₦airaland Forum

BigCabal:
Every week, Zikoko seeks to understand how people move the Naira in and out of their lives. Some stories will be struggle-ish, others will be bougie. All the time, it’ll be revealing.

This 23-year-old has an investment banking job and a couple of side hustles, but that’s not the most interesting thing about him. It’s how he makes much more money from his side businesses than he does at his 9-5, and how leveraging his privilege and connections got him there.

What’s your oldest memory of money?

I can’t think of a specific memory but growing up, my cousins and I danced for my uncles and aunts at weddings and other family events, and they sprayed us money. I liked balloons, and I understood that I needed money to buy balloons. I had to dance to get the money. It was that simple.

Haha. That makes sense. Can you tell me what growing up was like, financially?

My dad works in financial services and is a senior employee at a company he has worked at for decades. My mum did and still does a lot of business. I grew up comfortable although I didn’t understand how well the family was doing until I was older. A part of it was because I was too young to understand how money works. Also, I was exposed to a lot of kids who came from wealthier families, and that skewed my perception of money. At some point, I may have developed a bit of an inferiority complex.

For context: I went to a private secondary school and the kids there could spend $500 on an item when they go on vacation without blinking. There was no way my parents would sign off on such purchases.

However, once I started to get a wider perspective, I understood that my family was indeed doing well.

When did you come to this realisation?

That would be around 2014. I was 15 and about to leave Nigeria for uni. My dad had planned for me and my sister’s education and had a university fund for us. I had to go for my A-Levels first and I decided on a private college in Canada. The tuition was C$50k and my dad told me he couldn’t afford it at the time. Subsequently, I got a partial scholarship at the college and my dad still paid about C$30k. That was a lot of money, but he made it happen. Later that year, I moved to Canada.

Lit.

At first, I was living on a C$100 allowance every month, but my dad always ended up sending more money before the month ended. When he realised that it was more expensive sending smaller sums of money to me, he started sending C$2k at a time. Now, it wasn’t a monthly thing. The money was supposed to last me for a few months before I could request more. On average, C$2k lasted me for three to four months.

I finished my A-Levels in March 2016 and got into a university in the US to study Economics. I moved there in May 2016

How did it go in the US?

Nigeria was in a recession in 2016, so I knew that my dad must have been stressed having huge expenses in dollars. He was sending $200 every month, and I was determined to make do with it.

In my first year, I lived in school housing and was on a meal plan which had been paid for. I wasn’t saving money or working, so the $200 was everything I lived on. I finally picked up a job at a call centre on campus in my second year but I wasn’t completely committed to it. Thankfully, the minimum wage was $14 in the state I lived in. On average, I worked 20 hours in a month, which brought in an extra $200-$300. At that point, I’d say that at least half of my income went into feeding. I managed to save some $100 a month if I didn’t party a lot in the month, but those were far and between. I partied a lot when I was in uni.

Haha.

2018 was when I became intentional about making money.

How?

I saw what was happening in the financial market in Nigeria, and I was like “Wait, this could be a gold mine.” Here’s what happened: the CBN decided that they were going to start a “promo” and would be giving between 13% and 15% returns on short-term government securities. I thought that was a sweet deal and went in.

With ₦100k, I started buying and trading treasury bills. The returns weren’t a lot but I started to understand how money compounds over time. I did the math and the ₦100k would compound into millions of naira in 30 years, and I wouldn’t even have turned 50 years by that time.

However, in the short term. I realised that to scale, I needed to increase my capital. The way I saw it, it could happen in two ways: I could work more hours to earn more money or I could convince people to let me manage their money for them and charge them a small commission. I went with the second option.

Mad. Tell me how it went.

I started with my dad. I pitched the idea to him and managed to get ₦1m from him. I bought a few equities and invested most of the money in treasury bills, and it did very well. I made about ₦200k in fees I charged him.

I managed to convince a couple of other people in my family to help me invest for them and I got small sums of money here and there. I put whatever money I made from them into my portfolio and by the end of the year, I had about ₦500k in it.

That’s interesting.

I had been coming to Nigeria every summer since my first year in uni to intern at investment companies, so I was plugged into the climate. This came in handy in 2020 when COVID hit. Prices of assets all around the world dropped like crazy. I reacted quickly and sold as many treasury bills as I could and started putting money in the Nigerian stock market, which was also pretty risky at that point. But when I was returning to Nigeria in August 2020, my investment portfolio was worth about ₦2m and I had another ₦250k in cash.

You want to know why I returned to Nigeria, don’t you?

Now that you mention it, please.

I’d been thinking about it since my second year at uni. For the most part, I got my summer internships in Nigeria through my dad’s connection. My privilege became clearer and I thought it wouldn’t make sense not to take advantage of it.

Also, something happened when I was in the US that solidified this decision.

What was it?

I tried to get into an internship program at a big investment bank. During one of the interview stages, I met a girl I knew from school and her dad was one of the managing directors at the bank. We were in the interview room when one of the analysts came and was like “This is so and so daughter.” They took her from the interview room and gave her a tour of the facility. It was very clear that she was going to get the internship. I felt like I had this in Nigeria, so it made perfect sense to return and explore the opportunities I have here.

That makes sense.

I knew getting a job here wouldn’t be a problem. I had an understanding with one of the investment banks I had worked with to return to work for them when I graduated. I reached out to them, took a few tests, and that was sorted. In October 2020, I resumed work. My salary was ₦100k.

That didn’t make all the difference though. What I did between August and October did.

What did you do?

A couple of my old friends had returned to Nigeria before I did, so they had their feet on the ground already. When I got back, one of the first things I did was reconnect with them. I realised how much money they were spending when we went out.

We could go to the club and by the end of the night, they would have spent ₦1m on drinks. They split the bill but each person chipped in at least ₦150k. For the first few times we went out together, they didn’t ask me to chip in but I knew it was only a matter of time. The first time I dropped ₦50k, I knew my cash savings couldn’t possibly sustain that kind of lifestyle. I figured that they must be making a lot of money if they could afford to spend like that, which was interesting because they weren’t working 9-5 jobs — they had businesses.

What kind of businesses?

They did everything they thought could work. Eventually, I spoke to a couple of my friends and asked about businesses I could do with little capital. They gave me a couple of ideas but the most viable one was pushing large volumes of commodities. In my case, it was finding a rice supplier who needed to sell their trucks of rice and a buyer who was willing to buy.

A truck takes 600 bags of rice. Now, if the supplier sells a bag for ₦24500, I could add my markup, sell a bag for ₦25,500 and make a profit of ₦600k. The good part was that I didn’t need capital to start — I was just a middleman. The hard part was finding a buyer, but I committed to it.

The easiest way to find the right buyer was by leveraging my contacts. I asked everyone in my family and someone linked me to another person who knew the right person to call. Ultimately, it was about my connections. Between August and December 2020, I was able to sell three trucks of rice, and I made about ₦1.8m from these deals.

Sweet!

This was also the period my perspective started to shift away from my job. It would have taken me 18 months to make ₦1.8m at my day job. Naturally, I started looking out for more business opportunities. The next one happened in January 2021.

I’m listening.

In December 2020, I met someone looking to sell two plots of land in an upscale neighbourhood on Lagos Island valued at ₦350m. I told them that for a commission, I would ask around and see if I could find a buyer, and they agreed to it. I was pretty confident about it because a few of my friends’ families are into real estate development and are constantly on the lookout for properties. Within a week, we found a buyer. Less than a month later, the deal closed and they bought the land for about ₦340m. I got the biggest lumpsum amount ever in commissions.

How much?

₦20m. It was a complete dream. I mean, it was the kind of thing I envisioned would happen for me in Nigeria — being able to use my contacts for opportunities like that but I had no idea how it would materialise. Then this happened.

I was just looking at my phone over and over again, trying to take it all in. Once I got over the excitement, I knew I wanted to keep grinding. Now that I had some cash, I could afford to join a few of my friends in one of the businesses they were so big on — importing cars.

These moves. Inject it!

I wanted to see how it would work out, so I dropped ₦1m the first time when the total cost of bringing the car in was ₦4m. My cut on that was ₦100k when the car arrived and we found a buyer for it. Afterwards, I started increasing the amount of money I had in the business.

What types of cars were you bringing in?

At first, it was the old 2008/2009 Lexus RX and Toyota cars. We have a car dealer in the US who finds these cars at auctions and ships them to us. On average, it cost ₦3m or ₦4m to bring one of such cars in and we typically added a 30% markup, but it’s not set in stone.

Later, we noticed an uptick in demand for higher-end cars, so our focus shifted to the Highlanders, the newer Lexus RX, and Mercedes C-300 cars. We could make a profit of about ₦2m each on these cars. It’s only been a couple of months but we are growing and expanding the business.

I put ₦18m in the last batch of cars we imported from the US. They should arrive soon, and I expect to make about ₦4m in profit, which I think is very fair. Fingers crossed on their arrival.

Fingers crossed. I’m curious about what your earnings look like now.

Well, I still make ₦100k from my day job. But I make anything from ₦3m-₦4m every quarter from importing cars. Usually, I re-invest whatever I make back into the business and only take money out once every quarter.

What about your investment portfolios, how much are they worth now?

Most of my money is tied up in physical businesses, mostly car importation. The total value should be about ₦30m now. My other major investment is primarily in the Nigerian stock market and my brokerage account has about ₦10m in it. Because my portfolio is liquid and I can take money out any time, I don’t feel the need to save a lot of money in Naira. I have less than ₦500k in cash at the moment.

I’m very focused on opportunity cost and returns. If I think that I can make more money from my portfolio in the period it would take to ship and sell a car, I will pull money out of the business and put it into the portfolio.

Interesting. Let’s break down your monthly running costs, please.

How much do you think you should be earning now?

At least ₦600k at my 9-5. I’m underpaid at my day job, and that’s mostly because I haven’t done my NYSC yet. I love my job but I’m starting to value my time more than I value the work and the experience. The original plan was to work in the capital market for five years, then branch out on my own to start a business in fund management. Now, I’m not even interested in managing money for other people. I’m all about generating money from multiple businesses and pumping it into my investment portfolio. That’s always been the end game.

Nice. How have all your experiences shaped your perspective about money?

Working in the capital market where my job is to bring people who need money and the people who have it together has shown me that the best way to make money is to have money. It gets exponentially easier to grow wealth when you have some of it.

Also, the people around me have always been wealthy, and the more I see the way they spend and make money, the more confident I am to take risks.

Do you think there’s a part of your finances you could be better at?

Ah, yes. My investments are not as diversified as I’d like them to be. Most of my money is currently tied up in the car importation business. If something goes wrong — like if a ship sinks — it will wipe out most of my net worth.

I could be better with budgeting as well. Sometimes I need to make a purchase but can’t because I don’t have liquid cash around. For the most part, this wouldn’t happen if I’d budgeted better.

Speaking of purchases, is there anything you want right now but can’t afford?

It’s not a pressing need but I’d like a new car. I only started thinking about it when our focus shifted to higher-end cars. A Mercedes GLE-63 will be great but I need around ₦20m for it. As much as I want it, I can’t spend that much money on a car right now. My net worth has to be at least 10x what it is now before I consider it.

What about a purchase that significantly improved the quality of your life?

I paid for a one-year subscription to an online service that provides data in financial markets across Africa. It cost only $300, which was such a good deal and since I paid for it, it’s been way easier to do research. The quality of my life has improved because of it.

On a scale of 1-10, how would you rate your financial happiness?

7. I’m not doing badly for a 23-year-old, and I acknowledge that I had a lot of help to get here. I know the role my privilege has played, and I’m proud of the ways I have leveraged it. My salary from my day job is only enough for my baseline expenses, and I don’t know where I’d be if I didn’t have people to help me get into these side businesses. I’m definitely in a better place than I was a year ago. However, there’s a lot of things I want but can’t afford yet but I’m taking it one day at a time.

Source: https://www.zikoko.com/money/naira-life/privileged-nairalife-of-the-investment-banker-with-multiple-side-businesses/

socialmediaman:
While many older generation parents did this and it worked for them, for this generation, if the age difference must be that much, It makes more sense for a 35 year old to date a 23 year old. Same age difference (12 years) but she is more mature, at least a university graduate or something

Xenry:
Ask Regina Daniels and Ned.

---

Modified:
30 - 18 is 12.
Regina Daniels is 20, while Ned is 61.
61 - 20 is 41.
So, it is right when money is involved.

---

Hustle tight, bro. With money, everything you do will look right in the eyes of men.

Holiness2100:
https://www.thesun.co.uk/news/15888078/formula-1-spa-belgium-boss-dead-murder-suicide/amp/

Legendrysailor:
Cristiano Ronaldo has topped Instagram's rich list as the celebrity thought to be able to charge more than anyone else for a sponsored post.

The Juventus forward can charge advertisers $1.6m (£1.2m) per post on his account, according to social media marketing firm Hopper HQ.

Former Real Madrid star Ronaldo knocked wrestler-turned-actor Dwayne "The Rock" Johnson off the top spot.

It is the first time Ronaldo has topped the list, which started in 2017.

The five-time Ballon d'Or winner boasts 308 million Instagram followers.

Johnson, who stars in the box office juggernaut Fast and Furious film franchise, has 250 million followers and can command just over $1.52m (£1m) per post, while pop star Ariana Grande ($1.51m) places third on the list.

Lionel Messi, who this week became a free agent after his Barcelona contract expired, is the only other sportsperson on the list's top 10.

The Argentine, who has 224 million followers, can charge up to $1.1m (£798,011) per post, placing him seventh

Paris St-Germain and Brazil forward Neymar ($824,000) is the next highest-placed athlete on the list in 16th.

UK-based company Hopper HQ, which runs social media accounts on behalf of companies and individuals, published its first Instagram rich list in 2017.

It analysed internal and publicly available data to reveal a list of the highest-paid celebrities and influencers on Instagram. The data considers factors such as average engagement, how often they post, industry variables and number of followers.

Since last year the estimated cost for an Instagram post by Ronaldo, who made headlines in June when he removed two bottes of Coca-Cola at a press conference before Portugal's Euro 2020 opener against Hungary, has increased by 54%.

There are six women in the top 10 although this is the first year in which a Kardashian or Jenner has not featured in the top three.

"As Covid-19 continues to impact all our lives, it appears that Instagram is the one of the few places not negatively impacted by the pandemic, and with people using the app more than ever before, some could say it was inevitable earnings would peak this year," said Mike Bandar, co-founder of Hopper HQ.

"It was great to see Cristiano Ronaldo take the number one spot this year after steadily ranking within the top five throughout the list's history.

"With the Euros this year and a few controversial marketing moves over the last couple of weeks, the football royalty's presence has skyrocketed."

The 10 celebrities who can charge the most per Instagram post
1. Cristiano Ronaldo, 308m followers - just over $1.6m per post

2. Dwayne "The Rock" Johnson, 250m followers, $1.52m per post

3. Ariana Grande, 247 million followers, $1.51m per post

4. Kylie Jenner, 244 million followers, $1.49m per post

5. Selena Gomez, 241 million followers - $1.46m per post

6. Kim Kardashian, 232 million followers - $1.41m per post

7. Lionel Messi, 224 million followers - $1.16m per post

8. Beyonce Knowles, 189 million followers - $1.14m per post

9. Justin Bieber, 180 million followers - $1.11m per post

10. Kendall Jenner, 172 million followers -$1.05m per post

Source: BBC football

fergie0o1:
South China Morning Post

pchukwudi:
On what basis are you postig this nonsense here?

What do you take Nairaland for? A village square?

How old are you by the way?

Was your husband aware that you were going to post this crap here?

Have you ever taken any time to study how Nairaland works before bringing your family matter here for discusion (with specific mentions)?

Do you realize that this is an archive of some sort with a GLOBAL audience?

Are you even aware that this is internet?

What exactly were you thinking when you created this thread?

Don't you have a family or friends to gossip your issues or discuss your concerns with?

Do you realize how embarrassing this thread is as per the context of the ongoings on this platform?

Please I beg you to delete this post right now before it gets archived.

So so onye nzuzu na asa akwa imeya na etiti ahia.

Sagamite:
Obviously the Harvard MBA if the no name MBA did not list some great outstanding past experience achievement in his CV.




I guess you probably would learn from the best professors. It is what I would term as a "premium" value proposition. But before I spend my money, I always look at the beneficial difference in the premium and ordinary, then I look at the cost of acquiring this beneficial difference, the realistic returns when it becomes an asset and the alternative opportunity cost.

That is why you would not see me buying a fantastic jacket from Harrods for £2000, when one of similar design but ordinary quality would cost £150 in Next. If I want premium quality, I would rather go to John Lewis and buy theirs for £350. Obviously the Harrods one would be better than John Lewis one, but the difference in quality would not be worth the £1650 difference (which a large part is the cost of the Harrods brand). And the John Lewis one would still be an asset that can generate almost similar impression with the Harrods one, if not then I would look for something else to achieve the effects goal at a fraction of the cost.

$100,000 to learn from anybody in my opinion is a rip-off, not even if it is learning from Wise King Solomon. I would consider it if someone else (e.g. my company) is paying.

Very few jobs would offer you returns on your investment, and those jobs that do are normally stressful and would get their pound of flesh.

If I had $100,000 to flung. I would rather start-up a business (the alternative opportunity cost) rather than do an MBA and then still have to circulate CVs and jump in a suit interviewing around for jobs looking for someone to employ me.





If one is so keen to learn such, buy their books. It would cost you less than $70, not one tenth of a million. You will learn more in it than you would learn in the 1hr they speakers would afford you and 100 other MBA candidates at any seminar.





Good ambitions, but take it from someone with similar bulge bracket background it is not the be all and end all. Your dream should be to set-up your own stuff. Working at GS might make you money but for most it does not bring happiness as it is cut-throat, back-stabbing and life-sapping.

Less than 30% of those that go to top MBAs would end up in GS and its like, less than 10% of these would excel in the way you hear in the sensational stories or profiles you read. So you are playing a high risk with your $100K, although it gives you an advantage but in the industry now the power of MBA is waning.

But as I said, it is a good ambition but a better one is to find a product or service people need and use your money to develop it and sell it to people. You get all the rewards and you are your own boss, no need for anybody to give aggressive appraisals despite your MBA. And you can keep a relationship with friends and family.

$100K investment, if spent right, can provide you with a business that turnsover $2m within 3 years, and the profit on that (and capital gains) would exceed virtually all jobs.

The whole alumni network thing is usually just a business school sales pitch to get their hands on your $100K.

SemuhleB:
The four octave singer was born in Oakland, CA, but raised in San Francisco (the oldest of eight children). She moved to Los Angeles to live with cousins when she was in her late teens. The move came after a disastrous marriage; she eloped at 14 but the marriage ended on the wedding night without consummation. Her father was a carousing railroad chef only home long enough to in-pregnant his wife, a devout Seventh-Day Adventist.

An impromptu singalong in a Los Angeles club in the late '40s was Bryant's first public performance. From there, she picked up other gigs and built a strong reputation.

Her act was outrageously sexy; she wore provocative, tight, backless, cleavage-revealing mermaid dresses that left little to imagine and they were so tight, she had to be carried off-stage. Supposedly, Bryant twisted so much she lost four pounds a performance.



Two of her most well-known standards, "Love for Sale" and "Drunk with Love", were banned from radio play for their provocative lyrics. Beyonce's song Drunk in love was inspired by Drunk with Love

More pics of her below

SemuhleB:
Joyce Bryant (born October 14, 1928) is an African-American singer and actress who achieved fame in the late 1940s and early 1950s as a theater and nightclub performer. With her signature silver hair and tight mermaid dresses, she became an early African-American sex symbol, garnering such nicknames as "The Bronze Blond Bombshell", "the black Marilyn Monroe", "The Belter", and "The Voice You'll Always Remember".

Current pic below of Joyce's at 87 years old(black don't crack)

dre11:
Tinubu, Aides Angry With Buhari, Presidency For Releasing Pictures Showing Ex-Lagos Governor With Walking Stick



http://saharareporters.com/2021/08/13/exclusive-tinubu-aides-angry-buhari-presidency-releasing-pictures-showing-ex-lagos

RZArecta:
Who asked that Chicago underground kingpin to take the photos ? It seems Tinubu thinks he's more important than the president. Everyday, his urchins here remind us that Tinubu as a human being is bound to get sick so why are they angry that his sickness was revealed ? They're overstepping their boundaries and I'll not condone any insult against the president

LivityTree:
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Goodluck.

TRUTHTOPOWER:
Scientific and Historical records prove conclusively that: No African race is inferior to any race on earth be it white or black in terms of intelligence. If anything records only suggest that races are integrated to civilization at various stages. That social factors may affect pursuits of modern knowledge one way or the other.

That it is pure mediocrity and sheer ignorance human nature to think that any race possess any special gene for intellect above another. The difference has always been Motives for Achievement. Why the right motives for achievement leads to celebration and gradual growth the wrong motives for achievement leads to condemnation and rabid growth."we-are-the-best-syndrome" if the claim to being the best doctor comes to your mind then you are not a fit and proper person to lead a hospital management team. Society needs humble people to simple.

Here is a list of African achievers. (despite the generational and phenomenal impact of these people you will never see their tribes minions claiming superiority above others. what is more those who claim superiority do not even have the depth of impact others have made).

This is a list of African scientists, inventors, and scholars who were born or active on the African continent.


North African
Imhotep fl. 2667–2611 BC, an Egyptian polymath

Euclid , a Greek mathematician active in Hellenistic Alexandria during the reign of Ptolemy I (323–283 BC).

Muhammad Abduh (1849–1905), an Egyptian jurist, religious scholar and liberal reformer, regarded as the founder of Islamic Modernism.
Abū Kāmil Shujā ibn Aslam

Sameera Moussa (1917–1952), an Egyptian nuclear scientist.
Al-Jahiz (781 – 868/869), an Afro-Arab scholar of East African descent.

Arius (AD ca. 250 or 256 – 336), a Christian priest from Alexandria, Egypt.

Saint Cyprian (died September 14, 258), was bishop of Carthage and early Christian writer.

Abbas Ibn Firnas
Nur ad-Din al-Betrugi
Tertullian (ca. 160 – ca. 220 A.D.), a Christian Berber author and writer of Christian Latin literature.

Augustine of Hippo (354 – 430), a Bishop of Hippo Regius and Romanized Berber philosopher and theologian.

Al-Idrisi (1100–1165 or 1166), an Andalusian geographer, cartographer, Egyptologist and traveller.

Al-Suyuti (c. 1445–1505 AD), an Egyptian writer, religious scholar, juristic expert and teacher.

Muhammad al-Maghili (died c. 1505), an Islamic scholar from Tlemcen in modern-day Algeria.

Ahmed Zewail (1946-2016), Egyptian-American scientist, awarded the 1999 Nobel Prize in Chemistry.

Rachid Yazami (1953-), French Moroccan scientist best known for his research on lithium ion batteries.




Sub-Saharan African

Cameroonian
Ibrahim Njoya, a Cameroonian King credited with developing a semi-syllabic Bamum script which evolved from the rudimentary pictographic script to a more advanced logo graphic script, which he later refined to the famous semi-syllabic script known to the world today.

Eritrean
Haile Debas (b. 1937), an Eritrean who achieved national recognition as a gastrointestinal investigator and made original contributions to the physiology, biochemistry, and pathophysiology of gastrointestinal peptide hormones.

Ethiopian
Berhane Asfaw a (b. 1954), Ethiopian paleontologist.

Giday WoldeGabriel a (b. 1955), Ethiopian geologist.

Gebisa Ejeta (b. 1950), Ethiopian plant breeder and geneticist who won the 2009 World Food Prize .

Sossina M. Haile (b. 1966), professor of Materials Science and Chemical Engineering at the California Institute of Technology .

Mulugeta Bekele (b. 1947), Professor of Physics at
Addis Ababa University.

Kitaw Ejigu (1948-2006), Ethiopian engineer and Chief of Spacecraft and Satellite Systems engineer at
NASA.

Aklilu Lemma (1934-1997), Ethiopian physician and was co-awarded the 1989 Right Livelihood Award .

Dessalegn Rahmato (b. 1940), Ethiopia sociologist and was awarded the 1998 Prince Claus Award .

Legesse Wolde-Yohannes , Ethiopian horticultural scientist and was co-awarded the 1989 Right Livelihood Award .

Melaku Worede (b. 1936), Ethiopian horticultural scientist and was co-awarded the 1989 Right Livelihood Award .

Tewolde Berhan Gebre Egziabher (b. 1940), Ethiopian environmental scientist and the General Manager of the Environmental Protection Authority of Ethiopia. He was awarded the 2000 Right Livelihood Award and 2006 Champions of the Earth.



Kenyan

Wangari Maathai , (b. 1940), a Kenyan environmental and political activist who won the 2004 Nobel Peace Prize.

Thomas R. Odhiambo (1931–2003), a Kenyan entomologist and environmental activist.

Henry Odera Oruka , (b.1944), Kenyan philosopher known for Sage philosophy project started in the 1970s.


Malian

Mohammed Bagayogo (1523–1593), an eminent scholar from Timbuktu, Mali.
Modibo Mohammed Al Kaburi a scholar, Cadi and Jurist, and university professor, from Timbuktu, Mali.

Cheick Modibo Diarra, (b. 1952), Malian-born aerospace engineer who contributed to several NASA missions such as Mars Path Finder, the Galileo spacecraft, and the Mars Observer.

Ahmad Baba (1556–1627), a medieval West African writer, scholar, and political provocateur.



Nigerian

Wole Soyinka, is a Nigerian playwright and poet. He was awarded the 1986 Nobel Prize in Literature, the first African to be honored in that category. The Wole Soyinka Lecture Annual Lecture Series was founded in 1994 and is dedicated to honouring one of Nigeria and Africa's most outstanding and enduring literary icons.

Chinua Achebe , a Nigerian novelist, poet, professor and critic. Author of highest selling book in modern African literature, Things Fall Apart. He is often referred to as the father of modern African literature.

John Ogbu (1939–2003), a Nigerian-American anthropologist and university professor.

Seyi Oyesola , a Nigerian doctor, who co-invented hospital in a box.

Bisi Ezerioha, (b. 1972), a Nigerian engineer, racer and former pharmaceutical executive who has built some of the world's most powerful Honda and Porsche engines.




Senegalese

Cheikh Anta Diop (1923–1986), a Senegalese historian, anthropologist, physicist and politician.

South African
Thebe Medupe (b. 1973), a South African astrophysicist and founding director of Astronomy Africa.

Allan McLeod Cormack (1924–1998), a South African-born American physicist, who won the 1979 Nobel Prize in Physiology or Medicine.

Aaron Klug , (b. 1926), a Lithuanian-born British chemist and biophysicist, who won the 1982 Nobel Prize in Chemistry. He moved to South Africa at the age of two and studied at the University of Witwatersrand and the University of Cape Town.

Sydney Brenner (b. 1927), a South African biologist, who won the 2002 Nobel prize in Physiology or Medicine.

Christiaan Barnard (1922–2001), a South African cardiac surgeon, who performed the world's first successful human-to-human heart transplant.

Mark Shuttleworth (b. 1973), a South African entrepreneur.

Tshilidzi Marwala (b. 1971), a South African scientist and inventor.
Himla Soodyall , a South African human geneticist, known for genetic research into the peoples of sub-Saharan Africa.

Neil Toruk , a South African astrophysicist and director of Perimeter Institute for Theoretical Physics .

Trefor Jenkins , a human geneticist from South Africa, noted for his work on DNA.

Andries Van Aarde professor of theology at University of Pretoria.

Azwinndini Muronga professor of physics and dean of science.



Sudanese

Mo Ibrahim , (b. 1946), a Sudanese-born British mobile communications entrepreneur.



Tanzanian

Felix A. Chami , an archaeologist and university professor from Tanzania.


Ugandan

Venansius Baryamureeba , a Ugandan professor of Computer Science and educationist.

Kwatsi Alibaruho , a Ugandan-American Flight Director at NASA.
https://en.m.wikipedia.org/wiki/List_of_African_scientists,_inventors,_and_scholars




African Nobel Prize Winners


Those awarded with the Nobel Prize in Literature were:

Wole Soyinka of Nigeria, Derek Walcott of St. Lucia and the United States, and Toni Morrison of the United States.

Sir William Arthur Lewis is the only black to have received a Nobel Prize in Economics.




Hausa/Fulani bow to no one in Intellect

Jibril Muhammad Aminu (born August 1939) is a professor of cardiology. [1] He was Nigerian Ambassador to the USA (1999–2003) and was elected Senator for Adamawa Central constituency of Adamawa State , Nigeria, taking office on 29 May 2003. He is a member of the People's Democratic Party (PDP). [2]
Birth and academic career
Aminu was born in August 1939. Studying medicine, he obtained an M.B.B.S from the University of Ibadan in 1965, and a PhD in Medicine from the Royal Post-Graduate Medical School, London in 1972. He was appointed a Fellow of the Nigerian Academy of Science in 1972, a Fellow of the Royal College of Physicians, London in 1980 and a Fellow of the West African College of Physicians also in 1980. He was made a Distinguished Fellow of the Nigerian Postgraduate Medical College in 2004. [2]
Aminu was a Consultant in Medicine, Senior Lecturer and Sub-Dean, Clinical Studies at the University of Ibadan Medical School (1973–1975), and Executive Secretary of the National Universities Commission (1975–1979). He was Visiting Professor of Medicine at Howard University College of Medicine in Washington DC (1979–1980) and Vice-Chancellor of the University of Maiduguri , 1980-1985. He was also Professor of Medicine at the University of Maiduguri (1979–1995). [2] https://en.m.wikipedia.org/wiki/Jubril_Aminu



Jelani Aliyu
In the 70’s he had already completed his basic education at Capital School Sokoto. He gained admission into Federal Government College, Sokoto. There he received a couple of awards in Technical Drawing. His engineering skills has never been in question. He had planned to study architecture at the Ahmadu Bello University (ABU), Zaria. The tech-whiz eventually obtained a scholarship from the Sokoto State government.

On his arrival to the United States, he enrolled at the College for Creative Studies (CSS), Detroit, Michigan in 1990. He studied Automobile Design for 4 years and obtained his degree in 1994. In the course of his study, he won two awards from Ford Motor Company and Michelin, US. He started work at General motors in 1997. By 1999 he moved to Germany to work in the Europe division.

In an official statement by GM, in New York, Jelani Aliyu was announced as the winner of a 10 month auto-engineering competition. It was noted that Jelani’s invention was eco-friendly with an apt ergonomics. The car uses gas engine to produce additional electricity. The statement further appreciated Jelani’s brain child saying,

See Also: Africa’s First Slick Super Car – Moses Ngobeni
As at January 2014, the United States Environmental Protection Agency (EPA) voted the Chevrolet Volt the most fuel-efficient vehicle in the market. The car runs on battery-power combined with a gasoline consumption of 3.8 L/100 km.

Jelani Aliyu is a proof to the power of the human imagination.

http://answersafrica.com/jelani-aliyu-chevrolet-volt-designer.html



African Women As Science Laureates http://www.africanews.com/2017/01/26/africa-s-top-5-female-scientists-awarded-20000-each-by-au-with-eu-support//


Who are the award winners?
Prof. Jane Catherine Ngila from Kenya as the East Africa Region laureate for her research in the area of Analytical-Environmental Chemistry on water resource management.

Dr. Lamia Chaari Fourati from Tunisia as the North Africa Region laureate for her research activities on conception and validation of new protocols and mechanisms for quality of service provisioning over emerging networks technologies.
Associate Prof. Celia Abolnik from South Africa as the laureate of the South Africa Region for her research in avian respiratory viruses, especially those that effect chicken and ostrich production in Africa.

Prof. Rokia Sanogo from Mali as one of the West Africa Region laureates for her research in Pharmacognosy with a particular focus on Traditional Medicines.

Prof. Olu-Owolabi Bamidele from Nigeria as the second laureate of the West Africa Region for her research on the development of sustainable alternative materials for water treatment.

meobizy:
The best sex position for a guaranteed pregnancy is steady kpenshing. Animals know this so I have no idea why humans won't. No matter what position you utilize, the woman won't take in if you're only shooting blanks.

Whaaaat?!

Your first paragraph can befuddle the non-initiates.

Based on my years of knowledge, let me school you off-hand...


Best positions to get pregnant:

1. Missionary with a pillow underneath the female lower back to aid the quick flow of the spermertozoa on the way to hit the ovum which is the size of a needle pin head. This has to be done during ovulation.

2. Doggie is the second best strategy to aid pregnancy. Aside from naturally hitting the "G-s.pot", "orgasm" can be easily achieved, which aids the quick movement of spermatozoa into the cervix for fertilization. Penile penetration should not be too deep to avoid
pain or discomfort around the cervix for the female.

Any other "lashing" outside the ovulation cycle will not evolve into pregnancy, and is merely for recreational purposes.

There you have it.

Ciao.

Doraty1:
https://punchng.com/twitter-ban-nigerians-lose-n150-46bn-in-two-months/

Islie:
2023 Governorship Ambition Forces Delta’s Ex-Attorney-General, Wife To Divorce



http://saharareporters.com/2021/08/10/2023-governorship-ambition-forces-delta%E2%80%99s-ex-attorney-general-wife-divorce

fergie001:
https://i-dailymail-co-uk.cdn.ampproject.org/ii/w680/s/i.dailymail.co.uk/1s/2021/08/14/15/46671571-9893551-image-a-1_1628949693738.jpg
A major earthquake struck western Haiti on Saturday and was felt across the Caribbean where people fled their homes for fear that buildings might collapse
https://i-dailymail-co-uk.cdn.ampproject.org/ii/w680/s/i.dailymail.co.uk/1s/2021/08/14/15/46671565-9893551-image-a-3_1628949701321.jpg
The 7.2-magnitude earthquake struck five miles from the town of Petit Trou de Nippes, about 7.5 miles west of Haiti's capital Port-au-Prince

https://i-dailymail-co-uk.cdn.ampproject.org/ii/w680/s/i.dailymail.co.uk/1s/2021/08/14/15/46671603-9893551-image-a-5_1628949743604.jpg
The US Tsunami Warning System has issued a tsunami warning after the quake
https://i-dailymail-co-uk.cdn.ampproject.org/ii/w680/s/i.dailymail.co.uk/1s/2021/08/14/15/46671569-9893551-image-a-4_1628949704889.jpg
The quake had a depth of six miles, the US Geological Survey (USGS) said
https://i-dailymail-co-uk.cdn.ampproject.org/ii/w680/s/i.dailymail.co.uk/1s/2021/08/14/15/46671573-9893551-image-a-2_1628949697643.jpg
'Everyone is really afraid. It's been years since such a big earthquake,' said Daniel Ross, a resident in the eastern Cuban city of Guantanamo

https://i-dailymail-co-uk.cdn.ampproject.org/ii/w680/s/i.dailymail.co.uk/1s/2021/08/14/15/46671789-9893551-image-a-22_1628950458949.jpg
Homes have been destroyed
https://i-dailymail-co-uk.cdn.ampproject.org/ii/w680/s/i.dailymail.co.uk/1s/2021/08/14/15/46671787-9893551-image-m-21_1628950455117.jpg


Dailymail UK

SultanOfAbia:
Women have been enjoying orgasms from vibrating dildos
So I finally bought and tested a mastubator cup. That sucks and vibrates your stick just like the real pussy.

Pros
1. It feels tight and warm just like real one
2. You can fantasize as you stroke with it
You will think it's real sex. Trust me
3. No chick will use sex as eyanga for u again
4. Sex anytime you want, no dry pussy
5. No STD, and the rest
6.No pregnancy.yaaay!!!!
7. Rechargable and portable
8. Retire your hands, this badboy has taken over.

Rejoice oh men of Mgtow for thou should invest in electonic silicon pussies.
No need for women. All your Konji will be sorted out as you desire.
No more woman wahala, No more Nagging
Only vibrating..

Kiasa:
Shut up you ignorant coon, black Men fought and died for the freedom of black people in the Civil War, freedom wasn't just handed to them. Why do you think the white man deserves some kind of accolades for ending an evil he created in the first place? Pathetic!!!

dre11:
https://dailytrust.com/photos-american-woman-adopts-yoruba-name-after-marrying-nigerian

siofra:
These pictures have been making rounds on the internet and damn the aesthetics and women are beautiful!!!

LegitPlug:
Glad to know you have my kind of mindset. Since I graduated some 7+ years ago, I've not written a single job application or attended any job interviews and thats because I was able to visualize how I wanted my life to be and did what had to be done to realize it and that's by getting the right skill I need.

When I said skill I didn't mean learning graphic design or Copywriting that won't be useful to you at the end of the day, but skills you can use to make a living from even without having a client (not yahoo yahoo client).

The skill is what I use to earn a living and reinvested my income. What did I do? I started earning from sport trading and used the income to get a new smartphone and laptop. Then I bought some domains of large companies with .org tlds who failed to acquire the .com and built stardard websites for them (I am a self-trained programmer). Then I pushed out my domains until the firms noticed my sites and most times they offer to buy the domain from me.

You have a POS shop and you're good with your VFL, what else are you looking for?

Expand your POS business, when you're big enough, give soft loans to people you're sure can pay back in installments on a weekly basis. I do this and get about 20% interest in 12 weeks. I know someone that gets 400k in 8 months for N280k loan.

Tweak your punting method until you have a 90-95% guaranteed success rate over a period of time then increase you bankroll and set a goal for yourself.

If you have enough to spare, put some money into agriculture. December is close and chicken is still a good way to make money off people that want to impress their neighbors. I sold a chicken at N4,500 last December and the price will be higher this year thanks to bad monetary policies from our govt.

One more thing, you're not in a race with anyone, grow at your pace and pray that God will bless every stage of your growth.

Kdon2:
Na so una go dey cry until you get the balls to go the amotekun way.

BeautifulWoman:
I have had this thoughts bother me for some pretty years. Though it may not be the only part of a relationship, sexual chemistry and overall satisfaction can act as a pretty big factor when it comes to your happiness level.

Even the loviest of couples could hit a rut if things start to feel a little repetitive in the bedroom.

Sure, there are ways to spice up your sex life, but what if you exhaust your options? What if sex starts to feel mundane and routine instead of fiery and passionate?

That's when you start to think about marriage: the bond between two people who say that they will love one another 'til the bitter end and will only take the train to pound town with each other.

While polyamorous or Player lifestyles operate differently, on average, the sex life of a married couple stays between only those two. With a lifelong relationship comes a lifetime of sex with the same person.

The question is, would a man be able to do that? Or would he get too bored?

BeautifulWoman:
I was curious for many years about my sexuality if I was a lesbian, bisexual, or straight. At a point, I fell in love with both a lady and a man. I liked the company and warmth of a girlfriend but also enjoy the strength and safety that comes with a male.

I am happy I chose one lifestyle and my heart is free.

UPDATE: I have recieved alot of messages and insults because of this post. For the record, I like males and my lifestyle is consistent in that direction. Don't judge me by the early years of my confusion. Very few women didn't experiment sexuality at one point in their lives. Thanks

RichBoy247:
Russians didn’t really know what to do with all of those Frenchmen, as POW camps had not been invented yet. It was a major headache for the government and a catastrophe for the prisoners themselves. Many of them were killed by the Russian peasants who saw Frenchmen as the unholy bringers of the Apocalypse (basically, Mongol hordes 2.0). Peasants were even buying prisoners from soldiers to kill as many as possible, as they saw the eradication of the Frenchmen as their sacred Christian duty.

Many of the survivors died from illnesses and harsh climate, although the government tried to supply them with appropriate clothing and money for food. But they were sent to various regions of Russia to be guarded by local authorities, and Frenchmen were dying on the way en masse.

Poles, Spaniards, and Portuguese were treated separately. Poles were accepted into Russian military service (a large chunk of modern Poland was part of Russia at the time), as long as they were ready to pledge their allegiance to the Tsar, while the others were sent to Spain through Britain, to fight Frenchmen at home. They had their own misadventures in Spain, but that’s another story and not mine to tell.

Among the Frenchmen, about 30 thousand eventually returned home, while the rest who survived all the hardships settled in Russia. At first, they were forced to help the locals with the reconstruction (for example, they were cleaning up Moscow after the disastrous fire caused by the war), and later they were doing whatever.

French was a very popular language at the time in Russia, and many Frenchmen became teachers and instructors. Famous Russian poet Mikhail Lermontov had a French tutor as a boy. That man was originally a French officer, one of the prisoners. Some former prisoners even joined the Russian military service.

The last former French POW died in Russia in 1894, allegedly at the age of 126. He was a former officer who became a teacher of French and fencing in the city of Saratov, 850 km from Moscow.


SOURCE: https://www.quora.com/What-was-the-fate-of-the-100-000-French-prisoners-left-behind-during-Napoleons-retreat-from-Moscow/answer/Boris-Ivanov-49

silentoperator:
I am from Omoku in Ogba Kingdom of Rivers State. My late grandfather told me that Akalaka migrated from ancient bini kingdom. He had two children Ekpeye and Ogba. If it was not so, he wouldn't have said it. Based on this, i make bold to say that i am not igbo though i don't have anything against the igbo man in fact they are among my best friends at home.

Tranquill:
Isn't it funny that among the 3 tribes of Hausa, Yoruba and Igbo, it is only the Igbos that come online to argue and insult on whether someone is Igbo or not. If you say you are not, you become enemy of Igbo, Igbo hater or igbophobic as some of them put it.

Don't you guys think that you are making people to believe that there's nothing special about being Igbo, the reason people don't want to identify with the brand?

Now you talk about people using Igbo identity at the national level, but I don't remember Igbo politician who has commanded followership at the national level using the Igbo brand. If anything, the Igbo brand is a liability in national politics since Igbos hate everyone and see every other tribes or ethnic groups as their enemy. Goodluck Jonathan is a living witness.

You don't see the Yorubas come online to insult people about claiming or not claiming to be Yoruba. You don't see the Hausas come online to insult people about claiming or not claiming Hausa. Infact in the North, you still find some tribes like Gwandara with historical ties with the Hausas, have the same names with very little differences in their languages and culture, yet they are respected as Gwandara. Same with some other tribes.

You come online daily to make people think that the Hausa/ Fulani people are bad and evil, but there is nothing in your attitudes or characters that shows that you are not worst than they are.

Open a thread daily about Ikwerre people. Say all that you like but it will not stop you from doing your biafra with your five Igbo states.

You have little opportunity now to build bridges especially with your immediate neighbors otherwise Igbo presidency will become a mirage just like your demonic SE/SS biafran pipedream.

N/B the latest now is that Kamara Harris is Igbo just like George Floyd, after the embarrassing procession in Igboland in support of Donald OKECHUKWU Trump. Ona no get shaaame!??

Friend22:
By Emeka Ugwuanyi

Thirty-six (36) hours after Nnamdi Kanu was seized by security agents and brought back to Nigeria, and 24 hours after he appeared before a Federal High Court in Nigeria, not even one single international news media has mentioned his arrest or appearance in court. Are you not surprised for a man so well-supported by the world?

Where are his contacts in Israel, European Union, United States, United Nations; all those people and groups that promised him Biafra: How come that none of them has noticed that he was arrested by the Nigerian government? Think, if you have brains. Even as Ojukwu was about to get into war in 1967, the international press was already talking about it. Nnamdi Kanu called Ojukwu Biafra the Class of 1967 and called IPOB Biafra the Class of 2021. He compared himself to Ojukwu. But how come that only Nigerian media is reporting his capture? No one else knows him.

The problem is not really Nnamdi Kanu. The problem are the thousands and millions of people who followed him and believed him. They believed every lie he told them. They believed that Donald Trump promised Kanu Biafra. They believed that international security forces were following him to protect him. They believed that Israel recognized him. They believed that the United Nations was supporting him. That is the problem - that there are so many foolish people in the land.

When I merely expressed a view of caution, they attacked me. They called me unprintable names. They called me an ex-convict and said I should go back to prison. Where are they now? Since they liked me to go to prison because I dared to raise issues about their leaders, they must be rejoicing now that their leader is back in detention and will not come out in the next ten years unless he begs Ohaneze and the same Governors he insulted.

I said we are not ready for Biafra. And many did not understand me. I said that even if you gave us Biafra, we will not know how to manage it. And many thought i was joking. When I saw the mentality of those who believed Kanu, I knew that we are in trouble. The main difference between the Igbos and the rest of the country is that in Igboland, the uneducated rule. In Igboland, the uneducated think that the educated should listen to them and follow them. Every tribe has educated and uneducated people. The difference is that in other ethnic groups, the educated ones lead. But in Igboland, the uneducated ones want to lead. That is why even though the Igbos have the greatest number of educated people, they end up with the most uninformed choices because the uneducated Igbos want to lead. Otherwise, nobody who understands international system would believe Nnamdi Kanu's lies. No educated person would believe that President Buhari died and a Sudaneze clone is ruling Nigeria in his stead and only Nnamdi Kanu, the Igbo people's prophet, would know that in the whole world.

Somebody asked me tonight: What will the followers of Nnamdi Kanu do? I told him that they are like lost sheep in the wilderness without a shepherd. His followers will disintegrate. They needed a radio operator based in UK to function. Nnamdi Kanu's Biafra was solely an online country. Even his ESN was an online imaginary army. The biggest blow is to switch off that radio. Once he was not able to address them on that radio, they are lost. What else will bring them together. They needed the radio. They needed Nnamdi Kanu who would switch from a priest to revolutionary, to a war leader, to all manner of things. Nothing is left now. His followers know that if they try to run a radio like he did, they may face the same consequences.

Some people say I am fighting a fellow Igbo. I am only educating the fools who followed that blind cause. I am helping them before they hurt themselves more. They have hurt Igbo interest enough. I believe that with IPOB contained, the Igbos can now come together to pursue the best interest of Ndigbo. The IPOB distractions and disruption have caused enough harm to the Igbos. Hopefully, we can now reorient the Igbo youths and get more of them to use their heads in the future.

©️ Emeka Ugwuanyi Esq

maol27:
Sleeping is very important especially if you want to be successful in life. But sleep at the right time with the right amount of sleeping time is very essential.





Here are the sleeping habits of the most successful people.

1 Richard Branson:
Sleeps 5 - 7 hours a day, 12 am - 5/6 am.

2 Bill Gates:
Sleeps 7 hours a day with no set time.

3 Jack Dorsey:
Sleeps 7 hours a day, 10:30pm - 5:30am.

4 Jeff Bezzos:
Sleeps 7 - 8 hours a day, 10pm - 5/6 am.

Source and more:
The Sleeping Habits Of Successful People. http://www.sanwomi.com/2019/04/the-sleeping-habits-of-successful-people.html

chatinent:
Those career beggars have made the real ones unfortunate.

Today, I dey complain say I never chop morning food na so one boy come drag my top say “brother please give me money, I never chop since yesterday (x2)”. I focused my spirit to ignore him until he repeated it again; I nearly broke his spinal cord if my hand touched him. This is sb I saw eating rice with about three pieces of meat while I was coming. He was the one who made me more hungry.