₦airaland Forum

amajato:
why is the odd for atletico madrid- Leicester over 2.5 goals going up ?? from 1.7- 2.05 I hope is safe?

Jejely just play under 2.5 or NG

Rakiticbarca:
The matter weak me, 3k only.

Lolzzz, dem no stingy na wetin u dey win currently be dat nah... Multiply the odds of the games wey don play na 32 odds and u stake 100, dats y na 3k, if na lyk 1k u stake for the game u for dey get like 30k plus.

3PGNW5R

Someone should please look with a third eye.

A lady just told me she can marry a guy that earns even 50k as long as the guy has saving and investment mentality...

slinkman:
you made 500k in 5months and that's a thing you celebrate? , good luck

Was he suppose to celebrate stealing 500k in 2wks...Som people sef..

virtousB:
it didn't work for me. Dunno why and my money is less than 50k

What is your mavro confirmed date.

adiosgracias:
https://natrolimited.com/r/soyedtex please use this link to register

Please i would like to know more about this natrolimited stuff... U can drop your number so i call you or you can whatsapp me on 08034654386 so we can chat... B4 i register. Thanks.

Splinz:
I need 20$ worth of bitcoin.

If u are serious let's chat on whatsapp 08034654386

Abeg add me 08034654386

Garetti:
My Oga them. .
I hail all of una o!!

Abeg wetin una reason with regards to creating the biggest sports betting whatsapp group?
Everybody go be Admin.

I don create the group already...

With una permission, I go like add una for the group.

Money needs to be made.

[quote author=Abmbola post=46212697][/quote]Anoda green, bros show me d way oooo.lolzz tnx.

Abmbola:
Lol u want to know d making of Team no statistics?

Yes bruv i wouldnt mind..

Abmbola:
Lol u want to know d making of Team no statistics?

Yes bruv i wouldnt mind ooo

Abmbola:
BET WON

I doff ma hat for u once again... Gimme d secret ooooo.. Lolzz thanks.

atoyebidaramola:
Okay no wahala can u cum down to Lasgidi?

Hahahahaaaa... Laskini, abeg option 2..lol

atoyebidaramola:
Hmmm lolz broda no b ordinary eyes if u want me to teach u how 2catch fish nah small tin yhu jus show more interest I will take u 2sumwere drop a Hint hun

Oyah na lets go there..Am ready.

atoyebidaramola:
*Soccer 1/6/2016*
South Korea National League
Anyang -:- Busan I Park
Tip:-(Home win)
Odd:3.15
Tip:-(Handicap 1:0)
Odd:1.70
Time:12:00
Value 75%
#Team no statistics#

Nice one bruz, why not teach us ow to catch fishes ourslves lyk u... Lolz

ayinka4life:
Dear Gurus in the house. am looking to apply for PR please advice.
Btech computer Engineering 5year
IT support experience for 6years
what is the assessing body ACS or EA,

Same shoe with u bro... ACS buh really don't understand it just been a member for 70 dols will do or the certification for 700 dols.

SegunWamiri:
Hi, I'm sorry to say that it's not likely you'll get the TRV. Firstly, you want to do a Diploma having possessed a Bahelors'degree which is higher. Secondly, General Studies seem too General... Lolz...that you have to convince VO that there's no school or other professional courses in Nigeria that can give you the same set of skills you are seeking to acquire.

Most of all, if you decide to still give it a shot, apply with a PGC or PGD instead but don't ever mention that you'll be switching to nursing ooo. That would be too much of inconsistency.

Many thanks.

Seriously u just go me thinking twice with dis advice, wat about hnd elect/elect wit IT experience apply for a 2 year diploma in computer system and networking....Plz kindly advice..Thanks.

cachilike12:
I am really not too clear of what your questions are? But Sincerely speaking Nigeria is best for anyone that has a foundation. All you need do is put in more effort towards trying to Re-establish because life is free and easy in Nigeria. However, if you guys decide to come to Canada then you must put certain things into consideration.
First, that regardless of whatever qualification you have, you just have to start life afresh like a hustler. By that I mean do certain menial job for survival pending when you or your husband put in place certain requirement to get a better job. Example, skill training, vocational and academic training that will at least give you an opportunity to fit into public offices. That is if your God is still with you guys.

Secondly, finance is of great importance pending when you start making income here. However, the good thing is as a student you are allowed to work 20hrs school time and 40hrs when on class break. On the average you will be paying $1000 for rent a month and about $300-400 for feeding at home. Extra $200 for other minus expense. For convenient you need a car, which can be purchased based on choice from at least $1000 and pay monthly insurance of about $200. Please try to get a Nigeria insurance before coming as that will help you a little to be allowed to go for a higher class of driver's license which enable you to drive with a road test conducted.

Thirdly, Saskatchewan is known to be a place for aboriginal with less job opportunities.

Fourthly, I will not advise Toronto for certain reasons, because is full of immigrants and people easily influence and can a times get into trouble trying to mix with certain few. However, it a place where things goes. Considering people with mix culture. Let's say the Lagos of Canada. You can find certain help in Toronto, but if you have your cash I really don't see the need of people, as there problem might be more than the help you get.

Fifth, you or your husband after studies of two years will have to wait to get jobs in certain field and position for three years before given a permanent residence,which now enables the other to sponsor either of you. As for your child once born in Canada. He/she becomes a citizen but has no place in you guys staying in Canada. As you or your husband will be inadmissible to Canada the moment you stop school without completion of your program or you guys go into full time work. That becomes a problem!

Lastly, my advice will be for you guys to get skilled in certain field and move to Alberta province which comprise of Edmonton and Calgary they seems to be lots of jobs there and tuition are around 7-8k per semester. However, much more colder than all other province. But that's why there are jobs and pay well.

Wish you guys the very best in your quest in these did difficult moment of you guys life.

CAC from Toronto.

@cachilike wat a wonderful and eye opening answer, please would u advice some1 into IT with specialisation in networking and system on a average salary of not upto 200k quit his job and come study and work at same time. Wat are the prospect of IT proffessionals in nigeria wanting to migrate..Thanks.

adeyemidare:
Last two years of study. If you going for Masters, last two years can be 300 and 400level of undergraduate study. Use that example to decipher the meaning. Shalom!

Thanks bruv am grateful.

adeyemidare:
Be very strategic in your application and apply to many if that 3.58 is over 5 point. Most especially if the Last two years of study is less than 4.00. Good luck.

I dont understand last 2 years please asin 2014? What about som1 dat graduated in 2007 or 2010..

Thanks brv kindly shed more light.

NNBB2012:
You can go thru PR route instead of study provided you can get the points.

Thanks bruv am grateful, buh is iets or pte a must.

ceemac:
I did not pay to secure my seat as my school did not demand that

MEng Electrical Electronic Engineering, Western University

Congratulations mate: please do u av any idea if hnd plus pgd electric engineering would be considered for Meng too in same school. Tnx.

NNBB2012:
What is your first degree on?

Please i need your advice am thinking of applying to a school in Australia, to study Msc Information Technlogy or Telecommunication, Buh i have HND in electrical (2007) Upper credit and also a pgd (2014) in electrical with upper credit too. With over 5 years experience in computer and networking, I would like to know what are my chances of getting admission or been considered for admission.

Thanks in advance and am open to other better options you might suggest.

Thanks sir.

@ vancouverguy:

Please i need your advice am thinking of applying to a school in canada, to study Msc Information Technlogy or Telecommunication, Buh i have HND in electrical Upper credit and also a pgd in electrical with upper credit too. I would like to know what are my chances of getting admission or been considered for admission. I have contacted the schools i intend to apply buh they said the minimum requirement is a four years degree course with a minimum of 3 on a scale of 4, Does dat means i can apply with my HND and PGD.
The schools are University of British Colombia and university of Saskatchewan.

Thanks in advance and am open to other better options you might suggest.

etunoman76:
Opening for a Country Pharmacist with at least 2 yrs experience. Send CV to:

msf-abuja-adm@paris.msf.org

@Etunoman76 Please are this guys genuine av not heard of the them before just saw their ad on a diff site n lastly are u igarra.

Thanks Bros.

@jboixxx, please help me with past question Msc IT. Thanks...topicliff@live.com

jboixxx:
Bros, how far with ur project? Hope prof is supportive? Success.

Whoever dt needs d past question papers shd drop his/her email or PM me. It's larger than NL allowed file size.

@ Ednut1 thanks for this piece, my question is, are there any interest on the voluntary contributions ((or is it just to avoid tax)) if yes what do u think would be the rate if som1 decides to save 80k monthly to his voluntary contribution in the next 6 months. Thanks.

ednut1:
Financial Discipline is difficult but can be achieved and mastered. The need to feel among sometimes makes one to spend on things like the latest iphone, latest car, exotic holidays etc then in 5 years times you may have racked up lots of debt despite earning much over the years. The need to save and invest cannot be overemphasized. A typical Nigerian worker saves in his savings account (that has no Debit card aka Atm card) that offers a return of 2-3% per annum but with inflation rate currently at 9.2% per annum (and still rising) this is just cheating of because your money is losing value. A wise investor aims to earn above the inflation rate. N50, 000 in August 2014 is not of the same value with N50, 000 today. Some of the different ways you can effectively save and invest your salary / money are explained as follows:

Voluntary Contributions are additional contributions you can add to your mandatory pension contributions. These funds would be deducted from your monthly emolument by your employer and remitted into your Retirement Savings Account (RSA), along with your regular pension contributions.The significant advantage of VC over other savings scheme is the contribution is deducted before tax thereby reducing your tax liabilities. Note that income (not the contribution) earned on Voluntary Contributions is subject to Personal Income Tax if withdrawn within 5 years.It is advisable to withdraw quarterly; bi- annually or yearly and Withdrawal takes 2-3 weeks to process.The contributions are managed like your pensions. The smart workers also pay their bonus into the VC to avoid tax.

Simplified illustration

Mr Seun Earns N200, 000 per annum taxed at 21%, he decides to make VC of N70, 000 monthly.

Take home pay (THP) without VC
TAX-N200000 *21%= N42000
THP= N200000-42000= N158000

Take home pay with VC of N70000
Tax-(N200000-70000)*21%= N27300
THP = N130000-N27300=N102700+(N70,000 VC)

Tax savings= N42000-N27300=N14700

Mr Seun is getting a tax saving of N14700 monthly from this scheme. (For those who know how to compute standard take home pay add the annualized VC to your pension’s contributions).

Treasury bills and bonds
Tbills are short term debt instrument issued by the Central Bank of Nigeria (CBN) on behalf of the Federal Government to finance local debt, Because it is guaranteed by the Federal Government of Nigeria, it attracts lower returns. Primary T-bills auction takes place every fortnight with tenor of 91,182 and 364 days(note that the rates are per annum e.g. a 91 day Tbill at 10% is effectively 2.5% when prorated). The results of the last auction were around 10%, 12.80 and 13% respectively for the tenors. Banks invest heavily in Tbills with your money and give you 2-3% interest per annum on your savings account (nice righyt). Interest is effectively paid up front. To invest in Tbills get in touch with your bank and fill the application form.
FGN bonds are debt instruments issued by Government of Nigeria for an agreed period of time. The investor lends an amount of money to the government and earns interest (bi-annually) on the investment until the maturity of the bond when the principal will be returned. Bonds have maturities ranging from 5-20 years. Bond auctions are held monthly.
To invest in Tbills and bonds get in touch with your bank and fill the application form. Minimum investments of N100, 000 and N10,000 respectively. the interest earned on both are tax free.

Mutual Funds: these are collective investment schemes where funds are pooled together and managed professionally by a fund manager (Asset management Company). Using this logic Mr A has 100k to invest in fixed deposits he approaches a bank and is offered 8% interest, if Mr A and 10 of his friends contributed 100K each and take the N1, 100,000 to the same bank they can negotiate and get 10% on the same fixed deposit. There are different types of mutual funds. A Mutual Fund invests in a variety of stocks, bonds, money market instruments or other securities in line with the objective of the fund. A popular and safe type of mutual fund in Nigeria is the Money market fund which invests in money market instruments like Tbill, fixed deposit and commercial papers. Returns around 11-13% presently.ARM, Stanbic Asset mgt, FBN capital & investment one are solid asset management firms in Nigeria. There are mutual funds that invest in equity, bonds, Tbills, fixed deposits, commercial papers (usually a mixture of these securities). With as little as N5000-N50000 you can invest part of your salary (say monthly) and get good returns.

Fixed deposits: these are investments with bank for a agreed period of time. Note the rates are per annum and will be prorated if the tenor is not up to a year. It also attracts withholding tax .

Shares: these are investments that represent equity ownership in a company which gives right to voting and share of the profits(dividends) of the company. The best times to invest in shares is when the prices are low (e.g. now) and sell when the prices are high or better still hold position and keep receiving dividends. Shares can offer huge returns or losses as the case may be at the particular period in time (economic condition and Company performance/direction).

Be wise

Source: Experience

@BlesseenE I actually did dat a month after the aptitude test and still no reply..

blesseenE:
Is better you send the HR an email message..instead of waiting and worrying!

@Ednut1 congrat bro, please do u av an idea of the network and system engineer recruitment test that was done last 2 month, worried cos am yet to get any response whatsoever from them... Thanks.

ednut1:
jst got medical invite . i nearly fainted last year when i did a certain medicals and saw HIV test was included.

@ Datevilme Thanks and i really appreciate, was actually thinking of picking one or two electives before...If you dont mind we can exchange numbers since we on same train so we can share ideas.. tnx. 08034654386.

Datevilme:
The total Credit needed to graduate is 40 Credit Units. I also Registered the 8 courses which is equivalent to 20 units, this is the recommended credit load for first semester. If u want to drop some courses, it will mean u will have to do them later, maybe in a third semester, i cant really say which ones you should drop, but maybe u should choose the 2 unit courses.