₦airaland Forum

olatade:
https://www.thecable.ng/just-in-cbn-to-implement-new-atm-transaction-fees-from-march-1/

On top your own money for ATMs that are not working.

Golan007:
2 British ex-spies he is too chicken to name.

But he can name the journalists 😅😅😅

omowolewa:
There is no price war

There's no price war. Besides NNPC retail stations will still be selling cheaper.

otipoju:
What Mikel Obi has won in his life and the stages he had played on makes him a huge success.

He was so integral to Chelsea that he played over 10 years for several coaches in the same defensive Midfielder position.

That position is so so important to any team that Man City suffered greatly in Rodri's absence.

Stop hating.

Sanchez is making school boy errors in an elite division. Jackson will miss eight chances before scoring one.

Both of them are not reliable and have to be dropped.

In Obi's time at the club, most managers that didn't play him ended up failing. At least before he got older.

mannobi:
With the preparation for the AFCON 2025 edition in full gear, African countries have now known their opponents in the biennial contest.
Nigeria, a finalist in the last edition will be hoping to consolidate on their silver medals as they are drawn in group C along familiar north African foe (Tunisia).
Here is the breakdown of the groupings.
2025 AFCON FINAL DRAW ⚽

Group A
Morocco 🇲🇦
Mali 🇲🇱
Zambia 🇿🇲
Comoros 🇰🇲

Group B
Egypt 🇪🇬
South Africa 🇿🇦
Angola 🇦🇴
Zimbabwe 🇿🇼

Group C
Nigeria 🇳🇬
Tunisia 🇹🇳
Uganda 🇺🇬
Tanzania 🇹🇿

Group D
Senegal 🇸🇳
DR Congo 🇨🇩
Benin 🇧🇯
Botswana 🇧🇼

Group E
Algeria 🇩🇿
Burkina Faso 🇧🇫
Equatorial Guinea 🇬🇶
Sudan 🇰🇼

Group F
Ivory Coast 🇨🇮
Cameroon 🇨🇲
Gabon 🇬🇦
Mozambique 🇲🇿

OP check again...... Is it group B or C?

mubarak89:
Hi NLanders.

Please what drugs can I take to grow a bit fatter?

I am too skinny and I dislike it.

Any helpful advice will be much appreciated.

If you are really skinny, Nothing you eat will really help if you don't combine it with high intensity exercise. Gaining weight is actually not easy.


Good food and the right exercise. Besides gaining muscle mass is much healthier than gaining fat.

All the best.

Sapasenator:
Hello Nairalanders,

I am completely lost and need advice. My name is Olumide Adeyanju(Not my real name), and I’m a 42-year-old civil engineer based in Lagos. I’ve been married to my wife, Tola, for seven years. We have a son together, Jidenna, who is five years old. Our marriage hasn’t been perfect, but I thought we had something solid—until recently.

When I met Tola, she was a divorcee. She told me her first marriage to a man named Dapo Olatunji ended after three years due to irreconcilable differences and I believed her. According to her, Dapo had anger issues and was overly controlling. She said she left the marriage to protect her mental health and focus on building a better life for herself. At the time, I admired her courage, and we built a beautiful relationship.

Last month, everything changed. Tola and I were invited to a wedding in Lekki. As fate would have it, Dapo was also at the wedding. It was the first time they were seeing each other in nearly 10 years. I noticed they exchanged pleasantries, and while it seemed cordial at first, something about the way they looked at each other didn’t sit well with me.

In the weeks that followed, I started noticing subtle changes in Tola’s behavior. She began acting distant and spending more time on her phone, often smiling at her screen like a teenager in love. When I asked her what was going on, she brushed it off, saying it was just "work stress."

Then, two weeks ago, I came home early from work and found her on a video call with Dapo. She didn’t realize I was home, so I overheard parts of their conversation. They were laughing and reminiscing about their past together—things like how they used to travel to Abuja for weekend getaways and the time he bought her a surprise gift for her birthday. It felt like I was intruding on a private moment between lovers.

When I confronted her, she admitted that she and Dapo had been talking regularly since the wedding. She claimed it was "nothing serious" and that they were just "catching up as friends." But I don’t believe her. Her behavior has changed so much. She’s more secretive, and I even found out she met up with him last Saturday without telling me. She said it was a "closure" meeting, but why does she need closure after all these years?

Now I’m stuck. I love Tola, but it feels like her heart is being drawn back to Dapo. I’ve spoken to my elder brother, Kunle, and he thinks I should stand my ground and fight for my marriage. But my best friend, Tunde, says I should let her go if she’s already emotionally checked out.

I don’t know what to do. Should I confront Dapo directly? Should I give Tola an ultimatum to stop talking to him? Or should I quietly walk away and let her decide who she really wants to be with?

Please, Nairalanders, I need your honest opinions. Have you experienced or heard of a situation like this? How do I handle it?

It seems you are waiting for her to cheat before you take action

Realdeals:
I used GT Naira card on Temu and Opay on AliExpress

Oh really.... Does Opay issue cards?

What was their exchange rate like?


Also, do you think Palmpay will work?

Realdeals:
No wonder AliExpress and Temu now process naira transactions on their portal.

Are you able to make payment? How did you go about that?

IyaTola:
I understand your frustration!

Firstly, a 200% rent increase is quite steep. Here are some steps you can take:

Negotiation
1. Review your lease agreement: Check if there's a clause that stipulates how rent increases should be handled.
2. Talk to your landlord: Schedule a meeting to discuss the rent increase. Be calm and respectful.
3. Propose a compromise: Suggest a more reasonable rent increase, citing market rates or your financial constraints.

Seeking Assistance
1. Tenant associations or unions: Reach out to local tenant organizations for guidance and support.
2. Housing counseling agencies: Non-profit organizations that provide free or low-cost housing counseling.
3. Local government agencies: Contact your local housing authority or consumer protection agency.

Legal Action
1. Consult a lawyer: If negotiations fail, consult with a lawyer specializing in tenant-landlord law.
2. File a complaint: If your landlord has violated the lease agreement or local laws, file a complaint with the relevant authorities.
3. Court action: As a last resort, take your landlord to court. Be prepared to provide evidence and witnesses.

Other Options
1. Look for a new place: If the rent increase is unsustainable, start searching for a new apartment.
2. Consider a rent subsidy: If you're eligible, explore government programs or non-profit organizations that offer rent subsidies.

Remember to document all communication with your landlord, including dates, times, and details of conversations.

Take a deep breath, and may the odds be ever in your favor!

Copy and paste from ChatGPT

press9jatv:
Why driving in top speed when you are still mourning your mum. The late son really caused this accident here

The report is confusing but I think the boy who died lost his grand mother and the governor lost his mother.

004gist:
Yaraduah was sick and couldn't do much but reserve grew to over 68 billion dollar at that time.

During GEJ reserve shrink a little probably due to 2008 global economic meltdown. But we soon experienced boom in oil sale but i believe GEJ didn't not plan to save.... And likewise debt climb a little to 10 billion dollars.

Buhari was a disaster entirely as at 2023 at the end of his tenure we accumulated $43.2 billion foreign debt.

You can see the difference..

Today our debt in foreign currency to foreigners is over 70 billion

Reserves shrank a little under GEJ? I see what you did there.Did it only shrink or didn't he proceed to sharing the money in the excess crude account after trying to spend it behind the governors backs.

Yes GEJ neither saved or invested well. He just kept on drawing up plans of what should be done.

PMB spent money on mostly the wrong things hence we didn't see tangible growth. A major disappointment was his inability to fix all refineries within his first tenure.


I think we often downplay the part whereby the stupidity of previous governments makes it harder for any future administrations to achieve anything tangible.

004gist:
Above is the highlight of Obasanjo administration that of Tinubu is right before you i believe u are also feeling it

I asked for what happened in between. Yar Adua, GEJ, PMB.

004gist:
Obasanjo is the greatest...

He came in, saw a debt of 36 billion dollars.
Oil price was 11 dollars.
Debt servicing was 3.7 billion yearly
Foreign reserve was 3.5 billion.

By the time he left in 2007

Debt of 18 billion dollars has been paid.
18 billion was forgiven.
22 billion saved in excess crude oil saved
50 billion foreign reserve.

Note : over 70 billion+ dollars saved. If you add it with 18 billion.. Almost 90 billion Obasanjo generated and saved from savings we paid our debt.


Now APC has been in power for 10 years now.

Search where we are. Be the judge

We can safely conclude that there has been massive stealing going on cos i don't understand now oil is selling for 70 dollars plus

You can also educate us what happened between Obasanjo and BATs administration.

alanto:

Money sharing keep these people together.
The other day this guy was cussing Tinubu policies

When and where?


Last I remembered, he ensured there was no protest in his state through his LGA Chairmen when people wanted to protest against BAT.

SoftSport:
Traveling from Nigeria to Finland requires a detailed budget plan that includes airfare, visa application fees, accommodation, transportation, and other travel expenses. Here’s a breakdown of the estimated costs:

1. Flight Costs
Round-trip Flight: The cost of flights depends on the season, airline, and booking time. On average:
Economy Class: ₦500,000 – ₦1,200,000.
Book early to secure cheaper fares.

2. Visa Application
Schengen Visa Fee:
Adults: €80 (~₦72,000).
Children (6-12 years): €40 (~₦36,000).
Children under 6: Free.
Service Fee (VFS Global or Embassy): Approximately ₦15,000 – ₦20,000.
Additional costs for document notarization, translations, or courier services: ₦10,000 – ₦30,000.

3. Travel Insurance
Required for Schengen Visa.
Approximate cost for a short-term plan (1-3 months): ₦15,000 – ₦30,000.

4. Accommodation Costs
Hotel Stay:
Budget hotels: €50 – €100 per night (~₦45,000 – ₦90,000).
Average monthly rent for budget travelers (Airbnb/shared apartments): ₦300,000 – ₦600,000.
Ensure a confirmed booking to support your visa application.

5. Transportation in Finland
Public Transport:
Monthly transport card: €50 – €100 (~₦45,000 – ₦90,000).
Single ticket: €2.80 (~₦2,500).
Taxis:
Base fare: €5 – €10 (~₦4,500 – ₦9,000).
Per kilometer: €1.50 (₦1,350).

6. Daily Expenses
Food:
Dining out: €10 – €20 per meal (~₦9,000 – ₦18,000).

Cooking your own meals: €150 – €300 monthly (~₦135,000 – ₦270,000).

Miscellaneous:
Tours, shopping, and activities: €100 – €300 (~₦90,000 – ₦270,000).

7. COVID-19-Related Costs (if applicable)
PCR Test in Nigeria: ₦40,000 – ₦70,000.
PCR Test in Finland (if required): €100 (~₦90,000).

8. Miscellaneous Expenses
Passport renewal (if needed): ₦30,000 – ₦50,000.

Contingency fund for emergencies: ₦100,000 – ₦300,000.
Total Estimated Budget (1-3 months stay):

Low-End: ₦1,200,000 – ₦1,800,000.
Mid-Range: ₦2,000,000 – ₦3,500,000.
High-End: ₦4,000,000 and above.

This budget estimate depends on personal choices and travel style (e.g., luxury vs. budget).

If you’re traveling for education or work, consider additional fees like tuition or work permits.

These your responses too resemble chatgpt for my eyes oh

Tayorshd87:
Armed robbers or higher killers that police might have shot during operation or so.

That's why d law was probably passed then

What of people shot by armed robbers or armed milita groups?

TenQ:
1. Too bad, you bought a TOY
2. Sellers of Inverters will sweet talk you into bad purchases
Let me break it down for you
1. Your One Panel 18V 30W:
Means that if the efficiency is 100%, as long as the sun is up, the maximum load it can carry is 30W between 9am and 5pm (8 Hours)
If there is no NEPA (Mains Electricity), it means you can use 60W of power for 4 Hours OR 120W for 2 Hours
2. Your battery capacity of12V 12AH Lead-acid battery
Mean that at full capacity, it can store at 100% efficiency 144W of Energy
it means that at best you can use up to 144W of Energy for 1 Hour OR 72W of Energy for 2Hours
3. Your Inverter of 220V 150W.
Mean that at 100% Efficiency, you cannot plug loads up to 150W without blowing up the inverter. This is the maximum power you can draw from it if your battery capacity will allow it.

Now, you are driving it with a load of 95W OX fan
Laptop at 65W

Let me shock you that the efficiencies of solar panel that is properly optimised is less that 50% from the rating
Your Battery can have 80% Efficiency only when brand new, as you use it (especially when overloading it) the efficiency can drop to 40%

So, don't use your inverter for your fan or laptop, restrict it to giving you lights at night.
Don't even bother augmenting with extra panels or batteries because it will still waste your money



Recommendation: Even though costly
1. Two Deep cycle Batteries of at least 200AH capacity
2. Three to Four Solar panels
3. Charge controllers rated for the four panels with a power not less that 1200W
4. Inverter (Sine Wave) of at least 1500W (Much higher is better)
Less is a waste of investment

My Small Advice!

What set up will you recommend for a solar system expected to carry a freezer.


Is a 12 volt system okay or minimum or 24volt

WilsonBright935:
To rectify spelling errors, go to the organisation that made the error and lodge a complaint about the error. If they can't rectify it, ask for their advice, don't just go to court to do affidavit for spelling errors, it won't shock if some places don't reckon with whatever court affidavit you're holding

In my case, birth certificate and LG Certificate of Origin carries Olusola as first name but all other documents carry Olushola.

Also no middle name in NIN and International Passport. Is this also an issue.


How do you advise to rectify these.

How many percent of the working population are state employed civil servants?

WilsonBright935:
Forget, I'm in the UK. Studying and working with the NHS. Offered admission into 2 different schools and I picked the best one for me.

Name arrangement is not a problem. Spelling errors, using initials are.

They'll even rearrange your name for you at work.

So what's the approach for rectifying spelling errors?

Mrfeel:
If igbos could dominate other tribes in their own region when it comes to trade , do you think those tribes will stand a chance in south east?

With all the industries existing in Nigeria, you expect other tribes to be in the southeast for the sole purpose of trade?

I still feel you are avoiding the main issue.

What are the values the SE can use to attract other regions?

Mrfeel:
There is no reason to be worried, majority of igbos are traders and they take their trade everywhere they can

You barely addressed the issue. Truth is majority of all tribes in Nigeria are traders. Igbos only stand out because of their master, trainee relationship.

Did you reason why other tribes may seem to be least likely to be in the southeast also?

Mrfeel:
A huge population of SE live outside of south east, to still have such numbers in south east is impressive

This is actually disturbing and not encouraging. If a region struggles to harbour both outsiders and it's people then there's a good reason to be worried.

I just hope there are other excuses that can be provided.

Ty207:
Do you mean 1200w cos I don't think there is any freezer with 120w which is equivalent to 2bulb

Huh?

Faithings:
I look skinny. I admire people whose physique show average flesh. The fact is that I am not naturally a skinny person. This means I can actually gain weight with the right food consumption. However, I don't really know the right choices to booster my wish. Experience people in this community, put me through, maybe someone out there too.

Protein, some fats and lots of exercise. The exercises are probably more important than the food.

fullclub:
This is a rejoinder because i felt that if i dont give an account on how it ended it won't be nice.
Here is the other or first thread about my complaint and how i found it difficult to adjust and meet up my financial obligations in uk.
https://www.nairaland.com/7889678/experience-uk-since-japa-warning

I want to thank all those who advised me to stay back and fight it through. After reading those positive comments and some friends here i decided to stay back.
Today i want you all to join me celebrate as i have graduated from the University here and my graduation is coming up November 29th 2024.
It was not an easy journey honestly at first i thought it will be impossible to complete my studies giving the fact that school started mounting pressure on me shortly after i decided to stay back.

I got first job December/January but honestly it couldn't sustain house rent. So i had to sell some properties in Naija to remain afloat, Then stopped the job i was on when i got another one and the pay was sustainable but lost that one after few months. Then my dependant who came leta got a job and together our finances could now sustain and also clear fees balance.
The property I sold enabled me to clear some part of school fees because that is the main burden to student aside rent


Lessons learnt so far:

1) To all folks planing on japa via school should make adequate preparation, do your planning/home work well because the first 6 months in UK is not for the faint hearted. On the aspect of school feee ensure you have plans on how to get it cleared as fast as possible.


2) If you don't know how to drive please and please learn it. You don't need to have a car before u learn. Learn now... Like now its a skill that is valuable in all field.

3) Again if you plan to japa now or in future, please know thar driving or knowing how to drive is a skill its self.

4) It is quite expensive to learn how to drive when u leave Nigeria. You can spend over 5m to learn how to drive in UK.

5) Buying a car is far cheaper as a month rent is enough to get you a modern car.

6) Having a car and a driver licence will open doors for you that are impossible to open

7) No one (Nigerians) borrow or lend any money in the UK.. I mean reasonable money like 100, 200 etc. Although u could get credit card. I mean abeg borrow me this money i go pay back so soo time.

life could be lonely amongst the Nigerian communities as everyone is chasing money. But is life fun for British? Yes the British like a fun filled lifestyle. We dont club 1/10th in Nigeria like they do here but can you foot the bill like a newcomer in town?

9) it takes an average of 3 months to 4 months to get a job. Soo I will say there are jobs especially for those who have previous experience in a field. The more experience u have the better and faster u are to get jobs.

10) don't learn automatic driving leaving manual. Please learn manual car driving then u could learn automatic. 80% of cars here are manual. U can see 2020 manual car model everywhere

11) you could use public transport to get to a place in 2:30hrs whereas same place will take u 13 minutes or less with your private car.

12) food is crazy cheap but house rent is not cheap. So staying in remote places could safe u more assuming u have a car to get to place of work.

13) if you are coming its good to have 1000 pounds set aside to learn skills thay could land u job easily. This skills and certification are just few weeks to achieve.

14) learn to network with those on ground. They already know or have some job connections hidden that could take u years to find out.

15) at least know the basics of computer operations like how to send mail, do job search via indeed. Use ms Word etc it helps.
16) in Nigeria when see someon or stranger u stone ur face.. Bone ur face trying to investigate but in the uk its otherwise. When u see someone u smile.. And be polite.

17) no power failure not even a seconds.

18) all road are connected

19) nothing like tribalism or regionality in UK. Like every uk sees him or her self equal and uphold their nationality unlike tribes we do in Nigeria.

Can you shed more light on point number 6

oglalasioux:
How we, black people, support musicians and footballers is the same way we support politicians. That wizkid walked past davido is now a point of clout for us. Same way we’ll drink poison because it was served from our ethnic cup.

The okponu even said Davido was scared or something stupid like that. 😳

ecomalchemistt:
No matter the level of evil or corruption being perpetuated by Nigerian politicians\leaders, there will always be a Nigerian supporting them , unfortunately, this same Nigerian will be dragging front seat, sandwiched between the driver, another Nigerian in front seat of mini-buses that don't even have space and be loaded like olden days sardine.


If you are looking to start a Gadgets and Accessories business and you need contacts of legit suppliers of Uk used phones, laptops and accessories… reach out

Interested. How to get started?

Pumpyjay:
I had a similar issue , in my case i had to re-upload a clearer version of the document in question.

There should be a helpline number in the mail sent to you, call that number .

What I have is birth certificate issued by Local Government Authority. I was already planning to get an affidavit to process NPC birth certificate.

Will check for the number and call as suggested

Pumpyjay:
Do you really need an application letter? I renewed my passport online last month and did not submit such letter.

I have typed one all the same since I'm doing it DIY. In case they want to be funny because I'm not giving them money..... these folks can use any excuse to delay someone.

Hello experts in the house. I have a few questions with respect to processing admissions/visa.

1.) Please is there any consequences of not having my middle name on my international passport. Several other documents carry it but not all.


2.) Also, Birth certificate carries "Olusola"..... All other documents carry Olushola. Is this an issue? How do I resolve it?

3.) How do I get the certificate issued by NPC. I heard the conditions are a little different for people above 30 years of age.


Kindly advise.