T Esq.

"If you don't swing, you'll never hit a home run".

What will you say is the best way to learn financial modeling?? I have an answer but I want to know the one that has actually worked for people. Most effective means.

Lesson 4: Be Competitive One thing I notice these days is that many people almost feel ashamed to admit they are competitive. You hear things like I'm not competitive or I just like to do my thing quietly. Sometimes we say these things to sound humble. However, humility and competitiveness are not two sides of a coin. You can be kind, supportive, emotionally intelligent and still be competitive. As a young boy, I was VERY competitive. My friends and I would literally walk into private schools and challenge their best students in Mathematics and Further Maths those days In SS1, I told the person who came first in second term "you can only be joint first with me from next semester because I'm going for not just A but to get the highest mark in all subjects" very audacious boy 😂. From that third term till graduation, I came first consistently. But the interesting thing? The competition was never destructive. We all sometimes read together, played together. We inspired each other. When I got to Yabatech, I went quiet for a while. People barely knew me until I scored 30/30 in our first semester maths test. That's when they noticed 😂. Then I became close with Gbenga (PmP like me). This guy became my brother. We ate together, switched clothes, used the same toothbrush even 😂. I'd borrow textbooks, summarise everything, and we'd both read from my notes. We had the same password. We introduced ourselves to people as brothers. But still very competitive. ND 1 first semester, I had the highest GPA. Next semester, baba overtook me on CGPA with a gap of 0.01. So I said it openly in year 2 I'm getting a GPA 4.0 this semester. That was the only score that could bring us level, provided he also got 4.0. I ended up breaking the record that year ( all A1's across 10 courses ). Some say it was the first time in a long time anyone had done that at YCT. And the funny thing is, that same semester, I was also running 100level at UNILAG. Scored 5.0 there and 4.0 at YCT. Crazy workrate. But I guess that's why certain things my mind drive me to do now don't surprise me Post University , things wanted to change for me. My first psychometric test after passing the SHL test with PwC 10 years ago, one of the questions was: Do you like competition? Do you like to lead? I was selecting NO in all, trying to be humble. I lied against my own nature because I thought it sounded more humble. I failed the test 😂. After that experience, I embraced my nature and keep at it but with more emotional intelligence. Lesson learnt. Two years later, I passed the same test, answered honestly, and joined. Now in work life, you may not compete the way you did in school. But you still need that same spirit. That same energy that fuels you to take on the most complex work, the kind some folks will always run from. The willingness to spend the long hours others won't. The drive to be known as someone who does excellent work. That's what being competitive really looks like in the workplace. Competition is not backbiting. It's not tearing your colleague down or undermining their work. It's raising your own standard over and over again. I'm still competitive today. Just with more emotional intelligence than the SS1 boy who told someone he's taking their position 😂. If you choose a calmer path, that's fine. Not everybody wants to operate this way. But don't let anyone make you feel bad for wanting to be the best you can be. That drive, to push harder, learn faster, take on what's difficult is what produces most exceptional outcomes. Just make sure your competition is with the standard, with excellence, with your own potential. Not jealousy towards others. Be competitive. Be bold about it. And remain kind while doing it. TB 16years ago myself and Gbenga at YCT

Lesson 3: Linear careers, exponential moments Most careers grow in a fairly linear way, through experience, skills, and steady progression across levels (entrylevel → midlevel → Manager → SM → executive roles). This is typical in matured industries like banking, insurance, consulting, engineering, etc. Within these paths, a few people experience non-linear jumps, usually driven by timing, circumstances, or key events (e.g. new business lines, market cycles). We’ve seen cases where people move from Manager/SM to Partner, or become GM/Director in their early 30s. For example, in Big 4 firms, the current average time to Partner may be ~15 years today. But in the past, when the system was in the growth phase, some people made Partner in ~7 years (with averages closer to ~10 years). That kind of acceleration is much harder to replicate now, not necessarily because people aren’t working as hard, but because timing and industry maturity have changed. We saw similar patterns in banking as the industry evolved. And the people who benefit most from those moments are usually the ones already operating slightly above their level before the opportunity arrives. Readiness isn’t just I’ve done my job well, it’s I’ve been stretching into the next role’s responsibilities before anyone officially asked me to.” So why then should I keep putting in the hardwork? The value of sustained effort isn’t that outcomes will equalise, it’s that it improves your readiness and positioning for when those non-linear moments show up. That said, it’s also perfectly rational not to pursue extreme levels of effort if that’s not your path. Working very hard comes with real life tradeoffs. Choosing a more balanced, steady path is not a compromise, it can often be the better choice depending on what you value. And this applies beyond careers. Timing may be outside your control, but readiness isn’t. Keep putting in the work… you never know when your moment will come.

In the 1980s, Brazil’s elite CIGS (Jungle Warfare Training Center) in Manaus had rescued jaguars roaming free during PT as a way to build soldiers' mental fortitude and get them accustomed to realities they may encounter in the jungle | 🇧🇷🐆

BREAKING: NJC recommends the appointment of Justice James Omotosho and 11 others as new Justices of the Court of Appeal

@egi_nupe Saying “allegedly” to post slanderous things you can’t prove doesn’t absolve anyone of liability either “If you can’t prove it, don’t post it”

In my presentation today, I told young lawyers that: The merge salaries they receive cannot sustain them. So they have to start thinking of how to build an alternative source of income through billing for consultation, and building side private practice. Watch this and enjoy

Well he and his second-in Command were killed by the Military in an aggressive operation against Bandits in Mafara, Zamfara State. There is always a saying that when there is a face to a name, there is a death or arrest to the criminal. The other news is still coming.

A colleague in Lagos has some hardcopies of NWLR parts (from part 2000 to 2039, about 6 months) at a super affordable price If you are interested in getting them, please send a DM. Thank you.

Nigerians generally do not use trusts enough. Most elites rely solely on wills, and while that may work for some, it is important to understand that a will and a trust are fundamentally different instruments serving different purposes. In fact, a well-structured trust can serve the purpose of a will and even more. I was reminded of this during the first memorial service of Herbert Wigwe, where Emir Sanusi Lamido Sanusi mentioned how Herbert had helped him set up a trust for his children’s education. He explained that since then, he has never had to worry about school fees again. That example perfectly illustrates the practical value of trusts. One major difference between a will and a trust is timing. A will only takes effect upon death, while a trust takes effect from the moment it is created or whenever the settlor chooses. This means the settlor can actively oversee how assets are managed and deployed during their lifetime and even after death. It significantly reduces, and in many cases eliminates, the disputes that often arise from contesting a will. A trust can be set up for specific purposes such as children’s education, healthcare for a dependent, charity, marriage settlements, or even retirement planning. In many cases, it is the return on investment (ROI) from trust assets that funds these objectives, while the principal remains intact. A major disadvantage of relying solely on a will is that once it is contested, the court typically freezes the estate until the dispute is resolved. In Nigeria, this process can take years. During that time, properties are often neglected, businesses stagnate, and assets lose value. Trusts help avoid this risk because the assets are already under structured and professional management. With a trust, the trustee manages the assets from inception on behalf of the named beneficiaries, strictly in accordance with the trust deed. The trustee’s primary obligation is to comply with the settlor’s instructions whether that means releasing assets upon a beneficiary attaining a certain age, after a specific period, or upon meeting stated conditions. Simply put, a trust involves transferring assets to a trustee to manage on your instructions for the benefit of a beneficiary, who can be anyone, including yourself. In more developed jurisdictions, trusts are widely used as retirement, succession, and wealth-preservation tools, as seen in the referenced video. Business owners often place their enterprises in trust to ensure continuity for underaged or not-yet-prepared children. Many families that once lived in wealth but now struggle did not necessarily fail to build wealth they failed to protect and manage it properly. Trusts provide a structured, secure, and sustainable approach to wealth preservation. In reality, there is hardly any aspect of wealth preservation that a trust cannot cover. As you aspire to build wealth, it is equally important to plan how that wealth will be protected, managed, and transferred. Take advantage of trusts today. Protect your wealth.

Promotion: First Bank Ltd. has now appointed Julius B. Omodayo‑Owotuga as an Executive Director, hours after his exit from First HoldCo Plc. was confirmed.

The best time to look for anything is when you do not desperately need it. It gives you an edge.

Need a chancellor Palpatine origin story

FGNSAVINGS BOND COUPON RECEIVED: A TAX-EFFICIENT WAY TO DIVERSIFY YOUR INVESTMENT PORTFOLIO The coupon payment on my August 2024 FGN Savings Bond was credited today. One of the attractive features of FGN Savings Bonds is that the interest income is generally exempt from withholding tax, making them a tax-efficient investment option for many Nigerian investors. This is a good reminder that a well-balanced portfolio should include different asset classes-not equities alone. Combining instruments such as government bonds, stocks, and other financial assets can help improve stability, generate regular income, and reduce overall portfolio risk.

About 4-5 years ago, we started putting together one of the most immersive internship programs for young lawyers looking to build a career in tech. It is probably my favorite thing that we do at the firm. Applications close this Friday vazilegal.com/careers

Nigerians, a Nigerian is going to play at the 2026 Roland Garros Junior Championships!!!!!!!!! 📢📢📢📢

🚧 IwoRoad don lock 😭 If you never enter road, abeg use another way ooo because traffic choke for this side gan 💔 Omo na only prayer fit save person for this kind hold-up 😂 Update your people too before dem go enter one chance traffic 😩 #IwoRoad #Ibadan #KeepIwoRoadClean #ReclaimIworoad #KeepIwoRoadClean 🌿🔥🌬💨✌️😎💯

@Awamaridiii Uwccc

@Twitchell_Enny Thank youuu

Omo same o

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