₦airaland Forum

Chijeep:
Please help me(mature minds only)

After getting tired of the flaws discovered from most city girls I decided this mid-year to go my village to get a lady for marriage. And with the help of my cousin sister I was able to get this particular girl (Judith) and she agreed in the sense that she's also very much ready to settle down.

Everything was going perfectly so I decided to go and see her in person so that we can proceed to the next stage which I went and she introduced me to her mom.

Her mother's reaction showed that they both liked and welcomed me as a proposed inlaw. So we move on, and I came back to my Base to inform my dad and my dad didn't say No. And I let her know that everything is good at my own side too. That we're good to go.

So this faithful mind pressured me to test this girl's loyalty to me and the relationship (because atimes she used to say something like; guys use to approached her for marriage and she rejected).

So 1 day I used a fake fb account to chat her up and to cut the story short she said she's not in any relationship, nor married and she agreed to meet the other fake guy I used. She told the guy (because I asked if I could meet her people when I come) that they shouldn't rush things that it should be a gradual process.

And went ahead to send the guy her number and even her picture. But she told the guy that nothing like having s3x. And after there chat I confronted her myself saying that she failed my test and she fuvk up. Buh she started explaining but I was highly disappointed. And she went ahead to inform my cousin sister to apologise to me on her hehalf and also told her friend to chat me and apologise.

NOW MY COUSIN SISTER TOLD ME TO FORGIVE AND MOVE ON WITH HER BUT HER MOTHER IS NOW GETTING ANGRY AT ME THAT I OVER ACTED TO THE ISSUE.

PLEASE IS IT NOT A RED FLAG ENOUGH TO QUIT OR GET ANGRY OR WAS MY TESTING NOT NECESSARY AS HER FRIEND WAS EVEN SAYING THAT; WHO'S TESTING GIRLS LOYALTY IN THIS AGE OF LIFE.

Please I need a nice answers because I'm very much ready to settle down.

You are a young immature boy who need counselling on many things.

AlphaBoy:
Nairaland, abeg help me judge this matter because I no wan deceive myself.

There’s this female friend of mine in school. We read together, buy snacks for each other, gist, and I usually walk her home after night class. Cool friendship, nothing serious… or so I thought.

But recently, she has been acting somehow:
One day she told me she feels blessed to have me and even called me her role model.
Anytime we finish reading late, she insists I must walk her home.

One night, she pointed at a bus stop and said she once saw a couple kissing there. Then she faced me and dropped this line: “It’s you that don’t want to love.”

If I ghost her small, na she go enter my DM first like, “You no wan talk to me again?”
And one day she directly asked me: “Why are you running from me?”

Make una no forget — I liked her initially but didn't want to push it yet , I don’t know if she’s catching feelings.

So nairalanders, make una talk true:
This girl like me abi she just dey whine me?
Or na me dey overthink am?

All these immature boys should stop posting abeg.

These girls eat as if there is no tomorrow. After wasting shawarma, you ate food again and everything na times 2. What the hell. Poverty is bad.

DrMB:
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Source

In other words, black men no dey fine.

Locotrader:
The last price before 2.20pm is 100k block at 2.78 done exactly at 2.17pm
Officially, Japaul closed @ 2.78 full bid.
Wait till 2.30pm to confirm the closing price

You are sounding really desperate.

People no get joy for here o. Many different emotions in play for the last 24 hours based on @Mankind2024 and his NCR stock. Issokay.

Biodun556:
https://www.facebook.com/100064982252216/posts/pfbid02B8ngPVfptu5FRyGaoTtUq5PwEPnSHMDADwkbrhBWUVqdGebJV9D5mwo1T7cAYqPAl/?mibextid=rS40aB7S9Ucbxw6v

What a cock and bull story. If you check well you will see that the community has no portable water.

Simpletons every where.

Glimpsetv:

https://www.youtube.com/watch?v=5tYRQUBCdvg?si=4Lh1KWnRphYF8dec

Pea brain. She should not comment when serious issues are on the table.

datetom:
s am

Congrats bro..
pls am supposed to be Gambia on the 20th of this month but seeing the flight money to Gambia from Lagos is too much for me i will like to know if i can travel buy road and how can i go about it and how much is it gonna cost me?

Be prepared to swim part of the way as well.

She gifted them iPhone 17 xr

rescuenaija:
Reno Thanks Aliko Dangote For Helping Nigeria Achieve Her Second Independence

Source: https://x.com/renoomokri/status/1979270239067013225?s=46

What does this guy really do for a living?

Toruibestate:
Yes Kolokuma.
I'm from the ancestral home of Kolokuma Kingdom that doubles as the ancestral home of all Ijaws.



Agadagba Igbedi.

My father that died last month September 5 was buried on the same land the first Ijaw man lived over 10,000 years ago because our family lands are part of the island .

... and who beget that Ijaw man over 10,000 years ago. Any verifiable written records or just the usual African romanticization of their past.

People just wake up and start manufcturing history because you guys didn't have enough brain power to write things down. Oral tradition has failed african people and they now fantasize about their history which in real sense would have been primitive, backward and dark.

ExAngel007:
https://www.lindaikejisblog.com/2025/5/kogi-community-initiates-103-virgin-girls-into-womanhood.html

I thought they go use South africa and Swaziland format.

What a rubbish thread. Immature tenant and immature landlady. You have turned this forum to Oshodi market. Why not get a lawyer and settle this.?

ositadima1:
Simplifying

1. Central Bank's approach:
Simplified: The Central Bank's actions seem contradictory. They're trying to solve problems but might be creating new ones. Their strategy probably won't work, especially since the government (fiscal policies) isn't helping much.

2. Cost of Funds (CoF) and Inflation:
Simplified: Borrowing money will likely become more expensive. Prices might rise a little in the next 3 months, but could rise more quickly in the 3 months after that.

3. Banking sector implications:
Simplified: Banks that already have a good mix of loans and investments will do better than banks that rely mostly on making new loans.

4. Investment strategy:
Simplified: It's smart to invest in companies that have protection against economic ups and downs. Right now, keeping your money safe is just as important as trying to make it grow.

5. Fixed Income Instruments (FII):
Simplified: Interest rates for savings and bonds will probably stay high for a while. Banks, the Central Bank, and the government all need money, so they're willing to pay higher interest.

6. Equity market outlook:
Simplified: More people might start buying stocks to protect their money from losing value. This could keep the stock market from falling, especially for certain strong companies.

7. Sector-specific opportunities:
Simplified: Some healthy companies in industries that can do well during tough economic times will likely perform better than others.

8. Overall economic environment:
Simplified: The economy is facing big challenges, but this creates both risks and opportunities for investors.

You get time o

But seriously, in communications, simplicity is the ultimate form of elegance.

onegentleguy:
For those sending me mails/messages on INTBREW, I said I won't be talking about the coy since I already did enough in time past.

The problem is that most persons do not know why they invest or should invest in a company.
Still, some do not understand what a share capital reduction exercise entails.

For the naive fellows (the one's I often feel sorry for), here's a simple brief;

The company's rights issue is actually part of a share capital reduction exercise (CS reorganization & BS restructuring) aimed at neutralizimg the recent impact of accumulated losses and birthing a healthier capital structure that can allow the coy perform more optimally going forward.
The 6 for 1 RI may seem bloated, but that approx 161.17B ordinary share issue is priced at a per value of 2k. At a per value of 50k, it's just about 6.45B shares. (if 2k >> 161.17, then 50k >> [161.17/50] x 2,= 161.17/25)
This is why a part of the circular reads in part;
"...to offer to the shareholders the proposed rights issue of 161,172,395, 100 ordinary shares of 2 kobo each..."

So essentially, the company's RI exercise is expected to raise N3.65 x approx 6.45B capital... which is approx N23.55B
The proceeds will be credited to the coys share premium A/c before been utilized to neutralize her accumulated/retained loss position.
See the RI as a form of CAPITAL REORGANIZATION EXERCISE. (a key step in restructuring for T&GCs), which in addition to the aforementioned benefit, will also allow for a more robust and efficient CS and create the "fertile ground" for future cash flow reward to shareholders.

As I stated in a previous post, There are pros and cons with the expected share capital reduction exercise (ref: reduction in nominal value by a factor of 25x) in between the planned RI.
But I know most folks will focus on the cons and fail to efficiently benchmark it against the undisputably much better pros. Am hoping that more persons will sell off their holdings, so price can drop a bit more.

HOLD! ...it's a great midterm play.
That would be my candid advice, especially to the naive ones.
But PLS do not hesitate to sell if you so desire.
...just do well to follow your instinct.

I know INTBREW will make us a lot of money!

CAVEAT: NOT to be inferred as any sought of investment advice. Due diligence still applies as always.

cc: @streetinvestor and all

Selah

What exactly is the purpose of this post?

...and because you are offering advice you have to repeatedly address unknown persons as "naive" by coming to this forum to answer a question you said was sent to your email and via private SMS?

dapix:
MPR Rate now 26.25%

This is a terrible time to borrow money...especially consumer loans.

Princkez:
ELLAHLAKES

Ellah Lakes needs to get serious. They are yet to generate a single naira of revenue 6 months into the financial year. Ditto for previous years.

Amaa2019:
Good morning guys,

Please I need information on FGN Savings Bond and if it is presently a good investment option.

Thank you all.

They are available first or second week of each month. Ask your stockbroker. The interest rates are clearly stated so you have to decide if its a good investment option for you.

I am sure more information is available in the TBills thread.

RIPPLEEFFECT:
I lost my job today because a colleague who I trained for months exposed my intent of setting up my own FX banking institution to top executives.

Although, I have been extremely desperate in the course of raising the much needed capitalization fee. I was very open and dogged about it. I knew a day like this will come and I have braced myself and ready for impact.

Guys. The time is now. I cannot sit and fold my arms making kills in profit. I'm talking of multiple zeros daily for some group of capitalist that has zero joy for personal growth.

I wouldn't lie. The pay is okay, but even if they pay me x10 of my current pay. It has nothing on them and I'll still try to create my own path.

92% of the main money making process is on me. Because I can tell you for a fact. I was part of the foundational members of this institution. Having dedicated huge chunck of my producutive age towards this cause.

Now I am starting afresh and I'm seeking for a life long financial partners. I have reliable affliate chains and the intellectual know how. With the help of these connects we can kick start with about 5 to 8 million naira as a pre capitalization with one of my chains.

Within a month, we'll be up and running independently. I need a honest financier who has a clean financial record home and abroad. As every profit made will run through the finaciers account.

I believe and I know that within a year we'll hit the threashold needed to operate independently and make unbelievable profits.

All i need now, is a work station with a minimum of 3 extendable screen, power supply and a steady internet. I can work from anywhere in the world. I'm relatively young, ready to travel and a great believer.

I'm in ABUJA.

Reach me on

Calls: (zero 8 one 62_75_05_19)

WhatsApp: (zero 9 zero 25_83_18_41).

#0HK/PK/SD!!!

You made all these monies for your employers, you were well paid, and you are a hot shot trader and you can't afford workstations. It doesn't add up dude.

PETERiCHY:
Sameway few years ago some bought OANDO @#300 , Cadbury @#120 , WAPCO at #115 to mention but few today the rest is history

No Biggy. Everybody gets into such situation once in a while if they are in the market.

Most people have recovered their monies many folds from that disastrous era. It's the way of the market buddy.

At today's Dangote Sugar AGM Alhaji stated that the reason for the discontinuation of the merger is because SEC did not approve because Dangote rice is yet to commence operations. Dangote Rice is till building rice mills across the country and some are expected to be ready later in the year

When Dangote Rice commences operations the merger talks will resume.

My own take is that later in the year or early next year Dangote Sugar and NASCON may do a first step merger pending when Dangote Rice becomes operational. Alternatively, they may wait for Dangote rice to get a few years of operations under its belt and have financial statements as required. This will help DIL corner a proportion of Dangote Foods shares they had earlier planned for.

It will be Ill advised to go again this year and face another rejection. Not good for Alhaji's image.

Just imagine

Nazgul:
I watched a Korean movie on Netflix (we're all dead) their high school kids were making drones. And to them it was nothing. Most of these phones and other gadgets we worship here, you'd be shocked that even their high school kids use them and they don't make noise about it.

Here in Nigeria all we do is to flunt what other hard working countries make. In fact you're classified as a big boy whenever you publicly flunt gadgets that even teenagers over there can easily afford.

Do you think if innoson had a car assemble plant in Korea, Korean owners of his cars would be squealing like coven witches for owning an African car?

A lot of Africans are still suffering from slave mentality. Regardless of how wealthy they are.

I can't put it any better.

yMcy56:
Meanwhile, SUGAR and SALT met at same price junction earlier.....intra-day.....@61

Both now parting ways again.........
SUGAR @64+ intra-day
SALT @60....

I think SUGAR is cheaper when we compared the two ahead of the Merger.....

The merger just putting people in suspense anyhow....let them do something about it soonest jorr.....the waiting is becoming frustrating.
*Bargain hunters won't like this*

You need to compare the share exchange ratio of Nascon/DangSugar with Mkt. Price ratio of Nascon/DangSugar to determine where the value lies at any point in time. While the first ratio is constant the latter changes continually and that is where you can hunt for the value.

Additional value could be the higher probability that Nascon will pay dividends against no dividends by Dangote Sugar cos:

1. They paid interim dividend and will likely follow up with final dividend at least equal to interim.
2. There is a strong chance Dangote Sugar will not pay a final dividend for reasons that are obvious and which they will be happy to flaunt before shareholders.

Also realize that the reason for that loss is still in play and making additional impact.

PETERiCHY:
Based on EXPERIENCE some of us QUIETLY CONVERTED our PAPER PROFIT to CASH by last week of January when the ovation was loudest and made the ABOVE post on Feb 7th.Today the forum has turned GRAVEYRAD.

Well for those looking for SAVE HAVEN to HIDE their LOOT.

CADBURY is there for your taking. It will definitely OUTPERFORM both DangSugar & Nascon put together on the LONG RUN.

BARGAIN HUNTERS TAKE NOTE!

*ThE OcToPuS*

Glorifying yourself with claims that cannot be verified. Why do you feel a need to look like a genius to people in a faceless forum. People you will most probably never meet and who really don't give an "F" who you are.

Streetinvestor2:
I never said it must happen. All I said it is good news for my country. And many things like TA,FA ,sA etc could move the market north or south. And wining afcon can fall into sentimental Analysis (SA).
Or you think winning afcon does not translate we got our team right or football right. It means we could equally get the economy right. You didn't see SA put oando on bull last week

I didn't quote you in this. I quoted the moniker called "Locotrader". But if you want to take up the matter perhaps you can start with a detailed explanation of the bolded for our education. How did the bolded happen?

Streetinvestor2:
Oga what I am speaking is English and not French. When a company declares dividend. You can calculate the dividend yield to the market on the bases of present market price of the shares.
That does not mean my personal dividend yeild and yours must be same.Did I buy at the same price with you if our investment was based dividend in mind..I only use dividend yeild for my banking stocks purchase. Which is why I decided to sell fidelity.My uba is on #8.You want me to use price of 25 or 30 to do my personal dividend yeild ...why..
So why do people say i am sitting on 100% ,200% etc profit on the same stock at the same present price.....I am street credible never a gentleman man because I don't even know the meaning

Your street credibility or lack of it has nothing to do with understanding investment terminology.

https://www.investopedia.com/terms/d/dividendyield.asp

I have helped you this time. Don't come back and give us fluff next time.

If you have developed a personal ratio you want to use as a metric, well and good but it's not dividend yield.

Locotrader:
We have talked too much today.
Let's rest and not complicate issues.
Next week is not too far from now.

I agree. But let's understand your basis better so that we can evaluate next week. By saying bull do you mean the index will rise by this time next week or you mean price of specific stocks will rise. If the latter let's have the name of the stocks in your universe so that we can establish that cause and effect relationship and eliminate chance occurrences.

vacanci:
oga,

assuming i bought UCAP at N2 as my price years ago and you buy it now at N20.

If dividend of N2 is declared. It means that the dividend yield is 2/20 which is 10% as per current price.

But for me my dividend on cost is 2/2 which is 100% because i didn't buy it for N20 but for N2.

With N1,000,000 you should get 50,000 units @N20
with N1,000,000 i got 500,000 units @ N2

if dividend is N2, you should earn 50,000 X 2 which is 100k
I should earn 500,000 X2 which is 1M

na so i see am

That was what streetinvestor2 was trying to make you understand.

Bolded is yield on cost and not dividend yield. Dividend yield has only one formular.

For equity investment when people say an investment is compounding at a certain percentage i.e. 10%, they mean the dividend you receive is at 10% of current price and if you want to reinvest it in that particular equity the dividend should buy you 10% of your current holding.

By the way, visit investopedia etc. for any investment term you are not quite clear about. It's a simple check and it enables you and the person you are having a conversation with be on same page.

Locotrader:
Sure, my boys are coming back with the trophy.
Next week is a week of bull to respect our cup.

Make dem use tomorrow to do their worst in the market.We will collect batton on monday

What's the nexus between winning AFCON and NGX? I really can't see it but before you get aggressive I will bookmark this post and bring it up again next week so that we can compare notes. Perhaps there is a cause and effect relationship we are not aware of.

Streetinvestor2:
Since na you get sense.Go and buy Dan cement at 700 plus and be talking rubbish on dividend yield when you saw it since at less than # 300 and refused to buy if dividend was your target

You don't know what is in my portfolio and what is not. Learn to take correction. There is only one formulae to calculate dividend yield. If you have developed another ratio please share the name and how to calculate it.

I have also noticed that when people can't defend their positions they become aggressive and abusive.