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Family › Re: Why You Should Not Make Your Children Your Retirement Plan by wirinet(m): 9:35pm On Jun 10

Hhh4444:
You have said it all...there is no guarantee. Do your best and leave the rest. This life no get formula. Who e dey favour go think say na him get sense pass.

Exactly!

Family › Re: Why You Should Not Make Your Children Your Retirement Plan by wirinet(m): 9:16pm On Jun 10

peterboro:
You have a good idea, but please use that 10milliom and buy land instead. Thank me in your old age.👍

Please keep buying as much lands as you can buy in any slightest opportunity you have. This will really save your old age better.

Buying land, especially in lagos, is like playing bet9ja. I know two people that have relocated to the village, after they transformed from landlord to homeless, curtesy of Lagos State Government. One had a 4 story building opposite Volks, Ojo, along the badagry expressway. It was demolished completed to make way for the expressway. No compensation at all. Also ask all the people that had land along the new Lagos Calabar coastal highway.

1 Like

Family › Re: Why You Should Not Make Your Children Your Retirement Plan by wirinet(m): 9:04pm On Jun 10

Eba50:
i mean the value of the money by then is what 70 million of today can buy and besides, i have a business am growing at least 25% yearly and very steady, which will make mu need for that money to be very rare

Your economics is still wrong. Nigeria's inflation rate fluctuate widely. It peaked at 33% in 2024 before stabilizing around 16% in early 2026. Even if we adopt the current rate of 16%, the increase in real value of your 25% growth would be 9%. If inflation increase beyond 25%, all your growth will be wiped out.

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Family › Re: Why You Should Not Make Your Children Your Retirement Plan by wirinet(m): 8:51pm On Jun 10*

IsraeliAIRFORCE:
A bunch of ungrateful generation, over to you. They'd better tell you to go collect Tinubu's education loan and swim in debt after graduation.

That's the bad thing about this ungrateful generation. You think to pay school fees, every 3 months for over 20 years is easy for the man? After all the sufferings and stress, with the risk of stroke, the man will be told not to expect help from the children.
Maybe men, should just be enjoying their money and leave children to fend for themselves. There seems to be no reward for building a family.

2 Likes

Family › Re: Why You Should Not Make Your Children Your Retirement Plan by wirinet(m): 8:45pm On Jun 10

WhiteIverson:
Life isn't a movie

Some invested in their kids and still got abandoned

Invest in your kids but invest in yourself more

Believe me, there is no guarantee in life. All the investments you accumulated could be wiped out by just one old age sickness like cancer, liver disease or heart disease, and you will still need the help - both financially or physically of your children, or relatives.

1 Like

Family › Re: Why You Should Not Make Your Children Your Retirement Plan by wirinet(m): 8:39pm On Jun 10

Eba50:
pls read again. i said 70 million of current value is what the money can purchase at least by 35 years time, if i dont withdraw, which i wont

Sorry to say, your financial plan is not feasible. At 35 years of age, and in this economy, how can you legitimately save 10 million that you will deposit in a fixed deposit? Except maybe you inherit some huge money. Its even less feasible if you are married with kids.

Then how can N10 million in value today be worth 70 million in value in 35 years. We are talking of value and not even the figures.

1 Like

Family › Re: Why You Should Not Make Your Children Your Retirement Plan by wirinet(m): 8:25pm On Jun 10

Rapmoney:
The photos below should show you why you should not make your children your retirement plan. Invest in them rather than making them your retirement plan. If you abandon them while they are growing up, they might do likewise when you are old. If you did not put anything worthwhile in them as they are growing, they will reward you with same.

In effect, you are advising us not to educate our children. The cost of educating a child from primary school to university nowadays is extraordinary. Imagine paying over 2 million every year to educate a child, and then saying the child should not return the favour in your old age is immoral and evil.
I have a friend that sold all he has to send his son to aviation school in the US. Today the son is working for Emirates Airlines in the UAE. The son has returned the favour of his father's investment over 5 times in 8 years. He has build a house for his father, bought him 2 brand new cars, and helped his business.

Family › Re: Why You Should Not Make Your Children Your Retirement Plan by wirinet(m): 8:10pm On Jun 10

LOSKYXANDER:
I like how you just ignored the fact that inflation is a big issue in Nigeria 😂

His N70 million would might not worth half of that N10 million in 35 years. 1 Dollar was approximately 10 naira in 1991, so
N70 million today is less than N60,000 in 1991. A brand new tear rubber Mercedes Benz was about N50,000 in 1990, a bag of cement was less than N500 in 1990.

Saving money is the easiest way to lose value. If one want to save at it it's best to save in gold, metals or in landed properties.

Ordinary, the best investment is in people. That's is in education of other people, particularly our children, or relatives. With the very dysfunctional Nigerian society, where greed, selfishness and ungratefulnes is now the norm. Investing in other people can be a bad investment.

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Politics › Re: My Husband Now Sleep 3am Every Day Just To Tackle Nigeria Problem - Remi Tinubu by wirinet(m): 9:35am On Jun 02

Reloadedisraelp:
are u saying the president can't question them ?

According to the Nigerian constitution, he can't.

Politics › Re: My Husband Now Sleep 3am Every Day Just To Tackle Nigeria Problem - Remi Tinubu by wirinet(m): 8:02am On Jun 02

Reloadedisraelp:
are u saying the president can't question them ?

How and where you want question president? When was the last time you see or hear directly from president Tinubu? Ordinary Local government chairman, you no fit even near to ask questions, you come dey talk of a whole president.

Politics › Re: My Husband Now Sleep 3am Every Day Just To Tackle Nigeria Problem - Remi Tinubu by wirinet(m): 7:43am On Jun 02

tfelicityk:
Only those who really knows him will believe her...

If you have held an administrative positions in any organisation or firm you will understood her better...

Whenever Nigerians start holding their counselors, LG Chairmen, State & FG lawmakers in their constituencies, and State Governors of their respective States responsible or accountable. Those people mentioned are sleeping and not making proper use of their office to service the electorates.

How do you propose we start holding counselors, LG Chairmen, State & FG lawmakers and governors accountable when they are surrounded by detachments of AK47 wielding Mopol, DSS and civil defence officers?

Politics › Re: My Husband Now Sleep 3am Every Day Just To Tackle Nigeria Problem - Remi Tinubu by wirinet(m): 7:38am On Jun 02

chidiokay:
No fake pastor, we can't praise were their is no results, @least your husband sleeps in the comfort of his home, no mosquito no threat

do you understand what is like to sleep inside forest, talk more of under age children... The mosquitoes, open weather cold, crawling insects that might sting the people, no good meal in the tummy and assault the women might face

You can't convince us Tinunu is sleeping 3am because of insecurity, with who.. How. Many meeting have Tinubu had with head of security in the last 2 weeks,

Tue body language... Is not telling Tinubu is serious about security..what we see is Campaign setup

Exactly! If president Tinubu is sleeping 3 hours a day, it's definitely not about Nigeria's problems. Maybe na madam herself no let the old man sleep. How many meetings has been held to tackle Nigeria's security problems, is there a situation room to handle the command and control of operations? What is even the schedule or itinerary of the president? Should we, his supposed employers not be informed of his work schedule?

Politics › Re: My Husband Now Sleep 3am Every Day Just To Tackle Nigeria Problem - Remi Tinubu by wirinet(m): 7:26am On Jun 02

mobi5592:
Rubbish. Start by dropping all those taxes on import cars that you are using to steal from us. The average worker deserves to own a car yoo

Not just imported cars. The duties to clear containers on our ports borders on criminality.

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Foreign Affairs › Re: Worst White Better Than Best Black by wirinet(m): 7:22am On Jun 02

Listen to this guy Kalid Mohammed.
https://youtube.com/shorts/IEjRh32Xx7U?si=fmVhuk9XCMtxxjLK
His views are spot on, the only problem is failing to see the log in his eyes before before seeing the speck of wood in the eyes of others. His professes religion, Islam contributed more to the underdevelopment of Africa, particularly black Africa than any other factor in history. Islam destroyed the very fabric of African societies it came in contact with. From Egypt to Libya to Mali and northern Nigeria. The tran-Saharan slave trade was more brutal and devastating than the transatlantic slave trade. Islam destroyed the history, education, culture and the social cohesion of African societies. It even destroyed its economy. Imagine the amount of resources extended going on yearly pilgrimage to Mecca, starting from Mansa Musa. That money is enough to develop Africa into a first world nation.

The tragedy of the black man was exasperated by the twin evil of Islam - Christianity. Which was a tool used to perpetuate and justify the equally brutal transatlantic slave trade.
Today, the black African psyche has been damaged. His consciousness has been replaced by that of the Arab or the European. He speaks, dresses, looks and behaves like an Arab or a European. He remains loyal to the interests of Arabs and Europeans than the interests of his own people, or even himself.

Politics › Re: 30,000 Fulani Militants Fuelling Nigeria’s Insecurity – US Report by wirinet(m): 6:52am On Jun 02

correctguy101:
If you asked me, I would never give authority to our current military to do anything....

Ah....

I wasn't asked. As my opinions seem to end on this forum... Damnit

I agree, the current military has been corrupted by the current politicians, they way they have corrupted every other state institution, including the judiciary, the traditional institutions and religious bodies. Having said that it's the military that has the capability to defeat insurgents. Its the military that's been mandated and equipped to defend the territorial integrity of Nigeria. The alternative is each region creating their own ethnic militias to defend their respective territories. That would be create the Somalia condition, whereby each region would be controlled by ethnic militias, and a breakdown of a central government. It might even create the Sudan situation before south Sudan independence, whereby the central government support one ethnic militia against the others, resulting in ethnic cleansing.

Politics › Re: 30,000 Fulani Militants Fuelling Nigeria’s Insecurity – US Report by wirinet(m): 3:37pm On May 27

Victorodehankel:
The solution is not rocket science, simply ban open grazing in the country and force the herders to embrace ranching that way anyone found in the bush is considered a criminal and dealt with , whatever other solution the government is considering will only be a cosmetic surgery to the real issues.

We have gone beyond the open grazing issue as solution to insurgency, we need to declare war on the insurgents, and deploy the full force of the military, or at worst hire foreign mercenaries to prosecute the war if the C-in-C does not trust the military to do the job.

Foreign Affairs › Re: Worst White Better Than Best Black by wirinet(m): 3:31pm On May 27

DeepSight:
What leads black people to have such inferiority complex that they say things like this -
nlfpmod

Because, no black civilisation is thriving as of today. All black majority countries are a basket case of corruption, poverty, wars and underdevelopment. Countries governed by white and Asian people tend to develop with a few decades, ie Australia, white South Africa, New Zealand, while countries ruled by blacks tend to disintegrate with a few decades, ie Haiti, black ruled South Africa, Jamaica, Guyana, Liberia.
The blackman tend to be more interested in satisfying selfish primordial instincts of person interests, sex, religion, celebrations, etc,than collective interests that develop the whole society.

Politics › Re: 30,000 Fulani Militants Fuelling Nigeria’s Insecurity – US Report by wirinet(m): 3:15pm On May 27

InvertedHammer:
/
About 1,000 politicians holding 240 million people at ransom. 240 million people at the mercy of 30,000. And they say there is power in numbers. I think the land is full of cowards. Otherwise make it make sense. Even if the government makes arms legal, many will still rather die than defend themselves.
/

You can't blame the 240 million people. It's the various governments over the decades that deliberately rendered the people helpless. The ensured that ordinary citizens have no access to arms, or training of handling of arms. Military training was removed from the NYSC programme, and it was reduced to just a few round of marching and exercise for a month. As a result a few thousands of people with adequate military training can hold the whole 240 million to ransom.

Politics › Re: 30,000 Fulani Militants Fuelling Nigeria’s Insecurity – US Report by wirinet(m): 3:09pm On May 27

WizardOfNG:
I am not paid to defend anyone. I am a solutions provider and I do well financially. I just want peace and progress so we can all enjoy Nigeria.

Yes Tinubu criticised GEJ but it is all politics. In real terms, and related to addressing the fundamental problems of Nigeria, Tinubu has done far better than GEJ.

No decent Nigerian will be happy at the level of insecurity in Nigeria today but the problem is very complex and I believe Tinubu is doing well given the reality of our challenges.

The solution is to create State or regional policing asap which I believe this President will achieve. Once Stated and region have the capacity to define their own security solutions then they can be as modernly efficient as the best in the world or as backwards as the worst.

Now, I believe this to be a paid propagandist, because the excuses are senseless and false.
President Jobathan almost eliminated Boko Haram, few months to the elections. Even the once impenetrable Sambisa forest, became easily accessible. During Jonathan's reign, insurgency was restricted to Borno, and a few terrorist attacks on Abuja. Now insurgency has taken over the North East, north west, middle belt and even some parts of the south west. School children abductions and kidnappings is now a regular occurrence. The most annoying thing is that the Tinubu Government is not even talking about it. And someone can open his mouth and say "Tinubu has done far better than GEJ."
State or regional police to fight well armed and organised insurgents and militias? What are you smoking?

Politics › Re: 30,000 Fulani Militants Fuelling Nigeria’s Insecurity – US Report by wirinet(m): 8:35am On May 27

WizardOfNG:
Here we go again. Nigeria's problem, many decades long, begins and end with Tinubu according to you bigots. Can you people ever rise above your indoctrinated prejudice against Yorubas and the SW?

Which Southern President has allowed USA operate in Nigeria as we are seeing today? Even OBJ, a military general, will be hesitant. Certainly not GEJ who simply does not have the capacity.

What you guys show here daily is the problem of Nigeria. I.e an inability of Nigerians to rise above petty ethno-religious chauvinism to see what matters and what is in the best progressive interest of Nigeria.

If you guys are truly progressive and mean well for Nigerian, assuming you see the big picture clearly, you will know Tinubu is a President all Nigerians should get behind so we have honest conversations with ourselves and put some measures in place to rehabilitate our nation.

Tinubu is perhaps the only Southern leader who can facilitate that. Never that fraud Obi you ethnocentric lot deify.

President Jonathan you guys love to vilify brought in South African mercenaries, who surgically eliminated Boko Haram insurgents without killing innocence civilians. He almost completely eliminated Boko Haram if not for political blackmail from Northern politicians. Now, do you have the figures of both insurgents and innocent civilians killed by indiscriminate bombings of whole areas? Have the bombings eliminated the insurgents? What exactly has the commander in chief of the Nigerian armed forces to secure the territorial integrity of Nigeria, which is the primary of any government?
With 30,000 insurgents, that's a figure competing with total strength of the Nigerian army.

11 Likes

Career › Re: How Much Is A Good Salary In Present Day Nigeria? by wirinet(m): 3:07pm On May 24*

Mountbatten:
"Go do business" but they'll never tell you what business to venture into. Everyone can't be a business person because those who you'll staff aren't business people unless you intend to run a one-man business which can never scale.

Don't mind them, most have never done business in their lives, but will tell others to go and do business. The Nigerian business climate is at its worst in history. I have been a businessman for the last 20 years, so I know what I am talking about. Businesses are closing in droves year in year out, both small businesses and large ones. I open a snacks shop at the height of Covid19 in 2000. As bad as the economy was we were making turnover of 20000 to 30000 daily. For the past one year, we hardly see 5000 turnover per day. No be person wey don't chop belefull dey buy snacks. Even big eateries like Tastee fried chicken and Tantaliser have closed shop, they have now resorted to selling in small kiosks. I am closing the snack shop at the end of this month. Paying high shop rent, running generator and paying staff is just not worth it.

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Career › Re: How Much Is A Good Salary In Present Day Nigeria? by wirinet(m): 2:22pm On May 24

zed7:
Good write up. Many people are either used to extreme poverty, are still very young and live with parents or live outside a big city. Many people don't know that 1m monthly isn't much.

Though the OP has just a young child, I expect he should be able to save at least 200k monthly if prudent.

Some of us have a small family but with kids in secondary school, we know that 1m naira is nothing if you want to live a normal middle class life in a place like Lagos.

Before 2023, 1m was a bit reasonable, but as at now, 1m is a joke. For a family of 4 in a place like Lagos, with kids in decent school and a middle class neighborhood, you will need at least 1.5m monthly to live a fairly average life.

Exactly. I have two teenage boys and a pre teen daughter. I know how how much I pay for school fees alone. The all go to private school of decent standard, and all have private lesson teachers. I don't compromise on education at all, as that is the only route to beat poverty in nigeria, outside politics, fraud or other crimes.

Reading Nigeria's mindset here explains the falling standard of education year in year out. To day I hear JAMB cut off mark for college of education is 120 over 400, and 150 for some universities. And we hope to build a Prosperous country with our falling and archaic educational system?

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Career › Re: How Much Is A Good Salary In Present Day Nigeria? by wirinet(m): 11:34am On May 24

Wolexyoshi:
Someone was able to raise 5.2m and still have about 3m savings, yet complaining. Sometimes, we need to ask if something is going on wrong in your peoples head.

At least, na one hustle made you save that 5.2m...... keep the hustle on, you are doing well.

Believe me, he did not raise the 5.2m business money and the N3m savings from his N1m salary. He had other side hussles, which might not be forthcoming right now.

Career › Re: How Much Is A Good Salary In Present Day Nigeria? by wirinet(m): 11:24am On May 24

L0wk3y:
You need to learn to cut down on wasteful spending….cos with 1m monthly for 3years and you don’t have 5m saved up, you definitely have a money drain you ain’t telling us or yourself about.
I earn just a little over half a mill, I live in Lagos in a 4bed flat(Band A) with 2 dogs and a younger sister, and I’d say we are quite comfortable thank God. I don’t have 5m saved up either, but then again I’m only on my first year of earning that much….soo you earning 1m monthly and not having savings is crazy.
My question is do you audit yourself monthly?
Do you know exactly how much your household needs per month or per week?
MDO A MAJOR AUDIT OF YOUR LIFE BRO.

Are you aware that one sickness, just one sickness of you, your wife or your baby can wipe out most of your N1m salary. To treat ordinary malaria and typhoid in a hospital cost an average of N50,000 nawadays. When my father inlaw had chronic malaria and typhoid, and was on admission for 2 days, my wife and I had to cough out N150,000 to settle the hospital bill.
Maybe na prayers and agbo, or auxiliary nutses, you dey take cure illnesses for you and your family.

Career › Re: How Much Is A Good Salary In Present Day Nigeria? by wirinet(m): 11:15am On May 24

bentenny:
Depends on your location,your immediate needs and the ability to save!
#600k - 800k is a good salary for me!

Do you remember that dollar just 10 years ago exchange at about N200 to the dollar. Thart means N800k was less than N120,000 in 2016. Price of petrol was N97, cement was about N2000. So N120,000 in 2016 has more value than N800,000 today.

Career › Re: How Much Is A Good Salary In Present Day Nigeria? by wirinet(m): 8:27am On May 24

Afolue:
to be worth over 10m annually?

How about those who earn let’s say 100k monthly what should be the topic for discussion if yours is a problem already…? That people are dying somewhere as a result of 100k salary per month feeding their (small) family.? When we all know minimum wage is within 70k estimate.!

You were obviously brought from a wealthy background. Where Luxury seems normal life.

Baba, cut cost, example-: your 2 months earnings (max.) should be able to cover for a year’s rent.

Wealthy ke? You know what wealthy mean? You no even talk rich family, you went all the way to wealthy family.
Now, let's get practical. List all expenses you feel a family man with one child should be spending monthly. Break it down item by item - rent, food, drinking water, transportation to work, utilities, service charges, phone and data fees, medical fees, etc.
Remember, their child also present a whole new level of expenses - from conception to birth. Antenatal alone is quite expensive nowadays. Normal delivery costs up to N200k, even in general hospital. If CS, you can pay between N500k to N1 million. Then there are baby items thar needs to be bought before the baby is delivered. We are not talking about diapers yet.

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Career › Re: How Much Is A Good Salary In Present Day Nigeria? by wirinet(m): 8:11am On May 24

phemray:
Exactly, your write up is the reason we will never get it right but claiming or blaming leaders. You forgot that leaders came to the top from bottom and they do why the society teaches them.
Mind u, this guy earning 1M and complaining has someone in same job with him taken 300k or less with 3 children. So if he gets to leadership level at the top definitely he will spend more and loot more since he can't be prudent with 1M at basic level.

Research shows that every problems in Nigeria from top to bottom are the consequences of our actions. Everyone wanted to make money anyway anyhow because people at the top are stealing Thier own. Kidnappers target innocent citizens so as to collect ransom from government pockets. And since EFCC can not investigate ransom, then the government inflates the amount said to be paid and shares the balance. The youths nowadays are more corrupt minded that the older leaders.

You said we should not blame the leaders, but are these leaders living on N1million a month with their families? These leaders pay Nigerian workers who toil and risk their lives to keep the Nigerian state working peanuts, but reward themselves with huge salaries and bonuses. They then turn around and blame the poor masses whom they pauperised and oppressed. People like you buy their propaganda and blame the ordinary Nigerian for doing all he can to survive. Should an ordinary local government councillor be earning more than a university professor, a medical doctor or even an inspector in the police? Did you not see the frustrations on the face of the policeman who went on social media and threatened to shoot civilian if they record him?
So you think a family man with 3 children and living on N300k per mother month is normal in a sane society? Do you expect his children to get sufficient education at all?

Career › Re: How Much Is A Good Salary In Present Day Nigeria? by wirinet(m): 7:41am On May 24*

Incognito403:
Stop giving blanket statements.
1M isn't serious money at all especially if you have a car or need to use public transport frequently.

Moreover, you'll need to work for.at least two years before you can save up emergency funds.

That money has no room for vacations oo.
That money only gives basic life nothing extra.

This is the reality of living in any major city in Nigeria today, when I say living, I mean living with minimum comfort and conveniences of a modern society. N1million naira is adequate for a family of 3 with a toddler, but with no extended family obligations. It will be hardly enough for an average family with 3 or 4 grown up children. They will barely survive on N1m per month. Rent is crazy nowadays, a standard 3 bedroom flat in a decent areas of lagos will gulp a minimum of N2million a year, school fees, lesson and educational materials for the children (not university) will gulp nothing less than N800,000 every 3 months. Decent Food alone will gulp at least N500,000 per months (breakfast alone will cost at least N6,000 per meal). There are service and utility bills - NEPA (Band A), cooking gas, drinking water, airtime and data. Then there are personal care and hygiene - soaps, creams, clothes, hair grooming, etc for the whole family.
Petrol and transportation nko. If the man drives to work instead of taking public transport, he easily expend N200,000 a month on petrol alone. We have not even mention cost of servicing and maintaining a vehicle.
The problem with Nigeria today is that our psyche and mentality has been so degraded. We don't know what fairly decent standard of living means anymore. A family of 5 living in a room and parlour, eating very poor quality food, sleeping without power for weeks, with the children attending poor quality schools is now seen as normal.

5 Likes

Travel › Re: We Slept Outside With Mosquitoes - Adamawa Pilgrims Stranded In Saudi Arabia by wirinet(m): 7:40pm On May 18

AntiisIam:
And that begotten son is alive in which you and I will stand before him for judgment either you're an atheist, muslim or whatsoever

What is your definition of "alive"? Alive biologically or spiritually? Biological live has the characteristics we learnt in secondary school biology, meaning to eat, move, shit and fùck (reproduce). Does your Jesus have any of those characteristics?

Which judgement? How can you judge someone who doesn't believe or accept your laws. How can you judge a jew with Christian laws, when Jews do not believe in Jesus in the first place?

Travel › Re: We Slept Outside With Mosquitoes - Adamawa Pilgrims Stranded In Saudi Arabia by wirinet(m): 7:43pm On May 16

AntiisIam:
That is what allah loves most

Yahweh nko? He even went further by sacrificing his only begotten son soaked from head to toe in blood.

Travel › Re: We Slept Outside With Mosquitoes - Adamawa Pilgrims Stranded In Saudi Arabia by wirinet(m): 5:39pm On May 16

AntiisIam:
It is for atonement of sins and the work had been done already which made us the Children of God. Jor, what is the bl0d of animals your allah loves to s0k every year meant for?

Why is God so obsessed with blood - either animal or human? He just seems to love the sight of blood.

Travel › Re: We Slept Outside With Mosquitoes - Adamawa Pilgrims Stranded In Saudi Arabia by wirinet(m): 5:35pm On May 16

toprealman:
If the trip actually brought about sustained spiritual awakening, leading to folks being agents of change in their communities, that would have made sense.
Unfortunately, that’s not the case.

Which one be spiritual awakening again? Were we spirituality dead before the coming of the Arabs or the Europeans to enslave us?

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