₦airaland Forum

sparko1:
I need someone with a dollar card(domiciliary account) I want to pay into my Google workspace account, I AM WILLING TO PAY FOR THE SERVICE.

chat me up on 08089456258

Extra30:
Beloved Nairalanders, as I write this, I'm the Most depressed and frustrated boy alive. Trying to narrate my current ordeal sends shivers down my spine.
For crying out loud, I didn't kill my parents so why has God put me in this kind of situation?

What really is the maltreating matter,how old are you and where are you based?

kppo:
John 8:51 KJV Verily, verily, I say unto you, If a man keep my saying, he shall never see death.

So how come Christians that have been keeping Jesus Christ's sayings die?

Death in that scriptures means separation from God. it's not about this part of life but in the one to come. Death here being cast into hell

advanceDNA:
Like wtf math is this

this is my new calculation

To calculate the total interest on the loan and determine its total cost over the 24 weeks (168 days), follow these steps:

Given:
Loan Amount (Principal) = ₦1,900,000
Loan Duration = 24 weeks = 168 days
Daily Interest Rate = 0.18% = 0.0018 (as a decimal)

Formula:
Interest per day = Principal × Daily Interest Rate
Total Interest = Interest per day × Number of days
Total Amount to Pay = Principal + Total Interest

Calculation:
1. Daily Interest:
₦1,900,000 × 0.0018 = ₦3,420/day

2. Total Interest over 168 days:
₦3,420 × 168 = ₦574,560

3. Total Amount to Pay:
₦1,900,000 + ₦574,560 = ₦2,474,560

Breakdown:
Interest per day: ₦3,420
Total Interest for 24 weeks: ₦574,560 Total Payable Amount: ₦2,474,560

advanceDNA:
Like wtf math is this

maths without paper, I was calculating with my head could not check the calculator but it's in that range

ifytrik:
Good morning guys
Somebody should help me to calculate this loan interest rate, I applied for a loan some days back, my bank already accepted my loan request but the problem I have now is how to calculate the interest rate,
Loan amount= 1million nine hundred thousand naira
Loan duration= 24 weeks
Daily interest rate= 0.18
Somebody should help me to calculate this 0.18 daily interest rate please 🙏🙏, I have just four days to either accept or decline the loan offer.

Dem won finish your life oh

To calculate the total interest on the loan and determine its total cost over the 24 weeks (168 days), follow these steps:

Given:
Loan Amount (Principal) = ₦1,900,000
Loan Duration = 24 weeks = 168 days
Daily Interest Rate = 0.18% = 0.0018 (as a decimal)

Formula:
Interest per day = Principal × Daily Interest Rate
Total Interest = Interest per day × Number of days
Total Amount to Pay = Principal + Total Interest

Calculation:
1. Daily Interest:
₦1,900,000 × 0.0018 = ₦3,420/day

2. Total Interest over 168 days:
₦3,420 × 168 = ₦574,560

3. Total Amount to Pay:
₦1,900,000 + ₦574,560 = ₦2,474,560

Breakdown:
Interest per day: ₦3,420
Total Interest for 24 weeks: ₦574,560 Total Payable Amount: ₦2,474,560

ayo84:
So the conflict in the north involving bandits and insurgents is another territorial conquest.
It seems more like a scripted conflict being carried out to disparage the Northern region or middle belt. Peace and security is one of the attainable conditions the north needs to attain, if its economy is to develop.

yes and the issue is not only happening in Nigeria, it's going on in Niger, Mauritania, Mali, even Chad is not left out. At a time it was Central African Republic. at least nothing less than 20 to 25 African countries are facing this issue and the underneath reason is control of power and squandering of natural resources

ayo84:
I heard it was the kanem borno empire that stopped the hausa fulani invasion

the Fulani people must have known about the Vikings stories of Europe and how they forced their way into power taking over places like Britain, Netherland, France among others. And same was done here, all we are hearing about banditry, terrorism among others follows same antecedents. So easily the European colonialist can easily relate to it because their fore father's were into that, it would become easy to enforce divide and rule across the Sub Saharan African belt. The same issues we are complaining about here are happening in other parts and neighbourhoods too, a certain few capturing power at the expense of others courtesy the divide and rule mechanism introduced in all the colonized nations. So it's not the problem of the north but the earlier power clinchers doing all they can to still be in control and the enforcers are using poverty, divide and rule to continue their staying power

ayo84:
Can you make more revealing revelations about the Northern oligarchy.
We need to create a historical thread about pre 1960

The prehistorical part begins with the coming in of the originators of the Fulani dynasty from the middle east into Africa. A common concept among the middle easterers being the promise land syndrome where they believe that the land they are going to will be given to them by God and they will do all they can to get them. When they came here the large Ghana Empire that cut across west Africa was declining and then the Mali Empire emerged by the time it was declining the Fulani began spreading across the sub Saharan africa

ayo84:
Well they were favoured by the british to hold political power, because of the adherence to hierachy and the Northern traditional government structure, the british were impressed with the uthman dan fodio jihad created power structure, the british owe it to the northerners to craft a think thank to economically empower and develop Northern nigeria

instead of that say they favour their oligarch

ayo84:
With clamours for regional secession and the insults of calling the north a parasite, can Northern Nigeria become successful like singapore.

To secede, you need a powerful think thank strategy. A region or group of people can shadowly secede without actually physically secede, its just a strategy for a land locked sole economic prosperity. Creating an independent right way economy that would flourish like singapore. Can the north become like singapore without sea ports or oil, with the right people offering advise and a think thank strategy, any region can economically prosper

it's hardly possible because the leaders created their poverty

b0rn2fuck:
We have been dating since 2019 but I finally want to break up with this married woman and face my life in 2025. I have been causing constant fight since a year now but one things or another always link us together. Did you know this year alone, despite the fact, our sex times almost 20 times ... I want to focus and return back to the young single girls

start with changing your phone numbers

Andolive47:
1) African Queen by 2face
2); Calm down by Rema
3) Ojuelegba by Wizkid
4) Why Me by D'banj
5) Lonely at the top by Asake
6) Anybody by Burna Boy
7) Do Me by P Square
Jailer by Asa

any African song not produced directly or indirectly by US cant win it

SalamRushdie:
It's electronic funds Levy , everyone must may it

ok

Newton2024:
Why is Opay deducting #50 from my account on transactions of #10,000 or more? I pay more than #2,000 as P.A.Y.E tax every month whereas I earn 70k as salary. VAT is still there on provisions and other stuffs. Is this not multiple taxation on a meagre income?

Tinubu should stop copying working countries when it comes to tax. Our incomes are not the same.

abandon the account, are you using their business account

jesusjnr2020:
When You Realize Tithing Didn't Make Solomon Or Elon Musk World Richest Men

The length to which the prosperity preachers were taking the matter of tithing, one would think tithing has made many tithers, themselves inclusive, the richest men in the world, however that couldn't be any further from the truth, because tithing has never made any man to become world's richest, not even one.

Even king Solomon, the only man the Bible called world's richest, it wasn't tithing that made him to become the richest man in history.

In fact God Himself (who made Solomon richer than all those who lived before and after him) said the reason He gave Solomon such an unprecedented amount of riches, was because Solomon didn't ask for riches for himself, but the things that mattered to God.

1 Kings 3:11-13 (KJV)

And God said unto him, Because thou hast asked this thing, and hast not asked for thyself long life; neither hast asked riches for thyself, nor hast asked the life of thine enemies; but hast asked for thyself understanding to discern judgment;
Behold, I have done according to thy words: lo, I have given thee a wise and an understanding heart; so that there was none like thee before thee, neither after thee shall any arise like unto thee.
And I have also given thee that which thou hast not asked, both riches, and honour: so that there shall not be any among the kings like unto thee all thy days.

God bless.

and that is where you missed it tithing was part of what prospered Solomon, you aren't reading your Bible well

Rearealki:
I have been single for a while.

Most ladies I approach are either in a relationship or they are married. I end up getting disappointed.
I have observed that most ladies 20 or above are in a relationship.

I dont even see single ladies

The only single lady I found was so rude and disrespectful. I had to abort any relationship because it the thing I can never tolerate.

Even if you are getting old, forget girls, focus on yourself, you mindset, learn how to be strategic in every area of your life, develop good social skills. Girls are like fishes you don't catch them by hunting you catch them by being smart

madridguy:
Good move by Tahir Ali. With time Islam will be the only religion in the UK and Shariah law will come to pass.

Nigerians in the UK should start sending their children to Arabic class before it is too late.

The wickedness the British did during colonization will surely visit them soonest.

well done you really deserve 1 bottle of Urine beer for this r*shful comment

Vikto17:
My mother is becoming something else honestly... l don't know if it selfishness or something else...

l will be 30yrs next year ,have a business that is paying me well , my fiancee is also doing well for herself .....

l realize that each time l raise issue regarding marriage. my mother keep on emphasizing on building house first and riding cars...l feel she is either not in touch with reality or she is afraid the help l am giving the family will stop once l get married...

In either way l am gradually smelling danger...my parents may disapproved my marriage because of their selfish reasons...

The thought of it annoys me honestly,, because l intend doing this marriage with or without their concept.. how do l start handling this issue? l intend getting married highest by 2026.please l need ur advice nairalanders..

Your mum gave a very intelligent investment advise. The money you could have used to build a house or car, one self-centered lady and her parents that are privy to your income will think of bombarding you with list for bride price and products to bring especially those from Akwa Ibom, Imo and some others. If you build the house and buy the car it is in whose name, yours of course. You can sell both at any time at even an higher price. What your mum is telling you is that your business can go down at any time but if you have a house and a car you have collateral for restarting. She is seeing what you are not seeing

Goodtrendytvv:
I have a YouTube Channel with over 8,000 subscribers for sale because I have other YouTube channels which I'm focusing on right now and I have not been posting on this one for a while now, so it's better I sell it off.

The YouTube Channel niche is entertainment news and celebrity news and so on.

If you're interested let me know only serious buyers please.

how much is it

Sharpgrace:
I recently came to do some business around Benin city,
I will be leaving in few days time,
Please I need an experienced Web designer to help me with a simple project,
Someone that has an office address or where I can come to,
Because I can't pay you online o without u delivering the job,
You can drop your whatsapp and I will contact you,

. What is the project.

Abujaexpress:
What career path do I advise for my daughter? Currently in J.S.S 1, she's so good at English language which has earned her several awards and commendations right from her primary school.

Although, this is her first examination at Faith Academy Secondary School, but she has started to draw the usual accolades and commendations both from her class teacher, particularly her English teacher who walked up to her in class to single her for praise as she scored 100% percent in English Language which the subject teacher acknowledged that the feat was unprecedented from her students.

In contrast, she is not as good in mathematics as she does in English language, which can be traced to the poor mathematics background from her previous schools, but I have made several arrangements to encourage her so that she can improve and get better in mathematics.

My career advice and counsel for her from the outset is for her to study Nursing or any discipline in the medical profession, but with this development, I am thinking otherwise, of she has to shift focus and major in Arts & humanities or to put extra more effort to proceed into the medical profession, particularly to become a Nurse or Doctor as we have envisaged and for which she has a strong passion.

Career advisor and Counsellors, come in and drop your expertise.

She should study Mathematics or Computer Science, it's too early to decide. Maths is very easy just let her fall in love with solving like 40 questions per day, create a strong reward system for it and see the effect

Investigator1:
Real estate 101 with Somide Samuel

Do you know buying a land in your child name is illegal and void?

Did you know that children under 21 are not allowed to legally possess landed property in Nigeria? Purchasing land in your child's name might seem like a considerate move, but it could lead to major legal issues down the road.

Here is why:
1. Absence of an occupancy certificate (C of O): Since minors are not legally recognized as owners, the government will not issue a C of O for land registered in their names.

2. Ownership Conflicts: Since juveniles lack the legal competence to possess property, it would be very difficult to defend title in court if there was ever a dispute over the land.

3. Government Acquisition: It would be very challenging to establish ownership and demand payment in situations where the government requires the land for public uses.

The Best Way to Secure Property for Your Children To avoid these issues, always register the land in your name and designate your child as trustee. When they reach 21, you can transfer ownership through a Deed of Gift. Minors can inherit property through a will, with trustees maintaining it until they reach the legal age. Protect your investment by adhering to the law. Taking shortcuts today may lead to regret later. Secure your children's future in the proper way!

another option is to create a trust that will then own the land

DrDoc:
Why dont you use this money to build wealth here ? How you people jump on this travel train can be very very unbelieveable. 10M will set up an irrigated Soya Beans farm that will give atleast 80 M in eight months. Nigerians smh

bros that money is too small na, inflation don spoil am. Your best bet is to use it to do a business that will do X10 then you can now decide. Inflation has depreciate our monetary value

castins:
I currently work with a multinational company here in Nigeria, I have a son and my wife to take care of.

My wife is a registered nurse.

I want her to travel abroad for further studies, I have some savings already. And I eat. #1.5 m+ monthly.

Please can you suggest best countries she can go for studies and also with prospects of getting permanent residency soonest.

. if she is young and not more than 30 to 35 china is good there are scholarship package

PoultryStuffx:
Drop contact

you drop your number or email na. Wallet draining can you imagine

qualitysports:
Drop contact for more info

08089456258

Laggafin:
Otedola build Ur own refinery too and stop long epistles

. he has a good. stake in Dangote Petroleum that is why he is praising him

Goodboy2000:
I have been contemplating whether to proceed with my Japa plans with N8m and which country can I travel to ?

Or

Should I just start up foods stuffs business here In Nigeria?

what were you doing before

Redoil:
sorry for posting it here

i need to register my employee in pension contribution fund
what are the process i will need to follow

In Nigeria, registering employees for pension contribution is mandatory under the Pension Reform Act (PRA) 2014. Here's a step-by-step guide to help you comply:

Pre-Requisites:

1. Ensure your company is registered with the Corporate Affairs Commission (CAC).
2. Obtain a Pension Clearance Certificate from the National Pension Commission (PenCom).

Registration Process:

Step 1: Choose a Pension Fund Administrator (PFA)

1. Select a licensed PFA from the list on PenCom's website.
2. Consider factors like fees, investment performance, and customer service.

Step 2: Register with the PFA

1. Submit your company's documents:
- CAC Certificate of Incorporation
- CAC Certificate of Registration
- Memorandum and Articles of Association
- Tax Identification Number (TIN)
- Proof of address
2. Complete the PFA's registration form.

Step 3: Obtain a Pension Scheme Name

1. Apply for a pension scheme name through the PFA.
2. The scheme name will be used for all pension-related transactions.

Step 4: Register Employees

1. Provide employee information:
- Name
- Date of birth
- Employee ID
- Date of employment
- Salary details
2. Ensure employees complete the RSA (Retirement Savings Account) opening form.

Step 5: Open RSAs for Employees

1. The PFA will open RSAs for each employee.
2. Employees will receive their RSA details.

Step 6: Commence Pension Contributions

1. Calculate and remit pension contributions (minimum 10% of employee's emoluments).
2. Contributions are split: 5% employee, 5% employer (for private sector).
3. Government agencies contribute 10% (employer) and 5% (employee).

Step 7: Submit Schedule of Contributions

1. Submit monthly schedule of contributions to the PFA.
2. Ensure timely payment of contributions.

Additional Requirements:

1. Maintain accurate records.
2. Conduct annual valuation of pension assets.
3. File annual pension returns with PenCom.

Penalties for Non-Compliance:

1. Fine of ₦500,000 for failure to register.
2. Interest on unpaid contributions.
3. Possible prosecution.

Useful Resources:

1. National Pension Commission (PenCom):
2. Pension Fund Administrators (PFAs): List available on PenCom's website.
3. Nigerian Pension Reform Act 2014:

Consult a Professional:

Engage a registered pension consultant or lawyer to ensure compliance.

By following these steps, you'll be able to register your employees for pension contribution in Nigeria.

durentboi:
I'm 26. What online and physical skills do u recommend I learn for the future

Go and learn how to be bold and how to sell yourself

forgiveness:
That was what he did in the Cement industry and now we are paying through our nose.

He wants to do the same in the oil industry. He no go work.

If you don't want importation, reduce your pms price and see how importation will die naturally.

you are very right, he chased Otedola and the likes of Ibeto away from importation which was way cheaper