₦airaland Forum

So like the topic says,what are those pain you endured,the insults you took and beared,the labour you went through,the asses you kissed before you made it.
Share now if you can,your experience might just be why someone decides to hang on and keep fighting.

TotoGame:
You're talking out of experience bah


Hook me up with one abeg

Not experience,just common sense.
Which woman that still have male demand will pay you for sex?
They are even in your streets,I've just given you the category of women who can be your possible clientele.
Go after them,be bold,be friendly with them and keep them company,
You might start small with small small billings,5k,10k,20k,etc...some na food sef dem go give you
Still take sha and grow through the ranks,
When you don love-vendor up,you go for bigger clients by engaging bigger neighbourhoods and hangouts and apply same principle(all women are alike regardless what anyone tells you),rinse and repeat.
Bigger clients obviously means bigger billing.
Goodluck.

TotoGame:
I'm a student and I'm in need of a sexy sugar mummy


Whatsapp me on 08024281067

You don see sugar mommy weh dey sexy for Nigeria before?
If at all you get,na the ones weh their belle don fall ,cover their pelvic region you go dey see ...
Those ones weh you need to dey on better codeine diet and tramadol ,with small tombo and bajinotu before you go fit get erection to use bang am,
And carry better baby oil follow body because those mamas dey dry like burnt kpomo from Kano lol.
Know the difference between a sugar mummy and a cougar henceforth.

Funny enough,I am a last born.
Was a very spoilt one at that.
Use to come out of the toilet after pooping and beckon on one of my then slaves(siblikgs) to come and wipe my bumbum,shouting at the top of my voice..
Was like:First person to come and wipe my yarnsh....

hahn:
Bro, women have actually told me after I made the cum that it was their first time and they didn't know it was possible.

Nigerian women are brainwashed by religion not to enjoy sex.

Even ordinary kissing na problem.

But there are some girls sha

I know men,I know.

Daveambition:
E be like say na girls wey no dey medically fit this one dey nyash ooh.. Alaye e be me like say na all those Agbo drinking hood girls yu dey nack abi.?

You can discuss with me without being rude/provocative or throw tantrums.
Fix your manners.
You don't know me,even if you do,you shouldn't be this condescending.
Grow up and be a gentleman and quit displaying frustration.
Real talk.

Daveambition:
Any woman can fake moan & cum on ur sheet. If yu like jack her legs put for ur shoulder as per "wheel barrow" style or hang her for wall like plasma with ur right hand choking her throat & the left hand grabbing & squeezing her butt to sustain her on air. She no send yu.. Only thing a woman can not fake is that moment of vibration during squirting...
E sure me dyeee

Fake cum?nah...only ecstasy brings about that.
I hope you know "squirt " is urine?
A girl that was pressed before sex will easily squirt without even enjoying the sex.

hahn:
Many Nigerian women don't even know that women have the ability to cum

I doubt this,
They know,just that they maybe too shy to discuss it with you or let you know you have to make them cum.

Question is simple, how do you know?
A woman can cum under or untop of you,but I don't think It necessarily means she is enjoying it,especially coupled with the fact that naija women above 30 years of age do not moan from my experience.
Discuss.

Nwatachoba1:
Good day bro
Just saw ur message, but I don reply am for email...

okay,replied.

CaptainAyub:
How we want talk sef?
U go fit send me ya WhatsApp number on ejyklord@gmail.com?
Or gimme mail wey I fit send you mine?

okay sure,
seatrade456@gmail.com

CaptainAyub:
Talk like this is why buhari easily scammed una

Sup bro?
How's that purchase on the mack ch truck head going?
You don buy am yet?
We need tete a tete oo baba

NL1960:
Let me add to this your points.

It is like somebody asking why a person having 10m in the bank is taking a loan of 8m to buy a transport vehicle and that why did the person not take 8m out of the 10m as he will still be let with 2m.

If the 10m was just sitting idle with no purpose,I'd say use it.
You somehow forget to see that a loan has something called interest attached to it and also remitting capital and interest in non collateral cases.

PresidentBuhari:
Does anyone know how much dollar is being sold for now.

The $10,000 I bought at N370 in 2020 is sitting idle under my pilliow.

How much does dollar sell for now?

560

ojesymsym:
When one looks at how you have simplified it, it becomes tempting to agree 100% with you, but cash backed loans is very popular with business
savvy folks. Maybe it is the desire to stay disciplined with payment or the lure of having cash at the bank,, but I do know it is a strong recommendation.
It is also good for people who have a predictable inflow that want to use that inflow to finance a business and do want to wait until they have saved the required amount so they decide to borrow upfront, but rather than use their asset as collateral, they opt to use the cash with the bank as the collateral knowing that their inflow can handle the loan repayment.

You are seeing that mutual funds as cash, but the owner is seeing it as an asset just like a house that he would not want to sell in order to do one quick 6 months business. My thoughts

In other words,the bases of mutual funds is emotions,not logic then.
"Make e be say bank owe me money and I can access credit too"...

Itsrm:
I actually agree with you and seatrade. It really does not make any sense paying 15/24% interest on a loan when your collateral for the loan can easily be liquidated.

If the collateral was a house or landed property, it will make more sense

If I am going to take a loan with my mutual fund as collateral, the interest on the loan has to be less than 5%

Sharp!

emmanuelewumi:
Do you know the rigourous rating that a company must have before SEC will approve commercial paper issuance?

Commercial papers are for maximum of 270 days

Doesn't make it fail proof or undepreciatable.
Why don't we work with interest since this is workable.
Leave appreciation out of it cos it is simply gamble,
You can't know if it will appreciate or not,rather a very good guess.

emmanuelewumi:
I used money market fund with the assumption that he didn't get capital appreciation from the fund

Leave appreciation out of it,cos there is no guarantee that it can't depreciate as well(commercial papers of companies that even goes moribund)
Let's talk interest and work with what's projectable.

emmanuelewumi:
It appears you are not business minded or Investment savvy


If you are a business man, you are eating your cake and having it.

A trader or business man with N22 million worth of mutual fund, can get a loan of N20 million.

If he got for 6 months, his total interest will be N1.5 million.

He used the N20 million to import goods and sold within 6 months, making profit of N5 million.

Paid interest of N1.5 million to the lender, meanwhile he has also earned dividend of N1 million from his mutual fund used as collateral within the 6 months of this transaction

He still lost 500k ,I wonder how you failed to see it.
If he had not bought mutual funds and used that his money to import, he would have had all the 5m to himself.
But according to you,he should buy mutual funds and use as security to get a loan to import.
Okay,still on the 20m loan,he pays interest of 1.5m throughout the period of the loan.okay.
Take that off from his 5m profit is ;5m-1.5m=3.5m.
Okay add that to the 1m he made from the mutual funds and what you get is 4.5m.
Now tell me,where is the sense in this?
Not also forgetting that he will be remmiting interest and capital back to the bank monthly throughout the loan period which is going to take away all the purchasing power from his hands before the loan elapses,gradually killing the business and taking away profitability.
I don't see how this is such a smart thing to do tbh...

CSTR2:
Sorry.

Senior production engineer.

https://www.linkedin.com/mwlite/in/ifeyinwanduka

Yeah exactly,
Cos I kinda know a thing or 2 about that place and share some kind of interest.

CSTR2:
They are in engineering now o.

Go to Coren, Dem plenty.

The head of project at dangote refinery is a young Nigerian female chemical engineer.

I don't even think she is married yet.

Head of project?
You don't know what you are saying.

CaptainAyub:
My sisters' pocket money in secondary school were higher than mine that was already in the university.
Thank God they caught on sha,doing well both b4 they got married.
Ist sister had a PhD at 28 and was workingbb4 she got married.
2nd had a masters and was lecturing in a Fed Poly plus doing buying and selling b4 she got married.
No be like those wey go finish school,then be collecting money from papa and mama, then be waiting for another man to come and continue where their father stopped in the name of marriage.

Same as me.
My sister right from boarding school days had more allowance,provision and care than I got.
Went to school abroad and got her entire medical program funded from Africa.
Me na here I go my own,then enter market begin battle with men weh don dey system before them born me for dominance,na wetin I see be that.
No one set me up,I struggled very badly for headway using my fees as working capital,
Only luck I got was I started very early when I was still very young,energetic and agile.Right then from my 200l days .
Later some clowns will come and be shouting marginalisation.
What a joke!

Bunch of delusionist,those ones.
I've always tried to understand how women are being marginalised in this country yet i can't see it.
Except for the core North,Nigeria women literally have it better than most men.
Hoping to get things on a platter,while hiding under their marginalisation agenda.Who's suppose to pay the price for you just cos you are female?
If you want to succeed in any sphere,better fight hard for it,else get ready to be stuck in a spot for very long periods,male or female.

XiaoLi:
So if you see a business that will generate more profit than your importation business because of naira devaluation and you have trusted people who is ready to lead you, you will stick to your importation business because it is a movable gooods?

Of course I will do the new business,but will not stop the importation business,for "man no dey know" reasons.
I will use my extra funds to do it,not carry importation money and start blazing a new path and taking risks,before it blows up in my face.

emmanuelewumi:
Na street drink ooo, it is in high demand

Wow,sounds cool.

XiaoLi:
You may have a point but all is not totally correct, this is from a personal experience as someone who was into importation.

You think I wasn't talking from experience?
So if you were importing a movable goods,you will stop because dollar go up or what?

XiaoLi:
DIfferent strokes for different folks, I know many heavy weight importers from Alaba and Oduade building material market selling their stocks and moving into real estate development becauase of frequent naira devaluation. I use to do importation myself but stopped because naira devaluation keep wiping out my capital.

They are not moving to real estate because importation is no longer profitable even with the devaluation.
They are moving because their capital have supercede their market share and they are now running the business with a whole lot excess money than it requires,hence the need to diversify.
Same reason I want to go into trucking,not because I no get business but because the investment don dey pass the selling power wella.
You start to experience storage space problems.
Too much debt your customers will owe you because you are looking for who you will dump the excess goods on and start pursuing for your money upandan.
Too much slow selling goods weh go tie your money cos of excess liquidity.
Too much spoilage cause storage go fill to the brim and hence your workers will have a field day damaging your goods with their legs(climbing of carton)
Too much envy!
Arm robbers go dey reason your matter steady cos your warehouse too full.
FIRS go say make you pay VAT.
wastage of time value of money buy running the business with excess capital which can't generate any more income as sales have cap,etc...

XiaoLi:
Look for one drink called Bajinotu Poka and thank me later, I think their company is in Ogun state, it has not penetrate SE and SS market

Only premiums that I do.
But the name though

XiaoLi:
With this frequent naira devaluation how much can thesame amount generate from importation monthly?

Depends on what you can import,
If you are a daredevil with better connect,bros that thing go be child's play ooo.
But let's play safe ,transport is a good sector as it always have demand, different unrelated clientele plus zero credit.
Devaluation can only dull your sales as an importer but usually the people that bare the brunt is the populace.
I am not even interested in import,na major distributor work for a moving product I dey find now but everywhere seems to be saturated!

XiaoLi:
Mistake on my previous message, i mean brand new Howo can generate 300-350k weekly, thats around 1,200,000 monthly.

Still poor!
With this you no fit recover your money in 2 years when you take away expenses,NURTW,local government and their bastard agbero!!
500k-600k/week makes more sense tbh...
If you want street jobs then don't buy brand new,all these 80s mack for 12m will do the job perfectly.
And the longer time it takes to recoup investment,the riskier it becomes cos these things have a penchant for rolling over and getting damaged!

emmanuelewumi:
No that easy to have jobs every time, there are weeks you won't get jobs

Not really ooo,I cannot buy a truck brand new to be doing street work(pit or quarry to site) ooo ha!
I will buy something for contract haulage only.
Like for instance lafarge haulage of materials to and from their ogun and cross river plants.
Me and street work,my hand no dey because na that tike driver go use you catch fun!
Also,I think one way to curb scarcity of Job is to buy truck weh no common,like the 45ton HOWO weh big like house because many people can't afford it and it is the preference of people who give bulk jobs ,like companies.
What do you think?

XiaoLi:
The person who manages the truck will take care of any maintenance less that 10k, any maintenance upto 100k will be taken care by the owner of the truck..both parties can also negotiate on how to share the maintenance cost too, brand new Howo is unlikely to develop any serious problem in 2years except in a case of accident, the only maintenance which is likely to cost more money is changing of tyres but it is always advisable to buy up to 4 brand new tyres while buying the truck..this way you will enjoy the truck for up to a year without headache..I think a brand new one cost thirty something M.

You see where the problem is?
Why should a person spend 30M+ to be chasing 350k monthly na haba!!!
When will the truck now balance up its investment?
I have been looking at some random figures yesterday and I noticed something.
Most people that have contract jobs for these things prefer HOWO.They always insist on HOWO or nothing.
2)I noticed they pay per tonnage,
I saw 15,000/ton from ogun to cross river.
So if a person buy a 40 ton HOWO truck brand new,it will cost like 38-40m.
So paying me 15k/ton implies the trip is 15k/ton×40ton carrying capacity=600k/trip.
And when coming back,they load some other thing to the base,meaning 1,2m/round trip.
According to data,2 round trips can be made weekly,meaning 4,8m/month gross.
Then go to expenses and so on,you find out that the truck can recoup its investment in 15-18months which isn't bad,provided it suffers no major damage which is unlikely since I will prefer to buy brand new abeg,I no get strength for old vehicles olorun!
Buy good insurance and I think by so doing a person have mitigated most of the risks.
Then the remaining problem now will be local government people and their useless agbero tax and NURTW wahala!
Then put tracker to monitor driver too thrn pay driver per trip.
But all these are just theory as I have no major experience in this.