ositadima1:


It depends on what you want to do with the knowledge you seek.

We commit many logical blunders like the one you committed above. When there are a bunch of reasons for an event we tend to pick the one we like most and dispose d rest. There is a name for this fallacy but I can't remember it now.

Why more people should take these courses, most are even for free. Imagine learning quality materials from top Unis.

Beside looking for a job there are many other reasons why some may want to pursue an education, here a few:

A. Be self employed, start a company. Expecially in IT.

B. Sharpen or aquire skill they can use in their job

C. Understand the world better.

D. Brushup or update on one's skills

Correct.

I never studied finance or economics in the University. I was a graduate of pure science

emmanuelewumi:



Fixed income should look up in 2022, either through capital appreciation or better coupons and yield

This is the first time I am participating in bond. What will now happen to those of us that subscribe to afolabi units.How is allotment done in such situations of over subscription

Biafran4life:
This is the first time I am participating in bond. What will now happen to those of us that subscribe to afolabi units.How is allotment done in such situations of over subscription

You will get everything you asked for, except you invested over N100 million

Tobex4realTobex234:
This same thing happened to online degrees. Some old school Professors will say that online degrees are not verifiable until Covid happened and students had to lose over a year of their study time.

I am currently doing my Masters online in one of the top 50 schools in the world. It would have been impossible for me to fund this if I have to leave my job and relocate to the physical university.

Yet even in 2021, some deadbeats still argue that online learning is scam.

What matters is not if you're taking your program via Coursera or edX, these platforms don't need any accreditation, what matters is the actual university you're studying with. We go soon enter 2022, and some people are still stuck in 1950

Those who know what can be achieved with online education be it proper degrees or short courses will not argue with this.

Who are stuck in the stone age like Nigeria's laws on education and the near total stranglehold on education by the FG who rarely ever responds to seismic changes in reasonable time will

If you want to be a useful global citizen playing in an era of globalization then don't argue with the quoted OP.

If you want to be a local champion stay where you are.

emmanuelewumi:



You will get everything you asked for, except you invested over N100 million

ok thanks

emmanuelewumi:



You will get everything you asked for, except you invested over N100 million

ok, thanks

emmanuelewumi:
Even this 12.8% Sukuk, I used my fund and also got a loan at 22% to add to my fund and Invest in Sukuk 4

Some might think that was stupid. The loan is a 6 months loan, although I will be able to liquidate it by April 2022 because dividends and coupons are expected to be paid between February and March.

At 22% per annum, interest to be paid in 4 months is about 7.3% and I will earn 12.8% for the next 10 years

Merry xmas Oga emmanuelewum pls i need ur insight on this loan eligibility i av never bn eligible for a loan b4, pls put me tru on how to access short time loan. i av many investment security certificates to use as a colateral. currently i dont av any salary account as mostly demanded for by these banks b4 someone is eligible for loan.

LagosInter:


Oga, most online degress have no credence.

Again, not all courses can be taken online.

Lol. There are 2 categories of online learning.

1. Traditional universities that offer their programmes online.
2. Online universities that are entirely online.

If you stick with one, what do you mean by they have no credence?

So my University of Illinois Masters have no credence because I'm doing it online. Why una like sufferhead for that kontiri

No worry by end of 2022 when I go for my graduation, you go still they here they doubt online degrees.

emmanuelewumi:
Concerning the Sukuk, too much liquidity in the system over N800 billion raised within 5 days. Mind you MTN also raised over N100 billion few days before the Sukuk offer.

How come some businesses are complaining of funding or capital

With my experience with SME's in the past few months, we have a bigger people problem than a cash problem.

Akerewe:


Merry xmas Oga emmanuelewum pls i need ur insight on this loan eligibility i av never bn eligible for a loan b4, pls put me tru on how to access short time loan. i av many investment security certificates to use as a colateral. currently i dont av any salary account as mostly demanded for by these banks b4 someone is eligible for loan.

Same here as i don't have a salary account.



If you have mutual funds eg Money Market Fund, Fixed income Fund and Eurobond Fund with United Capital, you get 90% of your investment portfolio value as loans. The interest is 16%.


If you have shares, bonds, dollar fund, Fixed income Fund, Money Market Fund with FSDH Capital and FSDH Asset Management your can get 50% of your investment portfolio value as loans. The interest is 22%. Can be negotiated lower if you are asking for N50 million and more

If you have shares, bonds, mutual funds with Investment One, you can get loan from their subsidiary Orange One Finance at 26%.

These loans have flexible repayment plans usually quarterly, semi annual, but maximum duration is 12 months.


If you have Investments with Stanbic IBTC Asset Management, Stanbic IBTC Bank can give you overdraft facility that is up to 80% the value of your investment portfolio. The interest rate is 24%

Tobex4realTobex234:


With my experience with SME's in the past few months, we have a bigger people problem than a cash problem.

Investors and banks don't like stories.


Can you share some of these problems?

Lazyyouth4u:


The way your poor father sucked HIV invested prick just to send you to school until he died a very slow and painful death abi? And see how you ended up

why not join bobrisky and co to earn some living this period ?

emmanuelewumi:




Same here as i don't have a salary account.



If you have mutual funds eg Money Market Fund, Fixed income Fund and Eurobond Fund with United Capital, you get 90% of your investment portfolio value as loans. The interest is 16%.


If you have shares, bonds, dollar fund, Fixed income Fund, Money Market Fund with FSDH Capital and FSDH Asset Management your can get 50% of your investment portfolio value as loans. The interest is 22%. Can be negotiated lower if you are asking for N50 million and more

If you have shares, bonds, mutual funds with Investment One, you can get loan from their subsidiary Orange One Finance at 26%.

These loans have flexible repayment plans usually quarterly, semi annual, but maximum duration is 12 months.


If you have Investments with Stanbic IBTC Asset Management, Stanbic IBTC Bank can give you overdraft facility that is up to 80% the value of your investment portfolio. The interest rate is 24%

Thanks so much for ur swift responce Oga Emma out of all these, i deal only with stanbic ibt bank and i have bonds, sukuk with them but still yet i dont know why am not eligible anytime i try out their EZ cash to borrow an instant loan.

Akerewe:


Thanks so much for ur swift responce Oga Emma out of all these, i deal only with stanbic ibt bank and i have bonds, sukuk with them but still yet i dont know why am not eligible anytime i try out their EZ cash to borrow an instant loan.

Send a mail to the customer service and copy your relationship officer.

They accept FGN bonds as collateral

emmanuelewumi:



Send a mail to the customer service and copy your relationship officer.

They accept FGN bonds as collateral

Mail sent already, I will feed u back accordingly, thanks for the insight

i got a feedback from stanbic just now that i will be notify of my enrollment for loan eligibility as its bn updated per period.

Season Greetings
To every member of this forum and all clients of investment one in particular:
May the peace that comes with Christmas abide with you and family

.

emmanuelewumi:



Investors and banks don't like stories.


Can you share some of these problems?

Logistics business
Dishonesty. Riders and sales agents trying to patch up figures just to get additional funds into their own pockets.

Consulting business
Yes Sir attitude instead of creative thinking. People calling me boss, Sir and waiting for instructions instead of being creative and thinking outside of the box.

Gifting and packaging
The university students that I recruited to help with hamper business couldn't learn how to wrap gifts and hampers on YouTube.

Those are the 3 businesses I have had to pause for now.

emmanuelewumi:




Same here as i don't have a salary account.



If you have mutual funds eg Money Market Fund, Fixed income Fund and Eurobond Fund with United Capital, you get 90% of your investment portfolio value as loans. The interest is 16%.


If you have shares, bonds, dollar fund, Fixed income Fund, Money Market Fund with FSDH Capital and FSDH Asset Management your can get 50% of your investment portfolio value as loans. The interest is 22%. Can be negotiated lower if you are asking for N50 million and more

If you have shares, bonds, mutual funds with Investment One, you can get loan from their subsidiary Orange One Finance at 26%.

These loans have flexible repayment plans usually quarterly, semi annual, but maximum duration is 12 months.


If you have Investments with Stanbic IBTC Asset Management, Stanbic IBTC Bank can give you overdraft facility that is up to 80% the value of your investment portfolio. The interest rate is 24%

Wow. Looking at the interest rate one may collect these loans, what possible ways can one flip profit since other investments one may go into are likely to return almost same %

kalu61:
Wow. Looking at the interest rate one may collect these loans, what possible ways can one flip profit since other investments one may go into are likely to return almost same %

It depends on the velocity of the return. If you can do more than 15% in 6 months, you are good to go.


Always better if you have steady cash flow that can liquidate the loan and not necessarily waiting for profit from a business or capital appreciation from some Investments. If you make the profit or capital appreciation, all well and good but that should not be the primary or sole means of paying back the loans

Tobex4realTobex234:


Logistics business
Dishonesty. Riders and sales agents trying to patch up figures just to get additional funds into their own pockets.

Consulting business
Yes Sir attitude instead of creative thinking. People calling me boss, Sir and waiting for instructions instead of being creative and thinking outside of the box.

Gifting and packaging
The university students that I recruited to help with hamper business couldn't learn how to wrap gifts and hampers on YouTube.

Those are the 3 businesses I have had to pause for now.

It is a fact, business is not for everyone. But we still have people who are making money from logistics business, consulting services, gift and packaging business.

Very difficult to have a job and combine it with running a successful business, you have to choose the job or the business. You probability of doing both effectively is 5%.


You are better off combining your job with real estate and other Investments or assets that can give you a passive income cash flow

emmanuelewumi:



It depends on the velocity of the return. If you can more than 15% in 6 months, you are good to go.


Always better if you have steady cash flow that can liquidate the loan and not necessarily waiting for profit from a business or capital appreciation from some Investments. If you make the profit or capital appreciation, all well and good but that should not be the primary or sole means of paying back the loans

Eg getting a loan of N5 million to buy some stocks eg Zenith Bank at N12, Dangote cement at N180, United Capital at N4 In June 2020 but you know that your dividends, coupons, rents and salary in the next 12 months can comfortably liquidate the loan.


By June 2021, Zenith increased to N22 paid a dividend of N3.10 in 12 months at a dividend yield of 23% based on your purchase price and after giving room for withholding tax,

United Capital appreciated to over N6 and paid a dividend of 70k at a dividend yield of about 16%.

Dangote cement appreciated to N250 and paid a dividend of N16.

The capital appreciation will make the loan repayment faster, but because the Investor has cash flow he can easily liquidate the loan if the capital appreciation did not happen as expected.

emmanuelewumi:



It depends on the velocity of the return. If you can more than 15% in 6 months, you are good to go.


Always better if you have steady cash flow that can liquidate the loan and not necessarily waiting for profit from a business or capital appreciation from some Investments. If you make the profit or capital appreciation, all well and good but that should not be the primary or sole means of paying back the loans

15% in 6 months is about 30% a year. Just about 6% gain after such risk. Not bad sha

emmanuelewumi:




Eg getting a loan of N5 million to buy some stocks eg Zenith Bank at N12, Dangote cement at N180, United Capital at N4 In June 2020 but you know that your dividends, coupons, rents and salary in the next 12 months can comfortably liquidate the loan.


By June 2021, Zenith increased to N22 paid a dividend of N3.10 in 12 months at a dividend yield of 23% based on your purchase price and after giving room for withholding tax,

United Capital appreciated to over N6 and paid a dividend of 70k at a dividend yield of about 16%.

Dangote cement appreciated to N250 and paid a dividend of N16.

The capital appreciation will make the loan repayment faster, but because the Investor has cash flow he can easily liquidate the loan if the capital appreciation did not happen as expected.

Thanks for the example and very enticing to say the least.

Going by the stocks you listed, do you think they will appreciate any further and to what price range. Just like 2022 projection

kalu61:
Thanks for the example and very enticing to say the least.

Going by the stocks you listed, do you think they will appreciate any further and to what price range. Just like 2022 projection

Invest for cashflow and you will be okay.


Capital appreciation is secondary, icing on the cake and it is not certain

kalu61:
15% in 6 months is about 30% a year. Just about 6% gain after such risk. Not bad sha

Nothing is impossible.

Vitafoam did 100% in 6 months.


15% gain in 6 months, your interest on a 22% loan will be 11% in 6 months

Lazyyouth4u:


When an illiterate doesn’t have anything to use against a more intelligent person, his default is to call that person ashi which his mother was before she died a very painful death of HIV….

TV/Movies / Re: BBNaija 2020 Live Updates Thread by Lazyyouth4u: 7:39am On Aug 27, 2020
So make I enter bus and join that bloody traffic, sweating inside hot bus only to receive light refreshments? undecided . Una no get better heavy refreshments? And Thanks for coming envelope? undecided. If una get better, I go organize bus full of lazy youths to storm the voting centre and vote for the whole day. Two buses

TV/Movies / Re: BBNaija 2020 Live Updates Thread by Lazyyouth4u: 8:40pm On Aug 27, 2020
Alaye, I organized enough lazy youths to come vote for voting center with una. I no come hear from you again undecided. Abi na because of the heavy refreshments wey una no.

Munamoqel:
TV/Movies / Re: BBNaija 2020 Live Updates Thread by Lazyyouth4u: 7:39am On Aug 27, 2020
So make I enter bus and join that bloody traffic, sweating inside hot bus only to receive light refreshments? undecided . Una no get better heavy refreshments? And Thanks for coming envelope? undecided. If una get better, I go organize bus full of lazy youths to storm the voting centre and vote for the whole day. Two buses

See level of hunger.way they this girl body,lwkd

Insulting Uber drivers but her hustle is how to get jobless boys in buses to BBN voting centre for a fee meanwhile staying in getto called IGBORO.