₦airaland Forum

Please am interested, this is my number 08035483183

Sold Out

A Nigerian used Toyota Corolla is available for Sale, Engine, interior, body, tires and gear are in top condition ....you can reach me on 08035483183 for more info.
Just buy and drive

Asking Price: 2M
Location: Ketu, Lagos state

Biglol008:
Good afternoon Nairalanders, pls I need your advice. I’m married 28 years, no children yet. Newly wedded, I have a problem. I don’t last long on bed. I cum very quickly and it takes a long time like 4 hours for me to get another erection and most times it’s not very hard like my first erection.

I was told the nitric oxide in my body is low. Pls I need help. How do I boost my nitric oxide in my body or if there are any supplements let me buy.

I’m afraid if I don’t do anything now my wife might eventually cheat in the future. I no longer have my morning erection like some guys do. I have exercise, did ginger, garlic, bitter Kola nothing seems to be working.

What can I do to remedy my situation. Pls no talk of hospital health wise I’m very okay. No diabetics or anything no infection pls help me so I can save my marriage and my myself.

Why don’t you try the makana sex diet, you will see results in two weeks

pryme:
what does MASSA mean

It is a money management system that help you plan your stake so you don’t lose all your money in case of any eventuality

Today’s first game won already...... more games dropping soon

AbdulMagaji:
You have what will give you millions of Naira in just few days.

Why would you want to share it with people?

This is sport betting and must be strictly followed, my strategy is not a get rich quick stuff, but you will see your progress at the end of every week. Games will soon be dropped

Calm down guys, let not fight over it. Everyone should join the group posted above and observe the winnings in the group

The success rate has really been amazing, join me as we win together.....cheers guys and let’s not forget that our official bookies is strictly 1xbet

AbdulMagaji:
I want to give you money to bet this sure games and at the end you will return my money + 70% as profit.

You will have to stake yourself because currently I have so many accounts am managing but I want you to trust the process, we had 5/5 3 days ago, 5/5 2 days ago and 4/5 yesterday

AbdulMagaji:
I have a question!

What is your question

Join using this group link


https://chat. whatsapp.com/KrrYcTGRPOv1WsJ6gbkLcQ

We are going to be using a strategy called Massa
First things first.. The strategy could be used on all areas involving money making... Deploying it into betting.

Where I would Come Into Play
I would be your Guild in betting investment... I will be dropping games ranging from 2 odds of about 3 to 4 games daily with about 90% winnings

*Basketball 🏀 Millions Project*

Target 🎯: 18/30
Average Odds: 2
Capital: 5k
ROI: 5.53 of ur Capital
Source: BB
Bookies: 1xbet

Stage 1
*5k returns 27k*


Stage 2
*27k returns 149k*
_Save 49k_

Stage 3
*100k returns 553k*
_Save 153k_

_Then 400k to 5M on each successful stage._



Join here if you wish to participate.

https:///KrrYcTGRPOv1WsJ6gbkLcQ


Power by Sirvic

🏀🏀🏀🏀🏀🏀🏀🏀

Christian16:
I would add you now

Thanks for adding me to the group

Christian16:
Group chat created

Please add me to the group 08035483183

Every other person interested can drop their number

Christian16:
Bet 2 lost..

Can we open a Whatapp group for a more coordinated purpose of staking on games starting this weekend,

Christian16:
King Compounding Strategy

Stage 1 : Bet 2= 376E208D4

Let’s have a WhatsApp group for this to be more coordinated, am interested in this

Hit me up for your sure 3 odds tomorrow

SMARTMOTORS:
I need 3 sure odds tomorrow to stake 100k...10% will be yours after winning

Moh247:
Second Niger bridge

Standard guarge rail line

Lekki Deep Sea port

Soon to be completed Dangote Refinery

Lagos Ibadan express way

Sango Ota Road rehabilitation

Lagos Monorail

You too like suffer, are these not basic amenities the government should provide for their citizens, these are already being used in other countries and it what u are celebrating.....
Abeg shit if u don't know what to say

In Response to this thread

https://www.nairaland.com/7439684/annual-rent-shouldnt-exceed-two

There are two ways to determine
1) Below 30% of your monthly income
2) 50/30/20 Rule

Read and lemme know what you think


In this article, we’ll go over how much of your income you should be spending on rent and why. Keep reading for all of the details or navigate to the sections that interest you most by clicking on any of the links below:

What Does Rent-to-Income Ratio Mean?
What’s the Ideal Rent-to-Income Ratio for a Tenant?
How Do You Calculate Rent-to-Income Ratio?
How Much Should I Spend on Rent?
Conclusion
What Does Rent-to-Income Ratio Mean?
The first step in deciding how much you should spend on rent is calculating how much rent you can afford. This is done by finding your fixed income-to-rent ratio. Simply put, this is the percentage of your income that is budgeted for paying rent.



If you have a high rent-to-income ratio, this means that a significant amount of your total monthly income is going straight to rent. If you have a low rent-to-income ratio, on the other hand, this means that only a small chunk of your total monthly income is being used to pay rent. Generally, the lower your rent-to-income ratio is, the better, as this indicates a greater degree of financial freedom and flexibility.

What’s the Ideal Rent-to-Income Ratio for a Tenant?
30% is widely considered to be the standard rent-to-income ratio. If you’re spending 30% or less of your monthly income on rent, then you’re most likely in a healthy financial situation. When you spend more than 30% of your income on rent, you may find yourself limited when it comes to spending on other expenses and putting away money into your savings. As you become too overburdened by housing expenses, you may become house poor.
How Do You Calculate Rent-to-Income Ratio?
Figuring out your rent-to-income ratio is a fairly simple process. You’ll just need to plug the appropriate values into the following equation:

[Monthly Rent] / [Gross Monthly Income] x 100 = Rent-to-Income Ratio %



To further illustrate how it works, let’s take a look at an example of how to calculate rent-to-income ratio. For this example, we’ll say you have a gross monthly income of $4,000 and are considering moving into an apartment with a monthly rent of $1,500.

[1,500] / [4,000] = 0.375 x 100 = 37.5%

So, in this scenario, your rent-to-income ratio would equal 37.5%, which is a bit high. With this in mind, you may want to consider renting a less expensive apartment or start thinking about ways to lower your other expenses.

50/30/20 Rule
After you’ve set a fixed income-to-rent ratio, consider the 50/30/20 rule to round out your budget. According to this popular budgeting rule, 50 percent of your income goes to essentials, 30 percent goes to non-essential, personal expenses, and the remaining 20 percent goes to savings and investments. In this case, rent falls under “essentials.” Also included in this category are any expenses that are absolutely necessary, such as utilities, food, and transportation.



Let’s consider a hypothetical situation in which you make $4,000 per month. Under the 50/30/20 rule, you would have $2,000 (50 percent) per month to spend on essential living expenses and groceries, $1,200 (30 percent) to spend on non-essential living expenses — such as going out to eat or entertainment — and $800 per month to put towards your savings account, retirement accounts, and other investments.

There are two ways to determine
1) Below 30% of your monthly income
2) 50/30/20 Rule

Read and lemme know what you think


In this article, we’ll go over how much of your income you should be spending on rent and why. Keep reading for all of the details or navigate to the sections that interest you most by clicking on any of the links below:

What Does Rent-to-Income Ratio Mean?
What’s the Ideal Rent-to-Income Ratio for a Tenant?
How Do You Calculate Rent-to-Income Ratio?
How Much Should I Spend on Rent?
Conclusion
What Does Rent-to-Income Ratio Mean?
The first step in deciding how much you should spend on rent is calculating how much rent you can afford. This is done by finding your fixed income-to-rent ratio. Simply put, this is the percentage of your income that is budgeted for paying rent.



If you have a high rent-to-income ratio, this means that a significant amount of your total monthly income is going straight to rent. If you have a low rent-to-income ratio, on the other hand, this means that only a small chunk of your total monthly income is being used to pay rent. Generally, the lower your rent-to-income ratio is, the better, as this indicates a greater degree of financial freedom and flexibility.

What’s the Ideal Rent-to-Income Ratio for a Tenant?
30% is widely considered to be the standard rent-to-income ratio. If you’re spending 30% or less of your monthly income on rent, then you’re most likely in a healthy financial situation. When you spend more than 30% of your income on rent, you may find yourself limited when it comes to spending on other expenses and putting away money into your savings. As you become too overburdened by housing expenses, you may become house poor.
How Do You Calculate Rent-to-Income Ratio?
Figuring out your rent-to-income ratio is a fairly simple process. You’ll just need to plug the appropriate values into the following equation:

[Monthly Rent] / [Gross Monthly Income] x 100 = Rent-to-Income Ratio %



To further illustrate how it works, let’s take a look at an example of how to calculate rent-to-income ratio. For this example, we’ll say you have a gross monthly income of $4,000 and are considering moving into an apartment with a monthly rent of $1,500.

[1,500] / [4,000] = 0.375 x 100 = 37.5%

So, in this scenario, your rent-to-income ratio would equal 37.5%, which is a bit high. With this in mind, you may want to consider renting a less expensive apartment or start thinking about ways to lower your other expenses.

50/30/20 Rule
After you’ve set a fixed income-to-rent ratio, consider the 50/30/20 rule to round out your budget. According to this popular budgeting rule, 50 percent of your income goes to essentials, 30 percent goes to non-essential, personal expenses, and the remaining 20 percent goes to savings and investments. In this case, rent falls under “essentials.” Also included in this category are any expenses that are absolutely necessary, such as utilities, food, and transportation.



Let’s consider a hypothetical situation in which you make $4,000 per month. Under the 50/30/20 rule, you would have $2,000 (50 percent) per month to spend on essential living expenses and groceries, $1,200 (30 percent) to spend on non-essential living expenses — such as going out to eat or entertainment — and $800 per month to put towards your savings account, retirement accounts, and other investments.

Oyindamolah:
Your annual rent shouldn't exceed your two months salary. If it does, you're in the wrong apartment.

Gistsme1:
Video

https://www.youtube.com/watch?v=SOdAFWjTO4o

Peter Obi and his team needs to do more in the North, the East and South already in the bad. He should focus his energy to theNorth and south

She is making nigerians proud, 100,000$ in the bag, her family no go suffer again. God don do am for her

you didn't add fish and meat, abi you wan dey eat without animal
egg and plantain, abi you no wan add nourishment for the food......vitamins
and not to forget cook different kind of soup at least 4 times in a month that is different type of soup in a week

And there's no way am gonna eat 1000 food in the morning and night
So maybe you recalculate again

Deepocean:
No matter how, cooking will always be cost effective.

For you to eat satisfactory in any mamaput these days, you will have at least 1,000

Let say you want to eat 1,000 food in the morning, eat snacks of 300 in the afternoon and another 1,000 meal as dinner.

This will amount to 16,100 in a week and 69,000 in a month of 30 days.

Now, if you use 69,000 to get raw food.

Analysis: If you look out to fill your gas from the seller selling in bulk you will fill at an average of 700/kg. You will fill 12.5kg cylinder with 9,000 transport included.

Out of 69,000.

1 12.5kg gas +transport fare = 9,000

1. ½ bag of rice = 15,000

2 Bean = 5,000

3. Semi 10kg = 6,000

4. Garri = 3,000

5. Yam = 5000

Ingredients for cooking soup eg: Palm oil, seasoning and others =5,000

Balance = 26,000

Out of the remaining 26,000
Budget 4,000 for soup and the transport fare to buy the ingredients every week.

Remaining 6,000 can be kept for miscellaneous and evening suya and Pepsi while returning from work.

DISTRESS SALES

TASTEFULLY SMART TERRACE DUPLEX AT AYOBO

A Contemporary 4 bedroom duplex available

KEY FEATURES
4 en-suite bedrooms
2 Sitting rooms
Parking Store
Visitors Gent
Smart homes readiness
Ample parking space
Spacious bathroom
Unique design
Spacious and Fitted kitchen with modern cabinets

PRICE : N30M

Amule bus stop, Ayobo

DOCUMENTS ALSO AVAILABLE

Broker fee 5% applied
Whatapp/Call 08035483183 for inspection

ULiTv:
.
Yes o, I am planning on doing that in the future.

How do I get one of this

Dozieson:
Run ooo

Am already On the run

skywalker240:
Thanks for this Sir

The Civic goes for 650k the Corolla is 1.4m

What do you think about the great difference between the prices? Is there something sinister about it?

Where can I get the civic for 650k