’t get this treatment. But we might as well have. (see pics 3)

Reminder. The Njoku’s and Iroko are not the same thing.

So, as they had not really done anything to Iroko, they maintained the accounts, payroll and balance there and for a further 3 years, Zenith Bank was Iroko’s primary bank in Nigeria. Until a few months ago. We needed nothing from them. So, we were a great customer. In 2016, Iroko passed $2.25m and N645m through their accounts. We were great customers, I guess. That was until we asked them for a couple of facilities. You know. Beyond ATM and Internet banking.

We were great customers. Until we required them to add value.

N10m overdraft - sometimes it takes time to import and exchange dollars. If I remember rightly, they asked for an equivalent of $100,000 cash collateral to cover the facility. Which is kinda besides the point. So we never even progressed with that*
We had secured a 5-year low interest N500m (at N10.4m/month) loan for content, but needed a bank guarantee (we are long Naira debt) in order to access it. Remember, we passed through N645m and $2.25m through their accounts last year. Zenith Bank refused. They needed collateral. Cash or assets. They needed N600m equivalent in cash or land. My account officer literally told me he needed ‘Something tangible’

Tangible — ˈtan(d)ʒɪb(ə)l/

noun

a thing that is perceptible by touch.
“these are the only tangibles upon which an assessment can be made”

Zenith Bank made us jump through hoops during due diligence, we tried to use our cashflow and content contracts and offered to pay N30m/month rather than the NN10.4m/month as we didn’t need 5 years to repay. They refused. Reason? Everything we had done in the past was kinda irrelevant. It was the past. In very simple terms, from a credit risk perspective, ‘anything can happen tomorrow’. The guy from Zenith actually told me that. Upon N5m/month repayment, forget we had raised $40m from international investors and had a business that had y-o-y revenue growth of 90%. Not only was I shocked, I was actually saddened. Six years of enjoying juicy inflow fees, transactions (and we make many), every Iroko member of staff was encouraged to open a Zenith account and most did. But that all meant nothing. Because, you know, anything can happen tomorrow. Yes. It can. I can close my account with Zenith Bank Nigeria. This happened on Monday, I think. By week’s end I have cleared 99% of Iroko money from Zenith. Since then, they can’t have seen more than N1m from us. If they are, we are simply in the process of shifting it elsewhere.

Really and truly. What is the point of a bank? ATM/Internet Banking. Bleep that. In normal markets it’s to extend credit (mortgages / business loans), support investments and pay interest on your deposits.

The Nigerian banking system for me is like Nigeria. It has basically failed. If I could, I would keep my money under the bed. I would get the exact same return on interest. I would probably be able to access it more readily. And finally, I wouldn’t have to put up with the BS marketing campaigns about supporting Nigerians in fulfilling their dreams. Rather than marketing about how supportive they are, they should go ahead and be supportive. If you are a top 100 company, they kneel at your feet. If you are one of the hundreds of thousands of regular SMEs (irokotv.com Nigeria is an SME) then you’re on your own.

I actually don’t need the Nigerian banks. But many, many others do. They don’t have the opportunity to tap international capital. They are stuck with the Nigerian banks.

Nigerian banks don’t support. They suffocate.

Why would I bother bringing this up? With the failure of Etisalat, once again the Nigerian banks are out of pocket hundreds of billions of Naira. That’s our money. That’s depositors’ money. They are playing casino with our money and giving us nothing back in return. They get rich. The tycoons get rich. And we, the depositors, lose.

AMCON top100 chronic debtors owe 953.43billion. And this was before the N541Bn recent default of Etisalat.

That Etisalat deal. Apparently banks involved in the loan deal include: Zenith Bank, GTBank, FirstBank, UBA, Fidelity Bank, Access Bank, Ecobank, FCMB, Stanbic IBTC Bank and Union Bank.

THISDAY had exclusively reported that a breakdown of the amounts owed to the banks showed that ‘my friends’ Zenith Bank has the highest exposure to Etisalat amounting to $262 million and N80 billion. GTBank has the second highest exposure of $138 million and N42 billion, Access Bank follows with $131 million and N40 billion. Etisalat also owes UBA $125 million and N38 billion; FirstBank — $79 million and N24 billion; Fidelity Bank — $56 million and N17 billion; Stanbic IBTC — $25 million and N7.5 billion; FCMB — $15 million and N4.5 billion; and Ecobank — $10 million and N3.1 billion.

To one company. Which was 4th out of 4th position in its market and didn’t really employ that many people. Rumour has it that Etisalat had negative cashflow when this deal was structured. Please, where is the security the bank used to secure this facility? Everyone has walked away. Chairman, CEO, CFO, board. But our money is still owed. Depositors’ money. What model or formula did they use to calculate this one?

I am genuinely interested in what landed property? What collateral? What tangible assets they used to collect this $1.2Bn or N541,000,000,000. Did they use the entire Lekki Axis or was it the whole of Lagos used to secure this money?

An investor once told me that Nigeria is basically owned by 200 families. And maybe every 25 years, 5–10 join their ranks. It appears the Nigerian banking sector is for them. The rest of us are just here to spectate and fund their party. Then wallow in the mess they create.

For me. Fv3k Zenith Bank PLC and their like.

With the recent fund raising activities, I think it’s amazing that internet startups no longer have to be suffocated under the burden of having to deal with these idiots. Let them embrace their old industry giants who, per clockwork, build up big debts and default over and over again. When will they learn? Never.

They should stop advertising all over the place and actually provide a service which creates jobs, supports SMEs and helps Nigeria grow. Economies are built on normal credit markets. What we have is 100% not that. Thank God I don’t actually need them. This is for the many who actually do.

And don’t get me started on why every bank now needs a digital tv play. AccelerateTV / NdaniTV / REDtv COMPLETE. WASTE. OF. MONEY. Focus on your basics. It’s not like you are making folks very happy on that front.


*special mention to Ladi Balogun (former CEO of FCMB) who took a little time to hear my lamentations and his team at FCMB organised something which made sense. Even though we never concluded, there was definitely a spirit to support the Njoku clan.


source: https://medium.com/@jasonnjoku/are-nigerian-banks-useless-3a44ef5f671a
https://medium.com/@jasonnjoku/are-nigerian-banks-useless-3a44ef5f671a

cc: lalasticlala, seun, mynd44

.... ... ..... ... ..... .... .... Ok

My latest article : https://www.nairaland.com/3899665/importance-method-statement-construction

hotmomma:
Hi saydfact, pls for foundation of a storey building of a 3bedroom and miniflat on a 30by100ft land, like how many bags of cement and blocks of 9inches do u think would be adequate?

My reply can't be 100% correct unless I see the plans. But you'll be save to have 900-1000 blocks and 45 bags of Cement.

Offcourse, your design might mean you have lesser or more... Or just.

Good luck