Chisomaga

Fought the good fight, finished the race, kept my faith. Here for a good time not a long time.

[The Beat-Oven✨ @The_BeatOven]

Crazy how you can live your entire life normally, getting average jobs. Then, one day in your 30's, the entire world just decides that they're gonna thirst over you for a full year. Same face, nothing changed.

Just your life...your life changed

I believe in time and chance

[Sir Dickson @Wizarab10]

😂😂😂😂

[Marcaroni @Marcago5]

i tried hyper realism (yes this is a drawing)

[YOM🗣️ @ThaBoyYom]

I clocked something..

Rent is always paid for, nobody notices that the DSTV subscription hasn’t gone off since, nobody notices that the kids haven’t stayed home since they started schooling, nobody notices how the cooking gas is always filled when it finishes, notice how there’s always light in the house even with the crazy units, there’s always fuel in gen when there’s no light.

Nobody appreciates the Man SPECIALLY for all these.. it’s seen as “that’s his job”.. he gets no special props for it.
.
.
.
.

But the moment you ask why there’s no food in the kitchen and/or why the kitchen is dirty..

It becomes “You think it’s easy to cook and clean, appreciate and support her”

Women want appreciation, support and incentives for their roles, while a Man wanting support for his own role is “not Man enough”.

+ When the Man supports her role, “He’s doing it for his family”

When the Woman supports his role, “She’s doing it for HER MAN”(and not for the family)

These are the issues…

Men need to clock so many things and start speaking up more to regulate these narratives… we can’t continue keeping quiet.. na beg I dey beg una.

[UtdTruthful @Utdtruthful]

🚨🗣️ Licha Martinez on Amorim: "When you say hello to him and look him in the eye, you see everything. I see a lot of passion in him and his desire to put Manchester United at the highest level, in the way he behaves every day in training and in matches." #MUFC

[Noir_Dante @olisaobioha]

Y’all are so shallow minded. Man was traumatised. He wanted revenge. He thought stopping the games would be a way to do it and save others. How is this not noble or respectable? It’s different if he won billions from snitching or doing some illegal shit, did we not watch the same show? Y’all really just proving the point of the movie that in the end the avg human is trash and would do anything for money

[Aji Bussu Onye Mpiawa azụ 🇨🇮 @AfamDeluxo]

It’s so difficult to have honest conversations with you all on this app. How do you label a man who lives in the US, files for a woman from Nigeria, and pays all the necessary bills to bring her over, a “failed man”? Secondly, many of you keep regurgitating the narrative that men intentionally go home to marry women specifically because they’re nurses. While that does happen, it’s not always the case. For instance, in the most recent situation in my city, both partners were nurses. Can we, for once, have a genuine and honest conversation about these issues without unnecessary generalizations?

[Kalu Aja @FinPlanKaluAja1]

Today's X Money Space

[Naija @Naija_PR]

Do you agree?

[Keno’s mum 🇨🇦🇳🇬 @nero_joy_]

This conversation is hilarious 😆

[James Harden @JHarden13]

the coldest 🥶🧊 #V9 #Uno

[Kalu Aja @FinPlanKaluAja1]

He is wrong

This assertion that “mortgages are rent” ignores the correlation between the middle class and owning a home.

If you rent, you are paying rent that is subject to inflation. If you take a mortgage. You are paying a fixed cost for 10, 20 or 30 years with no inflation

But it's more than that.

If you lease/rent a house, the bank owns it; you are renting from the bank, you have no right to the appreciated property, and you also pay, in some instances, renters insurance that covers the interior and property in the home. You can't sell it because it's not yours

If you take a mortgage from the bank, buy a home, and paint it, the appreciation of the property is yours, and the bank or any financial institution will even offer you more credit using that “equity.” you now own on that property.

Also, mortgages save on inflation-indexed rent. That inflation I do not pay as a homeowner is unearned income to me

Finally, a couple starting at 30 do not have the capital or assets to approach a bank to borrow to buy homes and rent out, that a pie-in-the-sky

The way it's done is a first mortgage, which can then enable that couple to build equity that they can use to buy a second home and possibly rent out the first home that they OWN EVEN IF THEY ARE PAYING A MORTGAGE

A home you bought via mortgage is an asset; it sits on your asset side in your balance sheet, and the mortgage sits on your liability side. See the power of a mortgage: as time passes, inflation rises, the house value goes up, and the cost of the liability falls (because you're paying exact Naira cost for a minimum of 10 years)

Thus, over time, your net worth appreciates with a mortgage.

Thus, a mortgage is a pathway to the middle class; I don't want to get racial, but look up the wealth in America and compare it to home ownership

Finally, There is good debt and bad debt

All things being equal, a long-term mortgage with low interest rates to acquire a home in a good location is a good debt

Thank you

[Chisomaga @Chisom_44]

@Iamemmau With nothing to show for it. Let tj
Press his neck jare.

[Dave @d_e470]

Bringing this back:
A lot of people will be moving houses from next year, so i have listed out things you should know:

- EPC rating : C and below (C, B or A). EPC of D is only advisable as a temp solution.
- Council tax: A is cheapest (that should guide you).
- Ensure you make a video & take pictures of the apartment the day you move in.
- Ask for the Electrical Installation Condition Report (EICR), Gas Safety Record Report (GSR) & Legionella Risk Assessment Report (LRA): even if you don’t understand the technical terms, make sure everything is certified Okay on the reports.
- Ask for the Inventory and cross check it with what is in the apartment.
- Take your meter(s) readings and call the energy supplier that day to inform them of your move in date and readings. You can decide to switch or remain with them but ensure you give them that readings.
- Don’t choose a fixed contract in the first 2/3 months. Understand your usage & bills before going for Fixed.

[After Midnight @Gyakie_]

jacx.

[Chisomaga @Chisom_44]

My mom just dey entertain me this night. That woman is so funny and I love her so much.