₦airaland Forum

Lazyyouth4u:
To be very honest and if you read my comments, you will notice that I only reciprocate the vileness to the riff raffs that think they can use insults to shut me up because I am going against some of their so called gurus that they believe are always right and can never be wrong.

As an investment professional, I always do my DD na and digging through old posts to know the background of the individuals is how I do this here . If it was not allowed, NL would have prohibited that feature. And honestly anyone that has nothing to hide shouldn’t fear that.

Sadly, when I dig through i find out that most of the people here are fake, audio liars with ulterior motives.

Thank you for the digging.

Lazyyouth4u:
If you think it through, you will understand. But because it is lazyyouth, you refuse to because of the bias against the person.

Do you know the magic you can do by successfully marketing an illiquid stock on a public forum full of people with cash looking for where to put it? You are seriously underestimating the number of people that read these investment threads.

If they decide to go and buy the illiquid stocks, demand will push up the price and a market is created for people trying to sell on the exchange. It doesn’t have to be a direct sale.

Ps: it is called illiquid for a reason. Sellers find it very difficult to sell the shares on the exchange until buyers show up.

God bless you

;

Lazyyouth4u:
The very rich one in that same Australia. The one that your father trained. The one with two big warehouses and landed properties in Lagos.

What about your Aunty in the USA?

If these close family members can’t help you with their statements, why do you think it is strangers on an anonymous forum that will send you their account statements in this day and age?

Mind you, many of us here are audio big men and women o. We are very wealthy on NL but we drink garri with guguru and epa in our ‘face me i face you’ while enjoying melodious sounds from those wicked mosquitoes inside heat for darkness at night. Some of us dey abroad dey collect government benefits but come on NL to pose as rich while some of us dey sell fake products to yahoo boys just to survive.

My sister, many of us audio rich people here are like you trying very hard to check out from this country o but we do it ‘codedly’. This poverty na everywhere e dey

if I catch you eh

NL1960:
Away match was played while serving the country through the NYSC scheme.

Lazyyouth4u:
Speculators are rubbing their hands with excitement waiting for you guys to leave NSE so they can buy some good stocks at dirt cheap prices, and then cash out when they sell back to una at high prices when una return to NSE when Tbill rates fall again. Don’t we just love this game?

Wicked lazyyouth

Lazyyouth4u:
For those people that don’t understand why billionaires with lots of money still go to take loans from banks, let me show a basic example of how OPM works. You can thank me later

Case A : Business man has a project of USD40m. Instead of carrying out the entire project with his own money, he goes to the bank to borrow USD30M and then puts only USD10M of his own money. The project succeeds and earns USD100M profit. He pays back USD40m (USD30m principal plus USD10m interest). The remaining USD60m is his profit. So he basically makes 6x his money back (6 multiplied by the USD10m invested). Neat profit. If business fails, he only loses USD10m.

Case B : Business man puts all the capital of USD40m and takes nothing from the bank. Project succeeds and earns same USD100m. He has no loans to pay. The entire USD100m profit is his. But wait a minute. He only makes 2.5x his money back (2.5 multiplied by the USD40m invested). Neat profit but less gain on money invested. If project fails, he loses the entire USD40m and possibly goes bankrupt

Lesson learned about OPM: most big business men would rather put the least money required to enhance profit and minimize their risk. Nobody will risk their entire net worth in business when they can use Other People’s Money to minimize risk and make higher profits on the money they invest.

So the project is used as collateral right?

Lazyyouth4u:
Lockdown only in Lagos, Abuja and Ogun States? Are you being serious Anyway, no comment

Forgive the guy

emmanuelewumi:
Interest income of over N400 billion

So they paid 9.89% tax?

Brainbox0806:
You always want to make some invalid points just to be noticed eventhough your common sense says otherwise. Having read some of your posts, you sure suffer from low self esteem and inferiority complex. kudos to a man that will wife you and tolerate your exceses. You sound like a bitter feminis.t. Who goes about digging people profiles just to score some cheap points? A lazy one, you so suit your name, try add trouble maker , low life to your moniker because you are one. Don't bother quoting me, won't respond just go sort your attitude problems. Google these words, it will help you: PERSONALITY DISORDERS, PARANOID SCHIZOID AND SCHIZOTYPAL DISORDERS

War is on the way.

Fight wan start again o. Don’t know why people don’t have the kind of control I have; just ignoring will do the trick.

lavylilly:
How?
If you have paying tenants who work in banks, audit firms, or multinationals he would get his profit in less than 5 yrs

Are you into rental properties
Experience Dey say is the best teacher.

ahiboilandgas:
am not a fan of rental property sha especially the once that have been over priced or has slow growth potential...or the once built for profit already... I luv developing area with growth rate above fixed income rate....200 percent on 5 years type ...so if it was me i will fix the 17m on a fgn bond at 12 to generate 2m yearly and pay the rent of 600k to the Landlord...i will also keep 1m yearly to equate the potential increase in the value of the property so when am exiting Lagos in 2031 I will have 10m +17m=27m liquid the propety will not move to 27m by 2031....zero headaches

You didn’t factor the rent increment for 10yrs

emmanuelewumi:
In elementary science we were taught the state of matter.

They can be in gaseous form, liquid form and solid form.

Money in your pocket or ATM linked bank account are in gaseous form, money in fixed deposit, Treasury Bill, business and money market are in liquid form, money that are well invested in income generating assets or Investments are in solid form.


Gases evaporates easily, when liquid reaches it boiling point it can also turn to gases or vapour.

It is important to know how to allocate money into the various states, that is gaseous forms, liquid forms and solid forms

Who is typing with oga Emma phone should return it ooo.

emmanuelewumi:
That is a tough one ooo, although we don't have relevant statistics in Nigeria.

98% of bank customers have less than N500,000 in their bank accounts, I guess they invested their money and left the minimum balance.

Playing devil's advocate

This stat, was it based on BVN?
Because people have their money scattered oo...incase of “monkey born two, one die comot “.

Lazyyouth4u:
If the young chap puts that 20m in some mutual funds/bonds, he can get 7 to 10% income of 1.4m to 2m which can buy him one better small car

By the way, why the new moniker?

I thought as much, because I know that signature.

emmanuelewumi:
Purely for risk management, income from different sources is better than income from one source


I will rather have 10 tenants who pay 500k per annum, than just a tenant that pays N6 million per annum.

A couple whose combined income is N10 million per annum, is better than a family that has a sole provider that makes N12 million per annum

I like your rental-analytic skills, same strategy I apply. E better say out of ten tenants of 500k, five disappoint than have only one tenant of 6mill and he disappoints once.

SteveOfu:
As he cash out we too go cash out. There is a Telsa Telegram group

So who everybody wan dump am for?
I pity for those wey their hands go cash fire

emmanuelewumi:
I bought mine about 15 years ago

Published by Spectrum publishers Ibadan

Old readers

Lazyyouth4u:
More crypto discussions . How many of us even get crypto investment sef ?

Na wa...

I don tire again

I don come back.Normal Investment discussion has surfaced.

Crypto discussion continues. I Dey come.

zamirikpo:
This our beloved thread na wa......I read through with confusion.

Chai.......
.

You fear fear

RayRay06677:
Said best university in the world, my only fear is inflation but I capture that effect but I can't tell limits because this country is unpredictable.
Aiming high so even we land on average, we move.
Law of contentment is what I practice, I don't compete. My target is a billion naira untouchable fund. The day I get a billion, next morning I will be at home playing with kids. I need a good car due for changed every three years. A good retirement home will be on ground already and I don't need another home. Only thing I will be doing with the proceed is children fees. My manager retired last year and died last month, never trade all your useful years hustling, use some in grooving and rehabilitation of the dead cells so you live long. Getting close to 50yrs, time to think home. Started working at 35yrs after enough "local balling" investing 20yrs to white collar job is ok, and I will be back to my "local balling". Typing from ibom five star hotel, drank only a bottle of beer because I am not comfortable drinking 1k5 beer I can comfortably buy 3h, I drink beer a lot but have stayed about two weeks with just a bottle and campari and coke I get from town, I am just contented. Live for yourself alone and not for others.

The hotel am staying is not on my bills ooooo before we think otherwise

This guy is either a chevron or Total staff.
I have dotted the i,s maybe I still need to cross my t,s b4 concluding

emmanuelewumi:
What about those who don't have forex expenses and may not have it in the next 5 years.

So they should hoard forex for the sake of keeping?

Don’t mind non-investors...he is a saver if you ask me. I haven’t had any forex expenses since 2017, why should I concern my self with converting my money. Any forex I get I leave as forex. My naira I invest in naira shikena.

ojesymsym:
This your percentage na up to 105%

He wants you to take a loan and give

emmanuelewumi:
I don't give stock recommendations, currently not buying anything until April

I go wait till April then

Pa Emma, still waiting for your tips on stocks this year; Dividend-paying, am not out for trading. Cashflow is the goal. God bless you more.

emmanuelewumi:
Examples of where to get 8% to 10% rental yield

My just completed mini Plaza gives me about 12%, from my calculation.

Hoping to add up other stocks this year, following Pa Emma foot steps. My eyes and ears are monitoring every tips from Pa Emma this year.

awesomeJ:
Sub 1% yields on T-bills make rental income attractive to me these days, something I was so certain I wouldn't pursue.

I have been pursuing all forms, rental, business, T bills and just fidelity stock.

OgogoroFreak:
Honesty, I don't know o. My money just keeps quadrupling from 1btc = $5,000 to 1btc now = $43,000 and counting. The profit is like a lie.

I'm cashing out little by little to spread my investment so I don't get drowned/lost in profit cos I know the price must surely come down but this particular happening is strange. I just don't want to empty my b1tcoin account.

I have sold some and invested heavily in Risevest, piggyvest, opay, and now trying to trade USA stocks using bamboo.

Not scared of losing the millions I put in these fintech apps. Afterall, all the money came from the impossible b1tcoin profit this period.

Why you Dey expose madam face now...she offend you?

emmanuelewumi:
This is simple English comprehension.

I listed their company names, the names of their subsidiaries and names of their different Investment products.

SEC is not aware of any of them and the products.

Apart from registering with SEC as a fund manager, your investement products must be registered and regulated by SEC. SEC denied knowledge of all these.

Please be guided.

If possible share the names of their trustees and fund managers, so that I can also confirm their status and roles in the Investments

Tuale pa Emma...who get ear, use am ooo