₦airaland Forum

I work at Bamboo. This is general information, not investment advice.

The point about devaluation is fair. When the naira weakens against other currencies, the same nominal amount buys fewer imported goods and less of anything priced in foreign currency, which is part of why ₦1 million does not stretch as far as it used to. It helps to separate this from inflation. Inflation is a general rise in local prices over time, while devaluation is a change in the naira's value against other currencies. The two often move together and compound each other, but they are not the same thing.

Because of this, many people think about how much of their savings sits in naira versus other currencies or asset types, not to avoid risk entirely, but to reduce how exposed their overall savings are to any single currency's movement. Understanding how devaluation and inflation actually work is a useful first step before deciding what mix makes sense for your own situation.

I work at Bamboo. This is general information, not investment advice.

An IPO is when a company offers shares to the public for the first time, and the actual terms only become final once a prospectus is filed and approved by regulators. Details circulating before that stage, including currency options, are usually speculation until the company and its advisers confirm them officially.

Once a public offer opens, interested investors submit a subscription for the number of shares they want, but submitting an application does not guarantee an allotment. How many shares you actually receive depends on how the offer is subscribed overall, and if it is oversubscribed, applicants may get fewer shares than requested, with any excess funds refunded.

If you want to understand how public offer subscriptions generally work, this overview may help: https://faq.investbamboo.com/en/articles/15395067-about-public-offer-and-rights-issue-subscriptions

I work at Bamboo. This is general information, not investment advice. Worth noting that all the banks mentioned here are listed on the Nigerian Exchange (NGX), so profit figures like these are one of several things people look at when researching bank stocks. On their own, profits do not tell you whether a share is attractively priced. Readers often also check the price to earnings ratio, dividend history and payout consistency, and how the profit compares to the bank's total assets or equity, since a bigger naira profit does not always mean a better return for shareholders. Annual and half year reports, published on each bank's investor relations page and on the NGX website, carry the full breakdown behind these numbers. Anyone looking to invest should form their own view based on that fuller picture rather than the profit ranking alone.

I work at Bamboo. This is general information, not investment advice.

When comparing savings products, a few mechanics matter more than the headline interest rate. Check whether the rate is fixed or variable, whether interest is paid upfront or at maturity, what penalty applies if you withdraw early, and who actually manages the funds behind the product. It also helps to compare the minimum amount needed to start and whether the return is simple interest per annum or compounded.

Locking funds for a set tenor, as several platforms allow, can support saving discipline, but it usually comes with a reduction in interest if you liquidate early, so that condition is worth reading closely before committing money for a fixed period.

For anyone curious how a fixed-tenor savings product with upfront interest works in practice, Bamboo's Naira Savings publishes its full terms, including its early withdrawal condition, here: https://investbamboo.com/naira-savings

Whichever platform you use, confirming who regulates it and how funds are held is worth doing directly with that platform's own support team.

I work at Bamboo. This is general information, not investment advice.

When comparing savings or investment apps, a few things matter regardless of which one you're looking at. First, understand what your return is tied to: a fixed rate agreed upfront, or a return that moves with the performance of an underlying fund or money market instrument. These behave differently, especially when market rates shift.

Second, check the liquidity terms: what happens if you need the money before the agreed date, and whether there's a fee or reduced interest for early withdrawal. This varies by product, so it's worth reading the actual terms rather than a summary.

Third, verify who regulates the platform or the underlying fund manager directly with the regulator, rather than relying on a description. In Nigeria, the SEC's public register is a good starting point: https://www.sec.gov.ng/for-investors/find-a-registered-operator/?query=Bamboo

For context, Bamboo's Naira Savings product lets you lock funds for a chosen tenor with interest paid upfront, in case that's useful as another data point when comparing structures.

Whichever platform you're weighing, the return type, the liquidity terms and the regulatory status are the things worth confirming for yourself.

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Please where can I get Rock Wool to buy in Lagos.

Thanks

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Please anyone has any idea about the CMS application www.234next.com or www.businessdayonline uses.
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Hello,
My name is Akinrelere Idowu T. and I am the president of Get Inspired Nigeria (GiN).
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Get Inspired Nigeria is a youth organization with the sole mission To contribute towards the Advancement and Development of our Nation Nigeria by Harnessing, Creating and Providing necessary Avenues and Resources for Young Nigerians to Develop Leadership, Self, Entrepreneurial, Social and Political skills necessary to create positive changes.  Thus leading to the Advancement and Development of our Nation Nigeria. Its main aim is to develop qualified people. People better able to meet, understand and cope with global challenges of the future.

The maiden project of our organization is an online, internet based Audio Broadcast Station/Resource Portal www.getinspiredng.com. www.getinspiredng.com is comprised of three sections: An Audio Broadcast section which broadcasts MOTIVATIONAL, EMPOWERING and INSPIRATIONAL talks and speeches from notable individuals and renowned speakers from Nigeria, an e-Library where users can Download ebooks freely. The e-Library is fortified with e-books on subjects on empowerment, business, finances, investments, career, self development, interviews, jobs and much more.
There is also an Online Interactive Article Blog in which Users can Post Informative, Empowering  articles on business, finances, investments, career, self development e.t.c. users can also ask questions, rub minds, share thoughts and ideas with great minds, offer solutions to personal and national challenges.

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Yours faithfully,
Akinrelere Idowu T.
President, Get Inspired Nigeria (GiN)
admin@getinspiredng.com
(+234) 0803-949-6504

Hello,
My name is Akinrelere Idowu T. and I am the president of Get Inspired Nigeria (GiN).
The [b]GET INSPIRED NIGERIA (GiN) [/b]project was initiated by a group of Young Nigerians who have been set free from the limitations imposed on their thinking by their environment. They grew up in an environment of poverty but have been delivered from the spirit of poverty. Young people who believe in the prosperity of Nigeria.

Get Inspired Nigeria is a youth organization with the sole mission To contribute towards the Advancement and Development of our Nation Nigeria by Harnessing, Creating and Providing necessary Avenues and Resources for Young Nigerians to Develop Leadership, Self, Entrepreneurial, Social and Political skills necessary to create positive changes.  Thus leading to the Advancement and Development of our Nation Nigeria. Its main aim is to develop qualified people. People better able to meet, understand and cope with global challenges of the future.

The maiden project of our organization is an online, internet based Audio Broadcast Station/Resource Portal www.getinspiredng.com. www.getinspiredng.com is comprised of three sections: An Audio Broadcast section which broadcasts MOTIVATIONAL, EMPOWERING and INSPIRATIONAL talks and speeches from notable individuals and renowned speakers from Nigeria, an e-Library where users can download ebooks freely. The e-Library is fortified with e-books on subjects on empowerment, business, finances, investments, career, self development, interviews, jobs and much more which members can download FREE. There is also an Online Interactive Article Blog in which people can Post Informative, Empowering  articles on business, finances, investments, career, self development e.t.c. users can also ask questions, rub minds, share thoughts and ideas with great minds, offer solutions to personal and national challenges.

Presently there are over seven hundred (700) registered users of www.getinspiredng.com distributed nationwide. And our number keeps increasing day by day.

As  a member of www.getinspiredng.com, you will have access to highly spirited individuals who are our resource persons and mentors, Individuals who as Nigerian you can learn from, Individuals who would share their wisdom and give us much needed advice as we build our ladder of success. Individuals who believe in the Nigerian youth and the development of our nation Nigeria.

Registration and Access to www.getinspiredng.com is Quick and Easy. So  go now register and have acess to all the goodie,


We as a group of Young Nigerians believe in the Prosperity and Greatness of our Nation Nigeria and that the Development of Individuals Transcends into the Development and greatness of a Nation, this has been the passion behind the GET INSPIRED NIGERIA (GiN) project.
We believe that everybody has a role to play in achieving this. We would be glad to get a positive response from you.

Thank you and God bless you.


Yours faithfully,
Akinrelere Idowu T.
President, Get Inspired Nigeria (GiN)
admin@getinspiredng.com
(+234) 0803-949-6504

At one point in time most of us have been in one debt or the other. Most of us might have also made this resolution not to ever get into debt again. If you have done I would like you to know that you are not alone. There is this general knowledge that debt is bad. Also we are all advised that if there is just one thing to avoid, avoid getting in to debt because debt is bad. But is this really true?
Imagine this situation. Let us assume Taiwo and keke Ogunbe out of the blues park their Hummer Jeep in front of your house and then walks up to you with all the documents of the car then tell you that if you could give them #100,000 the Hummer would be yours. Let’s assume you don’t have that amount of money but you know where you can burrow it from. And you also know an auto dealer who would be willing to buy that hummer for nothing less than 10 million naira. Would you go ahead into borrowing the #100,000? Now tell me, is this good or bad?
Recently a friend of mine, a professional forex trader used a #200,000 value share certificate to obtain a loan from a bank. From his calculation, he will be able to triple the value of the money borrowed within a year by trading forex with it. Isn’t this really nice?
From my own point of view the goodness or badness of a debt depends on what you intend to use the debt for.
From an investor point of view there are two thought forms to debt. Bad debt and Good debt.
Bad debt is what most people are familiar with. It is also what most people engage in. Bad debt is when you finance liabilities with debt. This includes parties, weddings, funerals (This is typical for most Nigerians), feeding, clothing, cars e.t.c. things that do not increase is value. This is the type of debt you are advised not to go into because paying back will give you a lot of headaches and stress.
Obviously, Good debt is the opposite. And is what the ‘MegaRich’ of the world engage in. It is debt that will go up in value. Good debt is when you finance assets with debt. Generally these are things that will bring you more money or value than the debt used to finance it. Such things automatically generate money to pay back the debt and additional money for you. This includes investments, businesses and properties.
There is also something I term ‘Super Duper’ good debt and that is debt that you do not have to work hard to pay off. Or better still, imagine a debt where you never, ever have to pay it off or someone else pays for you. Did I hear you say how someone can pay for my debts? It’s possible and it’s happening all around you. It’s just that you don’t know it. I’ll show you how.
Assume I borrow 4 million naira to purchase some blocks of shopping complex. The agreement is that I’ll pay back #280,000 every month for the next 2 years summing up to 6.27 million naira for the two years. Now assume I lease out the blocks of shopping complex, collecting a total rent of #300,000 then use the rent for my monthly payback. So who is paying my debt? Is it me? Of course not. My tenants are literarily paying for my debts. And in less than two years the building will be fully mine after my tenants have fully paid for my indebtness and any rent from then on will be cool cash for me. Would you agree that is a good debt to have.
If you have once said, “I will never go into debt again.” I need you to do a rethink. My advice is that if you really want to excel financially you should look for ways to engage in good debts and avoid bad debts at all cost. This is because good debt will lead you to financial freedom while engaging in bad debts is as good as digging your own grave.
In conclusion, those that said don’t get into debt are not totally wrong they just didn’t tell you the type of debt not to get into. Now you know.
I hope I have been able to give some useful insights into the World of Money, Finance and investment. For more Insights, Resources and Feely Downloadable eBooks on Wealth, Finance, Career, Jobs, Investments e.t.c. logon and join other Nigerians on www.getinspiredng.com Registration and Access is absolutely free.
Thanks and see you at the top.


Akinrelere Idowu T.
(Project Coordinator: www.getinspiredng.com)

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