₦airaland Forum

Chai I get that we must eat but I pity animals way end up for this Axis😂✝️.

The ultimate guideline for Christian giving is outlined in 2 Corinthians 9:7: "Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver." Any message that relies on fear, threats of death, or manipulation directly violates the instruction to not give "under compulsion."

And I am beginning to agree that most Christians actually want to buy redemption they would rather pay the 10% instead of living Christ-like.

Speed doesn't make you an experienced driver. Common sense does. Collect your L gracefully, and let your Creator decide if you die, cripple, or survive.

Entanglement:
With the growing rise of hookup culture!
I can't see myself or there to imagine myself putting ring on +234 girls

Calm down, bro. 234 or worldwide, we all enjoy sex, and we all have our Ashawo tendencies and triggers. Some couples find out they're sexually incompatible, but divorce is too expensive, too stressful, and the lawyers don't even give discounts. So they stay married and stay creative. May we and our better halves never be triggered. But if it happens, collect one, wear a condom, and move on. Your only mission is to find your own version of Ashawo. Good luck.🤞🏾

Gerrard59:
All of us na ashawo

In my books, she has won in life as she married a doctor. The doctor also won as he believes she's the best thing since sliced bread.

Bro the equation no pass like that.

I went to a wedding in Owerri sometime in January. If you had seen the selection of beautiful girls presented to us to pick from, you would be shocked. A lot of them were students, and they had both parents. When we all hung out later that night, you realised that not all of them were poor, but for whatever reason they had chosen the hookup life. These are girls who, if you saw them on any given Sunday, you would think you had met your rib. They were courteous, kind, and well mannered.
My point is that a lot of girls are into hookups now, even "normal" girls. My last side piece was from UniJos. We had an arrangement, we met once every month, and after every session I paid her. It didn't feel transactional, but it was. We had a great time. She could hold a good conversation, and she knew how to treat me like a king. She was also a freak in the sheets. She just got married to a doctor, and I'll genuinely miss her and her beautiful dimples 😄. I remember she even asked me if she left the doctor, would I marry her. I told her to disconnect from that fairytale. Has she forgotten how we met?
These are crazy times but among your girlfriends you would already know the right one but she might not be as pretty than one or two of them. May God give you the wisdom to make the right choice.

You won't get the advice you need here. Most people here would love to be in your shoes, so their reaction would be "can you imagine this person complaining?" They honestly can't relate.
I know exactly what you're feeling. That place feels dead, everyone minds their own business, and friends aren't really friends.
If you have strong support back home and can start a business or get a good job, come back. But if everything you have is invested there, hold on and join a group. A church if you're a Christian, a mosque if you're a Muslim. What you need is a genuine community that offers real friendship and support.
Nigeria is hard for a lot of people right now, but it depends on who you ask. Some people are still doing well here, and if you fit that profile, come back home.

Nteogwuija:
You dey mind people. I have done the stuff for like 2 weeks now and I can't boost of 10k savings. The small profit u make each day goes on commission and small household expenses.

Right now should anything happen to that vehicle, like the oil indicator starts showing, I do not have the money to replace the oil.

Guess what, I double the fare on the app and I still can't save.

And the most annoying one is that you spend part of your day canceling trips because people don't have money. And you have to do your pricing to at least break even.

Are you on electric or CNG?

He don get them

If they had to offer discount then the price Dangote buys crude oil has to also have discount. It's an open market if NNPC is selling at a discount how would a private refinery make their money back?

Why the forest guard come dress like that

Stephen0mozzy:
May God rest their soul, and grant them the peace they couldn't find in being among the living 🙏🏾

Maybe it's me coping, but the West seems to breed a lot of not very strong-willed young people - maybe it's the suffering that hardens us here in Nigeria?

But it takes a lot for three related people to agree on suicide and go through with it... Phew

It appears they believed that dying the same way their mother did would reunite them with her and end their pain. In effect, it was a suicide pact.

Always insist on a contract.

inoki247:
Oya na motivational speaker if you become rich will you dream to become poor or make more money....

Ahh no vex o. Do am as you want Baba na your life.

I just knew heartbreak was coming for Rick Ross after all those annoying videos they kept posting. That girl never loved him, and as a boss he should have seen it, especially from how she cringed whenever he tried to kiss her. Then, after his fans attacked her, more videos came out of her acting all lovey-dovey, and I knew right away she was playing him.

inoki247:
The rich will keep getting rich....

That's a defeatist mindset. What the rich do shouldn't concern you. Create your own value, find your network, and let them see what you can offer. Don't imagine that because you didn't grow up rich, you can't become rich. Kill that mindset, or it will cage your ability to take action.

If Nigerian men can agree to go celibate for one year you would be shocked the amount of starvation and perjury that would hit some women. I know some women work hard and bring value to a relationship those ones would be fine but you see those ones that don't offer any value except sex. Them go hear wen!!

This is not about Nigerian politics. It is geopolitics, and it affects us all.

Brent crude, the world benchmark price for oil, is now about $106 a barrel because of the Strait of Hormuz blockade. Brent is not a law, but countries sell around it because buyers anywhere will pay that price.

Nigerian crude usually sells above Brent because it is light and low in sulphur, which makes it easier and cheaper to refine into petrol and diesel. Refiners pay extra for that quality. Dangote has said Nigerian crude trades $3 to $6 above Brent.

Dangote needs about 13 cargoes of crude a month. The FG (NNPC) gives him only 5 to 7. Even when he pays in naira, the price is set in dollars using the world benchmark and then converted to naira. So if the naira weakens or Brent rises, his cost rises. The rest of his crude he buys on the international market, in dollars, where he has paid up to $18 above Brent. So his crude is already expensive before refining starts.

Why can't NNPC just sell to him cheaper? Most of Nigeria's crude is tied up in joint venture contracts, which limits how much is free to give Dangote. Also, every barrel sold cheaply at home is money not earned by selling abroad at the world price, and government needs that revenue. Selling lower would be a subsidy paid for with government money.

Fuel prices also depend on refining and transport costs. That is one reason Dangote started using CNG trucks. So crude cost is a major driver, but not the only one.

So it is mostly economics, but policy and geopolitics decide the direction. When a war far away pushes oil prices up, we feel it at the pump.

clarocuzioo:
Am not a fan of continous increase of minimum wage, From the days of Obasanjo, anytime the minimum wage is increased, hyper inflation follows it, thus making the Naira a worthless piece of paper. Instead of continous increase of minimum wage, let government reduce inflation drastically so that whatever workers and Nigerians are earning will have great value.
There is no point increasing minimum wage and then inflation follows, it simply renders the Naira more useless.
Government should simply increase the purchasing power of the Naira.

You are right that increasing minimum wage isn't one fix all solution. I was having a discussion with a friend who says minimum wage should be ₦1M. I told him if wages jump that fast, prices will likely rise fast too. Garri, meat, rice would all cost far more, and that ₦1M would buy much less than it looks.
My preferred fix is make education free for every Nigerian, provide free healthcare, and build mass public housing. Anyone with a job, any job, gets subsidised housing with government paying 80%.
Yes, it needs serious funding and planning. But lowering the cost of living helps more than raising wages that prices will swallow.

Jakumo:
The rich who love flaunting their cash to impress desperate hungry people rarely bother reading online forums like this one. All the wisdom that they acquire is thus from The School of Hard Knocks.

Absolutely, I am just letting my mind drift. Every man has his part to play, and it has to be done.

There is a lot of value in moving quietly. Just blend in, drive a 2019 Camry, keep your face covered, do what you came to do, and leave unnoticed. If you choose to flaunt a Cybertruck instead, be prepared for the predators that kind of attention attracts. People will argue it’s their right to be as flashy as they want, which is true. Just don't be shocked by the consequences if your idea of freedom is spraying cash in the air before speeding away. Just my thoughts.

I can take this on, but on a consulting basis the fee goes up to ₦250k per month for three months. You'll cover the cost of tools, and you'll need to assign someone to understudy under me.

ufotunang:
.. akpabio will say it's an AI audio

I don't care what he says if someone I supposedly trust releases our private conversation I am cutting that person off.

Dialpad:
Lol so no more freedom of speech

Freedom of speech comes with responsibilities.

And you came to release a private conversation you had. Yeah we would definitely trust you.

dmexy33:
I have been a broker, a financial adviser and a Financial technology expert for more than a decade, I was very disappointed to see everyone buying DANGOTE REFINERY IPO and nobody, not even one expert in the field spoke on the implications of owning a share in the IPO.

DANGOTE has read the handwriting on the wall so the decided to go public with his refinery IPO. Now let's look at the reality on ground:

1. Why is DANGOTE going public with the IPO?
I know it is hard to believe but you must understand that after the second world War and the formation of OPEC, The global CRUDE OIL supply became an international product i.e the price of a barrel of crude oil in Saudi or Iran or Venezuela will be the same with the Price of a Barrel of CRUDE OIL in Nigeria. Sometimes there are slight differentials in price but the difference is never more or less above or below $20. So with the war raging in the middle east and has driven the price of CRUDE OIL to over $120/barrel, Fuel at the pump has become more expensive and the war will not stop anytime soon and there is a possibility that we will experience an energy crisis due to fuel being very expensive and unaffordable. There is a possibility that a barrel of CRUDE OIL will hit $500/barrel in 3-4yrs. This is part of the process of phrasing out fossil fuel i.e petrol from being used globally like was done in China and being implemented in the UK. So DANGOTE has read the handwriting on the wall and decided to sell the Petrol refinery to the Nigeria people who ignorantly and blindly rushed it without thinking. Olodo uprising indeed.

2. Will you make profit from the buying into the DANGOTE IPO?
Yes, of course you will. But this is how it will happen; Due to exchange rate differentials, since the war in the middle east and Ukraine_Russia isn't ending anytime soon, it is projected that oil price will continue to go up hence, as oil prices skyrocket and the price of refined oil i.e Fuel at the pumps also continues to rise, you can expect you shares in DANGOTE REFINERY to continue to go up. Basically, as DANGOTE REFINERY SHARES PRICE goes up, cost of living for NIGERIANS WILL GO UP.

3. I see all these content creators and even other Nigerians talking about how they are monitoring DANGOTE trucks and calling DANGOTE, etc
All I have to say is that 99% of Nigerians are olodos. Go and read the agreement, find out what kind of share holder you are and stop disgracing yourselves. When you buy shares in the Dangote Refinery IPO, you become a part-owner of the company, but your role is strictly hands-off. You have no say in the day to day running of the company. #olodouprising.

I greet you Oga Financial Technologia Expert of Nigeria soffery soffery

With respect, your decade of experience doesn't fix the holes in your argument.

Stay with me let me expand on it.

1. Dangote isn't cashing out.

The IPO is only about a 3% stake, and the money is meant to fund the refinery's expansion. The plan is to double capacity to 1.4 million barrels a day. Nobody doubles a business he thinks is dying. He has also said he plans to eventually list every company in his group, so this is a pattern, not an escape.
[CNBC Africa ]

2. "Petrol is being phased out" is a stretch.

The UK rule is about new car sales, not petrol itself, and China hasn't banned petrol. The refinery also sells jet fuel and petrochemicals like polypropylene, and projected exports of about $6.4 billion a year are largely petrochemicals and fertiliser. The $500/barrel in 3–4 years claim is speculation, not analysis. [Cowrywise]

3. Refiners don't win when crude rises.

A refinery earns the margin between what it pays for crude and what it sells products for. Higher crude raises its costs. Share prices follow earnings, growth and demand, not the pump price directly, so "share price up means cost of living up" is not how it works.

4. Being a hands-off shareholder isn't a scandal.

That's how every listed company works, including the ones Nigerians already own. Shareholders get dividends, AGM votes and audited disclosures. Monitoring trucks is just people being curious about a business they're putting money into.

5. Here's what you should have warned about.

Retail buyers pay more than institutions did. The July private placement valued the company at $40 billion, while the IPO implies roughly $49 billion. That valuation gap is the real risk. And it's false that no one discussed risks. Analysts have pointed out that the dollar-dividend plan depends on regulatory approvals and export forecasts that haven't been proven yet. [CNBC Africa]

Call out the risks, but insulting 99% of Nigerians as 'olodos' isn't analysis.

Some people would say it's hip hop that killed him.

Seyi8750:
Abeg rest. Your blind worship of Dangote no turn you into a financial expert. If questioning a businessman’s record dey pain you, na your problem—not mine. Keep the noise; facts no dey fear your empty shouting.

I know my talk pain you but I no understand why you dey vex. I just say make you keep your money Dangote no need am.

Seyi8750:
Dangote refinery ipo will be next. People will
Learn the hard way.

Yen yen yen yen if someone like you can invest in MMM na Dangote a legit business you dey fear. Oga keep your money Dangote no need am.

Correct man.

Now she is on the run. Encomium kill you there.

Captain save a hoe. You are not serious sir go back to your family. Who you wan leave them for?