₦airaland Forum

agadez007:
there was no cows found at the scene of the killings so it cannot be the fulanis,same way we go with amala and gbegiri when we go for head hunting


Yoruba muslims-2019

please stop all these your religious fanacism. learn to keep an open mind. there's good people and bad people in any denomination.

in every village community who can't afford tech u can breed and maintain 1000 hunt dogs.

oyibo. everything na sports. even eating mosquitoes will soon become a competitive sports. I like the spirit ; life is fun all true

Godlylifeoneart:
Good morning folks,
Have you been asked by a good friend for a financial rescue?
Then read dz from financialfreedominspiration.com


Before borrowing money from a friend, decide which you need most.
—AMERICAN PROVERB
Money and friendship often do not mix very well, like drinking and driving. Money can part the best of friends, and can even sour sibling relationships in some instances. That is one of the first lessons you learn if you are a fan of Judge Judy. The borrower feels the lender should be more understanding or even write off the debt entirely especially when the borrower feels the lender is relatively much better off financially than the borrower. The lender feels used and being taken for granted.

Owing a friend can be awkward, especially when the debt is past due. You start to feel uncomfortable and start offering excuses even when none is demanded. Soon you begin to avoid each other.

Abuse of friendship

Borrowing money from a friend is an abuse of friendship. There is inherent emotional blackmail in the demand – if you love me, you will help, which means if you don’t, then you don’t care. That is subtle manipulation, trying to make the other party feel guilty. Some friends borrow with no intent to pay back. They feel the money is one of their fringe benefits from the friendship.

If we cut our coat according to our cloth, there will be hardly the need to put pressure on our friends to lend us money. There are genuine emergencies whereby a good friend will gladly give without an expectation of getting repaid.

It is the job of banks to lend money

Banks are in the business of lending money to the public. They have the funds and the personnel with the experience to evaluate risks. Banks do not care about your feelings. If you are creditworthy, they will give you credit. If you go to them with a hare-brained idea, they will politely decline no matter how you feel.



It is unfair to ask a friend to risk his savings on your business venture. He cannot analyze the risks even if his life depended on it. The best place to get a loan for a business startup is to borrow from your savings or from a bank and not from a friend (unless he is a willing investor). Such money often does not come back. Your friend is often not bold enough to say “No, this plan is rubbish, I am not ready to risk my money on this”. Rather, he will swallow his apprehension and give you his hard-earned money (hoping and praying that you know what you are doing), so as to avoid being seen as a dream killer or not wishing his friend well.

Lack of forward planning

Some people simply do not plan ahead. They operate on a pay as you go basis. Some look for money to borrow to pay maternity hospital bills, you begin to wonder if the baby dropped from the sky. Babies give 9 months notice, enough time to plan ahead and get everything ready. You would expect anyone who is not ready to shoulder the responsibility of a new baby to locate the nearest family planning clinic.

Some borrow to pay for expensive private schools, hoping and praying as they go along. When you borrow to pay the first term school fees, what about the second and third term? Is it sustainable? Is there any end in sight? You simply drive away the few gullible friends you have through bad debts.

Protection from predatory borrowing

To protect themselves from predatory borrowing by friends, folks have adopted some methods. I call the first method the inoculation method. You lend an amount to your friend knowing fully well he will default. With that bad debt as a barrier, the debtor friend is not bold enough to come to ask for another loan, knowing he has not paid back the last one. That first loan acts as an inoculation to give immunity to the lender – to protect him from further lending requests, and peace returns to the planet. The debtor friend is forced to go look somewhere else. Mission accomplished. This method is not foolproof. Some friends still come back for more loans nonetheless.

The second method is the gift method. A friend comes to you to ask for an N200K loan, you let her know you don’t have that type of money lying idle, so you chip in N20K as a gift. If she comes back a second time and ends up with another gift, she will get the message. She will either not come back again, or knows full well all she can get is another gift, which she may very well come back for. When the gift reduces in amount each time she returns, that becomes a disincentive to keep asking.

The third method is a flat out no, sometimes backed with a gift. Few have the courage to put their foot down this way, as they may not want to hurt the borrower’s feelings.

Giving with wisdom

This is not to say you cannot help a friend in need. We are to help others to the best of our ability. However, it is unwise to help others at the expense of our financial stability, especially if it is not a medical emergency. At aircraft preflight safety briefings, you are advised to put on your oxygen mask first in the event of a sudden drop in cabin pressure before you help others. If you are panting for breath yourself, you put both lives in danger. If you are not an expert swimmer, attempting to help a drowning man may result in two fatalities. The best thing to do is to call for help.

When you keep giving handouts to a friend or keep funding half baked ideas, you are weakening your friend, not strengthening him. By feeding him fish, you are weakening his drive to learn how to fish. You are helping and abetting financial illiteracy. If you keep helping long enough, both of you will go down, then he will go look for a new helper to pull down also.

We need sound judgement, common sense and a dose of financial literacy to be able to handle money especially when it comes to helping friends and family. Part of our monthly budget should include giving – tithes, charity, friends and family in need etc. Taking care of our aged parents is a responsibility which is not optional. However, whenever a friend wants to turn you to a bank or ATM machine, you need to decide which you need most, as money and friendship do not mix very well.

. well the same excuse some people give in other to be stingy. And some of them have their weakness in burukutu and women. they will never help a down friend or paddy of 200 naira, they will tel u stories but a strange girl comes along 200k appears from nowhere.

JimohMomoh:
What's the need announcing it to the public, those kidnappers will now up their game, they will research on how Taliban evade drones in Afghanistan and rub themselves with mud during night time.

. if them like make them rub themselves with cow shit

[quote author=anonymuz post=80082398]i tell you, that place isn't meant for the u no see urself, na babe u go find. hope u no go throw off beat format for them

5 units of tiled single rooms with eparate toilet and baths. we have 2 to share for 150k and own tb for 200k

PrecisionFx:
Dangote is a failed businessman n a money launderer.

99.99% of the businesses he opened has gone bankrupt, a fact u can never argue anywhere.

If Bua, Portland, Ibeto, Nigercerm, etc were not forcefully thrown out of the cement business and if Dangote wasn't allowed to be sole importer of sugar in many years, he would never had been a billionaire. He fed fat on Nigeria, same applies to other northern dollar billionaires n most dollar billionaires in Nigeria.

billionaires everywhere feed fat on the market they explore and exploit. go and ask Donald trump and the rest. but what marks u out is the thousands or millions of life ur project can touch and the value creation that comes with it . he has done far better than those stealing the money and keeping it in swiss account OK. I don't think he has 2 heads or the only favoured man from his region. if other people with similar vision, means, previledges, opportunities and drive follow suit Nigeria would have gone far

PrecisionFx:
It is very easy to launder money if the owners of the money are politicians and not drug dealers and child sex traffickers.

Dangote's noodle business folded, his tomato paste business folded in less than 18 months, he's trying to reactivate it, he isn't into oil and gas, he's still trying to get into it.

Before his monopoly in the cement industry, Dangote was not dis wealthy, it was selling cement daily to 150 million Nigerians that gave him wealth, nothing special.....everyone can do that.

Carefully read up about Dangote, take ur time to do so, this is a direct info from someone who took him as a mentor till he discovered what's up, 99.99% of the business Dangote has ever done has failed.

His cement brings in billions of naira, which many businessmen are making already, so that's not a big deal. His net worth is in billion dollars, his cash is far far smaller than that. He has been building a refinery for 6 or 7 years and has taken so many loans, yet he still couldn't complete it.

Dangote is a regular Hausa man in business, they usually have a lower IQ in the business regard n they rely on government to survive.

learn to spot and accept outstanding Achiever's and accomplishments without any form of bigotry. take it or leave it, the accomplishment of this man is beyond creed.. his vision and positive impact will last for ages.

IFNOTGOD:
Ban on importation of milk loading
Importation of rice was banned but some few groups have licence to import.
Now I see y sugar importation was banned.

Some of these items banned was not for d improvement of d country buy to satisfy a few thereby creating monopoly.

Fight in indomie, cement n flour comes to mind
Soon dey will ban importation of fuel once d refinery is done n den nja we hear

We are watching

please u can join d trade so that u can benefit from all this ban.

make them small small dey lie now haba wetin happen. 4m, 45m abi 450million dollars . that's enough to ground Lagos government

tstx:
One thing Nigerians need to know... If our federal government want to force RUGA on us, they will. And nothing, absolutely nothing will happen. That's the plane truth....

but u know thats bulshit unless they are planinh to fail. ultimately the people has the power. and people constitute government. mind u u are pushing for an unjust agenda.

jamace:
My worry presently is that foreign fulanis have flooded every nook and cranny of Nigeria. How can the indigenous peoples of Nigeria send them back to where they came from?

check out who are fighting in Mali and Ghana

martineverest:
'firay black man in space'...this is totally false.there have been many black men in space.

I could remember a Nigerian teenager (a northern lady) during Obasanjo's era was sent to space.she is the first nigerian in space

don't mind the news bearer jjare

tempest01:
4 million naira can only be invested to see something tangible in Nigeria.

4 million is chicken change.

How much to process for visa? Flight about 400k, accommodation is about 200,000 naira every month, 2.4 million in a year. Light bills, phone bills, etc like 50,000 naira a month 600,000 a year.
Transportation/food about 100,000 naira a month. 1.2 million a year.


You cannot travel abroad and invest 4 million except it is in Africa or other developing countries you are travelling.

while u are paying those bills are u not supposed to have picked up a job? attleast 2500dolars job per month and u ll still live better than some one earning 50k here

mu2sa2:
The 4m naira is just about 11k dollars. That is
small change in Western countries. Why not invest the money here and over time it grows. You can then afford to travel to Canada, Dubai or anywhere else for leisure, rather than to be just menial worker or even a criminal with all the risks involved. Someone told me that on his first trip abroad to London he saw a security guard in front of a shop and upon a closer look he discovered he was a lecturer he knew at a nigerian university, who left his job to seek so- called greener pastures abroad like OP is planning!

that 11k over there can take u places with some peace of mind

AntiBalaka:
Why will you blame yakassi when there are enough fools in the SW who are openly advocating for fulani colonies?

what is happening in Mali and Ghana right now?

SouthEastFacts:
This is where the problem of the North lies.

As far you guys continue weaponizing it as a political warhead, the North will always be gone forever. To fix the North, fix your population.

Fulani cattle industry alone is an 2 Trillion per annum industry if modernize but the idiats have their heads too deep at paralyzing the south that they forgot their own potentials.

With the South deeply considering animal husbandry in large scale, the Fulani's industry would be crippled and they will lose a good Forex leverage in the event of a future arewa republic.

The North has the largest deposit of quarry sites, but selfishness will not allow them to develop it. Right now, Cross Rivers, Rivers, Okigwe and Nkalagu controls the market in the East. I don't know where the SW gets theirs.

Invariably, the North has lost another money spinning venture.

The North boosts of the largest arable land for agriculture and should be right, control the food market in the South and entire West Africa, this would have been a multi-trillion naira market but their parasitic nature won't allow them to develop the industry and today, the South is looking towards Benue and if Benue gets her acts right, the can sign bilateral trade with the southern states to supply them with food.

If done appropriately, Benue alone with control over 600 billion per annum food market. This will cripple the North.

We pity the North, should the country divide, the MB are having their own separate country.

The North should wake up.

forget that hoax u see in the books, Benue, kogi and kwara is not a northern state. they shall reallign with their true .federation in the nearest future, an age of self discovery and rediscovery is beckoning.

franudi:
You are very very wrong.Nobody said that the Fulani herdsmen should not be in the south. What people are saying is that it is a private business, as such they should the federal government should not use tax payer's money to fund it.Another one is that Igbo man will come to your place and rent shop for his business. Also the Igbo man has never killed anybody or destroys another's man's property in the course of doing his business. Nobody will give anybody free land to do his private business. Federal government goofed in this one.Other countries are regulating migrants into their boundaries but Nigeria is porous.

imagine a good number are forigners

obama30:
The same Isiguzo who always attack Nnamdi kanu cannot attack the norths as it suppose. He Isiguzo should form a security to fight the Fulani's not to hope on Nigeria security which protect fulanis. all the community in Igbo land should plan serious ways to eliminates the fulani's in Igboland. They can start by poising the grasses and sending tunders and other spiritual form to wipe out the fulani's. come out in group and round the area they occupies and make sure no living thing escape. talking fire on news dosen't mean fighting . start something now before is too late. you call Nnamdi kanu coward now we want to see how you become a hero

please tone down on ur coments

somehow:
Yes, what is wrong with the comparison?

We have mechanic village, computer village, games village etc, what is wrong with herding/husbandry village?

what are the numerous abattoirs and ranches meant for

blackfase:
And you compare that with a RUGA initiative?

was it built for a particular group?

Omudia11:
You are an embarrassment to the himan race.

Hijacked by who? Are you in any way inferring that the fulanis are the victims in all of this? The fulanis who encroach into people's farmlands and villages, destroying crops and wiping whole villages are the people whose trade has been hijacked.

You are worse than a swine.

dislocating indegenes in their ancestral homes and still crying victims

Benekruku:
Are you reading what you composing?

So its because FG wants to buy them, that why it was shot down?


Please! Lets make sense here.

yes fg wants to bequeath an illegal land, and being preferential regardless of the atrocities carried out by some of them

samir101ng:
@Benekruku is making a lot of sense. Approach the matter with logic and not sentiments. A valid point to be made here also is the co constitutional rights of all citizens to live anywhere in the federation regardless of state of origin. If an Urhobo man decides to relocate and buy land in Kebbi to start a fishery business, he is legally entitled to. Same thing for a Kanuri man that wants to go to Ekiti and start a perfume shop. Both are Nigerians and can buy land and settle in any state. Once, you start chasing or driving away a certain ethnic group because of one issue or the other, it almost always attracts a reciprocal response.

now can u go through ur write up again and conscientiously acknowledge some words like: relocate, free to , buy up a shop, start a fish buissness. now is this what the other group are doing and are doing it peacefully and they gained this level of notoriety? please answer the question and set the records straight

Benekruku:
If the motives of the FG cant be trusted, cant state governors counter it with favourable terms and conditions?

I hope you read my points during RUGA debates on Nairaland. Ths issue was just politicised. Hate and tribal bigotry blocked many thinking faculties. But like the adage will say, "If you say peace is too expensive, then be ready to buy war".

Matter was never approached logically and their was never a will or intent to even weigh the option by Southern governors. Not even for the sake of National Security and peace.

u don't have a case okay.

Benekruku:
If I want to be fair and go by the recommendations of those that antagonised my humble and honourable self when I was in support of RUGA,

I will clearly state that the Ultimatum is well deserved. Many quoted me on Nairaland saying "RUGA should be done up North ONLY". Fine! And now they are also telling you to go trade in your region. Anybody that needs your product would come and buy in your region.

I think its fair with all honesty. If a Fulani or Hausa man is limited to trade in certain parts of the country, then I think other tribes should be limited to trading in there own region too.

I feel does that came for head when I was supporting RUGA can now find a better resolution to the impending doom that stares at us at present.


The English people call it "Tit for Tat"
Warri people call it "Do me, I do you"
Men call it "An eye for an eye"

the trading they are doing up north was it the federal government that fund it and institutionalize it? the other fellows can also buy up space and ranch in other parts of the country

Benekruku:
If I want to be fair and go by the recommendations of those that antagonised my humble and honourable self when I was in support of RUGA,

I will clearly state that the Ultimatum is well deserved. Many quoted me on Nairaland saying "RUGA should be done up North ONLY". Fine! And now they are also telling you to go trade in your region. Anybody that needs your product would come and buy in your region.

I think its fair with all honesty. If a Fulani or Hausa man is limited to trade in certain parts of the country, then I think other tribes should be limited to trading in there own region too.

I feel does that came for head when I was supporting RUGA can now find a better resolution to the impending doom that stares at us at present.


The English people call it "Tit for Tat"
Warri people call it "Do me, I do you"
Men call it "An eye for an eye"

the trading they are doing up north was it the federal government that fund it and institutionalize it?

OakPearl:
BREAKING!

Airtel Nigeria was unable to attract up to 300 institutional investors, a minimum pre-listing requirement it needed to meet in order to become listed on the Nigerian Stock Exchange.
They were only able to attract 130 institutional and high net worth investors as shareholders.
Act 1, Scene 2...

https://nairametrics.com/2019/07/04/airtel-fails-to-meet-get-minimum-number-of-shareholders-required-for-nse-listing/

meanwhile the institutional investors in Nigeria are they up to 300?

passyhansome:
IN A SANE COUNTRY ENTITIES LIKE THIS SHOULDN'T BE MAKING HEADLINES BUT WHAT DO I KNOW, WHO IS HE? WHAT VALUE IS HE CREATING OR ADDING

he is the traffic administrator in Oshodi lagos nigeria

stcool:
No his friend Dangote would soon start production and Subsidy will be removed by the useless govt. Then profit would be based on competition and market share.

He has to port to the new area they expect the next subsidy to come from in the form of govt grants, loans , over billings on Nigerians etc to continue their flamboyant life!

Nigeria my country!

but which step gpvernment take wey una no see negative? encouraging local production still bad again ? my people my people!

Chibuking81:
So you prefer Cham that recorded profit in 2018 than FCMB that has been in business with year to year improve in earning and dividend payment, which recently acquired Legacy pension, that handle pension of civil servants, this includes some section of Rivers state civil servants and other states pension fund, they have CSL stockbroking as one of their arm. https://www.fcmb.com/node/301

FCMB might record higher EPs than Fidelity by 2019 final year goes by the level of their high jump in EPs and dividend pay out, And will likely pay higher dividend again than Fidelity in 2019 FY. https://www.proshareng.com/news/Corporate%20Results/FCMB-Declares-N14.97bn-PAT-in-2018-Audited-Results--Proposes-14-Kobo-Dividend/44617 I believed in research, remembered I have other companies that I have more interest in than FCMB, but this company is too important to ignore, for the interest of new members here.

I also do this Just to clarifying you, to avoid mistake, or buying Chimpanzee in the name of Monkey.
So you prefer Cham at 50 kobo than FCMB at #2? I was among those that talk about Cham when one of the members here mentioned them at their 20 kobo car park. But at their current price there are many companies that has better chance than them. Stocks like UBA, zenith, GTB, FCMB, Fidelity, Afriprudent.

Many have come and gone, Eterna came up for one /two season of good EPs, and started dropping down in EPs by q4 2017 and Fy 2018/ q1 2019.Likewise Dangote flour recorded increase in EPs in FY 2016 and 2017, but drop massively in all quarter in 2018, including the final year. Jberger also came up for one season and drop the next season.

Cham just record higher EPs in just 2018 final, but I doubt if 2019 final will surpass that of 2018. They will likely declare decrease in 2019 FY EPS against that of 2018 FY. Cham pls can't be compare at all with FCMB/ Fidelity.

http://phx.corporate-ir.net/phoenix.zhtml?c=217705&p=irol-dividends

oga I thought u made a kill in this chams why now demarketing it? or did u bail out early because of the noise? a stock that gave u 200% u need to praise am.o
how much did fcmb and fidelity give u in that period?