₦airaland Forum

zamirikpo:
What is he saying.....they should increase TB small nah.

Like 7% even 6% sef we go manage.

Very unlikely to increase NTB rate from her countenance yesterday.

There is so much liquidity in the system chasing government securities.

FGN is even happy seeing oversubscription of their securities at the current ridiculous rates.

We need to think outside the box for now.

abimbola01:
FG to borrow 2 Trillion naira between now and end of the year.

7 trillions naira is maturing this year from OMO auctions.

So much liquidity.

The cooperate bonds at 12% will be a good bargain compare to the NTB

abimbola01:
FG to borrow 2 Trillion naira between now and end of the year.

7 trillions naira is maturing this year from OMO auctions.

So much liquidity.

Barrytone:
DG DMO is on Chanel's now, 1900hrs of 9/5/2020

Seems the low rate of NTB we are seeing will stay for a long time because of the excess liquidity

MrMcJay:
Gani's will is being used to teach lawyers how to draft Wills. The Nigerian Law School actually adopted Gani's Will as part of its syllabus.

Even other countries like The Gambia are now using it to teach their lawyers.

Waoooooo

The WILL is very detailed.

Every investors should have a WILL and employ a good company or Lawyer to execute the WILL instead of allowing ones relations fight over your investments.

qmd24:
Please @ ukay2
I am interested in the details of Gani's WILL.
Is it a public document? Kindly share.
Thanks.

It's in public domain. See the link Sir.

https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.pmnewsnigeria.com/2010/06/04/the-late-gani-fawehinmi%25E2%2580%2599s-will/&ved=2ahUKEwjtg5D3qKfpAhVDxYUKHVHTDQkQFjAAegQIAhAB&usg=AOvVaw3JMS_LeOHipbFWMW0tMAR_

emmanuelewumi:
No comment.


We have corruption in the corporate world, legal profession, academia, clergy, accounting profession, civil service, judiciary, political class, journalism, medical profession and many more

Very true Sir.

That is why we must discourage and speak against any form of corruption practices whenever we see it.

gabscity:
I am with u on this bro.

No be today na

NSE don barber me dorimapa many times

Na why I always like to see the other side of ?good results of most companies (what of if it's just packaging am seeing)

AnthonyAnderson:
A woman that has been good and supportive deserves a part of the will even if she chooses to remarry. She definetly would have made sacrificies for the man to acquire such properties by way of delayed gratification... etc. I would never put such clauses. Let us not encourage such acts.

I love my wife and even if she chooses to remarry after I am gone I will only wish for her a happy life with the new man and not take away from her what she had also contributed by way of delayed gratifcation etc. A good wife will honour you even in death.

A lot of men remarry when they loose their wives (inheriting their wives possessions without a will) so why should it be different for women.....

That is why a wife should have her own WILL too. It's not only husband should have WILL.

emmanuelewumi:
Some criminally minded men, now target women who lost their husbands and the man left houses and investments. They will show so much love and affection to those women, they will end up assisting such women to sell the investments and houses. At times they will make such women to combine business with pleasure, whereby such men will be the buyers of the investments and houses. Which they ie new lover will buy on credit or at give away prices.

That is why WILL protects the dead and his desires for the living he left behind.

Especially if a good Trust is executing the WILL. Everybody will comply to the dead person wishes.

I now see WILL as a kind of insurance to protect ones investments after demise.

I learnt so much from Late Gani's WILL.

emmanuelewumi:
Very good insight


A man died at the age of 52, with two houses in Lagos.


He willed the two houses to the two sons, in the Will he said the house must not be sold in the life time of their mother and their mother is entitled to 30% of the rental income from the two houses. The rental income will continue for life to his wife unless the woman remarries.

Men are learning fast.

I just like the bold paragraph in that WILL

Dileem:
NSEMAP Gurus please do you do penny stocks?
If yes, what's your take on Livestock Feed and Union Diagnostic?
Thank you

I don't do penny stocks....but jijo ogas make money from them

I think the 2 stocks you listed should be in oga yok Covid-19 isolation centres, but a good jijoist colud still make money from them too.

Some friends do only on banks like GTB, ZENITH, UBA and UBA.

Me na any good dividends paying stocks in the last 5 years I try to look at them.

I have paid school fees no be small thing.

emmanuelewumi:
Less than 5% of the population are business and Investment savvy. It requires certain attitudes and skills to succeed in this. Some backgrounds and professions encouraged us to imbibe these attitudes and skills. We have a higher concentration of finance professionals who have these skills and attitudes compared to other professions, that doesn't mean we do not have some finance professionals who are not struggling, after all 95% of the population is struggling

No be small thing oo

May God bless our side hussles daily

Amen.

emmanuelewumi:
Investment income is the way to go. Taxes will take majority of the huge salaries, withholding tax on investment income is just 10%

Yes Sir.

Na why I have soaked myself in many investment tools since I have tested and saw its good.


Loooooool

emmanuelewumi:
No need to argue further.

Read the millionaire next door. Physicians are referred as one of the highest paid professionals, but very poor with investments and finance. Lawyers are also well paid, they do a better job with Investments and finance compared to Physicians

You can't compare the financial literacy of a physician with someone who works on Walls street, IMF or World bank, where money and finance are the topic of discussions everyday with a Physician no matter how highly paid

A senior colleague of mine left our regular postgraduate training and got scholarships to do master degree in Global health in Oxford University, later got another scholarship to do her PhD. in Harvard University.

Today, she is working in World Bank in Washington DC.

Won't be surprised seeing her as the Managing Drector of World Bank one day.

She is very focus, young and single.

Her investments are quite huge.....dining with sharks in Wall Streets.

olujaidi:
I didn't base my argument on investment income because we don't have those details. Chances are he has investments too.

You'd be surprised that there are a lot of finance professionals who don't know these things. You'd expect an accountant to be prudent or a smart financial decision maker but that's not always the case

But definitely not Madam N.Iweala

emmanuelewumi:
She is richer than the husband. How many surgeries will the husband perform in a year.
She is an Economist and a Finance professional, this people understand the language of finance and money. So forget salaries...


The CEO of Access Bank earns less than N80 million per annum, but over N900 million as dividends.

For people finance, investment income is the real deal

Na so Sir.

Na why we are following your advice.

emmanuelewumi:
Suffering and smiling, the problems of the average Nigerian men.

Loooooool

Princkez:
I have said it before...something is fishing,we keep our fingers crossed

What of if the fish is rotten?

Loooooool

meshpips:
I have a buy recommendation for one of those four.

Entry level a bit lower though.

International Brewing?

olujaidi:
Agreed but only up to a point. If you've paid the premium, your medical costs will be covered to some extent (depending on your plan) which limits the out of pocket expenses. Also, some employers pay for health insurance so the premium doesn't need to come from the staff

Yes Sir

emmanuelewumi:
It happens to both men and women. I used to have a neighbour who claimed to be a businessman, the wife was an accountant with one of the multinational oil companies with office on Victoria island


When the couple were building their house at Ajao Estate, the husband would inflate and double the cost of materials, he also did the same with mechanics for the repairs of the family cars

Mmmmmm

olujaidi:
Using an HMO plan could mitigate this

People also influence HMOs.

It's just to decide not to partake in corrupt practices

ojesymsym:
This your story. It's the reason why men sometimes act the way they do. First, in credit to woman, she has a good savings culture after all she didn't waste the money.

Since she asked for investment advise and not marriage counseling, you gave her the very best advice. However, she just lost an opportunity to earn the complete trust of her husband. If she has presented her husband with that 5 million and told him that she has been saving it from the 150 for the family, I can almost swear that oga will increase the amount to 200k per month and brag to all and sundry that he has a very good wife.
I think she missed an opportunity. Women and secrets Sha. I fear people that don't fear them.

She is already involved in corruption and she will continue until she seeks God's mercy and restitutions.

What we do in secretes always show in one way or the other....especially in ways we may have forgotten

It pays to be truthful always.

We have power over our choices, but we dont have power over the consequences that will follow later.

emmanuelewumi:
It happens even in private hospitals. How some women inflate the bill and settles the doctors and the accounts staff of the hospital.

Nawaoooo

Things are really deteriorating fast.

Have not had experience this, maybe becauseof my stand against corruption anywhere.

Maywe not be apart of these bad attitudes.

What we get from took picks never feel stomach.

You can't partake in corrupt practices and you want God to bless the works of your hands.

emmanuelewumi:
It happens. Women that are full house wives are closer to the school, they do get inflated bills from the school.



At times if you try to pay directly to the school bank account, the school usually refund the excess to the women. If the school does not agree they will threaten the school and convince the husband that the children should be withdrawn to other schools.
Women who do this know their husbands financial capabilities and women are the ones who shop for schools for the children

Sir, this is corruption.

nna777:
I expect a relatively flat result from dangote. Although the boarder closure will have helped their q3 and q4 sales to jump, part of the profits will be wiped off by increased import duties (cost of importing raw sugar) and also operating expenses. Dividend will be same as last year #1.10k.

Caveat : am in the bus hence the reason for the analysis.

Am in the bus too


Same dividend is better than its downwards

rebekah2011:
I do not know why this Nestle is selling above N1,000

Core investors do not sell...


Most of them are retired civil servants, only care about dividends.



Moreover Nestle EPS dividend payout is more than 50% as you know.

Dileem:
Hi everyone
Great to be here.
I am a NewBie.

Welcome Ma.

Sholapey:
Great! But I was not privileged, my grandmother of blessed memories thought me on how to make money and save for the raining days at a very young age because she was an independent woman that deals with big cocoa and cola nut farm and i use to go to the village with her during school holidays. She thought me the theory and practical of how to fend for my needs through labour. She would say "Atelewo eni kin tan ni ję" Circle matters in life. Today, I am an employer and also an employee for a side hustling...i can do all things through Jesus that strengthen me.

Quite Interesting.

We keep moving with Divine Favours

emmanuelewumi:
Thank God you did not agree to getting married to her son.

If not the son will still claim ownership of the property they have sold, through marriage. He will suggest his name and yours to be on the new certificate of occupancy.

I want to believe that the marriage suggestion was the idea of the son.

Don't mix business or Investment with pleasure.

Words on marble

Sholapey:
I think is the lawless nigeria mentality that makes some of them to be criminal minded. Where I am even if you're a crock in Nigeria, the environment here will teach you to be honest and if you think you're smart, you'll always find yourself in jail.

This is what I like most.

No mercy for corrupt individuals