₦airaland Forum

aworatak:
Lagosians should embrace for tougher times.
The man who they are polishing to succeed Sanwo is out of touch with the ordinary people.

so make them use all there salary pay rent or go back village, or steal from oga. That is actually a sensible advice we all took at a point in some of us life, before things changed for the better.

Hmm, make person no jam you o.

There life, there business 😜

Lol, Ai Na ifa, Na wetin he see, it must talk.

Dapagun:
Gtbank's H1 2026 Disaster: The Delayed Confession Of A Bank In Decline

nkem they write like Ai. Business growth is not infinite. Gtb as guardian of shareholders equity, is guiding our equity and avoiding giving huge corporate loan that will end up in impairment charges. Gtb will get revaluation gains on long-term government bond if rerating of interest starts creeping in. If you have bonds locked in at 23% once inflation decline further the bond value will go up more than 40% because the spread in interest rate will reduce. They are doing the right thing by keeping it simple.

Read non- fiction

Evaress:
u don read my books ?

megawealth01:
As seen on the internet

by that time 300k now 10k under this perfect government. If they now perform beyond imagination. It could be now 500. I pray they no Mugabe us o

Reading books, not religious ones for me. If money plenty hopefully I still keep this virtues.

Itzlinda:
I become humble when someone pulled up s&p 500 index chart and showed that there was a period when the US stock market didn't go anywhere for 10 years and such period is called a "lost decade". Nothing is guaranteed in this market.

Nigeria also had a lost decade 2013 to 2024 in USD term

yMcy56:
Some Ogas won't stop living in the past.....
Except Nigeria happens to SEC, a repeat of 2008 is highly unlikely.....
Individuals now have direct access to the market and their investments unlike the "dark" era..

this time is different that what makes Dangote cement still selling Below is IPO price in dollars terms with past stock buybacks. There is a reason you must have a risk premium adjust price. People have made money in this market, but they have learnt to think by themselves. No immunity for a declining market it psychological, Agba is showing you his advantages that came from experience. Declining comes with insurmountable realities, they can't regulate that reality. Most times it comes before the general economy starts feeling the decline which makes it worse.

ultraviolet27:
Gumi isn't ugly nah maybe it's because of the rag he ties on his head if he dresses in the western way his good looks will be out fully google senator Roland owie from Edo state a one term senator during Obasanjo civilian president tenure google him I have forgotten his name he is the ugliest man I have ever seeing in this world and he did have a wife even though she is now late what about Tokyo one of the nurtw chieftain he has 3 wives Tokyo should be the 2nd ugliest man I ever seeing in my life

If those 2 could have wives what is wrong with gumi?and he isn't even a pauper and why Edo men they always wowo self?obaseki, senator owie,oshiomole, okphebolo even that esama of Benin kingdom chief igbinedion very ugly!

lol on the senator

SixSeven:
Are you insinuating that female hotel workers cannot be faithful to a relationship because of their place of work?

may be 1% can. Even manager sef is promiscuous.

Dapagun:
Why Is GTBank's Delaying Its Financial Results For The First Half Of 2026?

hungry author's. They probably plan to pay interim dividend after the erroneous impairment charges the regulator force them all to take last year. CBN will check if they ain't using working capital they all just raised to pay dividends. First Bank releasing earlier is even of concern to me than the rest. Some of them are also having reversal of impairment because some of the non performing loans have been performing or restructured. Be calming down.

So Na minister duty now, yeye people. This party matters nothing concern electorate

emmanuelewumi:
Became some building materials are now time 5 and 7 does not mean a property of N100 million about 3 years ago are now N500 million to N700 million.

Are you also saying that the workmanship of artisans, engineers and builders are now time 5 to 7.

Does that mean that rents now time 5.

for me the market if most entry point was 2022 to now did incredibly well, like wise urban real estate in Nigeria. Let be honest most rural real estate price just doubled. Even the funds I bought in 2023 for my son are average 8X, but my house value from 2023 not 8X o as some quite a lot of neighbours are still porting abroad. Lagos, Abuja, Asaba and others are booming. My friend sold 1 property in magodo, got some bargain 3 properties in bodija gra. As in proper environment.

kpankpangolo:
Money, beauty and fame: qualities which grant men the priviledge to treat women like toilet paper. The woman you’re simping for will crawl through a minefield and swim through shark infested water to become an athlete’s fifth baby mama.

even married women stares at attractive people, have seen it multiple times. Been outdoor and once felt disrespected at my wife doing that once I just hid my emotions. Omo only to end up having two healthy looking sweethearts sitting opposite us at the dinner. I just forgot if I needed to check who madam one stare at. One of the ladies multiple times try having a conversation I behave myself and our host latter teased me for years on that night.

PropTrader:
Digging just a little further should have told Sen. Ningi and other Senators who apply no rigour in considering matters before them, that the sale is merely a transfer of shares for better corporate structure rather than purely a commercial transaction.

Holcim Cement who was majority stake holder in WAPCO Lafarge Cement is also a 41% stakeholder in Huaxin Cement China and is the single largest shareholder in Huaxin. At the point of sale, only 66% of market value was paid as consideration because of the greater group side benefit that will accrue to Holcim. So indeed very little has changed beyond the name on the letterhead, ticker symbol and Chinese EXCO who are expected to do a better job.

was reading about Holcim in nomad partnership letters. Really miss the train on wapco. Error of omission. My worst decision is selling Vitafoam too early for helping an ungrateful person in a terrible debt. My lessons of recent is, not those I made losses on, it selling some quality holding too soon because I thought they have gotten to fair value. Better to look into the future like growth investors.

mrvitalis:
One thing I have come to realize is Nigerians want to look Developed than they actually want to develop

I can’t understand why we borrow money to build rail lines and rail stations that are not capable of breaking even talk more of profit making

Almost no body in Nigeria care about viability of project ,the desire for Legacy project is crazy both from the citizens and the political elites

A country with $1000 gdp per capita is building fancy rail stations? Fancy airports ? Fancy unnecessary roads all with borrowed funds with interest upto 5% per year

Someone make it make sense

as in what the big building for. The rail line is yet to reach it destination since. They all copy rubbish. Imagine that junk of metal ambode built in Oshodi, what is the benefits of the junk metal. They just want white elephant project. Because the traffic on that rail line won't cover the maintenance cost.

RichBoy247:
Listen to a senseless security man giving out sensitive national information

what sensitive in this information, Abi just parlour gossip

Parachoko:
I've never heard this in my life

Nah the first time I go hear say, a smooth road dey damage car suspension be this o

The few interlocked Brick roads in Lagos can't damage cars suspension

There's a lot of interlocked Brick Roads in Countries like Netherlands and Germany, I've never heard of Car owners in the two countries claiming the interlocked Brick roads are damaging their car suspension


There's no way a smooth interlocked bricked road will damage a car suspension

they aren't main roads, but intra-city. I haven't read about the effect too.

dreamworld:
how much come be new 100ah, fear god,

you are a mind reader. Lol

Gbadugbakun:
‎Many of the people calling her a liar may not fully understand how small businesses work.
‎
‎A bag of corn currently costs around ₦45,000 and typically contains 50–60 ears, depending on their size. If she's buying directly from farmers or wholesalers on the outskirts of Lagos, her cost price could be even more competitive.
‎
‎Let's do a simple calculation. If a bag contains 60 ears and each one sells for ₦500, that's ₦30,000 in revenue from the corn alone. She could also generate additional income by selling complementary items like ube and coconut, which usually carry healthy profit margins.
‎
‎In a high-traffic location, offering both boiled and roasted corn alongside ube and coconut could significantly increase sales volume. If, for example, she sells three bags' worth of corn in a day, that's about ₦90,000 in daily revenue from corn sales alone. Over 25 working days (excluding Sundays), that amounts to approximately ₦2.25 million in gross revenue, and that's before factoring in the extra income from ube and coconut.
‎
‎Of course, gross revenue is not the same as profit. Expenses such as purchasing stock, transportation, charcoal or cooking fuel, labour, rent (if applicable), and other operating costs would need to be deducted. However, the main point remains: with the right location, consistent customer traffic, and good business management, it's entirely possible for a corn-selling business to generate up to ₦2 million or more in monthly revenue.

you are correct, it revenue not net profit.

Oasisblue:
Beautiful Turnaround story from PZ. Impressive.

nothing beautiful about it, expenses are growing more that revenue, the abnormal gains just drive up the earnings, they aren't recurrent income but better look into cash flow statement properly.

Goo0dHardDick:
My years of having fun with girls, this is what I learned about them that every man should know

1, Bro, build yourself, don’t build a woman. She will leave you for men who built themselves.
2, Being a good guy doesn’t keep a woman.
3, you can't change her. Don't advice her either, you're not her father. She'll still do whatever she wants to do regardless.
4, If she loves you everything is free…. If she doesn’t, everything has a price.
5, The love you may receive, is directly proportional to your bank account or how you package yourself.
6, You can do anything for her but a very little thing from a stranger can make her forget you.
7, What you have done for yourself will keep her more than what you have done for her.
8, They forget easily, invest in yourself first.
9, You can never impress a girl , another guy will impress her more than you can and she will fall for it.
10, Being always available bores a woman (it signifies you have nothing doing and that you're a low value man).
11. Your looks has only 7% of attraction, your confidence and energy is what attracts a woman.
12, without money, you are not special to anyone except your mother. Get rich. The world is cruel/ unfair to broke men. And lastly, people move on, memories fade, loyalty change but the time you invest in yourself will never betray you.

CC seun farano justwise nlfpmod mynd44

this just human nature summarised. We just naturally put guards down once we are infatuated.

debosalau:
Two agencies are involved
1) LASPPA
2) LASBCA

GO TO THE LASPPA OFFICE IN CHARGE OF YOUR DISTRICT AND REGISTER YOUR BUILDING AS “AS BUILT”

They will charge you the following assessment fee
1. BUILDING PROCESSING FEES
2. STAGE CERTIFICATION
3. PENAL FEE (Because you built without permission)
4. TAX

Make sure you make the above payments yourself in the bank using your Payer’s ID

Go To the LASBCA office in your district and you’ll pay the following
1. Stage Certification
2. Penal Fees

The contact phone number of the district office that served the demolition notice is there. Call them and schedule a meeting with them.

Sadly, they’ll ask you to pay some undocumented fees too, but be smart to ensure that you negotiate it well (reasons I hate having to deal with government)

this the solution, ready to spend not less that 2m-3m

I am currently even though she is my wife, but it too expensive better to find one who has done that for themselves because I clearly didn't envisage what it will cost timewise and other sacrifices. I currently don't have problems with her but I only did because it a federal University and she wasn't given me problems. I could afford it even unconsciously but I am not worried about losing any spouse too currently.
From my early experience, it puts you in parental position without the rights but responsibilities and obligations. They are naturally not the resourceful types either which makes them easily take advantage of one inexperienced nature. Naturally resourceful people won't accept dependence. Most times the support will encourage the beneficiaries to be motivated to manipulate and pretend. They naturally might just be tolerating you over really choosing you.
Do it only if you know you could afford it financially 20X and get her pregnant if you can don't need to discuss that either with the beneficiary, at least you got something back. Most too their main condition for the relationship is the support.
Some skin in the game gets people, to avoid small temptation.
Humans are very unreliable but we are easily controlled with motivation. I remember when my own interests started misbehaving, Na fast I done seal the faith but luckily pregnancy happened without me intending to. Over time I noticed that her not being self reliant is some of the reasons for the attraction. We are moving on doing fine.

Lekby25:
I love that guy, he is a disciplined person. That lady is very stubborn. If I'm the guy, i will end that relationship, she won't be a submissive wife

Many who hasn't been a good relationship and toxic won't understand. When partners don't respect boundaries or opinions expressed, it compatibility issue, someone gave you key with conditions, you took keys but won't take responsibility for the condition. See won't be surprised she requested for the key and she also having insecurity issue. Make she find man who appreciate indiscipline and encourages disrespect. The guy was immature by Posting the video. I have walked out of terrible insecure partners and thankful for my decision, without drama's.

Diamond098454:
This is disrespectful .

Even with all this red flag she will still remain in that relationship.

he repeatedly said, he had caution her multiple times, part of relationship is understanding boundaries. I actually think she owes him the dignity of calling him as requested.

Well many survived with worse adversity. You don't know what possible until we try.

DomPerignon:
Probably the boy's father paid the teacher to get hair and nail samples from his son so as to carry out a DNA test to confirm if the child is his.

From what I can see , she is a single mother probably milking her supposed baby father dry .

Guy man just wanted to confirm if he is paying all that child support to his own child.

lol, I get it. She won't sleep well, truly. My son's school beat up a 3 year old with few marks for 💩 ing in the field. They got no beating policy. Nigeria and lawlessness.

Yorubastardz:
Building road for people wey never see food chop.

10 billion per kilometre. Hmm this hope cost o. Will Julius Berger see work again sef, HITECH needs to be nationalised as ministry of works subsidiary. Shameful!!!. Imagine if Wike no dey Abuja wetun Julius Berger go chop 🥩.

MrEgghead:
You mean your sister clerked the patient and she knew it was a wrong diagnosis or a wrong dose?
I guess she can't boldly say that in public.
Some of the errors they think they see are not errors as healthcare is individualized which means I might treat two persons having bacterial meningitis using two different drugs and two different doses; I guess the pharmacist might see that as an error.
You really can't say a diagnosis is wrong or a dose is wrong when you didn't take history from the patient.
This is not to say there are not obvious errors in medications but it's not as much as they think they occur if it's a valid prescription and they can't know the application of drugs in humans more the Medical Doctor.

Ok o, just recently my son was admitted in general hospital ikorodu and an antibiotic was requested from the pharmacy, it probably not suitable for his age, the pharmacist left her duty post with people waiting in line and follow me to see the doctor, they had a discussion and the doctor changed the drug , I could hear her pleading, don't tell the other consultant o!. We really understand appreciate there support. More reason government regulate them.