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Leezah's Posts

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Investment › Re: Us Stocks Pick Alert by Leezah(f): 11:03pm On Mar 05, 2021
Kennyking1234:
What app is this? Trove?
YES and yours is trading 213, right?
Investment › Re: Crypto Currency Investors Thread by Leezah(f): 10:55pm On Mar 05, 2021
nihilistjnr:
https://cryptohayes.medium.com/pumping-iron-ae8a54a32ea2

Long read but very interesting take on the future of crypto
summarize
Investment › Re: Crypto Currency Investors Thread by Leezah(f): 10:53pm On Mar 05, 2021
Dizzyish:
I was thinking of buying $150 ethereum, $150 litecoin, 150 ada and 50 dogecoin long term, like for a year or more. Does it sound like a good plan?
No, the reason you here buying is to make profit, so determine at what percentage you will book your profit.
Investment › Re: Us Stocks Pick Alert by Leezah(f): 10:50pm On Mar 05, 2021
emmanuelewumi:
There are more traders than Investors
Why do you say so?
Investment › Re: Us Stocks Pick Alert by Leezah(f): 10:50pm On Mar 05, 2021
Kennyking1234:
The reds! Still holding
Yes, still holding the line.

Dating And Meet-up Zone › Re: If Ur 30 Plus And Single, Let's Talk... by Leezah(f): 10:47pm On Mar 05, 2021
myami:
i ve been tripping for you ever since i set my eyes on you. Can i meet you. I'd like to know you better
sure kindly send me a pm
Investment › Re: Crypto Currency Investors Thread by Leezah(f): 5:39pm On Feb 23, 2021
Ibime:
I done pull out of stocks yesterday. A big reckoning is coming.
Why?
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 5:36pm On Feb 23, 2021
XiaoLi:
Kudos to all who is still contributing to this thread positively.

Gurus in the house do you think this is the right time for someone to convert his USD to NGN.
No
Investment › Re: Us Stocks Pick Alert by Leezah(f): 5:34pm On Feb 23, 2021
yom2:
but let's get down to earth; in this nigeria economy how many hustlers has d money he will not be needing for another 10 years. Except for the lucky ones who's ancestors has bequeathed tons of money. As far as am concerned my horizon don't exceed beyond a year give and take. When am not otedo, dango or abach pikin
I shared the same thoughts with you
Investment › Re: Us Stocks Pick Alert by Leezah(f): 5:32pm On Feb 23, 2021
Kzdguru:
Red Sea ti take over
This is the best time to buy, Killer zone, aggressively load up.
Instead of getting emotional, just relax & focus on how you can make money/benefit from this market pullback/correction. If you cant see or find opportunity then just relax.
Investment › Re: Crypto Currency Investors Thread by Leezah(f): 9:14pm On Feb 21, 2021
lovinhubby2wife:
Good or bad time to enter zil??
*Trade Motivation*

Before you place a trade, be aware of the downside you are exposing yourself to.

Form a clear image of it in your mind, and determine what you'll do to mitigate the damage.

Don't just salivate over the idea of finding yourself in a massively profitable trade.
Dating And Meet-up Zone › Re: If Ur 30 Plus And Single, Let's Talk... by Leezah(f): 9:13pm On Feb 21, 2021
myami:
hey
Hi
Investment › Re: Us Stocks Pick Alert by Leezah(f): 1:06pm On Feb 19, 2021
Chaka is better in my own opinion
Deposits and withdrawals are almost instant on Chaka, except for some cases where there are bank issues with transfers.
yazga:
74 countries were actually banned on eToro & Tradng212 including some European countriesOptions are:
Trove
Bamboo

All these Nigerian fintech apps don't have enough stocks. Bngo and gevo were not on trove or passfolio when they were penny stocks
*For now*
If you're in Nigeria and have T212 account. It's time to sell off your shares there and port. They'll lock you and your money out, just like paypal did.
Na so NIGERIA be.

However Choicetrade is an ption but no review on them on google play store
With experience from friends who used etoro, if there is a plan to exit Nigerians from the Platform, there will be a cut off date, a minimum of 4 weeks notice to sell off existing stock.
Investment › Re: Crypto Currency Investors Thread by Leezah(f): 11:20am On Feb 16, 2021
wink
SteveOfu:
This is alst applicable to krypto koin
Written by Leezah

As a young investor, be SMART and not GREEDY, 15%-20% is a good PROFIT but if your fundamentals & DD are good, you can hold for as long as you wish.

In addition, I have been learning and still learning, here are few I learnt

- The success or failure of a trader depends on his/ her EMOTIONS

- You are RESPONSIBLE for every trade
- Plan a trade and trade a plan

- Know your entry and exit plan & reason for such trade

- Do not make a decision or trade in the spur of the moment because your sense of judgement is beclouded

- Impulsive trade are very dangerous

- Have a limit to the amount you can risk in a trade i.e. avoid risking more than a certain percentage on your capital e.g. if you started out with $1000, do not risk more than a certain percentage determined by YOU on a trade

- Learn as much as you can, ask questions

- Do not get GREEDY to trade

IF YOU'RE IN THIS GROUP RIGHT NOW

I say again, count yourself Lucky

*WHY??*

*1).* You need to be knowledgeable on Cryptoc trading especially in this period where economies are fluctuating and close to unbearable.

I'll guide you through how you can open your own Binance account so you don't get into problems!

In conclusion, the link is where you are supposed to be NEWBIES
This is the vehicle to the Telegram group by Puvo
https://chatdotwhatsappdotom/LwycvUj4YLXI2DBnyZmAfV

Replace the "dot" with ".".

I am not an administrator I am assisting those that find it difficult to join Telegram group.

WHEN YOU JOIN THE WHATSPP GROUP READ THE GROUP DESCRIPTION.

If you don't have Telegram download it on Google play store

efepeppereski
Bizibodi
Loveofyourlife0
Investment › Re: Us Stocks Pick Alert by Leezah(f): 5:35pm On Feb 13, 2021
posty56:
abeg who dey follow Zack Morris and pj patlock for Twitter? those guys are mad pumpers.


edit: especially their SPAC stocks ,they leave their followers with bag.
True but make sure you have a strategy
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 2:46pm On Feb 13, 2021
emmanuelewumi:
The amount invested was small, he is now suffering from investor's remorse
grin
Investment › Re: Us Stocks Pick Alert by Leezah(f): 2:29pm On Feb 13, 2021
cool
lavylilly:
Your parents are not your emergency FUND

Your children are not your retirement FUND

CREATE WEALTH ON YOUR OWN
Investment › Re: Us Stocks Pick Alert by Leezah(f): 2:26pm On Feb 13, 2021
lavylilly:
US Stock Market Pick Alert (USMPA) on TELEGRAM
Karleb and earlycareer great input but this group in particular are for newbies, I was once there but left
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 2:19pm On Feb 13, 2021
shocked
emmanuelewumi:
There are different routes to financial independence eg business, real estate, invention, stock market, fixed income, Treasury Bills, just do what suits your cash flow, knowledge, experience and Investment temperament.

A lady in her 60s (who worked for 30 years as a salary earners) builts her money to over N200 million through Eurobond, Treasury Bill and fixed income, not bad for a very conservative investor in Nigeria
Is that's still possible today with a minimum wage of 30k?
Investment › Re: Us Stocks Pick Alert by Leezah(f): 2:18pm On Feb 13, 2021
Don’t spend all your income because it’s not enough. I’ve been there. The 5% or 10% you keep changes you and gives you a little control over the future. Nature teaches us to keep seeds from our harvest. Besides, many went broke few days into the lockdown because of no savings -Sam Adeyemi
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 2:15pm On Feb 13, 2021
ositadima1:
I invested 40k or so in ethereum in 2019, I watched it's up and down movement for a while, just for fun, and then forgot all about it. I checked yesterday and value is now 130k. Should have bought more. embarassed
Lol don't be greedy be contented.
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by Leezah(f): 1:24pm On Feb 13, 2021
emmanuelewumi:
I have no thoughts on insurance companies to share.

But I have shares of AIICO, Axa Mansard and Custodian Investment. I don't know if this is time to to buy them

I hope that was useful
The bolded, why & at what price do you think is best to enter? based on my research they are returning good profit
Mansard is projected to rise by 112%
AIICO 23%
Custodian 21%
Investment › Re: Us Stocks Pick Alert by Leezah(f):
It been a crazy journey so far, there has been ups and downs in this market.

I started out with as little as $10 and today I am @ $125. Thank you OakPearl for your input.

As a young investor, be SMART and not GREEDY, 15%-20% is a good PROFIT but if your fundamentals & DD are good, you can hold for as long as you wish.

In addition, I have been learning and still learning, here are few I learnt
- The success or failure of a trader depends on EMOTIONS
- You are RESPONSIBLE for every trade the market invokes
- Plan a trade and trade a plan
- Know your entry and exit plan & reason for such trade
- Do not make a decision or trade in the spur of the moment because your sense of judgement is beclouded
- Impulsive trade are very dangerous
- Have a limit to the amount you can risk in a trade i.e. avoid risking more than a certain percentage on your capital e.g. if you started out with $1000, do not risk more than a certain percentage determined by YOU on a trade
- Learn as much as you can, ask questions
- Do not get GREEDY to trade
- Design a trade system that will trade less often
- Develop a method for analysing the market e.g if A should happen B should be in profit
-Develop a money management plan e.g how much you will invest monthly, quarterly and annually
- if you are not sure of a trade, air on the side of caution
- Do not deal with brokers with high commission, shop for the one with the lowest commission
- Traders LOOSE because of lack of DISCIPLINE or IGNORANCE.
- MULTIPLE STREAMS of income is the key to your financial break-through.

Further more, Bamboo, Passfolio, Trove dont have all stocks but take out time go through the stocks in your app. An Investor once said, "invest in your girls friend" they love to wear shoes, bags, clothes, wigs, makeup, lipsticks find the fashion company in your app.

I am trying to olayt into the NSE because with the rising insecurity, health challenges and protest will trigge higher risk in a year married by global pandemic.

Allocate 2% to 8% of your liquid assets to sensible speculative assets or Investments.

Finally, a trader/investor is the weakest link in any trade- Alexander Elder.

Thank you.

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by Leezah(f): 12:25pm On Feb 13, 2021
Mcy56:
GTL MYTRADEBOOK:
This site is still offline till now. No mail, nothing. This is not right. sad

I'll advice those using only mytradebook to consider opening additional account with another digital broker to avoid ugly scenarios.

cc: @Locodemy @DrLammy
I recommend trove or bamboo
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by Leezah(f): 12:23pm On Feb 13, 2021
emmanuelewumi:
Nothing is impossible, what will. you do when it happens?
Good morning Sir, How are you doing?

Please, what's your thoughts on insurance companies in the NSE?

What sticks do you advise I buy? I am just starting out.

Thank you for your anticipated response.
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 12:18pm On Feb 13, 2021
emmanuelewumi:
You are a young man speculation is not totally bad if you are smart and not greedy.

As a young man, invest for cash flow, reinvest part of the cash flow from your Investments, have an emergency reserve,invest for growth and allocate 5% to 10% of your liquid assets to sensible speculative assets or Investments
Definitely but unfortunately many are greedy and get really burnt.
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 12:16pm On Feb 13, 2021
Lazyyouth4u:
I’m not on NSE o. NSE sef dey fear me grin. Too much mago mago lipsrsealed
Fear fear follow Emma make e show you road.
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 12:15pm On Feb 13, 2021
emmanuelewumi:
Your N10 million invested in a 30 years bond at 15%, will give you a steady coupon of N1.5 million for 30 years. Even when N1.5 million losses it's value due to inflation, unlike an investor who got an annual dividend of N1.5 million from Zenith bank about 12 years ago who is currently getting a dividend of N6 million.

Same with rental income, the rent can't remain at N1.5 million for 30 years
hmmmm
Investment › Re: Us Stocks Pick Alert by Leezah(f): 7:41am On Feb 12, 2021
*Motivational Friday:*

Before you place a trade, be aware of the downside you are exposing yourself to.

Form a clear image of it in your mind, and determine what you'll do to mitigate the damage.

Don't just salivate over the idea of finding yourself in a massively profitable trade.
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by Leezah(f): 10:11pm On Feb 11, 2021
Many folks might be aware of the challenges FBNH went through in 2015 because of its legacy loans that went bad. In 2015, profit plummeted from N84bn to N17bn in 2016. And the collapses resulted from a spike in impairment charges from N25bn to N100bn.

Since then, the bank has struggled to be what it was. The business of banking is by generating profits through loan creation and trading.

Loan creation is the sustainable business and actual banking. The trend of the bank's net interest income over the last three years has been unimpressive.

In 2018, net interest income margin declined by 14%. In 2019, net interest income defined by 2%. In 2020 (a low-yield environment), net interest income declined by 8%.

There is a major problem here. The percentage of net interest income to total operating income has declined from 75% in 2011 to 60% in 2015, and now down to 55% in 2018.

This means that non-interest income has been the value driver for the bank over the years. On the first look, I might say 'okay, maybe the digitalisation efforts of the bank is yielding results. To be frank, the bank has done a lot in trying to drive its digital banking, and there are lots of transactions happening on its first monie platform. But no, that has not been the non-interest income driver. The driver has been trading gains.


Banks and PFAs fed fat on trading gains in 2020. How did it happen?

Many of these banks had existing bonds and bills at a particular yield. As interests rates declined, the prices of these existing bonds and yields shot up (inverse relationship between prices and yield). And so, these folks sold and captured massive gains. Stanbic fed fat on it as well.

Now, we are seeing a rising yield trend again. This means that for existing bonds, and those who bought during the low-yield environment, a fair value loss would be incurred. Banks that heavily rely on trading gains would be hurt. FBNH and Stanbic are cases in point.


Put in context, in FY'2020, the bank made a profit before tax of N78bn. Trading gains accounted for 64% of that amount. This means that if you take out the trading gains (in both comparable years of 2019 and 2020), the bank would have reported a 69% decline in profits

In Q4'2020, profit after tax actually declined by 38%. This was because of the trading loss they incurred.

When I looked at the bank's balance sheet, and tried to see the composition of their deposits, I saw the following:

As at FY'2020, the bank had:

√ Current deposits: 32% of total deposits
√ Savings deposits: 36% of total deposits
√ Domiciliary: 11% of total deposits
√ Term: 21% of total deposits

Although this trend explains that on an overall basis, the funding structure is skewed towards retail base, but that term deposit contribution of 21% is significant. As of 9M'2020, it was 19%. Therefore, it means that the increase in total deposits that happened in Q4'2020 was 47% driven by term deposits. That's a sign of pressure.


The profit margin of 10% to 11% is very weak. Extremely week. And this is despite trading gains.

GTB profit margin is 44% thereabout
Zenith is 25% to 30%
UBA and Access do 17%-20% thereabout


Rhree major factors drive the earnings value of a bank:

1. Cost of fund (interest expense)
2. Cost of bad credit decisions (impairment charges)
3. Cost of operations (operating expenses)

GTB ticks 1,2, and 3.

Zenith ticks 2 very well. 3 is well managed and recently 1 has been improving

UBA is strong on 2. 1 and 3 are managed well

Access is poor on 1, 2, and 3.

First Bank is very strong in 1, but 2 and 3 are significantly poor.
I ranked than according to the metrics.
These are significant long term concerns.
Those quarantined amount rose by 51% from N800bn to over N1.3trn.
If you take a chunk of that amount to create loans, you might earn more and your net interest income could improve.

But that also comes with a cost (opex and provision for impairment).

Copied!
Properties › Re: General Topic Thread-To Discuss Anything And Everything in Building Construction by Leezah(f): 5:01pm On Feb 10, 2021
Dijita:
Are you sure your business is legit?
Ignore him
Investment › Re: Treasury Bills In Nigeria by Leezah(f): 5:00pm On Feb 10, 2021
skydiver01:
My view is they will all be banned in time which in itself is a form of regulation.
Sir your view, Once Amazon start accepting beatquoin payment on their site, others will follow.

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