₦airaland Forum

Who is She

I can't wait to vote out this National disaster out of power.

Why won't they detain him..Shebiii. He was very busy shouting boo, wooooo, boooo to Buhari when he was reading End of the year report...

"Don't He Know that Buhari Is the best president ever





Yeeeehhhh. *Who slapped Me again"...

Nice one...



But,If rats can chase a whole sitting president of Nigeria out of office temporary... Then who am I to complain whenever rat sneaks into my house.

PDP and APC are the same...just that APC wicked pass.


On the contrary,
"That moment u re struggling for food at a wedding and
mistakenly disconnect the speakers wire with your leg and All eyes on u."

You go bellefull under 3sec..

Yesss...I said it...The strike will end soon.

Buhari is the best President Ever.





Yeeeehhhh. *Who slapped Me"...

The10thMan:
I Was 26.

Graduated school in 2004. Just before graduation, my mother had advised/suggested that I learn a vocation. ''Handwork'' as she calls it. But for reasons I cannot recall, I did not. A resourceful woman that she is. She knew that a craft or skill could always put food on the table when the chips are down with respect to a graduate's certificate. During NYSC, I taught in a remote village and learnt French. With respect to entrepreneurship, I only thought of buying cheap food stuff and sending to my home state. But I never pulled this through. Eventually, (both during and after NYSC) I choose to apply for various jobs. Any that was available. I needed seed capital for my dream. I recall trekking Trans Amadi Industrial Area in PH dropping CVs to companies. Many oil and gas servicing firms were there. Out of desperation,I even went to Primary and Secondary Schools to look for teaching jobs. Come see their shakara untop my 4.01 Second Class Upper. But I couldn't be bothered. I knew I needed to get a job first, then raise seed capital even if I wanted to start a business. Background was humble and family was just managing. Wrote various aptitude tests for banks like Intercontinental, other banks, Freisland, Diageo, LNG, etc. And another test with an Oil and Gas Agency. The first job I landed was with a bank. Old Generation Bank still existing today. Got a job as a Banking Assistant-Graduate Trainee. Went to Lagos for 1 month training and was posted to the Eastern Part of Nigeria. While in the bank in 2007, the Oil and Gas Agency finally called. Their recruitment took super long. Left/dumped the bank like crazy. Resigned without thinking twice. Salary in the Bank was 59,000 monthly back then. One of the lowest paying.

In my new job, housing allowance was 1.6 Million annually. Salary about 200k monthly. Not to mention hazard, offshore, etc. allowances. I was 26. I recall I called up my friends in the bank and jokingly told them they are all small boys.. . Teasing them and telling them how if I wanted to I could buy a car every year. By God's grace, Finances have never gone below 1 million naira. Savings alone with Work Staff Cooperative Society is multiple millions. ONE IMPORTANT THING IS I KEEP MY LIABILITIES AND EXPENSES LOW and still do. Never believed in the ''I need to upgrade so people know I have arrived'' mentality. I dont need any man or fine girl to see me as ''A Big Boy''. I successively acquired 4 properties. 2 Lagos and 2 back home. Built first house in Lagos. Added two shops to the front section. Completed and rented all flats and shops out. I still live in a rented apartment. It is cheaper for me to stay there than in my house. However, money in the bank and dormant salary/income doesn't bring returns. Money is a messenger and money doesn't like being idle. You need to send it on good errands to bring more money, and the cycle continues. Also, there is time value of money and money depreciates. With all these at the back of my mind, I urgently needed to transfer a lot of my finances into assets that will generate income. This is still my biggest challenge today. How to identify good investment opportunities. I focused greatly on developing my skills and developing myself professionally in my area of expertise/discipline. I eventually set up a Consulting Firm/Company in my area of expertise with freelance workers. I read a lot, pay for courses myself. I do not always wait for my organisation to train me. All these coupled with work sponsored courses ensured I knew my onions in my field. I love to read about wealth creation and financial intelligence. I have a crazy collection of over 20 books. Kiyosaki, Trump, etc. and I love watching Grant Cardone, Tai Lopez etc. on Youtube at my spare time just for encouragement. My job is still there by Gods grace and I am rising through the ranks. Consulting firm is growing strong. Now Consult for both Upstream and Downstream Companies. Trying my best to brand the company with a good website, good brand image, modernized logo, etc. Currently, I have the desire to open a conglomerate to diversify to various sectors. Picture Dangote Group. Called up a lawyer for advice. I intend to go into a lot of business ventures. Recently, I realized that needed daily revenue. No need to wait till end of month for pay or wait till companies pay for contracts executed. Some companies can owe you for ages on completed jobs. My Consulting brings money but you have to chase contracts and bids etc. Plus, contracts dont come easy. Also, price war between contractors drives down profit margins a lot. So, currently planning to open a Mini Plaza with a lounge anywhere after Ajah Axis in Lagos. Searching for property currently. Need something with daily returns so the idea that I should open my own Lounge/Bar/Cafe with a small plaza for sharwama,asuun,nkwobi, fried potatoes etc.I have always pictured myself closing from work and going to handle my business at the Lounge. Watch customers eat, drink, chat, laugh and merry. That is my next project. Also, intend to follow Grant Cardone's idea-''build multi-family dwelling housing in a property instead of a single family unit''. So picture 1 bedroom self-cons instead of a gigantic big duplex. With the multi dwelling units you are sure of some rent. Intend to do this with the other land in Lagos.


ONE BIG MISTAKE I MADE WAS NOT LISTENING TO MY LATE MUM. Like I hinted, she practically forces all her kids to learn a vocation/a skill regardless of how highly educated you are.All my sisters can sew, cook, bake, make soap, grill fish etc. Personally, she wanted me to learn Welding and Fabrication. Perhaps, I felt I was too educated for it or something, but I never did. Perhaps by now I would have been constructing Sky scrappers and handling huge projects with my current knowledge and exposure.

All in All I am GRATEFUL.

Taken liberty to post a few diagrams to educate people in a glimpse about financial intelligence. How the rich use income to create assets that generate more income. And how the poor use income to create liabilities that keeps them poor. The poor spend money on liabilities. To them that is ''enjoying'' life. The rich spend on assets. These assets are GOODS,SERVICES, PROCESSES that can solve human/society's problems. In Economics, this is called UTILITY or VALUE. Utility can be TIME UTILITY (You help people save time), and/or FORM UTILITY (You produce something in a way people want it) and/or PLACE UTILITY (You bring something closer to people so they easily reach it). Humans naturally want value and so they take decisions on any thing that will give them least risk, least effort, cost them less time and highest value/less money. The wealthy and wealth creators realize this and do not really focus on the money but focus on solving problems (creating utility) which people are willing to pay them money for. The rich get seed capital, invest it to create wealth. The poor/managing get seed capital and buy liabilities that even put them into more debt.

THE WHOLE WORLD NEEDS FINANCIAL INTELLIGENCE AND THE PRINCIPLES OF FINANCIAL INTELLIGENCE SHOULD BE TAUGHT IN SCHOOLS.

Wow!!!

To be Big man good ooo... See 2face.

My aim dis year 2019, is to be madly rich
Am already mad,
It remain rich...

Lets face the fact, "Buhari is the best President Ever."



Yeeeehhhh *Who slapped Me"...

Like for C.Ronaldo

Share for Messi

chai, We know who to blame.

Mr Lifeless is the cause.

New Year, New President

Tallesty1:
What can man do? I was robbed twice on the month of April in the same year that I got fake pins. The only thing that kept me going was the fact that I started with nothing so I believe I can still do it again and I am on course.

Inspiring

HardMirror:
This is in response to this wonderful thread https://www.nairaland.com/4852491/how-old-when-made-first

After going through the thread i realized that many had made money but lost all or a good chunk.

This is my own story.

Abattoir Investment


As a student in Futa, i usually patronized a butcher called Nurai at the abattoir behind Chicken Republic at FUTA Junction. The guy was very nice to us and always gave us extra meat to what we bought. When i had my first major breakthrough, this guy was the first person that came to my mind.

I gave Mr. Nurai 500,000 naira as investment into the business. The man lost all the money within a few months. I still like him and i know he did not do it intentionally but it was a big blow to my finances when i needed a backup source of income.

business agreement with a nairalander i wont mention his name, but i had an agreement with a nairalander, but i suspect he diverted the money into mmm. Long story short he still owes me 400k after refunding about 600k to me.

Ministry of works contract
Never take a contract during elections. Goodluck Jonathan awarded lots of contracts a few months to the 2015 elections. I got several road furnishing contracts November 2014. Unfortunately we had to borrow money to do the Job. Lost about N7million there. Government still owing us 54million (i did it in partnership with another company in Abuja) it was a massive blow and my worst mistake in life not just business.

What is your own story? Be honest and detailed so we can learn from each other.

Bet9ja/ Virtual Sports bet.

Lost 350k.

Pathetic

That moment u re struggling for food at a wedding and
mistakenly disconnect the speakers wire with your leg and All eyes on u.
You go bellefull under 3sec...

BizBayo:
Bro, the days of BBM na hin bad pass. You go dey follow girl chat like this, she go just delete your contact while you are typing, fiam. Immediately you go remember say there is an event called rapture.

Lolzzzzzzzzzzz....I can relate with that

Happiness is when u thought you've eaten the last akara, but u touched the nylon and feel one...

So all of you who say a breakup is painful, have you ever been removed from a whatsaap group while still typing?

What if we keep sharing it and they did not see it?

One the contrary, So all of you who say a breakup is painful, have you ever been removed from a whatsaap group while still typing?

Heartbender:
OLIC5 was sold out even though in his recent feature, Logo Benz, Olamide made it known that he supports money rituals if legitimate means of hustling doesn't pay.

Wizkid is a dead beat father whose recent sexcapade is with a traumatised woman still legally married to her estranged husband

Yet, the youths, cursed by both God and man, celebrate them with gay abandon. Same youths who can't be in God's presence for little over 2 hours and follow the blind to desecrate the godly things and are quick to criticise and haul insults at clergyman for doing their jobs.

I won't weep for anybody. I'm careful where I invest my sympathy. I just pray that when enough is enough and heaven decides to act, my household and I would be spared the wrath of God

Why are you so pained Sir

And she is just coming back from Church...

End time things...

CAPSLOCKED:
NOTHING EXTRAORDINARY. HE'S ONLY SPENDING A FEW BUCKS FROM THE MILLIONS HE HAS INHERITED FROM POLITICIANS THIS YEAR.

Why are you shouting Sir?

Good one...Damage control.

On the contrary, At the men's fellowship meeting at our church I lost the quiz by one point. ..The question was " where do most women have thick hair"?........
apparently the answer is Africa. ....from the answer I gave they asked me to find another church.....

At the men's fellowship meeting at our church I lost the quiz by one point. ..The question was " where do most women have thick hair"?........
apparently the answer is Africa. ....from the answer I gave they asked me to find another church.....

This man is an embarrassment to Royalty. .

Just as Buhari keeps Blaming Jonathan and PDP...

Waiting concern me,

Pls ,Am looking for the nurse that circumcised my dick .... she deserve an Award .... you need to see the caving*,

Buhari is the best President Ever.



Yeeeehhhh *Who slapped Me"...

I love my country Nigeria...
Full of happiness. Just Laugh and forget your sorrow. My country is the best place you would forever wonna be!
.
Yeeeeeeh!
Who slap me?

On the contrary,


Thats how My landlady brought a witch doctor to our house just because someone stole her live chicken !

The chicken was not even sweet. Mstchewwwwww.