₦airaland Forum

You don't always need any help making dumb financial
choices … but these people might be inadvertently
rooting you on.
1. Your spouse There are many ways your spouse can
hurt your finances, even if she has good spending
habits. For example, your spouse has no credit history
because she got a full-ride scholarship to college and
paid cash for her car. When you jointly apply for a home
mortgage, you might be rejected for the loan or charged
a higher interest rate for a joint loan due to her lack of
credit history, even if your own credit is spectacular.
The shopaholic wife driving a couple into poverty is a
tired and stupid trope. In fact, hardworking spouses are
often the accidental cause of financial mayhem. If a
couple with kids is paying more in taxes because their
double income is putting them into a higher tax bracket,
they should do the math to see if it's financially more
profitable for one spouse to be the stay-at-home
parent. Fair warning: Discovering that you're worth
more to the family budget as a dependent on your
husband's tax return than as a respected professional is
an ego-crushing experience for wives who love their
work but make less money than their husbands.
Regardless of who stays home with the kids, it's worth
running the numbers to see if a double income actually
makes financial sense. My friends Katie and Marc
discovered a few years ago that they were spending the
equivalent of Marc's entire salary on childcare, gasoline,
and other related work costs. Marc, who made less than
Katie, decided to quit his job and stay home with the
kids. With Katie as the sole breadwinner, they fell into a
lower tax bracket, no longer needed the help of a nanny,
saved on gas money, and put less wear and tear on
Marc's car. As a full-time worker outside of the home,
Marc was only adding $2,000 a year to the family's
savings. As a stay at home dad, Marc adds $17,000 to
the family's budget.
2. Your kid Based on a survey by the U.S. Department
of Agriculture, the cost to raise a child born in 2013 to
the age of 18 is just over $245,000. Depending on your
income and where you live, this number could be higher
or lower, but the fact remains: having a child is the
single most costly thing that most people will do in
their entire lives. Although the high cost of having
children is common knowledge to just about everyone,
according to the Guttmacher Institute, 51% of
pregnancies in the United States are unintended.
Although many accidental parents are happy with their
unintended offspring, what this statistic says is that
over 50% of American families are just winging it with
their finances, and that's kind of crazy. Would these
same people accidentally buy a house for $245,000?
Okay, okay. Comparing the pleasure of parenthood to
the pleasure of homeownership is like comparing apples
to oranges, but I'm hard pressed to think of another
$245,000 investment that more than 6.6 million families
would fall into without foresight each year. The best
thing that parents can do to ensure the financial well-
being of their family is to plan their parenthood. When
you have children, how many children you have, and
where you raise your children all have a direct impact
on family finances.
3. Your parents While growing up with my parents' near
pathological, Scrooge-like tight-waddery was no fun,
I'm grateful as an adult to have parents who saved
enough for retirement. Even though the financial
downturn of 2007 knocked my parents' retirement fund
down by 45%, they still have enough money to live
comfortably for the next 25 years. Alas, my parents are
the outliers in this scenario. Many of my friends are now
faced with the financial double- whammy of supporting
both their kids and their newly poor parents. What I find
shocking is the number of young people forced into
supporting their financially irresponsible parents who
live extravagantly with no thought to how they will pay
the bills once they leave the job market. Even if you
hate your parents.

Source: http://www.scamfender.com/2014/12/the-9-people-in-your-life-keeping-you.html?m=0

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Old pic

TheRealMrStan:
http://lindaikeji..com/2014/11/photo-huge-snake-found-and-killed-in.html

The picture apparently shows a huge (dead) snake,probably an African Python being displayed by a group of men believed to have killed it.

In any case, Snake meat is considered a delicacy in some parts of Nigeria and it's very likely that the reptile pictured here has already made it into someones pot of soup.

Web contributors needed for scamfender.com

Just send ur ttopic/article which is helpful to scamfenders@gmail.com along with the source


You will be contacted if your topic made it or not
Announcements will be made every Sunday. The writer(s) of the top 2 most viewed topics will receive 500N each

Ask if you have any questions

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Which one will you open first

It's only the gods that can answer this question

https://www.youtube.com/watch?v=MFqFsFFAkDM

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You can get free airtime of yur choice by just copying and posting your topics to this email
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Only helpful topics are needed..no spam orr adverts pls(we will reply you if the topic is to be uploaded orr not)

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And the source of your post/article should be stated at the end of your post
Goodluck!

P.s-feel free to ask any questions

With scamfender u can pay into any1s acct and be rest assured that your goods will get delivered to you. Protective Umbrella for both buyer and seller.

1. If you want something bad enough, there is a way!
2. Start a journal and track every thing you have
conquered. Be sure to award yourself for a job well
done.
3. If something appears too good to be true – IT IS!
Always conduct thorough research and never jump into
opportunities that look perfect.
4. Those little things can quickly add up to a big mess if
not taken care of in a timely and efficient manner.
5. Look at ways that you might find new customers,
increase productivity, or resolve issues.
6.Learn as much as you can from every person you
meet.
7. Guard your Emotions
8. "Are you practicing them?" It's not what you know
that will earn you more money, but doing what you
know.
9. Try to live every day as though it were your last.

Source: http://www.scamfender.com/2014/11/9-quick-success-tips-to-make-more-money.html?m=0

Whatever your specialization, you can enhance your
authority as an expert via online sharing. These
methods have worked for me.
1. Write a blog. Post at least one thoughtful article each
week on a subject helpful to your readers. You may
soon be invited (or you can offer) to contribute to other
blogs, thereby expanding your audience.
2. Offer a newsletter. Compile a monthly or weekly email
with tips, article links, event announcements and
exclusive offers, and send it to your mailing list.
3. Write guest columns. When you contribute to online
news hubs, you increase your audience, attracting more
eyeballs to your blog or newsletter.
4. Tweet. Often. Post something that interests you on
Twitter several times a day. Others will catch on.
Whatever online methods you choose, be sure to refresh
your content regularly.

Source: http://www.scamfender.com/2014/11/4-steps-to-becoming-internet-famous.html?m=0

SuperMartins:
If only I saw dis earlier..

hmm u mind sharing your story

1. Deal locally, face-to-face —follow this one rule and avoid 99% of scam attempts.
2. Do not extend payment to anyone you have not met in person.
Beware offers involving shipping - deal with locals you can meet in person.
3. Never wire funds (e.g. Western Union) - anyone who asks you to is a scammer.
4. Don't accept cashier/certified checks or money orders - banks cash fakes, then hold you responsible.
5. Transactions are between users only, no third party provides a "guarantee".
6. Never give out financial info (bank account, social security, paypal account, etc).
7. Do not rent or purchase sight-unseen —that amazing "deal" may not exist.
8. Refuse background/credit checks until you have met landlord/employer in person.

Source: www.scamfender.com/2014/11/top-8-rules-of-avoiding-online-scams.html?m=0

Watch or download the video or audio of the song click here for the song and video'also available for download '
Any complaints or acknowledgement. Please comment here

Adulthood is exhausting. With the responsibilities of
work, family, friendships and more, we are expending a
lot of energy and are even limiting the amount of rest
we can get to replenish it. At this point in my life, I
figure I should save as much of my energy as I possibly
can for the important things. These are some ways I've
found that I was wasting energy and I didn't even know
it.
1. Allowing background noise:
Background noise raises stress levels , making it harder
for us to focus on concentrate. When we continually
require ourselves to perform tasks
with noise — even if it's just a droning air conditioner —
we are using more energy than we need to. While it
might not be possible to eliminate all background noise,
especially in our loud world, you can almost always do
something to make it quieter. Buy some noise cancelling
headphones and wear them without listening to
anything, use earplugs, or turn off the TV to save your
energy.

2. Giving away your power.
There are so many ways to give away your power. The
basic idea, though, is that you give away your power
when you say or perceive that
someone or something else is in charge of your life (or
an aspect of it), rather than you. This can be as simple
as always waiting for directions before you take action,
or more complex like blaming your genes for a medical
condition that limits you. When you give away your
power, you give away your ability to make choices that
will make your life better. For instance, you may not be
able to do anything about an inherited medical
condition, but you can still choose to live life to the full
with that condition. Doing this will energize you.

3. Keeping lists in your head.
Sometimes, I find myself exhausted because I'm trying
to remember so many things. When I take a moment to
write them down, my mind can relax because I know I
won't forget anything important. The simple act of
writing things down saves me energy now, but it also
saves it later. If I insist on keeping all my lists in my
head, I almost invariably forget something. That causes
all sorts of stress and wastes so much mental
energy later, when I have to scramble to pull something
together or apologize profusely for missing an event.

4. Checking email more than twice a day.
Most people really only need to check email twice a
day. Most of your messages aren't urgent and, if
someone has something that you really need to know
right now, they can always call, text, or come find you
themselves. When you check email all the time, you're
distracted all the time. Sometimes, you're even trying to
check your email while you're doing something else.
However, multitasking doesn't really work. You're
actually switching rapidly between tasks, not doing
several things at once. All of this switching takes
energy, which you wouldn't have to spend if you could
focus on each task alone.

5. Trying to control the uncontrollable.
I like to be in control, even when that isn't possible. In
the past, I've wasted a lot of energy trying to control
people and situations that it simply was not within my
grasp to control. When I can let go of those things, I
find that I have more energy to spend on the things that
it is within my power to change. Letting go of the desire
to control usually comes from places deep inside of us,
and you probably won't be able to let it go overnight.
Start by figuring out what you're afraid of that causes
you to need so much control, and begin to work with
the idea of letting go from there.

6. Working long hours.
Working longer hours doesn't necessarily make you
more productive. In fact, productivity tends to drop
significantly the more hours you make yourself work.
When you're working long hours, you're wasting your
energy. That energy would be better spent finding a way
to rest and to
rejuvenate, so that you can come back to your task
later, at optimum levels of productivity. Even if you
don't get every second of rest that you need, a short
break will help you focus again.

Source: http://www.scamfender.com/2014/11/7-ways-you-waste-mental-energy-without.html?m=0

The longer people talk over the phone, the more likely they are to develop glioma, a deadly form of brain cancer, according to a new study. Brain
tumour rates were three times more among people who spoke on cell or cordless phones after more than 25 years than those who did not use them, the findings showed.
“The risk is three times higher after 25 years of use. We can see this clearly,” said Lennart Hardell, lead researcher and oncologist from University Hospital in Orebro in Sweden. For the study, Hardell and his colleague Michael Carlberg matched 1,380 patients with malignant brain tumours to people without such tumours. Researchers also compared their phone use. People who reported using cordless or mobile phones for 20 to 25 years had higher risk of being diagnosed with glioma, as compared with those who reported using them for less than a year, the study found. However, no link was found between wireless phones and malignant brain tumours besides glioma. A World Health Organisation panel of 31 scientists from 14 countries classified mobile
phones as ‘possibly carcinogenic’ in 2011.

Source: http://www.scamfender.com/2014/11/phone-call-usage-may-lead-to-brain.html?m=0

Is the blue part the front or back

Try to count. The number of black dots in the picture below

Some r white

CallmeKola:
1.
2. I can see a man's face somewhere there. Lol.

Specify

A man came back to his home after being away from her wife for a year. He surprised her by his visit and kissed her as she stood shocked. After that, he took this picture of hers to mark a memory.

After a few days, the man killed his wife. When the police arrived and asked for the reason, he told them that his wife was cheating on him. He gave this photograph as the proof.

What do you think he found in this picture that made him believe that his wife was cheating on him?

Can you find out?

Count the number of circles in the picture below (from the centre)

CallmeKola:
@Scamfender,
Abeg, post the answers to these questions and put us out of our miseries.

. Will do that tomorrow. I don't post another picture until the current one has been solved

How will you place six X'son a X and O board without forming any three-in-a-row combination?