IFEOLUWA AKINMADE

When I see entrepreneurs running an unregistered business, I’m tempted to ask WHY but then I remember, there is no REASON just EXCUSES…You have no business running an unreg business. It’s like planting seeds on another man’s land. Click the link in bio.

Check out my latest article: Beyond Estate Planning: Why Discretionary Trusts Are the Missing Piece in Nigeria’s Wealth Structuring Conversation linkedin.com/pulse/beyond-e… via @LinkedIn

One of the most underrated skills you can learn is the ability to ignore your mood and stick with the plan.

@AshE_Nuel This is why people (especially breadwinners) need to set up a trust to warehouse their assets in a central place. In the event of death, distribution of asset is seamlessly handled hy the trustee.

Banks are making a lot of money from dead people. A lady lost her mom since July last year and she buried her and never cared to even check her mom's account. 4 months later, she received a random message from the bank in her mom's phone, nothing serious was in it. Just normal code text. She then checked other messages and she found out 20Million was sitting there. So she went to the bank. I'm very sure the bank must be furious when she came to ask for it, they started asking for documents and more documents. She's the next of kin, why does she have to go through so much, she kept going to the bank for days. No response. This lady was so frustrated that she was getting tired of the demands from the hospital. She was later paid the money only after involving high profile people which is very sad. Banks can do better please. This is one case, their are more cases too.

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Fellow Nigerians, good morning. I woke up this morning after my church service with a deeply reflective heart, and despite every constraint, I felt compelled to share these thoughts with you. Many people do not truly understand the silent pains some of us carry daily—the private struggles, emotional burdens, and quiet battles we face while trying to survive and serve sincerely in difficult circumstances. We now live in an environment that has become increasingly toxic, where the very system that should protect and create opportunities for decent living often works against the people—a society where intimidation, insecurity, endless scrutiny, and discouragement have become normal. More painful is when some of those you associate with, believing you would find understanding and solidarity among them, become part of the pressure you face. Some who publicly identify with you privately distance themselves or join in unfair criticism. We live in a society where humility is mistaken for weakness, respect is seen as a lack of courage, and compassion is treated as foolishness—a system where treating people equally is questioned simply because you refuse to worship status, tribe, class, or power. Personally, I have never looked down on anyone except to uplift them. I have never used privilege, position, or resources to oppress others, intimidate the weak, or make people feel small. To me, leadership has always been about service, sacrifice, and helping others rise. Let me state clearly: my decision to leave the ADC is not because our highly respected Chairman, Senator David Mark, treated me badly, nor because my leader and elder brother, Alhaji Atiku Abubakar, or any other respected leaders did anything personally wrong to me. I will continue to respect them. However, the same Nigerian state and its agents that created unnecessary crises and hostility within the Labour Party that forced me to leave now appear to be finding their way into the ADC, with endless court cases, internal battles, suspicion, and division, instead of focusing on deeper national problems and playing politics built more on control and exclusion than on service and nation-building. Even within spaces where one labours sincerely, one is sometimes treated like an outsider in one’s own home. You and your team become easy targets for every failure, frustration, or misunderstanding, as though honest contribution has become a favour being tolerated rather than appreciated. And when you choose to leave so that those you are leaving can have peace, and you step out into the cold, you are still maligned and your character is questioned. Despite all your efforts to continue working for a better Nigeria and engaging people with sincerity and goodwill, those who do not wish you well continue to attack your character and question your intentions. There are moments I ask God in prayer: Why is doing the right thing often misconstrued as wrongdoing in our country? Why is integrity not valued? Why is the prudent management of resources, especially when invested in critical areas like education and healthcare, wrongly labelled as stinginess? Why are humility and obedience to the rule of law often taken to be weakness rather than discipline? Let me assure all that I am not desperate to be President, Vice President, or Senate President. I am desperate to see a society that can console a mother whose child has been kidnapped or killed while going to school or work. I am desperate to see a Nigeria where people will not live in IDP camps but in their homes. I am desperate for a country where Nigerian citizens do not go to bed hungry, not knowing where their next meal will come from. Yet, despite everything, I remain resolute. I firmly believe that Nigeria can still become a country with competent leadership based on justice, compassion, and equal opportunity for all. A new Nigeria is POssible. -PO

We are hosting a FREE class to simply teach you how money works in detail. How to invest in the stock market How to invest in ETF/Mutual Fund How to invest in alternative assets How to diversify your portfolio docs.google.com/forms/d/e/1FAI… Pls RT

I really love the viral moment that stocks have been having over the last couple of days. Let me dig into the numbers. According to statistics, about 60 millionNigerians between the ages of 18 and 40 are involved in active sports betting. Proshare. Whereas, the Nigeria Stock Market has only 600,000 active accounts. Financial literacy needs to go mainstream. We need to make investing cool. It’s not going to happen overnight, it will require intentional educational and adoption.

🚨Breaking news!! I am starting to question Christianity ❗️ Nobody really told me this is what Christianity is about 😭 I honestly didn’t understand what I was signing up for, and now I’m starting to question my whole decision of becoming a true Christian. Nobody told me that once you become a true Christian, you get “assigned” to the Holy Spirit, like He just moves in and becomes the landlord of your whole life. And this Landlord? Ah. Too many rules 😭 “Don’t do this.” “Don’t say that.” “Don’t even think it.” Excuse me?? Even my thoughts are now under surveillance?? Nobody told me anger will now be illegal. Before, I used to express myself freely 😌 Now it’s: “Be calm… be patient… pray for them…” Pray for who?? The same person that annoyed me?? 😭 Nobody told me small lie will now feel like I committed a federal crime. Before, it was “just a tiny lie.” Now my conscience is shouting like police siren 🚨 Nobody told me I can’t even enjoy my old lifestyle in peace again. The same things I used to do freely now come with instant guilt package. Nobody told me gossip will turn into prayer request. Before: “Come let me tell you what she did…” Now: “Father Lord, bless her and guide her…” God abeg 😭 Nobody told me when someone offends me, instead of showing them my full Jezebel reaction, I’ll just smile like a customer care agent, pray silently, and walk away. Who trained me like this?? Nobody told me if I don’t pray or read my Bible, my whole day will feel somehow, like something is missing, like I forgot my Inhaler at home. I won’t rest until I pray. Nobody told me humility will just land on my head like this. Me that used to carry pride like designer bag, now I’m humble like someone applying for a visa 😭 Nobody told me some places I used to enjoy, like clubs, will now feel like I mistakenly entered another planet. I’ll just be there like: “What am I even doing here?” Honestly… nobody told me I won’t even be able to sin in peace again 😭 Now every day is: “Try again.” “Do better.” “Grow.” Ah. Nobody told me oo… but somehow… I can’t even go back 😅 I LOVE IT📌

Fundamental Analysis: A Value Investor’s Guide to the Nigerian Stock Market Fundamental analysis is the cornerstone of intelligent investing. It involves evaluating a company’s financial health, business model, and market position to determine its intrinsic value. For Nigerian investors, this method is especially powerful given the volatility, illiquidity, and occasional inefficiencies in the local equity market. It helps investors look beyond hype and speculation and focus on real business value. Personally, I have never looked at what the charts are saying, yes! I rely heavily on fundamental analysis to make informed decisions. That’s what the Nigerian stock market has taught me over the years. What Is Fundamental Analysis? At its core, fundamental analysis answers one big question: “Is this company worth more than the market is pricing it today?” To answer that as an investor, you need to dig into financial statements, macroeconomic conditions, industry trends, and company-specific factors like leadership, competitive advantage, and earnings consistency. (I don’t joke with this factor in my decision-making process.) Fundamental Analysis in Nigeria 1. Company Financials (Profit & Loss Account, Statement of Financial Position, and Cash Flow) This is your first and most important layer. Nigerian companies listed on the NGX (Nigerian Exchange) are required to file quarterly and audited annual financials. The Profit & Loss account shows a company’s net profit or loss in a given period. As an investor, pay close attention to: •Revenue Growth: Is the company growing its top line consistently? I like companies that generate strong year-on-year revenue. •Profitability: Look at gross profit, operating profit, and net income margins. •Earnings Per Share (EPS): A key profitability indicator. Rising EPS usually signals growing value. EPS = PAT (Net Profit) / Total Shares Outstanding The Statement of Financial Position (balance sheet) shows a company’s assets, liabilities, and equity. This is where I focus most because it reveals the company’s financial health and what it’s truly worth. Here are some key ratios to watch and what they mean for you as an investor: •Current Ratio: Measures the company’s ability to meet its current obligations. A ratio above 1 is generally considered good. Current Ratio = Current Assets / Current Liabilities •Return on Equity (ROE): Measures how efficiently the company generates profits from shareholders’ equity. I’ve mentioned this several times. ROE = Net Income (Annual) / Shareholders’ Equity Shareholders’ Equity = Total Assets - Total Liabilities •Debt Profile: Nigerian companies with heavy FX-denominated debt or dependence on imported raw materials often struggle during Naira devaluation. This played out during the 2016 and 2023 devaluations. Look at the Debt-to-Equity Ratio and Finance Costs. You should know the companies struggling in this area by now, I won’t mention names. •Cash Flow: This shows the amount of cash flowing in and out of a company. Operating cash flow is king. Profits without cash are meaningless. 2. Valuation Metrics After understanding a company’s financial health, assess whether its current price reflects its true value: •Price-to-Earnings Ratio (P/E): A key metric to determine if a stock is cheap or expensive. P/E Ratio = Share Price / EPS In Nigeria, banks tend to trade below global averages (P/E of 2–4x is common), while other sectors range between 10–15x depending on the industry. Study historical P/E ratios across sectors to better understand fair pricing. •Price-to-Book Ratio (P/B): Useful for asset-heavy sectors like banking. Many companies trade above their book value for various reasons. Personally, I use the P/E ratio more, it’s more realistic in our market. •Dividend Yield: Shows dividends paid as a percentage of the share price. Nigerian investors value consistent dividend-paying companies.

@hiayoola @managemysiteco Hello Daniel, which escrow platform do you use?

Client just approved Milestone 1. M2 already funded in escrow. No back and forth or payment drama. Just structured execution. This is how we run projects at ManageMySite.

Yesterday I found myself somewhere I thought I had long since left behind. I shadowed my wife to ‘represent’ a friend informally in a dispute. The authorities ruled in our favour. We had won. What followed was needless, and I knew it was needless, which is what made it worse. I pettily went back and forth with the adverse party who was very infuriating. Then later I sent a text, which removed every “heat of the moment” excuse available to me. A text is premeditated. I chose every word. I knew I had grieved the Holy Spirit because He did not stay silent. I could hear His voice. And then I saw the image of the suffering servant, innocent, with every right to speak, saying nothing. Here I was, with the full weight of the law already behind my friend, riding a verdict, and still going for the throat. The contrast was not flattering. I repented this morning. And God, in His mercy, laid Malachi 3:3 in my chest. “He will sit as a refiner and purifier of silver; he will purify the sons of Levi and refine them like gold and silver.” The first thing that arrested me was the posture. He will sit. Not stand. You stand when you are in a hurry, when you want something over. You sit when you intend to do the work properly. There is no anxiety in sitting. No impatience. Just total, and unhurried attention. And then he sits as a refiner. This is important because the refiner is not startled by impurity. He expects it. That is literally why he built the furnace. The method is to apply heat until what is hidden rises to the surface, becomes visible, becomes workable. You cannot refine what you cannot see. I understand the heat now in a way I did not yesterday. A two month old at home. Sleep deprivation that has become the weather. My wife’s birthday to honour. A loved one’s visa denied. Work. All of it pressing at once. In a calmer season I may have handled that exchange differently. But perhaps in a calmer season the impurity would have stayed buried, and I would have continued to mistake its absence for growth. The heat did not create what came out of me. It revealed what was already there. That is a humbling but necessary distinction. What undoes me most about this passage is that God is described not merely as the judge of the outcome but as the personal, active supervisor of the process. He is watching. He is tending. He does not look at unrefined silver and pronounce it worthless and walk away. He sits down and says: let’s keep going. And then there is the detail that silenced me completely. The way a silversmith knows the silver is finished is that he sees his own reflection in it. That is the standard. Not comfort, performance or even your progress by my own measure. The refining is complete when God looks at me and sees Himself looking back. It struck me that God is not making me a better version of myself. He is making me a mirror. I am not there. I may not be there for a long time. But I am in the right furnace, watched over by the right hands, and the Refiner has not left His seat. Finish your work in me, Lord. And when you look, may you see your own face.​​​​​​​​​​​​​​​​ Amen 🙏🏾

Sometimes the people who had access to you don't realize how unreachable you are to everyone else until they become everyone else.

@Topback9 @47kasz Ive been using his service for about 4 months now and he's reliable and respond on time which is key for me

@47kasz Apple TV is working in Nigeria. You can access it without VPN on your phone, TV (via Firestick/TV box), PC & smartphone. You won't need firestick/TV box if your TV is an Android TV. Should you need assistance setting up your device or in need of the account, don't hesitate to DM

Is Apple TV now working in Nigeria Or them no send us???

There's a physicist at Stanford named Safi Bahcall who modeled this exact principle and the math is wild. He calls it "phase transitions in human networks." When you're stationary, your probability of a lucky event is limited to your existing surface area: the people you already know, the places you already go, the ideas you've already been exposed to. Your opportunity window is fixed. When you move, your collision rate with new nodes in a network increases nonlinearly. Double your movement (new conversations, new cities, new projects) and your probability of a serendipitous encounter doesn't double. It roughly quadruples. Because each new node connects you to their entire network, not just to them. Richard Wiseman ran a 10-year study at the University of Hertfordshire tracking self-described "lucky" and "unlucky" people. The single biggest differentiator wasn't IQ, education, or family money. Lucky people scored significantly higher on one trait: openness to experience. They talked to strangers more, varied their routines more, and said yes to invitations at nearly twice the rate. The "unlucky" group followed the same routes, ate at the same restaurants, and talked to the same 5 people. Their networks were closed loops. No new inputs, no new collisions. Luck isn't random. Luck is surface area. And surface area is a function of movement. The lobster emoji is doing more work than most people realize. Lobsters grow by shedding their shell when it gets too tight. The growth requires a period of total vulnerability. No protection, no armor, soft body exposed to the ocean. That's the cost of movement nobody posts about. You have to be uncomfortable first. The new shell only hardens after you've already moved.

The rest of the world is starting noticing the problem which we at #Qubic already found a potential solution for - x.com/sukh_saroy/sta….

How to build a stock portfolio from zero with N50,000 per month. Month 1 to 3: Don’t buy any stocks yet. Put N50,000 per month into a money market fund. Build N150,000 as your starter capital while learning. Month 4: Buy your first stock. Pick one bank stock. Maybe Zenith or GTCO. Use N50,000. Month 5: Buy a second stock. Different sector. Maybe a consumer goods company or Dangote Cement. Use N50,000. Month 6: Buy a third stock. Maybe MTN or an industrial stock. Use N50,000. Month 7 onwards: Rotate between your 3 to 5 stocks. Add N50,000 per month to whichever one is cheapest at the time. By month 12 you have roughly N600,000 spread across 3 to 5 quality companies. By year 3 you have almost N2 million working for you. Plus whatever dividends you received. Plus whatever price appreciation happened. This is not get rich quick. This is get rich for certain.

YouTube has tons of learning opportunities. I believe that I spend most of my time there. As a finance professional, if you want to move from 0 to something, take your time to watch the following videos to increase your overall value. >>>

If you are under 30, your portfolio should probably be 70 to 80% equities and 20 to 30% fixed income. You have time to recover from short term dips. You don’t have time to waste sitting in low yield accounts while inflation eats your money alive. Age determines asset allocation. Youth is your superpower.

There are exactly 3 ways you make money from stocks. Most beginners only know the first one. 1. Capital appreciation — You buy at N50, price goes to N80, you sell and pocket N30 per share. 2. Dividends — The company distributes a portion of its profit to all shareholders. If you own 1,000 shares and the dividend is N5 per share, N5,000 lands in your bank account. No selling required. 3. Bonus shares — Instead of cash, the company gives you extra shares. If you have 100 shares and they do a 1-for-10 bonus, you now have 110 shares for free. Those extra shares will also earn dividends and appreciate. When you combine all three, the stock market becomes a wealth-building machine that most people do not fully understand.

6 things nobody taught you in school: 1. Compound interest: Your returns earn their own returns. It snowballs. 2. Treasury bills: Loan the government money. They pay you 22-25%. 3. Inflation: N1 million at 1.5% savings loses 13.5% buying power yearly when inflation is 15%. 4. Stock market: Buy small pieces of real companies. They grow, you grow. 5. Pension: Your pension fund earned 26% this year. You’re already in the market. 6. Budgeting: 50% bills, 30% investments, 20% emergency. No wonder most people figure out money by accident in their 30s.