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Investment / Re: Nigerian Stock Exchange Market Pick Alerts by toayofo: 6:16pm On Aug 28, 2018
Yayira:


Hi, did you end up selling your zenith at 21 ?
If Yes, then this should be a very good lesson to always have a mind of your own..
You bought at a good price but because of the many noise here on how zenith will head back to 13, you freaked! You want to sell at loss so you can buy more units at 13.
SMH Lord please guide our steps oo. Make greed no kill us before our time in this market.

You know exactly what you were buying, you know its worth but you forgot your noise filter at home before coming to this blog..

I bought mine at 28+ but still very galant because I’ve seen this stock trade as high as 34 naira and also worth more than that on a good day, so if it ever fll to 13, my only revenge will be to load more like craze because I know the reason for the fall is the political hubbub in the country and not because of a bad performance in quarterly reports.

I hope It falls to 13 naira sha.. my prayer too. Both sides na win for me.
Go up or come down Yayira on both sides waiting.

I have gained valuable insights from this group and do learn and still learning a lot from reading the comments and posts on daily transaction analysis.I also do appreciate the feedback i got before i made my decision.I follow a very simple principle which i learnt from about Warren Buffet ''Be fearful when others are greedy and be greedy when others are fearful' I eventually sold about 50% of my Zenith at average of 22 but i have absolutely no regrets.If I factor in the dividend of 30k i can actually still buy back with very little or no loss.............but the fact is that Zenith was about 95% of my portfolio and i don't want to commit more funds so i decided to free up some cash for the future 'bonanza' .

I believe i made the right decision,and I have a very simple plan for the short term,average down or key into other opportunities which presently abounds in the market.There are quite a number of 'cheap' stocks with sound fundamentals,liquidity ,EPS etc I have two on my watch list.In my opinion this mini rally will not last and there is no basis for it to ,nothing has changed fundamentally however Q3 results will play a significant role and i feel people here will begin to take position then,I also feel the volumes traded so far don't qualify for a bull run yet so I think I made the right decision

Ultimately the trade has been done now I am waiting to make the next move at the right time.I may be wrong about the market though ,I am neither a stock broker nor a market analyst, just a simple investor trying to navigate the murky market of NSE and make 50% via price appreciation YOY!

4 Likes

Investment / Re: Nigerian Stock Exchange Market Pick Alerts by toayofo: 11:56pm On Aug 22, 2018
4601CE:
Wait and see tomorrow closing price before you do anything though.
My 1 kobo.

I might ask my broker to sell if it's on offer and hold if it's on bid.
Investment / Re: Nigerian Stock Exchange Market Pick Alerts by toayofo: 11:43pm On Aug 22, 2018
swilo:


Toayofo,

I am not CP or FX (these are my ogas) but if you are not a 'longtermer', or if you did not buy more than 1% of Zenith bank shares, or if you did not purchase in portions (meaning you don't have more money to average down), once your stop loss is hit, sell at least 50% off. Your stop loss might be 5% or 10%.

We are still in August... the journey to another result release is still far, the environment (political and economic) is filled with uncertainty, Zenith mid year party is also over. There is every likelihood that prices will drop more before it rises again. This is my candid opinion.

#Dont forget I am not CP or FX.

Thank you all for the feedback and suggestions. I invested in Zenith simply based on my analysis,strong fundamentals,good history,liquidity,high EPS and good PE ratio etc.My preference then was GTB but at 35,I felt it was high and Zenith had a better PE so it might give better returns in terms of capital appreciation.

Fundamentally, except something extraordinary happens e.g.very bad result,war,recession etc.I still believe the Zenith is still undervalued but since I don't have additional cash to invest I will love to make the best of the bear season which is moving faster than I ever anticipated .Despite some comments here I do not see why zenith should drop to 20 let alone 12.....but I am not a brocker or stock analyst so i might be mistaken. During the 2015 election Zeniths EPS was far less than what it is now yet the price didn't drop 50% or to 12!

Ultimately, i will enjoy or suffer the consequence of any decision i make.I will sleep over the thought of selling 50% or more and move with action ASAP tomorrow


Thank you all again for the advice.I really do appreciate! .Still hoping CP will comment though
Investment / Re: Nigerian Stock Exchange Market Pick Alerts by toayofo: 6:17pm On Aug 22, 2018
I have been a silent observer and really appreciate the depth of insight i have gained from members here especially currentprice (cp) .

I need candid advice PLEASE.I bought Zenith at 23 naira some weeks ago based on what i percieved to be a bargain price....but I am now concerned by some comments here that it might drop to as low as 12!

My investment and exit plan was based on projected 50% capital appreciation within an 8-12 months period.Now I am thinking that I might have bought too early

I need a candid advice ,is it wise to sell the Zenith now and hope that it drops further (it is already below the 52wk low which I never thought will happen with the good result).PLEASE I NEED CANDID ADVICE as I invested a substantial amount ,if I sell tomorrow I will lose nearly 500k but I don't mind if I will be able to increase my holding since I will recover the loss over time.

As mentioned here by some,since cash is king,another alternative I was thinking about is to sell the Zenith and even if it doesn't drop any further ,target others that may drop even more....e.g. Fidelity,GTB,UBA etc where i might get better capital appreciation within 1 year

Seniors PLEASE ADVICE, Fxuser,CP........Thanks so much in advance!!!
Business / Re: Field Accounting Solution, Manage Your Field Projects From Anywhere by toayofo: 10:33am On Jul 05, 2018
Simple solution for multiple businesses.Some clients use this for Basic Accounting / Book keeping try it free for 30day.
Business / Re: Field Accounting Solution, Manage Your Field Projects From Anywhere by toayofo: 5:04pm On Jul 04, 2018
Affordable solution.Subscription starts at 3,500 naira per month only.Unsubscribe once you are done with the project but you will still have access to your data
Properties / Re: Field Accounting Solution, Monitor Your Field Projects From Anywhere by toayofo: 5:02pm On Jul 04, 2018
Affordable solution.Subscription starts at 3,500 naira per month only.Unsubscribe once you are done with the project but you will still have access to your data
Business / Field Accounting Solution, Manage Your Field Projects From Anywhere by toayofo: 2:49pm On Jul 04, 2018
Our FIELD ACCOUNTING SOLUTION is a simple but very effective solution which helps business activity owners and project owners monitor funds and track expenses with verification. Providing insight into overall project or activity financial performance and viability

HOW IT WORKS
The assigned person (normally the staff or site person in charge) enters fund details and expense incurred with proof (e.g. photo evidence) as it occurs via the mobile app on their device. The captured data is synchronized and converted into financial and activity reports which is accessible to the project or activity owner in the office or anywhere in a near real time manner and which provides end-to-end visibility into field operations.

SOLUTION BENEFITS
• Prevents fraud, expense entry must be made with verifiable evidence which reduces the chances of false data entry
• Puts you on top of the situation, to track financial activities from anywhere
• Simplifies multitasking, so you can track multiple projects or activities at once
• Paperless financial history and records, accessible by you anytime from anywhere
• Tightens your control as entered data cannot be changed without your approval
• Costs & time savings on paper, phone calls and report writing
• Export your data in different formats for further analysis
• Works Offline, captures data and to limited extent displays reports without internet connectivity

Affordable, setup is easy and fast. No IT skill required, we offer 30days free trial with no signup obligation. For more details you may visit our website
https://www.bizzmetrics.com/basic-accounting/ or call 07068052536
Properties / Field Accounting Solution, Monitor Your Field Projects From Anywhere by toayofo: 2:26pm On Jul 04, 2018
Our FIELD ACCOUNTING SOLUTION is a simple but very effective solution which helps business activity owners and project owners monitor funds and track expenses with verification. Providing insight into overall project or activity financial performance and viability

HOW IT WORKS
The assigned person (normally the staff or site person in charge) enters fund details and expense incurred with proof (e.g. photo evidence) as it occurs via the mobile app on their device. The captured data is synchronized and converted into financial and activity reports which is accessible to the project or activity owner in the office or anywhere in a near real time manner and which provides end-to-end visibility into field operations.

SOLUTION BENEFITS
• Prevents fraud, expense entry must be made with verifiable evidence which reduces the chances of false data entry
• Puts you on top of the situation, to track financial activities from anywhere
• Simplifies multitasking, so you can track multiple projects or activities at once
• Paperless financial history and records, accessible by you anytime from anywhere
• Tightens your control as entered data cannot be changed without your approval
• Costs & time savings on paper, phone calls and report writing
• Export your data in different formats for further analysis
• Works Offline, captures data and to limited extent displays reports without internet connectivity

Affordable, setup is easy and fast. No IT skill required, we offer 30days free trial with no signup obligation. For more details you may visit our website
https://www.bizzmetrics.com/basic-accounting/ or call 07068052536
Business / Re: If You Are Into Transport Or Haulage Business You Need This Solution by toayofo: 9:18am On Jul 04, 2018
This solution works well for single or large fleet of vehicles.Easy to setup,try it free for 30 days
Autos / Re: If Your Are Into Transport Or Haulage Business ,you Need This Solution by toayofo: 9:17am On Jul 04, 2018
This solution works well for single or large fleet of vehicles.Easy to setup,try it free for 30 days
Business / Re: Monitor The Punctuality Of Your Field Staff From Anywhere by toayofo: 5:21pm On Jul 03, 2018
Setup is easy and fast.Try it free for 30 days
Jobs/Vacancies / Re: Monitor The Punctuality Of Your Field Staff From Anywhere by toayofo: 5:20pm On Jul 03, 2018
Setup is easy and fast.Try it free for 30 days
Jobs/Vacancies / Re: Monitor The Punctuality Of Your Field Staff From Anywhere by toayofo: 1:51pm On Jul 03, 2018
Ideal for site and project based workers.Can also be used for office workers if the manager is not around.Very cost effective solution
Business / Re: Monitor The Punctuality Of Your Field Staff From Anywhere by toayofo: 1:43pm On Jul 03, 2018
Ideal for site and project based workers.Can also be used for office workers if the manager is not around.Very cost effective solution
Jobs/Vacancies / Monitor The Punctuality Of Your Field Staff From Anywhere by toayofo: 10:11am On Jul 03, 2018
This is a simple but effective mobile app based clock-in & clock-out solution for monitoring resumption and closing times of field staff, irrespective of work location

How It Works
Upon arrival at the work location workers sign in and out via the mobile app on their phones and take a selfie photo as proof of presence (photos can only be taken real-time),our solutions automatically records the address (location) and time of sign in/out and converts this data into attendance report which the manager can access from anywhere on any device to monitor attendance and punctuality of staff where ever they are working

Solution Benefits
Improves Punctuality ,through staff awareness of being monitored
Punctual workers get more work done ,boosting your business performance
Boosts employee morale ,through recognition of punctual workers for rewards
Reliable and paperless attendance records [/b]you can access anytime, anywhere
[b]User friendly
, simple and easy to use on any device
Works Offline ,captures data and displays reports without internet connectivity

Setup is easy and fast. No IT skill required, we offer 30days free trial with no signup obligation.

For more details please visit our website https://www.bizzmetrics.com/staff-attendance/

Or call 07068052536
Business / Monitor The Punctuality Of Your Field Staff From Anywhere by toayofo: 10:02am On Jul 03, 2018
This is a simple,affordable but very effective mobile app based clock-in & clock-out solution for monitoring resumption and closing times of field staff, irrespective of work location

How It Works
Upon arrival at the work location workers sign in and out via the mobile app on their phones and take a selfie photo as proof of presence (photos can only be taken real-time),our solutions automatically records the address (location) and time of sign in/out and converts this data into attendance report which the manager can access from anywhere on any device to monitor attendance and punctuality of staff wherever they are working

Solution Benefits
Improves Punctuality ,through staff awareness of being monitored
Punctual workers get more work done ,boosting your business performance
Boosts employee morale ,through recognition of punctual workers for rewards
Reliable and paperless attendance records you can access anytime, anywhere
User friendly , simple and easy to use on any device
Works Offline ,captures data and displays reports without internet connectivity

Setup is easy and fast. No IT skill required, we offer 30days free trial with no signup obligation.

For more details please visit our website https://www.bizzmetrics.com/staff-attendance/

Or call 07068052536
Business / Re: If You Are Into Transport Or Haulage Business You Need This Solution by toayofo: 7:07pm On Jul 02, 2018
This solution is very easy to setup,and very effective.Try it free for 30days
Autos / If Your Are Into Transport Or Haulage Business ,you Need This Solution by toayofo: 1:14pm On Jul 02, 2018
Dear friend I invite you to try out our simple mobile and web app based, but very effective FLEET BUSINESS SOLUTION which will add significant value to your business operations and thus boost your bottom line.IT WILL BLOCK THE FINANCIAL LEAKAGES!

HOW IT WORKS
All vehicle related activities and transactions are entered by the driver or fleet supervisor via an app installed on their smart phone or device. This way ,details of vehicle maintenance, travel history,vehicle income and expenses , road incidents and more can be immediately and adequately recorded.The captured data is synchronized and converted into reports which is accessible to managers (vehicle owner_ in the office or anywhere in a near real time manner and which provides end-to-end visibility into field operations.

SOLUTION BENEFITS
• Improves driver efficiency through the monitoring of vehicle performance
• Reduces operational costs through improved driver efficiency
• Paperless vehicle history and records ,accessible anytime from anywhere
• Improves fleet safety, through analysis of driver behaviors from reports
• Automates fleet reporting for insightful decision making
• Works Offline ,captures data and displays reports without internet connectivity

Affordable,setup is easy and fast. No IT skill required, we offer 30days free trial with no signup obligation. For more details you may visit our website
https://www.bizzmetrics.com/fleet-management/ or call 07068052536
Plan starts from 3,500 only per month
Business / If You Are Into Transport Or Haulage Business You Need This Solution by toayofo: 1:05pm On Jul 02, 2018
Dear friend I invite you to try out our simple mobile and web app based, but very effective FLEET BUSINESS SOLUTION which will add significant value to your business operations and thus boost your bottom line.IT WILL BLOCK THE FINANCIAL LEAKAGES!

HOW IT WORKS
All vehicle related activities and transactions are entered by the driver or fleet supervisor via an app installed on their smart phone or device. This way ,details of vehicle maintenance, travel history,vehicle income and expenses , road incidents and more can be immediately and adequately recorded.The captured data is synchronized and converted into reports which is accessible to managers (vehicle owner_ in the office or anywhere in a near real time manner and which provides end-to-end visibility into field operations.

SOLUTION BENEFITS
• Improves driver efficiency through the monitoring of vehicle performance
• Reduces operational costs through improved driver efficiency
• Paperless vehicle history and records ,accessible anytime from anywhere
• Improves fleet safety, through analysis of driver behaviors from reports
• Automates fleet reporting for insightful decision making
• Works Offline ,captures data and displays reports without internet connectivity

Affordable,setup is easy and fast. No IT skill required, we offer 30days free trial with no signup obligation. For more details you may visit our website
https://www.bizzmetrics.com/fleet-management/ or call 07068052536
Jobs/Vacancies / Sales Rep Urgently Needed In Lagos by toayofo: 12:22pm On Jun 19, 2018
There is an urgent vacancy for immediate employment, an experienced sales representative in Lagos with a start-up IT solutions provider.
This is not an office based role and the ideal candidate must have minimum of 2 years sales & marketing experience of business to business sales with FMCG or ICT Service provider

Age limit: 22 - 40 years

Location – Ikeja axis

Educational Qualification - Minimum of an OND. However, qualified BSC and HND holders may apply.

Salary – N30, 000 + transport + data credit

Other benefits: Bonus on target achievement + salary review every 3 months (based on performance).

Interested candidates should URGENTLY send CVs to hr@bizzmetrics.com using the job role e.g. sales Rep (Ikeja) as subject of the mail.
Travel / Re: U.S. Non-immigrant Visas: We’re Listening by toayofo: 2:26pm On Feb 22, 2018
Hello LagosNV

Thank you for your responses on this platform
My question is that my son's (11 yrs old) passport expires in July this year and I want to apply for a US visa for him in march against summer .Should i get him a new passport or can i apply using this passport but get a new passport when the passport expires so he travels with both passports?

Your response will be highly appreciated.Thank you
Travel / Re: U.S. Non-immigrant Visas: We’re Listening by toayofo: 5:24pm On Feb 09, 2018
Good day LagosNV

I just stumbled on this thread but I have really learnt a lot!I need some guidance please
I want to apply for my wife and son (11 yrs) for a two week visit this summer. So I need confirmation that I got the steps right
1. Pay for visa fees for both (separate ,2 receipts)
2. Complete separate DS-160 for both, but we fill my son’s form first so we then attach his form to my wife’s at the end?
3. In the DS-160, I am a bit confused how we upload passport photo since we cannot snap from mobile phone, do we just scan the passport photo then resize it with the online tool?
4. For appointment confirmation - will it be 2 or1 appointment confirmation printed.
5. Finally, my son’s passport expires in July (less than 6 months) can we apply with this passport but get a new passport for the summer trip
Would appreciate detailed response and any other helpful info in case I missed anything. Thanks so much!

1 Like

Travel / Re: USA Visit Visa Part 3 by toayofo: 4:56pm On Feb 09, 2018
Good day
Experts in the house. I just stumbled on this thread but I have really learnt a lot!
I need some guidance please
I want to apply for my wife and son (11 yrs) for a two week visit this summer. So I need confirmation that I got the steps right

1. Pay for visa fees for both (separate ,2 receipts)
2. Complete separate DS-160 for both, but we fill my son’s form first so we then attach his form to my wife’s at the end?
3. In the DS-160, I am a bit confused how we upload passport photo since we cannot snap from mobile phone, do we just scan the passport photo then resize it with the online tool?
4. For appointment confirmation - will it be 2 or1 appointment confirmation printed.
5. Finally, my son’s passport expires in July (less than 6 months) can we apply with this passport but get a new passport for the summer trip
Would appreciate detailed response and any other helpful info in case I missed anything. Thanks so much!
Business To Business / Re: Automate Your Business - Boost Sales, Save Time & Money by toayofo: 9:37am On Jan 29, 2018
Some examples of how our solutions adds value to business.

SALES :Automate your field sales team (track sales numbers,revenue,inventory,sales rep location,gather competitor information and more)

BUSINESS ACCOUNTING: Automate your accounting records (track income,costs ,expenses,set spending limits and more)

COURIER/DELIVERY SERVICE :Automate your deliveries (track time and location of delivery,collect electronic signature , send receipt electronically and more)

RETAIL BUSINESS :Automate your retail shop business (Track sales revenue,inventory,know customer purchase pattern for better planning and more)

ATTENDANCE:Employee attendance monitoring (Know when your workers resume and close from work,stay on top of the situation)

All these and MORE can be done via your mobile phone,tablet (mobile app) or computer (web version). Our solutions are very simple and designed for everyday business use

30 days free trial
Call 08023056248
Email:support@bizzmetrics.com
www.bizzmetrics.com
Business / Re: Automate Your Business - Boost Sales, Save Time & Money by toayofo: 9:35am On Jan 29, 2018
Some examples of how our solutions adds value to business.

SALES :Automate your field sales team (track sales numbers,revenue,inventory,sales rep location,gather competitor information and more)

BUSINESS ACCOUNTING: Automate your accounting records (track income,costs ,expenses,set spending limits and more)

COURIER/DELIVERY SERVICE :Automate your deliveries (track time and location of delivery,collect electronic signature , send receipt electronically and more)

RETAIL BUSINESS :Automate your retail shop business (Track sales revenue,inventory,know customer purchase pattern for better planning and more)

ATTENDANCE:Employee attendance monitoring (Know when your workers resume and close from work,stay on top of the situation)

All these and MORE can be done via your mobile phone,tablet (mobile app) or computer (web version). Our solutions are very simple and designed for everyday business use

30 days free trial.Start using solution immediately
Call 08023056248
Email:support@bizzmetrics.com
www.bizzmetrics.com
Business / Re: Automate Your Business - Boost Sales, Save Time & Money by toayofo: 8:44am On Jan 26, 2018
Stay ahead of competition,boost sales,save time and money
No need for phone calls or lengthy meetings
Save travel time
Go paperless
Take your business with you anywhere you go-know whats happening
Business / Automate Your Business - Boost Sales, Save Time & Money by toayofo: 6:59pm On Jan 25, 2018
Monitor your business performance through real time business reports generated from data entered by your workers out in field or at their work stations.

Get instant updates about your business sales performance, Inventory, revenue, expenditure, staff location, attendance and more!

Simple, easy to use, cloud based mobile app and web based solution, suitable for most business types irrespective of size or complexity

We offer this solution free for the first 30 days with no commitment on your part to subscribe. Start-up cost is minimal and our subscription based approach means your cost will be typically less than 0.01% of revenue

For more information, live demo or details please call Olatoye on 08023056248 or send an email to support@bizzmetrics.com

www.bizzmetrics.com
Business To Business / Automate Your Business - Boost Sales, Save Time & Money by toayofo: 6:51pm On Jan 25, 2018
Monitor your business performance through real time reports generated from data entered by your workers out in field or at their work stations.

Get instant updates about your business sales performance, inventory, revenue, expenditure, staff location, attendance and more!

Simple, easy to use, cloud based mobile app and web based solution, suitable for most business types irrespective of size or complexity.
We offer this solution free for the first 30 days with no commitment on your part to subscribe. Start-up cost is minimal and our subscription based approach means your cost will be typically less than 0.01% of revenue.

For more information, live demo or details please call Olatoye on 08023056248 or send an email to support@bizzmetrics.com

www.bizzmetrics.com
Business To Business / Automate Your Workforce For Optimum Productivity And Boost Sales In 2018! by toayofo: 3:09pm On Jan 15, 2018
Monitor and keep track of the activities of your workers in the field from your laptop or mobile phone!

Our solution is suitable for managing Sales Representatives, Courier/Delivery men, Service technicians and more

We offer this solution free for the first 30 days with no commitment on your part to subscribe. Start-up cost is minimal and our subscription based approach means your cost will be typically less than 0.1% of sales revenue!

Some Solution Benefits - Our Commitment to you!
Complete field automation: Eliminates paper based order forms and phone/ email based reporting.
Real time information: The solution gives real time visibility with rep location geo tagging, solving a key challenge– know when and where your reps are working
Improved information tracking: Dashboards provides an overview of the productivity of personnel, products, and helps the management decision making
Quick ROI: Very short payback periods with near zero capital investments. Our solution is available as a subscription service with minimal starting costs.
Work force optimization: Personnel can potentially spend more time on field activities and visit more outlets as administrative overheads are reduced.
Simplicity. Our solution is extremely easy to use and simple by design. It is made for Africa! Works offline so no worries about data or network connectivity

For more live demo or details please call Bizzmetrics on 08023056248 or send email to support@bizzmetrics.com
Business / Automate Your Workforce For Optimum Productivity And Boost Sales In 2018! by toayofo: 2:56pm On Jan 15, 2018
Monitor and keep track of the activities of your workers in the field from your laptop or mobile phone!

Our solution is suitable for managing Sales Representatives, Courier/Delivery men, Service technicians and more
We offer this solution free for the first 30 days with no commitment on your part to subscribe. Start-up cost is minimal and our subscription based approach means your cost will be typically less than 0.1% of sales revenue!

Some Solution Benefits - Our Commitment to you!

Complete field automation: Eliminates paper based order forms and phone/ email based reporting.
Real time information: The solution gives real time visibility with rep location geo tagging, solving a key challenge– know when and where your reps are working
Improved information tracking: Dashboards provides an overview of the productivity of personnel, products, and helps the management decision making
Quick ROI: Very short payback periods with near zero capital investments. Our solution is available as a subscription service with minimal starting costs.
Work force optimization: Personnel can potentially spend more time on field activities and visit more outlets as administrative overheads are reduced.
Simplicity. Our solution is extremely easy to use and simple by design. It is made for Africa! Works offline so no worries about data or network connectivity
[b][/b]
For more live demo or details please call Bizzmetrics 08023056248 or send email to support@bizzmetrics.com

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