Phones › Phones Are Audio Able Only On Speakers by pafra(op): 4:08pm On May 08 |
This days it's difficult hearing the caller from the other end on a normal call. My phone have to be on speaker to be audio able. I thought my device have audio problem until I got same complain from colleges.
What could be the cause of this issue? |
Education › Re: JAMB Adjusts 2026 UTME Schedule by pafra(m): 1:24pm On Apr 14 |
With All the insecurity all over the country, you still expect children to be on the the road before 6 am.
8 am could have been better |
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by pafra(m): 4:14pm On Mar 03 |
Stockpromoter: Agba,this is a good improvement on my side. You can learn one or two from it too. Insurance sector is my area of concentration these days.Many people here will benefit from it very well.
This Loco index structured framework is a working tool for perfect trading in the insurance sector only.
You are doing well. I have been following with interest. Keep doing what you are doing. I have learnt a lot.
Don't allow any body discouraged you. They will come for you but remain focused
I trade all insurance stocks and this is a guide.No monkey hunting.Just disciplined trading. |
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by pafra(m): 1:25pm On Feb 26 |
[quote author=megawealth01 post=138590397]You were caught up in the reconstructions be that?[/quo Guy, my money turn dust. Nobody is talking about jazi because is a bank but quick to mention others as fraud . There is something not right about this price movement. |
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by pafra(m): 1:17pm On Feb 26 |
megawealth01: That's how UNITY BANK will go ooooo Don't remind me of unity bank. Its a bad memory |
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by pafra(m): 12:52pm On Feb 26 |
Agbalowomeri: Somebody was marketing this JAIZBANK to me late last year
I just said the guy no sabi wetin he dey talk. This market to whyn you  Why is nobody asking which fundamental is driving this stock up? Something is not right about this price movements. I smell internal manipulation |
Travel › Re: US to partially suspend visa issuance to Nigerians from January 1, 2026 by pafra(m): 3:01pm On Dec 23, 2025 |
Flangelo12: Nor even the holy but "Genocided" Christians? Is there genocide in other countries with visa restrictions  Use your brain before them use am for you |
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by pafra(m): 7:19am On Nov 05, 2025 |
I generally avoid responding to uninformed comments, but I’ll make an exception here to educate you and others who might share your misconceptions.
1.A 0.25% dip on the NGX yesterday is perfectly normal and not cause for alarm. The stock market is cyclical by nature. it oscillates over time, and such minor pullbacks are part of a healthy market pattern.
2.Many, like you, expected the index to plunge by 3% or more because of the noise on social media over the U.S. President’s comment. However, major participants in the Nigerian stock market understand that the likelihood of any U.S. military action against Nigeria is extremely low.
3.Q3 earnings expectations were already priced in over the past three weeks. Profit-taking after results season is expected. The mild bearish trend now simply signals that the Q3 euphoria is over, and the market will likely oscillate between now and February 2026, when audited results start rolling in.
4.Portfolio reshuffling and optimization are common at this time of year, as institutional investors rebalance their holdings ahead of the new cycle.
5.A 0.25% decline doesn’t reflect fear or panic. New or inexperienced investors like you making noise on social media often expect the market to move in one direction without corrections. Yet, yesterday’s trade value clearly shows that the big players remain active and are positioning for long-term value ahead of 2026.
6.Unfortunately, most of the noise online comes from people who don’t understand how the Nigerian market truly works.
7.For context, the NGX has seen a single-day drop of 1.66% this year, wiping off nearly ₦1.064 trillion in value and it still recovered afterward. The market will always go up and down. That’s how it works. No this and no peace!
COPIED |
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by pafra(m): 3:00pm On Oct 31, 2025 |
Streetinvestor2: News concerning CGT from a moniker here would have been wonderful news Then again the moniker and lie na 5 and 6. So the news dey enter my phone as error error.... I did not call any name.
Nevertheless, this government sabi revisal as na try and error government in many things Most investors will prefer to get 70% profit than zero % of profit. Stocks are passive income to many I think this matter is over stretch |
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by pafra(m): 11:22pm On Oct 24, 2025 |
Odunharry: Greetings. You can start with any of the stockbrokers Investment One, Stanbic, Morgan capital, Codros etc. I'd suggest any of the first three. Visit their website for more information on how to register.
I can't paste links because of anti-spam bot. . How about bamboo, any disadvantages in using it? |
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by pafra(m): 6:04pm On Oct 16, 2025 |
Megapower: That is correct! ✅ Where did you learn this economic from? Let's remember that lower inflation figures does not mean that prices are reducing or dropping in the market. It only means that even though prices are increasing, the rate of increment is lower compared to prior year i.e. prices are increasing at a decreasing rate. |
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by pafra(m): 5:22am On Oct 11, 2025 |
Bukkydudu: Good day everyone. Please is Lead security and investment still in operation? I've tried getting across to them by mail but unfortunately , no reply to my mails for up to 3 weeks. I tried to login in to their App, it was futile too. Secondly, can someone put me through how to change my stockbroker and move my shares from Lead capital? customerservice@leadcapitalng.com Send mail to the above. They are still in business, their response is swift |
Politics › Re: Tinubu’s Reforms Yielding Results, But Gains Not Felt By Nigerians – World Bank by pafra(m): 3:45pm On Oct 10, 2025 |
tosyne2much: If I may ask, what about the price of garri, tomatoes and yam crashing?
Are they also being smuggled from other countries through the back door of the border? Yam is expensive. My major business is yam the price is still the same. Garri is around 2k is it cheap? Think well. Rice is not smuggled it's imported by APC government. Note:. 139 million Nigerians are poorer, it's about the money in your pocket "disposable income" What can you by with your salary. Buying bread N500 is a luxury when there is no money in your pocket. With increasing insecurity, farmers going to farms have reduced. Nigerians are poorer and you are talking of food prices crashing. Think well |
Investment › Re: Nigerian Stock Exchange Market Pick Alerts by pafra(m): 12:19pm On Oct 10, 2025 |
emmanuelewumi: People don dey hustle for Detty December na. The hustle is real This could be the time for this sleeping giant to raise |
Investment › Re: Your ₦1 Million Invested In The ICT Stocks On 2 January 2025 Vs Other Sectors by pafra(m): 5:43pm On Oct 09, 2025 |
You should have excess funds to invest in stocks . Investment in stock is profitable when you invest large sum |
Politics › Re: Tinubu’s Reforms Yielding Results, But Gains Not Felt By Nigerians – World Bank by pafra(m): 6:20am On Oct 09, 2025 |
tosyne2much: If I may ask, what about the price of garri, tomatoes and yam crashing?
Are they also being smuggled from other countries through the back door of the border? We sell yams. I sort the yams my wife do the selling the price of yam have not changed its about the most expensive food for now. We will make conclusion by the end of October when Nasarawa and Benue State begin to harvest. But the price for now is crazy. Is better you go for beans and rice. I farm and trade agriculture products I give you what is obtainable. "The Nigerian government has taken bold steps to stabilize the economy, and these efforts are beginning to yield results. But macroeconomic stability alone is not enough. The true measure of success will be how these reforms improve the daily lives of Nigerians—especially the poor and vulnerable.” . The above is world Bank report I just copy on Naira land front page the title is "debt to GDP ratio" this is exactly what I told you. I am an economic not an opposition. |
Politics › Re: Coastal Highway: Again, Umahi, Rufai Oseni Engage In Heated Argument (Video) by pafra(m): 8:20pm On Oct 08, 2025 |
Bobodee09: We are talking about multi million and billion dollar that takes years to execute,this one is comparing 5 thousand naira job he does for his customers. APC done format your brain. No body knows the cost until is complete. |
Politics › Re: Tinubu’s Reforms Yielding Results, But Gains Not Felt By Nigerians – World Bank by pafra(m): 7:40pm On Oct 08, 2025 |
KennethOkonkwo: There is a difference,your knowledge of basic SSCE economics is just poor.
There is a difference between MICROECONOMICS and MACROECONOMICS
All macroeconomics indices have been excellently improving...and at the microeconomics level,food prices are actually crashing,politics apart,but we haven't gotten there yet.The government need to do more You are funny it is the micro that make up the macro. Eg the family, the firm, the individual . Until the micro begins to work or function properly forget what ever gain is made on the macro level. On food prices crashing down, what you see is the deceit of APC government. They have started importing grains through the back door. Rice farmers are badly hit as all of them are harvesting and counting Thier lost, some vowing never to farm rice again. The effect of the rice import impact other grains . That is why you have not seen significant reduction on food inflation. The effect of Dollar to Naira stability is something that I am still watching. The coming days will give a better view of what is happening |
Politics › Re: Coastal Highway: Again, Umahi, Rufai Oseni Engage In Heated Argument (Video) by pafra(m): 6:21pm On Oct 07, 2025 |
Bobodee09: Once only a dumb person will ask for the cost of project that hasn't been completed.
Severally times during big project cost are reviewed upward or downward depending on the different factors Bricklayer, give us the cost with the current bill without variation. My client will always ask me to give them cost per kilometre, it's nothing difficult. I am sure you have never handle a project. I can't argue with you again. Until you understand bill of quantities, keep the argument with your keyboard. Note the minister did not say it's impossible but they are in the process to arrive at cost per kilometre . You see your life? I not sure you are an engineer if you are State your Coren number |
Politics › Re: Coastal Highway: Again, Umahi, Rufai Oseni Engage In Heated Argument (Video) by pafra(m): 4:40pm On Oct 07, 2025 |
Bobodee09: Is funny when people who don't know nothing about engineering argue with engineers.
The cost of building 3 bedroom in lekki isn't the same with building it ajah....no one can tell actual the cost....you can only project.
If he tells you the cost and midway price of cement goes up ,what will happen??
Is only in Nigeria you will people with zero knowledge telling you light is constant more during raining season and you that wrong ,they will be arguing with you.
Which engineering you do? He is asking for the cost of costal project only.
The minister is avoiding the question for reasons best known to him. As for you, an engineer, it's unfortunate that you can not tell the average cost of the project . |
Education › Re: Should You Learn Digital Marketing In 2025? 7 Powerful Reasons by pafra(m): 5:27pm On Sep 20, 2025 |
I want to learn how do I get started?
How do I learn digital marketing |
Investment › Re: Treasury Bills In Nigeria by pafra(m): 7:59am On Sep 16, 2025 |
A305: I infact did justice to your earlier question by painting a broader picture.
To outline each:
For point Number 1
When government raises enough tax, it doesn’t need to borrow recklessly. And if it doesn't borrow, No pumping money into the economy, meaning prices of commodities will not raise and in simple answer, No inflation or presence of minimal healthy inflation. So yes. Efficient Taxation reduces inflation. Keyword here is "Efficient Taxation".
For point Number 2.
A healthy vibrant economy don't need FPI to stabilize FX, rather what the economy needs is FDI to create jobs and multiplier effects in economy hence that in itself will boost the economy, reduce inflation and strengthen the currency. The petroleum tax if implemented will in no way be enough money to boost the economy to one trillion dollar economy. With that in mind internal borrowing will continue. Note, TB is local borrowing don't allow any body confuse you. Its an economic tool that is very important for many economic reasons. FPI will pull out their money if TB is no longer lucrative when demand for TB is low CBN have no option, they will increase the interest rate to attract FPI. Diversifying the economy will improve the country earnings then, reduce any form of borrowing and a better stimulus to the economy. They have done their best, but can never go further from here with taxes. A lot have to be done |
Education › Re: The New Age Hustle: Why Lagos Youths Now Prefer Tech Skills To University Degree by pafra(m): 11:02am On Sep 14, 2025 |
SQLmastar: Hey, I totally get where you're coming from, and you're spot on about "Nigerian" tendency to herd everyone into one path like tech's the only golden ticket. There's a whole world of opportunities out there—finance, healthcare, biotech, supply chain, cybersecurity, compliance, you name it, and they can be seriously lucrative and fulfilling. You're preaching truth there!
Secondly, while AI would definitely replace tech roles such as coding and data analysis; AI isn’t quite the grim reaper for project management and product management. Those roles are super human-centric—think wrangling teams, aligning stakeholders, or steering the vision of a product. AI can assist with data crunching or automating tasks, but it’s not sitting in the driver’s seat for those anytime soon. The nuance, the gut calls, the people skills? That’s still a human game.
Also, just a quick note—those sectors you mentioned? They’re not tech-free zones. Finance leans on fintech platforms, healthcare uses medical software, supply chain runs on logistics tech, and cybersecurity and compliance are tech’s bread and butter. Even project and product management often rely on tools like Jira or Trello to keep things humming. So, tech’s more like the engine powering these fields, not a separate lane.
Great points overall, though—diversifying career paths is the way to go! What do you mean by cyber security is tech bread and butter? How about a degree in cyber security? Which institution in Nigeria is best for this course? You sincere reply will be appreciated |
Investment › Re: Treasury Bills In Nigeria by pafra(m): 7:58am On Aug 27, 2025 |
Ivan18888888888: Hello pls can someone help me list the current rate for secondary market for most banks for treasury bills The rates are not fixed. They give you what is available for the day is between 8 am to 1 pm every day. Today rates can not be tomorrow's rate |
Investment › Re: Treasury Bills In Nigeria by pafra(m): 7:52am On Aug 27, 2025 |
Gosh234: My August bid of 1.5M for 182days wasn't successful, I really don't know why
The amount is too small? Go for secondary market. Same happened to me. You will be given options to choose from trust me you will be glad you did. |
Education › Re: Which Of These Courses Should He Choose? by pafra(m): 1:39pm On Jul 24, 2025 |
Zocalite: It depends on your state So long as It's in Nigeria. I mean university that are top when it comes to ICT |
Education › Re: Which Of These Courses Should He Choose? by pafra(m): 1:37pm On Jul 24, 2025 |
elbulk: Coming from a professional of over 15 years, he should take Information Technology or Software development. Fun part is with either of this, you will still do programming courses as you will need to understand them to be a wholesome professional. These are the closest to his first choice. Truth is I prefer a degree in IT to one in Computer Science. Kindly advice on the best institutions that offer ICT in Nigeria. |
Education › Re: Which Of These Courses Should He Choose? by pafra(m): 1:34pm On Jul 24, 2025 |
elbulk: Coming from a professional of over 15 years, he should take Information Technology or Software development. Fun part is with either of this, you will still do programming courses as you will need to understand them to be a wholesome professional. These are the closest to his first choice. Truth is I prefer a degree in IT to one in Computer Science. Kindly advice on the best university for ICT. In Nigeria |
Education › Re: Which Of These Courses Should He Choose? by pafra(m): 1:23pm On Jul 24, 2025 |
Zocalite: If you bro is really interested in computer sci education, and they didn't offer him in futa, he can go another sch eg private university and also he should attend good ict institute Please examples of good ICT institution? |
Politics › Re: FG, Dangote Strike Deal To Cut Down Fuel Prices by pafra(m): 12:49pm On Jun 26, 2025 |
surgical: This goes to show the government is behind the obscene fuel price hike,it is an abnormal increament in price orchestrated by the government in his crazy bid to increase revenue generation not minding the catastrophic effect it will have on the economy Cruel people in leadership positions destroy a nation I agree with your submission. The reduction would not be significant to impact the economy in relationship to the damage done by the increase. |
Politics › Re: FG, Dangote Strike Deal To Cut Down Fuel Prices by pafra(m): 12:45pm On Jun 26, 2025 |
patrickmuf: It is quite easy to stop crude oil theft. The quantity of fuel lost to theft can be supplied to Dangote at a discounted price for local consumption only. So we can sell to Dangote at the international market price for his export and the one for local consumption, the government can subsidise it...
The fuel lost to theft can be channelled to local consumption if the government is serious about stopping crude oil theft. After all, the stolen crude does not contribute to the nation's economy, so why not stop the theft and sell the crude, which is seldom lost to theft, at a low cost, in agreement that it sells to the local market at a very low cost. You mentioned,"if the government is serious." don't forget we are OPEC Nation. The government that can't stop the bandits and terrorist can not stop oil theft. You will be disappointed if you trust this government. They romance with Dangote is for political reasons 2027. I saw it coming it wouldn't benefit the common man |
Politics › Re: FG, Dangote Strike Deal To Cut Down Fuel Prices by pafra(m): 11:24am On Jun 26, 2025 |
This government are confused. You remove subside . You want to bring down petrol pump price, how? |