₦airaland Forum

My brothers and sisters.............



How many of you that went to church today specifically devoted time to prayed for his/her Boss and his family?



- these yeye girl for here no let me rest abeg.........with her "cholls the devil is gradually romancing you o" talk sh!t.


- abeg bcuz I no go church today (a year) mean say I no love God. Abi watin sef!

- ok, I come ask am " babe did you pray for your boss in church today?"

- na so she just dey dumbfounded.........the way she humble no be for here.

- na she use style dey massage my shoulder........lower her head to my ear......she come whisper " cholls you're a devil"




To some of you holly holly! abeg take am easy.

my brother this little girl is not happy in that outfit beg..........watin dem do am na.

Ginius95:
I live in Fadeyi. I Take this route everyday for the past 2 years . I took this picture just yesterday at past 2pm. So don't tell me about misinformation here. Only if perhaps one of your ancestors put it up this morning.

my brother hahaha! my "ancestors" ya fada!.

my brothers and sisters when is Baba going to look into this NFF "fantastically corrupt body" in Nigeria..............especially, those famous Three Musketeers.

my brother stop misinforming people.........as I speak now the construction of the letters is completed.

my brothers and sisters I swear if these where to be Lagos by tomorrow you'll see them using this ice to sell pure water.

my brother :d


I recommend John Scofield classics or yusef lateef.

my brothers and sisters please when is the service starting sef...........cuz I want to leave early.

my brothers and sisters did I hear someone say "learn from them"?.

my brother cuz it saves TIME and MONEY.

my sister YorceelinaBlaq hi.

my sister

my brothers and sisters help me tell ND that Aje ti wo ile o de ma explore and militants o le destroy.

my brother cuz of my health........I will prefer all of them types.

my brother don't mind them..........they just hating on your foolishness.

my brothers and sisters......... Do you know what it is?


Do you know why it's important if you want to become a successful investor/business owner?


Understanding this concept is the basis of figuring out the value of anything related to investing..............


Time value of money (TVM) is the basis of all financial concepts

TVM is the idea that a naira today is worth more than a naira in the future................or what most people know as "a bird in the hand is worth two in the bush"
what that means is that a person should prefer to have their money now vs. waiting til later to receive it

a naira in the future is worth less because a naira in hand right now could be currently used to invest

if you lend someone money, you miss out on any opportunities to use that lent money to invest it in something possibly more profitable

so whenever a person borrows money from a lender, the borrower will have to pay back the money he/she borrowed (the principal), plus a charge for the lender being without their money until they finally get it back (this charge is the interest rate)

TVM explains why lenders charge interest to lend money, and why lenders expect a higher payback from someone who is more riskier to lend to

TVM explains the purpose behind compounding interest (otherwise known as Future Value)
and discounting (otherwise known as Present Value)
everyone understands the idea of leaving your money in the bank for a long time, and the amount put in the bank grows because of compounding interest.................the bank pays you an interest rate for being allowed to hold on to money

Future Value (FV) is mathematically expressed as a principal multiplied by an interest factor:

the principal - is the initial amount loaned or invested

the interest factor - in the interest rate plus one exponentially grown by the number of compounding periods

ex: N100 invested at an interest rate of 5% for 3 years = N115.76

N100 (the principal) x [1 + .05]^3 (the interest factor) = N115.76

Present Value (PV) is the same as FV except the principal is divided by the interest factor to discount:

ex: to find out how much money should put in a bank account today so that N100 will be there after 3 years of earning 5% interest = N86.38

N100 (the principal) / [1 + .05]^3 (the interest factor) = N86.38

you would need to put N86 naira in an account paying 5% interest in order to have N100 after 3 years

FV and PV is used for all financial valuations..............and there are several applications of FV and PV ie. annuities, perpertuities, amortization, mixed funds, etc

mainly try to understand the interest rate you expect to receive as payment for giving a person your money is known as the "return" on your investment

TVM implies that a rational person would demand a higher return for lending their money to someone with more risk (risk = the threat that you may not receive all of your money back)

for investors, any potential investment should be analyzed by valuing the investment using TVM techniques: this helps you decide which investments to make over others based on which investment gives you higher returns

for business owners, the cash flows from profits your business creates are evaluated using TVM techniques by potential investors, and internal/external advisors and analysts..............you can't properly identify how well your business is actually doing if you can't show specifically how much return your business gives investors in comparison to other competitors


rational investors are always looking for the least risky/highest return investment............your job as a manager of your business is to minimize risk and at the same time amplify your returns: THIS IS THE KEY TO RUNNING A SUCCESSFUL BUSINESS.

my brothers and sisters......... Do you know what it is?

Do you know why it's important if you want to become a successful investor/business owner?

Understanding this concept is the basis of figuring out the value of anything related to investing..............


Time value of money (TVM) is the basis of all financial concepts
TVM is the idea that a naira today is worth more than a naira in the future................or what most people know as "a bird in the hand is worth two in the bush"

what that means is that a person should prefer to have their money now vs. waiting til later to receive it

a naira in the future is worth less because a naira in hand right now could be currently used to invest

if you lend someone money, you miss out on any opportunities to use that lent money to invest it in something possibly more profitable

so whenever a person borrows money from a lender, the borrower will have to pay back the money he/she borrowed (the principal), plus a charge for the lender being without their money until they finally get it back (this charge is the interest rate)

TVM explains why lenders charge interest to lend money, and why lenders expect a higher payback from someone who is more riskier to lend to

TVM explains the purpose behind compounding interest (otherwise known as Future Value)

and discounting (otherwise known as Present Value)


everyone understands the idea of leaving your money in the bank for a long time, and the amount put in the bank grows because of compounding interest.................the bank pays you an interest rate for being allowed to hold on to money

Future Value (FV) is mathematically expressed as a principal multiplied by an interest factor:

the principal - is the initial amount loaned or invested

the interest factor - in the interest rate plus one exponentially grown by the number of compounding periods

ex: N100 invested at an interest rate of 5% for 3 years = N115.76

N100 (the principal) x [1 + .05]^3 (the interest factor) = N115.76

Present Value (PV) is the same as FV except the principal is divided by the interest factor to discount:

ex: to find out how much money should put in a bank account today so that N100 will be there after 3 years of earning 5% interest = N86.38

N100 (the principal) / [1 + .05]^3 (the interest factor) = N86.38


you would need to put N86 naira in an account paying 5% interest in order to have N100 after 3 years


FV and PV is used for all financial valuations..............and there are several applications of FV and PV ie. annuities, perpertuities, amortization, mixed funds, etc

mainly try to understand the interest rate you expect to receive as payment for giving a person your money is known as the "return" on your investment

TVM implies that a rational person would demand a higher return for lending their money to someone with more risk (risk = the threat that you may not receive all of your money back)

for investors, any potential investment should be analyzed by valuing the investment using TVM techniques: this helps you decide which investments to make over others based on which investment gives you higher returns

for business owners, the cash flows from profits your business creates are evaluated using TVM techniques by potential investors, and internal/external advisors and analysts..............you can't properly identify how well your business is actually doing if you can't show specifically how much return your business gives investors in comparison to other competitors

rational investors are always looking for the least risky/highest return investment............your job as a manager of your business is to minimize risk and at the same time amplify your returns: THIS IS THE KEY TO RUNNING A SUCCESSFUL BUSINESS.

talk2alabama:

my brother cutehector why na.

my brother abi na......... Contract Bridge

my brother why im commit suicide na.

PunkyV:
I don't remember but usually they're so lame. I just smile, listen & tell them, "No". Some will even follow you for a distance, even after you've brushed them off. Like an annoying shitfly buzzing in your ear.

I admire guys though, must not be easy to work up the courage to walk up to a stranger & profess interest. That takes guts imo. Rather them than me lol

my sister yo! what are you feeling like. A Boss Lady?!

my brothers and sisters this old lady and small wizkid are doing great things for themselves of recent.

my brother you and Gtbank sha.

my brother number 1 is damn fvcking right.........

my brothers and sisters.........." Food e no dey
Brother eh water no dey
And our country no good o
e dey make musician turn
hairdresser o na e"

my brother waste.

repogirl:
in the church? Or in the registry?

my sister in the registry

repogirl:
nope, definitely can not.

That's a white wedding. A church or Registry can never ever ever join a man to two women legally.

my sis what about illegally?

my brother please I need the contact of buhari's daughter.