₦airaland Forum

emmaodet:
Then why still holding the stock if it has failed your fundamental analysis? The core reason you bought it since you wrote it rubished your valuation

ositadima1:
I get your point, but you’re not seeing where I’m coming from. According to him, he invested in 2021, and by 2023 he himself showed us that his stock portfolio was over ₦300 million, the posts are here, I’m not guessing. If his convictions were as strong as he’s claiming today, he would have increased that position to at least ₦1 million. In 2023 the stock was still relatively cheap. He could have sold stocks that had peaked or added more from dividends.

Now he comes here claiming he ‘always knew’ it would turn out like this, after the fact. What I’m saying is: the reason he didn’t add to the position all this while is because, consciously or unconsciously, he was weighting it down due to perceived risk compared to his other holdings.

EDUECO:
It is not possible because ACCESSCORP will definately pay 2025 full year dividend.

EDUECO:
When did ACCESSCORP get to ₦30 this year or last year?

Or abi you done become APC member?

ositadima1:
Yeah, some people tell stories to feel good, I do that sometimes. But you can still make outsized returns by using strategies and models; that’s a fact. The market has hidden patterns you can exploit to make money. So yes, on average, people do make money. I’m living proof, and there are many others here who don’t talk about their wins at all, so you never hear about them.

nosa2:
Not necessarily. Someone could be selling strategically but that's not manipulation

ositadima1:
I don’t think it’s 100% luck, but he’s clearly exaggerating in his post. The points he made are solid, just not strong enough, which is why he hasn’t been adding to his position all this while. It’s like having a strong feeling that Manchester City will beat Fulham based on certain indicators, but you’re still not fully sure, so you bet responsibly, lol.

pluto09:
It is the kind of narrative that makes people believe they can just buy any stock and make money once they can wait it out .
It is nothing but pure luck

Streetinvestor2:
Good u gamble paid off.Then again what is happening in the price presently is high level manipulation of its price.It is not fundamentals justifying or pushing the price up.The MM just comes every day to drop 100k units and do the magic. I see some stocks here doing or going to do same so I will personally not ascribe it to investor special inputs.Your gamble just paid off and not really the patient investor theory that should be sold to new guys in this business . E get some kind stocks for such thing here.And on serious note I believed u had money to top up from 2021 to 2025 if u had tight prove conviction about that company. Enjoy u loot.I hope it does not hook ur throat when u want to convert the paper profit to real money like total is showing me now

Mankind2024:
My brother, the NSEMPA no1 impatient and arrogant trader, thank you for the free publicity and for giving me the opportunity to clear the air once and for all.

1. “Negative shareholders’ funds and a failing business model”
- In Feb 2021, NCR had negative equity of about –N1.2bn. That’s public information.
- What is also public information is that the company had over N8bn in installed base contracts (maintenance of ATMs, POS, and self-service kiosks across banks and oil companies), contracts that renew every 3–5 years almost automatically.
- I saw a situation where the market was pricing a 130-year-old technology franchise with monopoly-like service contracts as if it was heading for liquidation… for N180m market cap. That’s not a “failing business model.” That’s the bargain of the decade.

2. “Why only N170k? That doesn’t show confidence.”
- In 2021 I was a salary earner, struggling with life and family responsibilities. N170k was part of my liquid net worth at the time — exactly the position size I allocate to my highest-conviction ideas when they are this depressed.
- Confidence is not measured by how much you bet when something is already obvious to everyone. Real conviction is measured by how much you are willing to allocate when literally nobody else sees it.
- Today that N170k is worth N3.635 million. I sleep very well with that “small” conviction.

3. “You only got 20x in 4–5 years while people who bought at the 52-week low got 18x in one year — so it’s luck.”
- People who bought at the 52-week low in early 2025 paid between N4 and N6. They are enjoying the ride now, and I’m genuinely happy for them.
- But let’s be honest: in early 2025, the turnaround was already visible to anyone who cared to read the 2024 results and the H1 2025 numbers. The stock had started moving. It was no longer invisible.
- I bought when the company was still bleeding, when the chart was flat for four years, when the average daily volume was sometimes 200 shares, when people on this same forum were calling it “dead money, Iliquid stock.”
- That’s not luck. That’s buying when fear was maximum and facts were minimum.

4. “Paint the full picture so people can learn.”
- The full picture is simple: I looked for a company with:
(a) a moat (service contracts that competitors can’t easily take),
(b) a tiny market cap relative to its installed base,
(c) a share count that made a future re-rating mathematically explosive (108 million units), and
(d) zero chance of permanent capital loss because the business would still be needed even if it crawled along for another decade.
- I didn’t need 2025 results to see that. Everything I needed was already there in 2021 for anyone willing to read beyond the headline loss.

Finally, I have never claimed to be a genius like you. I just refused to complicate what is painfully simple: buy great (or decent) businesses when nobody wants them, do nothing, and let time work.

If waiting 4–5 years for 20x (so far) while collecting zero dividends and watching red headlines every quarter is “luck,” then I pray every member of this forum continues to enjoy such terrible luck.

To everyone else reading: the next NCR is already on the NGX today — trading at N5–N15, negative equity, zero volume, and plenty of people calling it trash.
You don’t need luck. You only need the stomach to be early and the patience to be quiet.

God bless you all.
And thank you again, the arrogant trader, for bumping my post to the top. Much appreciated. 🙏🏾

Locotrader:
Psychological support for ASI is 145,000
Let's see if it will be actualized in the coming days.
My take,if 145k holds strong,we will see 150k level by 31st December.This is what I pray for.

Currently sitting at 143k.If this 143k is broken,we may see support at 138k.At this level,we may be in for a longer beers(days of no activities)

crownprince2017:
E be like say oando lost today in the market, the udele customer don vex come here again.

Locotrader:
Bull that is set.
There will be great rally this season even if CGT is set at 50%.

Make sure you have some units of stocks else what happened to Peter will repeat itself on you.
During crucification of Jesus,Peter turn to him and wept because his words came to fulfilment.

I repeat again,stocks are set for a great rally.

mikeapollo:
Don't be too optimistic or too sure. The CGT issue is not yet permanently resolved with certainty, and that Taiwo guy may say something again that would disrupt the market once more.

Locotrader:
If you truly believe in a company and the price fall,just look for money and be averaging down.

This is what I have been doing and I am proud I did it.
At last na great win for me as bull is decending on Japaul now.

Those who entered or averaged down today are winners from next week.

Thank you for acknowledging you don't loose money until you sell.

God bless

GeneralDae:
I disagree. 2023/2024 harvest season still had food inflation rising for the most part although increase in PMS prices from 650 to over 1000 in October/November 2024 contributed to the rising food inflation then. Nevertheless, even in March/April 2025, there was no real spike in food inflation.
This has more to do with a stable naira and other monetary policies as well as stable energy prices.

nosa2:
In the short term markets move up and down. In the long term the trend is usually in the direction of the economy.

Crypto is down, foreign markets are down, there is a general downturn.

So there doesn't need to be a reason even though the press will always find a reason in order to get viewers/readers

Itzlinda:
Means market likely to dump in the short term. Equity prices traditionally follows money supply.

leo1234:
I only pity those that sold valued stock because of their noises.

leo1234:
The market is tricky.
The eventual winners are those who hold valued stock for long period of time.

Ordinary investors should leave price swings for traders (gamblers). It is extremely difficult to time the market accurately.

rajput4real93:
Good day everyone. I'm new here and I'm undecided on which stock to invest in among Aradel, Seplat, and Eternaoil. I'm a long-term investor. Please, I need your honest advice. Thank you.

SenatePresdo:
All stars?

Why are Erica and Nengi not there

Diligent1:
I have been doing this salary work for the past 10 years now that I have graduated. The salary is not encouraging, initially I started small so that I could gain more experience.

Now, I have the experience but no capitol to establish myself. I prefer to have business of my own from the experience I have gathered so far working with one man business and registered companies.

I have lost interest in salary work, I am just doing it because I don't have a choice.
If I have up to N300,000 I will start my business immediately.

Gppgn:
Talent... gifts..pays Better and I wonder why they are not seen as handworks.... you know how much Dem go give Nigerian idols winner for just doing what he knows how to do? 30million... with a car and endorsements... Pere Jason won the voice..10 million... Pray for grace my brother pray

Girlee:
I'm just not in the mood so I won't be telling much stories...

Last year, depression almost killed me if not for the saving grace of God.
I wrote jamb, scored 225. Took delta state university's post utme form and scored 68. I wasn't admitted.
As I so much didn't want to stay at home for another year, I called my dad and asked him to send me money for a change of institute, he declined.
He was like "abeg! Wait for another year, I nor get shi shi". Yeah, I know he's not a literate but I expected that he knew the value of education but he doesn't.

I cried my eyes out for months and had to take up a job as a waitress so i could afford this year's jamb reg fee.
I took jamb again and scored 212. All glory to God because I never prepared. I worked from 8am till 10pm and sometimes till 11pm. My boss then even turned me to a dish washer.
Salary was 20k. 20k that my dad can pay me monthly but he was okay with that.

Okay...
I'm broke and jobless now because I want to prepare well for my upcoming Uniben's post utme.
I asked him for just 2,500 to buy past question but this was his reply:
"2,500 for wetin? I nor get oo. E be like you go relax and try again next year or just wait make you mature then you marry".

I shouted at him until I lost my voice, I cried and I'm like God why??

nairavsdollars:
Elumelu should hands off Transcorp...terrible manager

PAQ:
Rooting makes you a SuperUser and removes all restrictions and the inbuilt security Android provides, its like removing all the margins and lines of an exercise book leaving you with plain white paper for you to scribble as you wish.

It comes with advantages & disadvantages but if you are not tech savvy, developer or mobile security expert its best to avoid rooting. A small mistake will render a rooted phone useless because all protections & restrictions are off cos you now have access to system files which you may not understand.

ADVANTAGES:
1. Full customisation; from boot screen to custom recovery to a custom rom and total redesign of your homescreen. If you dont understand the terminology i used then avoid rooting until well read!
2. Downgrade/upgrade Android Os or installing custom roms that add more functions and or tweaks.
3. Rooting will allow you alter or remove restrictions on some apps and also install some outdated/banned/region blocked apps.
4. It allows you to modify or instal modified/tweaked kernels and governors.
5. You can undervolt or overclock the processor of the phone. I undervolt to save battery life, then change governors. This was one of my major reasons for rooting back in the day when phones came with small batteries. To be honest most people dont need all that power in our phones that causes over heating and battery drain.
6. With rooting you can improve camera quality by installing third party cameras, google camera, or modify init.d scripts.
7. It allows for changing of imei, which is illegal and can send you to jail in some countries.

There are many other things rooting allows, although these days some of these things can be done without rooting but there is always a catch, were as rooting gives total freedom.

DISADVANTAGES
Disadvantages mostly affect noobs, people who lack the understanding of rooting cos it is highly technical.
1. It exposes you to malware and cyber intrusions because you have lifted all android restrictions and compromised the security model of Android. Rooted phones will no longer install official updates and security patches to keep your phone safe & secured.
But if you are rooted with Magisk and understand how to modify boot.img then there is a way of installing OTA.... I hope i havent lost you here?
2.You can mistakenly delete or tamper with system files thereby turning your device into a brick.
3. Banking apps abroad check for rooting and will not work on rooted phones as a security measure to protect users. Something our banking apps dont do but should. For you banking apps to work you must do some added stuff called "magisk hide" which is not a 💯 guarantee.
4. You can mistakenly wipe you system/os if you dont know what you are doing. There is also a way to reinstall.... If you know what you are doing.
5. It voids some warranties & return policies in some countries.

The 2 major disadvantages are the banking apps & exposure to security risks. The rest comes from mistakes and not enough knowledge on rooting.

Rooting and being a SuperUser is what makes Android fun, its not for everyone. If you dont want you can always unroot the phone back to stock.

Hope my explanation was easy to understand.

TMKsouth:
Lions are huge dude - they're not your typical house cat That's why they can take down Buffalo and elephants.

Asquare84:
hi naira landers,

I worked in one of the financial institution in the country, sometimes last year I was promoted to head the department at zonal level, (good News right).
here is the problem and challenges I have been facing on the job, I have almost six superior that are above me in terms of ranks, but I was made to supervise them. this superior don't send their report to me or seek my opinion on anything.

I know they are not happy with me. my regional manager on sensing that this may be a problem recommended that I should be promoted ahead of all my superior yet our management is not saying anything about the recommendation of my regional manager.

most of this superior lobbied for this position but I was picked because of my ability's to deliver on the job.

experience peeps how do I handle a situation where I am supervising my superior yet they are not reporting to me or can I issue queries to them.

chaloskyx:
SO LET ME HELP YOU WELL YOU ARE 26 THATS GOOD THIS IS WHAT YOU SHOULD DO
1. DONT LEAVE YOUR JOB REMAIN THERE AND WORK
2. IF YOU HAVE A MASTERS DEGREE AND 3 YEARS WORK EXPERIENCE WRITE IELTS AND APPLY FOR PERMANENT RESIDENCY IN CANADA
3. ONCE YOU GET YOUR PR YOU HAVE 5 YEARS TO DECIDE IF YOU WANT TO MOVE TO CANADA OR STAY IN NIGERIA
4. IF YOU DONT HAVE A MASTERS ID ADVISE YOU TO STAY IN NAIJA GET YOUR MASTERS THEN APPLY FOR PR
5. WITH THIS YOU CAN KILL 2 BIRDS WITH ONE STONE DEVELOP YOUR CAREER WHILE PROCESSING YOUR PR BUT NEVER LEAVE YOUR JOB TO ANOTHER COUNTRY HOPING FOR THE BEST

Emmaesty:
I also experienced this about 3 years back and I have three options for you

1. Seba med Clear face soap. It's about 1500 naira.
It really works, you would see the difference after 2-3 weeks. It would only clear the dark spots but not the Pimples.

2. Retin A. It would clear both the Pimples and the dark spots but it's not easy to get and you might need a doctor's prescription for it cause it's quite powerful.

3. Neo Medrol. This would clear every bit of Pimples you have but would do little or nothing about the dark spots. It's the best Pimples clearing lotion out there and it costs about 2000 naira.

My opinion, combine the soap with Neo Medrol for greater results

Tonytonex:
Can someone buy their shares? And how?