₦airaland Forum

iammo:



Atleast Buhari would read about him been sue for private visit to london, and understand how jobless many of his citezens are, and that he needs to step up

deomelo:
[s][/s]



Typical ignorant and unintelligent ipob nonsense.

deomelo:
https://www.lasgidionline.com.ng/wp-content/uploads/2018/07/Ike-ekweremadu-LASGIDIONLINE.jpg


Ekweremadu suffers high blood pressure in EFCC custody







Meanwhile, while you ipobs are celebrating Dino all the way in Kogi, your own village leaders back home are shipping your constituency money to buy choice properties and mansions in London, US, Dubai, Abuja, Lagos and so on..

...but of course, you care less about your own village, your primary concern is always Osun, Kogi, Kaduna and other places beyond your poor and wretched villages where your leaders loot your wealth and resources every day.

Sufferhead losers..

ubunja:
Adultery is cheap. Just fvck that whôré in the bushes. Why fvck a slut in a 5 star hotel?

BOOOMNAIJA:
Amen to ur prayers o.....

If only u know wat goes behind d camera.....poor thing!

CotenantNIG:
can I get your whatsapp digits

CotenantNIG:
Our next series would be enugu state
Lalasticlala

prof2007:
Below are some ideal investments to consider when you are in your 20s and 30s.

(A). INVEST IN YOURSELF

(1). REDUCE WATCHING TV/NEWS:
The news doesn’t change — government borrowing, election manipulation, killings, wars, underperforming economy, celebrity gossip, and the list goes on and on. All these don’t make me knowledgeable.

When you reduce TV and watching of news, you become less anxious and less stressed.

(2). CUT DOWN ON SOCIAL MEDIA:
The average person touches his phone more than 100 times a day, due to addiction to Whatsapp messages, facebook, Twitter, etc. Half of that time would have been better spent reading books, creating art or something productive.
-- Read fiction and non-fiction every day.
-- Reduce alcohol and limit sugar intake.
-- Eat twice a day.
-- Avoid gossip.
-- Sleep an hour earlier and wake up an hour earlier.

(3). CUT DOWN ON WASTEFUL SPENDING:
A salary is the first major source of savings and investments, so you must nurture that source properly to help jumpstart you into other avenues for enriching yourself.

(4). INVEST IN YOUR CAREER:
Whatever career you are in, develop more skills and take more courses. Some of these courses are offered online at cheap prices. If you are an employee, consider taking a professional certification exam. Google people at the pinnacle of your field and research what made them get to the top. It could be their negotiation, management, psychological, or impeccable writing skills.

Investing in yourself is the most important decision you will make, as the more skills you have, the more ideas you have to aid creativity, and to end up as a money making and/or value adding machine.

Two quotes by Ray Dalio have stuck with me:
“Do not let your income rise faster than your productivity, because you’ll eventually become uncompetitive.”
“Do all that you can to raise your productivity, because in the long run, that’s what matters the most.”

(B). INVEST FOR THE FUTURE

(1). EXCHANGE TRADED FUNDS (ETFs)
Majority of individual investors will not make money investing in the stock market due to 2 major reasons:
-- Not everyone has the wherewithal and resources to research and analyze the market properly.
-- It is difficult to time the market – knowing the right time to buy or sell.

Why Exchange Traded Funds? An ETF is simply a security that tracks an index and trades like an individual share on an exchange. It is a fund that includes the collection of assets, e.g. stocks, bonds, gold, etc. Investing in an ETF presents you with the opportunity to buy a selection of assets you may prefer instead of picking those assets individually.

For example, if Mr A has dreams of investing in companies like Google, Exxon Mobil, and Apple, but doesn’t have the money to invest individually in any of these stocks due to the high share prices they command, he can simply buy an S&P 500 ETF that tracks all these companies. If any of these companies don’t perform in a particular period, you still have hundreds of others which can balance out the risk of the total portfolio.

There are several thousands of ETFs globally; some invest according to geographic locations – ETFs that track the biggest companies in USA, China, etc.; ETFs that invest in a mix of stocks and bonds; ETFs that invest in gold, etc. Two major advantages which ETFs offer are: an opportunity to diversify your portfolio, and low costs of investing. Most experienced investors recommend that you continually invest a small amount of money consistently over a number of years.

You can invest in ETFs available on the Nigerian Stock Exchange, or better still, diversify your portfolio by investing outside the shores. I have previously written on how to make money investing in foreign stock markets.

(2). TREASURY BILLS
Treasury Bills are a very important and necessary investment for every type of investor, and there is no better time to cultivate the habit of buying Treasury Bills regularly than when you are in your 20s and 30s. Treasury Bills are short-term government guaranteed debt instruments issued by CBN on their behalf to finance expenditure and also control money supply. There are 3 tenors: 91 days, 182 days and 364 days.

We all have bills to pay (professional exams coming up in a few months, children’s school fees, weddings, vacations, etc.) and you can invest the present cash you have in Tbills, depending on the period you will need the money. There is a concept in finance called Asset and Liability Matching (ALM), which basically involves buying an asset (in this case Treasury Bills) in order to be able pay off a future liability (what you need your money for in the future).

Some advantages of Treasury Bills are:
-- They offer decent interest rates, so you get to make money.
-- They are risk-free, which means your principal is guaranteed, as it is backed by the full faith and credit of the Federal Government.

(3). GROWTH STOCKS & DIVIDEND STOCKS
Being in your 20s and 30s is an opportunity to make risky bets, because if you lose your money at this stage you still have time to recover. Investing in stocks offers a good avenue to put part of your money into a high risk-high reward venture.

Growth stocks are simply stocks that are expected to grow at significantly higher rates than the industry average. These stocks generate more sustainable positive cash flows and revenues than their peers. Dividend stocks, on the other hand, are usually stocks of companies that are financially stable and mature, which means the share prices are less volatile than growth stocks.

Dividend stocks should be included in your portfolio at a young age as they provide opportunities to earn income (no matter how little) consistently over a long period of time, provided the companies keep performing well.

(4). BUSINESS
If you have the talent and passion for something, you can start now. It doesn’t mean you have to quit your job immediately; you can maintain your day job while you work gradually on your business idea. The thing about starting a business is that the rewards are huge; if successful, you get to reap huge financial rewards whilst having the freedom and control over your own time.

You have nothing to lose starting a business at this age:
-- The business performs well and you make money.
-- The business fails and you gain lessons on what to avoid in your next venture.

I wish you all the best in your investing endeavours.

SOURCE (abridged): https://nairametrics.com/2019/04/04/if-youre-in-your-20s-30s-here-are-some-ideal-investments/?utm_source=Nairametrics+Newsletter&utm_campaign=b2cae25d10-EMAIL_CAMPAIGN_2019_02_26_05_19_COPY_01&utm_medium=email&utm_term=0_c96c21e814-b2cae25d10-62571785&mc_cid=b2cae25d10&mc_eid=5d37a2b3b9

advocate666:
When a snake starts singing your praise, be very wary.

blazer2018:
Some Nigerians kind of mumu is astonishing...Imagine. someone contested under APC, performed poorly while in office...reading d handwriting on d wall that he might not be reelected...he hid behind the herdsmen crisis and played the victim of circumstances card...decamped to the opposition party...boooom!!!! He returns elected..Nigerians i hail thee

I pity the people of Benue State...He was in the ruling party where easily he could source for money to better the lot of Benue people (pay salaries regularly), he failed spectacularly...but Benue believes he will be different now? Jokers of the year.

Until we start voting individuals over political parties, politicians will continue to take us for a ride...and the country will remain stagnant.

okerekeikpo:
Guys stop blaming Yoruba ppl for loving APC, there's a strong relationship between broom and ewedu��

MerxyX:
FUNAI

Here i come!

gawu1:
Fact checked! All the replies came from the people of hate mongers region. They want every opportunity to vent their anger and frustration on Nigerians. These are Ugandan Jews in real sense

Investmentfreak:
I have two union bank visa cards, what's the problem?

GOFRONT:


If GEJ administration Had not been Truncated, These evil and barbaric act of looting our Money wuld not be Xposed and this ImPUNITy will Continue. Boys in my Area be Crying "No money, No money", APC govt Hard"There is enuf Money wen GEJ waz president". What money are they talkin about?? Siphoned money, Looted money Diverted money by leaders of GEJ administration. Gullible Boys n Girls......

Destiblack:
Anyone with Union bank domiciliary Acc with visa card, pls PM for good reason.

Pajemo:
Please i need an assistance i just came back from Germany last night ' abeg wey i fit see weed buy... Urgently...

deomelo:
[s][/s]


Not interested in your ipob rubbish..

deomelo:
[b]Omasoro is not a Yoruba name.


These ipobs sef

Shawnnn01:
How close is 16 years to 40 years compared to 3 years. The stupidity of many of this foolish Biafrans on SM is unquantifiable.


You need to read “Atiku the new Igbo lord & saviour sent to Biafra”. Every other foolish from your tribe will be left unattended that’s how much time I waste on foolish subhumans.