₦airaland Forum

Keep cam I Trump will win 🥇

Educated Amurobber everywhere looking for there selfish interest, there’s no easy way to make money in this life , be careful out there guys

From Obasanjo to Buhari… how FG’s debt profile surged 658% to N26.9trn in 21 years


Nigeria’s public debt has been on the rise. Despite securing debt relief during the Olusegun Obasanjo-led administration, successive governments have continued on a borrowing spree — the federal government’s component of the public debt surging 658 percent to N26.9 trillion in the last 21 years.

This has raised concerns among Nigerians on the debt sustainability of the country amid dwindling revenue to meet the debt obligations to creditors.

Within two weeks, the senate approved three different loan requests by President Muhammadu Buhari.

On July 7, 2021, the upper chamber approved a loan request of N2.343 trillion, approximately $6 billion and another $8.3 billion and €490 million.


Defending one of the loan requests, the Debt Management Office (DMO) said it is part of a borrowing plan for the 2021 budget.

“The proposed new capital raising is the new external borrowing provided in the 2021 Appropriation Act to part finance the deficit in the budget. In other words, the new capital raising has already been approved in the budgetary process by the executive and legislative arms of government,” the DMO had said in a statement.

As of March 2021, Nigeria’s total public debt has hit N33.1 trillion ($87.24 billion) — an accumulation of borrowings from successive governments, of which most were borrowed since the return to democratic rule in 1999.


The overall public debt is the total debt accrued by federal, states, and the FCT from local and international lenders.

Of the N33.1 trillion, the federal government alone borrowed N26.91 trillion — this includes the FGN bonds, Sukuk, green bonds and Euro bonds.

Finally, after weeks of data aggregation, number crunching, dissecting and analyses of freedom of information (FOI) response from the Debt Management Office (DMO), TheCable presents findings that highlight how Nigeria’s aggressive borrowing defies its fiscal responsibility laws.

The analyses also include data from the DMO, National Bureau of Statistical (NBS), and fiscal papers from the Budget Office of the Federation.


FG DEBT CLIMBED 658% TO N26.9 TRILLION IN 21 YEARS

Data from the DMO seen by TheCable showed that federal government borrowings (local and foreign debt) climbed from N3.55 trillion in 1999 to N26.91 trillion at the end of March 2021 (the country’s latest official figure).

This represents a 658 percent increase in 21 years, comprising the administrations of Olusegun Obasanjo, Umar Musa Yar’Adua, Goodluck Jonathan, and the current Muhammadu Buhari.



HOW MUCH BUHARI BORROWED IN 6 YEARS

The Budget Office’s medium-term expenditure framework and fiscal strategy paper from 2015 showed that the Buhari-led administration incurred N7.63 trillion in domestic debt from June 2015 to December 2020.

On external borrowings, President Buhari increased debt from $7.3 billion in 2015 to $28.57 billion as of December 2020. This means that the president incurred $21.27 billion on foreign loans to the country’s debt portfolio.

The country’s exchange rate moved from N197 to a dollar in 2015 to N381 at the end of December 2020.

Analysis of consolidated debt showed that the external debt increased by 291.37 percent while domestic debt grew by 86.31 percent in the last six years of the Buhari government.

Overall, the Buhari-led government has had an accumulated debt of N17.06 trillion as of March 2021, using the N381 exchange rate. This represents a 173.2 percent increase from when he was elected president in 2015.

DEBT PROFILE UNDER JONATHAN’S ADMINISTRATION

At the beginning of former President Goodluck Jonathan’s tenure in 2011, the federal government had an accumulated debt of N6.17 trillion.

Analysis of the debt figure showed that local debt amounted to N5.62 trillion while foreign debt stood at $3.5 billion (about N548.65 billion, using the exchange rate of N156.7/$1).

By the end of 2015, the foreign debt component hit $7.3 billion, while domestic debt increased by N8.4 trillion. The country’s exchange rate also stood at N197/$1.

Overall, the federal government component of the total public debt increased from N6.17 trillion in 2011 to N9.8 trillion in 2015, representing an increase of N3.63 trillion or 58.8 percent.

YAR’ADUA/JONATHAN’S BORROWINGS

Under the Umar Musa Yar’Adua/Goodluck Jonathan-led government between 2007 and 2011, domestic debt of the federal government moved from N2.17 trillion to N5.62 trillion. The foreign component of the debt also increased from $2.11 billion to $3.5 billion within the period.

The country’s exchange rate also moved from N116.8/$1 to N156.7/$1.

The combined debt profile increased from N2.42 trillion to N6.17 trillion in four years, representing a 155 percent jump.

Of the debt figure, Jonathan completed the tenure from May 2010 to May 2011 after the death of Yar’Adua. The period saw a surge in the federal government’s debt from N4.94 trillion to N6.17 trillion. This represents a 24.9 percent increase in one year.

OLUSEGUN OBASANJO’S TENURE

During the tenure of former president Olusegun Obasanjo, the debt level of the federal government reduced from N3.55 trillion in 1999 to N2.42 trillion at the end of 2007.

The 8-year term of Obasanjo resulted in a dip in FG’s local and foreign debt level, representing a 31.8 percent decline.

The country’s exchange rate was between N98.02 to N116.8 to a dollar during the tenure.

Analysis of the figures showed that external debt decreased from $28.04 billion by 1999 to $2.11 billion at the end of 2007. However, the domestic component increased from N798 billion to N2.17 trillion within the same period.

The huge decline in foreign debt was a result of the substantial reduction following the pay-off of the outstanding debts owed to the London Clubs of Creditors in the first quarter of 2007.

BUHARI, NIGERIA’S BIGGEST BORROWER, VIOLATING FINANCIAL LAWS

So far, Buhari is the country’s biggest borrower, increasing public debt (FG component) by more than 173 percent. Next to the Buhari government is the Yar’Adua/Jonathan administration with a 155 percent surge in borrowing.

The current government violates important financial laws in the country — the Fiscal Responsibility Act, and the CBN Act 2007.

Last year, the government exceeded the fiscal borrowing threshold as stipulated in the fiscal act.

Zainab Ahmed, minister of finance, budget and national planning, admitted to this on the grounds that COVID-19 was good enough reason to breach the act.

The fiscal responsibility law provides a limit of three percent debt threshold for sustainability, but the president can “exceed the ceiling if there is a clear and present threat to national security or sovereignty of Nigeria”.

In 2020, the country’s budget deficit was at about four percent of GDP, clearly breaking the law.

On overdraft, section 38, sub-section 1 and 2, of the CBN Act, said, “the Bank may grant temporary advances to the Federal Government in respect of temporary deficiency of budget revenue” and “the total amount of such advances outstanding shall not at any time exceed 5 percent of the previous year’s actual revenue of the Federal Government”.

By the end of 2020, CBN overdrafts to the Buhari government exceeded the limit by 69 percent of the revenue generated in 2019 – in a blatant violation of the apex bank rules. The government’s revenue in the year was N4.1 trillion, and overdraft stood at N2.9 trillion.

Also, Nigeria’s borrowing limit as a percent of GDP stood at 34.8 percent in 2020, well above 25 percent for the year. Earlier this year, the federal executive council (FEC) had strategically raised the borrowing limit to 40 percent in its Medium-term debt management strategy for Nigeria for the period 2020-2023.

While Nigeria’s debt-to-GDP is lower than those of its peers, its debt-to-revenue is too low to sustain the country. Of every N100 government makes in revenue, N97 now goes to debt servicing.

In the last four administrations, only Obasanjo’s team reduced public debt; his government recorded a 32 percent decline with the London Club agreement.

INCREASING PUBLIC DEBT WORRYING

While borrowing is required to support the economy, sustainability transparency and sustainable repayment plan are crucial.

Femi Oke, an economist, said Nigeria’s soaring high debt profile is not good for the country.

“The Nigerian government borrows in the worst possible way and in a very outdated manner. This causes a backlash to the government. Because Nigeria’s debts are not linked to any assets, we just go to the treasury bill market and borrow, at any rate, that anybody wants to give you,” he said.

“There are many other countries who borrow more than what Nigeria is borrowing and don’t have any problem paying back. They borrow intelligently and efficiently, in a way that their debts service themselves.

“A more efficient way of borrowing is for the Federal Government to migrate all the debts to asset-linked debts. This means structuring the borrowing transaction like investments. There must be an underlying asset to which borrowers can use to recover the principal they gave the country plus profit.”

Vahyala Kwaga, senior researcher and policy analyst at BudgIT, said the level of borrowing – specifically in 2021- is the highest it has been in the last six years.

“The government is borrowing more, spending more and earning less revenue. For context, the government budgeted about N5.37 trillion in revenue in 2020 but only earned a total of N3.42 trillion,” Kwaga said.

“There is also no commensurate rise in revenue to counteract the continuing rise in debt servicing. A casual look at the debt servicing level from 2015 to 2020 shows that the level has steadily increased since then.

“These amounts include debt servicing on interests for ‘ways and means’ and ‘sinking fund to retire maturing Loans.’”

NIGERIA’S ACTUAL DEBT COULD BE 48.7TRN

Wilson Erumebor, a senior economist at Nigerian Economic Summit Group, said Nigeria is a case where expenditure keeps rising, revenue not improving as expected, creating a wide fiscal deficit that is majorly financed by borrowing.

“While borrowing is required to support the economy, especially given the impact of the pandemic, what we need to be concerned about is how sustainable Nigeria’s debt position is,” he said.

“Debt has risen N33.1 trillion as of March 2021, an increase of 162.7% in the space of about five years.

“When we include AMCON’s liabilities and CBN’s ways and means, debt could amount to about N48.7 trillion, which is around 32 percent of GDP.

“Debt to GDP may seem quite low at 32 percent, we must understand that debt is serviced with revenues, so if debt servicing is increasing and revenue is not performing, then we have a problem.”

Erumebor suggests that the federal government must improve efficiency, transparency, blocking leakages, and deliver value on public projects, despite limited resources.

“We must work towards unlocking many sectors and many areas where the country can earn revenue.”

In 2020, the International Monetary Fund (IMF) said Nigeria’s low debt-to-GDP ratio is highly vulnerable to shocks.

“Despite Nigeria’s relatively low debt level, liquidity-based indicators-driven by low revenue mobilisation-remain concerning, with the interest bill representing a high share of government revenue (but low relative to GDP),” IMF said in its country’s report for Nigeria.

“Stress scenarios confirm the vulnerability of public debt to a low growth/wide primary deficit scenario. The interest-to-revenue ratio is particularly vulnerable to a real interest rate shock but remains sustainable.”

Recently, market researchers at United Capital also expressed concern over the country’s rising debt sustainability risk. “The government has historically justified its rising debt profile by the compliant debt-to-GDP ratio of less than 30.0%,” the research firm said.

“However, we reiterate our position that the FG’s debt service cost as a percentage of revenue is a fairer reflection of the country’s debt sustainability position.”

At an overall public debt of N33.1 trillion ($87.24 billion), the implication remains that every Nigerian owes both local and foreign organisations N165, 500.

https://www.thecable.ng/from-obasanjo-to-buhari-how-fgs-debt-profile-surged-658-to-n26-9trn-in-21-years/

Even TikTok is a scam, mark today’s date.. you will remember this I said, it’s just a matter of time, everybody eyes will clear about TikTok, na me talk am. Mark today’s date 👹

If Kamala win this election, I’m sorry for what is coming , the world is going to experience what is called Evil 👿. Let’s keep praying.

Namaster:
These BILLIONAIRES need to stop with their PERSECUTION PORN!

First, it was Dangote claiming that people said his Refinery was too big to build. Claiming it would never be completed.

This is the same refinery that economic pundits have been touting as the saviour of the Nigerian economy for decades.

It's the same refinery that the average Nigerian was looking forward to its completion as a point of NATIONAL PRIDE.

It's the same refinery that banks were falling over themselves to finance.

Now another Billionaire is claiming that because someone was opposing his $2B dollar projects, he prayed to God and God made him so sick he couldn't come to work.

I am NOT even going to talk about the good, god-fearing and decent christians who are chuckling GLEEFULLY at the thought of their God PUNISHING a man with CHRONIC sickness.

What I'm going to talk about are the Billionaires that seem to be on a mission to tell the world that they have STRUGGLES too.

That's LAUGHABLE!

This is Nigeria.
What MONEY cannot do does NOT exist!

As a Billionaire, you know the palms to grease. And you have the MEANS to grease them SUFFICIENTLY.

If someone wants too much grease or, shockingly, does NOT want the grease; you can grease a Judge's wig and BUY yourself a court judgement.

Issues faced by Nigerian billionaires in Nigeria are temporary and ephemeral.

So their tales of persecution is just ANNOYING.

It's MADNESS to claim that your $2 Billion project was being held back by a LOW-LEVEL civil servant and you had to resort to PRAYERS.

God bless for this, your enemy will never see you.. you just spoke my mind..👍

EmperorCaesar:


Here comes Pity Giiiirriiigoory the world-renowned loser and useless article writer


The VP left for an important international meeting(that has to do with global investment) that was coincidentally scheduled to take place at a time when the President was already on leave, what was the VP supposed to do?


According to research, the IQ is geographically influenced and the IQ of an average Nigerian is 77, I guess that tells us why there are mob supporters of a man with no independent thinking than throwing around some uselessly dumb critiques

Will you close your smelling useless mouth.. people like you are not meant to be among the living honestly speaking. Nonsense 👹👿👿 devil in human form 👿😈 👿 vampire like you .

This people so called themselves leaders are not leaders at all they just have an evil agenda for this country, but God will always see us through

God will surely teach those thief’s lesson of their life lazy people. they should continue, but this mighty house should have cctv camera ma. Almost all this kind of houses I have seen always have cctv cameras,I was wondering why this big structure like this does not have cctv cameras,

Actual size of Iran vs. Israel.

Population:

Iran: 88,500,000
Israel: 9,500,000
GDP:

Iran: USD 413 billion
Israel: USD 525 billion
GDP per capita:

Iran: USD 4,700
Israel: USD 55,000
Military troops:

Iran: 580,000 active personnel (200,000 reservists)
Israel: 170,000 active personnel (465,000 reservists)
Defence budget:

Iran: USD 24.6 billion
Israel: USD 24.3 billion
Yet, with all the numbers, Iran is no match for Israel.

Audio Government

What??

Nawaooo everybody is caching cruise in this life,

Medicine after death,

VDM is right because my ex-girlfriend left me she said that I’m too nice and kind that I’m too careering, that she is not worthy to be my future wife, I don’t know what else men will do for for them to be satisfied , sometimes I feel like becoming a bad guy maybe that’s the kind of man they like , I tire for women

The Game has just started

lol think of what To do for government, not what government will do for you, chai Audio Government

Mad people everywhere

I hope is not what I’m thinking 🤔?

Oh okay, they are planning for next election already, in this country no problem , last last everybody go they alright.

NNPC Limited had released the estimated prices of Premium Motor Spirit (PMS), also known as petrol (obtained from the Dangote Refinery) at its retail stations across the country.


The Independent Petroleum Marketers Association of Nigeria (IPMAN) has raised questions regarding the widely celebrated Dangote Refinery, asking if the excitement is justified if its fuel will be costlier than imported products. 
 
IPMAN National Welfare Officer, John Kekeocha, who made this known on Channels Television’s The Morning Breakfast programme on Monday, noted that it doesn’t make sense for the Nigerian National Petroleum Company (NNPC) Limited to sell petrol lifted from the Dangote Refinery higher than imported ones.



“If NNPC can sell Dangote products higher than the imported products then it doesn’t make sense. What is the celebration we are having all these while then?” he said. 
NNPC Limited had released the estimated prices of Premium Motor Spirit (PMS), also known as petrol (obtained from the Dangote Refinery) at its retail stations across the country.
This was disclosed in a press statement issued by the state-owned company’s Chief Corporate Communications Officer, Olufemi Soneye, on Monday.
The company emphasised that PMS prices are negotiated directly between parties and not set by the government, in line with the Petroleum Industry Act (PIA).
 
The NNPC on Sunday announced its fuel purchase from Dangote Refinery at a rate of N898 per litre.
 
NNPCL dispatched about 300 trucks to the 650,000-barrels-per-day capacity refinery in Lagos on Saturday, with loading operations commencing on Sunday.
 
Spokesperson for the NNPCL, Olufemi Soneye, on Sunday said the company bought the fuel as N898 per litre contrary to reports claiming N760.
 
However, Dangote Group described the NNPC’s statement that it bought petrol at N898 per litre as “misleading and mischievous”.
 
Anthony Chiejina, Dangote Group Chief Branding and Communications Officer, in a statement on Sunday evening, knocked the claim made by the NNPC.
 
The estimated pump price for petrol based on Dangote Refinery's September 2024 PMS pricing is outlined as follows:
 
In Sokoto State, the price is set at N999.22, while Katsina State faces challenges with supply. In Borno State, the price is set at N1,019.22 per litre. In Kano, Kaduna, and the FCT, the price is set at N999.22, while it is N950.22 in Lagos and N960.22 in Oyo. It will be sold for N980.22 in Rivers and Imo states.

In some countries, governments are stepping in to combat low birth rates and population decline by offering financial incentives for marriage and starting families.
From cash bonuses to housing grants, these initiatives are designed to encourage couples to tie the knot and settle down. Here are three countries—Singapore, Italy, and Japan—that will pay you to stop being single and start a family.

Singapore
Singapore encourages family growth by offering financial incentives through its “Marriage and Parenthood Package.” This includes a cash gift, known as the “Baby Bonus,” which is given to help couples with the costs of raising children. The bonus is paid in stages, starting with the birth of the first child. Additional benefits, like housing grants, are also provided to support marriage and family development.


Italy
In Italy, declining birth rates in rural areas have prompted some local governments to offer financial grants to couples who marry and settle in small towns. These incentives aim to revive communities by attracting young couples who can contribute to the local economy. The funds can be used for housing or business ventures, making it an appealing option for couples starting a new life.
Japan
Japan, facing a rapidly ageing population and declining birth rate, offers financial incentives in certain areas to encourage marriage and childbirth. Some municipalities provide newlyweds with lump sum payments or subsidies to cover wedding costs and support their new life. These measures are part of broader efforts to promote marriage and sustain the country’s population.

https://www.vanguardngr.com/2024/09/3-countries-that-pay-single-people-to-get-married/amp/

By Elizabeth Adegbesan
Usage of electrical appliances is one lifestyle Nigerians have come to embrace to achieve ease and save time in the various activities they perform in their homes.

During the era of pre-paid metres, gadgets such as electric stove, cooker, blenders, washing machines, boiling rings, pressing iron, deep freezers, among others, were highly purchased by households to either upgrade their kitchens or ease time in activities surrounding their lives.


Many especially women join thrift’s contribution (ajo or esusu as popularly known in Nigeria) to be able to raise money to purchase some of these items thereby putting smiles on the faces of producers and distributors of such gadgets.
However, the economy and lifestyle has discovered that many households have now abandoned the use of most of these gadgets since the introduction of prepaid meters.
Some ended up selling them  to people selling fairly used products or other people still on post paid meters.
Mrs. Bridget Johnson, a banker said: “ Since I started using prepaid meter, I have stopped using most of my gadgets, especially the electric cooker, washing machine, pressing iron, among other things.
“We watch television set once a day. I had to buy an ipad where I downloaded various types of cartoons and educational materials for my kids to keep them busy. 

“We switch off the lights and put on my fridge for three hours and switch it off once it is iced  for a day.
“The rate at which the prepaid meter runs is alarming of recently.

“Before I pay N32 per unit and when I load N10,000 with strict adherence to the rules my husband and I placed in the house it lasts us up to two weeks for the bills to get exhausted.

“But recently, I discovered that when I loaded the N10,000 it wasn’t up to the two weeks before it finished.

“I had to call the electricity distribution office where they told me I had been transferred to band A.
“I was so pissed off with such a transition but had no choice than to accept it .
“In Nigeria of today you have to cut costs whether you like it or not.”

Mr. Shodimu Olorunfemi, a businessman, said: “Using a prepaid meter has its own advantages. “One of them is regulating what you consume. 
“By doing so you have to forfeit carrying out certain lifestyles, especially using electronic gadgets that consume lots of electricity.
“Such gadgets like electric cooker, hot plate, pressing iron, refrigerator, Air conditioner, among others consume higher units of electricity.
“In my house, I prohibited the switching on of lights during the day and also watching television all the time.

 “Except I have a very important event I want to attend, I don’t iron my clothes. I pick the clothes for each day and hang them to straighten up.


“My wife and I had to give out most of our gadgets to family members and friends who use post paid meters.
“With this development and the state of the economy, those selling electronic gadgets are on the losing side because people like us will not even have a spoilt gadget talk of buying a new one.”
For Mrs. Bakare Judith, a secretary and newly wed, she sold all her home appliances that consume high electricity units.
“I had to sell most of the electric gadgets I brought to my husband’s house when I discovered that he was using a prepaid meter.
“I use the blender once in two months and ironing is done once in a blue moon.

If Dangote one million fuel tanker like let it go and supply to NNPC , the truth is that NNPC will never be trustworthy , NNPC are just corrupt , they are part of this country problem

You you have not seen anything yet, if you voted for this government and you are complaining, the fire that will burn you is yet to come , rubbish

You people should stop all this , nothing will ever cheap for a life time, that’s business strategy they will came in the name of e cheap all of boom the price will go up, only a fool will believe this people.

Me planing to marry a single mother please advice me . Thank you.

Chai Esther don see money Esther breach her mother’s new husband, chai this life no balance

Please how much is a liter of fuel now?

Girls can be quite expressive and obvious.

When a woman loves you, she will dive into your world and make you her world. She will try to know everything about your world, mix up in your world. Your family will interest her more than her own family.
She will take efforts for you, she will do lots of stuff for you. She will make you feel special. She will try to know what bothers you and cover up for it. She will try and understand you more, your preferences and tastes, and surprise you more often than that.
She would care for you and advise you like you are her baby. Well, it's inherently there in a woman—motherhood. There is this, comfort and warmth when she's around you!
She would blush if you compliment her. She would literally die out of happiness, when you treat her right and make her feel loved and all that cheesy. ☺️☺️☺️
She would lean on to you more often. She will have this huge urge to be there beside you all the time. She will have these cravings of holding your hands or hugging you or being in your arms. Just to be around you- it will be her only desire.
She would act like a child in front of you to get all your time, love and care.
She would show lots of interest in your life. Her heart will pain seeing you in pain :’(, her heart will scream with joy seeing you happy She will empathize with you!
Your actions and words will impact her tremendously and deeply. Your one text can make her day light up or smash it down She will be playful, chirpy and her health too would respond positively if she's treated right and loved by you, likewise, if she's taken for granted—it will equally have an opposite impact on her :’( Each and every gesture of yours, no matter however trivial, would be a big deal for her.
She will be silly in front of you, would get angry more, would act crazy more, would be both happier and sadder than her usual happiness and sadness. That's because she wants you to explore each and every emotion of hers and admire her for that
She will take care of her looks, and body language and the way she smells while she's with you. She will spend hours to get ready just to receive a tiny compliment from you
She would look at you and smile more. Spend time with you like the world is ending the very next moment.
She will stalk you. Yes, she would want to extract every single detail about you. Your friends, your family, your world would interest her like it's hers.
You would be the first person, after her parents and family, she would long to tell all the big, important things of her life about—if she is unwell, if she has achieved something, if she is suffering, all the things—she'll be looking forward to tell it to you.
Your hug, one stop solution for all the problems. Irresistable, oh la la ^_^
She would crave for your love, your care, your support, your embrace.
She would make time for you always and she will be there for you, always. Your sadness and happiness amounts to her sadness and happiness.
She would proudly own everything that belongs to you. She would love to wear your hoodies or T-shirts. Oversized clothes rock, yo!
She will talk to you. About future, about present.
She would be vulnerable in front of you. She could give herself entirely to you, with a hope that you would honor her.
She would want you to protect her. Okay, I know—women empowerment and self defense stuff. But she would still want you to handle her, protect her, be there for her, fight for her.
She will be a wierdo. Trust me on that. When a person is in love, they are on an all time peak of emotions. So yeah, she will open up in front of you and you will be seeing the undiscovered sides of her personality, you will experience her dark sides and anxieties, her philosophies and her desires, her goals—the kind of her which has never been explored before.
Your birthday= Most. Important. Thing. In. This. World.
Notice her body language. It would drastically change.
She would start taking up your habits and behaviors. She would start changing, her nature will change to some extent. Her hobbies, her routine—there would be something different about her, and the people around her will sense that. She would start day-dreaming too often.
She will notice you a lot. How you sit and eat and do things. And then, she will tell about all those things to her best friends
She would be lost in your thoughts. She would think about you all day long, while smiling like a jerk. She will read your conversations over and over again, would keep checking if you're online or not, would initiate talks and what not.
She would watch romantic stuff and hear songs and imagine her and you in that scene
She will let you inside her personal space and let you know more about her world. Trust me, women don't open up that easily.
She will be loyal till the very last breath of hers—no questions of cheating, fakeness, taking advantages, or harming you in any way. No questions!
She would tell you frequently that she loves you and will call you by using a lot of sweet names.
She would remember the smallest of details about all the talks you guys had. Everything—she would pay attention to you and seek your attention alike.
She will get hurt and depressed, if you don't reciprocate her the same way or don't treat her properly. She will get mad at you, if you don't do that.
She will be possessive and jealous about your female friends, not in a negative way, just because she doesn't want to lose you.
She would understand you, would be unafraid to handle your dark sides and be there for you. She will love you, for you.
Emotional Intimacy > Physical Intimacy
Seriously, a woman can do a lot of things for her man. It will be just very obvious through her actions.

She will try and be the best version of herself, just so in order to have you for life with her dedicatedly! You will feel like you're the luckiest man alive. The feelings will be very overwhelming.

This one weak me 4 girls chai this world is really a wicked world indid