soberdrunk:


Dont take this the wrong way, are you a 'Straight" guy?

Have you got beautiful sisters with obvious assets?

I'm actually very capable ya know

bootylady101:
she said she "labored " with him

abeg how is that possible?

They were together for a certain period right?

Being together and working towards a common goal = Laboring together or whatever you want to call it

Marriage is a partnership regardless of the weighted contribution by either party

soberdrunk:


How do you live? How do you survive? Am always shocked when a Man says "i dont drink"! You stopped or you never started?

The fear of getting drunk and not being in control of my actions was enough to stop me from getting started

soberdrunk:



I have marked your face, you are owing me beer, nor use laugh cover up

I don't drink and certainly won't encourage it


Something else and i might oblige

soberdrunk:


Are you not a "Child" of God?

Yeyebwoiiiii

soberdrunk:


See how you are changing my words like my Ex-gf. I simply said you dont know someone and you are insulting the person, to end this war of words, buy me 5 bottles cold gulder and we will forget this ever happened.....

You committed the same offence bro..How did you manage to conclude it's okay to classify me as a child?

PenisCaP:


But u...u may need to burrow brain from a goat bro.

I am the truth that hurt u guys
My many experience in yorubaland no b beans.
now i know all ur games and beat u to it.

Can you see your life now ehn?

Logic and common sense clearly shows a borrowed brain from a lesser animal is way better than having a non functional brain as it's basically stuck in your anus

Did they not teach you in primary school not to generalize especially on a topic with wide variance.

Bloody monkey!!!!

soberdrunk:


You children will just open your mouth and insult anybody on Nairaland, you dont even know whether its your father that is commenting...

It's obvious your brain needs rebooting if you derived joy/comfort from abusing your father just to make a baseless point.

PenisCaP:


Dude forget those lies against d lady.
Yoruba men are very abusive.
Yes u will say not just them but the crime is high on their side.. and it is worst wen they marry other tribes women they like to control and show superiority to d extent of trying to turn them to s*x object..
And expect their women not to ask them "where ar u comming back from" when they come back late in d night
Tonto dike
Monalisa chinda
Mercy aigbe.
Rukky
the list can go on and on.

My distant cousin who married a yoruba was malteated and abused mercilessly..
To d point she has to abandone d marriage.
Forget those lies against this woman they abuse women alot.

You might need to relocate your brain from your Anus bro

#Justsaying!!!!

soberdrunk:
Lanre must "PROOF" it ooooo!!!

Shattap diaaaa

She was clear and concise with her message and that mistake should be excused since it wasn't a noticeable pattern

I find it hard to understand why these people choose to live their lives on social media....

Na real wa

UjSizzle:
The last injection I got over 2 months now still hurt. Is there a good reason for that?

Extra pounds duhhh

UjSizzle:
Why all the negativity?
Is it your virginity?

The way you paint it, makes the whole thing feel like a character flaw.

Yes, people's marriages fail but at least it didn't happen because they were ho'ing around.

Pained b*tches everywhere.

Original Virgin rights fighter

Na you biko

erico2k2:

Don't forget we are 60 million only . .
Our consumer base is very small . With that in mind I'm sure you can re evaluate your records in this contex
Ie U might manufacture more tyres than the UK it the UK might manufacture more kinds of cars than the US

Your wahala is too much jare

I'm sure you already know you aren't debating with an illiterate

Anyhoo, here is the methodology used for the index

Obviously it doesn't compare absolute figures duhhhh

erico2k2:

Realy.what don't we manufacture ?
Go on let's see.

FTSE is dominated by what sector?

https://www2.deloitte.com/content/dam/Deloitte/global/Documents/Manufacturing/gx-global-mfg-competitiveness-index-2016.pdf

ephi123:


Hmmm. Was thinking the incentives would be more tax-related...

Property tax will be factored into the sale now

Remember we aren't talking about people that can't easily afford these properties. Investment outlook will be expectedly different

They are simply big players

erico2k2:

That is what you think.the history nd father of electronics is in the UK . is best thought here

History in this day of age?

UK is not a manufacturing economy

Reality validates the obvious

ephi123:


I have no doubt homes grow in value, my question is more about the advantage of cash down full payment vs leveraging the same amount.

Leveraging is highly susceptible to market forces and the assets aren't truly yours so they can be disposed off at a loss as they deem fit when you default

The domino effect experienced during the subprime crash by quite a lot of property investors comes to mind

Your own fully paid home can easily ride the wave if you aren't exposed to the same market forces

ephi123:


Is that because they cannot easily get a loan from the bank leaving them with no option but to pay in full? What exactly is the incentive for them..

Demand being constant

Future Value of asset is sort guaranteed because demand stays constant

Those are the incentives

ephi123:


I beg to disagree.

How does demand/short supply make an investment safe after it's been fully paid for?

Using this same hypothetical scenario, the person pays $800k cash for the property with no fallback fund. Let's assume he/she loses the job/source of income, although there will be no mortgage payments or rent, other living expenses will still be there.

If the same person had split the $800k into 4, and used $200k each as a down payment for 4 separate properties, in the case of any unforeseen event, there would be extra income from 3 properties, and those income can even be used to pay off the main residence. Plus he could borrow more from the bank using any of those properties as collateral.

I know people have different risk profiles, but cash down payment in my opinion is actually riskier.

I didn't know the argument was based on fully paid investment

Thought the figure was for downpayment

So yeah you are bang on point

erico2k2:

I do get it but where I'm steering you to is this
In the west thier universities have the best of the best
Let me give you an example where is the best place in the world to sturdy elect elect ? Japan , us or UK or Germany ? ?

Still MIT bro

That's the benchmark

I'm an elect/elect engineer so i should know

erico2k2:

Well since I live in London I rather go to Oxford cos it will cost me more to relocate to the US for Harvard .

You obviously don't get it do you?

You don't necessarily have a business going to oxford if you intend studying electrical engineering since MIT delivers the best value

ephi123:


I don't think you minimise risk by tying such an amount down. Infact, it's the reverse, especially if there is no fallback fund anywhere else.
Option 2 I see reason with.

You actually do if you consider the following:

Demand and short supply is certainly the dynamics dictating the outrageous price and that will sort of make your investment safe and somewhat assured on the future value ish

Whereas spreading the money across the same asset class but different locations will have to worry about oversupply

As an example, institutional investors rarely invest in low end properties due to the same issues outlined above

ephi123:


Why would anyone with $800k cash even tie it down into a single asset when you can spread it around and leverage?

Minimise risk
Longer term outlook
OR
It's simply a home not an investment

erico2k2:

How does the three u listed up there not available in the EU ? Ie Germany and France ?
And talking about EU . Are we talking Nigerians EU or Eu Eu ?

Why do they bother rating the universities If the quality is the same across the continent?

Value for money simply means you get more value attending the best schools

Ggggggrrrrrhhhhhhhhh

If it's going to cost you roughly the same amount of money to attend Harvard/MIT or London Met, which would you choose?

erico2k2:

What you are saying still done add up . Why would EU citizens come here to get student loans when thier own educational standard is cheaper than the one of the UK ?

Value for money
Specialist courses
Access to specialised market
International appeal

erico2k2:

2nd . Loans are for full time student . So after getting your stay how do you propose to be a full time student ?
Coming from the EU to get a loan is now challenging cos of brexit

I guess you've concluded loan is usually sourced from a single provider which isn't the case.

https://www.gov.uk/government/news/funding-support-for-eu-students

AimingIncognito:


Not me and you, go with ur wahala

Oya no vex jor

Come back hia

AimingIncognito:


Carry your wahala and go

I wan carry am follow you jor

Let's debate this ish now

Oya abegiiiiii

AimingIncognito:


Ohh, now i understand where you are coming from. Eeya,accept my sympathy

You are still making wrong assumptions

Phew!!!

Must you be one dimensional?

Just run along abeg

AimingIncognito:



Okay bro, now i feel your pain.
I'm not gonna start a nasty argument on a faceless forum, if you would like to express your "team-single-till-i-die-is-the-way-of-life-rule'', kindly take it up with the OP

Like i saidwrote earlier,i feel your pain brother, we've all been there. All the best. Please note the word is spelt It is 'marriageable'

We don't have to engage in nasty arguments na.

So here is a background Info about me.. I'm happily married with a wonderful 10 year boy BUT i've met enough women that doesn't share the traditional views about marriage. You will agree that there isn't a one size fits all approach to love right?
That's the point i'm trying to make you see

Marriage is good no doubt but it doesn't guarantee happiness if that's the desired end result

AimingIncognito:


How old are you?
I'm talking to people within a 'marriageable' age with 'marriage' as their ultimate goal before jumping into a relationship with someone who wants something else.

Probably Way older than you and i'm certain my exposure has enabled me see things differently.

Marriage isn't the ultimate and heck what's a marriagable age and who determines it?

Don't you think that's the nonsensical societal pressure that possibly makes these girls make mistakes that in turn warranted this thread?

AimingIncognito:
Ladies, BE SMART! I repeat: BE SMART.

The 3 compulsory-default questions in your "Getting to know you phase'' with any guy should be;

1. Are you married?
2. Is anyone married to you?
3. Please i'm begging you in the name of God, are you married?

That's IF marriage is your ultimate goal in life

Some people are perfectly comfortable just being in a loving relationship ya know