₦airaland Forum

Mordson:
Prioritize.

Much obliged

fyneboi79:
Anyone who says divorce is not an option is usually those "all or nothing " kind who end up dying to save a needless relationship....as for me I will tell you as a lady that I cant love you unconditionally.

Your moniker says fyneboi, your gender says male. Are you bobrisky. That's on a lighter note. Even oyinbos that brought xtianity to us beliefs so much in divorce be like we Sabi their religion pass them.

fyneboi79:
It feels out of this world to become a father. It is no doubt the best feeling i have ever had.If you find a near reasonable woman then you can give it a shot....just make sure for divorce to be your first option because ,"when love is tested,wrath is the only taste it leaves "-Soco Harley.

I always tell my talking stage that divorce is a big option for me and prenup is a must. That do filter them as they guilt trip me about not wanting to works things out but divorce. I won't build my life for years only for a lady to come destroy it

Franklynstan:
At 2::12am today wed,6 May,2026


Much anticipated alert...just arrived

I stock with zenith last year January.

500k....I got #105,000 with fractions

So guy e bi like 100k,na 21k and fractions



Guys make Una help me do the calculations


Guys dem cheat me?

If you invested ₦500,000 and got about ₦105,000 return after roughly 1 year and 4 months (from January 2025 to May 2026), then,

Profit = about ₦105,000
Total value now = about ₦605,000

Hence, your profit is roughly 21%.

Whether they “cheated” you depends on what type of investment it was.
If it was a normal bank savings account, 21% is actually very high.
If it was treasury bills, fixed deposit, or stock investment, then it depends on
the exact product,
the agreed interest/dividend,
and whether the stock price itself also increased.

If by “I stock with Zenith” you mean shares in ZENITHBANK, then the ₦105k may include dividends and/or capital appreciation,
and 21% overall return is not bad at all for that period.
So from the numbers alone, it does not immediately look like cheating but I stand to be corrected.

fyneboi79:
I became a father at 35,and funny enough my dad also had me at 35 coincidentally.

Hello..... I really I'm looking at getting married around that age too. Presently still a bit far from it. How does it feels like having a child at that matured age? Folks around me are already making me feel crazy for wanting to personalise my personal growth and career over marriage or kiddies.

Ahead of the fish and big tail is always mums.




Lol


Innocent me read about a fox tasting the crown on a cockerel and I started fantasising Hence chicken head started belonging to me

ayoncox:
Of course you are right, we are considering scarce resources here and the fact is that inflation rate is on the high side, but my context and approach is a combination of textbooks and critical thinking based on market realities and essential needs. Also leveraging on knowledge and digitisation systems already in place. My approach on the topic and decision making are highly contextual beginning with etymological approach of the purview and derivation of witty narratives from it. For instance during one of my studies years ago after I quizzed one of my tenants who lost his money to a particular Ponzi scheme, I dug deeper and realised that intentionally the concept of what investment is has been whitewashed to be detrimental with focus on external and not internal without putting in place systems. I came up with the concept of investment being internal and external, internal having 3 phases and external being a function of the 3, based on that I realised Ceteris Peribus one will have a successful journey if internal systems are well built. Meanwhile for the public, I do advice keep 60 to 70% of your funds in low risk investments like bonds and treasury bills, and work on building on the 3 phases with the remaining 30 to 40% to achieve 100 to 1000% based on knowledge, capacity, network and leverage.

So you see if a person is diligent to work on understanding the mathematical and economic game and creating ones system based on the three one is safe and have the higher chance of getting maximum values.

Well said. The question is if the op is having the exposure to take up the ECONOMIC GAME as you called it.

Kobicove:
My first time of flying was in 1978, I was still a boy then and my whole family was travelling.

I remember one funny experience I had one time about 18 years ago...

We were flying from Owerri Airport to Lagos Airport, usually when the plane touches down everyone will still remain in their seats while the plane taxis down to the apron to park after which they will open the doors then passengers start to disembark.

On this occasion immediately the plan landed this guy just jumped out of his seat and ran to the door.

It was when he got to the door and realized that no one was following him to drag the door with him, instead we were all still seated he sheepishly went back to his seat.

Embarrassment wan kee the guy that day

I think that was his first time of flying so he probably thought he was in a Molue bus where passengers rush to the door immediately the driver gets to the bus stop. 😂

It was so hilarious 😂

Lol dude was acclamatized to the rough side of life already. Something of this nature happen to me in secondary school. My mum had financial constraints when I was in my last year's in primary school so she withdrew me to a public. Rough tough life. And I just evolved into it naturally. Instead of buttery, we had under a tree where Iya Lara do sell her wares, and most students in this place hardly bring food from home hence the rush and all to get to the place and buy food. Well..... I started refusing my mum packing me lunch and I was contended with 20naira money for food. Jss2, mum got a great job and took me to this school......... Damn I was like a fish out of water. Instead of mango trees, they have a buttery where students do more of seating to eat then buying snacks. Na only me dey always run from class once I hear break time. Very embarrassing those days before my mind was conditioned back to the normal human reasoning.

Mrsoft3:
Have you traveled by air before?

How was the experience?


Come share some tips for first timers.


Here is mine:

Flight was scheduled to leave by 4:35 from jos airport to Lagos via Abuja.

Flight ticket was booked and I headed straight to the airport, we did weighing of luggage and straight to the ticket booth where I submitted my booking ticket and passport.

My bag was tagged and sent to the loading truck.

We then went to the immigration section and checked after which I was shown to the waiting hall for departures.

Flight arrived from Lagos and touched down at 4:15pm in Jos with Abuja and jos passengers, when they finish alighting an announcement came from that their loud speaker and we lined up for ticket checks and body check then straight to boarding.

After we had sat down in the plane the hostesses welcomed us on board and the normal demonstration about safety started, I was just calm and over calm that gave me away sha. But I don’t think anybody noticed.

The plane taxied to the runway and I was eager to feel the speed rush. And when it was time for take off I smiled when the plane engaged the engine for speed.

I sha fasten my seat belt very well and I sat close the the window.

My stomach did one kind fine sweet feeling like this and it was awesome. Had some turbulence because of weather but it was a cool flight that day.

I was expecting seat belt error and deeper illustration of the turbulence. I said a prayer upon take off during mine as I wasn't sure how my tummy was reacting to the takeoff

This will be interesting.


Time to laugh at others while the deja vu comes back haunting

Solid breakdown.


But I’ll add something important most people still miss.
Valuation without growth is a trap.
A stock can have
Low P/E
Low P/B
High dividend yield
…and still be a bad investment.
Why? Because the business itself may be weak.


Fundamental analysis is not just about ratios it’s about the quality and direction of the business behind those numbers.


Where I think people should go deeper is
1. Earnings Growth > Cheap Price
A low P/E only makes sense if earnings are stable or growing.
If profits are declining, that “cheap” stock is just cheap for a reason.

2. High Dividend Yield Can Be Misleading
In Nigeria especially, a very high yield can signal
Price has dropped badly
Or limited future growth
In fact, some studies show high dividend yield can even reflect weaker growth expectations.

3. Debt and Cash Flow Matter More Than People Think
Plenty of companies show profits on paper but struggle with real cash.
Also, in a high-interest environment like Nigeria, too much debt can destroy value fast.

4. Macro Matters (This is Nigeria, not the US)
You can’t ignore
Inflation
FX risk
Government policies
These can make a “cheap” stock stay cheap for years.

My simple rule. Instead of just,
P/E + P/B + Dividend
I look at
Earnings trend
Debt level
Cash flow
Industry outlook
Then valuation.

All states. Perks of the job I do. Though some Na travel Nd pass sha.

ayoncox:
Of course, you are right, if I were the one I will go all in with like 25 m,there are other options outside of Treasury bill that I am well acquainted with, did one last last year for a 365 days round. The goal is actually compounding and not just one time gain, the approach is considering safest zone with 20m and running fast on 10 for scaling, the real lesson is leverage and staying safe and growing slowly until you have deep knowledge of achieving quantum leap

I understand your point and on paper, that strategy is solid.

Capital preservation with ₦20m, then using ₦10m to take calculated risks while compounding over time that’s textbook wealth-building.
But the issue is the environment you’re applying it in.

In a stable economy, that approach works perfectly. You can safely park funds, earn predictable returns, and deploy the rest into opportunities that scale.
In Nigeria today, the variables are less predictable

Inflation can quietly wipe out safe returns
Policy changes can affect even low-risk instruments.

The real sector (where the ₦10m goes) is highly unstable and cost-intensive
So while the idea of “stay safe + scale gradually” is correct, the execution risk in this environment is much higher than theory suggests.

Also, with ₦30m, this isn’t just a portfolio decision it’s a life positioning decision. That’s why some of us are leaning toward relocation or systems with more stability, even if returns are slower.
You’re thinking like an investor, which is valid.
But in this case, the bigger question is, is the environment worthy of that strategy right now?

ayoncox:
Bros it's better to be in Nigeria oh, you will just burn your money moving to UK, Use 20 million naira to buy Treasury bill and compound it, with 10 million naira start a business that is scalable, if you make the right moves you can do 50 m upwards in a year. If you need detailed explanation chat me up on 08089456258

Suggesting putting ₦20m into Treasury Bills might sound smart to the ear, but that advice really depends on the person’s goal.
Treasury Bills are safe, no doubt. But they are low-risk, low-return instruments. With ₦30m, locking away ₦20m there might preserve capital, but it won’t significantly grow wealth especially in an economy where inflation is constantly eating into value.
So the real question is what is he trying to achieve?

If the goal is capital preservation, then yes, Treasury Bills make sense.
But if the goal is growth, relocation, or improving life quality, then tying down two-thirds of your capital in a low-yield instrument may not be the best move.
At current realities, the returns from Treasury Bills may not even outpace inflation consistently, meaning you’re “safe” but still losing purchasing power in real terms.
With ₦30m, this is a life-changing decision. It shouldn’t just be about playing safe it should be about positioning for better income, stability, and long-term opportunity.


I feel treasury bill should be ruled out.

Present-day Nigeria is honestly not a very friendly environment for investment. It’s not about being unpatriotic it’s about facing reality.

Running a business here will drain you in ways people don’t always talk about. You’ll deal with unstable power supply, high cost of fuel, inconsistent government policies, and a tough economic climate.
For example, my family recently set up a business for my mum ahead of her retirement. We invested heavily, but within a few months, most of the profit was going into fueling generators. On top of that, many customers simply couldn’t afford the services anymore because their purchasing power had dropped significantly.

So it’s not just about starting a business it’s about whether your target market can still pay you consistently. That’s where many people begin to eat into their capital just to survive.

As for the UK, yes, things are not as easy as before cost of living is high and opportunities are tighter now. But when you compare structure, stability, and earning consistency, Nigeria still doesn’t come close.

At the end of the day, weigh your options carefully. But from an economic standpoint, investing in Nigeria right now even on a small scale comes with significant risk.

I thought it was democracy. People choosing not the president handpicking.

I've since many dead bodies, mutilated bodies etc... heard several stuffs most folks won't be able too. But I couldn't even listen or see this to the end. I pity the man sitting right there and listening to his tale out in the open.

maasoap:
Blood in his saliva makes all the difference.

I didn't catch the saliva part, I thought in the urine.

tiger28:

Obi has FURTHER Trapped himself in NDC.

Kwakwaso isnt going to deputize for this Weak Obi. …. As we have seen his actions yesterday.

Obi we know, who's your father or mention anyone from your lineage we can mention off.

Truth is even Tinubus sycophants knows there allegations are true and real.



But then, just like we read and hear about the corrupt ladoke Akintola and past politicians, some days generations coming will read about Wike. The truth will always be there. Anyone who have read max siollun books will understand what I'm saying.

It might be Schistosomiasis (sometimes called bilharzia).

Do you often stay close or enter water?



If you've done any of this lately, then I can bet schtosomiasis

Swimming or bathing in infected water

Washing clothes in contaminated rivers

Farming or fishing in such water.

The parasite enters through the skin, then lives in the blood vessels.


Common symptoms you should look out for,
Itchy skin or rash (early stage)
Fever and chills
Abdominal pain
Blood in urine or stool



Go to an hospital and run tests though.

You killed someones child, uncle, parent and loved one.

We4all:
When I first watched that video, one question was on my mind: 'what gave that officer the confidence to shoot that boy in broad daylight'?

People insinuated that it was because he was trying to cover up something, and I thought to myself, if that is the case, he would take him somewhere else to shoot him and not do it at the park.

While I am not holding brief for that police for his jungle justice style of killing that man, that guy is not as innocent as portrayed. It has been established that he came to the park to waybill the gun to his friend and not pick it up. He stuffed the parcel with baby clothes to trick the driver, but was bursted.

Now it is being alleged that the gun belongs to a late MOPOL officer that was killed during endsars. Perhaps, that was what triggered the officer to take justice into his hands.

Regardless, I have never been in support of jungle justice, but I am also wondering how many people have been killed with that gun.

DCP placid confirmed the gun is a fabricated hence the idea of endsars mopol is ruled out. I believe he's just a power drunk cop who as been doing it for long and he grew wings more without no fear of constituted authority. That dude was handcuffed and obviously harmless, and is killing didn't do not good. With him alive, they could have gotten the other members of the syndicate. The cop is an outlaw and isn't fit to be called a cop.

Sheuns:
Una don Dey use AI give am past?

As in...... Very disgusting folks

Anything but 6.

I can bet Tinubu was reading this from a script placed in front of him.

Even okpebholo dey talk.

What a pity an educated man as been reduced to this.

To be a Nigerian now is far from a clever prayer point.

Eteo:
Nobody tells the females that while they think they've gotten a prayer partner, what they ve actually gotten is a prayer point.

Nobody tells the females that marriage is a lifetime of unending adultery, heartbreak and loneliness..

Nobody tells the males that being a responsible husband is not just about providing food but providing companionship and leadership.

You've said nothing.