₦airaland Forum

Theboss001:
Otti no time to waste
PH road needs serious immediate attention
My papa get plenty land for there, let them begin to appreciate cause of good motorable roads.

sonnie10:
It’s easier when you have a car always available.

TheElites19s:
180+ for O'level

Rexymania:
Dey play... I will buy this one 1.5m lol.
Chai!

Geovanni412:
I had a long list in a googledoc but a lot of the stocks have moved since I made the document

BUt perhaps, you can do your own research on the ffg. stocks

Personally, I hold positions in Livestock feeds and UPL

THIS is not financial advice but start you research from this at least:
- University Press PLC (UPL) (have strong history of paying dividends)
-UACN plc (have strong history of paying dividends)
-Custodian Investment Plc (have strong history of paying dividends)
--Livestock feeds (low priced, food industry, managed by UACN and has lower market cap so investors that have confidence in UACN's mgmt ability could look to pump it)
-Inter breweries (down by more than 70% from peak)
-NPFMCRFBK (financial institution, regularly pay dividend-- downside : If you can invest in a bank linked to Nigerian Police, then you can benefit from their dividends and police will be your friend)

Geovanni412:
Use investmentone as your broker

If you have any issues, you can talk to emmasoft or come to the forum and ask more questions

As for stocks to pick, is your capital above or below 1million naira?

Let us know so we can guide you on some stocks you can do more research on and ultimately make a decision.

Corroro:
okay, I hope you're enjoying your device big time.

GENES11S:
The Civic have been sold a long time ago. The BMW was becoming unbearable so we gave it out to someone who claimed he can take care of it.

GENES11S:
My Old cars are Toyota Corolla (2007), Honda Civic (2005), BMW (E30 series).

If am to choose, I will always go with the Toyota everytime.

Bosun99uk:
Check here for how to report your employer
https://www.pensionnigeria.com/pension-news/what-to-do-if-your-employer-does-not-remit-your-pension-contributions-into-your-retirement-savings-account/

Regards
PensionNigeria
www.pensionnigeria.com

Birdbyrde440:
I will give you two scenarios.

I was looking for someone to create and design a website for me so I went on a market survey and met 3 different website creators
The first one was young guy of 27yrs old, he gave me his price at 380k plus 150k for yearly maintenance costs. According the maintenance cost was optional.

The second person was recommended to me by an industry colleague, I charged me 80k and explained to me that I can buy the domain and renew yearly or so and renewal will cost me about $18 yearly. He will main the site for me at a cost of 15k monthly i.e edit and add information, vids etc.

Third was a company with a flat fee of 50k, monthly maintenance of 20k and 10k renewal yearly.

Scenario Two:
I needed a mechanic for my vehicles a matured, family man in his 50's was recommended to me about 2yrs ago, this man normally comes to office and fix our cars, sometimes he takes it to workshop and we are not bothered because he has been trustworthy, when we have unexpected car problems we just call him and he locates us and sort the car issue out.
After every job this man will not charge us more than 5k, sometimes we give 10k. When he passed on we decided to sponsor all his kids through school to at least take some burden of the wife.
Now we got connected to another mechanic, a young dude in early 30's, I recently bought a new car and someone recommended him, recently my car fan belt go spoilt, I called him and he arrived with another guy in one honda I paid no mind to them because all I wanted was to get car fixed, this mechanic losed the fan belt and went to buy another one, I waited for his for good 3hrs when he finally returned with the same honda accord guy I asked why he took so long and he said "the fan belt scarce for market " lol. He fixed it and I asked him how much for the work and he said 55k!
I asked him to break it down for me and this was the break down;
1. Fan belt for Toyota highlander 2008 model 20k
2. Uber 25k (apparently the Honda accord was an uber ride).
3. Workmanship 10k.

On Twitter, you find Nigerian youths advertising their hustle I saw one young girl advertising how she makes cartoon characters for money and a young British guy told her to stop scamming people because AI can create better cartoon characters for free.. the naija girl started flaring up!

Nigerian youths will speak be grammar, charge you huge sums of money and deliver a shitty job because most of them are on drugs and when you complain they start to become aggressive as if you are the source of their misery. They are solely focused on money and most derive no joy from their so called "hustle"

Nigerian youths are truly lazy!

sgtponzihater1:
This is the best time to key into money market fund. Years back MMF was a big deal in advanced countries as it provided high profit with low risk. Today MMF in advanced countries have dropped interest rates to as low as 2% or less. Those who were waiting for the rates to increase have suffered loss in their asset from inflation.

If Nigeria gets things right, the trend would be for our MMF interest rates to drop, meaning getting more education in managing your funds from the volatility of the proper stock market or being at the mercy of financial advisers, many who's major objective is to get a share of your money.

What I do personally is invest in MMF with about quarter of my disposable fund, which I hope to beef up and invest the others heavily in the stock market, as that where the real possibilities lies.

Kindly use my link if you consider using Stanbic asset management. I consider among the very best for the past decade. Thanks to those who have used my referral link in the past.

We must all be rich!

Chiefsgtponzihater1

adindustanley:
2.9 abi?. Abro don,t worry God is watching you.

nurey:
Don't you people sit down and calculate things, you are looking at the short run and not the long run.

We have 52 weeks in a year, say you work 40 weeks throughout the year.

45,000 x 40 = 1,800,000 multiply by 4 years 7,200,000.

Cost of vehicle is around 3.6million meaning in 2 years time you would have paid back the cost of the vehicle and another 2 years for additional profit of 100%

It is a bad idea to collect loan to start a business of uncertainty where you have no control of external forces and most especially fare price.

When working as a salary earner b4 u leave current job ensure you have saved enough to start your own small business, with 1.2m you can buy a kia Rio, honda civic or nissan sentra/primera of 2006 upwards for 800k to 1m, use 200 to 400k to put in order and use it to test waters of the business.

austinceasar:
Delears deal, 2007 model civic for sharp sharp money, going for 1.550m net buy and resale now.

DM or call @09038687770

Corroro:
personally I'll tell you to go for the spark 10c, the storage it's got and design are awesome.

CuriousMind2022:
It's a known fact that most Nigerian girls marry who they consider ready for marriage and not necessarily who they love. I am exactly in that dilemma and the question I am asking myself is whether I should continue in this loveless marriage or slowly drift and walk away.

My marriage is barely 2 years and a few months, but it has been a rough journey for me. Things I never envisaged I would experience in my marriage, I have suffered, from utmost disrespect to verbal abuse.

I came to the conclusion that she doesn't love or care about me based on what happened yesterday. I was recently transferred from my base to a new location and because of that, I would only be able to visit weekends or twice a month. Prior to that, we barely had sex once a week.

We had already had sex the normal once we usually had it (Saturday morning), but I wanted more because I will only be coming back after two weeks. I initiated a move on Sunday morning, she declined because she was thinking of preparing food for our baby before we leave for church. We went to church and came back, and as usual, my wife was in her undies (just panties and bra) in the sitting room (This was what she wore throughout that Sunday).

I watched her walk around the house in that and that even turned me on the more. I am a practicing Christian, and I try not to look after other women lustfully, but common this is my wife, even God sanctions that. After being turned on throughout the day, I went to my wife in the night, (note she slept in the sitting room with our baby leaving me alone in the room) to enjoy my conjugal rights with her, but she gave me excuses that she is upset and not in the mood.

I left and went back, seriously konjified, I managed to sleep. The next morning, I woke up with my urges and went to the sitting room to have my morning devotion, but I could barely concentrate because I was still very Hot. I explained to her that so really wants me to go to my new station like this knowing fully well I will not be coming back until 2 weeks time. This woman did not care!

I took my bath, prepared myself, and set out for my office. I was not happy with her but I kept my cool and left for work. She had demanded that I dropped some money for her before leaving and despite the fact that I was not happy with her, I dropped the money in a conspicuous place where I know she will see it before leaving. This was my own way of saying I am not happy with what you did, but I still cared.

I try to do things I usually do for my wife even when I am angry with her. This is my own way of saying I may be angry with you, but I still cared about you and I am open to a resolution. On the other hand, my wife doesn't care what happens to me when she is upset. She immediately stops cooking for me ad any other thing she does for me when she is upset. It is obvious to me now that to my wife I don't really matter in the grand scheme of things. She is only caring and concerned, when she is not angry (when we are good and we don't have any issues). I believe that when you love somebody, you treat them right and show genuine love and care for them even when you're upset with them. This is what I have constantly shown to my wife in our 2+ years of marriage.

Back to my story of what happened weekend/Monday. My wife never bothered to call me to check if I arrived safely since I left the house yesterday. I even called her once (primarily to check on my daughter), but she didn't pick up and she didn't call back, and up till now, we have not spoken.

She obviously does not care whether I arrived safely in my station or not. In this country of insecurities, a family member of yours will travel and you do not care whether he/she arrived safely, that is the height for me, and in the actual sense, I should be the one upset here because she left me high and dry, despite knowing fully well I am very Hot.

I am a family-oriented person, I have always dreamt of having a peaceful, loving, and Godly home but unfortunately, the reverse is the case for my wife. I began to understand why family background is very important in a person's life, after getting married. My wife is from a family where they place little or no value on marriage. Her mother had children with 2 men, and my wife is obviously working very hard to follow that same path. She shows little or no enthusiasm in making our marriage work. I am always the one to initiate moves to resolve issues when we quarrel, whether I am right or wrong, I do not care, my focus is just on making my marriage work and my home peaceful.

This last episode shook me very hard, and I have been asking myself whether I want to continue in this loveless marriage or opt out. Working and living in a different city will even make it easier for me.

I needed to let my thoughts out and thanks to Nairaland, I have done so.


Rather than come here for all manner of advise, I will opine you pray about this and have a conversation around it. Some will also suggest I talk to someone but I'm not of that school of thought. Another thing I need to do is a self re-examination; ask yourself if there are things you need to amend in your own life
First few years of marriage are usually difficult times. I'm telling you from experience but if you can keep the whole thing afloat for another couple of months, you will both be ok.
May God help you both

Incredible128:
I don't think the note 8 or note 8 pro had widespread issues, the note 10 and 10 pro weren't known for issues either; there are still a whole lot of Redmi lineups, although I don't know much about them or people who use them. it is believed I think, that a phone should last 3-4 years before giving issues although I think most of Redmi phones' issues are mostly software issues

Nex123:
thanks sha,but i think i will settle for spark 8 pro

Abbeytoy:
I believe it's good to encourage easy buying as it will reduce corruption and enviness.

Most of the advanced countries use it better.

sgtponzihater1:
It's a mixture of stocks and money market instrument. Stocks are volatile in the short term so the money market aspect is meant to smoothen that ride long term. If you had a drop in funds, then it would have been massive it was 100% stocks. As most balanced funds are 60:40 or 50:50.

Never put money you need short term in a stock based mutual fund or stock fund, you could loose money.


In practice balanced fund is for capital preservation and some growth in fund, or for older investors who cannot bear a short to medium term crash in their funds.

MissOpe:
Cockerel.
Very strong and rigid.
Can withstand any weather condition.
Feeds on anything.
Very sweet and matured in the mouth when eating..

ReadaDream:
Both of them will serve the purpose very well with little maintenance. If you are settling for Yaris, be very sure that the AC system is factory fitted! Some of the 2008 spec come without AC from factory.

For the Honda Civic, provided you buy 'verified' toks, you have nothing to worry about.

Personally, Civic over Yaris.

ReadaDream:
Yaris and Honda Civic are good choice. With both cars, you are free from vandalism. Maintenance friendly and good fuel economy.

njelrapheal:
For same specs am sure hyundai and volvo would be cheaper and reliable as well

njelrapheal:
Lol. Omo. Eh..thw way its so expensive now you would think there are no other options