X21's Posts

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Business › Re: Transport Business: Share Your Experience by X21: 8:52pm On Apr 12

It can be game or life
It is game when you have other income sources but want to learn human behaviour and trust. It is life when you depend on it to survive.
If it is game for you, please go ahead. Most failures recorded were from people who it is life to
Few hints
Would be driver/operator must not have a large family otherwise the whole money will go for family maintenance. A family of not more than three is manageable. Better still if his wife is gainfully engaged and children grown up
Offered your driver unlimited alcohol of his choice during the engagement period. Run if he shows no restraint
Discuss women. If he shows no discipline towards them please don't engage him
Find out his views on football betting and gambling . Your money may be gambled away
What type of apartment does he stay in. He will renew his rent from your business proceeds
Has he driven commercial vehicle before. Why did he quit. The challenges have not gone away, he will quit again. If he has not done commercial driving he will learn on the job with your vehicle.

So many boxes to tick if you are to succeed

Funkybabee:
Good afternoon Nairalanders, I hope you all are doing good? Who can share their experience regarding Motorcycle and tricycle given to people to deliver.

I spoke with my mum and she said I shouldn't dare because Nigerians are wi¢ked in that kind of business while speaking to someone today, that one emphasize a lots on it, which is why I decided to come here to hear people experience about it

Can you share your experience when given out a bicycle or even car to deliver money daily but turned sour?

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 1:16pm On Oct 23, 2025

pz has taken off

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 5:56am On Sep 23, 2025

https://proshare.co/articles/stock-recommendation-for-the-week-of-september-22-2025?menu=Market&classification=Read&category=Stock%20Picks

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 11:33am On Sep 08, 2025

orriyomi33:
Got some units @#35.75 this morning.

There is currently no offers.

maybe some people have seen full year result which was due to be released end of August

Career › Re: "16 Years In Banking And Still Nothing To Show For It" — Banker Laments (video) by X21: 9:54am On Apr 18, 2025

You worked and get paid for 16 years
If you do not have anything to show for the salary you collected, how is it the fault of the bank.
Untill you acknowledge that you have not utilized your resources well and change your ways, your situation will remain the same
In the bank where you work there are wealth creation vehicles, e.g treasury bills, bonds, fixed deposit, eurobond, stock brokerage, yet you will utilise any of them.
Think inwards young man

5 Likes 1 Share

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 8:28am On Mar 31, 2025

https://www.guardian.co.tt/news/oandos-financial-woes-raise-eyebrows-over-tt-refinery-deal-6.2.2268454.518c40ba90

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 2:00pm On Mar 19, 2025

crownprince2017:
Anyone that fights with his/her eye closed is a f®®l, just like a tribe without sense will use destroying of national assets just to pass unnecessary message.

You can do better..

please direct your wisdom to identifying stock that will return huge capital appreciation in the not so distant time

thanks

3 Likes

Family › Re: Your Are Given 800k To Turn To 2m In A Year, What Business Would You Do? by X21: 4:28pm On Mar 16, 2025

IyaTola:
Your are given 800k to turn to 2m in a year, what business would you do?

To turn 800k to 2m in 12 months is to make 100k/month or 1.2m per annum after deducting all expenses.

You can further break it down to 3.34k per day after deducting all cost.

What businesses can give 3.34k daily after expenses

Pos operated in your in a busy place with no or little rent

Transport with okada in an area with high population where such is not banned

Sell raw food e.g yam potato etc in a densely populated area

Sell cooked food in densely populated area if you are a good cook.

Etc
In all these be conscious of expenditure on rent, fitting and fixtures or you will have little left for working capital

If i may ask what businesses gave you the 800k

3 Likes

Politics › Re: CBN Foreign Reserves Hits 3-Year High, Surpasses $40 Billion by X21: 6:18am On Feb 27, 2025

PressMyButton:
https://thenationonlineng.net/foreign-reserves-hit-40b-as-cbn-strengthens-forex-market/

Best metric to measure is net reserve after lessing our external debt

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 9:22pm On Feb 12, 2025

A lot of fragile ego

2 Likes

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 10:38pm On Jan 30, 2025

https://doclib.ngxgroup.com/Financial_NewsDocs/43054_STERLING_FINANCIAL_HOLDINGS_COMPANY_PLC-_YEAR_END_-_FINANCIAL_STATEMENT_FOR_2024_FINANCIAL_STATEMENTS_JANUARY_2025.pdf

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 9:08am On Jan 30, 2025

nosa2:
Does anybody know why the distribution expenses dropped?

I dont think this is going to be sustainable. If it is just a one off then the result is not so good

It is unexplained in the note. Best to wait for Auditors to sign off thie financial before using it to make decisions

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 4:03pm On Jan 29, 2025

KarlTom:
Fantastic one from NNFM Q3 UFS

Massive improvement in both Operating Income and Selling and distribution expenses

https://doclib.ngxgroup.com/Financial_NewsDocs/42981_N_NIG._FLOUR_MILLS_PLC.-_QUARTER_3_-_FINANCIAL_STATEMENT_FOR_2025_FINANCIAL_STATEMENTS_JANUARY_2025.pdf

EPS = ₦23.07

Sundry income of 1.6b unexplained maybe some assets were sold
How did selling expenses drop by 90% from 3b to less than 300m

It just make sense to wait for audited results

2 Likes

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 5:51am On Jan 24, 2025

[quote author=HesInMe post=133842933]I didn't think it was a controversial position. Nearly all new equity issues are dilutive in the short term: You're expanding the number of shares chasing a given amount of profit. Except you think the profit will grow at a faster pace than the share count.

So the real question here is: How will the banks grow their earnings from here on? We all just assume the music will go on and on and on. No one is seriously tackling this question. Keep in mind that we're supposedly at peak interest rates, so their net interest margin (the difference between loan and deposit rates) should fall going forward. And the formal sector is nearly fully banked, so opening another br

Avenues for investment is verse for banks
Net interest and deposit is just one
Who buys up all the treasury bills and fgn bonds?. If rates goes down they are not limited to nigeria.
Other nations sovereign bonds are also there
Who are the big players in forex market globally and locally
Who are the big players even in crypto

What of futures and financial derivatives

The banks know what to do and opportunities are limitless globally

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 5:11am On Jan 24, 2025

[quote author=Makanjuola89 post=133841038]Japaul has Landed!!![/quote0]

Driven by intangible assets and receivable growth
Receivable grew by an amount bigger than turnover and is not explained in the notes

Intangible assets will eventually be written off

1 Like

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 8:12am On Jan 18, 2025

https://businessday.ng/companies/article/fidelitys-20bn-shares-for-private-investors-almost-double-its-combined-offer/

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 6:06am On Jan 09, 2025

Sunrisepebble:
Nobody likes MTN here. Only Oando and Penny stocks
I mentioned when I started buying as soon as price fell to 169 and it was even available at 166-168, it will make us big money this year.
Note: The article is quoting the Minister, no official communication from NCC or percentage increase details yet

Each with his choice
Backed up by his convictions
Penny stocks most likely to do 100% appreciation
Many will not buy share of companies with negative share capital,
Just be happy with your choice

6 Likes

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 1:26pm On Jan 06, 2025

KarlTom:
Something like

Bought at -5%.
Sold at +10%..
Difference is 15%

Sweet daily trading win

Less brokerage charges

1 Like

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 10:31am On Dec 11, 2024

https://nairametrics.com/2024/11/25/seplat-vs-aradel-holdings-which-performed-better-in-nine-months-2024/

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 9:46pm On Nov 03, 2024

BabsO2:
Please next time you sell shares like Dangotesugar after talking well of it please alert people that may have joined based on the good they heard about the company from you. Now many got trapped in DS thinking you are there, not knowing you had exited at good profit point. Sunripebble alerted he took profit in Aradel. Should it happen, please do alert us before taking some profits in Aradel or at least immediately after taking some profit and not months after. So that people can benefit and not assume you that marketed Aradel management is still fully with load of shares in the bus.

He made it public when he sold and moved to fixed income
He advised folks to do so too

7 Likes

Politics › Re: See What Don Jazzy Posted That Make Nigerians To Attack Him (video) by X21: 6:32pm On Oct 22, 2024

voicemail956:
Watch video

https://www.youtube.com/watch?v=3H7j8ff1QIw

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 1:30pm On Oct 15, 2024

KarlTom:
Seems CHAMPION has turned the corner...

Have in mind that is unaudited

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 1:17pm On Sep 27, 2024

essentialone:
Afrinvest Securities Limited have folded up, leaving several of their clients and investors stranded and at a Loss.

just spoke with a staff and no such thing
what your source please

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 11:00am On Sep 13, 2024

X21:
UPDC on full bid
Any idea of what is driving this?

full bid for 3 days
who has information on this

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 12:27pm On Sep 12, 2024

UPDC on full bid
Any idea of what is driving this?

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 1:28pm On Mar 01, 2024

Streetinvestor2:
When will gtbank come to #18 for one oga to buy.it has stopped raining/pouring. We don go back to dry season,lol.

just that you know that ASI is red
the bears are winning

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 10:21am On Feb 29, 2024

japaul gold

no single buyer

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 10:25am On Feb 28, 2024

ASI BELOW 100

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 11:25am On Feb 08, 2024

it is happening so fast

no single buyer for transcorp

1 Like

Investment › Re: Nigerian Stock Exchange Market Pick Alerts by X21: 1:08pm On Feb 02, 2024

vacanci:
someone bought dangote cement at 320. it went on full bids for days and now its settled at 763. are u saying the investor should not be excited?

its not about full bid or full offer. na money we wan make.

go sell it at 763
no buyer

2 Likes

Autos › Re: 2006 Register Sienna @1.5m by X21: 7:42pm On Aug 23, 2023

How is the engine

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