₦airaland Forum

RIP

guttentag:
Help me with the list Biko
Even European schools that don't require toefl

Bro you need to do this yourself.

tranxo:
Your rate.?

Rate depends on quality and review.

If you are interested in financial, business, government and economic writings please drop your freelancer ID.

guttentag:
Please bro, do you know any school in Malaysia that do not require english language test?

A lot if you are from Nigeria. Just google

linyberry:
I have self esteem issues,its started when I was ten and I don't know what to do about it since then ...I weigh 68kg,and people call me fat a lot and it makes feel sad .it also adds to my low self esteem issues... my boyfriend died recently and that alone made me depressed... please house what do I do? am loosing my mind..

68kg is not fat please or do you have belly fat ? If that is the case, no matter how hard you workout, you need to watch your choice of food. You can only get result when you burn more calories than you eat.

favoured234:
Where you from come out ?
No doubt it is manageable so why is she hiding it?
What else is she hiding?

Hehe..I dey o. You are right, there might be more to the situation but you will agree with me is not that easy to share either.

favoured234:
A lot of people say its not an issue but then I think its an issue..
Lies, deception everywhere..
Its a medical condition that can be managed
They are already planning marriage, so
1. why didn't the babe let him know about the condition.
2. Not even a family member told him during/after introduction.
3. How bad is the condition and how far can she go or has she gone in that state.
4. Since they are miles apart he might not get to know the details about the condition.
I would advice the guy not to go ahead.. He might have too much of a shock that might be a huge blow on the marriage.

If she didn't see it as an issue she shouldn't have hidden it for this long

No scatter their family o, its a manageable situation

hardbody:
I am in traffic and my driver's name is Tunde. I am imagining if i had to be tribalistic whether he will be paid from my salary and still collect the everyday dash i give him for the sake of his wife and twins. Guys should be careful what they wish. Real life is thug life.

You are not making any sense, if you are old enough to have a driver you should be old enough to know that many yorubas employed Ibos. Someone like you should not dabble in such conversation, better still get an ibo driver, Tunde will live still!

vivalavida:
That is their main domain.
The baale of sabo lives there and his residence is a bee-hive for those touts
Bro give me an update. I am in the office and i live around there. So i can know how to avoid those yoloba touts and their skirmishes

Why not get a job in the East to avoid those touts and their skirmishes ?

youngbilly1:
Bro, I don't have offer yet lol. when I emailed the school for Informations about the course I want to study they asked me to send my credentials and design portfolio, which I scanned and sent. They later emailed me that I qualified that I should make payments, get NOC and do my Medicals. So before I pay am just asking if have been garanteed admission already.

Get an offer first before you make any payment.

Ziggyzito:
this is another hater. D'banj is the king of the stage. This dude has been doing live performances since 2007. It isn't easy. P-square just started using bands 3 years ago. D'banj is one of the best performers in Nigeria. Stop hating. Quote me with insults and I won't bother replying.

Thank you, he started before most of them. In fact he is the best, follow by Sound Sultan

youngbilly1:
Initial payment for Application fee, EMGS and Insurance.

That means you already have admission offer right?

youngbilly1:
Hi have been to Malaysia for two weeks 2014, am applying for a university in Malaysia (KBU International College) for a 3+0 course. I emailed the school and sent all my necessary scanned documents if I qualify they checked it and told me I qualified. Now my question is am to pay R2348 for my application to start processing because am going for January intake. My question is when I pay the fee, I hope Malaysian Schools don't cancel or send emails like "No admission" blah blah

What is the fee for?

Bamjazzy:
kudos to u sir, lovely write up n simple. just one questions sir like how much is it gonna cost for masters in Malay in naira, i mean d total sum up in naira sir

Cost depend on school, if you are attending local or foreign universities (UK, US, Australia etc).

TonyeBarcanista:
I'm not cut for back and forth irrelevant argument. You don't seem to understand the subject with due respect.

With over 9 years as a Financial Market trader, you are a kid. The truth is economic matter is beyond your understanding, sorry, you know nothing about financial markets or economics.

sholatech:
I think what is needed is to make this analysis apolitical.
It should be less of GEJ vs PMB.
GEJ did his best and there were some lapses. PMB needs to have a team and quickly provide fiscal policy. What we have prevailing has been more of Monetary policies by CBN/MPC. We need clear Economic Direction. JP Morgan was to bring in FDI, which really came in droves after the listing. Purpose, for me, was achieved.

You are right but a lot won't stop making it apolitical. Sorry, the purpose for me wasn't achieved if it can not be sustained and now we have to pay hefty fine for that poor economic decision.

TonyeBarcanista:
It is unfortunate that Buharists are determined to turn truth on its head and deceive Nigerians.

While the immediate past administration made some forecast using the projected oil price, it implemented a lot of policy that will promote local production, encourage export and less dependency on import thereby acting as a tool to help sure the naira. The CBN monetary policy would have been complimentary and not primary to see that the naira don't drop to the most embarrassing state . The defeat of Jonathan at the poll means that Nigeria were expecting a new economic direction, this expectation also applies to investors. Unfortunately, since May 29, no single policy direction came coming from the Federal government leaving the CBN to implement the craziest and most insane monetary policy just to 'defend' the naira. Let us recall that the CBN Governor some weeks back decried the absence of fiscal policy from the government as a major challenge. Till date, non has been forthcoming. No Economic team in place.

Investors are worried that the crazy manipulation of the FX by CBN cannot be accepted in any sane clime. The JP Morgan index were simply saying that 'hey, play by the rules. Stop manipulating FX and get economic team on board/fiscal policy". Whether the effect of the ruke will make Nigeria naira depreciate to N300/$ is not the fault of JP Morgan but the clueless Buhari administration. We also need to agree that the present state of the naira is a false state. The real value of the naira is about N300-350/$. So why can't we do the right thing by doing what is proper and boost investor's confidence? If investors run away from our bonds, is it alien that will come in? JP Morgan delistment means we will lose prospect as well as lots of existing investors. This means economic trouble, job loss and its resultant effect.

Please @OP, stop blaming GEJ and NOI because they have nothing to do here. For the record, NOI announced austerity in the face of oil drop price in 2014 and never said Nigeria will suffer.

They didn’t even made any forecast, NOI strategy was to start taxing Nigerians to correct the deficit. Whatever policy they were implementing for 6 years clearly didn’t work if naira hits 220/$ at the parallel market before they left office.

Do you even realized that in this situation the people we need are the 9 member momentary policy committee (MPC)? Do you even know economic policy were been formulated and in their meeting in July they decided to leave interbank interest rate at 13 percent? Even though two of the member disagree in August with CBN FOREX restrictions, it wasn’t formally stated.

All the countries that were listed with Nigeria has been delisted, including Malaysia, Russia about to. None of them is marking huge noise about it because they understand the consequence of bowing to JPMorgan demands. We don’t need foreign investors to siphoned whatever is left of us, we needs investors that are genuinely committed to struggle of the Nigerian people not at the detriment of us.

This a link to where NOI said we should brace off for hard times.
http://newsrescue.com/broken-looted-economy-get-ready-suffering-ngozi-iweala-tells-nigerians/#axzz3le60dF8r

sholatech:
Pay the cost of servicing debt from our reserves? Foreign Reserves is more of an index similar to balance of trade. It is not your usual bank physical vault

Nigeria committed to using foreign reserves, salted away as oil prices soared, to cancel its debt

http://www.nytimes.com/2006/04/22/world/22nigeria.html?_r=0

1miccza:
If i would borrow from your last paragraph,it says when the administration couldn't help their apetite for borrowing that sure smarks of greed and something else you know...

Well, the entire Nigeria economic landscape ooze greed and corruption

1miccza:
When i said options i meant he could have taken other decisions than the one he took,the depleting of the reserves was not due to the index or anything related to it,it was due to our own greed and corruption let's represent our facts right...

You still don't understand, I am asking you what are these options? The reserve depletion was directly due to poor economic decision which saw our debt servicing cost surged to 26% of our annual budget (http://leadership.ng/news/422050/debt-servicing-to-gulp-35-of-nigerias-revenue-imf).

Part of the idea of listing on emerging market bond index was to reduce debts servicing cost and increase inflow of investment fund but when the administration couldn't help their appetite for borrowing, they had to pay the cost from our reserve. How is it not related?

Gboliwe:
The legendary body odour should fix this. Is it only to take glory that it does?

I didn't even bother to read the obvious blame game detailed in the article. That's what the ruling party is known for and it's time wasting.

This is not about the ruling party but our dear country.

1miccza:
Op in as much i like your analysis the truth is when the oil price began to fall our naira to dollar exchange rate was not up to 200 and the CBN had other options too...

Can you mention one of those options? It is simple, the only commodity backing that listing was oil and it fell, if they had allow the currency to react proportionally, it would have been a total disaster as our domestic market would suffer and cost of production would have increased by 40%.

They did what they had to, what was the benefit of the listing? Are average Nigerians gaining from it? The truth is all the benefit was never accounted for when their team left office, our foreign reserve dip, naira slide to all time low, gdp started dropping from first quarter, etc.

Before we were listed, our foreign reserve was way better and our economy was averaging 7.4 growth rate and pose to be the fastest economy after China.

JPMorgan...

In 2012, when Nigeria was listed on JPMorgan emerging market Bond index, it was done based on a two way quote by the CBN and the then minister of finance, Okonjo Iweala, backing their decision on Nigeria growing economy of 7.4 percent annual GDP and 6.9 percent in 2011, substantiated with a blooming global oil price averaging between $90 to $100 a barrel as at the time, and Knowing fully well that cost of servicing foreign debts will reduce significantly and position she, Okonjo Iweala as the powerhouse of Africa largest economy on the international scene and the force behind the actualization of Nigeria dream to a more mainstream investment destination, they concluded it was the right thing to do without proper consideration for future consequences in the advent of global disaster like current drop in global energy prices and emerging market economic rout.

Here is the logic, Nigeria is a petrol-dollar economy, which means her economic growth is directly proportional to both petroleum (crude oil) and dollar strength. The former is regulated by global demand and supply while the latter is determined by the US economy, while Nigeria’s economy is being driven by non-oil sector (construction, telecoms, manufacturing and agriculture) mainly, it is normal to expect the economic team representing the nation to base their decisions on those sectors that are thriving and can be internally regulated even if it means not been listed as at the time but no, their decision was based on crude oil price.

In 2014, when oil price started falling after peaking at $105.64 in June, with fewer options left to curb the situation, Okonjo Iweala, the minister of finance took to the media, in her words “Nigeria should brace for tougher economic times ahead” insinuating she has no solution apart from her overzealous ambiguity to be at the realm of power and yet we were being chastised for not retaining her team in power.

The current Central Bank of Nigeria (CBN) administration came in without much time to curtail the situation, and with naira weakened to more than 200 per dollar for the first time, Godwin Emefiele, Chairman of Central Bank of Nigeria was forced to take a decisive decision which includes spending $380 million to stop the fall of the Naira, restricting 41 item’s importers from accessing FOREX official rate, overhauling foreign currency domicile accounts, restricting dollar withdrawal limit on locally issued credit cards and pegging naira to a fixed rate of 197 to a US dollar. Bear in mind that these might not be perfect economic measures as Nigeria is a heavy import-dependent economy but juxtaposing the danger of what would have happened without these measures with been delisted, an economist will agree it is an acceptable policy given the circumstances.

Here are the possible consequences if the CBN had succumbed to JPMorgan pressure and gone ahead with the devaluation using two-way forex market has suggested, naira value would be between 300 to 320 naira to a US dollar by now, inflation would have surged to double digit from 9.20 percent recorded in July, 2015. Cost of goods and services would jumped to a new height, followed by increase in unemployment as interest rate would have risen, making loan almost inaccessible for companies to finance capital projects. Overall, the decision would have created negative perceptions about Nigeria true economic growth (GDP), and subsequently, forced these same foreign investors backed by JPMorgan to safeguard their fund by withdrawing based on uncertainty and high risk after profiting from the decline.

http://investorsking.com/jpmorgan-poor-economic-decision-by-okonjo-iweala/

A filmmaker and artist Yann Arthus-Bertrand spent three years collecting real-life stories from 2,000 women and men in 60 countries. Working with a dedicated team of translators, journalists and cameramen, Yann captures deeply personal and emotional accounts of topics that unite us all; struggles with poverty, war, homophobia, and the future of our planet mixed with moments of love and happiness.


https://www.youtube.com/watch?v=vdb4XGVTHkE


It really is worth watching if you have a spare hour, there are 3 volumes so 3 hours.

winniz:
That is the lie and Falsehood you Yorubas have been propagating cos this was the report of NBS and NDLEA and all its arrests on Drugs. SW is even higher than SE according to this report

The Nigerian Bureau of statistics in conjunction with the National Drug Law Enforcement Agency released the drug related crime statistics from year 2010-2014.

NUMBER OF ARRESTS BY STATES
The report showed a total of 8,805 arrests were made
The states that had the highest numbers of arrests in 2014 are
•Katsina - 609
•Kano - 503
•Bauchi - 471
•Lagos - 434
•Akwa Ibom - 401

Total number of Drug cases by Geopolitical zone
•North East - 1,017
•North Central - 1,417
•North West - 2,216
South East - 1,316
•South South - 1,314
South West - 1,682
http://www.nairametrics.com/katsina-state-records-highest-number-of-drug-arrests-nbs/

How many drug baron dey EAST, even this one. Wasn't Lagos then arrest am? The international airport is in SW and most of them live in Lagos. You better check NBS analysis for origin

jidesam168:
They just check our passport, ask of our bta (I have 1100 dollars with me then),then straight to deportation camp.

I think you are good

jidesam168:
Hello sir, pls I traveled to Malaysia after my nysc in the year 2011 with a social visa(an agent lied to me) but on getting there the immigration at the kuala lumpur airport collected our passport( mostly nigerians) and took us into deportation room, in Which I spent close to a week there before the airline I booked(egypt air) came to pick us back to nigeria, not that I committed any crime oh, my question is dis, I noticed my passport is been stamped and I don't realy know the meaning of d stamp( but I guess it's deportation stamp) can I still use dis passport to apply for admission in europe?

You should be able to, did you thumbprint?

youngbilly1:
I went to the ministry of education they told me to go to my state of origin and that's quite a distance. Since they said from an High commission can I get it from a high court?

The high commission they are referring to is Nigeria embassy here but they will take the one issue by Ministry of Education if you are in Nigeria.

youngbilly1:
I went to the ministry of education they told me to go to my state of origin and that's quite a distance.

Oh okay, maybe you should explain to them because you need to get your approval.

youngbilly1:
Hello please, the university I applied for asked that I get a NOC, No Objection Certificate from a High Commission. where do I get that?

Any ministry of education close to you