Agbeje

@Officially_Kriz Which equity fund did you invest this in, please?

The end of year bonus I collected from my company. I invested it in an equity fund in January. That money has doubled so far... I know some of my colleagues who squandered theirs, btw.

If you want to really, really stay at the top and flawlessly eat in the financial services industry, you need to have a very solid knowledge and understanding across these four cardinals: ✑ Understanding macroeconomics ✑ Knowledge of finance ✑ Understanding how businesses work and the various types of business models ✑ Knowledge of accounting It is like combining economics, finance, business admin, and accounting into one.

@anthonyuzum Thanks for responding!

@MosesAgbeje TIP is my largest holding if the PO is allotted in full, 22% of my portfolio.

Custodian

A really nice one. 👍👏

This post prompted me to write something. open.substack.com/pub/igwe007/p/… Back to my shell

Nvidia CEO defines what it means to be smart and importance of seeing around corners

@Omo_Adesawe I am going to quote this: “The key is patience, discipline, and knowing why you own what you own” Say no more!

NIGERIA STOCK EXCHANGE PERIODIC BEHAVIOUR ONE YEAR BEFORE , ELECTION AND POST ELECTION YEARS In response to one of the question asked in our last space @greentickertale , these were my findings . Please feel free to contribute .

BUA Foods: ✑ Market value: $9.9bn ✑ Total assets: $956mm ✑ Revenue: $980mm ✑ Asset turnover: 1.03x MTNN: ✑ Market value: $9.4bn ✑ Total assets: $3.4bn ✑ Revenue: $3.4bn ✑ Asset turnover: 1.00x Dangote Cement: ✑ Market value: $8.6bn ✑ Total assets: $3.9bn ✑ Revenue: $2.9bn ✑ Asset turnover: 0.74x Airtel: ✑ Market value: $5.9bn ✑ Total assets: $13.4bn ✑ Revenue: $6.2bn ✑ Asset turnover: 0.46x BUA Cement: ✑ Market value: $4.5bn ✑ Total assets: $1.2bn ✑ Revenue: $788mm ✑ Asset turnover: 0.65x Seplat: ✑ Market value: $4.5bn ✑ Total assets: $6.2bn ✑ Revenue: $2.9bn ✑ Asset turnover: 0.47x ☞ The coy with the least assets and revenue, BUA Foods, is the most capitalised company on the NGX. There are questions about BUA Foods’ price discovery, but the company is the fastest-growing among names on the list. It is also the most efficient in terms of its ability to sweat its assets (which can be attributed to positive economics associated with its business, e.g., market structure, pricing power, distribution strength, bargaining power over customers) ☞ Airtel is the least in terms of sweating its assets out, and when compared to MTNN. If I strip out “goodwill” from Airtel’s balance sheet, the asset turnover improves to 0.6x. But I won’t. The original asset turnover of 0.46x is what I’d work with because it tells me that Airtel probably overpaid for previous acquisitions (if your “goodwill” cannot translate to much more revenue for me, then there may be a problem with the price I paid). Generally, any disparity between the total assets, revenue, and market value dynamics of companies typically rests on the following: 1. Revenue growth rate: stage of business lifecycle. Also influenced by industry structure and the bargaining power of the business 2. Profit margins, influenced by pricing power and business model 3. Level of investment requires: how heavy are working capital requirements and capex 4. Indebtedness: what is the capital structure of the company Once you evaluate companies within these contexts, you can easily identify which of them may be mispriced.

It can really be very frustrating to always apply for roles across several organisations and be rejected. Hmm, I know, I know. It can be crazy. I’d try to provide some contexts, perhaps anyone who falls in the category can think through them, and perhaps improvise on their approach and strategy. The first thing you gotta understand is that there is “being good” and there is “being good enough”. And this is why I say it very often that the goal is to be as competitive as possible. We were all here a few weeks ago when lads from Unilag celebrated their graduation. “5.0 here”, “4.97 there”, “not first class, but shchdhshshsheehss”, etc. Nigerian universities release about 10k graduates every year on average, with roughly 5% of them with a first class. Several thousand in the second-class upper band. I used the popular ones as references, including Unilag, OAU, UI, Unilorin, etc. We still haven’t factored in graduates from the likes of LASU, OOU, etc. And we have not factored graduates from the likes of Covenant, Babcock, Afe Babalola, etc. All of us are competing in this same market. By the way, some of these lads that went to school in Yankee too sometimes come to lay their claims in this same market. “Okay, you have a first class from Unilag, someone else has a first class from OAU; we have parity, what else?” “Okay, you have a first class from Unilag plus ACA and awards from extracurricular activities (e.g., inter-debate competitions); someone too in this market has a first class, plus ACA with a national prize; we have parity, what else?” "Okay, I have a 'strong 2'1'"; well, there is someone with a first class. And there are tons of others with a "strong 2'1". We have parity, what else?" What makes you competitive? You gotta find it. And you can only keep trying and refining (because that is what you can effectively control), you have no idea what others have in their stack. The employer that collects CVs and rejected yours probably saw all kinds of profiles and felt yours was not competitive enough. If you have been applying multiple times and you keep getting rejection mail, something is either wrong with your content or your strategy is off somewhere. All of them cannot be “wicked” or “unfair”. You may need to change your approach or content. Fine-tune your CV to the highest standard possible, reevaluate yourself to be sure that you are considered competitive enough. Again and again, there are insane profiles out there, and it is war. And you gotta fight because getting a job is about your livelihood. If, according to you, you think you have all it takes but still keep getting rejected, maybe you need to communicate it differently or enter through another door. Okay, others are applying, but you applied and sent a message to one senior person in the coy on LinkedIn or wherever, sharing your thoughts about a product or service pattern/delivery you observed and suggested what they can change. Okay, okay, now here is someone serious, and that is one style/approach. There are other ways to stand out in a relatively crowded space. We can have other conversations about why we don’t have enough jobs for everyone, but all of that is not new, and it is “historical facts”. Today has come, how do you live and carve your own path? How do you survive? So in summary, you gotta do a lot of “homework” on yourself (the first of which you do yourself a great favour by graduating with the best grade possible). Build your skills and exposure, and then learn how to communicate/demonstrate them. And also pray for divine support. For example, we have 10k graduates from every uni, with 5% of them with a first class. Maybe God can open their own way to leave this market for us to “figagbaga” with them Bank of America, or Goldman Sachs. Or let the ones that will deny us (due to a better profile) have so many options that they let go of the ones we are pursuing (the only option for us). Or pray for the right guidance and information to opportunities (sometimes, that is the gap we need to fix). No one owes you a job, literally. And you are not entitled to get a job because you went to school. You want a job, you work for it. You want the best jobs? You have to be up there in the competition. You get a job because you have the “required knowledge, skills, exposure, and other capacity”. Be consistent. If you are knocking without response, change your strategy. Change your approach. If you have done that and it is still not working, be patient and keep working hard. You have started the bus trip to Ilorin. When stuck in insane traffic, you have two options - be resilient and see through to your destination, or turn back home. Doing the things required to get a job is part of “execution”. Demonstrate that you are “employable” by executing successfully. It’s not easy, surely. It’s draining, yes. But I’d understand this if you were the only one faced with challenges. But no, you are not the only one. And everyone is moving. You will be fine. Now, let’s rethink our strategy and approach. Selah✌🏻✌🏻✌🏻

Look, in investing, your morning is when you wake up. Stop beating yourself up about past performance or other peoples’ performance. Focus on you and be optimistic about the future. You will be fine.

If your goal is to build a consistent habit of investing from your earnings, you are in the right place. I will drag you in my journey and you won’t regret it. I have something for everyone, I invest every week and also on monthly basis. I invest unexpected expenses too. So, choose your own. 😊

“The five most dangerous words in business are: Everybody else is doing it.” — Warren Buffett

It’s BELIEVERS CONVENTION 2025 Times of Refreshing November 7-9,2025 Watch this video Share with a friend Be there ! Jesus is glorified Amen

🚨🎥 Athletic Bilbao have posted this video on TikTok and captioned it “Welcome to San Mamés, welcome to hell.” #MUFC

New on Livingwordmedia TAKE ANOTHER CHANCE (A closer look at God's forgiveness) One of saints community Church's classics. Taught 2009. It will give encouragement and direction to many . Restoration to countless men and women . It's Christ taught in direct application of His truth. You got anyone trying to get back on his feet running again in the faith ? This is it ! Downloadable now on livingwordmedia.org Tell a friend Pray for us It's Jesus revealed around the world We cover the earth

Hello Friends Watch this excerpt “God’s greatest commandment & your local church “ It will bless you Share with a friend especially a pastor and church worker Jesus is glorified #chrissegunonayinka #saintscommunitychurch

God's Plan for His Church | Rev. Adedayo F. Ponnle Kindly click on link to watch on Facebook fb.watch/lBxsz_7IlG/ Or Watch on YouTube by clicking on the link below youtu.be/CqlL-Jlrav0

Hello Friends Stay tuned 9pm tonight With Revd Adedayo F. Ponnle GOD’S PLAN FOR HIS CHURCH Share with a friend