₦airaland Forum

LoJ:
Let me share you a story.

3 years ago, I discovered that in a specific country lets call it country A, loans where offered at 5% annual interest rates for a periods of 4 years, provided you meet certains requirements. Then I knew that in Country B, businesses where looking for loans and were ready to pay 3% monthly interest rates for a period of 2 years.

Now you can calculate the annualized compounded interest rates. This was a Huge opportunity.

So I teamed with a person that met the requirement of Country A, took the loan over there, and lended it out in country B. Let say the loan was 3 Million naira (it was well beyond that). Make calculations yourself, and see how debt can make people passively rich.

Just note that when u are leveraging debt, debt is not leveraging u.


Debt is a like a crowns with debris hanging over your head. You might think things are going swimmingly well, until suddenly the thread breaks and everything goes down the opposite. You might be a multi-millionaire, asset-wise, and the next day find it's all gone. The reality is it was never yours. With debt, remember any reductions in value come off your bit first. Iterate that and you'll understand why it can all disappear in a thrice.

LoJ:
You still do not understand the way to become rich.

Simple question: what happens to the money you save in a bank or at home? The bank gives it to a wise man like Dangote who will spend it wisely and become rich. He will pay back with 15% interest rates, while the bank will give you 2% interest rates. Who is the loser?

Money saved at home gets eaten up by inflation or stolen or lost, who is the loser?

If you save 100k every year, how long will it take you to become a billionaire? If you sell 100 sweets to 10k people with 60% benefits and a turn over of 2 months how long does it take you to become a billionaire?

To become rich is simple: at the basic level, use your money to buy appreciating assets and minimize unnecessary liabilities. Then you become richer.

At the superior level: use debt to acquire appreciating assets. For tax purposes this is key.

Dangote took a loan of 400k to invest (spend) and that's how he started his journey.

Maybe you should start by defining what is the meaning of being rich?

Getting rich in times of monetary value.

well it depends on what u do for living . saving can be quite impressive . for example recurring Deposit scheme is surest and systematic way of building fortune and once matured it can be invested in fixed deposits. Salaried persons have statutory deposits like Provident Fund and at the time of retirement they get lump sum amount.

But professionals and self employed persons do not have such advantage. So they have to build their future in both investment and saving steadily and systematically to become prosperous.

The book emphasized on this mantra for becoming rich, it state cut down cost and save and likewise invest. and with investment, this is the principle...

Greater the return on your investment ….. greater the risk.

Lesser the return on your investment…… lesser the risk.
so it is left for u to decide....

i will rather go in for mutual funds rather than borrowing, debt is like digging a hole, the more u tr y to fill it, the more it get deeper. in Nigeria bank charge on borrowed money is about 21 percent which is enough to render u poor again . mutual investment is clever and one of the risk averse method in investment avenues and you may get a better gain with little bit of risk depending upon which fund you choose. I will only go in for a debt on a very low interest . acquiring debt will only make u a middle income earner.

Dangote only invest in a commodity that pay back quickly, the more u sale, even if it is a little price value, the turnover increase and so ur wealth.

Crysthaniel:
Okay. Why is such a huge gulf between us and the animals we may have evolved from?
1.we love
2.we are spiritual
3.justice
4.mercy
5.power
6.wisdom

some observed animals too have shown tendency of all what u listed .

budaatum:
That's nlp, in a nutshell. Some have claimed the same process applies in prayer. When a prayer prays regularly and consistently for the same things, their whole being is reprogrammed to make those prayers come true. I doubt hypnotism is a part of it though, as it involves conscious effort on the part of the person being coached.

A kind of placebo effect i guess. scientist are still yet to understand why it works.

LoJ:
I doubt that this technique would make anyone long lastingly rich.

First of all that book gives the false notion that rich people get rich because they save a lot and live a frugal lifestyle. That's actually the worse way to become rich and the most difficult of it all.

Savings are for losers. What do you think happens to the savings of an individual? It is used by people to become richer.

The easiest path to become rich is spending well beyond your means (using debt). Even your own Dangote used that principle.

i also do not quite agree with u. i think the concept the book is trying to portray is very simple. whether u earn 5000 / day or 5000000 / day. The thing is that as you go up in expenses you typically have expenses that are not essential so it's easy to cut things to get under your income to make living sustainable. Poverty is just when you don't earn enough to maintain essentials. You earn 5000 / day but it costs 60000 / day and there is no way to make it any cheaper.

So many people who try to act rich in spite of never becoming rich (which you can become only by wealth accumulation). Buying the latest SUV does not make you rich. But saving or investing the money can. i have seen man poo people who t to impress b spending beyond their cut,visit malls,parks or other social gathering places... people live way beyond their income. the run into dept and found it had to recover.

for instance in Europe , you will see people living extremely frugal life (going through the ordeal of taking public transport just to save bill, for example) in spite of having years or even decades of living expenses in savings. In contrast, some other families live a super-cool life as you can imagine while paying more than half of their income on interest. It is the former that accumulates wealth, it is the later that consumes wealth from their own future.

if u live on a third of the income (even if that means sharing an apartment ), save a third, invest the rest has a potential of bringing in changes.

Are sure dangote do not save? there is a system in finance called ''payback method'' . if u study dangote business enough ,u will see the effect of this concept in his business.

hopefulLandlord:
I actually have the book, started reading it but circumstances made me stop for a while and I forgot about it. I'll get back to reading it soon enough

but is this what you mean by the ritual in ATR?

i am not talking about ATR here...i am just giving how psychology can be used to programmed our mind to bring forth financial breakthrough.

budaatum:
Are you familiar with neuro linguistic programming? Would you say it relates?

No. but i just read about it now..... i saw so many similarities . Technically expert use language or an other symbolical format to change our subconscious programming which affects our feelings and neurology.....

for example if we change the way we see things (in our memories / recorded movies) or the way we feel about things (reframing how we interpret what something means about us) then it completely changes how we feel and react in a given situation or react to a specific trigger.

can an NLP coach hypnotized?

nwabekeyi:
I know, if we share 97% DNA with mouse, does that not also suggest that we have same evolutionary line and we must have evolve from them in one way?

Think about it, our DNA sequence would have been totally different

No Scientists do not say that humans evolved from mouse nor chimpanzees. This is what scientists say:

“ About 8-9 million years ago, the descendants of the dryopithecines in Africa diverged into two lines--one that led to gorillas and another to humans, chimpanzees, and bonobos. Around 7 million years ago, a further divergence occurred which separated the ancestors of modern chimpanzees and bonobos from the early hominins (human-like primates) that were our direct ancestors''.

http://anthro.palomar.edu/earlyprimates/early_2.htm

Both plant and animal has an amount of DNA similarities not just human. we are all decedent of LUCA which to me shows representation of trademark. every manufacturer will like to put his label on his product

budaatum:
Only one thing? I bera te pa mo 'se!

i like u bro......in ScienceWatch voice. '' budaatum the most advanced atheist ''

budaatum:
Foly, I hope you don't mind my borrowing. It is rather apt.

this one thing i like about u.

nwabekeyi:
I really didnt understand what you are driving at but to save ourselves from the circular movement please can you tell me in your own understanding the differences between mutation and evolution?

loaded question fallacy

SoundLock:
Humans didn't evolve naturally from primates.

I'm not against evolution, I think it's a scientific reality, but one that occurs slowly over an extremely long period of time.

Science tells us that humans evolved from a line of primates. This is what I want to disprove. My refusal to accept this theory is that it is practically impossible given how different humans are from other so-called prehuman primates, and also given the extremely short period of time in which these drastic changes associated with the evolution of man(homo sapiens) couldn't have possibly occurred all at once.

Stop seeing it as something progressive. Evolution is not progressive. We are not more evolved than the cedar tree. Evolution produces a tree, not a ladder, representing organisms that are all evolved to adapt to their niche for that time. All science does not rely on controlled laboratory experiments. But still, many aspects of evolution can be studied in lab and observed in. check this fascinating article about an experiment in rapid evolution .nature.http://news.harvard.edu/gazette/story/2014/02/evolution-in-real-time/

nwabekeyi:
In providing your proof, kindly explain why we share 99% of our DNA with chimpanzee with verifiable facts sir

becareful with this line of thought, we also share about 97 of our DNA with mouse and just half with a parent but that does not make us chimpanzee than our parent when say we share 99% of our genes with chimpanzees, we mean that 99% of our alignable DNA sequence is identical. Thus, chimps have some genes that we don't, and we have some genes that chimps don't. A example is the gene MYH16.

hopefulLandlord:
Tell me more

“'A part of all I earn is mine to keep.' Say it in the morning when you first arise. Say it at noon. Say it at night. Say it each hour of every day. Say it to yourself until the words stand out like letters of fire across the sky.” anonymous

Those who follow this mantra spend less than they earn, and by the laws of mathematics, on average, they can't help but grow wealthier.

Get this book as well. it will explore u psychologically toward financial breakthrough

https://www.goodreads.com/book/show/998.The_Millionaire_Next_Door?ac=1

vaxx:
i was expecting a biological answer and not some general explanation.

Anyway let me give a shoot. Alteration in Biology is a changes in the structure and function of cells, tissues, and organs in response to harmful outside influences (mechanical, thermal, electrical, chemical, and others).

Alteration develops gradually. In its first stages its manifestations are reversible, but prolongation of the effect of the harmful agents may bring about the death of cells and tissues. Structural damage in alteration—paranecrosis—is due to changes in the state of the cellular colloids. Alteration of irritable tissues—nerve tissue and muscle tissue—is accompanied by changes in irritability. What is termed lesion potential occurs in response to the increased permeability to ions of cellular membranes in the altered region. This brings about the appearance of lesion currents. . https://encyclopedia2.thefreedictionary.com/Alteration+in+Biology

pay attention to the boded part, how do u scientifically deduce it?. And to my earlier question . look up?

nwabekeyi

SoundLock:
Please observe the above images carefully. They are arranged in the order:

Homo-habilis
Homo-heidelbergensis
Homo-rhodesiensis
Homo-sapiens (us)

According to orthodox science, the first three primates preceded us. The homo habilis evolved around 2.4 million years ago. Homo- heidelbergensis walked the earth around 700,000 years to 300,000 years, while the Homo-rhodesiensis walked the earth around 400,000 - 150,000. Humans are said to have evolved from either of the later two around 300,000 years.

Now compare those skulls. If you do this comparison carefully, you'd see that the human skull is significantly different from the other skulls - It doesn't possess that defined protruding brow ridge and it's jaws aren't pushed out. The eyes if examined closely are also different as they aren't built for nocturnal vision like the others. Another important difference is the forehead. All the other skull do not posses protruding foreheads. Only the human skull does.

For over 2.3 million years of evolution the facial morphology of primates stayed similar. But just between 700,000 years and 300,000 years during the evolution of humans, science wants us to believe this facial structure transformed into that that of humans. It's preposterous to believe such changes would occur over a short period of time, especially given that it stayed the same over 2 million years. The evidence points only to two possibilities - The acceleration of the evolution of primates (hence creating us) through advanced forms of genetic engineering or the creation of humans anew.

please have u personally read Darwin theory of evolution? if not please do. it is very interesting. Darwin itself is a good orator . so the evolutionary theory is different from other science books that are mostly boring .

Now to ou postulation ,in actualit, the name homo erectus was given to“Java Man”, it was discovered on the island of Java. An older fossil which sas it is about 1.9 million years ''Turkana boy'' it was discovered in pat of Africa. the name that was primarily given to him was homo erectus also, but eventually was called homo ergaster. cuentl the name homo erectus is now used as the species named for several additional fossils found in SE Asia though some still maintain homo eagaste.

The is a compelling evidence that Homo sapiens evolved in Africa. in practical , that would make homo ergaster the ancestor. nevertheless, many literature on this evidence still refer to Homo ergaster as homo erectus”. It is just some terminology thing.nothing much

Evidence of several transitional fossils in Africa indicate that the ae intermediate features between Homo ergaster and Homo sapiens, or a mosaic of features of homo. ergaster and homo sapiens. it is this transitional individuals lumped into separate species called Homo heidelbergensis.

In either case, homo sapiens evolved from Homo ergaster known as homo erectus (Africa). The difference is whether there is an intermediate species caled heidelbergensis — in the family tree. So homo ergaster would be our “father” or “grandfather” species. note that facial formation too and bod chemist is also pat of evolution. do not be disturbed b their skull shape.

some anthropologist also says rhodesiensis is a subgroup of heidelbergensis. (many science literature i have personally read accept to this concept) but it leaves us with the problem of a single species with very different looking and acting people on its beginning and end as u are ting to prove

in conclusion, there were probably only one species of archaic Homo at any time, but the first wave out of Africa was named erectus/eragste, the second heidelbergensis, and the third sapiens, and they look different because of the changes that took place over time. The erectus found in Asia did not contribute to our genome, but their relatives who stayed behind did, so u can give it any name of u choice.

http://www.efossils.org/species/homo-ergaster

johnydon22:
I'd rather we avoid confident remarks such as this. What we are all sure of at this juncture is that we are not certain of our speculations.

No one is absolutely sure of anything. anyone arguing from that side of argument is only talking base on ignorance... what we can do is giving an insightful argument or evidence such as what we have in science. i do not also welcome this idea of the op but i am following the thread just to learn and also contribute my thought.

beejaay:
Thank you!!! you should know that no one have the power to alter your state of consciousness with your permission (this is me talking from mystical point of view which is impractical in the real world)

u are ignorant..... Educate yourself to know what psychological influence entails and how it can be play around. u sound brutish to me to engage with in a civil discussion. bye.

hopefulLandlord:
interesting
what you're saying is that there's some ritual that can make you more ambitious, driven and put more effort. you're saying that's what certain people spread around as money ritual which they tell us makes money appear mysteriously to whoever partakes in it?

What are the consequences/repercussions of partaking in the ritual you're talking about?

I'm just wondering why our people aren't partaking in that type of ritual and it seems the traditionalists that I know and those presented in movies are usually living in squalor.

Should we move this to the ATR thread?

I will appreciate that... in actuality there is nothing like money appearing from no where, it is just a way to swindle some gullible individual... the rituals i am talking about is nothing mystical , just some kind of symbolical format of exercising and changing your thinking pattern and character ''behavior'' toward financial breakthrough.

beejaay:
abeg stop your stupid rhetoric..who do you think you are talking to? a person with IQ below 120i am far above your myopic and ignorant innuendos...bring it on if you believe all this jargon you are spewing, let me be metamorphosis physiologically like you claim....abeg shift go one corner jare.....rituals ko odun ileya ni

I am sorry to intervene.

beejaay:
ever ready provided that the initial condition hold ""the said I will run mad and there is no threat of life""

Do not accept foolish challenge, you can be metamorphosis physiologically, they are people that are expert in it. in practical there is nothing like money rituals but in theoretical there are valid rituals that act as symbolic reminders to your subconscious and "programs" it; these rituals influence your subconscious so that your subconscious reinforces your efforts at the task at hand . it is what drives your behavior to manifest ambitions. All are just some kind of psychological work.. Hopefullanlod u will not be there when it happens.... advice him instead.

Before giving a shoot, i will like u to continue with ur evidence.....SoundLock

SoundLock:
I decided to create this thread because I was urged to by Johnydon22. I also decided to do this because the information I am about to share is vital to the growth of human consciousness and it has the capacity to illuminate our understanding of our origins and occluded past.

This information is for everyone. Whether you are a christian, muslim, atheist or pagan doesn't matter. I just ask that you all keep an open mind.

cc
Nwabekeyi
Vaxx

Present sir

Nigeria yet to understand education structure, despite the number of academia in the country....

Ghana first initiate this development, Nigeria just follow without looking at the flaws and better it for their own advantage. if you want to plagiarized idea, do it brilliantly. what is the essence of ND again? it is almost useless. it has a less international recognition. Better still, cant we scrap polytechnic completely and initiate a professional technology based institution that will be supervised by the already established industry . This is how country such as Germany become a technological hub.

MuttleyLaff:
vaxx, I will try and give a short version of the explanation after hearing your reply to this question:

Are you familiar with scripture or verses in the bible?
If you are, then I'll drop, say, two verses, that will give a penny drops moment and clear the matter up

vaxx, you see, the challenge we have, is that majority dont seem to appreciate that the New Testament is written in Greek
and the Greek language has its fair share of different sort of tenses.
People read the bible, ignoring the tenses, at their peril

Now that you've relearned, there is nothing stopping you from starting to use Yahushua instead of Jesus, which "morphed" from Iesous

nwabekeyi, repeating, it dont matter, so long as the variants of the name Yahashua used, doesnt have unpleasant and/or offensive connotations of mockery

Yes but am still a student willing to learn, but i think the angle apologetic use in claiming bible is written both in Hebrew and Greek respectively and hence if a reader must appreciate it, he will need to further his understanding in these language is a little tricky and a way to cover the truth, this was also the claim of the catholic in the middle ages when the entire bible was available in Latin apart from the two main primary source, the church do claim people needs Latin understanding to get what really the bible is portraying . but in this days of internet, it is easier to search for the meaning of a language now. a little google search will do justice.

i respect your theological intelligence and that is why i mentioned u.

MuttleyLaff:
We arrived at it, the same manner we arrived at having the following different forms/versions of the name Michael:

- Mikhail (Gorbachev)
- Micheal (Jackson/Bloomberg/Jordan/Caine/Douglas/Phelps/Owen/Spinks/Palin/Hutchence/Schumacher/Ibru)
- Mike (Tyson/Myers/Adenuga/Lazaridis/Pence),
- Mukaila (Sanyeri)
- Mikail
- Mihal

---

- Michelle (Obama/Pfeiffer/Bachelet/Gayle)

It dont matter, inasmuch as the variants of the name Yahashua, doesnt have unpleasant and/or offensive connotations of mockery

If people can call me all sorts of monikers, yet I somehow get to know about what I've been called in posts
and sometimes or not, reply back to the post mentioning me with a variant of my moniker,
then what's it to God, if He is called using a variant of the name Yahashua.
It's no biggie, as like God says: I know My sheep... I know them....

enilove, Butterflyleo and johnydon22, gave it impressive good stabs

vaxx, it's going to be long-winded explaining how we got to Jesus from Yahashua.
I think it was johnydon22, who gave hints about it without giving the further details (i.e. when and where he mentioned Joshua)

i will appreciate further explanation here.

nwabekeyi:
change in the characteristic or composition of something.

What was your other question?

i was expecting a biological answer and not some general explanation.

Anyway let me give a shoot. Alteration in Biology is a changes in the structure and function of cells, tissues, and organs in response to harmful outside influences (mechanical, thermal, electrical, chemical, and others).

Alteration develops gradually. In its first stages its manifestations are reversible, but prolongation of the effect of the harmful agents may bring about the death of cells and tissues. Structural damage in alteration—paranecrosis—is due to changes in the state of the cellular colloids. Alteration of irritable tissues—nerve tissue and muscle tissue—is accompanied by changes in irritability. What is termed lesion potential occurs in response to the increased permeability to ions of cellular membranes in the altered region. This brings about the appearance of lesion currents. . https://encyclopedia2.thefreedictionary.com/Alteration+in+Biology

pay attention to the boded part, how do u scientifically deduce it?. And to my earlier question . look up?

Muttleylaff i think ur presence is needed here

nwabekeyi:
mutation caused by mutagens are not significant in evolution, mutation caused by DNA replication is significant

Good we are making some progress . what do u understand with the word alteration? however u seems to dodge my earlier question
>






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LosVikingos:
Vaxx, what do think about this?

I have heard a similar case here in Nigeria, and now this is Zambia, can this be real or not?

Dismiss the story. It is a complete hoax just to brainwashed some gullible individual.

johnydon22:
Our intelligence walks hand in hand with our doom.

what is the way forward bro?

nwabekeyi:
before we started this debate remember you were talking about adding to a DNA and not a gene, if you want talk about gene addition then that's another thing entirely.

Now I want to be sure If I got you wrongly, were you talking about Addition to the DNA cell or a particular gene?

I am taking about alteration. gene mutation is all about alteration, the gene mutation is the alteration of the nucleotide sequence of a gene right.Mutations itself is caused in DNA replication or mutagens such as UV and chemicals . i gave an article to back it up . is this alteration i am talking about. do you even go thru the article i am posting to u.