Good day all to the gurus,up and comings, and newbies of the house.

I have diligently being following and enjoying the NSEMPA divergence of opinions, perspectives, position, permutations, posture, practice, principle, system,standing, contributions, that generate - heating up,cooling down, on point, off point, sideline, on line, on target, off target,teeth shining, teeth baring, not good, so good, and very good ...........etc reactions and receptions.

All put together forms a veritable mine of information for truly discerning mind to gain in wisdom, understanding and ready to apply planting experience that is invaluable to profitable trading and harvest.

This shout out is to specially appreciate you all (our ogas/aunties) for the past,present and future invaluable value added to us and the opportunity afforded us in your various unique and special ways to tap from your wealth of productive and profitable experience and so altruistically freely at that. Thank you.

2016 and Beyond Will bring Our Harvests in both bull and bear markets by the Grace of God.

Happy Productive, Strategic and Profitable Trading $$$$$$$$$$$$$$$ to us all.

Special New Year Message to You and to All .

Welcome to Year 2016

As you March on to greater things and pleasant surprises in this month of January that is the Gate into the year 2016 that I Pray will be your year of “Divine New Beginnings, Multiplication and Upliftments”. 

 

In the mighty Name of Jesus, my Prayers is that for you and all that pertains to you, God will from now on:

 

1.   Move To Daily Grant You Wisdom And Understanding Such That Adequate Resources For Actualization Of Your Vision And Mission In Line With His Plans And Purpose For Your Life Will Be Divinely Made Available To You,

2.   Move To Empower You For Divine Exploits, By Granting You The Power To Make Wealth,

3.   Make Everything Work Together For Your Good, Promotion, Advancement And His Glory,

4.   Daily Load You With His Manifestly Evident Benefits And Blessings,

5.   Make You More Than A Conqueror, By Raising Men And the Hosts of Heaven To Fight All Your Battles To Victory And Mandating Them To Make The Receipt Of Such Conquests Available To You For Your Divine Elevation And Benefit 

6.   Grant You In His Enduring Mercies, Favour That Profitably Distinguishes And That Enables One To Become A Source Of Blessing To All Men And Nations Of The World,

7.   Finally From Now On Make Your Joy To Be Full And Complete To The End Of Your Days In Jesus Name. Amen.

 

 

This I Pray will be your Portion for Daily Manifestation from Today, throughout Year 2016 and Forever in Jesus Mighty Name. Amen

Also For Investors with focus on banks and decision making on the short ,medium to long term.

http://www.ngrguardiannews.com/2015/11/banks-operating-expenses-hit-n3-3tr-in-th/

myjoy084:
Investors to start receiving direct cash payment January 2


http://thenationonlineng.net/investors-to-start-receiving-direct-cash-payment-january-2/


Sanity is coming to this market gradually as the regulator has awaken from their slumber



Experts commend CBN for reducing MPR, CRR...


http://thenationonlineng.net/experts-commend-cbn-for-reducing-mpr-crr/

bakila:

The Federal Government is forcing investors to inject money into the economy. It is a good thing for making the economy active. I was forced to invest more in what gave me about 60% return last year instead of going for 8% my banker gave me.

will be interested in knowing this vehicle of investment too. Please share with us here. Remain blessed.

Just got a hint from a friend that another round of Naira Devaluation may be around the corner, and that the remaining FPI investors do not want to be caught napping hence this present NSE bearish closings.

All the same wants to share with us to aid planning for optimal planting returns.

This may or may not be true, as I am not in any position to validate the assertion.

Thanks all my ogas and aunties in the house for the wonderful work going on here daily.

Bama Passed Away.

We lost Scooby, A wonderful Female Alsatian on the 15th of January,2015.

Today 09.09.2015 Obama (Bama for Short) also an endearing Male Alsatian that could not get over the grief of the loss of Scooby passed away in its sleep.

The two of them like soul mates from Ilorin and Ibadan have come, seen, played their playful,wonderful and endearing parts in our family, conquered and left.

The Family will always miss you all and You will Always be in our memories.

Rest in Peace Scooby and Bama, Never to Walk Alone Again.

ernie4life:
1.Saying "I'll be greedy when others are fearful" is much easier than actually doing it.

2.The gulf between a great company and a great investment can be extraordinary.

3.Markets go through at least one big pullback every year, and one massive one every decade. Get used to it. It's just what they do.

4.There is virtually no accountability in the financial pundit arena. People who have been wrong about everything for years still draw crowds.

5.As Erik Falkenstein says: "In expert tennis, 80% of the points are won, while in amateur tennis, 80% are lost. The same is true for wrestling, chess, and investing: Beginners should focus on avoiding mistakes, experts on making great moves.

"6.There are tens of thousands of professional money managers. Statistically, a handful of them have been successful by pure chance. Which ones? I don't know, but I bet a few are famous.

7.On that note, some investors who we call "legendary" have barely, if at all, beaten an index fund over their careers.On Wall Street, big wealth isn't indicative of big returns.

 8.During recessions, elections, and Federal Reserve policy meetings, people become unshakably certain about things they know nothing about.

9.The more comfortable an investment feels, the more likely you are to be slaughtered.

10.Time-saving tip: Instead of trading penny stocks, just light your money on fire. Same for leveraged ETFs.

11.Not a single person in the world knows what the market will do in the short run. End of story.

12. The analyst who talks about his mistakes is the guy you want to listen to. Avoid the guy who doesn't -- his are much bigger.

13.You don't understand a big bank's balance sheet. The people running the place and their accountants don't, either.

14.There will be seven to 10 recessions over the next 50 years. Don't act surprised when they come.

15.Thirty years ago, there was one hour of market TV per day. Today there's upwards of 18 hours. What changed isn'tthe volume of news, but the volume of drivel. 

16.Warren Buffett's best returns were achieved when markets were much less competitive. It's doubtful anyone will ever match his 50-year record.

17.Most of what is taught about investing in school is theoretical nonsense. There are very few rich professors.

18.The more someone is on TV, the less likely his or her predictions are to come true. (U.C. Berkeley psychologist Phil Tetlock has data on this).

19.Related: Trust no one who is on CNBC more than twice aweek.

20.The market doesn't care how much you paid for a stock.Or your house. Or what you think is a "fair" price.

21.The majority of market news is not only useless, but also harmful to your financial health.

22.Professional investors have better information and faster computers than you do. You will never beat them short-term trading. Don't even try. 

23.How much experience a money manager has doesn't tellyou much. You can underperform the market for an entire career. And many have.

24.The decline of trading costs is one of the worst things tohappen to investors, as it made frequent trading possible. High transaction costs used to cause people to think hard before they acted.

25.Professional investing is one of the hardest careers to succeed at, but it has low barriers to entry and requires no credentials. That creates legions of "experts" who have no idea what they are doing. People forget this because it doesn't apply to many other fields.

26. Most IPOs will burn you. People with more information than you have want to sell. Think about that.

27.When someone mentions charts, moving averages, head-and-shoulders patterns, or resistance levels, walk away.

28.The phrase "double-dip recession" was mentioned 10.8 million times in 2010 and 2011, according to Google. It never came. There were virtually no mentions of "financial collapse" in 2006 and 2007. It did come.

29.The real interest rate on 20-year Treasuriesis negative, and investors are plowing money into them. Fear can be a much stronger force than arithmetic.

30.The bookWhere Are the Customers' Yachts? was written in 1940, and most still haven't figured out that financial advisors don't have their best interest at heart.

31.The low-cost index fund is one of the most useful financial inventions in history. Boring but beautiful.

 32.The best investors in the world have more of an edge in psychology than in finance.

33.What markets do day to day is overwhelmingly driven by random chance. Ascribing explanations to short-term moves is like trying to explain lottery numbers.

34.For most, finding ways to save more money is more important than finding great investments.

35.If you have credit card debt and are thinking about investing in anything, stop. You will never beat 30% annual interest.

 36.A large portion of share buybacks are just offsetting shares issued to management as compensation. Managers still tout the buybacks as "returning money to shareholders."

37.The odds that at least one well-known company is insolvent and hiding behind fraudulent accounting are high.


38.Twenty years from now theS&P 500(INDEX:^GSPC)willlook nothing like it does today. Companies die and new ones emerge.


39.Twelve years agoGeneral Motors(NYSE:GM)was on top of the world andApple(Nasdaq:AAPL)was laughed at. A similar shift will occur over the next decade, but no one knows to what companies.


40.Most would be better off if they stopped obsessing about Congress, the Federal Reserve, and the president and focused on their own financial mismanagement. 


41.For many, a house is a large liability masquerading as a safe asset.42.The president has much less influence over the economy than people think.

43.However much money you think you'll need for retirement, double it. Now you're closer to reality.
‎
44.The next recession is never like the last one. 

45.Remember what Buffett says about progress: "First come the innovators, then come the imitators, then come the idiots."

46.And what Mark Twain says about truth: "A lie can travel halfway around the world while truth is putting on its shoes."

47.And what Marty Whitman says about information:"Rarely do more than three or four variables really count. Everything else is noise."

48.The bigger a merger is, the higher the odds it will be a flop. CEOsloveempire-building by overpaying for companies.

49.Investments that offer little upside and big downside outnumber those with the opposite characteristics at least 10-to-1.

50.The most boring companies -- toothpaste, food, bolts -- can make some of the best long-term investments. The most innovative, some of the worst.


http://m.fool.com/investing/general/2012/11/14/50-unfortunate-truths-about-investing‎

Interesting and enlightening.

ednut1:
also waiting to learn bt trust me he wont put it here cos .......

The present economic realities in both the national and individual space is challenging as it is tasking.

There are basically about 5 vehicles for capital formation or wealth generation as is more commonly called.

All of them shares similar attributes like time to wait,deliberate strive for Education on dynamics, and above all level of risk one is ready to take in driving towards once objectives.

Of the 5 vehicles known to man presently fixed and money market has the least of risk & a pegged ROI of like max 15% p.a and requires next to nothing investment of time for one's education.hence I would say should be embraced at old age and in once retirement.

The second I play in and which I would recommend Under guidance is capital market investment.
The yield here is multi dimensional as it could be rewarding based on understanding of associated risks,timing and necessary planning of the investment objective with an experienced mentor.
Some of the benefits here are:
Income yield (dividend)that could range from 6 to 15 % depending on timing of investment.

Another is capital appreciation that could be also very interesting and dwarf what a FD could yield

The third is the leverage of expansion possible using this type of investment as the underlying asset.

All these are possible with a proper understanding of the asset class, associated risks, readiness to learn and pay ones due,patience to wait out the investment to good harvest and above all partnering with an experience mentor that will show the way.

I am available to guide with my years of experience in this area.

Thank you.

dukeolumde:
Please am really confused. What would ur candid opinion be if u had N10m to invest in Nigeria.

That amount is tidy and if well managed is enough to guarantee some future financial freedom.
The options to look at are many.
But the two I will advise for now is the fixed and money market and also the capital market.
The money market will return a max of like 15 per cent p.a on an almost risk less basis.
But if you are open to education and are ready to engage life on a higher pedestal ,knowing that risk and return are perfectly correletad, then the caipal market is recommended under guidance and management.
If you would like to know more especially on how the capital market can be made to work for you under a moderated arrangement please let me know.

It is good to think risk less investments. But if your horizon of sterilizing the fund is more than one year then it is good to be open to education on other investment opportunity that could return more than the max of 15 per cent that fixed andoney market can do. Ignorance of what works in other investment arena is what prevents UA from doing good returns from them .if you would like to know more about this let me know.

rahdio:
Hello, house.
Made a couple of bucks over the year, and would like to invest three million naira. After reviewing options, both online and offline, I've narrowed down to either Treasury Bills or Fixed Deposits.
I'm not too particular about returns, and I'm looking long-term, 1 year upwards. All I'm concerned with is security, and the cash maintaining same/higher real value, over the course of the investment.
Which would be advisable? Thanks.

Hello class. That amount can do better return in well managed investment vehicle other than bank deposit. If interested to know more let me know.

Thanks for these Wonderful, insightful, thoughtful, deep, instructive and interesting collections.

They are a good food for thought.

since u have not before now thought of what to do with a pay off,it is not good to jump at the lump sum without a concrete plan that is a bit tried and tested no matter how modest the scale,this i can tell you based on experiences of people in the past.
While you are at your work a few advice I will like to give you are:
1. Start saving between 20 to 30 per cent of your take home.
2.ensure the savings above is safe from you (you could have this in a cooperative or an insurance plan that compounds for a period with a lump payment at end).
3.start to invest in your education in businesses in the areas where your passion and interests are greatest.
4. Seek for mentors along those lines and learn from them.
5. Articulate the vision for your life prayerfully and in WRITING into short(1 to 5 years ), medium( 6 to 9years) and long( 10 years and above ) .
6.also seek for more understanding on how to get passive income from any of these financial and wealth generating vehicles.
a.Stock investments,
b.Real estate investments,
c. Intellectual Property ownership and sales, d.Automated Businesses that requires little investment of time and effort once set up,
e.commodities trading at ur spare time.

Above are my little contributions for your consideration and possible adoption as you strategically drive your life to your desired goals.

Be blessed.

[quote author=myjoy08 post=34455469]The moment we see NSEMPA forum muted, it means BNSITL are taken positions .

Sir, Please kindly advise if one has N20M to invest in the capital Market and with a time frame of 6 months to 1 year to with an ROI expectation of minimum of 60 per cent.

How best should one invest it.

What Strategy(ies) should the person employed.

Which stocks should one look at and at what times, prices (in and out) and for what levels of return expectations.

What other factors should the person also consider for overall success.

I will appreciate your invaluable guide.

Also comment of my other Gurus in the house is welcome.

Thank you all as we all embark on making Interesting Real Money this year.

amokeme:
Am really curious about this. What could be the cause or who is to "blame"? Is it the child, the primary school (and by this I mean, the teachers who taught us writing) or could it be hereditary?

I remember growing up as a kid my parents especially my dad, were so worried about my writing... They had to hire a home teacher specially for that purpose.. My improvement was really slow. I had to tell him one day that "daddy your writing is not fine too but my mummy is still nice to you" my mum had a good laugh that day. He apologise for being hard on me about it.. And the pressure reduced .
But i really want to know what is responsible for this

Ps- created this same topic before, but I didn't get a lot of opinions. Hope to get that on this section.

My research on this topic made me to know that children with scrawly handwriting are really not laggards and are usually well above average.

The reason for this not too beautiful handwriting was as a result of the fact that their brain output is far ahead of the hand activity hence the scrawly nature of the writing.

What to do with such a child is to encourage him to step up his conscious effort at aligning his thinking to tally with his writing so as to be able to produce close enough to ideal writing.

lancee:



God bless Nigeria !

I also pray that the dawn of this new era will usher in Peace, Prosperity and a Hunger for Righteousness and Charitable Living in the life of our new Leaders, the Citizens and the Country in general.

Our portion,place ,position,rewards and benefits in super abundance as BNSITL on NSEMPA and in this country will timeously,bountifully and copiously be delivered unto us from all sources and on all our hopes and expectations from now on and forever in Jesus Name. Amen.

Once again I Welcome us all and the country- Nigeria to the eternal and unending season of our destiny fulfilment and manifestation of Gods Glory in Jesus mighty name.Amen

Agbalowomeri:
On selling stocks!

I have a long term perspective to stock market investment. However, I learnt to sell stocks whenever the cowboys are in town and to return with more units when the hunters have left, most times giving myself huge bonus. For example, I sold all my afriprud around 3.3-3.4, re-entered at 2.5. I intend to sell again between now and July if it gets above 4, otherwise till march, 2016 when uncle T and boys returns. I will sell my eterna the next time the coy declares dividend

This is food for thought for discerning investors. My take away from it for the benefit of newbies like me are:

1."I have a long term perspective to stock market investment"........

a)Have a long term plan to guide your investing in this market.
b)Start only when your due diligence is complete and your system conditions are set
c) TAKE ACTION when your signals are aligned

2. " I learnt to sell stocks whenever the cowboys are in town and to return with more units when the hunters have left most times giving myself huge bonus"..........
a) Be alive to what is still happening in the market on short to medium term as
b) Money(Cash) is a current asset and should be dynamically employed
c) Set a target for your money (assets) and invest in your education of how to drive it there

3. "For example, I sold all my afriprud around 3.3-3.4, re-entered [/b]at [b]2.5. I intend to sell [/b]again [b]between now and July [/b]if it gets [b]above 4, otherwise till march, 2016 when uncle T and boys returns"....

a) Read for understanding especially in area where you play (mind your business)
b) Find a mentor that knows the road, your learning is improved and enhanced, and at same time learning curve is shortened
b) Turn your understanding to a system to refine and/or redefine your plan of 1 above
d) Trend is your friend -increase your understanding of it.

Thanks Baba Agba for this short piece worth more than a million ($$$$$$$).

Sorry about the death of Adolf,I know how it feel,as I was there too when we lost playful Scooby on the 15th of January 2015 after only 6 year.I pray God grant it eternal rest. Take heart.

FBN to pay N1.00 Dividend. Not a bad one from the elephant.

Thanks for your Beautiful Piece of Prayer and Good Wishes.
I Claim all for us all in Jesus Mighty Name.Amen.

Enjoying the beautiful work you are all doing on this thread.

My few years around has led me to know that under the sun, very few are doing something now with impact on their future in the area of financial independence.

And IMHO, i think the ignorance with which we are driving into the future is due to lack of basic knowledge of what habits help in area of financial discipline,savings and finally having a store of fund for investment opportunities when it present itself.

Another vital area of knowledge gap is knowing and understanding the dynamism around wealth generation vehicles.

Please let us educate ourselves more on this thread especially on what it takse to productively and profitably interface with the few underlisted wealth vehicles based on your personal success story.
1. Real Estate Investments
2. Automated businesses
3. Paper investment
4. Intellectual properties

Olawale no 14 just emerged the winner of MTN project fame some minutes ago to bring the. Season 6 (2013 edition ) to a pulsating close.
OLAWALE Congratulations u made us your friends and fans proud. Goodluck also to all other contestant .

lovely and impactful