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PropertiesWho Is Really Controlling Your Building Money? by winqs(op): 5:20pm On Jun 02
Every week, thousands of Nigerians release money for construction projects they do not fully understand.

The contractor asks for money.
The supplier asks for money.
The site foreman asks for money.
The owner pays.

But very few people can confidently answer one question:
"How much should this stage of work actually cost?"

This is where many building projects begin to lose money.
Not necessarily because anyone is dishonest, but because there is no independent system for measuring, valuing, and monitoring expenditure.

Imagine building a duplex and discovering halfway through the project that you have spent almost the entire budget, yet the building is nowhere near completion.

Imagine a church project where contributions keep coming in, but nobody can clearly explain how much has been spent versus how much work has been completed.

Imagine paying for materials repeatedly because there is no proper record of quantities required and quantities already supplied.

These situations happen every day.
One of the least discussed truths in construction is that controlling cost is just as important as laying blocks and casting concrete.

A building project should have:
a realistic budget,
a detailed cost plan,
measured quantities,
periodic valuation of work done,
and accountability for every major expenditure.

Without these, project owners are often forced to make decisions based on assumptions rather than facts.

Before releasing the next payment on your project, ask yourself:
Do I know exactly what this money is paying for?

I'd like to hear from homeowners, church leaders, developers, and contractors:
What was the biggest financial challenge you encountered during construction?

I am a Quantity Surveyor involved in cost planning, Bills of Quantities preparation, project valuation, procurement planning, and construction cost control. I welcome professional discussions and project engagements.
PropertiesRe: Before You Start Building, Know This by winqs(op): 5:15pm On Jun 02
LexFlex10:
As a conductor or what grin grin
And so you unveil the shadow you are...
PropertiesRe: Before You Start Building, Know This by winqs(op): 8:26am On Jun 02
LexFlex10:
It seems the situation hasn't reached your area undecided
There's a very high possibility I have travelled this country more extensively than you have.
PropertiesRe: Before You Start Building, Know This by winqs(op): 8:22am On Jun 02
Krucifax:
There are two types of people that build houses. Those that believe that they have sitting the entire sum to build the house and those that believe that have enough to start and their job/business/loans will raise the remainder of the money.

70-80% of house builders fall in the latter category. Thie reality is that if you are waiting for the entire money needed to build before you start,you will probably never start due to unforeseen circumstances and the constant changing of prices. This fact alone is cold truth of every house building project. Its a gamble. Its a risk. You are betting that you will be alive and have enough money to finish.

Like all gambles some pay off and some don't. Its also an unavoidable gamble. Whether you believe it or not if you are building you are GAMBLING and taking a RISK.

Its doesn't matter how well planned you think you. This is because there are no 100% fool proof cost forecasts. You will either go over or go under your projected costs. The best plans are those that have contingency costs factored in. You think it will costs N40 Million but be ready to spend N50 Million. If you can not stomach this reality then thats where problems start.

The reality of building in Nigeria are hampered by these financial problems. Material theft on site. Material market price increase. Fraudulent quotes.Inaccurate quotes. High bank interest rates. Short term bank loans. Defective materials. Building errors. Unreliable artisans.

Building projects are not for the weak and is highly capital intensive. If you are not careful it can lead to permanent financial ruin. Thats why the majority of people in Nigeria don't build and instead rent. If you however can surmount this challenge you will have created a life long asset for you and your future genrations!
While I appreciate your intelligent write-up about no absolute or exact, proper planning with a genuine cost expert actually puts you in a safer situation.
PropertiesRe: Before You Start Building, Know This by winqs(op): 4:20pm On Jun 01
LexFlex10:
Pip through your window, you will understand we've better things to talk about cheesy cheesy
It appears that way, but you see... We are here already and the more we make the best of our presence here the better. We get nowhere by being cry-babies.
PropertiesBefore You Start Building, Know This by winqs(op): 3:00pm On Jun 01
Many people believe the biggest threat to a building project is lack of money.
After years of observing construction projects, I have come to a different conclusion.
The biggest threat is starting construction without proper cost planning.

Recently, I reviewed several building projects at different stages of construction (which I will avoid naming for reasons of confidentiality). Whether it was a residential duplex, church building, school project, or commercial structure, one pattern kept appearing:

The owner had a budget.
Construction started.
Material prices changed.
Variations appeared.
Cash flow became unstable.
The project slowed down or stopped.

In some cases, millions of naira had already been spent before the owner realized the original budget was unrealistic.

One project spent over 30% more than expected because key cost items were not properly quantified before construction commenced.
Another project had enough money to reach roofing stage but not enough to complete finishes because there was no comprehensive cost plan from the beginning.

The truth is that many Nigerians spend months designing buildings but spend very little time understanding what those buildings will actually cost.
A building should not only be structurally sound; it should also be financially sustainable from foundation to completion.

Whether you are planning:
A residential house
A church project
A school development
An estate project
A commercial building
Proper cost planning can save significant amounts of money and reduce project delays.

I am interested in hearing from property owners, contractors, builders, architects, and developers:
What was the biggest financial surprise you encountered during a construction project?
Let's discuss.

About the author:
I am a Quantity Surveyor involved in construction cost management, project estimation, Bills of Quantities preparation, procurement planning, and project financial control. I am open to professional engagements, project collaborations, consultancy assignments, and construction cost advisory services nationwide.
PoliticsHow Inflation Is Quietly Killing The Middle Class In Nigeria by winqs(op): 11:02am On Aug 07, 2025
Inflation is no longer just an economic term for many Nigerians — it is a daily struggle, slowly choking the financial stability of the middle class. Once the symbol of hope, growth, and a secure future, Nigeria’s middle class is now eroding under the weight of rising prices, stagnant wages, and government mismanagement.

According to the National Bureau of Statistics (NBS), Nigeria’s inflation rate hit 28.9% in December 2024, the highest in nearly two decades. Food inflation alone soared above 33%, with basic staples like rice, garri, and bread becoming almost unaffordable for the average household.

For Amaka, a school teacher in Anambra earning ₦70,000 monthly, things were manageable three years ago. “Back then,” she says, “I could save ₦10,000 every month. Now, I borrow before the 20th.” Her rent has increased from ₦180,000 to ₦300,000, her children’s school fees have doubled, and transportation to work now gulps ₦25,000 monthly. What changed? Prices went up, but her salary didn’t.

This is the silent tragedy of Nigeria’s middle class. Once able to afford decent housing, education for their children, modest vacations, and occasional luxuries, they are now being pushed closer to poverty. The World Bank estimates that 63% of Nigerians are either poor or vulnerable to poverty, and inflation is a key driver.

A civil engineer named Daniel, based in Abuja, explains it this way: “I used to eat out with my wife on Fridays, save ₦50,000 monthly, and pay for DSTV Premium. Now, we’ve cancelled cable, eat at home, and I’ve cut my savings to almost nothing.” Daniel earns ₦250,000 monthly, a respectable sum, but when fuel costs jumped from ₦190 to over ₦700 per litre due to subsidy removal, his transport and energy bills tripled.

The middle class is not just shrinking — it's being strangled. The average Nigerian in this group has no social safety net. There’s no affordable mortgage system, no reliable health insurance, and no real investment protection. Those who managed to buy land or build small homes are selling them off to survive.

Inflation has affected every sector .Private school fees have increased by 30–50%. The cost of medications, especially imported ones, has doubled in a year. Ride fares and intra-city buses have more than tripled in many cities. Rent in urban areas like Lagos and Abuja has skyrocketed by 40% since 2023.

The government has introduced policies like the Central Bank’s monetary tightening and the conditional cash transfer programs, but these often exclude the middle class, who “earn too much to be poor” but “too little to survive.”

Unless deliberate policies are enacted to curb inflation, improve wages, and expand middle-income housing and healthcare support, Nigeria risks losing the very class that powers its economy — teachers, nurses, engineers, civil servants, business owners.

This is not just an economic crisis. It is a national emergency. A disappearing middle class is the breeding ground for unrest, brain drain, and generational poverty. If nothing changes, the Nigerian dream may die — quietly, painfully, and unnoticed.
Jobs/VacanciesThe Rise Of Digital Scammers Masquerading As Job Recruiters In Nigeria by winqs(op): 10:09pm On Aug 06, 2025
The Rise Of Digital Scammers Masquerading As Job Recruiters In Nigeria

In the heart of Nigeria’s growing unemployment crisis, a dangerous wave of deception is sweeping through the digital space — fake job recruiters promising desperate job seekers a chance at gainful employment, only to rob them of their dignity, money, and sometimes, safety.

These scammers, often operating on WhatsApp, Telegram, LinkedIn, Facebook, and even job listing sites like Jobberman or MyJobMag, create professional-looking profiles and post attractive vacancies in reputable companies. They use familiar tactics: urgency (“interview today or lose the slot”), confidentiality (“do not share this opportunity”), and fake authority (posing as HR managers or recruitment officers).

Take for example Samuel, a 25-year-old graduate from Benue State, who was invited to Lagos for a “job training and onboarding” by a company claiming to be recruiting for a multinational logistics firm. After paying ₦18,000 as a “training fee,” he arrived to discover the address was a rented apartment hosting over 60 other victims with the same promise. There was no job — just an elaborate scheme to collect money from the vulnerable.

In another case, Blessing, a single mother from Abuja, responded to a job advert for a front desk officer. The recruiter demanded ₦5,000 to “secure her slot” and send training materials. After payment, the number was unreachable, and the job post vanished. She later found out the company’s name was real, but the job offer wasn’t — the scammer had cloned their logo and created a fake email.

According to the National Information Technology Development Agency (NITDA), cybercrime in Nigeria costs the economy over ₦127 billion annually, with job scams ranking high among digital fraud activities. Young graduates, women, and people transitioning careers are especially at risk.

What makes these scams more dangerous is that they’re becoming more sophisticated. Scammers now mimic real HR professionals by using email domains that appear official, even generating fake offer letters with company seals and signatures. They prey on the desperation of Nigerians looking for a breakthrough in a nation with over 33% youth unemployment.

So as not to fall victim, individuals must verify every job offer. No legitimate company should ask for money upfront — not for uniforms, training, or registration. Cross-check names of companies, confirm their websites, and contact them directly. Regulatory bodies must take stronger actions to trace and shut down fake recruitment portals. Schools and youth centers should educate young people on identifying red flags in job listings.

In a country where one job could change an entire family's future, exploiting that hope is not just fraud — it is evil. Nigerians must be vigilant, and tech platforms must act faster to take down suspicious accounts.

Until then, job seekers must remember: any job that demands money before employment is likely a trap. Hope should never cost you your last card.

SportsRe: NFF Pulls Super Eagles From AFCON Qualifier After Libyan Airport Nightmare by winqs(m): 8:47am On Oct 14, 2024
It is well
Foreign AffairsRe: Iran Rushes To Find A Peaceful Resolution As It Braces For Upcoming Israeli Stri by winqs(m): 8:42am On Oct 14, 2024
Targeting their oil fields and refineries may be the best way to curtail Iran's immediate progress and thereby buy years of peace.
Christianity EtcThe Gathering 4.0: IDENTITY. Mp3 by winqs(op): 1:18am On Oct 11, 2024
CrimeRe: Gun Shots At Ibadan by winqs(op): 7:29pm On May 31, 2023
HacheNoire:
That also would have been included in his risk analysis like I mentioned earlier. If he sat down to weigh his options and chances, he would have gotten much required result. He had all the time to plan.
I hope to take into consideration the those who will be sympathetic in the government and police. It's not so easy to sit on a plan and expect it to just go smooth. This is Nigeria. The enemy of governance is often the government.
CrimeRe: Gun Shots At Ibadan by winqs(op): 7:22pm On May 31, 2023
HacheNoire:
I still will still reinstate, GSM had better ways of addressing issue, but he failed in his risk analysis.

He could have just quietly sent Auxiliary back to God without making noise.
The problems with this method is if the secret is leaked and if the government of Auxillary replaces him with someone deadlier which is not impossible as there is definitely a hierarchy structure in place already.
CrimeRe: Gun Shots At Ibadan by winqs(op): 7:11pm On May 31, 2023
Fear catch people o. Children dey ask where their mama dey.

The fear was how long it would last, but we thank God sha. It's like the government expected this.
CrimeGun Shots At Ibadan by winqs(op): 7:03pm On May 31, 2023
There was gun shots this evening at Iwo Road, Ibadan for about 10 minutes with people running helter-skelter. Police were able to cub the menace after some time but only God knows the extent of what has happened. Could be retaliation for government's decision against the Park Disciplinary set-up under Auxiliary.
TravelIbadan Bound Plane Makes Terrible Noise In Air by winqs(op): 8:06pm On Jan 21, 2023
There is this particular plane that makes a terrible sound while approaching the Ibadan Airport. This sound can be heard from ground and it seems no one is looking into it.
What I believe is thatthe sound is as a result of letting out the landing gears in preparation for landing.
We hear this sound almost everyday but do not want to make assumptions on the particular airline.
I may not know much about airplanes, but I believe that sound is due to friction when the landing gears are being let out and the pilot is likely not to know about it as planes are soundproof. In no time, this friction can result in the landing gear not coming out properly or not coming out at all, or the friction lead to a tear in the plane that could lead to disaster.
Please, let's get this information out so something can be done about it. Please, the terrible noise seem to be getting louder these days.
It's a new year and we must avoid everything that can lead to loss of lives. Thank you.
PoliticsWhy It's Obidatti For Me. And You? by winqs(op): 9:47pm On Nov 06, 2022
Ok. On #ObiDatti matter.
Before I decide who to vote for, I need to ask myself certain questions?
1. Does the religion of the candidate matter? NO. I can vote for an herbalist of it means I will be safe to practise my own religion while catering for my family in peace.
2. Does the ethnicity of the candidate matter? NO. I am ready to vote an Ijaw man if he can proof his credentials.
3. Does the age of the candidate matter? YES! Experience and history has thought us that Nigeria is better with a president free of arthritis.
4. So what average range of age can you vote for? Min: 40 - Max: 65.
5. Does past experience matter? YES! Relevant experience. By relevant experience, I mean if the candidate has been president before. If none of the candidates have been president before, then, irrelevant.
6. Does past character traits matter? YES! Once a man is past 40, his characters are set. A leopard can't change it's skin, and a fool at 40 is a fool forever; how much more, a corrupt man at 60 or above.
7. Does educational backgrounds matter? YES! It's a shame for brilliance to be subject to illiteracy, it makes for tyranny.
8. Does appearance and eloquence matter? YES! He is supposed to represent us before nations.
9. Does his exposure matters? YES! I think we need a president who knows something about almost everything and can easily mix up with any category of persons.
10. Does technology matter? YES! For us to be proud of our president, he must be vast with technology and can at least operate his laptop himself.
11. How about past scandals? OF COURSE, he must be free of scandals whether convicted by the law court or not.
12. Which sector best points at who should be president? For me, I believe it's the entertainment industry, because it is outside religious influence. Listening to comedians, song writers, skit makers, sports men and women, who each have great influence with people.
13. Is the election a contest of political parties? NO! Absolutely, No! If we alternate the candidates of the political parties among themselves, the result will be the same. I am voting for people, not political parties. More so, no political party in Nigeria really have a bearing that separates them from others.
14. Does manifestos matter? NO. No one can really tell what will happen until he sits at the seat of power. Only then will he understand what he is in for. But at least he must be someone who can change status quo and not just someone reacting to situations. However, he must have an idea of how he would react to different situations he might meet on assumption of duty.
15. Does governing party continuance help? YES, it does, but only when the party in power is largely loved by the people and the economy of the nation is made great, which is not the case at present.
16. How about his social life, does it matter? YES. I want a president who will attend AYLive to laugh and visit sites of casualties immediately.
17. Does his marital life matter? In a way YES, but unless I am living with the candidates, marital affairs can be pretended.
18. Does his wealth level matter? NO. NO. NO. Riches or average income does not liberate from corruption and nepotism.
19. Does access to him matter? YES. I want a president who is accessible by the people; because, only then would he be responsive and truly responsible.
20. So, based on these, who will you vote for? Well, having considered the above, I believe the best candidate is Peter Obi. And he has my vote.

PoliticsELECTION SCRIPTURE: The Book Of Windapo 2 by winqs(op): 8:02pm On Oct 22, 2022
The Book of Windapo
Chapter 2
1. Then the people gathered at the field of Lekhito-Gat, for to merry in remembrance of the dead as foretold, being the wailing for them killed in the 5th year of the reign of Buhari, the president of the Federal Republic of Nigeria.
2. And there gathered with the people were many prophets for to raise a ruler from the people of the south, but the tribe of Yor desireth their kinsman, Yagaban, to be ruler; and the tribe of Haus, men of the north, were contentious on the matter, as they would that Hatik Habuk would go in and out before them.
3. Then comest Hanuk'Olhwa to me and besotted me on the matter, saying: where stands my lord in these, seeing that none can sit a ruler over the people unless thou blowest thy horn in the temple?
4. Then said I; the young and the old are at edge one with another, the rich and the poor wantest not the same, the mighty and the oppressed comest not together.
5. The gathering at the field of Lekhito-Gat is defiled, the men of war desirest company with princes, whilest the people of Nigeria are at the wilderness of Desitin.
6. In a night vision, as I beheld the matter, I saw one come to me. His head with the brightness of the Northern star, in His hands the scroll of Yor, by which the men of the west are taught to war, and at his waist, the girdle of Krypt, the seal of the south, by which wealth moveth.
7. And He took from Buhari that which had been His since before the world was.
8. And He said: All power belongs to Adonai, and is given only as Adonai Elohim pleaseth.
PoliticsELECTION SCRIPTURE: The Book Of Windapo by winqs(op): 8:53pm On Oct 08, 2022
The Book of Windapo
Chapter 1
1. In the days of Buhari, the president of the Federal Republic of Nigeria, the word of the Lord came to me; saying,
2. Son of man, tell the people of Nigeria, thou that sayst in thine heart: we will conquer, we will bear rule, we will be like the almighty, it is our turn, in their generations, shall find death in the way of pride and anguish in the way of the sword.
3. Son of man, Behold, have I not sent you to the city of the south, to one born among them that make profit, to anoint him for that which I purpose, to a man whose heart I have made ready to make the waste places cities of righteousness.
4. And lo, though thou mayest have little in this time, yet in due time, the days will be times of joy and celebration,
5. And none shall say anymore, Behold the old bear rule over the young; for I will as in the days of my servant David, give rest to the old, and vision to the young, and men of understanding shall be exalted in high places.
... to be continued.
PoliticsRe: Train Attack: Terrorists Release Kidnapped Victim’s Newborn Baby's Picture by winqs(m): 7:33am On Apr 29, 2022
unclejb2:
If this child survives, what would she see this country as?

Dead hole. Nigeria failed her from birth
It's not "if", she WILL survive.
EducationRe: Freelance Writer Wanted by winqs(m): 12:37pm On Jan 21, 2022
eps432:
Please send your details here: eps11@protonmail.com.
DONE.
EducationRe: Freelance Writer Wanted by winqs(m): 12:08pm On Jan 21, 2022
yeah. interested. 08134116345
Christianity EtcRe: Pastor Chris Mordi Arrested For Propagating Hate Speech In Lagos by winqs(m): 11:51am On May 08, 2018
this matter of Hate Speech is taking us south.
How can we say someone has freedom of speech and still tell him he can't say everything he wants to say. is it now wrong to warn my brother about a friend?... I guess that's Hate Speech against such friend. In my opinion, freedom of speech should be total, however, if anyone feels his/her constitutional right is infringed, that's why we have the law court. this statement of wrongdoing without court trial is the worst of hate speeches. Everyone will eventually be guilty.
Christianity EtcRe: Is Cigarette Smoking A Sin? by winqs(m): 6:04pm On Apr 29, 2018
he that knoweth how to do good and doeth it not, to him, it is a sin
your body is the temple of the Holy Ghost
man was created in the image of God
man will give account of his body
when smoking caused faster death, it's like committing suicide in slow motion

I hope with these few points of mine I been able to convince you and not confuse you that smoking is a sin to the Almighty.
Christianity EtcRe: RCCG Female Worker Sent Back Home For Wearing This To Church (Photo) by winqs(m): 5:46pm On Apr 29, 2018
if you have met Christ Jesus our Lord, rather than you being the sent out, you would have been the one speaking the Word. yes we do not know the whole story but a church is supposed to be a gathering of believers. if you are a believer, you will be on your knees crying and praying and seeking mercy, than trying to take down your pastor and church. you never knew Christ. No you don't. if you have met Christ Jesus our Lord, rather than you being the sent out, you would have been the one speaking the Word. yes we do not know the whole story but a church is supposed to be a gathering of believers. if you are a believer, you will be on your knees crying and praying and seeking mercy, than trying to take down your pastor and church. you never knew Christ. No you don't. if you have met Christ Jesus our Lord, rather than you being the sent out, you would have been the one speaking the Word. yes we do not know the whole story but a church is supposed to be a gathering of believers. if you are a believer, you will be on your knees crying and praying and seeking mercy, than trying to take down your pastor and church. you never knew Christ. No you don't.

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