₦airaland Forum

deathwing:
How does this work? Is it like a stock you can buy and sell? What is the dividend yield?

I am co-asking about the NREIT too.

Use the free cloud storage options such as Onedrive, Google Drive and Dropbox to declutter your phone

ositadima1:
A friend of a friend who is into all this forex stuff turned ₦500k into ₦18 million on the NGX and documented it (each block represents the percentage return for the month). See the monthly return chart he showed me below. Is this possible?

I think it is very feasible, it's however a question of strategy

Hi osic,

In my POV, purchasing the hardware is hardly the issue. The big elephant in the room is more about how to activate it with a proper subscription at Lagos/Abuja where the official website says there are at capacity.

osic:
Good morning everyone, my friend wants to get starlink, but according to their official website, they are at capacity. He's thinking of getting it from starlink official store on jumia. Is that advisable or should he wait till when the official website will have??

My Oga, do you do this manually or there's an app that does the extraction?

emmanuelewumi:
Summary of Presco 2025 result

Revenue N331 billion

Gross Profit N228 billion

Operating Profit N214 billion

Net Operating Profit After Tax N174 billion

Earnings Before Interest and Taxes N222 billion

Profit after tax N138 billion

Equity N427 billion

Debt N151 billion

Cash N279 billion

Capital Employed N622 billion

Invested Capital N578 billion

Total Asset N833 billion

CAPEX N41 billion

Net Operating cash flow N146 billion

Free Cash Flow N105 billion

Return on Capital Employed 35.6%

Return on Invested Capital 30%

Return on Equity 32.3%

Cash Flow Return on Investment 17%

Cash Return on Invested Capital 18%

Gross Profit/Total Asset 27%

Working Capital N271 billion

Net profit margin 41%

Operating Profit margin 64.6%

EBIT margin 67%

Gross Margin 69%

OCF margin 44%

FCF margin 31.7%

Capex/Sales 17.3%

Capex/OCF 26%

Stock price N1635

Market Capitalization N1.9 Trillion

Enterprise Value N1.78 Trillion

PE Ratio 13.8

EV/EBIT 8

PoultryStuffx:
I'm working on a stock and trading app and I need API recommendations to integrate. Anyone?

Based on my understanding, no Nigerian stockbroker has an API right now. Only NGX seem to have a paid API for data. Others may comment if there's any stockbroker that I'm missing.

Fifi2017:
Samsung 40k

iPhone 6 40k

Mi 35k

LG. 25k

Lenovo 20k

Gameboy. 10k



You can send me a message for more pictures

Which models are we talking about?

awesomeJ:
Well you're wrong to think there's a crash any where. I can't even remember the last time i had a weekly red. Even daily reds are so few, they can be counted.
If you want, pick any week at random between August and Now, I'll show you it's green. (August cos that's when i started using my current software)

If you want a N500m portfolio, and you have N30m, you can choose to grow at N3m per month for maybe a decade before you hit your target, or you can seek to find leverage that'll help you grow at twice the speed (N6m monthly) and cut the time to 3 years.

That's the maths, seeking leverage doesn't mean you aren't making profits? why would you even assume that?

If i wasn't making profits? N2.5m in monthly trading fees would have sent me back to village na.

Weldone, awesomej. Is the said software used for trading or simply trade reconciliation? I'm guessing it's a custom tool

Shnew:
CALL MAKING TAB

Samsung Galaxy Tab S3 LTE

4gb/32gb

140k

Contact: 09078589062

How much last? From which state?

To other people using laptop/desktop, please check to confirm that the time on the computer you are using is correct.

Yes

osament:
Pls , does it required exam reference number or exam number to write the cbt , cos I'm writing on the 19th?
Pls I need a response ooo

officialgflames:
Is it true that all exams scheduled for 18th has been shifted to 17th? Kindly login your exam portal to check your schedule time and date...

Is there an official notice to this effect? Are these people not the same people that told applicants not to try logging in ahead of their scheduled time and day? On the other hand, how does one check the new scheduled time and date?

"Verified - awaiting admission" is the status for the past 15 mins

How long was the delay before you were admitted post-verification?

Perfecto

mikeapollo:
It may also drop to N1 after you buy at N5

I just need TIP at 5

While this is not a recommendation for everyone, you should consider taking natural probiotics such as Kunu, unsweetened yoghurt e.t.c It should help recalibrate your digestive tract flora to achieve a balance where H. pylori no longer has any control

Hi Gbenga,

What should the expected budget for a functional website with payment gateway that can be self-managed?

msacent:
IF YOUR BUSINESS WEBSITE IS NOT BRINGING NEW CUSTOMERS, THEN YOU ARE MAKING THESE MISTAKES.

Do you have a website, and you are not getting new customers or orders or quotes, whatsoever that can make you money, then this post is for you.

I wrote a post about the importance of having a business website, if your business don't have a website,you can check that out here. https://www.nairaland.com/8519064/why-business-needs-website-even

What if you have a business website, but nothing changed, no calls, no inquiries. Then the problem could be:

1. YOUR WEBSITE NOT ON GOOGLE:

If your website is not on Google, new customers can't find you, no one crams www.business_name.com.ng anymore.

If your website is not on Google, you can get it indexed on Google and set up the right SEO structure so new customers can find you easily.

Bonus: To check how your website is doing in terms of SEO, you can use https://www.seobility.net/en/seocheck/

2. YOUR WEBSITE IS DESIGNED POORLY:

Do your website look like one created using 2010 WordPress template, or just text and images flying around, no alignment, just chaos?

Or it doesn't show properly on mobile phone?

If yes, that's a problem. You are giving your visitors a hard time navigating through your website. So they leave.

To solve this, you need to redesign your website to make it look modern and user-friendly, and you will need a web designer for that.

----------------------------------------------------------------------


You have your website on Google, it has a good design, but I don't get the calls, I don't get the inquiries. So what's the problem?


3. SLOW LOADING:

Website visitors are impatient. If your site takes too long to load, they will close it so far they have other alternatives.

To solve this, optimize your website resources like images or choose a better hosting platform to speed up loading time.


4.NO SSL CERTIFICATE:

Go to your website, now check if it has http or https.

If it has https://, congratulations!
But http:// - that mean your website does not have a SSL certificate.

Not having an SSL certificate means that some browsers will flag your site as not secure and direct users away from it and impacts how search engines like Google rank your site.

If you don't have SSL certificate, speak with your web agency, or domain provider or contact a web developer.


5. YOUR WEBSITE HAS NO USEFUL CONTENT:

Most business websites have just Homepage, About page and Contact page.

If your business have the same, that is not enough! I do advise my clients against it, especially when you have competitions on the web space.

You need to provide value even without selling your product and one way to do that is with BLOG.

Let use an example:
Ade just came to Lagos as a JJC and he needs to get an apartment. Then he went online and Googles "how to get an apartment in Lagos".
And a real estate website has a blog post on the topic that gives him clear guidelines on how to go about it without straight forward advertising to him.
And then he explore other blog posts and saw some other helpful articles. Ade will begin to trust the real estate agency and the possibility of patronizing the business is high.

Why? Because they provide useful content and they will convert more visitors into paying customers than one which just have a homepage, contact page and about page.

So, integrate blogs into your website, create content, have newsletters. It might not just be only blog, even YouTube videos, or TikTok shorts as far as you are referring them to your website. But blogs still do magic.


If your website have any of these problems, send me a DM and I will help you review your business website for free and give you suggestions on how to optimize it.

www./2349057339147
WhatsApp/Call: 09057339147
Portfolio: https://gbenga.koyeb.app/

Gbenga Opeyemi.

Offpoint1:
Both are relatively peaceful... No need for comparison.

When it comes to beauty cleanliness... Give it to AK.

Recently visit a general hospital in Akwa Ibom, took this picture and funny enough this is not even the capital.

Can't described Uyo cleanliness

I support this post with a can of malt

GeneralDae:
If you earn 2 million naira, you pay less than you are paying now under the new law. Except we are both talking about something different.

Emphasis is on 2m monthly and that will be equivalent to 24m on an annual basis

ojesymsym:
Thanks for this link. Please is the NHIS Contribution (Annual) (₦): the same as HMO subscription? Any ideas?

Modified
Wait, I never knew rent was exempted from tax. When I added rent to place for rent, the tax value actually reduced compared to when I did the calculation without rent.

There is a consideration that was not included in the simulator - "The NTA introduces a rent relief (20% of rent, up to a maximum 500k), replacing the previous consolidated relief."
Source: https://www.ey.com/en_gl/technical/tax-alerts/nigeria-tax-act-2025-has-been-signed-highlights

awesomeJ:
If you're an active trader here, I just wrote a nice Flask app that accurately helps with tracking your earnings, cost, portfolio snapshot etc.

I'm so excited about it.

Super light weight too.

Maybe I'll put it in a public repo for anyone who would like to use.

Do you mind sharing link to the github repo?

In addition to the above recommendation, you might want to set up your private DNS (check Google for your model specific navigation guidance). I have tried Adguard and it's quite good

It's most likely palm-store that is disturbing you. Simply update your app from Google playstore and the issue will likely be resolved

What's the name and model?

Nanauju2:
I have a brand new 10’ inches tablet going for 55k available for delivery or pickup in Lagos
Can also be waybill to any state in the country

Call or WhatsApp: 070 618 09819

See specifications for this below

-6000 MAH Battery capacity
-2 SIM card slot
-4/5G Communication module
-ROM 64GB
-RAM 4GB
-Android 8 OS
-Wi-Fi, Hotspot and Bluetooth support
-10 inches screen size
-comes with free pouch and type C USB CHARGER

Is this related to their BluNest platform?

vanvickie:
Stanbic ibtc has a link that can be used to access tbills (both primary and secondary market), all you have to do is input ur account number, then an OTP is sent to the phone number and email address linked to your account.

Secondly, with this link, you get to see all secondary market rates available for each day in real time.

Thirdly, you can access the primary market auction even if you have less than 50 million (however, I wasn't able to choose my own rate, so I had to go with the bank's rate). STANBIC's last rate was 19.2 ish.


I tried it out this last auction and it worked. Just said to update you guys. It's really easy and seemless. So you can reach out to your account officer to send you the link.

Go to the closest general hospital osiso. No go dey play with partial stroke

Sirchiboy:
Please what could be the problem

thesilentone:
Top tier tool

Which tool /platform is this, my oga thesilentone

laivwire:
I remember an old funny thread on nairaland about a guy who shaved his butt hair. That thread was comedy at its finest. When you're done, you'd realise the hair has its function.

https://www.nairaland.com/2864184/why-must-never-shave-anal

Shaving it is not the problem. Can OP handle the friction while walking, after eliminating those hairs?

yourstruly5:
Hi Everyone, please I need clarification on this. I came across a FGN bond with a coupon of 16.29 for two years. Assuming someone invests with N100,000, will the person get paid 16.29% of the principal in a year? OR it will be half of the 16.29% twice in a year? Thank you.

https://ngxgroup.com/exchange/trade/debt/listed-bonds/bonds-details/?isin=NGFG142027S5&directory=bonddirectory

The latter is your answer