₦airaland Forum

Why should I be doing research about other people's companies when I can use the same brainpower (with the money I say I want to invest) to start my own business and yield returns by directly solving people's problems instead of just by outsmarting others?

Feel free to share your information on treasury bills openly on the board. I'm interested in this information you have at your disposal. Thanks.

Almost all the single people I know have plans for marriage.  Women start panicking when they are approaching 30 and suitors are no longer there, while the men are pressured by family members to "settle down". 

You probably want to get married.  Yes, I mean you!  Why do [color=#000077]you[/color] want to get married?
- It is because you want children?   If so, why not just adopt a baby?
- Is it for social recognition or respect?  Why not just make some money and flaunt it to get respect?
- Is it for love?  Is there any guarantee that his/her love wont evaporate after marriage like that of your five to ten former lovers?
- Is it because the society demands it?  You'll be surprised that when you 'bone society' and keep doing your thing the rumors will eventually die down because people have their own problem to worry about.  Nobody complains about the dressing Charly Boy anymore.

Ok, I still want to get married.  I think it's love I'm looking for; love in all dimensions.

What about you?

If your town is currently not connected to the Vmobile Network and you'll like to vote, please send me a PM via the forum and I'll look up the 'town code' for you.

Gbenga Sesan, the first Information Technology Youth Ambassador of Nigeria (as appointed by the Executive Cyberschuul in Lagos) owns a personal domain name - gbengasesan.com, and runs his personal website on this domain.  On this website he posts his articles and presentations, links to his various projects, and information about himself - including pictures.

Edward Popoola, the current IT Youth Ambassador, also owns his own personal domain name and website, edwardpopoola.com, which includes his profile and pictures, articles and presentations, blogs (yes, he runs two blogs - including Jangbalajugbu  ) and links to the various organizations he likes or is involved with.

Roland Ukor, the young programmer who won an Award for a cyber-cafe timer he wrote and sold to so many cafes used to host his personal website on the domain rolandukor.com but unfortunately the site is no longer available (he forgot to renew the domain).

Seun Osewa, my proud but humble self (who am I kidding? ), holds the personal domain name seunosewa.com but all you see when you visit the site is a collection of links to his various involvements including Nairaland.  It used to be a blog.

Advantages of buying a domain to hosting your personal home page/website:
[list][li]Well, it's cool  .[/li]
[li]It shows that you're serious on the Internet, since you must have spent money to get the domain.[/li]
[li]If the home page is really well-designed and you're a part-time web designer, your personal site will do a lot to convince your clients about your ability to deliver.  It just might open the floodgates of heaven and rain riches on you![/li]
[li]Well, it's cool  .[/li][/list]

Disadvantages of hosting your personal website on a unique domain:
[list][li]Some of us can't design very well and we refuse to spend money to hire web designers.  The result?  Ugly personal websites![/li]
[li]Once you're holding and using such a domain it becomes impossible to drop it, even when you're no longer spending so much time online.  You have to keep renewing the domain every year for the rest of your life.  This money should be spent on something more important (like spraying Owambe parties or taking your girlfriend to Mr. Biggs ).[/li][/list]

Do you know other Nigerians who have bought domains specifically for hosting their personal websites?  Do you think this is a wise practice? (a .com domain name costs 1500 to 5000 naira per year).  I'd like to recommend the practice, anyway, especially for those of us commited to dotcom careers.

As you all know, Nigerians love free things ("awoof". I have seen fellow Nigerians spend hours online, spending their money, looking for 'free SMS'! The only thing we love almost as much as what is 'free' is what is 'cheap!'

There is this company that has been advertising very cheap laptop and desktop computers on 'Compulife Magazine' (Wednesday Guardian Newspaper, used to be Tuesday) every weekfor several months. Their prizes are so good that I've decided to download their price list and share it with Nairaland members planning to buy computers soon:

[list][li]Dell Latitude C600 Laptop, with Pentium III 750Mhz CPU, 128 Mb RAM, 20GB hard disk drive, sound card, modem, 14.1-inch TFT Display, and touchpad - 79,900 naira[/li]
[li]1.6GHz Pentium IV System Unit in a Siemens Tower XL Case, 256 Mb RAM, 20gb hard disk drive, with CD-ROM drive, sound card, and LAN card - 49,900 naira[/li]
[li]1.0Ghz Pentium III System Unit (Maxdata Artist) with 256mb RAM and other accessories as above - 32,900 naira[/li]
[li]400Mhz Celeron System Unit with 128mb RAM, 4Gb hard disk, etc. - 9,900 naira [/li][/list]

They have several PCs between 10,000 and 16,000 naira, so if you're a student or thrifty PC buyer you should take a look at this company. I've only listed the offers that caught my eye. The Company's name is CeBroker, and you can visit their website at www.cebroker.ch. Thanks.

The difference between a bank and a company is that the bank is obligated to give you your money and the government has laws in place to help keep banks afloat.  The government goes out of its way to monitor the banking sector and initiate reforms when necessary.

The companies whose shares you are holding do not have any obligation to keep the stock price high, and they do not have to pay you any dividends.  If the majority shareholders are able to embezzle money from the company or justify the payment of excessive compensation to themselves and their managers, they may decide not to pay dividends.  As a shareholder holding shares worth maybe 20,000 naira in a billion naira company, what can you do to prevent that?  Absolutely nothing, and that's what makes me hesitant to invest.

You are right, bioye, that a lot of people are making money through the stock market.  The stock market is a game and every game must have a winner - even a lottery has a winner!  But for every winner, there are several losers and many of them are as intelligent as we think we are.  I just want people to know that before they put their savings into stock expecting to become rich as a result.  Some people selling stocks give people the impression that if it's a good company the shares will appreciate but the price of stock is purely a function of demand which is a function of the reputation of the company and not it's actual performance per se.

Note: To carry the argument beyond this point we may need statistics from the Nigerian Stock Exchange and publicly traded companies in the country.

Hello,

Let's talk about websites being managed by companies in based Nigeria or webmasters who work from Nigeria. Which one, apart from Nairaland, is your favorite?

My favorite is ShopForLess.com, Nigeria's first and best online shopping portal. I've never used it before - that's another story - but all the reviews I've come accross have been positive. The site does a good job of encouraging people with the means to order from them, but for now I think it's only practical for those living abroad since customers in Nigeria need to make a trip to the bank to pay them. Perhaps online shopping will really take off when the Interswitch and Etranzact people get serious?

So what's your favorite website based in Nigeria?

Seun.

Hello Chimanu,

Nice topic. When you buy shares in a publicly traded company, you're entrusting your financial future into the hands of the current and furute management of that company as well as the people who may take over from them into the future. 

Since when did Nigerians start trusting complete strangers to this extent? I mean, when you think about the level of corruption in our country it's extremely risky to invest in any company if you'll not have any say over the way it is managed.  That is why I shake my head when I think of the almost-distressed banks peddling their shares to [size=5pt]greedy[/size] Nigerians who want to make money out of the labor of other people.

If I'm fortunate to have lots of money I'd prefer to invest it in:
- A savings account, because the financial sector is policed by the government - even if the bank goes under you will not lose all your money (Deposit Insurance). Of course, the value of the money will go down with time due to the effect of inflation.
- Strategic investment in real estate - Plots land and property on the outskirts of major cities and in less developed towns, because as such areas develop and businesses start moving in, the landed properties will increase in value.  But even if that does not happen the land will still have more or less the same value as before.
- Entrepreneurship - I have lots of ideas of my own, so why should I give the money to someone else when I'll have little or no say in how it'll be spent?

Now all I have said really only refers to a situation where you buy shares during the initial public offering (IPO).  When you buy and sell shares during normal stock trading you're only playing a game (gambling) with your money and it is a well known fact that the number of people that lose is always greater than the number of people that win (the difference goes into trading fees collected by stock brokers).

If I have special knowledge about a particular company or industry that other investors don't, then I might trade the stocks to make some money.  But generally I'd simply not want play games with my hard earned money.
I will not invest in the stock market, especially not in Nigeria, and I will not advice my fellow youths to do so.

I'd like to invite others to present their points of view.  See also why do people fall in love with stocks

Thanks.

Related Topic: MTN Lead in the Nigerian Telecom Sector. Do you think MTN is really in the leadership position and do you think they can be overtaken easily?

Hot-angel is exactly right even though I'm not the one that told her.  Nairaland is a place where Nigerians meet to interact with each other via various interesting public discussions on every topic under heaven.  You can discuss any topic that is constructive, clean and interesting.  Nairaland is the only Nigerian forum that performs free copy-editing for it's posters.  The only forum that aims to be as clean, clear and easy to read as a good online newspaper!

The "naira" part of the name does not imply that we offer any financial services.  The business concern behind this site does not offer any financial services at the moment.  (not we wouldn't provide such services if we could!)

The Nairaland Forum is intent on being the dominant force in its domain, and you are invited to contribute often and become a part of our success.  We'd appreciate that!

Sorry, drbigdaddyg, International calls are definitely not free in any country! If hot-angel wants to call your MTEL line for example, MTEL will collect some money for the call ("termination fee" and so her phone company has no choice but to charge her well.

Besides, they would want to charge as much as MTN does, but because of the intense competition in their phone industry the freebies have to be thrown in to attract subscribers to the more lucrative services, such as international calls and phone calls made during the 'peak period'.

I only support the idea of lottery if the bulk of the money raised by the lottery is used for charitable causes like donating to orphanages, et cetera. So in your mind you'll know that even if you don't win you're donating to charity. Then the percentage of the ticket sales used to pay the prize can simply be written off as a marketing expense (people would donate more money if it gives them the chance to make millions!)

One idea behind lotteries is that the grand prize winner should never have to work again, but the 2 million naira jackpot in this lottery is too small to give anybody that kind of confidence. Perhaps they ought to increase it to 20-50 million naira?

Hello Vicuzo,

What do you mean by MTN's lead?

Globacom and Vmobile, not MTN, have the lead when it comes to customer satisfaction and good public relations:
- Globacom tariffs are just as high as MTN's tariffs, the per-second billing rate they pioneered was more expensive than MTN's per minute billing, yet the masses see Glo-mobile as a liberator and MTN as an expensive network.  This is called good public relations.  It helps that they also have the most advanced network (GPRS, WAP, MMS) though in practice it can hard to activate those features!
- According to a recent NCC Report on the quality of service of GSM Phone Networks in Nigeria, the the Vmobile Network is at least as bad as the MTEL network, yet if you poll their customers you will discover that most Vmobile subscribers simply have nothing bad to say about the network.  This is called customer satisfaction.

So where does MTN have the lead?
- Number of subscribers?  Could this simply be because mobile phone users on the MTN network are not ready to throw away their old MTN SIM cards when they buy new lines from Vmobile and Globacom?
- Quality of TV Advertising?  Is MTN in the telecommunications business or are they now in the movie business?
- 'Sponsorship' of Politicians? No comments!
- Profit?  Do we have figures from Vmobile and Globacom to compare with MTN's published financial results?

How can assume that MTN has the lead when:
- Vmobile is seen the most customer-friendly phone network.
- Globacom is seen as a liberator and the company with the best technology.
- MTEL, the most pocket-friendly phone network, is now as reliable as the others.
- While MTN is ... "like a bimbo"?

Regards.

drbigdaddyg,

Sorry about the loss of your friend. May God comfort his friends and family.

Best Regards.

Not one pinch of truth in it, I'm afraid.  Nobody even died.

Can you tell us about:

- How you prepared for the test the first time and what you scored?
- How you've been preparing for the next exam and for how long?
- Other information that will help our US-bases members to be able to advice you on GRE preparation?

Thanks.

Let me calculate how much money this 'All Night Talk' practice would cost in Nigeria using one the popular mobile phone networks:

'All night' = about 6 hours = 360 minutes or so.
Cost of talk time on the MTN Network = 39 naira per minute.
Cost of 'All Night Talk' = 360 * 39 naira = 14,040 naira!

14,040 naira is about $100-$110! How much will it cost you in the US?

Nobody died. That's a good thing. I hope they figure out a way to fix this.

I don't have the answer to that question, but I'm sure that they will give you such details if and when your application is accepted. That's the Nigerian way of doing business; we love to withhold important pricing information until the very last minute! Whereas, such pricing information can help you decide whether or not to apply.

For those who are you're trying to fill this role, I'd like you to know that the new topics on the home page (especially those with 0 replies) are much more important than topics in the chatterbox. So when you want to do your early posting you should check the home page first.

Jogego, the students and lecturers who are in universities abroad are not the 'masses'. They are the 'elites'! Compare the number of Nigerians who want to travel out to the number who actually do. You should agree with me that those who are doing well outside the country are not the masses.

The masses are the people I pass by everyday when going to town to shop for one thing or the other and I can't say they are as educated as they need to be. Even those that have degrees in Nigeria have not necessary learnt all they ought to have learnt before getting the degrees. Besides, university students in Nigeria are not the masses either, because the vast majority of Secondary School leavers do not get admission into Universities.

Believe me, if I was one of the masses, I will [i]not[/b] be running this site today. So the real 'masses' may bot be as well-to-do as you think.

[color=#990099]Ringo[/color] is a "full service telecommunications distribution company, specifically created to change the face of retail marketing of GSM, PTO and all telephony products and services through the development of Ringo Supershops pan-Nigeria."

The shops would sell "state-of-the art telephony products and services from all the wireless networks (GSM/PTO) and manufacturers of handsets/accesories including recharge cards and SIM cards" and provide a "world class shopping environment for the discerning consumer."

The company (Ringo Telecommunications Limited) seeks to "appoint franchisees and operators who would run these supershops in all the key commercial cities in Nigeria as an ongoing profitable venture".

What sort of franchise operators are they looking for?
[list][li]Individuals who have standard shops in major streets in key commercial cities/towns in Nigeria in locations that are "quite visible and enjoy excellent human and vehicular traffic", who are "willing to transform these shops to the Ringo franchise", with their branding and an exclusive contract to only sell products offered by Ringo"[/li]
[li]Individuals who are already selling telephony products (sim cards, recharge cards, handsets and accessories) in standard shops <snip> and are willing to take their shops to the next level <snip>.[/li]
[li]Individuals who have just acquired standard shops in prime locations and who have been seeking/waiting for the right platform to actualize their interest.[/li]
[li]Individuals/organizations who own or run chains of standard stores, either in one particular city or in different cities, and would be willing to partner with the Ringo Brand to bring their store chain into the Ringo franchise.[/li]
[li]Entrepreneurs looking for a profitable and low risk venture to invest their money in, who are willing to acquire shops/stores in good locations within Nigeria and manage their investment themselves <snip>.[/li]
[li]Housewives looking ro run a store close to their homes which they would manage themselves.[/li][/list]

What floor area does your shop need to be?
[color=#990099]Ringo Dream[/color] Shops: 50-60 square meters.
[color=#990099]Ringo Classic[/color] Shops: 28-35 square meters.
[color=#990099]Ringo Point[/color] Shops: 8-12 square meters.

What other jargon do they want you to know?
Ringo Business Model - the business model you wil have to follow if accepted.
Ringo Entrepreneur - A cool name to call yourself if they choose you!

What to send to the operators of the 'Ringoshop' scheme?
- A formal application stating your name, address, telephone number and email address.
- Educational qualifications.
- Your business locations with directions (how to reach your place).
- Dimensions of your store/shop.
- The kind of business you are involved in.
- Picture of the entire building with an arrow pointing to your store.
- Why you are interested in partnering with the Ringo brand.
- Who will be managing the business and her educational qualifications.
- If you do not own a shop/store at the moment, write to inform them about your passion to become a franchisee and the possible location of your intended shop.

[color=#990099]Ringoshop[/color] Franchisee/Operator Scheme Address:
Ringo Telecommunications Limited, PMB 21719, Ikeja.
Email: [email]franchisee@ringoshops.com[/email], [email]info@ringoshops.com[/email]
Website: www.ringoshops.com

Hope you find this useful!  Source: Page 42, The Guardian Nigeria, July 20 2005

See Also:
-> Who Fills Patrick Vieira's Shoes?.
-> John Mikel Obi: Which club and why?

It appears that none of us has recieved this 296 naira credit. Or is there someone else appart from rufaii who got the 296 naira credit on his phone?

[list][li]The Association of Licensed Telecommunications Operators in Nigeria (ALTON) has described the growing fears over certain GSM numbers associated with death, as a "complete hoax, from the telecommunications engineering point of view”.

Last week, a major controversy broke out in the country, particularly in Lagos, that receivers of calls from certain GSM numbers would faint or die.[/li][/list]
"It's all a big hoax" [by Sola Fanawopo Monday, July 26, 2004]

[list][li]A new Nigerian movie titled 'Abuja Lowo Wa' is currently being shot to unravel the genesis of the rumour ... the film will shock Nigerians when they realise that the rumour started from a mere failed business call received by an Abuja-based business man.[/li][/list]Balancing Act

[list][li]A Nigerian mobile telephone firm is seeking to quash a widespread rumour that users answering calls from two "killer numbers" have been struck dead on the spot.

Over the weekend Nigeria, Africa's most populous country, was gripped by reports that calls from the numbers 0802 311 1999 and 0802 222 5999 had slain subscribers who answered them.

"This is an absolute hoax ... ignore it," Emeka Oparah, a spokesman for V-mobile, the country's second largest GSM provider, said in a statement.

"We wish to state categorically that from an engineering point of view, it is absolutely impracticable, and there is no such record whatsoever anywhere in the world, that anyone has died or can die from merely receiving or making a phone call on GSM or any other telecommunications platform", it said.[/li][/list]
Smh

I hope I've helped to answer this question a little bit. I'd like to invite other members of this forum to tell gem whatever they can remember about the "killer GSM" rumor.

This following funny article by 'Apostle' John Sagai Adam deals with the issue in question:

~~~~~~~~~~~~~~~~~~~~~ <> ~~~~~~~~~~~~~~~~~~~~~~
            Do You Want To Die?
              By Sagai John Adam
~~~~~~~~~~~~~~~~~~~~~ <> ~~~~~~~~~~~~~~~~~~~~~~


Are you tired of living?
Are you bored with life?
Nigerians have created a new way to die.
Just call any of the Killer GSM numbers below.



-------------- [  ] ---------------

      THE LOGIC-DEFYING TALES

COUNTRY: Nigeria
TIME:    The past 3 weeks in July 2004...

1. Some people have been reported to have 
suddenly become ill (with blood oozing out 
of their ears), fainted, and <GULP> even 
slumped dead, JUST BY RECEIVING CALLS 
ON THEIR CELLPHONES.

2. These series of "incidences" have received 
a lot of attention in the print and electronic 
media.

3. Out of fear, some Nigerian have stopped 
answering calls from "unknowns" (numbers 
not stored in their phones).

4. A growing list of such "killer" numbers 
have been shown on TV. 


GSM Today has compiled the full list for you.

-----------------******---------------



Heard of 419? (a.k.a. Advance Fee Fraud)
Heard of "institutionalized" corruption?
Heard of J-J Okocha and Kanu Nwankwo?

Well, Nigeria has done it again...

The DEVIL is now a Nigerian GSM subscriber!

You can now call a satanic number and die in an instant.

Death is just one call away!



-------------- [  ] ---------------
  EVERYBODY WANTS TO GO TO HEAVEN, 
     BUT NOBODY WANTS TO DIE...

The killer GSM numbers scare is accusing 
some strange behaviour. 

For fear of death, 
>> Some have stopped using GSM Business Centres.

>> Some have stopped using their phones.

>> Some have memorized the numbers and have 
had to maintain a "RED alert" since then. 

>> Some smart souls have saved all the numbers 
in their phones with the name "EVIL".

>> Some have suggested that GSM should be banned! 

Oh dear.


Nigerians are supposed to be religious. Our 
President preaches regularly. Our churches 
are filled to the brim. We even kill each 
other in the name of God. 

Yet fear, not faith, has been the common 
reaction in the case of the satanic GSM 
numbers.  

-----------------******---------------



OSAMA VS. AMERICA 

If Osama Bin Laden gets his hand on the technology 
behind the GSM killer numbers, America is in trouble.


THE CIA VS. OSAMA 

If the CIA get the technology behind the GSM killer 
numbers, Osama Bin Laden is history.


SADDAM HUSSEIN VS. GEORGE W. BUSH 

If Saddam Hussein gets his hand on the technology 
behind the GSM killer numbers, George W. Bush is finished.


GEORGE W. BUSH VS. TERRORISTS

If George W. Bush gets his hand on the technology 
behind the GSM killer numbers, "the war on terror" 
is over.


<NAME WITHHELD> VS. ADAM OSHIOMOLE 

If a certain big, big, B I G, man in Nigeria (name withheld) 
gets his hands on the technology behind the GSM killer numbers, 
then the Nigerian Labour Congress President, Adam Oshiomole, 
won't see survive to organise any more strikes!



But, thank heavens, it seems only "satanic forces and their 
Agents" are the current owners, and only my fellow 
Nigerian compatriots are being attacked.

NIGERIANS! 
Long-suffering, 
always-suffering, 
used-to-suffering 
and now under attack by SPIRITUAL GSM TERRORISTS.



-------------- [  ] ---------------

      KILLED BY 0801 AND 0809?

Some of the GSM killer numbers are scientifically 
impossible to comprehend. The access codes of the 
4 Nigerian GSM networks are:

0802 - Vmobile
0803 - MTN 
0804 - M-Tel
0805 - Globacom Mobile 

So how come some of the killer numbers have "0801"? 
Some have "0809".

How was it switched? 
Which GSM network did it? 

Sudden Death Telecoms Nigeria Limited?
Die As You Go?
Death Mobile?
Satanic Network? 
Hell Com?

Someone said it is an indication of the very LOW 
LEVEL OF SCIENCE LITERACY IN NIGERIA. One of the 
TV stations showed a killer number that was a 
Vmobile number but had 15 digits instead of 11. 
How can that be?

>From a technical point of view these numbers 
are non-existent and shouldn't have even been 
put on screen. 

"Ah, but this is Nigeria!"
 
The Nigerian GSM networks are reaping the 
fruit of not educating their subscribers. 

After 3 years, no network has produced a single 
book, video, or TV program that educates its 
subscribers. 

(When we mean TV program, not Music, 
"HIP-Hop" shows. MTN, take note.) 

All they care about is our money.

One thing is sure: our 5 million IGNORANT GSM 
subscribers will continue to cause more havoc 
in the years to come. Every folklore, hoax, 
urban legend, myth, and tale-by-moonlight will 
find an eager and receptive audience here.

Today it is killer numbers and low-sperm count 
if you keep your phone in your trouser pocket 
(near your you-know-what.)

Tomorrow it may be something more damaging like 
reading satanic interpretations to the logos of 
the GSM networks! 

Sounds silly? Just wait.




-----------------******---------------



Your girlfriend left you.
She ran away with your best friend!
She took your cheque book, 
your gold watch, 
and 2 years of selfless love.
You are far more than "heart-broken", 
your heart was shattered to fine powder.

You want to end it all.

What luck! 
You can do it RIGHT NOW...
Death is just a phone call away!



-------------- [  ] ---------------

   THE SATANIC KILLER GSM NUMBERS

WARNING: THESE NUMBERS WILL K-I-L-L YOU

[By the way, jokes apart, 

"GSM Today", Wonderful Counselor Nigeria Limited and 
Sagai J. Adam does not assume responsibility for any 
illness, convulsion, fainting, vomiting, or even sudden 
death that may result from calling, texting, flashing, 
e-mailing or communicating with these numbers. 

YOU ARE OWN YOUR OWN.

Reading further means you have agreed to the above 
conditions.]



UNKNOWN KILLER NETWORK #1
-------------------------
0801-1100-555
0801-1113-999
0801-1119-966
0801-1122-999
0801-1123-999
0801-1129-999


VMOBILE
-------
0802-133-399
0802-2225-999
0802-3066-869
0802-3111-999
0802-3180-713
0802-3304-447
0802-5111-999


MTN
---
0803-2111-999
0803-3111-999
0803-3123-999
0803-3330-000
0803-3333-333
0803-3366-699


GLO
---
0805-5111-999



UNKNOWN KILLER NETWORK #2
-------------------------
0809-9301-11
0809-9991-113


-----------------******---------------



SAGAI JOHN ADAM DIALS THE SATANIC NUMBERS

Hello?
Hello?

Uh! Ah! Oh! Haaaaaaaa!
Oh my God...I must...I must...
Be...dead....?


-----


Is this heaven?
Silly question...since it is not hot...so...it can't be hell


-----


Wow!
Yippee! I made it!


But where is Father Abraham?



-----



Free at last!
I am free at last!

No more fuel price increases.


No more buying GSM recharge cards.


No more Anopheles mosquitoes.


No more going to the toilet.


Oh happy day! NO MORE TOILET.
  


-----



Okay, now what?


How do I finish my article, and send it out?
Are there CyberCafe's in heaven?

Where can I borrow a computer?

Oh Nigerians! Even in heaven I am still thinking of "borrowing".

P-O-V-E-R-T-Y  M-E-N-T-A-L-I-T-Y

:-)



-----



Do they use GSM phones here?
Oh my God! My new camphone didn't follow me up here!



-----




I hear there is no marriage here.


And no relationship with the opposite sex.

Died a bachelor...
...And now to live FOREVER as a bachelor in heaven?

This is not FAIR...oops!

(I hope God didn't hear that! 

GMC  [Grumbling, Murmuring and complaining] 
may not be allowed here o!)



-----




Are you still reading this?
Please stop...I am dead.



-----









-----







Still reading?
Shame on you! 
You should be mourning...





-----






The only way to handle you is to stop writing.

That's it, I am done.

I must go check out my Mansion...it had better be worth 
the wait o!

A mansion with no woman to share it with...

Its not fair.  O O O O O P S!

---

- GSM Today Ezine Volume 3 Issue 31 July 2004

Hello,

A recent (Guardian July 20, 2005) advertorial  by MCL Solutions Limited claims that Nigerian banks, in a desperate attempt to stay afloat, may be defrauding their customers by levying various excess charges.  They claim to have recovered sums as large as 560 million naira on behalf of their clients.

According to the advertorial, your bank may be defrauding you in one of the following ways:
[list]
[li]Calculation of Interest (charges payable to the bank) at an un-agreed rate[/li]
[li]Calculation of COT on funds reversal, returned cheque entry, transfer of money within the same bank, and other miscellanous charges which they are not supposed to charge COT on?[/li]
[li]Calculation of COT (Commission on Turnover) at a rate higher than your agreement with the bank.[/li]
[li]Calculation of interest on normal overdraft at the rate that's supposed to be used for excess overdraft.[/li]
[li]Backdating of transaction dates (e.g. overdraft due date) to extract more charges from the account holder.[/li]
[li]Allowing cheques from one account holder to hit her account as well as yours ( ).[/li][/list]

I guess this means we should take the time to double-check our bank charges to make sure we're not being defrauded!  Companies, especially, should be vigilant enough to do this since they could potentially lose millions.  The MCL people ([email=mscsolutionslimited@yahoo.com]email[/email]) want us to use their "banker software" for this purpose, though it can definitely be done with a spreadsheet or manual calculator.

Have you had any experience that confirms or contradicts the information contained in this advertorial?  Do you have any additional information that might enlighten us?  Please feel free to share what you have with the rest of us.

Thanks.

kazey: One thing that would attract one man is the same thing that would repel another man

Very true. For example, I'm the kind of person that simply doesn't appreciate the 'hard-to-get' game. I believe that if a lady wants a relationship she should go for it, otherwise she should simply say "I don't know, ask me again next month" if she's not sure or "no" if she's sure she absolutely doesn't want you. I find the idea that you should say "no" when you really mean "yes" absolutely ridiculous!