₦airaland Forum

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

Cum4me:
you just give this OP the whole truth only if he can understand. Na Money be real man

But most men won't be rich no matter how they hustle.
Never have we had men in large percentage have money nor will it happen now nor in the future.
Rather, a low entry basic minimum requirement should be used.
In a world were there is mass failure financially, you don't use the highest cut off mark to screen out intending student rather, the bar should be moved lower to the minimum entry

pansophist:
You are 25, your experience is normal. The pendulum swings favourably to you as you grow older, only on the condition that you did not give up on yourself.

You need to know that you are not on the same timeline with a woman your age. You will fail to date most, and it is normal. There are more virgin men your age than virgin women.

You have to bear it, that is the only way. You will only end up alone if you just whine about your life. But from your 30's upwards, you will have access to new generation of women. It is turn by turn. Right now, your seniors are with the women of your generation

This place you are is very lonely, I know. Every man if they will be vulnerable will tell you that they pass through it to some extent, but you will think your situation is abnormal if you do not understand these dynamics.

I will repeat. Do not give up on yourself. Keep working hard to improve your social and material conditions, it is your redemption.

And what of millions of guys that won't make any headway into their 30's? despite the efforts they put in due to harsh location they meet themselves.
I see my brother in this quagmire and he finds himself in his early 30's unprepared - Not certificated, no business nor skill, not a hustler, no girlfriend, no money, Nothing

Stop the masturbation pls. I prefer the prostitute option to masturbation.
With prostitute, with time you will start developing to interact, negotiate with ladies and generally become better. Masturbation keeps you away from ladies.

WriteerNg:
⚡The US has told NATO allies it will pressure Zelensky to sign a US-Russia peace deal within days, warning that Ukraine will face a far worse agreement later if it refuses.

WriteerNg:
⚡Fox: Ukraine will have to give up land that they have not lost in war.

Trump: They will lose it.

Fox: The whole Donbas?

Trump: They are losing land.

He knows they will lose it sooner or later if the war continues

JESHAL007:
Women don't marry based on lust and your ability to satisfy them in bed, they consider your resources and what you can provide, and they will keep swinging, at any time, to the better financial option available to them. This is hypergamy. Hypergamy is innate, it only cares about now and it doesn't sleep.

That is why i always laugh guys boasting about their sexual prowess.
If you like, knack your girl from Gwagalada to Mile 2, if you don't cover your side, the average woman will disgrace you.
All the days of your life, you will be insecured - where is your woman going, who is calling her, why hasn't she come back from market etc
Cover your side bro

JESHAL007:
When it comes to committed relationships, particularly courtship and marriage, a woman will choose the best financial option available to her. It doesn't matter if he is a beta, alpha, redpillers or simp. All that matters is financial stability, her comfort and survival, which all boils down to your resources. You ability to satisfy her lust doesn't count as it cannot buy bread. If you are a redpiller with a great sexual appeal and a masculine frame made of adamatium or vibranium, the woman you are discussing marriage with will overlook you and pick the man that has more resources than you even if he the most pathetic simp and he is so unattractive and disgusting. She will pick him even if she has to share him with other women.

I totally agree with you.
That is why i am of the opinion that men must work and earn a decent income to increase their barganing option in the dating market.
Learn the TRP but pls, don't ignore your financial life. You don't need to be rich, just be able to pay your bills and live in a decent place. All other things will fall into place.

goran3310:
The question is completely correct and normal.
Why would answering such a question be a problem for a God-fearing, quality woman?

Men value only three things in women:

1. Youth


2. Beauty


3. Virginity



Those are the ornaments a woman carries.

When a woman starts talking about money—not in the sense of security for the family, herself, her husband, and their children, but in the sense of wanting wealth—then there is no more talk of love or caring for the family.

A woman will always see money as security, especially because of her offspring, and that is normal.
But expecting and demanding that a man must have a lot of money—that is not something God-fearing good women do, but the opposite.

I totally agree with you

Streetinvestor2:
Sometimes thr is no grave.It is vultures that eat the remains.So grave can still be comfort place.The government is the worst in history of my life

Street ehnn... You too get bad mouth

nosa2:
You are spot on. If you have been in this market since 2015 you have probably lost money in dollar terms even though your Naira numbers will make you think you made a lot. I totally abandoned Naira assets in 2014/2015 and I only returned this year.

With regards to the Nigerian Bull market, we are still in the long term bull market. The index needs to touch 280k-300k for us to get back to 2015 levels. I strongly believe we will get there and surpass it but it will take a couple of years. This is why to me all these dips are irrelevant, because when you look at the macro economic situation you will see mostly upside.

I am investing in Nigeria because I truly believe that for the next couple of decades this is market will strongly outperform most stock markets

We don carry mat come sit down gidigba.
We die here.
What farm did you do at Gboko? Animal husbandry or crop farming? Was it profitable?

jonnysessy:
Access has not dropped this low. If it had, i will buy more. He that is down needs fear no fall.

Lol
He that is down, if care is not taken can even go deeper into the grave, God forbid.

GeeKudi:
People generally don't dismiss fake news that fit into their biases.

Probably Anchor Bias or Confirmation Bias or Framing Bias

ositadima1:
I think there may be a problem with this. Since they mentioned the ASI, it likely means the individual stock P/Es are first collapsed into one number by weighting them by market capitalization and then applying the 5-year moving average.

This means a few giant companies, often called SWOOTs (Stocks Worth Over One Trillion), end up controlling the vast majority of the index’s movement. The chart is useful for a macro view of the economy’s largest players, but it’s a poor tool for picking individual stocks.

A 1% move in Dangote Cement matters more than a 20% move in a smaller company.

Sure. It is a top-down approach.
The lower you go - into sectors and industries, the more you evaluate and adjust the metrics

OsunOriginal:
This is what happens when corruption meets incompetence

🤦🤔