₦airaland Forum

pansophist:
For a man or woman?

For a man its tough, unless you are from a united wealthy family that can soak up most of the blows life punches at you.

If you are like the average Nigerian, then it is a miracle if there is peace in your family, because peace and poverty are hardly found in the same place.

Financial pressure everywhere, from yourself and family, especially your parents who are weak and hoped you can carry on from where they stop, and do a better job than them.

If you are the first child, you don enter am. You are basically a parent to your parents and siblings. Most of your income will go to them.

You will notice that its easier now to get fat, because as we grow older, our metabolism decreases, and the body store most of the food we eat, making you look chubby, then rounded, then overweight.

The pressure to settle down will begin to mount up, and your best time would be in the past, when you were young, no responsibilities, and ignorant. Ignorant is happiness.

You will struggle to be happy, and your esteem will be bruised because the women that you find attractive, will not like you. You are probably not their speck, even if on an objective basis, you are doing better than them.

They you will arrive at a bitter conclusion that women are not looking for a good man doing fine, but for a wealthy man, with the hope that he is a good man. Accepting you are average will be painful, but you need not live in delusions.

Remember those uncles that gave you 500 naira and biscuit when youre young, now you will be the uncle to their own kids.

People will be watching you, and if any improvement shows up in your life, it will attract request for assistance left and right, that due to self preservation, you will cut off some route from your path, and your whatsapp ''last seen'' status turned to invisible, or just go ghost mode.

Then you will come to appreciate your solitude, and realise that the only time you are free and can be yourself is when you are alone. When you were young, your father forced you to sleep, now you will be very happy to find time to sleep.

You will now also understand why young people fill the clubs, because the 30's and above are at home and actually enjoying the rent they paid heavily for. At best, a bar to drink and talk will hold more value than clubs.

You will now learn to appreciate your father and see clearly that he tried to raise maybe five kids, and handled it for decades. It will make it easy for you to forgive him for all the shortcomings you thought he had.

He was once your superman, but now, you can see clearly that he was just trying his best, and its your turn to go through that same route.

Thanks for this.

turok:
Land is available in a decent and dry location..

no. 12m to 17m depending on artisan honesty and quality of material

CentralBank:


There is something intriguing about the age of 30. A lot happens in a person's life when they cross the third decade of life.

it maturity, an one seeing life humbling some you envy.

chukwutee:
Una cry sweet!

North not concerned on impact but how lucrative.

starpower:
My own is we came alone, we leave alone. If you can't work fine, you will learn to manage, she is an adult am meant to raise my children not partners. Always admit my mistakes, na to dey form broke o. People way i no borrow from will form i borrowed. Please learn to talk less or, complain then focus more on yourself improvement. Reduce sex too, na there format you go use for them. No need for contender them always pretend first and take one for granted when being selfless. No threat just do your bearable minimum without explanation. Sometimes quite a lot of people aint hold responsible for their actions. Hold yourself responsible by responding has an independent adult.

Managed such before those that genuinely care improved, those that felt they settled for me moved on. Both ways my life was better.

My own is we came alone, we leave alone. If you can't work fine, you will learn to manage, she is an adult am meant to raise my children not partners. Always admit my mistakes, na to dey form broke o. People way i no borrow from will form i borrowed. Please learn to talk less or, complain then focus more on yourself improvement. Reduce sex too, na there format you go use for them. No need for contender them always pretend first and take one for granted when being selfless. No threat just do your bearable minimum without explanation. Sometimes quite a lot of people aint hold responsible for their actions. Hold yourself responsible by responding has an independent adult.

YoungBTCxchange:
As I am right now, no matter how woman take fine reach, I will always be tired of her
That's my main problem now" I can't even spend a week with my girlfriend without getting tired of the sex, sometimes I think I have a problem somewhere because how am I going to stay with my wife for years in marriage.
I always tell any girl I like so much to always cover her body and we should not be having sex almost very day when she comes visiting so that my sex urge towards her won't die.
My best friend said maybe I'm that way because I have so many sisters so I'm used to women unclothedness,

Try tell madam here similar words but them done turn house to hostel for me. I just focus on my job, she had better qualities i needed in my kids than sex attraction. Once in a while go out for dinners other checking madam out around me increases my validation i got the 💎 gem.

Agbalowomeri:
Do you do valuation only once? Don't you do valuation regularly? Even Warren does not buy based on valuation but based on potential. There is no foolproof strategy in this business. People conveniently point to success stories. How many fantastic businesses have crumbled on the way. You think Warren sold Tesla purely based on valuation? Why then did he not sell everything? Omo all of us dey do permutation and combination 😂

valuation is needed before buying to be sure that potential not already priced in. It margin of safety. Just how people are ignoring nestle brand pricing power and return on capital employed

emmanuelewumi:
N200 million portfolio after playing the stock market is not bad, in fact na money.

There are a lot of people who have been playing the market for 20 years and above whose portfolios are less than N50 million, which is also not bad.

I doubt if 10% of the Nigerian population can boast of an investment of N50 million.

if one can read quiet a lot of Warren letters and understand well and hold long term(very hard). Seriously in 20 years there have been quite a lot of impressive opportunities. One should have up to 200m if you really take it seriously and study capital allocation wisely. My granddad as 100k okomu at price averaging N10, nestle at N20 like 10k unit but he rebuys when cheap and safe dividend in pounds if not spent to rebuy. He mentioned reading Warren early for me was too stupid to understand early.

Add engine picture

unite4real:
It's like you have some loose funds.

Try SEPLAT.

They pay dividends quarterly.

lol

ghettokid1:
Omo money no fit this Kante o

everyone plans to buy comfort, this what he finds comfortable

Judolisco:
2mrw when dis dude or fashola says they want to be president, some people will ask u not to vote for them, that you're being tribalistic

they prefer governor's doing laws to arrest ladies not wearing bra as they don't know how much original bras cost now.

Streetinvestor2:
I don't remember when those stocks traded at that price. He should tell us the year and let check oil price then.And if is 20 yrs ago.what was energy demand then and energy demand now that you believe oil price will go back to such price

I bought my seplat 322 in 2020 it was an oil price glut. Same occidental corporation. Bought at 162 during 2016 later to sell at 598 around 2018 not too sure.

Obapluto:
Lol.. Lie mohammed spirit still lives..

how many truck pack for there sef abi na pipe line they take get the rice. White elephant projects.

APOPTOSIS:
Please when did $70,000 become #40M?

probably when naira was 420 to a dollar

nedu666:
This same bank that paid 40k dividend and still did not pay on time. Always the last to release financial report

terrible allocation of capital. They have bad loans o

Jeez2:
Really?! wow, thanks!

low margin cyclical business. Enjoy the rise and run

Ngx politics section

Zero eight zero three seven zero five five five one one) male sales agent can use truecaller to verify. I don'twork for them.

lagbaja:
Kindly provide contact of seller of the SMS batteries

Streetinvestor2:
How many yrs is this suppose to last before you change the lithium battery. And 3.8 million to cary just this small load.When you add water heater,2 hp ac like two and deep freezer. What size of battery will you be needing. and many other kitchen things since you are going off power supply completely

just started using this particular brand. But seen a friend using felicity 5kw 2pcs since 2020. Last lithium-ion phosphate cost per kilowatt in $ as dropped more than 80% in price and energy density by surface area has increased by 40%. The world getting better.

Been off grid since 2014. Just that very few have habit of managing power. My 42" tv, freezer and fridge and 1 a.c ON is 960W. The freezer consume less when frozen and filed up. Most loads are used during the day.

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KarlTom:
Hello Sir.
I politely disagree with these estimates of yours.
I have a 7.5kVA PV system so I know what I am saying...except you failed to disclose that you installed your system at least 4-5years ago.

A 15kVA PV system in 2025 CANNOT cost less than ₦10m (and I am being modest here)...

sms 15kw lithium-ion phosphate battery 2.1m currently my 6.2kva hybrid 420k. Using got solar panels 550W 120k 6pcs. 1hp a.c is in eco mode just around 550W each. The electric cooker doesn't run for hours am only one a.c during the day but 2 at night. Been using since September. Got them myself. I use Tubular before just scrapped them. Lithium-ion really going to phase out acid lead batteries very soon. Energy density is far better and cycle life on high depth of discharge. Most times installer just over quotes boiler inverter sizes not needed for people.

NSEstudent:
Boss, you guys need to try to experiment with solar panels and inverter in order to confirm some of these numbers.

Admittedly, it used to be so but not anymore.

Since the advent of tier 1 solar panels and Lithium Iron Phosphate batteries, a lot of households are using solar alone for all their power needs for the better part of 5 years. Power needs include cooling (ACs and Fridges), cooking, lighting and many more. You may want to navigate through Nairaland to read firsthand from actual users.

People are running away from NGX due to 2008, the same way people who trialed RE with Lead Acid batteries, makeshift panels and dumb inverters are running away from it.

it lithium-ion battery really making thing cheaper if naira appreciate more people will understand. I use, electric cooker 1200W each head, microwave on mine and 1hp a.c 2pc but it 15kva battery lithium-ion phosphate truly with panels, inverter and installation. Funny it 3.8m i did all that like $2,500. I am outrightly off grid. People can cut coat according to their size.

jamace:
Fellow investors, let's ease tension with these FUNNY DEFINITIONS OF SOME FINANCIAL TERMS.

Advertisement: A tool used by business to get money out of people that don't have it, for something that they don't need.

Alimony: Two persons mistake paid by one.

Auditor: Person that arrives after battle to finish off the wounded.

Bank: A place that will lend you money only when you don't need it.

Bear Market: Eight months when the kids get no allowance, the wife gets no jewelry and the husband gets no s3x.

Broker: The person that you trust with thousands of your hard earned dollars. Hello!

Broker: What my broker has made me.

Broker: Poorer than you were last year.

Budget: Written proof that you can't afford the things you want.

Bull Market: A random market movement causing an investor to mistake himself for a financial genius.

Cash Flow: The movement your money makes as it disappears down the toilet.

CEO: Chief embezzlement officer.

CFO: Chief fraud officer.

Day Trader: A more socially acceptable gambling addict.

Discounted Stock: A stock that is less expensive than last month and more expensive than it will be next month.

EBIT: Earnings before irregularities and tampering.

EBITDA: Earnings before I tricked the dumb auditor.

EPS: Eventual prison sentence.

FRS: Fantasy reporting standards.

Institutional Investor: Past year investor who is now locked up in a mental institute.

Market Correction: The day after you buy stocks.

Momentum Investing: The fine art of buying high and selling low.

P/E Ratio: The percentage of investors wetting their pants as the market keeps crashing.

Profit: A man that prays to God.

Standard and Poor (S&P): Your life in a nutshell.

Stock Analyst: Idiot who just downgraded your stock.

Stock Market Correction: The term your broker uses for a stock market crash.

Stock Split: When your former wife and her lawyer split all your assets equally between themselves.

Value Investing: The art of buying low and selling lower.

Hope you enjoyed the fun?

Keep on investing, any way.

lol

Sunrisepebble:
I actually sold on Friday. You know me i'm a disciplined investor, when things get to my junction, I exit. Sold about 20k on Friday. Channeling to Zenith

pls I notice deduction after sales amount to around 2.2% and I use morgan capital. The receipt sent to me, bank payment was noticeable less. Sent mail and no response

He built housing unit it the qualityi dont know

Sheuns:


Agba taxer. That’s how he makes everyone in Lagos pay extreme taxes both formally and informally.

Yet he did not lay a single block of housing unit in his 8 years as governor, let’s not even talk of pipe borne water.

Pa Jakande did more than any other governor of Lagos before and after him did in just 4 years.

Oga ocean tamer na just enrich he enriched himself.

parisbookaddict:
i wouldnt classify beta glass as a "good"stock, with a dividend yield is 2.15% and illiquid shares, its aleady a huge discouragement
to buy.

it has a monopoly on glass bottles production, it just that majority shareholders are borrowing the cash generated. Most cash is in trade receivables loans to related party( note 16, Related parties’ receivables (Note 29.3) N 36.8 billion). Dividend not only valuation metrics.

Sunrisepebble:
It was just N6bn in FX gains.
Although I don’t see FX moderating to that level. I think it’s high CPO prices and volume increases that will drive revenue this year

price of palm oil per litre more than doubled in naira

courage89:
I want to believe the primary reason for Presco’s bumper harvest is due to devaluation of Naira. What’s your estimate for Presco assuming Naira revalues to sub 1000 naira in the next 3-4 years?

Devaluation and cpo price increase internationally, they ain't having militant issues

Streetinvestor2:
I know okomu was doing better than presco. How did they turn the table around. I remember ogg having preference for presco over okomu but I did not believe it

presco pay less dividend but reinvested more in increasing capacity with both having high roce, presco will do better overtime and was cheaper too. Was lucky I used OKOMUOIL dividend wisely over the years in playing with small cap bets.

That what makes financial stocks risky and with low p/e it the quality of assets and earnings. You cant derive high interest from low risk loans. It a wide guess

nosa2:
Are you suggesting that NPL's are being hidden?