₦airaland Forum

I beg 2 differ.
Your statement is invalid when subjected to an objective reasoning of Logic, which is a valid criteria for evaluating an argument.
You do not hate Yoruba
You hate Tinubu
Tinubu is a Yoruba man
Therefore, you invariably hate Yoruba until proven otherwise.

In as much as I'm not a politician nor a supporter of Tifnubu, I condemned this pastor declaration. He might even kick the bucket before Tifnubu.
There used to be one Augustine Agunloye, he was interviewed by Gbenga Asabe, he declared that Tifnubu would die before 2022, alas he was no more. He died a useless death. Tifnubu is still alive.
This was the same way people were expecting Buhari to die, the man keeps waxing stronger in the presence of his enemies.
On this note, I declared by the power and authority of heaven, Tinubu shall not die, he shall lives to fulfil his lifetime ambition and destiny.
The prophesy of this prophet of doom is cancelled by the word of God.

Hi,
An anonymous person will like to support you with a token. Keep the hussling real, you will surely breakthrough in little or no time.
Make your bitcoin wallet address available if you have one.

The Op might be an innocent bystander (aka black catcher).
He might have been brainwashed and innocently considered a scam as a possible legitimate venture.
On this note, I urge you to forgive this innocent teenager who thought he could helped others to become rich while neglecting his immediate family and friends..

Shared with me via a telegram group.

WHAT TO DO AT THE PEAK OF UNCERTAINTY

Firstly, it goes without saying that diversification between different shares is of utmost importance. Don’t put your hope on just a handful of shares.

While investors should be prepared for additional volatility, history does seem to suggest that share declines associated with geopolitical fears are generally temporary setbacks and a potential opportunity to buy at discounted prices, especially if one has a long-term view.

Do not just sell and ask questions later. Selling can stop short-term pain but cause major long-term damage. Selling in uncertain geopolitical events monetises losses. Market corrections are usually your best opportunity to invest for the future.

Stay focused on your personal investment goals and strategy and remove the emotions from your decision making. Emotional reactions remain the main enemy to long-term wealth creation.

Trying to time the market can cost you dearly. Do not sell and think you are going to wait for the war to be over and for markets to be safer. In most circumstances, the market will bounce back, and you have to buy back at higher levels. As Warren Buffet said: “It’s time in the market, not timing the market”. Most of the best days also happen after the worst days. This occurrence also usually happens in the middle of a crisis which makes it even harder to predict. The Nasdaq, for example, increased by 3.6% on March 9 2022 in the midst of the war.

Make sure your provision for income or any form of short-term needs is in place. Share investments are for the longer term.
It is the macro-economic picture and even more pertinently the prospects for company profit that tends to determine what happens to the market over the medium to longer-term, not wars or geopolitical events.

@ Veteran Pa Elder Emma,
I humbly request for the fixed income fund that pays 12.5% per annum.
(Eurobond excluded)
Thanks in advance as you enjoy today's Valentine with your family �

ukay2:
am just thinking how a person with such a portfolio over the years wont have enough financial knowledge on how to re-balance his portfolio and plan ahead.....my thoughts only....

your so-called brother should visit reputable financial institutions like UCAP, Stanbic IBTC etc for guidiance.
The fee they will collect is their professional investment advice as a professional body

Its very risky seeking such advice on a public forum like this as advised already...my 1kobo advice...


....all the very best for you and your brother....

Thanks for your contributions.
Like I mentioned, I introduced my brother to stock investment, he hasn't lost any money yet. He just wanted to rebalance his portfolio. He invests with the hope of being able to comfortably pays for his 3 kids, age 7, 5 and 3 years University education.
I have being a fan of blue chip stocks from my high school days, hence I follow my objective.
In years of fluctuations, I averaged down while my brother was just investing blindly with the hope of securing his kids University education.
I'm not scared of being duped coz noone can dupe me for real.
Any expert in portfolio re- construction is welcome.
There would be no sharing of personal information.

robobo:
Pa Emma is a very knowledgeable, veteran and trustworthy member of this thread and forum in general, so this is not about Pa Emma, but i would implore you to be very wary of other wolves / people out there that can jump on this your info and do u damage. the info is too much for a public forum and you might want to edit / delete some (if the info are true anyway)

My candid advice is to walk into any reputable stockbroking/ financial firm (we have a lot of them like UCAP / Meristem / Investment One / FBN Merchant/ Stanbic IBTC e.t.c) to seek a solution to your challenges which they would do justifiably and at reasonable charges

n.b i dont work nor am i associated (other than as a customer) to any of the firms mentioned.
Selah

Thanks for your concern.
I repeat, I'm very careful and highly sensitive to release my personal information and that of my brother to any1.
For your doubt, you can see the attached screenshots of my brother portfolio.(only 4 pages could be posted)
I'm here to seek the elderly advise of people of timbres and calibers like Pa Emma et al.
For whoever is knowledgeable in portfolio construction will only get the equities portfolio with no name and personal information.
On the other hand, I keyed into your suggestion of seeking brokerage firms opinion.
The only reason my brother detests their opinion is due to their unreasonable recommendations.
My brother mentioned that he was always following the recommendations of Meristem and Afrinvest from 2017 to 2019.
Most time they tell u to buy, the stock crashes in price, when they tell you to sell, the stock begin to appreciate.
This platform has been a guide to my personal stocks portfolio.
We weren't communicating at the time he was buying most of the stocks coz of individuals differences and sundry issues.
We only re-established communication in Nov 2021. That was when he told me about his portfolio and investment objective of investing for his kids University education.
@ Pa Emma, I just introduced him to NSEMPA today.
I used to be a guest on this platform for years but only registered recently.
I already told him Pa Emma suggestion and he is also reading it as I'm typing this response.
He keyed into investing N1m yearly in fixed income funds, since he can afford it.
He still insists on a neutral expert who can reconstruct this portfolio without sharing of personal informations.

emmanuelewumi:
No big deal, just replicate what you did with your portfolio for your brother. He needs to sell some of the dead stocks in his portfolio and reduce the stocks to about 30.

He should have two Stockbroking accounts, one will be for long term Investment this should be worth about 70% of his portfolio, the other account should be for trading.


What is the current dividend generated by his portfolio? He should endeavour to invest part of his dividends in fixed income funds.


What will he do if the market is very bearish when his children are about to be admitted to the University, will he sell in a down market?

Reason why he needs funds that won't be affected by the market conditions.



If I may ask, what is the current dividend produced by your portfolio? if it it less than N12 million you need to rebalance your portfolio for a better yield

@pa elder Emma,
Many thanks for your feedback and suggestions, I'm currently with my brother, we worked up his dividends in 2021 financial year, total dividends earned was N3,433,221. Compared with my portfolio that earned N9,770,127.55k, as at November 2021, my portfolio was N96.7M, I made additional investments in Dangote cement and MTNN from December 2021 to February 2022.
The issue at hand now is that he does not want to rebalance at a loss and buying blue chip stocks at the current exorbitant prices.
He agreed to reduce the portfolio to maximum of 30 equities.
Also agreed to retain the stocks that mirror my portfolio, while disposing 43 that are the worst of the 73 stocks in his portfolio.
Also plan to invests all dividends of year 2022 in a fixed income assets.
He is seeking the expertise of a professional who can rebalance his portfolio at a cost.
Please if you know any1, kindly share your email on this platform for further discussion.
I do not have the knowledge to rebalance my brother portfolio, kind of giving me headache.
I recommend a professional stock guru/investor to do the task. Pls if you are available, you are needed.
Brokerage statement and current cscs statement will be made available

Assets rebalancing is a difficult task.
I was given a difficult task by my younger brother whom I introduced to the then NSE in 2015. He has been buying stocks as if he was buiding an index fund.
I advised him to trim the 73 stocks in his portfolio to 15 or 20 manageable assets that can stand the test of stock fluctuations.
I'm seeking the opinions of learned members to help a brother that requested for one.
Personally, I have 16 stocks in my portfolio that worth N104M, they are;
MTNN
NESTLE
AIRTEL
DANGOTE CEMENT
DANGOTE SUGAR
GUINNESS
UCAP
FBNH
ACESS BANK
ZENITH BANK
GTCO
UBA
BUA CEMENT
MOBIL(11 PLC)
TOTAL ENERGY
NCR
plus RT BRISCOE acquired in Dec 2021
From 2009 till date, I have invested N43M, including dividends.
my objective is to become a billionaire by year 2030 through stock investments, on the other hand, my brother got the following 73 stocks in his portfolio that worth N31.8M, He invested about N23M from 2015 till date His investment objective is for his children University education.
Below are the equities in his portfolio:
ACESS BANK 80,000
AFRICA PRUDENTIAL 30,000
AIICO INSURANCE 2,000,000
AIRTEL AFRICA PLC 1000
AT & T GLOBAL INFO 50,000
AXAMansard Insur 210,175
BUA CEMENT COMPANY 5,0000
C & I LEASING PLC 25,000
CAP PLC 10,000
CAVERTON OFFSHORE 1 000,000
CHAMPION BREWERIES 500,875
CHAMS PLC 2,755,300
COMPUTER WAREHOUSE GROUP PLC 545,156
CONOIL PLC 50,000
CORONATION INSURANCE PLC 700,250
COURTVILLE INVESTMENTS PLC 506,00100
CUSTODIAN INVESTMENT PLC 50,0000
CUTIX PLC 150,000
DANGOTE CEMENT 5,000
DANGOTE SUGAR 25,000
DEAP CAPITAL MANAG 1,500,000
E-TRANZACT INTERNATIONAL 50,000
ECOBANK TRANSNATIONAL 45,000
ELLAH LAKES 20,000
ETERNA PLC 10,000
FBN HOLDINGS PLC 50,000
FCMB GROUP PLC 80,000
FIDELITY BANK PLC11,000
FIDSON HEALTHCARE PLC 20,000
FLOUR MILLS PLC15,000
FORTE OIL PLC 5,000
FTN COCOA PROCESS 310,000
GLAXO SMITHKLINE CONSUMER 50,000
GLOBAL SPECTRUM ENERGY 100,000
GUARANTY TRUST 10,000
GUINNESS NIGERIA 10,000
HONEYWELL FLOUR 59,000
IKEJA HOTEL PLC 50,000
INDUSTRIAL & MEDI GASES 50,000
NTERNATIONAL BREWRIES 289,204
JAIZ BANK PLC 260,000
LAFARGE AFRICA PLC 15,000
LIVESTOCK FEEDS 50,000
MAY & BAKER NIGERIA PLC 60,0000
MORISON INDUSTRIES PLC 50,000
MTN NIGERIA COMMUNICATIONS 10,000
MULTIVERSE MINING AND 3,000, 000
MEYER 1,000,000
NATIONAL AVIATION HAND 50,000
NESTLE FOODS PLC 500
NIGERIAN BREWERIES PLC 50,000
NIGERIAN EXCHANGE GROUP 60,000
NORTHERN NIGERIA FLOUR M 50,000
OANDO PLC50,000
PRESCO PLC 5,000
RED STAR EXPRESS PLC 50,000
SEPLAT PETROLEUM DEV 5,000
STANBIC IBTC HOLDINGS 50,000
STERLING BANK PLC150,000
THE OKOMU OIL PALM 5,000
TRANSCORP HOTELS PLC100,000 TRANSNATIONAL CORPOR 600,000
U A C NIGERIA PLC 50,000
UNILEVER NIGERIA PLC 55,000
UNION BANK OF NIGERIA 12,000
UNION DICON SALT 18,500
UNITED BANK FOR AFRICA 25,000
UNITED CAPITAL PLC 52,000
UNITY BANK PLC 392,152
UPDC PLC 250,000
UPDC REAL ESTATE INVEST TRUST 200 000
VITAFOAM NIGERIA PLC 20,000
ZENITH BANK PLC 78,083
My brother plans to rebalance the above assets. I'm seeking the opinion of learned members in reducing the portfolio above to maximum of 20 assets.
Thanks in advance as I await your responses.

I reserved comment.
But the teacher must join his or her ancestors

@Locodemy, I see your fingers.
You single handedly push NCR to N3.30, still bullish and trading northward.
You are helping my NGX mission, keep it up. Where Locodemy follows, money follow.
I join the money followers crew, not by fundamental and technical analyses but by taking risk, following @ Locodemy and money.

yMcy56:
So what's the rumour Oga mi? Maybe I can believe.
.....because simplywall does not have sufficient data sometimes to base their judgement on..

If the fair value of RTbriscoe in huge debt was said to be 5.68, then JAPAUL should at least double that price nah.

For me, except there's insider news driving the share price, RT is a no go area as far as im concerned.

Simply wall uses quantitative analysis, which utilises two things to calculate the fair value of a listed company. The current share price and the profitability of the company declared in their published financial statements. This method ignored the liability and predict the probability of future profitability.
The profitability could or might not occurred.
This is the best method for risk takers.
I personally wouldn't be surprised if RTB delivers 500% profit by December 2022 or remains stagnant at 0.20k for more years.
The bottom line is that RTB is back to profitability as published in the 2021 financial year result.

yMcy56:
What valuation model was used in arriving at 5.68 fair value??
Let's be factual, RTbriscoe's financial is still nothing to bank on.......EXCEPT if there's another good news that might be driving the share price, which insider may be privy to.

The other time, I also saw ridiculous fair value for Fidson (N346.25) and GSK (N221.40), .......just brushed past it.

Below is RTbriscoe's Q3 2021 with -87% loss after tax...

Sometimes, in Stock investment, it is not about the valuation model, rather, it is all about risk vs benefit. A risk taker should not be discouraged in venturing into penny stocks.
You are free to brush past unrealistic valuation s.
You brush past when Champion Breweries was lifeless.
When Guiness was a no go area,
When UCAP was unattractive
When FBN holding was detested by investors
When Meyers, Morison, and Academy appeared toxic and untouchable.
The good things is that no single member here determine the market.
Mr Market will decide the fate of risk takers in respect of RT Briscoe.

locodemy:
Well analysed but this was how those stocks that delivered 200% started.For the past 5 yrs, this stock has not produced a result like this.I think it is an improved result despite the huge debts.Their creditors may have converted the debts to equity.Who knows?
We will get clearer picture from the coming Q1 result.For me, this stock is suppose to touch 50kobo and may trade above #1 before 2022 ends.I think more good results are coming in the subsequent quarters @ Rtbriscoe.It has done almost 40% in one week.We watch

@Locodemy,I agreed that the latest RTB result was their best in recent years, however it is impossible for a quoted company to convert debt to equity without shareholders knowledge.
RTB is gradually returning to profitability, expert analysis shows that the company is undervalued at current share price.
A worthy risk for both medium and long-term investment horizon.

Lindalilian:
I just don't know where to start from, I've used infection drug as prescribed and given by the pharmacy I patronised.

It started out as a spot, it was seriously itching and spreading, I took the drugs I can't remember I think it's sivofloxacin or sivoflocin, in infection drug.

After a while it was asive it was begining to dry, but the scars are still there. Just yesterday it started to itch me again, and now rapidly spreading it comes red, after itching it turns black and then spread to other side.

Has anyone experienced this ?? How did you tackle it, do I need to go herbal or just go to hospital, please what is the name.

Please I need more response on this, thanks.

When you patronised a pharmacist, this is the result you get. You need to see a dermatologisty ASAP. Screen for HIV, and exclude skin tuberculosis.

OBAGADAFFI:
I feel NGX is still underpriced @ current price

But AIRTELAFRI @ 1,342.40

I think the dual listing and weakling Naira contributes to the good news surrounding Airtel Africa. Google recently announced $1b investment in Airtel Africa.

OBAGADAFFI:
What is driving up AIRTELAFRI

Rather ask what is driving up NGX?

Agbalowomeri:
ASI first breakout in 13 years
Expect a very long-term bull
A retest of 45k lies ahead though

Eyin ara adugbo, se e ti gbo wipe Agbalowomeri is back to NSEMPA?
@Agbalowomeri.
Longest time!
Welcome back from investment exile.
Bull returned, Agbalowomeri resurfaced.
There is hope oooooo

A joke from my friend, fellow NSEMPA member and NGX investor, "If you don't have at least 50,000 units, each of Fidson and GSK, then you are not yet a bargain hunter". �

This is called an evil pattern.
Your daddy must have flogged your mummy,
Same goes for your wife beater husband, his father must have flogged his mummy mercilessly.
For a solution, you need to see a clinical psychologist for debriefing.
No short cut,you need to be debriefed.

Read this and put Buhari and his cabals to shame.

https://www.jamiiforums.com/threads/seven-7-reasons-why-degree-holders-are-poor.1890382/
SEVEN (7) REASONS WHY DEGREE HOLDERS ARE POOR?

BASICALLY, there are seven reasons why degree holders are poor.

1. THEY DON’T THINK BEYOND THEIR CERTIFICATES
Albert Einstein said, “Education is not the learning of facts, but the training of the mind to think.” Have you ever heard creativity term “Think outside the box”? One of the major reasons why most graduates are poor is simply because they can’t see and think beyond their certificates.

I have seen engineering students work as bankers. I have seen medical doctors with great skills in web and graphic designs. I have seen lawyers that are very dexterous with finances. The list is endless!

The basic truth of life is that the skills that are needed to be much sought after and become more successful in life are not really found within the walls of the classrooms. Your certificate is just a proof that you are teachable, it does not suggest what you are totally capable of doing. You are full of possibilities when you think beyond your degrees and certificates.

2. THEY PRIORITIZE THEIR CERTIFICATES MORE THAN THEIR GIFTS AND TALENTS
I have often advised some of my colleagues, never to leave their gifts dormant while pursuing and hunting for jobs with their certificates. There must be a complementary balance in the pursuit of your passion and in the search for jobs.

Everybody is gifted for something, but the winning edge comes from our ability to work on our gifts and bless the world with it. The very best way to develop yourself is in the direction of your natural talents and interest. In order to live a fulfilled and impactful life, we need to work harder on our gift than our job. We need to discover our gift, develop it, and sell it. Don’t bury your TALENT with your certificates.

3. THEIR CERTIFICATES PREPARE THEM FOR A WORLD THAT NO LONGER EXIST
It has been found that most of the skills taught in schools are becoming obsolete in the present world. The world has changed a lot, and so are people’s need! It is imperative to know that the present form of university education does not prepare students for the future.

Graduates are becoming endangered species in the face of a changing world. Our archaic methods and approaches of learning are preparing graduates for a world that no longer exist, as we are churning out degree holders every year with certificates that have face value but no intrinsic worth. Most learning institutions are filled up with lecturers and pseudo-educators with lecture notes, methods and approaches that have lost relevance in a changing world.

4. THEY KNOW LESS ABOUT THEMSELVES BUT MORE ABOUT THINGS
Certificates and degrees don’t reveal people to themselves; they at most measure our IQ (Intelligent Quotient). I have often tell people that there is no Recovery without Discovery. A poor man is simply someone that has not discovered himself.

The more you discover yourself, the more you realize the treasures that are hidden deep within you. We carry inside ourselves latent treasures that can only be unveiled through self-discovery.

5. CERTIFICATES AND DEGREES CAN KILL INITIATIVES
Degrees and certificates can close up your minds to ideas while initiatives open it up. If you are not careful, your degrees and certificates can close up your mind. The purpose of education is to keep your mind perpetually opened towards limitless possibilities!

Fred Smith saw an opportunity for overnight delivery of anything anywhere in the USA, and ultra- fast delivery anywhere in the world, FedEx was born. It will be interesting to know that Fred Smith got a grade “C” in a Yale economics class for an idea that the professor belittled as unworkable.

Fred Smith’s company became the first American business to make over ten billion dollars in annual profit. Beginning with just 186 packages delivered the first night, FedEx now delivers in over two hundred countries using over 6,030 aircraft, 46,000 vehicles and 141,000 employees.

6. DEGREES AND CERTIFICATES POSITION YOU TO LOOK FOR JOBS AND NOT FOR OPPORTUNITIES
Our certificates and degrees prepare graduates to look for jobs and not open our eyes to life-changing opportunities. You are not poor because you don’t have a job; you are poor because you are not seeing and seizing opportunities.

Being POOR is simply Passing Over Opportunities Repeatedly! What keeps people ahead in life is not their education or degrees, it is simply the opportunity that they seized. Jobs may be scarce but not opportunities.

As long as there is a problem to be solved, there will always be opportunities. It is a waste of our education, exposure, and experiences if after we graduate from school, all we think about is searching for a job. An enlightened and educated mind should be able to see and seize opportunities.

7. CERTIFICATES AND DEGREES PREPARE PEOPLE TO LOOK FOR SECURITY AND NOT TO TAKE RISKS
We must be willing to make mistakes and take breakthrough risks. Taking risks and learning from mistakes help us in knowing what works and what does not! When Thomas Edison was being questioned by a mischievous journalist on how he felt for having failed for 999 times before getting the idea of the light bulb, his response stunned the whole world when he confidently said, “I have not failed 999 times, I have only learned 999 ways of how not to make a light bulb”.

Many graduates and degree holders are becoming progressively poor because the skills required in the modern world to get rich are not taught in schools and institutions.

By 2025, we’ll lose over five million jobs to automation. This means that future jobs will look vastly different by the time many people graduate from the university.

Future jobs will involve KNOWLEDGE PRODUCTION/CREATION and innovation, and people that are only equipped with skills found in the classroom will definitely be a misfit in an ever-changing world. Skills like critical thinking, creativity, people’s skill, STEM skills (e.g Coding), complex problem-solving skills etc. are central to living a more comprehensive and productive life.

8 THEREFORE, in conclusion, My humble and candid advice to graduates and students in institutions is to think wide, deep and outside the box. Take volunteer jobs, and don’t be afraid to navigate fields that are different from your field of learning. Your future career will require you to pull information from many different fields to come up with creative solutions to future problems.
Start by reading as much as you can about anything and everything that interests you. Once you get to college, consider double majoring or minoring in completely different fields. Trust me, it’ll pay off in the long run.

Don’t limit yourself to the classroom. Do something practical. Take a leadership position. Start a business and fail; that’s a better entrepreneurship. Contest an election and lose. It will teach you something political science will not teach you. Attend a seminar. Read books outside the scope of your course.

Think less of becoming an excellent student, but think more of becoming an excellent person. Don’t make the classroom your world, but make the world your classroom. Step forward and try something extra.
Invest in something you believe! Real financial security and freedom is not in your job, but in your passion, gifts, talents, and your ability to see and seize opportunities.

emmasoft:
It's simple. If you already have a stock/cscs account with a stockbroker, send them a mandate of the quantity you wish to buy or you can do that on the stockbroker online trading platform and buy yourself.

Otherwise you can click the link on my signature to open a stock/cscs account with Investment one stockbrokers for free and you will be able to buy Seplat, Airtel or any stock on the NGX

Always remember to mention in your post that your company charges brokerage commission of 1.35%+, this will serve as CAVEAT to potential investors to think twice before venturing into investment One.

Your brother is one of the best hunters in Nigeria.
Reading about his expedition is a thing of joy.
I just woke up now and realized that I haven't checked your latest post about your brother pre-xmas hunting. No disappointment, you already posted the picture of the big Xmas antelope.
I hope he will get a buffalo or an elephant for his new year catch
Tell your brother that we love him.
Critics are not aware that hunting is profession.
God has given us the right over all animals to eat as meat.
Merry Xmas to your families.
A big gbosa x 7 for your brother.

mohims:
Law is of moses. Quote a verse where Jesus talked about it. People like you are one of the problem of the world. I pray for you to receive sense

Amen

Anakazo22:
Tithing is not old testament. Abraham paid tithe and he was not under the mosaic law. Tithing is a spiritual law and it has nothing to do with Grace or law . Don't be deceive.

Stop deceiving others, simply coz u ve been brainwashed and doctrinated. There are many religiouses that do not preach nor pay tithes, still yet, they receive blessing from God.
The essence of human being is to worship and glorify God.
Tithe is an earthly bribe for the GOs. They invoke fear into you, making u to part with your money.
God is the creator of heaven and earth. He dwelleth in heaven, watching over the affair of mankind.
Giving generously to others is not a sin. It opens way.
Tithe is a compulsion, forceful, burdensome obligation imposed on Christians by gullible men of God, Who uses such money for materials and flamboyant things of life.

Yes, it's your life. If you like, destroy or build it.
You lodged a asshole for 2 weeks in a hotel when your parents are suffering in the village.
You have no landed property, yet u spent 2 weeks with a asshole.
Indeed, it has been mentioned in the past that unsuccessful men run after women ,while women run after successful men.
Build your life and career first and see the daughters of eve dashing themselves to you.
Declare it over with her and concentrate on your vision, mission, goals and objectives of your life and career.

Moslems do not pay tithes, yes they are created by God.
No tithing in Buddhism, yes they are created by God.
The chinese are majority Buddhists, they do not tithe, nor were they ever threatened with hell fire.
The concept of tithing was an agreement between the nation of Israel and Yahweh.
The modern churches were founded on the gospel of prosperity or nothing else.
The wickedness of many GOs is 2nd to none.
God had not requested for a tithe from us, rather he expected us to help the poor ,the less privileges among us.
This was the essence of Christianity.
If you like give all your earnings to GOs because you are being blackmail that you will go to hell as a result of non tithing.
God gave us brain so that we might think.
He gave us knowledge, so that we might know.
He gave us wisdom, so that we would not be scammed by modern day GOs who are more interested in your money rather than the salvation of your soul.

currentprice:
d stock may be one of the the cheapest stock on exchange i was referring to last time cos i see many will not buy with d believe that it overvalued stock few of my ogas here will jump on it when they apply their metric to open the cover on d stock but surprice they haven't mention it yet

the funny thing be say it yet to shed a single tear since bear enter mkt ^{hope the stock time time to shed will come soon so as to be more attractive}

igi ewedu oni wo pawa o

The stock you are talking about is not liquid.
Trading at market value of 1.02 with fair value of N34. With no debt in sight , potential future growth and possibility of special dividend declaration in 2023....
The culprit is CWG Plc.
No other entity fit more into this speculation than CWG