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SamuelLoch's Posts

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AutosRe: Foreign Used 97 Honda Accord With First Body ,freezing AC, Manual Gear For 850k by SamuelLoch: 9:50am On Aug 23, 2020
psalmz:
you calling this car thing,I should sell it for 400k,cos u don't know cost of shipping and clearing
You shipped and cleared a 1997 car? How?
AutosRe: Foreign Used 97 Honda Accord With First Body ,freezing AC, Manual Gear For 850k by SamuelLoch: 9:49am On Aug 23, 2020
OP, this is 2020. This car is 1997 Honda Bull Dog, even Honda Baby Boy and Accord 03-04 that is not at par with this is not this expensive.
Even Toyota Tiny Light and some Camry 03-04, that can't be compared to this is not as expensive as this.
I'm not spoiling your thread, I'm just waking you off your dreams.
CultureRe: Bad Habbits We (nigerians) Have In Common by SamuelLoch: 12:34am On Aug 23, 2020
No be lie. You nailed it!
AutosRe: N1,200,000 or Less Tokunbo Cars by SamuelLoch: 7:35am On Aug 20, 2020
eHydrated:
Funny thing is; the fix was done like last week Thursday. Car runs great and the dashboard is cluster free. I had written this off but the dude didnt even care to check up on. I cudnt let dat shit slide, it aint abt the money.
You would have to let it slide. I and many others here were thinking your car wasn't running fine but since you've attested that the car runs great please let's move on to "Welcome to Nigeria" and "closed deals"
I would have also said "sorry about the additional cost" but you already said "It ain't about the money"
CelebritiesRe: Samuel L Jackson & Wife Celebrate Their 40th Anniversary by SamuelLoch: 8:27pm On Aug 19, 2020
"Modafuc*er"

This man was born to be an actor, seriously cause he's so good at it.
AutosRe: N1,200,000 or Less Tokunbo Cars by SamuelLoch: 8:12pm On Aug 19, 2020
Now off-Nairaland settlement would be better. Reading pages with proof of what the case is/was wouldn't be a nice thing.
CelebritiesRe: Bbnaija 2020: Laycon Abandons Erica For Vee by SamuelLoch: 3:29pm On Aug 13, 2020
poshbussy:
It's better for him, because prior to now his attention has been drifted...
FTC for the first time ever
This thread has not made it to the front page and you're saying FTC.
Wait till the thread gets to the front page.
For now your FTC is not acknowledged
CelebritiesRe: Bbnaija 2020: Laycon Abandons Erica For Vee by SamuelLoch: 3:23pm On Aug 13, 2020
Telegram234:
But wait o.
What do people gain in dat show sef.
Do you know that you can completely ignore BBNaija if you're not a fan.
Biko, let us enjoy our reality tv show
CelebritiesRe: Bbnaija: Why My Boyfriend Broke Up With Me –nengi Tells Biggie In The Diary Room by SamuelLoch: 2:34pm On Aug 11, 2020
La click la...

ProgrammingRe: I Want To Start My Blog by SamuelLoch: 2:10pm On Aug 11, 2020
What is your blog about?

When you're ready to employ an article writer, just send me a message...
AutosRe: N1,200,000 or Less Tokunbo Cars by SamuelLoch: 9:03pm On Aug 09, 2020
isobrian:
1.2M? Is the vehicle fully cleared ?
You must be new here. Am I right?
ComputersRe: Help A Brother To Choose A Good Low Budget Laptop by SamuelLoch: 2:19pm On Aug 09, 2020
This doesn't mean that without 100k you can't get this specs. If you view the screenshot again, you would notice it was run as a VIP ad.
ComputersRe: Help A Brother To Choose A Good Low Budget Laptop by SamuelLoch: 2:09pm On Aug 09, 2020
ifeolamide00:
do you think I can get one for that price?
I just found a sample of the spec I listed above on

Don't be bothered about the budget, just read the details.

Please, I do not vouch for the seller. I only provided the screenshots so you can read through.

ComputersRe: Help A Brother To Choose A Good Low Budget Laptop by SamuelLoch: 10:22am On Aug 09, 2020
ifeolamide00:
I don't really know much about laptops to be honest, I have mainly watched movies on them ➕ budget is around 65k
This is 2020 getting a laptop with a spec of 8GB RAM, 500Gb space, 2.4GHz or above processor, a battery of at least 4hrs time and overall lite weight is fine.
Could be Windows 8.1 or Windows 10 or better still Linux.
ComputersRe: Help A Brother To Choose A Good Low Budget Laptop by SamuelLoch: 1:41am On Aug 09, 2020
Dell or Asus won't disappoint you.
I guess you know your specs and budget, so you'd answer that yourself.e
Jobs/VacanciesRe: Part Time Online Jobs. Application Deadline Is 15/08/2020 by SamuelLoch: 1:30am On Aug 09, 2020
Bookmarked
BusinessRe: $1 Daily, No Investment. by SamuelLoch: 4:54pm On Aug 06, 2020
mrgana1:
Even if I tell you it is real you may not believe me until you register and I will guide you on you can contact some Nigeria guys earning on the for atleast two years back. I joined since 2017 and I am still active till now. If it is not real I won't be there till now. You don't need anything to withdraw your money you can withdraw as low as $5 but I do withdraw at the end of the month which is usually$30 or $25 . I spend very little to daily to earn this. The choice is yours.
Please I hope email address is fine. WhatsApp isn't up and running.
I would PM you
CareerRe: A Day In The Life Of An Aspiring Financial Engineer by SamuelLoch(op): 8:00pm On Jul 26, 2020
SamuelLoch:
[size=18pt] NB: This is going to be in-form of a thread; I would update continually.
Straight to business, I like to set things straight first. I have noticed that many refer to Financial Analysts, Financial Planners, Financial Advisors, and Financial Engineers as the same person, with thoughts that they are all doing financial analysis. I’m glad to tell you that, you’ve had it wrong all this while. I would throw light on this in another thread.
[/size]
I just posted an article that throws light to the hidden differences between the personnel mentioned above. Here's the link

https://www.nairaland.com/6016614/difference-most-talked-about-financial-personnel
CareerThe Difference Between The Most Talked-about Financial Personnel by SamuelLoch(op): 7:57pm On Jul 26, 2020
In this article, I would state briefly, the difference between some mismatched fields in the finance industry.

A. Financial Advisors

A financial advisor is a professional who advises others on the value of securities of an investment for a commission. Broadly, a financial advisor is a person who analyzes in other to help people make better decisions around money matters, personal finances, and investment. They are sometimes referred to as financial educators because they provide general education and not biased advice. Financial advisors listen to your situation and give advice that is tailored to your situation. Financial advisors exclude bankers, lawyers, reporters, professors, brokers, and dealers because their advice is judged to be biased or manipulative or incidental to their businesses.



B. Financial Planners

A financial planner is a professional who prepares comprehensive planning for an individual or organization, in other to help them meet their financial objectives. Financial planning involves budgeting, investing, saving for retirement, tax planning, insurance coverage, and more. To become a financial planner, you must be certified by organizations such as the Certified Financial Planner Board which was designed to certify experts as Certified Financial Planner (CFP) in the United States in 27 countries outside the United States.



C. Financial Analyst

A financial analyst is a professional who examines financial data and use their findings to make business recommendations for companies. The financial analyst creates financial models from large amounts of financial data that can predict the outcome of certain business moves. Financial analysts play a significant role in providing decision-makers with the information they need to increase revenue and manage assets successfully.



D. Financial Engineer

A financial engineer is a specialist who uses mathematical techniques, methods of engineering, and the practice of programming to solve financial problems. Financial engineers make use of tools from multidisciplinary fields which involves computer science, statistics, economics, and applied mathematics to solve financial problems.

Most times, financial engineers are busy working on models to predict how an investment tool will perform, and assessing the risk in each product considering the volatility of the market. Financial engineers majorly work with insurance companies, hedge funds, banks, asset management firms, and rating agencies. Proprietary Trading, Risk Management, Portfolio Management, Derivatives and Options Pricing, Structured Products, and Corporate Finance Departments are some of the known places where financial engineers.

This is not a well-detailed post to clarify the difference between these mismatched fields, I insist that you read further. I intend to raise the awareness that these three are not the same.

Nairaland GeneralRe: Happy Birthday To Me by SamuelLoch: 9:58am On Jul 26, 2020
Happy birthday!
Many happy returns of the day!
Long life and prosperity!
RomanceRe: Things People Say Because Their Friends Also Say So by SamuelLoch: 11:28pm On Jul 23, 2020
Number next: "I don't celebrate my birthday"
EducationRe: Please Help Me Beg Ielts To Refund My Money by SamuelLoch: 10:52pm On Jul 22, 2020
I can't say you've been scammed, but that email doesn't accept replies and I think you're chatting with a bot.
Visit their website and get the main email address, then send a well-structured mail. Good luck!
RomanceRe: Things People Say Because Their Friends Also Say So by SamuelLoch: 10:09pm On Jul 22, 2020
4. "See lemme just say this..." or "See lemme tell you what you don't know..."
Jobs/VacanciesRe: Competent Blogger Needed For A New Blog. Closed by SamuelLoch: 9:56pm On Jul 22, 2020
pweedie:
Hi. I need a blogger, just one for my new blog. It's about entertainment, news, celebrities and so on.

What I can afford now is 12k.

10 posts per day with no plagiarism. Knowledge about SEO and keywords.

Contact me on WhatsApp 08156266025. Thanks
Hi pweedie, I sent you a message already. Would be great to work with you!
RomanceRe: Things People Say Because Their Friends Also Say So by SamuelLoch: 9:52pm On Jul 22, 2020
2. Half bread is better than none
CareerRe: I Need Help On How To Drive A Manual Car by SamuelLoch: 3:12pm On Jul 22, 2020
rottable:
Hello Nairalanders, I can drive automatic cars very well but the issue I'm having is the manual cars, which has been made compulsory where I work. I don't really have much money, I should have gone to driving school.

I will be glad if anybody in Lagos can teach me how to drive manual cars for a token of 2-3k. It won't take long since I can drive automatic cars already. You must your own car, it will only be for some hours.

I just want to learn how to use gear and the clutch aspect. I watched the video on YouTube, but I want to praticalise it. Thanks
OP, I don't know what's up with you.
But I actually learnt how to drive manual and automatic myself. I didn't go to any driving school, neither did I have an instructor next to me. I simply observed my dad, and every other drivers including Danfo drivers. Then, I complemented it with video tutorials from YouTube, and that was all.
It wasn't magical, I fell into a gutter, and that was my first and last accident, asides stupid Okada riders hitting the mirror or something like that.
CelebritiesRe: My Mom Gave Birth To Me In A Car While Driving – Neo Akpofure by SamuelLoch: 8:38pm On Jul 21, 2020
Dude talks way too much, and when you do, we assume you're feeding us with excesses and lies.

I'm enjoying this Big Brother Naija sha
CareerA Day In The Life Of An Aspiring Financial Engineer by SamuelLoch(op): 3:03pm On Jul 21, 2020
NB: This is going to be in-form of a thread; I would update continually.
Straight to business, I like to set things straight first. I have noticed that many refer to Financial Analysts, Financial Planners, Financial Advisors, and Financial Engineers as the same person, with thoughts that they are all doing financial analysis. I’m glad to tell you that, you’ve had it wrong all this while. I would throw light on this in another thread.
Back to financial engineering. Some would probably be hearing this for the first time, some would be wondering if engineers now work at financial firms. Let me take you out of your wonderland.

A financial engineer is a person who uses his/her multidisciplinary skills/knowledge involving financial theories, mathematical models, methods of engineering, and practice of programming to provide solutions to problems in finance. A financial engineer is sometimes referred to as a quantitative analyst (or Quant, for short).

Unfortunately, financial engineers would have different activities throughout their 24 hours and 7 days. I intend to share some things we have in common.

Programmers are always thought of to be some nerdy-looking ‘guy’ who’s always on his computer. That’s true sometimes, but programmers have varieties of activities like taking online courses to stay up-to-date, watching recorded tutorials, attending webinars, participating in online forums to learn and teach, participating in competitions online, reading books that matter, playing games (we learn a lot from games too), seeing tech-wise movies/series, and of course, figuring/trying out codes on the computer, building/developing ideas, and most importantly, working on projects.

These are just some of the many activities of a programmer.
Back to the aspiring financial engineer. Taking up a field that has less-support, with no mentor in the exact field, as a self-taught, and with really-expensive paid for courses can be really exhausting. You’re mostly confused with switching or settling for less. But the huge figures posted on indeed, glassdoor, payscale, and the likes, is another motivation to keep the dream together.

No field has it easy, but the level of complications is totally different from becoming a financial engineer/a quant. Every time you come across a new skill or approach on how to do it the right way, you automatically decrease your level of proficiency and dexterity. The bad news is there’s always a new skill or approach on how to do it the right way.

This is my open application to have many financial engineers, advisors, analysts, and planners as friends and mentors. The journey may be tough but we will get there someday!

To be continued…

CareerThe Nerve Behind Goldman Sachs by SamuelLoch(op): 8:45am On Jul 19, 2020
Many of us at a time once had aspirations to work at a top-ranking financial firm, Goldman Sachs is a name we respect anytime. But there were steps Goldman Sachs took to climb up that ladder, to be a part of our dreams. I intend to share some of those steps that I discovered.

Goldman Sachs before it’s financial crises was maybe the most esteemed investment bank in the U.S, at the time. What was behind Goldman Sachs? Principles!
Number one, making money always, and no exceptions. Nothing was done for prestige, but indirectly, of course, they want prestige because that would help the business.

Number two, sense of loyalty, absolute loyalty to the firm, and to the partnership.

Number three, personal anonymity, this is like a core value to the firm. You don’t go around flaunting your name, you flaunt Goldman Sachs. This was the Goldman Sachs culture and it worked! According to Charles Ellis, in his book called “The Partnership”, the real culture of Goldman Sachs was a unique blend of a drive to make money and the characteristics of a family, in ways that the Chinese, Arabs, and old Europeans would well-understand.

John Whitehead (1922–2015) was the chairman of Goldman Sachs for 38 years. Some of his guidelines were,
1. The boss usually decides — not the assistant.
As a young/new employee at Goldman Sachs, if you need to pull some strings and you call up a big company, you demand not to talk to the Assistant Treasurer/whoever, but the CEO or someone with a high rank. That nerve wasn’t magical, because Whitehead already made it clear that, “you’re at Goldman Sachs, you talk to the CEO”

2. You never learn anything when you’re talking. So, asides from the pride that comes with working at Goldman Sachs, John Whitehead also wants you to be a good listener.

3. The respect of one person is worth more than an acquaintance with 100.

4. There’s nothing worse than having an unhappy client. Goldman Sachs has had days of dishonest marketing, but they found ways to make the client satisfied. Goldman Sachs was reported in the news some time ago to have paid $5 billion for dishonest marketing of mortgage securities. This principle protects its reputation.

CelebritiesRe: Mercy Eke Says She Didn't Spend Her N30M Bbnaija, Discloses What She Did With It by SamuelLoch: 8:37pm On Jul 18, 2020
LA click la...

PoliticsRe: Who failed this young beggar in this picture ?? by SamuelLoch: 5:17pm On Jul 18, 2020
The government, the society and the parents
ProgrammingRe: Data Structure And Algorithms Programmers Needed For A High Paying Gig by SamuelLoch: 5:02pm On Jul 18, 2020
Can a junior data scientist apply? #python
My experience includes data pre-processing, EDA etc. till data processing for ML.

I do get support whenever the work seems difficult and with the help I fix the gig as expected within the timeframe.

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