₦airaland Forum

PENNYSWAP:
The funniest thing is , peoples still call buhari darling daddy , people wey dey buy gas 1kg 650



I wanted to sell one of my old fvcked up cars to make space parking space , a car that people was pricing me before 650k , my mechanic said make I no sell am less than 1.7m say cars Dom costly ....
He even brought a buyer begging me for 1.2m I was laughing ...

You see this country , it’s so fvcked up

I bet it’s a Toyota in camry or corolla clothing �

Charly68:
So sad that Buhari has forced me to buy locally used vehicle instead of Tokunbo...I have been spending on its repairs since to turn it back to tokunbo shape.. so sad that tbis Govt took us from top to bottom..

I’m facing same sh*t right now brotherman

Xo pathetic!

A little above 6k was debited from my access bank account last week. The narration read web services and I knew immediately that the card have been compromised.

I contacted my account officer asap and demanded he blocked the account without delay before further damage is done.

Please avoid POS transactions from random merchants.

And also avoid inputting card details on random websites.

As for Access bank and there porous banking security I reserve my comment.

jedisco:
Also, similar to my reasoning earlier, it's good to see our VP question banks regarding mortgage...

If there was one industry in Western, I believe does hold the potential to lift at least a million Nigerians out of poverty with far reaching implications for the state, it's the mortgage industry...

Lets take a well paid FG young worker for example... If that person wants to own a home today, they'd need to save for at least 2-5 yrs to buy land. Then they process papers >>> look for an architect to draw a plan >>> pursue approval >>> look for a builder >>> take the next 10 years trying to build an apartment block by block ... All this while, the person is at the mercy of the builder/architect as its not his field. Also, the well established builders are not willing to get bogged down on a single house for years I've seen well earning families struggle for over a decade to build their house. This impacts heavily on their disposable income for things like holidays e.t.c during that time....

Now compare th above to another system where Julius Berger discusses with the government for land title, builds standard apartment with facilities leveraging on the economics of scale, and put these up for sale. That same young civil servant goes to his bank and gets a loan of 75 million at < 3% interest (which he could realistically payup over his career), buys that apartment in a good area with a proper title, pays a little amount monthly (which most times is less than what he'd have paid as rent), has loads of spare cash for other things... With time, if the price of the house appreciates, he could even sell it, pay the bank their loan and have more money to go for a bugger one...

The government benefits with such a streamlined process... Building laws are adhered to, things like ground tax e.t.c are paid, with the right database, the government can target certain groups to support e.g first time buyers can pay little or no tax e.t.c...

Comparing the age-old buying land and building to tge mortgage system is like comparing cocoa pods to its refined components like bournvita, chocolates e.t.c... The mortgage system can be an economic miracle...

But then, the CBN could help in kick-starting that process by encouraging/funding credit rating systems... When you have that, the banks know who they could safely lend to.... The construction companies can then get to work

Your submissions are pure facts.
It only takes vital economic policies here and there to revive the country.

jedisco:
Hehe... Naira

Such transactions on the crypt0 space are done with stable coyns- you can then transfer the stable coin (using a cheap method) to an exchange like binaz and sell via p2p...

It has its pros and cons.... If not done properly, it could cause problems. Imagine someone taking a loan with bitc0in collateral whan it was at 60k cos they thought it'd moon...
Moreso, using such loans to buy alyt coyns comes with added risk and not advisable for a someone new to this space...... Of course, there's also benefit...
But then, such brings out the greed in folks and makes them chasing the top.

I'm contemplating it cos I believe from a fundamental perspective, bitc0in should go on a run towards end of year hence I don't want to sell my bitc0in... But before taking the bite, I'd wait for market confirmation first...
Moreso, my ltv would be about 50% or less... And the loan would be used outside Crypt0....

The thing is that I’m still indecisive.
I guess it’s best for me to just observe how the market will play out in coming weeks (for the majors).

On the other hand, an e-friend on mine called my attention to something called Royal Q

https://www.nairaland.com/6640664/royal-q-robot-trading-binance

What do you think about this crypto trading AI bot?

BizBloke:
[color=#000033]Nah, it wasn't for a coin purchase. Used it to buy another digital asset: a domain name I want to flip for about 4-5 digits in 2-3 years.

I think there's no middle ground when it comes to interest rate vs LTV rates; the only platform I can suggest now (but not used thought) is Nebeus. They've got an adjustable LTV up to 80% for Flexible Loans. Perhaps you could look them up. I'll ask my folk for the one he used.[/color]

jedisco:
Interesting... Just looked Nebeus up.... The interface looks good and they mentioned being insured...

But I still can't understand your own....if you used USDT as collateral, what did u loan?

My plan is to deposit some Bitc0in, get some usdt... After 3 months, refund the usdt, withdraw my bitc0in and go into alyts... Will need some confirmation in the market though... 25-50% ltv is good for me... I want to sleep with my 2 eyes closed

I have been thinking in this direction (accessing loan using crypto collateral) for some time now.

Honestly I don’t feel like liquidating my crypto portfolio anytime soon. And on the other hand, I’m in need of extra cash to makeup for a pending project.

This quagmire pushed my thoughts into the crypto loan line.

A quick glance at nebeus platform shows naira is not listed on the currency drop down. My concern is because I don’t have a dom. acc. to facilitate usd/eu transactions.

A penny for your thoughts.

nurey:
1. custom documents fully stamped and check whether all things correspond like name and model of car, VIN and all payments were made. Mostly like 6 or more papers could be photocopy if multiple cars were cleared by one dealer but make sure it is a clear crisp document not faded crap and don't take the nobody will ask you for customer paper crap, it could spell doom or stolen vehicle.

2. CMR (computerized motor registration) original copy

3. Current insurance (original copy)

4. Vehicle licence (original copy)

5. Road worthiness certificate (original copy)

6. Plate number allocation (original copy)

7. Original proof of ownership fully stamped

8. You will collect two printed and signed documents
a. Change of ownership document
b. Receipt of purchase from previous owner

There are some other documents you may need like
1. Tinted permit doc
2. police report/doc of change of ownership/plate number/engine number (which we call vin)

make sure you see the change of ownership letter given to the buyer duly signed when he first bought it as Nigerian used except the car was bought as tokunbo then you may not need this.

Once the car doesn't have custom doc except it's a beetle and the documents have expired years ago, I suggest you stay away from such ride.

Top of the day Nurey,

Should I boldly demand for all the listed documents as I want to purchase a 9ja used camry05.

Or are there new updates as to documents to demand in this year 2021 (considering the fact that you dropped this comment in 2015)

Awaiting yours.

Thanks for sharing.

Ejiod:
Good morning all……
Thinking of creating a clubhouse for experience gained and my journey towards Data science/Analytics.
Let me know if you all are interested so I create a link for this.

Shoot brotherman
I’m sure we’ll have a thing or two to always gain from your valuable insights.

Ejiod:
I'm just thinking some of you that need to add a professional certifications to your resume, you can try the DA 100 by Microsoft which gives you certification in Data Analyst.

Getting a data analytics certification has been running through my mind lately.

I did some web surfing on good certifications to enroll and stumbled on compTIA Data+

Please do you have insights on this; how valuable and pivotal it can be for the IT (data analytics) space?

Thanks.

They’re disbursing cash to their cronies ahead of 2023 elections.

What are we supposed to do with it afterwards?

Artifacts that have been stripped off its customary and traditional values. More like a symbol of shame if they make it back to our museum.

tensazangetsu20:
Nooooooo!

Please what are your reasons.

tensazangetsu20:
True look into cloud business platforms. Sap, salesforce or servicenow. Those ones are much more valuable than ACCA.

How about sage50.

Dude your determination and courage is impressive.

Best wishes.

TheUndercover:
Ask yourself these questions:

- What if I disappear, will they look for me?

- If I decide to go offline, will people notice?

- If people don't get reminded of my birthday, will they celebrate me?

- If I become bedridden due to illness for number of days or months, who will stay by my side?

- When I'm gone, what will people remember me for?

- If I'm in the darkest part of my life, who will show me the light?

- If death comes knocking, what will be my deepest regret?

Sooner or later, you'll realise who really matters, who never did and who always will.

Family ticks all the listed points.

In all your dealings in life never forget family because they’re your backbone.

God, Myself & Family - this is my team ranking.

Thumbs up bruv !

Is it on app store yet?

Kokaine:
these things you wrote are detailed. but i dont really know them as much as you. i only discovered i have been producing and selling for sometime now, but i dont even know how many, how much i have made. i make profits sometimes, i spend it on courses, training and eating meat. now i want to do it in a professional way. i just registered the company with cac. i want to make use of professionals to get it right

My comment earlier was just an overview of the financial recording basic practices.

I can only advise or opine deeper when I fully understand what your operations, business scale, type, . . . entails.

Best Regards.

Kokaine:
Please I have a new company and I need the services of a professional financial expert to guide me on what books I need to keep and what products to focus on. I manufacture electronics and power supply systems. I also do home automation devices locally. I need a business expert to discuss with for a professional fee on what to do, what to look out for, how to maximize profit and what books to keep.

I downloaded a software called QuickBooks but I don't understand it. Its not my field. I rather pay a professional now

Keep a track record of all receivables (from customers/clients) and payables (to vendors/suppliers). Cashbook can be used to efficiently achieve this on a micro level; a general ledger for macro operations.

You’ll need to maintain a statement of financial position (SOFP) which will capture your business assets, equity, and liabilities (such as loans, VAT, and Corporation Tax).

You also need to structure your financial records in a way to reduce tax liability (tax avoidance) as this will come handy to cushion high operating and administrative costs incurred overtime.


Quickbooks is okay but a cloud based integrated accounting software is more effective depending on your operation scale.

- Account officer & practicing data analyst.

Mrchusenvessel:
Your best bet is what someone above has suggested... Learn canva fast, there are many already made templates you can use there

If you need help getting a canva pro for free, send me a message

The pro version will save you lots of stress

I will like to have this on my desktop.
It may come handy someday.

julaion:
What about geographic information system (GIS) Analysis

GIS is a different field which encompasses earth mapping and spatial analytics.

The data world is interlaced.

Not to discourage you but I don’t see Nigeria is ripe for GIS maybe for remote jobs abroad.

Presently on the path - a junior data analyst.

It’s not easy but with flair and sheer determination, impossible is nothing.

For newbies -

Learn microsoft excel from beginners to advanced level (plotting, VBA, Interactive dashboard, power query . . .)

Learn SQL

Python or R (not mandatory but an added advantage)

Master any data visualization tool - Tableau, PowerBI

80% of the above and you’re good to go.

ANTIFA:
Boss your talking as if you don't know how feminized and elder centric the society is. The last time I slapped a girl. I knew what I went through in the hands of "sissies" men.

ANTIFA:
I do have witnesses, my brothers and neighbors.
Please how much do you think is required?

Up there in bold lay your empowerment to give her a piece of your venom.

I have a feeling your story is fictitious though.

Weaklings parading themselves as being mature, a gentleman and all hogwash.
Bobrisky even gat more balls than you do.

A woman slapped your face and you ran to NL to create a thread. smh !

When and if this gets to the Police they will out of pity give you a blank sheet and biro to narrate your shameful experience while they articulate the best way to milk your pockets.

I just hope there were no children at the scene; because you’re not only going to nurse your slapped face but also lose some respect (that’s if you got any ab initio).

My advice to anyone who got your type as a son is to speedily send him to a boarding school.

Sissies piss me off !

tensazangetsu20:
Probably for the west. Nigeria has always been in hard times yet we no develop.

The concept has no outlier.
It is basic evolutionary survival instincts at play.

The thing is in Nigeria context, their endurance level is rooted in religion and cowardice but trust me change is coming (not the apc type )

This current hard time is forging beasts of men.

tensazangetsu20:
It's from him and it resonated with the topic so I posted it here. A lot of people are just answering this from an emotional point of view

Your comment is spot on.
I see it this way -

Hard times begets strong men

Strong men build safe and prosperous society

Flourishing society in turn beget soft/weak men.

It’s a vicious circle of cause & effects.

tensazangetsu20:
If your civilization is shit, your men are either weak, stupid, or both.

It's that simple.

Stupid men can't build anything, and weak men can't maintain anything.

IM @tellyoursonthis

Your write up above looks culled. Correct me if I’m wrong though.

To Whom It May Concern !

This once beautiful thread is spinning towards anarchy and clash of personalities. I saw it coming though cos where two or more intellectuals congregate disagreement is not far fetched.

However, the solution is to convince an opposing ideology with logic (provided he/she got clean trolling record) and not the usual -

“oh he’s got bluepill mindset”

“Ignore the beta simp”


The mistake y’all make is in thinking that everyone will agree 100% with your write ups.

Things can never work that way because each person gat peculiarities in real life from childhood, experiences, challenges, triumph routes, fundamental beliefs . . .

Hence, to curtail clash of ideology (which is not bad in it’s right), I implore all to filter nuances going forward.

Instead on shoving your concepts down people’s throats, drop baselines that can be developed and modified by individuals to suit their unique personality.

Like I said earlier you can never fit all man into a hole in an online platform.

Kennyking1234:
greets from market square side, ago place way.

Greetings brotherman.

Nezzjnr:


Okota Man..... Na una dey enjoy that sweet Road ahbi

Container trucks no dey allow person do fast n furious.

NYCnextStop:
Greetings brotherly

Where are you greeting us from... Lakeview phase1(ICAN) or phase2(capital oil) by ago bridge

As a good oiler still in active service; where will you site your drilling plant?

A Library or near crude reserves