Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 5:14pm On Nov 22, 2021 |
AVAILABLEsirabbey: 7 seater leather seats made from hard mahogany wood comprising of
one 3 seater one 2 seater Two 1 seater
With 7 throwing pillows, Together all goes for N120K
Dining table with 6 sets of chairs N70K
Nicely finished Mahogany wood 6ft X 6 ft Bed with dressing mirror N120K
Nicely finished Mahogany wood 4ft X 6ft Bed with dressing mirror N90K
6ft X 6ft Orthopadedic special mattress N70K
4ft X 6ft Vono mattress N25K SOLD
Mahogany Wood Centre table + 4 side Stools N70K
1.5 Split Panasonic A/c (3pcs) N70K each
Fluffy brown centre rug N25K
Silver Grey Rug N20K
Elephant Pattern Rug N15K
20 Piece dining set N15K SOLD 6 piece freezer bowls with covers N6K
1500ml Clear glass jug N3K SOLD Soup mugs 4piece N5k
Black & Decker Blender N10k SOLD Party Food coolers 2Pcs N15k each Master chef soup Mugs 5pieces N7K 7 piece bowl set N5K
Contact 08028121790 on Whatsapp for other pics and pick up arrangements |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 5:08pm On Nov 22, 2021 |
AVAILABLEsirabbey: Available for sale in Lagos
Brand new Red wings Safety shoes (44) N40K
Plastic cloth spreader N15K
Ox Standing fan N20K
Marvel Sandwich toaster N10K SOLD
Siasho Sandwich Toaster (Japanese product) N15K
Pressure Cooker N20K
Grace Artisry Wall Clock N15K
Nikon Wall clock N7k
Rikon Wall clock N7k
Thermocool Microwave N40K
Children Plastic Wardrope (2pcs) N35K each
Thermocool Freezer N50K SOLD
Wooden book Shelf N20K
Children Plastic Chairs (2pcs) N1K each
32 inch LG TV N50K
Andrakk Rechargeable Fans (2Pcs) N15k each
Wooden Shoe Rack N15K
[s]Laser Jet Printer, Copier, Scanner (3 in 1) MFP Pro M130a N45K[/s] SOLD
Toughened Plastic Chairs (3Pcs) N5K each
Red winds Safety shoes (slightly used 43) 2pcs N20K
contact 08028121790 on Whatsapp for pixs and pick up arrangements |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 6:27pm On Nov 21, 2021 |
Availablesirabbey: I have the following hard copy Thrillers Novel for clearance sale.
Authors include
John Grisham
Tom Clancy
Scott Turrow
Stuart Woods
Linda Fairstein
Faye Kellerman
Danielle Steele
John Gilstrap
Christopher Reich
Michael Connely etc
Grisham and Clancy N700 each, All others N400.
Contact me on WhatsApp 0n 08028121790 if interested. |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 8:53am On Nov 20, 2021 |
AVAILABLEsirabbey: 7 seater leather seats made from hard mahogany wood comprising of
one 3 seater one 2 seater Two 1 seater
With 7 throwing pillows, Together all goes for N120K
Dining table with 6 sets of chairs N70K
Nicely finished Mahogany wood 6ft X 6 ft Bed with dressing mirror N120K
Nicely finished Mahogany wood 4ft X 6ft Bed with dressing mirror N90K
6ft X 6ft Orthopadedic special mattress N70K
4ft X 6ft Vono mattress N25K SOLD
Mahogany Wood Centre table + 4 side Stools N70K
1.5 Split Panasonic A/c (3pcs) N70K each
Fluffy brown centre rug N50K
Silver Grey Rug N30K
Elephant Pattern Rug N20K
20 Piece dining set N15K SOLD 6 piece freezer bowls with covers N6K
1500ml Clear glass jug N3K SOLD Soup mugs 4piece N5k
Black & Decker Blender N12k SOLD Party Food coolers 2Pcs N15k each Master chef soup Mugs 5pieces N7K 7 piece bowl set N5K
Contact 08028121790 on Whatsapp for other pics and pick up arrangements |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 8:38am On Nov 20, 2021 |
AVAILABLEsirabbey: Available for sale in Lagos
Brand new Red wings Safety shoes (44) N45K
Plastic cloth spreader N15K
Ox Standing fan N20K
Marvel Sandwich toaster N10K
Siasho Sandwich Toaster (Japanese product) N20K
Pressure Cooker N20K
Grace Artisry Wall Clock N15K
Nikon Wall clock N7k
Rikon Wall clock N7k
Thermocool Microwave N40K
Children Plastic Wardrope (2pcs) N50K each
Thermocool Freezer N50K
Wooden book Shelf N20K
Children Plastic Chairs (2pcs) N1K each
32 inch LG TV N50K
Andrakk Rechargeable Fans (2Pcs) N15k each
Wooden Shoe Rack N15K
[s]Laser Jet Printer, Copier, Scanner (3 in 1) MFP Pro M130a N45K [/s] SOLD Toughened Plastic Chairs (3Pcs) N5K each
Red winds Safety shoes (slightly used 43) 2pcs N20K
contact 08028121790 on Whatsapp for pixs and pick up arrangements |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 10:54am On Nov 18, 2021 |
Available sirabbey: Available for sale in Lagos
Brand new Red wings Safety shoes (44) N40K
Plastic cloth spreader N15K
Ox Standing fan N20K
Marvel Sandwich toaster N10K
Siasho Sandwich Toaster (Japanese product) N20K
Pressure Cooker N20K
Grace Artisry Wall Clock N15K
Nikon Wall clock N7k
Rikon Wall clock N7k
Thermocool Microwave N40K
Children Plastic Wardrope (2pcs) N40K each
Thermocool Freezer N50K
Wooden book Shelf N20K
Children Plastic Chairs (2pcs) N1K each
32 inch LG TV N50K
Andrakk Rechargeable Fans (2Pcs) N15k each
Wooden Shoe Rack N15K
Laser Jet Printer, Copier, Scanner (3 in 1) MFP Pro M130a N45K
Toughened Plastic Chairs (3Pcs) N5K each
Red winds Safety shoes (slightly used 43) 2pcs N20K
contact 08028121790 on Whatsapp for pixs and pick up arrangements |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 2:23pm On Nov 16, 2021 |
I have the following hard copy Thrillers Novel for clearance sale.
Authors include
John Grisham
Tom Clancy
Scott Turrow
Stuart Woods
Linda Fairstein
Faye Kellerman
Danielle Steele
John Gilstrap
Christopher Reich
Michael Connely etc
Grisham and Clancy N1k each, All others N500.
Contact me on WhatsApp 0n 08028121790 if interested.
|
Literature › Thrillers For Sale by sirabbey(op): 1:42pm On Nov 16, 2021*. Modified: 4:35pm On Jul 03, 2024 |
I have the following hard copy Thrillers Novel for clearance sale.
Authors include
John Grisham
Tom Clancy
Scott Turrow
Stuart Woods
Linda Fairstein
Faye Kellerman
Danielle Steele
John Gilstrap
Christopher Reich
Michael Connely etc
Grisham and Clancy N500 each, All others N200.
Contact me if interested. 1 Like
|
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 10:21pm On Nov 15, 2021 |
Available sirabbey: Available for sale in Lagos
Brand new Red wings Safety shoes (44) N45K
Plastic cloth spreader N15K
Ox Standing fan N20K
Marvel Sandwich toaster N10K
Siasho Sandwich Toaster (Japanese product) N20K
Pressure Cooker N20K
Grace Artisry Wall Clock N15K
Nikon Wall clock N7k
Rikon Wall clock N7k
Thermocool Microwave N40K
Children Plastic Wardrope (2pcs) N50K each
Thermocool Freezer N50K
Wooden book Shelf N20K
Children Plastic Chairs (2pcs) N1K each
32 inch LG TV N50K
Andrakk Rechargeable Fans (2Pcs) N15k each
Wooden Shoe Rack N15K
Laser Jet Printer, Copier, Scanner (3 in 1) MFP Pro M130a N45K
Toughened Plastic Chairs (3Pcs) N5K each
Red winds Safety shoes (slightly used 43) 2pcs N20K
contact 08028121790 on Whatsapp for pixs and pick up arrangements |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 9:18pm On Nov 15, 2021 |
Available sirabbey: 7 seater leather seats made from hard mahogany wood comprising of
one 3 seater one 2 seater Two 1 seater
With 7 throwing pillows, Together all goes for N120K
Dining table with 6 sets of chairs N70K
Nicely finished Mahogany wood 6ft X 6 ft Bed with dressing mirror N120K
Nicely finished Mahogany wood 4ft X 6ft Bed with dressing mirror N90K
6ft X 6ft Orthopadedic special mattress N70K
4ft X 6ft Vono mattress N25K SOLD
Mahogany Wood Centre table + 4 side Stools N70K
1.5 Split Panasonic A/c (3pcs) N70K each
Fluffy brown centre rug N50K
Silver Grey Rug N30K
Elephant Pattern Rug N20K
20 Piece dining set N15K 6 piece freezer bowls with covers N6K 1500ml Clear glass jug N3K Soup mugs 4piece N5k Black & Decker Blender N10k Party Food coolers 2Pcs N15k each Master chef soup Mugs 5pieces N7K 7 piece bowl set N5K
Contact 08028121790 on Whatsapp for other pics and pick up arrangements |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 10:02pm On Nov 11, 2021 |
Available sirabbey: Available for sale in Lagos
Brand new Red wings Safety shoes (44) N45K
Plastic cloth spreader N15K
Ox Standing fan N20K
Marvel Sandwich toaster N10K
Siasho Sandwich Toaster (Japanese product) N20K
Pressure Cooker N20K
Grace Artisry Wall Clock N15K
Nikon Wall clock N7k
Rikon Wall clock N7k
Thermocool Microwave N40K
Children Plastic Wardrope (2pcs) N50K each
Thermocool Freezer N50K
Wooden book Shelf N20K
Children Plastic Chairs (2pcs) N1K each
32 inch LG TV N50K
Andrakk Rechargeable Fans (2Pcs) N15k each
Wooden Shoe Rack N15K
Laser Jet Printer, Copier, Scanner (3 in 1) MFP Pro M130a N45K
Toughened Plastic Chairs (3Pcs) N5K each
Red winds Safety shoes (slightly used 43) 2pcs N20K
contact 08028121790 on Whatsapp for pixs and pick up arrangements |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 10:01pm On Nov 11, 2021 |
Available sirabbey: 7 seater leather seats made from hard mahogany wood comprising of
one 3 seater one 2 seater Two 1 seater
With 7 throwing pillows, Together all goes for N120K
Dining table with 6 sets of chairs N70K
Nicely finished Mahogany wood 6ft X 6 ft Bed with dressing mirror N120K
Nicely finished Mahogany wood 4ft X 6ft Bed with dressing mirror N90K
6ft X 6ft Orthopadedic special mattress N70K
4ft X 6ft Vono mattress N25K
Mahogany Wood Centre table + 4 side Stools N70K
1.5 Split Panasonic A/c (3pcs) N70K each
Fluffy brown centre rug N50K
Silver Grey Rug N30K
Elephant Pattern Rug N20K
20 Piece dining set N15K 6 piece freezer bowls with covers N6K 1500ml Clear glass jug N3K Soup mugs 4piece N5k Black & Decker Blender N10k Party Food coolers 2Pcs N15k each Master chef soup Mugs 5pieces N7K 7 piece bowl set N5K
Contact 08028121790 on Whatsapp for other pics and pick up arrangements |
Travel › Re: Canadian Express Entry/Federal Skilled Worker Program - Connect Here Part 11 by sirabbey(m): 7:51pm On Nov 10, 2021 |
PanicButton: Hi guys,
After my issued PPR, and with my VO being Ottawa:
1. Can I send to any Visa office for my COPR to be issued or must it be Ottawa. 2. Do I go straight to DHL to transmit the documents to the designated Visa office. 3. I see something about transmission fee on my letter. When is it to be paid, and how do I go about it.
I need help with the process. My location is Abuja. I would appreciate your assistance. Thanks. You ought to have read the letter accompanying your PPR properly. All the information you needed was stated there. In the letter you were instructed to send your Passport to the nearest VO to you, which in your case is either Accra or Lagos. Since Lagos VO takes longer, your best best is Accra direct through DHL. You will need to pay about 405 cedis for each passport sent, which covers both VFS transmission fees and courier service back to your house in Abuja. |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 10:10am On Nov 10, 2021 |
Available. contact 08028121790 on whatsapp for pics and pick up arrangement. sirabbey: 7 seater leather seats made from hard mahogany wood comprising of
one 3 seater one 2 seater Two 1 seater
With 7 throwing pillows, Together all goes for N120K
Dining table with 6 sets of chairs N70K
Nicely finished Mahogany wood 6ft X 6 ft Bed with dressing mirror N120K
Nicely finished Mahogany wood 4ft X 6ft Bed with dressing mirror N90K
6ft X 6ft Orthopadedic special mattress N70K
4ft X 6ft Vono mattress N25K
Mahogany Wood Centre table + 4 side Stools N70K
1.5 Split Panasonic A/c (3pcs) N70K each
Fluffy brown centre rug N50K
Silver Grey Rug N30K
Elephant Pattern Rug N20K
20 Piece dining set N15K 6 piece freezer bowls with covers N6K 1500ml Clear glass jug N3K Soup mugs 4piece N5k Black & Decker Blender N10k Party Food coolers 2Pcs N15k each Master chef soup Mugs 5pieces N7K 7 piece bowl set N5K
Contact 08028121790 on Whatsapp for other pics and pick up arrangements |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 10:07am On Nov 10, 2021 |
Available sirabbey: Available for sale in Lagos
Brand new Red wings Safety shoes (44) N45K
Plastic cloth spreader N15K Tv/sound system console N70k
Ox Standing fan N20K
Marvel Sandwich toaster N10K
Siasho Sandwich Toaster (Japanese product) N20K
Pressure Cooker N20K
Grace Artisry Wall Clock N15K
Nikon Wall clock N7k
Rikon Wall clock N7k
Thermocool Microwave N40K
Children Plastic Wardrope (2pcs) N50K each
Thermocool Freezer N50K
Wooden book Shelf N20K
Children Plastic Chairs (2pcs) N1K each
32 inch LG TV N50K
Andrakk Rechargeable Fans (2Pcs) N15k each
Wooden Shoe Rack N15K
Laser Jet Printer, Copier, Scanner (3 in 1) MFP Pro M130a N45K
Toughened Plastic Chairs (3Pcs) N5K each
Red winds Safety shoes (slightly used 43) 2pcs N20K
contact 08028121790 on Whatsapp for pixs and pick up arrangements |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 9:27am On Nov 09, 2021 |
7 seater leather seats made from hard mahogany wood comprising of
one 3 seater one 2 seater Two 1 seater
With 7 throwing pillows, Together all goes for N120K
Dining table with 6 sets of chairs N70K
Nicely finished Mahogany wood 6ft X 6 ft Bed with dressing mirror N120K
Nicely finished Mahogany wood 4ft X 6ft Bed with dressing mirror N90K
6ft X 6ft Orthopadedic special mattress N70K
4ft X 6ft Vono mattress N25K
Mahogany Wood Centre table + 4 side Stools N70K
1.5 Split Panasonic A/c (3pcs) N70K each
Fluffy brown centre rug N50K
Silver Grey Rug N30K
Elephant Pattern Rug N20K
20 Piece dining set N15K 6 piece freezer bowls with covers N6K 1500ml Clear glass jug N3K Soup mugs 4piece N5k Black & Decker Blender N10k Party Food coolers 2Pcs N15k each Master chef soup Mugs 5pieces N7K 7 piece bowl set N5K
Contact 08028121790 on Whatsapp for other pics and pick up arrangements |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 9:16am On Nov 09, 2021 |
Available for sale in Lagos
Brand new Red wings Safety shoes (44) N45K
Plastic cloth spreader N15K
Ox Standing fan N20K
Marvel Sandwich toaster N10K
Siasho Sandwich Toaster (Japanese product) N20K
Pressure Cooker N20K
Grace Artisry Wall Clock N15K
Nikon Wall clock N7k
Rikon Wall clock N7k
Thermocool Microwave N40K
Children Plastic Wardrope (2pcs) N50K each
Thermocool Freezer N50K
Wooden book Shelf N20K
Children Plastic Chairs (2pcs) N1K each
32 inch LG TV N50K
Andrakk Rechargeable Fans (2Pcs) N15k each
Wooden Shoe Rack N15K
Laser Jet Printer, Copier, Scanner (3 in 1) MFP Pro M130a N45K
Toughened Plastic Chairs (3Pcs) N5K each
Red winds Safety shoes (slightly used 43) 2pcs N20K
contact 08028121790 on Whatsapp for pixs and pick up arrangements |
Properties › Two Bedroom Serviced Flat At Ogba by sirabbey(op): 12:24pm On Nov 08, 2021*. Modified: 5:31pm On Mar 25, 2022 |
|
Career › Re: The Life Of A Millennial Looking To Retire At 40 by sirabbey(m): 5:38pm On Sep 21, 2021 |
BigCabal: The 34-year-old engineer in this #NairaLife made a career switch into oil and gas in 2014. Since that time, his basic salary has grown to ₦1.7m/month. Now, he wants to retire in six years with $1m in liquid assets. How does he hope to get there?
What’s your oldest memory of money?
My parents worked in the civil service and most of the people I grew up with were in a similar economic class, so I didn’t think there were rich people or poor people. I went to a government-owned school for my first three years of secondary school before switching to a private school for my senior secondary education in 2001. There, I learnt of my social standing. The first thing I noticed was that my school fees jumped from ₦200 to ₦14k per term.
My allowance was ₦50, which was little compared to what others had. What this meant for me was that I had to save for days to afford things some of my classmates could buy in an afternoon.
There was also some anxiety that came with this discovery. I avoided school parties as much as I could because I didn’t think I had the right clothes or shoes to wear. My three years at the school made it clear I had to make money in the future to bridge the gap.
Did you do anything for money during this time?
No, not really. I may have done one or two things for my family that fetched me money, but that wasn’t my objective and they were also far and in-between.
I left secondary school in 2003 and enrolled for my A-Levels programme, and the tuition was ₦100k. This experience was also a reality check. While there were people who were taking the classes and writing the exam to apply to schools abroad, there was me who knew I was going to a university in Nigeria. I didn’t even finish the programme.
Oh, why not?
I applied for and got into a diploma programme at a university in the southwest before the year ended, so I decided to go for it. It cost ₦210k, and my parents took a loan from their cooperative society to pay for it. A year later, I was offered provisional admission to study electrical engineering at the same university.
How did uni go?
I lived mostly on the allowance I got from my parents. It was ₦5k and came once a month. I also had family friends in the city I was studying in and got some money from them at intervals too. However, I wasn’t saving or keeping money aside because it was barely enough. But I survived university and won’t say I had a tough time with money. I graduated in 2009.
I was mobilised for NYSC in June 2010 and posted to a state in the south-south. I worked in a secondary school owned by the state government. I lived on less than ₦13k/month for the entire year — the federal government paid ₦9,775 and the state government paid ₦3k. Luckily, food was also ridiculously cheap in the village I was posted to. I could make a pot of soup with about ₦320. I wasn’t exactly saving because I wasn’t earning enough, but by the end of my service year, I had about ₦50k in my savings account.
How?
The 2011 election was the game-changer. I worked as an ad-hoc staff for INEC during the voter registration exercise and got about ₦30k from it. I also got about the same amount of money from working during the general election.
This wasn’t the last sum of money I made off NYSC.
I’m listening. After my service year, the federal government increased the allowance from ₦9775 to ₦19,800. My batch was eligible to receive payment arrears. I think they paid about six months arrears, which was good money to me, especially considering that I was at home and without a job.
Man, how long were you unemployed?
About three months. I got my first job in September 2011, as an engineer in an authorised repair centre for Nokia phones. My salary was ₦45k, which I thought was decent. I spent only four months there though.
Why did you leave?
One of my mum’s friends had a son who worked with a contractor that handled marketing for Nokia phones in Nigeria, and I was encouraged to apply for a job there. I did, and I got the job. Nokia was a flagship phone at the time, so there were lots of roles. I was hired as an in-store experience marketer. I was posted to a phone store to serve as a Nokia representative and market the phones to potential buyers. The job paid ₦90k.
That was twice what you earned as a phone engineer.
Yes, it was. At the end of my first month there, they transferred me to a North-central state, which was a bit of an inconvenience. There were no accommodation arrangements, and I had to figure that out myself. Guess what happened on the first night I got to my new station?
What?
I got a text from a bank I had applied to months earlier, inviting me to come for medicals. Man, I jumped on the first bus the following morning and left the town. I sent in my resignation on the same day.
I had to go to the bank’s training school first. This started in February 2012 and lasted for four months. They paid trainees ₦50k. However, my time at the training school was some of the best of my life. Unfortunately, my time as a confirmed staff of the bank wasn’t half as pleasant.
Why not?
Let me start with the good: I got a raise when I was absorbed into the bank’s workforce and my salary jumped to ₦208k. Subsequently, I was posted to the marketing department and had to find new customers for the bank. My department had an annual target of ₦4bn, and this was a drag on my life. In between finding new customers and retaining existing customers, my quality of life took a dip. At the height of it, my job satisfaction was low but the money was decent. Everything only made sense when my salary came in at the end of the month.
Thankfully, two months after I started work as a full-staff, a consulting company I had applied to months earlier reached out, inviting me to the final round of interviews. I got an offer letter from them in August 2012.
How much?
₦128k. Another pay cut, but I was only too happy to accept it. I was like, “If I’m not going to chase customers, pay me whatever you want.”
Haha. Fair enough. After my induction, I was posted to management consulting. After my first year, my salary was increased to ₦150k. This was also around the time I delved into my first side hustle.
Tell me about that.
I started saving ₦50k from my salary every month because I wanted to buy a car. I saved ₦400k in eight months. One of my friends had an uncle who did Cotonou runs and shipped cars into Nigeria. We went to Cotonou together, but my ₦400k couldn’t buy me any of the cars I wanted. The best deal I got that was within my budget was a 1993 Toyota Camry, and they were going to sell it for ₦600k.
I eventually bought a 2001 Mazda, and it cost ₦700k. Two of my friends loaned me ₦150k each to buy the car. But the trip opened my eyes to the possibilities of shipping cars in and selling them in the country. The opportunity to act on this came a few months later when a friend wanted to buy a car and I told him I’d handle it. I went to Cotonou myself and brought the car in. On that trip alone, I made ₦75k in profit. For context, I was earning ₦150k per month.
You made half your monthly salary in a day. Exactly. Omo, I started telling everybody I knew that I was selling cars. When this side business caught on, I was doing an average of two trips per month and making between ₦50k and ₦75k on each trip.
Interesting. How was it going with your day job?
I was now in my second year at the consulting company. One day, a former colleague who had left for an oil company called me and informed me that his company was recruiting. I didn’t put a lot of thought into it, but I applied and went through the entire process. I got an offer to start work in May 2014.
Whoop!
My basic salary was ₦650k, minus allowances. It would take me about six years to hit that number at the consulting company I was with. It was an easy decision.
I was hired as an instrumentation engineer. Basically, we automate the process used in bringing out oil and gas from the sub-surface.
The first payment I received from the company was an accommodation allowance. ₦22k per day for 90 days. And guess what? They paid everything at once. ₦1.98m landed in my account, and I hadn’t even done any work. It was the biggest lump sum payment I had ever received up until that point.
Subsequently, I was put on a trainee programme, moving around different on-shore facilities to work and learn about the job. Mostly, I was working for two weeks and taking the following two weeks off. My basic salary was ₦650k, but there was also some form of allowance payment every month. On average. I was earning up to ₦1m every month as a trainee.
Baller. I also saw an opportunity for my side business there. I told everyone I could that I sold cars, and the orders came in. They had a higher purchasing power than the guys at my former workplace, so they went for higher-end cars — mostly vehicles around the region of ₦4m – ₦5m. My profit on these deals were about ₦1m.
Interesting.
I graduated from my trainee programme in 2017 and was transferred to my first facility. I got a raise and started earning ₦1.2m. The constant allowance I remember from that time was my accommodation allowance. The facility I was working out of didn’t have great accommodation options, so the company paid me ₦250k every two weeks to make up for that.
And how has your salary evolved since that time? My salary has increased by at least 5% every year. At the moment, I earn ₦1.7m/month. But there are also a couple of allowances and bonus payments that come in during the course of the year. Everything I earn, including bonuses, stacks up to ₦25m – ₦30m per annum.
On the side, I invest heavily in cryptocurrency.
How did you get into crypto?
I grew out of the car business, so I started looking for something else I could do. I became interested in crypto in the early parts of 2020. I finally took the plunge in July when I bought one bitcoin for ₦4.5m. By the time I sold it, it was ₦4.9m. I made a profit of ₦400k on one trade.
Information is important when dealing with cryptocurrency, so I subscribed to every crypto subreddit I could find. And started doubling on my investments as much as I could. The more I got into crypto, the more I saw the possibilities. It’s been a game-changer, and it’s part of my retirement plan.
What’s your retirement plan?
I want to retire at 40 with $1m in liquid assets. I’ve decided that crypto could get me there, so it’s pretty much my side hustle now. At the height of the bull run earlier this year, I had about $210k in my portfolio. But the dip happened and I held on. The last time I checked, I had $90k, and I’m building it back up.
Man, how do you decide what coins to bet on?
Research. I do a lot of technical and fundamental analysis. With the fundamental analysis, I look at the coin, what problem it solves, and who the backers are. I’m not good at technical analysis, so I follow a lot of people who are. I look at their research and decide whether to invest in a coin or not.
I know cryptocurrency is volatile, so I’m not putting all my hopes on it.
What are your other investments?
I started investing in Eurobonds in 2018. I started with about $20k, and the ROI is 12% per annum. When Covid hit last year, I wanted to put more money in it, so I took a loan of ₦14m from work and topped the account up at ₦440/$1. The total value of my Eurobond investment now is about $60k.
There’s also my company stock. Employees get a 15% employee discount, and I’ve been putting some of the money I get into that too. My stock in the company is currently valued at $30k.
I have some landed properties in two states in the country, but I don’t put a lot of thought into this. I believe landed properties are not the best investment choice in Nigeria — inflation eats at every profit you can ever hope to make. But I have a 3-bedroom project I’ve been working on since 2014 and is valued at ₦40m and another piece of land that’s worth ₦8m.
All of this should bring my total investments across my portfolios to at least $180k.
That’s impressive. Let’s talk about your monthly running costs. What do they look like?
I’m not married, but I have a live-in partner and we have two kids together, hence the housekeeping expenses. I took a loan from work last year to invest in Eurobond, and it’s spread over four years. I’m not mad about it — I’m repaying the loan in naira and earning my ROI in dollars.
I also don’t save or invest in naira anymore. When I get paid at the end of the month, I take out my monthly running costs, convert the rest into dollars and put it into my range of investment.
I really want to know how your perspective about money has changed over the years. It has largely remained the same — money is a tool to get things. I acknowledge that and also understand that I need to stay hungry to make more.
Also, I don’t feel validation from owning things or splashing money on things I don’t need. I currently drive a 2004 European model car I bought for ₦1.5m. My annual rent is ₦500k. The plan is to keep expenses as low as possible and stack my bag up the best way I can. I’ve learned that money is like working out to grow muscles — you don’t get what you want in a day, so intentionality is key.
Looking at where you are in your career, how much do you feel like you should be earning?
For starters, I don’t feel underpaid. The next role I’m going into in my place of work should see my salary grow to ₦1.8m – ₦2m/month. I feel like I’m right where I should be.
Great. Is there anything you want but can’t afford then?
A Tesla maybe. I don’t think I can’t afford it, but it wouldn’t make sense to buy it when I’m living in Nigeria.
What about something you bought recently that required some planning?
I used my last phone — a OnePlus — for five years. The newest model came out earlier this year and I just decided to go for it. It cost me $1054. It didn’t require a lot of planning; I just had to think about it for a bit before I liquidated some of my investments in crypto.
I’m curious, when was the last time you felt really broke?
I can’t remember. I feel like I’m broke when the money in my account goes below ₦100k, and this hasn’t happened in a hot minute. Also, I know some money is available if I need to access it. I try as much as possible not to do it, but I could liquidate some of my assets if I badly need money. There’s some sense of security that comes with that.
On a scale of 1-10, how would you rate your financial happiness?
8. There’s no great need in front of me that I can’t afford. I’m also excited about my potential earnings and the strategy I’m putting in place to hit them. Life couldn’t be better, really. If I hit my $1m target by 40, this might increase to a 10.
Source: https:///39nGEim Very inspiring story. God has been good to you. I think you need to be a bit more generous to yourself (and your family maybe) Not necessarily indulgence in excessive luxuries but enjoy the fruits of your labour than just saving and investing aggressively. Life is too short and unpredictable to deny yourself basic luxury when you can actually afford it. I think retiring early is also a great idea. retire, travel the world and go after your passions. |
Family › Re: Mothers, How Do You Stop A Baby From Breastfeeding? by sirabbey(m): 8:09am On Sep 20, 2021 |
Lamanii22: I'm still thinking about this eehn... Cause my baby has over sucked me sef, she won't eat her cereal, and she's eight months old already... she literally cries whenever we feed her... I don't know how I'd do it ... 8 months is too early to wean, considering the natural immunity breast milk provides to babies, I think every child deserves unhindered access to breast milk for at least 12 months and at most 18 months after which you can wean the child. When we are babies, some of our mothers breastfed till the baby is 3years old, yes 36 months straight  . so trying to wean an 8 month old baby is harsh in my opinion. |
Business › Re: Full Statement Of Godwin Emefiele On AbokiFX (Video) by sirabbey(m): 10:47pm On Sep 18, 2021 |
Frezhkid10: You have refused to see the point here… I work with a company that imports drugs and market..we get our dollars directly from the bank…but when determining selling price we use black market rates…and where do we get this rates from Abokifx.com…we don’t have any dealings with BDC… What your company is doing is one of the problems killing the Naira. After sourcing your FX from Bank at the official CBN rate, you turn around and fix the price of your drugs using the parallel market rate on Aboki FX (rather than the official rate you got your FX) which is significantly higher just so you make unethical profits. That is unpatriotic and inflicting hardships on ordinary Nigerians buying your drugs. |
Business › Re: Full Statement Of Godwin Emefiele On AbokiFX (Video) by sirabbey(m): 10:10pm On Sep 18, 2021 |
If what Meffy said is true, then AbokiFX is the George Soros of Nigeria. The same way George Soros bet against the GBP to the DM and make a kill in 1992, is the same way Segun Oniwinde has been cashing out by selling FX in Nigeria after manipulating its exchange rate to suit his profiteering. The only difference is while the Bank of England cut his losses and George Soros attained a cult-like hero, the CBN is hunting for the head of Segun Oniwinde. Even if Oniwinde manages to escape the CBN trap in Nigeria, his duplicitous business dealing will put him in trouble with the UK financial regulators as he has been underreporting his business revenue while cashing out silently in hard currency from a UK ATM.
This is a seasonal film the end has not been heard of this blockbuster. Meffy is frustrated, he inherited Naira at 155 to the Dollar and in about 7 years of his superintending over Nigeria's Economy policy, the Naira has lost so much value that it is now 570 to the Dollar on the parallel market. |
Family › Re: We Quarrel Because Of Sex by sirabbey(m): 4:17pm On Sep 10, 2021 |
Gobdddd: Strickly for the married
Good evening tweeps, my marriage is jerking. Needs a quick solution.
We married 9years ago. She was a virgin in my Church. I am a pastor too. Though we were not in the same state. She was the first woman I had sex with after our marriage. But I noticed that she has no interest in anything called sex. She will not deny me sex, but I do not enjoy it because she's not enthused to it.
I have tried all I could to make her love sex, but all to no avail. If you do not demand for sex, she'll not show any interest, even if you stay one year without talking about it. And I am 100% sure that she's not seeing any man anywhere.
I took my time to educate her from the little research I made, but she wouldn't pay any serious attention.
I querried myself as to wether I do not satisfy her, on another point, sometimes, I'd last for 10-15 mins which, according to research is not bad.
Last night, I got angry at her attitude towards it. To me, she just try to open legs for me to satisfy myself and get down.
This has affected my psyche towards her. But apart from her low libido, she is a very wonderful and good woman to be with.
So, last night, I opened up to her once again and told her she's making me to think twice and that am not happy at her actions.
Since today, our relationship has dwindled.
Alot of things have been going through my mind.
I don't know what to do. Am confused. I can't go to another woman and leave such a good woman that have given me 4 kids.
Pls is there any known solution?
I need help. She may have been cut. I mean she may have been circumcised while young and when the female clitoris is cut during Female Genital Circumcision FGC, she will find little or no pleasure in sexual activities, no matter how hard you tried. If this is not the case however, you may need to see a sex counsellor or Sex Therapist who is equally a christian to guide you on how to spice up your sexual lives. But no matter what you do, do not allow sex or lack of it to ruin the good relationship you have with that good woman you have. This too shall pass. |
Travel › Re: Living In Canada/Life As A Canadian Immigrant Part 2 by sirabbey(m): 12:37pm On Jul 09, 2021 |
Jerryjack022: Please which day did you take your last dose for the vaccine as I wanna be sure if someone can travel immediately after the second dose.
Thanks! You can travel immediately you take the 2nd dose of the vaccine but you are only deemed to be fully vaccinated 14days after taking your 2nd dose vaccination. In essence, if you want to avoid mandatory hotel quarantine, you have to wait for 14days after taking your 2nd dose to enjoy that priviledge. |
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Travel › Re: Living In Canada/Life As A Canadian Immigrant Part 2 by sirabbey(m): 8:42am On Jun 22, 2021 |
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Travel › Re: Citizenship. Which Should I Choose Between Nigeria Vs Cameroon by sirabbey(m): 7:16pm On Apr 18, 2021 |
Elgorny: Hi nairalanders. I'm about to do my international passport, and totaly i'm confuse, i spent much time searching on google for weeks i'm yet to decide what is best for my future, is not easy to make such decision. That's why am here to seek an advice from public, i'm in my early 20's with nigeria being my country of birth, and also eligible to be citizen of cameroon through my parents who are 100% cameroonians based in nigeria for almost 3 decades, we recently travel to cameroon, i love the place and the people are friendly, very organize country with law abiden citizen. What i noticed in my short visit to cameroon. One can't even buy bus ticket without cameroon national identity card, or lodge in a hotel, or rent a house without idendity card, for foreigners, they must provide all necessery document in order to be issued ticket, is very rare to hear the indigines discusing politics publicly no tribalism no religions sentiment, and its citizen has the equal right Irrespective of tribes, I have been to Cameroon in recent time, and I can tell you that with all its problems and warts, Nigeria is still light years ahead of Cameroon. Cameroonians are docile, intimidated, and caged, so much so that they can not stand up against the misrule of emperor Paul Biya aka the force of experience that has kept Cameroon underdeveloped for the past 40years and more. Simple things as bank transfer on mobile which is taken for granted in Nigeria is rocket science in Cameroon. In terms of infrastructure, Cameroon is still in 1970s compared to Nigeria. If you are forward-looking, go for Nigeria Passport, it is not the best in Africa but it is by far better than the Cameroonian passport except of course if France is your eldorado and ultimate, then you may go for the Cameroon Passport. |
Romance › Re: Marrying A 35-Year-Old Lady by sirabbey(m): 11:29am On Apr 10, 2021 |
Eval123: she is already aware of my real age, though she wasn't too cool but then the love we share still makes her stay back. she still wants to wait for me if I won't disappoint her later.. and for the 5 years thing, I don't have any means of income currently else I would have done that. cause outside the love, we are very compatible Let her go. The age thing matters to you, irrespective of how much you try to convince yourself otherwise. A man's greatest need in relationships and marriage is respect, but in most marriages, the woman will disrespect the man as it is natural for them to do when they are angry but you will feel the disrespect more because of the age difference, It will be difficult for you to overlook or disregard the disrespect like other married men because of the age difference. You will think it is a deliberate act borne out of the age difference. A woman on the other hand feels respected once she is loved or shown love. So while it may be easier for you to love her, I hope you will not feel excessively hurt when the disrespect starts to show in the relationship. |
Jobs/Vacancies › Re: Should He Accept The Job Offer Or Not? by sirabbey(m): 7:40pm On Apr 05, 2021 |
Godiswithmee: Good day nairalanders,
Someone close to me is in a state of dilemma and needs advise.
He has been a contract staff in one of the leading commercial banks in Nigeria and was recently converted into a full staff. The issue now is he has been deployed from South West to extreme North (Maiduguri). He has tried every means to get redeployed but all efforts proved abortive.
Considering the fasting rise of unemployment in the country, he feels it's unwise to reject the offer. Still, he's in a state of dilemma.
Should he take the job offer, even though national security is at the lowest there?
Please advise.
Please feel free to reach out if you have any contact that can help, I'll be in the comment section.
Dear Mods, please kindly push to the front page. If it were to be Maiduguri of 2009 or earlier, then by all means, he should go but Borno state of today especially since 2019 till date is like a war zone, even the Prof. Governor of the state has cheated death twice on account of Boko Haram attacks in less than 6 months interval inspite of his heavy security entourage. The question is how much priority do you place on yourself and your life. The same people who transferred you there will never accept such posting. My advice is that, thank the HR guys for the conversion to full staff, also tell them in writing that due to security concerns, you can not take up the Maiduguri posting and finally ask alternative posting. Once it is in writing, HR will sit up and consider it professionally within the company 's policy and considered your concerns, but if they reply in writing and insisted that it is either Maiduguri or you take a walk. Kindly take a walk, your life is not valued in that organisation and if anything happens to you, you will be replaced in a twinkling of an eye. 5years time, you will look back and pat yourself on the back for not selling yourself short. It is not all jobs that is for you, Sometimes you have to walk away from good jobs to get better onces, talking from experience. May God guide you and be with you. |
Culture › Re: Okenegoro: Sex Slavery In Cross River State (money Wives) Public Eye Episode 5 by sirabbey(m): 10:16pm On Apr 02, 2021 |
bukatyne: How do you sell a child for N2,000 ??
What kind of madness is this?
Use an unborn child as a collateral for debts?
Oga lender, how does sleeping with the girl recover your money back?
What exactly is the thought process of the people there?
Some things humans do baffle the devil. Unfortunately, practices like this date back to the 14th century or earlier even in Yoruba land, we have eru and iwofa (slave and a person hired out to another person to work for a period of time in order to pay back debt) Culture being dynamic saw the eradication of this barbaric practice by 18th to 19th century. The annoying thing is that 200years after the abolishment of slavery and iwofa, a section of Cross Riverian still manage to hold on to this practice even in the 21st century. How resistant can a people be to civilization and decency? |
Culture › Re: Okenegoro: Sex Slavery In Cross River State (money Wives) Public Eye Episode 5 by sirabbey(m): 10:06pm On Apr 02, 2021 |
Blue3k: Souce: https://crossriverwatch.com/2020/12/funmi-iyanda-surveys-sex-slavery-in-cross-river-state-on-episode-5-of-public-eye/amp/ This is a sick and disgusting cultural practice. It commoditized the female child and violates her basic human rights but unlike what other commentators said, I do not think the use of force or police can eradicate this terrible cultural practice. At best police intervention will only drive the practice underground making it difficult to prove, prosecute or even report while it will continue to thrive underground. The solution I see here is re-orientation and education of the custodians of this evil practice. Imagine one of the victims said 3 men and a woman held her down against her will to be sexually violated by another man because she had been sold off to pay a debt. Why will a woman do that to another female, knowing the trauma inherent in rape and sexual assault? The custodians of this evil practice needs their darkened mind illuminated with the light of knowledge and education. only then will this practice begin to die slowly and eventually be eradicated. |
Technology Market › Re: House Clearance Sales.. Come In Here!!!! by sirabbey(m): 11:51am On Mar 24, 2021 |
Still Availablesirabbey: Still available..... |