“1651 emails in this sort that connect Clinton to al-Qaida and ISIS in both Libya and Syria, demonstrating Clinton supplied weapons to ISIS via Syria.” #Benghazi #ClintonFoundation

Let me talk to those who are planning to buy cars these year; Buying a car is good. Very essential for making life easier. However, a car isn’t cheap, the cheapest car is around 450USD in Kenya. Today owning a car may seem very easy as compared to the 70s, THREAD 1/3

Today you can buy a car either in cash 💰, by bank finance, hire purchase and through trade in. But my interest on this post is on bank financing and Hire purchase. Bank finance is where the bank buys for you a car and you pay the bank for a period of time.

Hire purchase terms of purchase is where by you identify a car in a dealership, negotiate for its final price, pay an agreed deposit upfront then clear balance in defined period of time I.e in 6/12/18/20/24 months. So HP =Deposit + total Monthly Installments.

Whenever a bank offers to buy you a car, there is always a 99.9% chance that they will retain the logbook[A substitute for a collateral in lending] A logbook is the only instrument of ownership for any car in Kenya. So the bank will issue you with your logbook once you finish,

Finish paying for the car. The only problem I have with bank financing is the possibility of the buyer losing the car and servicing the loan. It has happened and it does happen. The bank repossesses the car and they auction it. You shall have lost two important things; the money

The Next 20 Years

Just look around you in Nigeria, for example. 20 years ago, the ATM machine was a novelty. No bank issued debit cards- maybe just the foreign ones. There were no banking apps. You couldn't transfer funds the way we do now.

It took 7 days for your 'upcountry' cheques to clear- meaning that if someone pays you a cheque in Sokoto and you pay it in in Ibadan, you had to wait for 7 days to receive value. Later, it became 3 days.

I recall as a young banker, I used to go to the CBN Clearing House with a box that was locked by my supervisor and which could only be opened by the CBN Clearing Supervisor. I carried that box like it was my life.

I had cheques of other banks and a very huge calculator we called casting machine inside that 'portmanteau'.

Around this period 20 years ago, there was an influx of new generation banks that changed the landscape. Now, see how the banks have changed in 20 years. In just 20 years, the banking sector in Nigeria is the one of the most sophisticated in Africa. So much progress has been made

Nigeria's burgeoning defence industry is zooming ahead.

DICON has secured a contract to produce 152 MRAPs for the army. As well as six million rounds of small arms ammunition.

EZEGWU MRAP

DICONs R&D has been up and going. The army plans to test several technology demonstrators in the field. If they pass the field testing DICON will go into mass production of the equipments.

Anti drone jamming system made by DEMFAS aerospace systems Nigeria....Made in Nigeria Proudly Nigeria.
The mobile gun is an ideal anti-drone rifle that can be used when UAVs and drones are visually detected

The drone can be tracked even at long distances through a special binocular. When the UAV is located, the rifle and antennas with horizontal and vertical polarization are pointed towards the approaching drone and immediately block it....zap !! No this is not science fiction

PROFOCE ARA MRAP 2

Profoce Ara ''Thunder'' Mine Resistant Ambush Protected Vehicle.

(1/11) This term, I’ve taught a seminar @IslamicSt_UniFR called “Little Ice Ages and Mighty Microbes. What Environmental History Can Tell Us about the #MiddleEast”. These are some of the things that I’ve learned. A thread. #twitterstorians #environmentalhistory

(2/11) The Arab invasion of #Iran led to a cotton boom – until the 11th century. Then a “big chill” made agriculture detract. Leading Sunni scholars moved elsewhere &bimportant madrasas closed. This helped to eventually convert Iran into Shi’i-majority lands in the 16th century.

(3/11) The “golden age” of the Ottoman Empire saw the conquest of Egypt. With grain (incl. rats/fleas) now being shipped in huge quantities from Alexandria to #Istanbul, the capital became a constant “plague hub” (which, in turn, dramatically increased Ottoman medical knowledge).

(4/11) At the same time, several #Ottoman provinces were already operating at the ecological limit while still being forced to provide Istanbul with animals. When the Little Ice Age hit these semiarid areas in the late 16th century, significant rebellions & crises ensued.

(5/11) Not only humans suffered but animals, too. Epizootics killed livestock in 18th century #Egypt, which made peasants become more dependent on large landholders. Consequently, “changes in nature of rural labor degraded the lives of both beast and man.”