Enwhen:



Yes o ... Except you will come out very early before the hold-up build up

But for evening , you can't escape it

Thank you

abbey621:
All this na noise, if you have a proper copyright or trademark then file notice of infringement and sue them! Gone are the days of words without action, sue them for billions not only in Nigerian court but anywhere in the world where they do business!

Exactly. Just noise.

Hello there,

I'm trying to rent an apartment at Ashela ROYAL Estate, Ogombo.

I'd like to know if there's traffic in the evenings or mornings when heading towards Adesanya or going to ogombo round about.

fullclub:
The debate around relocating abroad (“Japa”) has intensified after media personality Dele Momodu claimed that anyone who spends ₦30 million to leave Nigeria is a fool. His statement sparked mixed reactions online, with some agreeing while others says that that 30 million is nothing compared to the financial reward that comes with japa

Having lived in the UK for some time now, I’ll share an honest perspective on the financial reality of life here, especially for those considering selling anything just for relocation.

Breaking Down Earnings in the UK

For context, I work an average of 36 hours per week (9 hours daily for 4 days), meaning in a month, I clock 144 hours of work.

Minimum wage in the UK is £11.44 per hour, and most employers are required to pay this, except in cases like apprenticeships.
144 hours × £11.44 = £1,647.36 per month
After tax deductions, which depend on factors like number of jobs and tax codes, my take-home pay is around £1,479.55.


Monthly Expenses in the UK
Here’s a breakdown of my fixed monthly costs:

House rent – £700
Gas & electricity – £120
Council tax – £110
Water bill – £43.46
Food – £200
Transport – £140
Phone bill – £52 (for two people

Total expenses: £1,365.46
Remaining balance: £114.09
Although i could have chosen to work up to 5 days which would have given me total income of 2059 and 1775 after tax but to give my partner a chance while i take turn to look after the kids

Note: food is extremely cheap and affordable unlike in Nigeria. That's why most that relocated after few months they look revived and fresh

Now, factor in additional responsibilities. We send £150 monthly to family back home in Nigeria. My wife, who works part-time (two days per week because of our baby as leaving the children will risk losing them to the governmen), earns about £732 per month, which we try to save, though unforeseen expenses (baby food, transport, etc.) often reduce our savings to around £500 per month.
Aside this we spent over 4000 pounds this year alone for health insurance. Yes its a must you pay it and funny enough i have not visited the hospital once since i arrived.

More worrisome is the endless billing from home , the billing from friends and extended family is out of this world, from your pastor who want tithe in pounds and thinks it's because of his or her prayer u went out, to your siblings, to your inlaws, to secondary schools friends, university's friends to even your street guys to Facebook friends. Those who will quickly open Opay account for their 3 years old child and forward you school fees or birthday bill. What about those who forwarded us their house rent bill to help clear their rent of over 500k abeg na

A lot of Nigeria said if they are offered 50 million and japa, they will prefer japa as they will earn more over when i read this comment on Facebook i just laugh hard as this is not the case as a research said that over 39% of UK residents have a minimum of 1000 pounds as savings this means that Despite earning in pounds, many struggle with high living costs, taxes, and bills but on the other hand In Nigeria, ₦50M can fund investments that generate steady income.
In the UK, unless you’re in a high-paying field, you will mostly live paycheck to paycheck


Comparing Life as a Single vs. Married Individual Abroad


Single individuals have a higher chance of saving since they have fewer responsibilities.

Married couples without kids can maximize their earnings by both working full-time while covering expenses from one salary and saving entirely the other salary.

Families with children face higher expenses, including childcare, health insurance, visa fees.

This is why adequate preparation is crucial before relocating, especially for families


Is Dele Momodu Right? Should You Japa with ₦30M?
We should understand that Dele Momodu is an elder and vastly traveled and he knows what is obtainable in Europe and America.
His point is valid if you look at finances alone because at the ene of the day almost all you make goes back to the system. But If insecurity concerns and food inflation in Nigeria didn’t exist, staying back with ₦30M would be a better financial decision as you could expand your business.

Another thought is the issue of owning a house. An average 3 bedroom house cost over 300k pounds and i have worked with colleagues who are in their late 50s struggling to work and pay off their mortgage so as to be free while me in my 30s own over 3 house back in Nigeria . Some pays mortgage for over 35 to 40 years but shockingly most they end up selling it at old age hand over this money to care homes to take care of them till death. Note children dont have any responsibility of taking care of their age parents they leave their lives while the parents uses proceed from their house to offset this bill

Final Thoughts: Should You Japa?

Japa is not a one-size-fits-all decision. If you have ₦30M and solid income streams in Nigeria, it might be wiser to invest and build wealth at home. But if safety and quality of life matter more, than wealth accumulation then relocating might still be the best option but must be done tactically especially when coming on student visa as one academic error could throw u off.

Bottom line: Japa is not a magic solution—it requires careful planning, a realistic mindset, and financial discipline.

Picture below is my phone bill

There other bills i chose to ignore like the tv bill. I didn't buy tv because i know that one will end in another billing

I'd that £700 for two bed or one??

Interesting

Wow. Thank you chatgpt-My personal assistant

With Russian influence diminishing in Syria, Israel sees no need to tip toe around Russia anymore. Therefore calculations have changed.

Won't be surprised if Israel starts donating it's own heavy weaponry to Russia.

This is good.

Softmirror:
😂

6

ForUrgentSale:
Is the role for the painter still available? I have experience in furniture painting

Please register. It's still available.
Interview is on Monday.

Bobodee09:


Am only a house painter...

If that what is required please how can I apply

You don't do furniture painting?

You can apply here
https://docs.google.com/forms/d/e/1FAIpQLSeLMwbGgas-OS-zma2LQQQw4BqH_flqEAPav4vlIbADFjCQlw/viewform?usp=header

Bobodee09:


Do you still need a painter

Yes, we do.

AdeOba11:


I am an upholsterers and a professional 15 years experience ,

Ok. Can you share me your details. You can fill it in the link.

We have a lot of projects and we need expert hands.
https://www.instagram.com/candlng?igsh=dnpqMGRmaGhxY2tp

AdeOba11:

How about a contract staff

Yes we are recruiting contract as well.

Are you a carpenter?

Please click this link to apply for Upholstery work at our facility in Ajah.

https://docs.google.com/forms/d/e/1FAIpQLSeLMwbGgas-OS-zma2LQQQw4BqH_flqEAPav4vlIbADFjCQlw/viewform

We are still recruiting

Fgnm

Kindly help refer the roles. We are still recruiting urgently. Especially for upholstery.

You can post pictures of your work by assembling it on word document and converting to pdf.
Or you can share a sample of your work through jpg.

Babzb

Our company, CANDL is a furniture and woodwork company in need of Six upholstery staff, two expert carpenters and one painter.


Kindly fill the link below if you are interested in working with us on full time or contract basis.
https://docs.google.com/forms/d/e/1FAIpQLSeLMwbGgas-OS-zma2LQQQw4BqH_flqEAPav4vlIbADFjCQlw/viewform?usp=header

Our factory is located at Ajah Lagos and we are looking for staff who live and reside in Lagos.

SALARY: EXPERT AND SENIOR CONTRACT STAFF

Senior Carpenter: 800,000 - 1.2 million naira per month. This is dependent on completing your work target.

Senior Upholstery: 800,000 - 1.2 million naira per month. This is dependent on completing your work target.

Senior Painter: 800,000 - 1.2 million naira per month. This is dependent on completing your work target.

SALARY FULL TIME STAFF (With Accommodation)

Carpenter - 75,000 - 150,000 per month.
Upholstery - 75,000 - 150,000 per month.
Painter - 75,000 - 150,000 per month.

Deleted

Seven

That is Islam in its raw element. A vigorously backward and oppressive religion. This is why I say that if you find a religious moderate Arab dictator like Assad. Just leave him in power.

I'm sorry for the women there. But unfortunately there's nothing meaningful anyone can do at this point.

By the time Taliban is done with Afghanistan, they will beg for Americans to come and 'colonise' them again.

MICHEALADEX:
He took the words from muric

He read muric script

Period

Yep exactly.

Nobody has time to be sponsoring banditry in the south. The north has also never needed a private airstrip and they are able to smuggle in and out.

There's one solution and it's for you to engage in regular fastings, prayer and word study.

Commit your time away from your husband and use it to gain deeper depth in Christ.

As you are gaining depth the Holy Spirit will regulate your sexual appetite - and make it normal. Currently, your sexual appetite is untamed and it's likely a product of your past.

This is something I have seen the Lord do for me when I commit myself to him. My sexual appetite is regulated to normalcy.

OfficialAPCNig:
The IAF has confirmed that it has taken out over 20 Iranian missile and drone sites.

This Israelis are too suicidal. Imagine dominating Iranian airspace 2,000KM from home when they have Jericho III with 6,500 strike range and can carry 1,500 payload.

Israel could have launched their ICBMS, but decided to use their jets to demonstrate to Tehran how porous their air defence is.

Imagine, a tiny country flew 2,000KM to your capital, conducted 3 wave strikes, destroyed 20 targets and flew back without you downing just one jet.

So, what are those S-400 and S-200 for?

😂😂😂😂😂

All targets were military targets. Next, will be energy and nuclear facilities if Iran don't behave.

But we make to check something, Iran should reiterate by flying their air Force 2,000KM to Tel Aviv.

😂😂😂😂

What Israel launched was Air Launched Ballistic Missiles. They can fire them from Israeli territory.

Norway’s sovereign wealth fund on Tuesday reported third-quarter profit of 835 billion Norwegian kroner ($76.3 billion), citing a stock market boost from falling interest rates.

The so-called Government Pension Fund Global, one of the world’s largest investors, said it had a value of 18.870 trillion kroner at the end of September.

The fund’s overall return for the quarter was 4.4%, which was 0.1 percentage points lower than the return of a benchmark index set by Norway’s Finance Ministry. The benchmark index against which the fund measures itself is based on the FTSE Global All Cap index for equities and Bloomberg Barclays indexes for fixed income.

Trond Grande, deputy CEO of Norges Bank Investment Management (NBIM), which manages the world’s largest sovereign wealth fund, said recent changes in monetary policy had “a pretty significant impact” on the fund’s third-quarter results.

“It’s been quite an eventful quarter if you think about it. It started with a lot of volatility throughout summer in July and into August and then you had the speculation of a soft landing and whether the Fed would cut,” Grande told CNBC’s Silvia Amaro on Tuesday.

“What I think you have seen from our numbers is that with a rising tide, all boats rise, right? And so, you saw a very broad increase in the stock market based on lower interest rates, essentially.”

The results come shortly after NBIM warned that elevated uncertainty and a “completely different geopolitical situation” meant there were now more risks to global stocks.

Equities, which accounted for 71.4% of the fund in the third quarter, notched a return of 4.5%. The return on the fixed-income investments, which account for 26.8% of the fund’s assets, stood at 4.2% over the period.

Norway’s sovereign wealth fund, the world’s largest, was established in the 1990s to invest the surplus revenues of the country’s oil and gas sector. To date, the fund has put money in more than 8,760 companies in 71 countries around the world.


A global easing cycle is currently under way, with major central banks taking steps to soften their aggressive stances on monetary policy as inflation falls in many high-income countries.

The U.S. Federal Reserve delivered a jumbo interest rate cut of half a percentage point last month. The Bank of England lowered rates for the first time since the coronavirus pandemic in August, and the European Central Bank last week moved to cut rates for the third time this year.

The Bank of Japan, however, held interest rates steady last month as it continues to tread cautiously on normalizing monetary policy. Japan’s central bank is regarded as something of an outlier in the global shift toward easing.

Asked about the outlook for tech stocks over the coming months, NBIM’s Grande said: “That’s a difficult question, right? Because tech has had such a phenomenal ride on the back of all the hype — let’s call it hype — about AI.”

“So, I think it’s a situation where you need to be maybe a little bit careful,” he added.

https://www.cnbc.com/2024/10/22/norway-sovereign-wealth-fund-posts-q3-earnings-2024.html

The man is definitely possessed by some horrible demons.

That is it.
This is why we said Dangote refinery must not fail.

Once others see that a sizeable investment like Dangote will succeed foreigners will have confidence to invest as well.