Once you learn how to shop directly from China, E.g Temù or shien your wardrobe changes completely. Call me cheap I don't care I ain't rich, I don't do fraud.😭
It's knowing what to search for.
Here's my style after making plenty of mistakes.
1. T-shirts:
Skip 100% polyester unless you're buying gym wear.
Instead, search:
• 100% Cotton
• Combed Cotton
• Heavyweight Cotton
• 240-300 GSM Cotton
• Premium Cotton
• Mercerized Cotton
The heavier the GSM, the thicker and more premium the shirt usually feels.
2. Jeans:
Denim Jeans
Temu is surprisingly good for denim if you know what to search.
Search:
• Denim Jeans
• Cotton Denim
• Raw Denim
• Selvedge Denim (if available)
• 98% Cotton + 2% Elastane
• 99% Cotton
Avoid jeans with high polyester content. The more cotton, the better they'll age and feel.
3. Body-hug clothing:
Search:
• Ribbed Knit
• Modal
• Viscose Blend
• Cotton-Spandex Blend
They hold their shape much better than cheap polyester.
4. Hoodies
Search:
• 400 GSM
• French Terry
• Cotton Fleece
• Heavyweight Hoodie
5. Chains
Search:
• 316L Stainless Steel
• Titanium Steel
• PVD Gold Plated
• Vacuum Plated
These are far more resistant to fading than ordinary fashion jewelry.
6. Earrings
Search:
• 925 Sterling Silver
• 316L Stainless Steel
• Hypoallergenic
• Moissanite (if you're buying stones)
7. Scarves
Search:
• Mulberry Silk
• Silk Blend
• Cashmere Blend
• Wool Blend
• Viscose
Avoid the shiny, thin polyester scarves if you're after a premium look.
8. Loafers
Search:
• Genuine Leather
• Cow Leather
• Full Grain Leather (rare but worth looking for)
• Rubber Outsole
9. Sneakers
Search:
• Rubber Outsole
• EVA Midsole
• Breathable Mesh
• Leather Upper
• Stitched Sole
Pictures lie a lot
The description usually tells the truth.
Here's how I shop:
1. Read the material composition before anything else.
2. Sort by Most Orders or Best Selling, not cheapest.
3. Only buy products with lots of reviews or pictures or even better when a Nigerian has purchased it before they always tell the truth.
4. Read the 1-star reviews first. They'll tell you what the seller won't.
5. Look at customer photos, not the product photos.
6. Check the weight of the product. Better quality clothing is often heavier.
7. Read the size chart. Don't assume your Nigerian size matches.
8. If the title has words like "luxury," "premium," or "designer" but the material is 100% polyester, not everything but still move on.
Your best friend isn't the product picture.
It's the material, the reviews, and the customer photos.
That's how you separate the gems from the junk.
I hope this help.
Things are to expensive for a country this poor.
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@Oludeewon On the existing visa holders part that you mentioned as not being affected.
Permit me to draw your attention to the clause,
“The entry into the United States of nationals of Nigeria as nonimmigrants on B-1, B-2, B-1/B-2 … is hereby suspended.”
Emphasis on “Entry”.
@therealmissjo You are a pathetic liar and manipulative maniac even way more than him. The difference is you don’t get prosecuted for your mis-information you silly manipulator.
There was no such part of him dressing as a lady, he was even qualified but wrong name you FOOL.
Client: Our Area’s light has gone from bad to non, we’ve been out of power for over a month.
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Client later: Thanks for coming thru, I know you would ask for pictures, but let me send a video.
JOG:😄😄
New Month Bliss Everyone!
May the new month be one of the best yet to come.
This 3.5KVA with two batteries would be ushering the new month for our web-developer client who just got his.
July & many months to come would definitely be different with uninterrupted power for him.
Fun Fact:
Two batteries connected as a 24 Volts with a 2.4KVA(or any-other KVA) would last longer than any two batteries joined together as parallels in any other setup.
Wherein client would be like, is it not same two batteries for each setup?
A higher voltage is the key.
This 2.4KVA has been the most installed recently.
Upon critical assessment, I came to realize it is the most affordable for what goes beyond the ordinary.
A web-developer who had his installed, couldn’t hide his joy 2 days with no power in his area & yet could use his gadgets.
It’s only your IP Address that changed, your body and your building is still here.
Don’t let these PHCN use you to meet their targets even when they don’t give you the minimum hours of power as indicated on your bill.
Let it be clear you can do without them, just like JOG😉!
Been away for a while. Meet a number of DMs. Installations were never halted.
Should you send a DM and never get a reply within an hour, please do not hesitate to use the whatsapp link in the bio.
Replies are quite faster over there!
Thank you. 💕
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Your take-home (net income) is not the only important item on your payslip. Also, try to understand the various statutory deductions and the rationale behind them. The word statutory means they are mandated by law.
National Housing Fund (NHF)
NHF is calculated by finding 2.5% of one’s basic salary. This is then remitted to the Nigerian Mortgage bank.
However, there has been a very recent development on the issue of NHF. In February of 2023, President Muhammed Buhari signed into law the Business Facilitation (Miscellaneous Provision) Act on February 14, 2023. The implications of this law mean that it is no longer mandatory for private sector employees to be a part of the fund, in fact, private sector employees can indeed opt-out from the fund. Also, the new Business Facilitation Act of 2023 now applies to individuals earning a minimum wage which is now NGN30,000 as against NGN3,000 in the initial act
Pension Fund
This is probably the most popular statutory deduction known to Nigerian employees.
The essence of the pension fund is to cater to the financial needs of Nigerian workers upon retirement. The employee is to contribute 8 % of their monthly emoluments while the employer contributes 10 %. Monthly emoluments vary from one contract of employment to the other but it should not be lower than the sum of Basic Salary, Housing Allowance, and Transport Allowance.
If an employee is out of employment for at least 4 months, such an employee can access up to 25% of their pension funds but this can only be accessed once. The rest of the fund can only be accessed when the employee reaches the age of retirement.
National Health Insurance Scheme (NHIS)
One of the least popular statutory deductions, the NHIS aims to provide easy and affordable health care for all Nigerians with employees being inclusive. The NHIS applies to every employer with at least 10 employees. An employer will contribute 10% of the monthly basic salary while the employee contributes 5%. The health care covers the contributor, spouse, and four biological children under 18 years of age. However, a contributor with more than six family members can register the additional persons as dependent(s).
However, whenever a contributor needs medical attention, the Health Maintenance Organisations (HMOs) pay from the pool of funds a large percentage of the cost of healthcare. NHIS also regulates private health Insurance operated by HMOs.
Personal Income Tax (PITA)
The personal income tax is another major statutory deduction. An important point to note is that your taxable income is your total gross less exemptions like Pension Fund, National Housing Fund, National Health Insurance, and Consolidated relief allowances.
Industrial Training Fund (ITF).
ITF is applicable to employers having a minimum of 5 employees and an annual turnover of 50 Million Naira. Companies in this category are to contribute 1% of annual payroll to the Industrial Training Fund. With appropriate documentation as evidence to show, an employer can get a refund of 50% of the amount contributed. ITF provides organizations the opportunity to train and re-train employees across a myriad of skills – both soft and hard.
Nigerian Social Insurance Trust Fund (NSITF)
This provides compensation for workers or their dependents in the event that death, injury, disease, or even a disability occurs in the course of the worker performing his official duties. Employers are to contribute 1% of the employee’s monthly payroll to the NSITF. What is worthy of note is that this deduction is not made by the employee, but it is made by the employer on behalf of the employee.
You’ve bought market in the hands of Nigerians 🙏🏾🙏🏾😂.
People that have not finished recovering from INEC. Trust issues at an all time high.
God be with you o GWR.
God speed
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