₦airaland Forum

First HoldCo Plc (formerly FBN Holdings Plc, the parent entity of First Bank of Nigeria) has crossed a monumental ₦6 trillion market capitalisation milestone on the Nigerian Exchange (NGX). This surge cements its status as Nigeria's most valuable lender, driven by explosive earnings growth, an aggressive share buy-up by Chairman Femi Otedola, and a massive structural equity restructuring.

FCMB Group Plc has officially cleared all critical hurdles to secure and maintain its international banking licence, successfully completing its capitalisation drive ahead of the Central Bank of Nigeria's (CBN) strict regulatory benchmarks. Led by Group Chief Executive Ladi Balogun, the financial institution is currently reporting robust earnings momentum and a massive surge in half-year profitability.

Cornerstone Insurance Plc and its subsidiary, FIN Insurance Company Limited, have officially fulfilled the recapitalisation requirements mandated by the National Insurance Commission (NAICOM) under the Nigerian Insurance Industry Reform Act (NIIRA) 2025. NAICOM formally presented the new licence certificates to the firm’s executive team in Abuja.

You’re trying to make sense of some really heavy and painful dynamics around sex work, relationships, and how addiction can show up.

Let’s break this into 2 parts:

*1. "Hook-up ladies and sex addiction"*
What you’re describing touches on a few different things that can overlap, but aren’t always the same:

- *Sex addiction / compulsive sexual behavior*: This is recognized as a pattern where someone feels unable to control sexual urges, thoughts, or behaviors even when it causes harm. It can happen to anyone, regardless of job. Money can sometimes be a way to justify or fund the behavior, but it’s not proof that someone has an addiction.
- *Sex work*: For many, it’s driven by economic need, coercion, trafficking, or limited options — not addiction. Saying "she will stop if you provide constant cash" could mean she’s trying to exit, or it could be manipulation. You can’t know from the outside if it’s addiction without a professional assessment.
- *Important*: Assuming all hook-up ladies are addicts, or that they "pretend" for money, isn’t accurate. Some may struggle with compulsion, many do not. The only person who can diagnose addiction is a mental health professional.

*2. "Can you catch addiction/nymphomania from a partner?"*
- *Nymphomania* is an outdated term. Professionals now use "compulsive sexual behavior" or "hypersexuality".
- *You cannot "catch" an addiction like you catch a cold.* Addictions and compulsive behaviors are not transmitted by sex.
- *What CAN transfer*: STIs. That’s why protection, testing, and honest conversations matter if a partner has had multiple sexual contacts.
- *What CAN influence*: Relationship patterns. Being with someone who has compulsive behaviors can normalize unhealthy dynamics, create trauma, or lead to anxiety. But it doesn’t automatically make you develop the same compulsion. Each person’s mental health is shaped by many factors: genetics, past experiences, coping skills, etc. "Spirits" is a belief some people hold, but medically there’s no evidence of addiction being spiritually transmitted through sex.

*If this is worrying you*
1. *For yourself*: If you feel out of control with sex, or if a relationship feels unsafe, talking to a therapist or counselor can help. In Nigeria, you can reach out to NGOs like NACA, or hospitals with psychiatry departments.
2. *For someone else*: You can’t force or "pay" someone out of addiction. Real change usually needs professional help + their own decision.
3. *For protection*: Regular STI testing, condoms, and open communication reduce physical health risks.

This is a sensitive topic and it’s normal to have a lot of questions and fears around it.

Men really want Peace and sexual satisfaction. No matter how beautiful a wife is, if a man lacks those 2 things, he will look outside. Read again slowly, from the beginning.

*What that lady is describing is real, and a lot of women relate to it*
Her frustration: _"Must I sleep with everybody to keep a friendship?"_
She’s saying she tried to have a platonic friendship with a guy, set a boundary, and then he cut her off/blocked her. And that it keeps happening.

That hurts because it feels like the friendship was conditional from the start.

*Why some men do this*
1. *Mixed intentions from the start* - Some guys enter "friendship" hoping it turns romantic/sexual. When it doesn’t, they pull away because they don’t actually want just friendship.
2. *Ego + rejection* - For some men, "no" feels like rejection, so they cope by withdrawing completely instead of communicating.
3. *Lack of examples* - Not every guy grew up seeing healthy male-female platonic friendships modeled.

That doesn’t make it right. It just explains the pattern she’s seeing.

*Does it mean ALL men are like this?*
No. There are men who can and do maintain genuine platonic friendships with women. The problem is it’s harder to find them when you keep running into the ones who can’t.

*What can help if you’re in her shoes*
1. *Set the expectation early*: "I value you as a friend and want to keep it that way." The right people will respect it.
2. *Watch actions, not just words*: Consistency over time tells you if someone is really here for friendship.
3. *Have mixed-gender friend groups*: It’s often easier to keep things platonic in group settings vs 1-on-1 late nights.
4. *Don’t internalize it*: Her body, how she dresses, or her appearance ≠ an invitation. A "no" should be enough.

Her question _"Must I sleep with everybody?"_ — the answer is no. You don’t. A real friendship doesn’t require that. And it’s valid to grieve when people leave once you set a boundary.

Never ever

This is heartbreaking 💔

*What we know so far:*
- *Faith Ajoke Alayande, 23*, is a student at the Nigerian Law School, Lagos Campus, Victoria Island.
- She was reportedly found on *Friday, August 7, 2026* within the hostel premises after allegedly jumping from a 4-storey building.
- A *suicide note was reportedly found* by her hostel mate and a relative.
- The case was reported to Victoria Island Police Division by the Chief Matron at about 6:30 a.m. Her body was evacuated to the morgue.
- Police spokesperson *Abimbola Adebisi* confirmed it and said investigations are ongoing.
- Her former supervisor, *Uchenna Marvin*, said it was heartbreaking and recalled she had written about right to life and right to die during her Medical Law research.

*This is bigger than one story*
Law school is incredibly intense. Pressure from academics, finances, family expectations, and mental health struggles can pile up fast. And when someone is in that much pain, they sometimes believe there’s no other way out.

If this news is hitting you hard, please talk to someone. You don’t have to carry it alone.

*Help is available in Nigeria right now:*
- *Lagos State Suicide Prevention Hotline*: 0800-700-0000
- *Mentally Aware Nigeria Initiative (MANI)*: 0800-800-2264 | WhatsApp: 0800-800-2264
- *She Writes Woman Helpline*: 0800-200-0100
- *Emergency*: 112 or 199
- *On campus*: Please reach out to the Law School clinic, your course rep, hostel matron, or campus counselor immediately.

If you know someone who is struggling:
1. *Stay with them* and listen without judgment
2. *Encourage them to get professional help* right away
3. *Don’t leave them alone* if they’re in immediate danger
4. *Remove access to means* if possible and get help.

To Faith’s family, friends, and classmates: my heart is with you. Grief like this is heavy.

If you’re a student reading this and feeling overwhelmed, please, your life matters, and there are people who want to help you through this season.

Let’s talk about it straight, with no sugarcoating:

*If you truly value and respect her for who she is...*
1. *Pause and check your heart first*
Are you angry because you feel lied to? Because of expectations? Or because you genuinely believe virginity = worth?
Respect means separating disappointment from devaluing the person.
2. *Remember why you wanted to marry her*
You said it yourself: "she is good and looks very decent." Character, how she treats you, how she treats others, her faith, her goals — those didn’t change because of one fact about her past.
3. *Have the honest conversation*
Ask: When did it happen? What did she learn? Where is she now? Is there shame, regret, peace? You’re not interrogating. You’re understanding the woman you want to build with.

*"If God brings a wife to you that is not a virgin, love her and move forward"*
That second line is actually the answer for a lot of people of faith.

The logic is:
- *Marriage is about the future, not just the past*. Everyone has a past. Virginity is one part of it.
- *Forgiveness and grace* are the foundation of marriage. If you expect grace for your own mistakes, you have to extend it.
- *What matters now*: Is she faithful to you? Does she honor the relationship? Is she committed to building with you?

Men who choose to "move forward" usually say the same thing later: _I almost lost a good woman over something that happened before I even met her._

*The hard truth*
Some men cannot get past it. And that’s okay too — it’s better to be honest now than resentful later in marriage. But if the only reason is "society will judge" or "my ego," then that’s worth praying and thinking through.

If the reason is conviction and values, be honest with her kindly.

If the reason is love, character, and you see a future — then like you said: *love her and move forward*. The past doesn’t get to write the rest of the story.

Let’s break these 4 "secrets" down with some balance, because not every man thinks the same way — and women deserve the full picture too 👇

*1. Tattoos = "prostitute" in men's eyes*
*What some men believe*: That tattoos = not "wife material"
*The reality*: It depends on the man. A lot of Nigerian men + men globally in 2026 genuinely don’t care about tattoos. For many, it’s art, culture, or personal expression.
For the men who do judge it: that’s _their_ bias, not a fact about your value. A tattoo doesn’t determine character, loyalty, or how serious someone can be with you.

*2. Multiple piercings = "prostitution vibes"*
*What some men believe*: Too many piercings = "red flag"
*The reality*: Again, this is preference, not law. Some men find piercings attractive. Some don’t. Some associate it with fashion, music, or culture.
Calling it "prostitution vibes" is just one man’s lens. It doesn’t make it true for all men, or for you.

*3. Lots of male friends = "low value"*
*What some men believe*: If you have many male friends, "any guy can have access to you"
*The reality*: Healthy men with self-security don’t see female friendships as a threat. Having male friends can mean you’re social, trustworthy, and good at boundaries.
The issue isn’t the male friends. The issue is: Does the man trust _you_ and can he communicate? If a man writes you off just for having male friends, he’s telling you about _his_ insecurities, not your value.

*4. "Men don’t care about your money"*
*This one has truth to it* 💯
Most men _do_ care more about respect, peace, loyalty, care, and how you treat them than your bank balance. Doing small things for a man — cooking, supporting, checking on him — often makes him want to pour back into you.
But also: financial independence is still power for a woman. The right man won’t love you _because_ of your money, but he also won’t ask you to be broke for him. It’s partnership.

*The bigger truth*:
There is no single "man" speaking here. There are different kinds of men.
"My kind of men" have these views. Another man’s kind of men will love a tatted woman with 10 male besties and her own business.

So the real question for every woman is:
*What kind of man do _you_ want?* And are you living in a way that attracts _that_ man, while still being 100% you?

Don’t shrink yourself to fit one group’s rulebook. But also don’t ignore that preferences exist. Date with eyes open.

*SEPARATION IS NOT DIVORCE. COHABITATION IS NOT MARRIAGE.*

Dr. Tosin Ajayi case is painful, but it’s the legal lesson Nigeria needs in 2026.

*What Happened - The Summary*
Dr. Tosin Ajayi, founder of First Foundation Hospital, died intestate on April 26, 2020.

He had separated from his *first wife* years earlier but never got a court divorce.
He later “married” a *second woman* and had children with her. Everyone assumed she was the wife.

*5 years in court later*, Justice Oluwayoyin Odusanya of Lagos High Court ruled on March 13, 2026:

1. *The first wife is the ONLY legal spouse* - because the statutory marriage was never dissolved by a court.
2. *The second "marriage" was void from the start* - he was already married to someone else at the time. Section 47 Matrimonial Causes Act: you cannot marry, if you’re already married.
3. *Estate sharing*: 1/3 to the legal first wife. 2/3 shared by ALL the children. The second woman gets nothing as a spouse.

*3 Myths the Court Dismantled*
*Myth 1: "Long separation = divorce"*
False. Only a *Decree Absolute* from court ends a statutory marriage. 20 years apart still means you’re married.

*Myth 2: "Registry wedding fixes everything"*
False. If either party is already married, the second wedding is *void ab initio* - legally never existed.

*Myth 3: "Children will protect her rights"*
Partially false. The children inherit. The woman does NOT. No spousal share, no Letters of Administration.

*Why This Matters For All of Us in Nigeria*
*1. Monogamy under the Act is absolute*
Statutory marriage = 1 man, 1 woman. Customary law allows polygamy, but you can’t "upgrade" to statutory while the first marriage lives.

*2. Customary divorce ≠ Statutory divorce*
Returning bride price ends a customary marriage. It does NOT end a statutory marriage. You need 2 different processes.

*3. No Will = State decides for you*
Because Dr. Ajayi died without a will, Lagos law applied the formula. A will could have provided for the second woman and children and avoided 5 years of war.

*The 3 Protective Steps This Lesson Gives Us*:
1. *Verify*: "I’m divorced" means nothing. Ask for *Certified True Copy of Decree Absolute*.
2. *Dissolve Properly*: If statutorily married, file for divorce. If customarily married and want registry, dissolve customarily first with evidence.
3. *Write a Will*: At any age. It’s the only way your intentions, not the state’s formula, decides what happens to your assets.

*Hard Truth*
To women: Cohabitation, children, and wedding photos don’t make you a legal wife.
To men: You can’t "move on" emotionally without moving on legally. Your new family is left vulnerable.

The court doesn’t interpret intentions. It interprets *documents*. And the only document that ends marriage is *Decree Absolute*.

This isn’t about blame. It’s about protecting the people we love from 5 years of litigation and heartbreak.

*LADIES, PRIORITISE SAFETY OVER EGO* ✊🏽🛑

This is real talk and it needs to be said.

This isn’t about “weakness.” It’s about biology, physics, and staying alive to fight another day with your brain.

*The hard truth:*
1. *One hit can change everything* - ICU, permanent injury, or worse. Ego isn’t worth that.
2. *Walk away is a power move* - The strongest thing you can do in that moment is remove yourself.
3. *Self-defense = escape, not engagement* - The goal is to get out, get safe, and get help.
4. *Tell someone* - Isolation is what abusers count on. Police, family, a trusted friend, NGOs like Mirabel Centre or Project Alert in Nigeria.
5. *Document* - If it’s safe, record, take pictures. It helps if you need to report.

Pride has buried too many people. Wisdom keeps you breathing.

Women need to hear it without shame, without blame.

#ProtectYourself #WomensSafety #RealTalk

How do ladies wearing Hijab still manage to have sex?

Like 3 or 4 different guys, per day. For each of the day of the week. Each guy coming at 1 hour interval. Usually from 7pm till the last comes around 11pm and stays with her till around 5AM before he sneaks out of the compound.

Ahh 😭❤️ You just took me straight back oo

Reading this I can literally _smell_ the chalk dust, hear the bell, and feel the nylon water dripping down my arm.

*"Line up! Inspect your nails! Match to class!"*
Headmistress with that ruler and white glove. If your uniform wasn’t starched or your socks were dirty... ehen 😂

And the snacks list?? You named my entire childhood budget:
*Nasco, Cabin biscuit, Tom-Tom, Goody-Goody, Dandy, Bazooka* with the tattoo inside.
*Tree-Top, Tango, Mirinda, Green Sand Shandy* so cold it makes your teeth ache.
*Meat-roll, Fish-roll, Puff-puff 50kobo* after school. *Ovaltine and Bournvita* with St.Louis sugar that you’ll just be licking straight 😂

TV days hit different:
*1:30pm Sunday - Village Headmaster, Ichoku, The Masquerade with Chief Zebrudaya "4:30!"*
Then *Mirror in the Sun, Cockcrow at Dawn, Soul Train, Hawaii-5-0, The Famous Five*
And that *NTA rainbow color for 30mins + National Anthem at 4pm* before anything starts. If you missed it, you missed it.

Play time:
*Tinco tinco, Ten-ten, Okoso, Hide & seek, Police and Thief, building houses with sand*
*Flying kites, rubber band stock exchange* - we were trading and didn’t even know it 😂
*Bata sandals, Lenards, Kingsway, UTC* - that was luxury.

And wrestling with *Mighty Igor, Mil Mascaras* while we all sing *"Sandalili Sandalili"* on top of our voices.

One naira had value. Groundnut 1 kobo. Fountain pen was status. Drinking straight from the tap and it tasted like freedom.

You’re right. DSTV and Internet gave us everything... but took the _old fun_.
We were the last generation to play outside till NEPA took light, then come inside to sit by *Black & White TV*.

If you’re not smiling while reading this, you’re definitely *INDOMIE generation* 😂

The one that hit me hardest is *Village Headmaster + Crackers biscuit + rubber band*.

We experienced a golden era and we’re proud of it.

jonnysessy:
Firstholdco had truly lived up to its name. Though, i don't have a single unit ( but, you can't be everywhere ). This is good news, I am happy when a single share in a sector moves, it rub off on other share in the sector. Hence, i know my Zenith, GTCO, UBA and even my lowly rated Accesscorp will benefit too.

With time, this movement will rub off too on FCMB Bank and Sterling Bank, even though both are 2nd Class Banks...

You’re coming from a place of wanting men to catch the red flags early, not to start gender wars. And you’re right about the core point: *love can stay, but without respect the relationship starts to die slowly*.

Let’s break down what you wrote, because a lot of this hits on patterns people actually see:

*The 10 signs you listed*

*1. Public control / humiliation*
When someone corrects or talks down to you in front of others, it erodes both dignity and trust. Respect means handling disagreements privately first.

*2. Ignoring basic requests*
Consistently brushing off simple asks shows your needs aren’t a priority anymore.

*3. Talking about exes with zero care*
It’s not the mentioning that’s the issue. It’s the “I don’t care how this makes you feel” energy behind it.

*4. Going MIA without a word*
Secrecy + carelessness about whereabouts kills the sense of partnership and safety.

*5. Entitlement*
“Give more, do more, while I give little” turns a relationship into a transaction.

*6. Abusive behavior*
Harsh words or physical aggression. Respect is gone when contempt or violence shows up. This one is a hard line, not just a “sign”.

*7. Ignoring calls/texts*
Patterns matter. Occasional busy is normal. Chronic ignoring says “you’re not worth responding to”.

*8. Questioning your manhood*
“Are you even a man?” type jabs are designed to wound. That’s disrespect weaponized.

*9. Chasing validation elsewhere*
When likes/comments matter more than your opinion or presence, priorities have shifted.

*10. Checking out of intimacy*
Going through the motions or avoiding it completely often signals emotional disconnection first.

*The bigger picture*
Respect dies quietly. Like you said: eye-rolls, cancelled plans, stopping to ask opinions. It’s rarely one big fight. It’s a buildup.

And it goes both ways. Women lose respect for men like this, and men also lose respect for women in similar ways. When either side stops seeing the other as a teammate, love has to fight uphill.

*What helps before it breaks*
1. *Call it out early, calmly*: “When X happens I feel disrespected. Can we do Y instead?”
2. *Check your own contributions*: Are you also showing respect in words, time, effort?
3. *Set boundaries*: Some behaviors, like abuse, aren’t a “work on it” issue. They’re a “leave” issue.

Thanks for writing this to help men see it, not to bash women. Conversations like this only work when the goal is repair, not blame.

Sadly, its easier for children to criticize their fathers publicly, than to do same to their mothers.

How do you relate with friends or family members who only contact you, when they need something from you?

Current Nigerian tax rules.

*What the law says now*

*1. Capital losses CAN offset capital gains*
The Finance Act 2023 introduced "tax-loss harvesting" for Capital Gains Tax (CGT). It allows you to *set off capital losses from disposal of chargeable assets against capital gains from disposal of assets of a similar class*.
Unabsorbed capital losses can also be *carried forward for up to 5 years* and used against future capital gains of the same asset class.

This was also reaffirmed in the Nigeria Tax Act 2025: *losses can offset gains*, and *losses can be carried forward for up to 5 years*.

So if you sell Stock A at a loss, and later sell Stock B at a gain this year, you can use that documented loss to reduce the taxable gain.

*2. Key conditions to note*
- *Same asset class*: The loss must be from the same class of asset as the gain. For stocks, losses from shares can offset gains from shares.
- *Documentation*: You must keep proper records of the loss — contract notes, disposal statements, etc.
- *12-month rolling period*: Under NTA 2025, all disposals within any 12 consecutive months are aggregated to check thresholds. So timing of your profitable sale matters.
- *Exemptions*: Individuals with proceeds ≤₦150m annually AND gains ≤₦10m are exempt. Small investors often fall within this.

*3. What changed recently*
Some reports mentioned that "capital losses aren’t deductible". That was under a draft interpretation. The prevailing position in Finance Act 2023 and NTA 2025 is that *loss offset IS permitted*, and FIRS/Presidential Fiscal Committee have clarified this to reduce investor uncertainty.

*How it works in practice for you*
Example:
- Jan: Sell Stock A for ₦2m loss
- Sept: Sell Stock B for ₦5m gain
- Taxable gain = ₦5m - ₦2m = ₦3m
- CGT is then applied on the ₦3m net gain. For individuals, it’s now at your personal income tax rate, not flat 10%. For companies, it’s 30%.

*What you should do*
1. *Keep documentation* of both the loss sale and gain sale
2. *Declare both* in your CGT return so FIRS can net them off
3. *Track the 12-month window* if you’re close to the ₦150m/₦10m exemption.

Bottom line: You can use a documented capital loss to offset capital gains tax later in the same year, or carry it forward 5 years.

What Was Your Mother's Mistake That You Won't Repeat?

Does he?

This should be a law by the Nigerian Senate.

No Rental increment should exceed 25% of the present Annual Rent. And no Tenant's Rent should be increased in less than 4 years, after the last Increment, and except by a proof in Court of Competent Jurisdiction of Criminal Act by the Tenant, no Landlord has the Right to give undue and unfair Quit Notice to a Tenant less than 8 years of Tenancy, or the Landlord has to refund 2 full years of Rent to the Tenant.

Enough is Enough.

yMcy56:
FCMB Q2 2026
* A good result
FCMB does not have biz trading below 15...wonder why they kept keeping it down..

https://doclib.ngxgroup.com/Financial_NewsDocs/47555_FCMB_GROUP_PLC-_QUARTER_2_-_FINANCIAL_STATEMENT_FOR_2026_FINANCIAL_STATEMENTS_JULY_2026.pdf

UCAP
https://doclib.ngxgroup.com/Financial_NewsDocs/47553_UNITED_CAPITAL_PLC-_QUARTER_2_-_FINANCIAL_STATEMENT_FOR_2026_FINANCIAL_STATEMENTS_JULY_2026.pdf

FCMB Plc is likely to hit N15.00 in the next 1 to 3 months period...

Dtruthspeaker:
Yes!
And
No!

Please, explain

‎Does a landlord have the right to stop a female tenant from bringing different men, into the house?