Lexusgs430:



My in-laws are still happily together, but my parents are not really together (in the true sense of the word)........

Should my wife have used this parameter to Judge, going by your principles........ She would have not even looked at me twice ............

So I say again...... It's a mixture of luck & gamble.......

No luck or gamble oga Lexusgs430...its your daily cautious decision to make your marriage work

Lexusgs430:


When I look back at my friend's marriages and about 60% of them are divorced......... When we chat, they always tell me my marriage was the least expected to stand, considering all the circumstances involved.......

Marriage is indeed a mixture of luck & gamble........

It's because both of you decided to make it work daily...


Been married for upto a decade now and we decided to make it work and it's been working for us blissfully by the grace of God

Ixodes:

I do not agree completely with the bolded...you married a woman from a good home who simply replicated same and you are a good man yourself simple. correct me if am wrong. you want to get married look at the parents of your partner what you see is what you get.

Not completely true...

Both husband and wife decide to make marriage work deliberately....

Ralphlauren:


I have attached the price history of my buy to let property.

I'm the second owner. The first owner bought the flat brand new and I guess the property was overpriced/over valued as at 2007. New builds are notoriously overpriced, hence why those looking to achieve the best returns in property investment avoid them.

Today, that same flat and others in the block have an open market value of at least 160k and those that have sold their flats recently achieved way above that figure.

I haven't spent a penny on any home improvement apart from painting the walls when a new tenant moves in (I'm blessed to have had 2 longterm tenants in the last 6+years) and changing the original carpets which were off white in colour.

My advice - do your research carefully, read the home/valuation report, read about the history of the area, is the area notorious for crime (anti social behavior, vandalism,etc) and find out if the council is planning any redevelopment or rejuvenation around the area (e.g. demolishing houses in that area to build modern properties,etc)

My oga, when am ready l will come for tutorials for home owners association Thanks

LagosismyHome:


Na wa for you oooo. Something that is clearly on gov website which is the ultimate source of truth in such matter . You still dey doubt ??

Lol... dont blame you sha. I notice a lot of our people have trust issues and na because of how naija don do us

Lexusgs430:



Your time would come....... If you rush chop hot soup, when the soup don cold....... Your tongue would be no more ..........

Very apt...

RabbiDoracle:


Market is bullish. All Emerging market. The seed has been sown long ago.

F - 50
U - 40
G - 90
A - 60
Z - 75

2Fs - 15

And many more.

This is a possibility based on TA.

Impossible is nothing.

Do your due diligence.

I will retire early if this happens....Amen

Ralphlauren:


https://peritusprivatefinance.co.uk/

Request to speak to a gentleman named Vick

He provides mortgage advice/services for properties in England and Scotland

Thanks so much

Ralphlauren:


Yes, you can. I currently have 2 mortgages. My source of income and affordability tests were based on my contract jobs.

I used very good mortgage brokera/advisors that sourced the lowest possible interest rates for me though.

Anything is possible if you have a very good mortgage broker that knows his stuff.

Which mortgage broker do you use please?

Lexusgs430:


We can't keep them all........

Human wants are unlimited, whilst resources are very limited.........

Along the way, you make other gains on the path of landlordism..........

Quite true Boss

Safeob27:
Thank you mamatukwas for opening this thread, I can already sense that it would be of immense help. Hopefully I’ll be in the UK by September God willing and thinking of how I’ll manage for 4 year old son. He can be very very naughty and cries a lot despite his age. He’s the type that cries at the supermarket , in school , church , everywhere and his sister is well behaved. Might sound somehow but thinking of leaving him in Nigeria with his grandparents because all efforts made to stop this habits have not been successful for now.

carry him come joor, my girl the cry too

many of the oyibo children that come to my hospital de cry well well too


every child has the right to cry, but no go de beat him oooo

Thanks Mamatukwas for this forum

Lexusgs430:


I witnessed the dot-com crash, my mortgage was still affordable and I pulled through successfully.........

Sold the property afterwards, and ran with my gains ...........

Why you run with your gains...l was thinking you should keep it as longterm

Lexusgs430:
Another real life UK story, happened a few days ago ......

A known hypertensive man, was prescribed medications, to lower his BP levels.........

He did his own research about the prescribed drugs, DR Google informed him that possible side effects, could be weakness of his 3rd leg ........

Rather than returning to his GP, voice his concerns/or switching meds or let's assume his 3rd leg got weak.... Be placed on the magic blue pill, he completely refused to take his meds and not medically voice his concerns.......

He was at the restaurant last week enjoying himself last week, he had a cardiac event, rushed to hospital, after a few days, his life support machine was turned off.......

Not only did his 3rd leg eventually die, he also lost all the functions of all his body parts......... All body parts no longer required by him, body parts might be harvested for others to benefit.........

HEALTH IS WEALTH.......

NB : He also did not see the benefits of having a life assurance policy. They have now opened a go fund me page, towards burial expenses etc etc...... ..

Look after yourselves, nobody else will .........

Lol at Dr Google

Many have gone and will still go if we refuse to learn from others...

Ticha:


Because you need somewhere to live and paying rent is paying for a service like any other service. The fact that someone makes a profit from it is neither here nor there. We can translate that into saying buying food is a waste of money as we'll just shit it out. Not everyone can afford a mortgage even with the best will in the world. I advocate one having their own property somewhere mainly because as immigrants, we would really struggle at retirement. To access the full raft of a state pension (which is peanuts by the way), you would have had to pay 35 years worth of NI. Therefore it is absolutely necessary to have a retirement plan which could be a property (the most difficult asset class to pull money out of as it is not liquid cash) that is paid down somewhere cheap for example or money funneled into shares

Thanks Ticha..

Getting a good dividend paying stocks is another good way of retirement if one can get good volumes of dividend aristocrat stocks

Lexusgs430:



Solid like a rock .........

Thanks

Lexusgs430:



Try a bundle mortgage-loan deal...... A separate loan might affect your credit search loan limit.......

Home is wherever you live ....... I love old builds.....

Why you like old buildings?

LagosismyHome:


Louder .....

Recently I went to see an aunt in UK who was visiting from naija and during my time with her, she attended online Catholic Church mass , then I heard prayer for Nigeria in distress....I said whatttttttttt. I remember that prayer growing up, I left Nigeria 18 years ago.

You mean till now Catholic are still saying a prayer for Nigeria in distress .... daily the country is getting more and more in distress .I didn't even know what to say . I weak like fried over ripe dodo

At least you for pray nah....A day is like 1000 years in the Lord's eyes, so e never reach 1 day self...

LagosismyHome:


The way we pray in Nigeria ehnnn yet many terrible things are done by our people. I just cannot process the two

Religion is a business centre in Nigeria

mex551:
might not be massage oil. Could be anointing oil that the tenant sprayed while praying in the house. I had an experience when i was in Naija. Sprayed in the whole house once and the mark is still on the ceiling uptill now. It's been over 3 years Personal house though

Permanent ANOINTING

Lexusgs430:


This is the exact reason, I would NEVER act as a guarantor..........

Guara...wetin ?

Lexusgs430:



$OZON
$OGZD
$YNDX

On my radar........

Thank you.

Only $YNDX will see my hands on Monday when market opens.....long-term play.

Lexusgs430:



The intention is to be in, for the long term ......... Major shares already lost over 60% value........

Which stocks are the major Russian stocks....I want to check something

LagosismyHome:


The domiciliary care work industry don't pay for travel so you can be driving up and down for work for 15hours but paid 8hours. Its very draining so its also important you are sure of what the work entails before you commit yourself

Now with tier 2, employers are putting payback clause amount if you leave early . ... that i blame home office. They collect as hugh as 2k in fees per employee

hussle of an immigrants no easy. Citizens have more ability to vex and not work

Very unfortunate situation for immigrants from Nigeria....its well

tushqueen:
Where una dey buy tools ooo, I need assorted screw drivers and all various work tools for DIY. I bought a set a year ago from poundland and morrisons, their tips are already chipping off and getting blunt. Where do I get stronger ones please?

Check TESCO extra shops near you.

JavaSQL:
Oh really, for nearly a month nothing on N25 million chai.

How long does it take from the time you apply with the stockbroker to the time it lands in your bank account?

Less than 24hours

emmanuelewumi:



Sorry, I thought he was referring to his coupon

Ok boss

emmanuelewumi:




Not possible.


What is the investment description? Is this your first coupon from the investment?

Did you buy from a Stockbroker or a bank?


Do you have any evidence for this transaction or Investment?

It is very possible.

I discussed that with you before nah

JavaSQL:
Good morning, just to know if it's normal to be owed the bullet payment after 3 weeks of FGN bonds maturity,?
The capital hasn't dropped after 3 weeks.

You have to apply for redemption of your capital with your bank or stockbroker to get the capital of your investment.

CBN will not just pay you the fund until you fill the redemption fund.....this is unlike treasury bills that come automatically at the maturity date.

I have done 3 FGN bonds that matured and that was what l did to get my funds..

Foundwealth001:

Thanks for your concern.
I repeat, I'm very careful and highly sensitive to release my personal information and that of my brother to any1.
For your doubt, you can see the attached screenshots of my brother portfolio.(only 4 pages could be posted)
I'm here to seek the elderly advise of people of timbres and calibers like Pa Emma et al.
For whoever is knowledgeable in portfolio construction will only get the equities portfolio with no name and personal information.
On the other hand, I keyed into your suggestion of seeking brokerage firms opinion.
The only reason my brother detests their opinion is due to their unreasonable recommendations.
My brother mentioned that he was always following the recommendations of Meristem and Afrinvest from 2017 to 2019.
Most time they tell u to buy, the stock crashes in price, when they tell you to sell, the stock begin to appreciate.
This platform has been a guide to my personal stocks portfolio.
We weren't communicating at the time he was buying most of the stocks coz of individuals differences and sundry issues.
We only re-established communication in Nov 2021. That was when he told me about his portfolio and investment objective of investing for his kids University education.
@ Pa Emma, I just introduced him to NSEMPA today.
I used to be a guest on this platform for years but only registered recently.
I already told him Pa Emma suggestion and he is also reading it as I'm typing this response.
He keyed into investing N1m yearly in fixed income funds, since he can afford it.
He still insists on a neutral expert who can reconstruct this portfolio without sharing of personal informations.

am just thinking how a person with such a portfolio over the years wont have enough financial knowledge on how to re-balance his portfolio and plan ahead.....my thoughts only....

your so-called brother should visit reputable financial institutions like UCAP, Stanbic IBTC etc for guidiance.
The fee they will collect is their professional investment advice as a professional body

Its very risky seeking such advice on a public forum like this as advised already...my 1kobo advice...


....all the very best for you and your brother....

mizGene:
What are the merits of registering for the dbs update service? @mimilyrics and Co. I assumed all employers paid for it...
The official site claims it saves time, but the one I did this Jan, got a response in 1 working day...which time do they want to save again?

Yearly renewal with update service using direct debit is £13

Paying yearly without update service is about £54

Choose the one you prefer.....

Lexusgs430, how do you see Southern Copper Cooperation plc (SCCO), I entered yesterday. They are into copper mining that is very important for EV cars and also has a good dividend payments.