₦airaland Forum

WriteerNg:
⚡Guinea-Bissau:

ECOWAS suspended the country’s membership after a general was sworn in as transitional president following this week’s military coup.

With the rate at which ECOWAS is suspending members, it may likely shrink to just 3 members in the next 5 years from previous 15 countries

ppogba:
They are the closest next of kin.
I remember being attended to by a woman who had a bad night with her husband and also man-handled by a Danfo conductor on her way to the office the day I was in their office.

pansophist:
They probably treated him wrong.

Most families are dysfunctional. Most families have not been to a therapist, and make effort to purge out unhealthy patterns.

It’s very difficult for a person to cut off with their biological families, and men typically do that when they create their own family.

Lots of dysfunction in families are revealed during adulthood, since the parents will take the backseat and the children will continue from there.

How the siblings will relate with each other especially with the differences in financial status, educational level, life challenges and past resentment will depend on the love they have for each other.


Since the siblings are adults with agency, they will iron out their past resentment which might lead to a permanent breakdown of the relationship.

In many cases, it is parents that are the glue to sibling relationships. Without a present parent, most siblings ain’t fan of each other.

And the more successful a sibling is, the more likely he would be the target of the others who ain’t successful, hence, a pressing need for the successful one to just cut off.

This is probably what’s going on here.

Gbam!!!

folake4u:
With due respect to your age, would you advice your own son to experience prostitutes before he learns how to court a lady?

Given the option between masturbation and prostitutes, Prostitute is a lesser evil even though both are bad.

ZUBY77:
Na you get time to reply that thing.
Always promoting disaster.
If you want to cheat as a woman, stay in your papa house.

Exactly.
No one says you should not cheat or sleep around, just pay your own DAMN bills by staying alone.
People hardly care abot Ladies who stay alone and bring different men home since they pay their own bills but people will start talking and angry if you are under a man hustling and you are sleeping around.
SO you have enough time to bang yet not enough time to hustle and assist your man/home.....that is a very very lazy woman.
Most people don't know the gravity of women's action until that action is been done by a man, then all of a sudden they will all find their voices and start throwing insults up and down.
Let's reverse it -
What will be the thread's reaction if a woman opens a thread claiming to have been feeding the jobless man/husband and family, gives the man her monthly salary that they plan how to spend it, the man drives the car she bought and even use it to carry other women home when she is not around.
The whole nairaland will catch fire....insults and more insults and curses on the man and men in general

pansophist:
I stumble on the article by businessDay,

https://businessday.ng/life-arts/article/from-n200000-to-n2-3bn-how-amoke-oge-cooked-her-way-to-the-top/

basically it is about a restaurant that I visits sometimes in Lagos. This lady sells amala and other local foods and she has grossed over 2.3 billion naira naira on Chowdeck delivery platform. Not million o, but BILLIONSSSS>

Another one mentioned in the article is KoredeSpaghetti in Yaba. He also grossed billon naira sales. BILLIONS

Mind you, these figures are only transactions carried out on delivery platform, and does not include walk-in customers. Now lets that figure sink in for a moment.

Their success story was from grass to grace. Started with borrowed funds, and was patience enough to grow it and hard work and consistency. Success stories like this can be seen in different area from fashion to poultry, farming etc.

When you see figures like these, it becomes clear that some folks are lazy. They rather beg than throw off shame and ego to go hustle.

So if you say your brother is in his 30's with no skills and nothing, then can you really feel sorry for him?

Panso, i once had this mentality but as time goes on and i observe and experience more, i have been a little bit soft with myself, my brothers and life in general.
There will always be outliers in every society and they are not the norm.
There will always be occassional grace to grace stories but this won't be the norm for the general society.
We have to agree that some if not most people just want to graduate and earn a decent living and not be millionaires and billionaires.
They just want to earn enough to have a car, a decent apartment, some savings, occasional vacation once a while and that's all.
Moreover, the african enviromental condition and climate is too rigid, traditional and homono-directional - it is eaither you are a graduate and earning meagre salary or you are illitrate doing business mostly in the market.
It is not a robust enviroment where most people can feed and live with their skills or passion e.g swimming, football, wrestling, boxing, car race/formula-1, javelin etc
We all don't have to go to school to earn nor know a politician to get a job. It is too stiffening. Reason why i have been very soft on my brothers lately.
What are most japa people doing differently from those at home? Nothing, absolutely nothing - cleaners, maids, bumbum cleaners etc yet come home to live a decent life - build duplex, drive good cars and go on vacations etc

emmanuelewumi:
You pay at least the interest every quarter, United Capital is semi annual

Okay, i think i prefer the ucap own

SonofElElyonRet:
Wow. 27% per annum interest. You na strong man o.
Think current Ellah shareholders would've preferred discounted price via rights issue which Chuka Mordi refused to accede to.. you shareholders at Presco got rights issue

@ bolded...why are you scared of 27%?
In real sense, you are not paying back 27% because your collateral which is your invested capital is still giving you an average interest of 15-16% per annum. It is not as if your invested capital is not working for you.
So minus 16 from 27 leaves you with 11% loan interest per year. I don't know where you can get a cheaper loan in Nigeria than this except Cooperative society which i am in but the loan and repayment is very rigid - paying back monthly, need a guarantor among cooperators etc
If you reduce the loan you are collecting to 50% of your capital with them, you are literarily getting a loan with zero interest.

emmanuelewumi:
I don't think the insiders will buy the offer, most of the current shareholders are not buying, but are waiting for the standby investors.

My Presco right is over N20 million, I have money for part of the right and had to get a loan of N8 million for the balance.

Yet to see a shareholder of Ellah who got a loan to buy the public offer

Is FDH margin loans quarterly payment ? unlike ucap that is 6 months?

KingDashx:
Naso my guy see him babe for xvideos.. baba dey cry like person wey dem sentence to sokoto maximum prison lol

Anytime we dey with am I go just dey play the video for am 🤣🤣

nosa2:
How rich a community is determines how economically relevant the members of that community are. I saw somewhere that more people were killed in Sudan in one week of that war than were killed in the entire Gaza war, but because the people of Sudan are economically irrelevant in the world there was no outrage.

America doesn't give a hoot about christian lives in Nigeria. They are thinking long term and they realise that it is better to kill this crisis now rather than watch Northern Nigeria turn to another Afghanistan. If Boko Haram were blowing up oil pipelines trust me Nigeria would have found a solution since. But as things stand right now a bunch of poor people are killing another bunch of poor people.

I totally agree with you.
All men are not born equal.
There are those who when they die, kings/presidents would come and guard cross their swords of honour while moving the corpse and there are those who when they die, would be buried in shallow graves like dead goats.

pansophist:
.

It is not about de-marketing, but about infrastructures, safety, ease of travel, visa restrictions, security, tourist attractions, low corruptions, value for money etc.

For example last year, I flew from Stockholm (Sweden) to Marrakesh (Morocco) for 50 dollars return ticket with Ryanair. The direct flight was over 5 hours one way. Now can you fly from Lagos to Abuja which is about an hour for 50 dollars?

For about 30 usd a night, i stayed in a very modern apartment in the heart of Marrakesh, and a fine dining cost even less than you get in Lagos Island. That is why Europeans and westerners troop in daily.

When Nigeria ditch corruption and makes the country liveable, people will come.

And this is my headache with africa.

How can a continent be so poor yet so expensive.
A one-way flight from lagos to luanda is nothing less than $500 for a 2 and half hour flight and to & fro is $1,000.
The same morocco you booked for $50 from sweden for 5 hours flight is the same i booked to go and watch african cup of nation and direct flight is around same time but i paid $1,200 to and fro.
So tell me how tourism will flourish when logistic within the continent is damn expensive.
I love traveling alot, i love vacation and holiday but i can hardly afford it despite earning well because it is damn expensive and doesn't make much sense doing it.
It is far easier to spend $200 on vacation - flight, hotel and other activities than spending over $1,000 on it.
Even your conscience won't let you rest that despite all the family members around you suffering, projects to do like building, na this kind money you dey go waste for holidaying

Gerrard59:
Thank you for that insight, which is very interesting and an eye-opener. We learn daily.

Fascinating stuff! Walai! I pray for long life o. I would publish papers like mad!!!!!!

franvincoop:
My guy you get energy ooo, e dey like na ogbono soup and eba u chop dis evening.
If u like argue from now till Jonathan return to Aso Rock, kobo no go gree, na she be Lt. Yerima for "those" other women.

merits:
lol...... menopause is about to sign MOU with this one.

Chaii... You have a bad mouth.
Signing memorandum of understanding with menopause

Jman06:
Igbo parents have really failed in this generation and that is why all these shameful things are happening in our tribe. Parents now watch as their daughters grow old in their houses and sometimes they do this for their selfish interests, especially if the daughter is doing well financially. Mothers for instance are failing in instilling marriage consciousness in their daughters. It's all about money, money and money! No values! No morals!

Am I the only one who feels ashamed that all these ladies having and wishing to have children out of wedlock are Igbos? That represents a failure in cultural values and our people must rise to the challenge and nip such disgraceful practice in the buds.

Funny enough, Igbo men are the most hustling men in Nigeria who will do anything to feed their wives and make them happy.
Even if they themselves are not dressing well, always in the market doing business while wife is at home with the kids having the best - cars in the compound, nice building, good money in the bank, wife and kids dressing well and looking beautiful YET it seems Igbo ladies are the most rebellious and ungrateful among the ladies in Nigeria.
It is an irony because you would have thought ladies from other section of the country would be far worse when they compare the little their own men are doing for them to the Igbo men

Gerrard59:
From the screenshot, it is clear that the girl does not like him, which is okay. Also, it is highly likely they just met and decided to kick off with a date. This is why I prefer to establish a clear and natural platonic relationship before doing all these Ndi fancy restaurant dates. I have taken ladies to such settings, but I did it for two reasons:

- to know her better as a person
- having someone to talk with.

Afterwards, I don't pester for romance or anything related. Another important factor is to always eat at/visit the chosen restaurant before taking a random woman there. I first spoil myself before spoiling another person. Please yourself first before anyone else. Abi dem forbid men to go on solo dates at expensive restaurants?

BabsO2:
PRESCO is overpriced. I cannot even trade my rights. Those that want it can pick up PRESCO and Ellah RI & PO.

Though i picked up my Presco right but how can i trade my rights?

nosa2:
This na why I no like to dey too argue for internet. Given the context of the conversation take a wild guess a to which metric I would have quoted.

I am not arguing with you bro rather learning.

Locotrader:
It is a time for Xmas bull.
Don't miss out.
Beware of Maradonna's of Nsempa.

Harddiskng:
He is right though. For example you can’t compare 9% of 100 billion to 7% of 100 million, they are worlds apart. Even the number you quoted i won’t call it progress. Why? Imagine in 2015 you owned a shop with goods worth 100k, 2016 you are now worth 107k, 2017 - 115k, 2018 - 122k. Would you think you are making progress?

You say “ Anyway Nation building takes decades and centuries so there is no rush”. Omo this is not the case for Nigeria. My great grand ma told my grand ma, that she doesn’t think Nigeria would get better that she (grand ma) should leave for UK. Then she was working in civil service, had a house, a car that was madt for that era. Now she says she is glad she listened. How many youths with jobs that can get them a proper monthly saving talk less of a house or a car?

Even my elders tell me, “I feel for your generation”. You people don’t have the opportunities we had. One of my elderly landlord bought the land for massive house with grant money he received from his employer almost immediately after graduation.

Nigeria need next 5 years no nonsense urgent plan type thing. Nigeria is like a 25 old man still in primary 4 and we are saying well at least he still in school.

PuristForest:
There are many 'lazy' countries that dont work half as hard but have all the required infrastructure plus enough to care for elderly and others ...i dont think its all about work....quality education and people doing the right things matter alot .

Exactly, especially the middle eastern countries - Saudi, UAE, Qatar, Kuwait etc

nosa2:
Between 1990 and 2010 China achieved an average annual growth rate of 9%. Between 2000 and 2015 Nigeria achieved an average annual growth rate of 7%.

We were on the path but there were two events that caused us to derail; first was stopping the government from removing fuel subsidy in 2012 and then the 2015 elections.

If we had gotten these events right then we would have been on the path but alas. Anyway Nation building takes decades and centuries so there is no rush

Annual growth rate with which metric? gdp or population growth rate?

LordAdam16:
gerrard59, how many times have you read this exact bukum with different verbiage over the years?
i have lost count.
zero originality. dude renditioned all the greatest "china bad" hits.
down to the "i KnOw sOmEoNe iN a NaTiOn of 1.3 bIlLiOn PeOpLe" that said something that confirms my bias.

🤣😂😄
truly amazing

-Lord

You can see how the guy quickly sneaked in the "if you are given the option of choosing between US visa and Russia/China visa, which one will you pick" narrative.
They can't even hide their hate for China.
There is always one reason or the other why china is bad and the west is good.

JESHAL007:
Beta

JESHAL007:
Scarcity

JESHAL007:
Simp

Sunrisepebble:
They had their nine months result presentation two weeks ago or so

Okay, thanks

ositadima1:
Market Fragility Model - Simple Explanation

Think of market fragility like checking if a bridge is about to collapse. You don't wait for it to fall, you look for warning signs like cracks, rust, and stress points.

The Big Idea

This model gives the stock market a "health score" from 0-100:
- 0-20: Healthy and strong
- 50+: Getting shaky
- 80+: Danger zone - small problems could cause big crashes

The 5 Warning Signs We Check

1. Liquidity Collapse (40% weight)
Simple idea: Is money drying up in the market?

How it works: Compare how much trading happened in the last month vs. the previous 6 months.

Example:
- Last 6 months: #100 billion traded per month
- Last month: Only #50 billion traded
- Red flag! Money is leaving the market

Why it matters: When liquidity dries up, prices can crash suddenly because there aren't enough buyers.

---

2. Concentration Risk (20% weight)
Simple idea: Are too few stocks dominating all the trading?

How it works: Check if the top 5 stocks account for most of the market's trading volume.

Example:
- Market has 100 stocks
- But MTN, Dangote, and 3 others account for 80% of all trading
- Red flag! Market is too concentrated

Why it matters: If something bad happens to those few big stocks, the entire market suffers.

---

3. Price-Volume Divergence (20% weight)
Simple idea: Prices going up but trading volume going down? Suspicious!

How it works: Compare stock price changes vs. trading volume changes.

Example:
- Stock price up 20% in 2 months
- But trading volume down 30%
- Red flag! Price increase isn't backed by real demand

Why it matters: Price rises without volume support are "fake rallies" that easily reverse.

---

4. Breadth Collapse (12% weight)
Simple idea: Are most stocks going down while only a few go up?

How it works: Count how many stocks are rising vs. falling, weighted by their trading activity.

Example:
- 80 out of 100 stocks are falling
- Only 20 are rising
- Red flag! Market rally is narrow and weak

Why it matters: Healthy markets have most stocks participating. If only a few carry the market, it's fragile.

---

5. Turnover Volatility Shock (8% weight)
Simple idea: Is trading becoming unpredictable and erratic?

How it works: Compare recent trading volume swings to historical patterns.

Example:
- Normally, daily turnover varies by ±#5 billion
- Recently, it swings by ±#30 billion
- Red flag! Panic buying/selling patterns emerging

Why it matters: Wild swings in trading activity signal nervous, unstable markets.

---

Bonus: Volatility Regime
Simple idea: Are price swings getting bigger?

How it works: Compare recent price volatility to long-term averages.

Example:
- Stocks normally move ±2% per day
- Recently moving ±5% per day
- Red flag! Market is getting jittery

Note: This is tracked for information but doesn't affect the main score.

---

Real-World Analogy

Imagine you run a fish market:

1. Liquidity: Fewer customers showing up to buy fish → **market dying**

2. Concentration: Only 3 out of 50 stalls getting all the customers → **unhealthy**

3. Divergence: Fish prices rising but nobody's buying → **artificial prices**

4. Breadth: Only lobster selling well, everything else rotting → **narrow market**

5. Turnover Volatility: Some days empty, some days mob rushes → **unstable**

If you see all 5 problems at once, your market is about to collapse!
---

How the Score is Calculated

Each component gets a 0-1 value:
- 0 = healthy
- 1 = maximum fragility

Then we multiply by weights and add them up:

```
Score = (Liquidity × 40%) + (Concentration × 20%) + (Divergence × 20%) +
(Breadth × 12%) + (Turnover Vol × 8%)
```

Then multiply by 100 to get 0-100 scale.

---

Why These Weights?

For Nigerian/emerging markets:
- Liquidity (40%): Biggest risk - thin markets can freeze up quickly
- Concentration (20%): Few stocks dominate these markets
- Divergence (20%): Price manipulation more common in emerging markets
- Breadth (12%): Important but secondary
- Turnover Vol (8%): Least critical but still informative

---

What To Do With the Score

0-35: Relax, market is stable
35-50: Pay attention, some cracks appearing
50-65: Be cautious, reduce risk exposure
65-80: Warning! Prepare for volatility
80-100: Danger! High chance of sharp drops

---

The Key Insight

Markets don't crash randomly. They show stress signals first. This model catches those signals before the crash happens, like a smoke detector before the fire.

Nice one Osita, nice one.
Leanrt alot from this

Kipaji:
Brutal but true. Besides the millionaires and the billionaires of the world there plenty of men who worked just as hard, just as smart, and even more, without reaching financial success.
And the frustrations from these failures despite years of hard work and doing all the "right" and "smart" things to succeed is amplified by society that'll tell you that you are poor because you didn't work hard enough, because you didn't work smart, or because you were lazy.
The life of a man is a life full of frustrations. It's all about mitigating and canalizing these frustrations.

So so so true and that is why i so much respect a certain verse in the Bible
Ecclesiastes 9:11 and it reads thus
"I have seen something else under the sun: The race is not to the swift or the battle to the strong, nor does food come to the wise or wealth to the brilliant or favor to the learned; but time and chance happen to them all"

GovernmentAgent:
Lamentations everywhere!

I started warning you people since 2024 that this cycle's bull run will be somehow due to the insane quantity of useless and nonsensical coins around but you refused to listen because Ilegendd was using his bojuboju charts and graphs to bamboozle you.

The only thing that can rescue the market now is if there is a serious inflow of fresh money from different sources.

Unfortunately right now most people are not even injecting new funds into the market therefore expect things to go from bad to worse.

I advised you to scale down your expectation from Mercedes GLK to Nigerian used Toyota Corolla; right now Toyota Corolla is not even possible so please further scale down your expectations again to Keke Napeb!

Jesuuuuuuuuuuu Christiiiii Omo Olohun
Oluwa ooooooo!!!!!!!!!
From Mercedes 4matic to Keke Napep ...... this is not crashing, this is Tsunami mass suicide

Kipaji:
What does "cover your side" mean?

It means watch out for yourself in a relationship and don't get carried away with the euphoria of lovey-dovey.
Don't forget to constantly invest in yourself nor lose the long term goal of earning a decent income and be able to pay your bills within your level.
A man in a position of option/abundance will be able to negotiate better in a relationship and have low tolerance for bullshits nor dramas becuase if shit hits the fan, he can easily and quietly replace his woman without any brouhaha and life simply moves on as if nothing happens.
Many men fall in these areas.
So, i ask you - Bros Kipaji, you don cover your side
Because as i dey so, i don cover my side oo