HAPPY

Good morning, Champions! The candle flickers, but the spirit shines brighter than any generator. May every minutes of your day be filled with shining moments.

The difference between Treasury Bills, Mutual Funds, and Federal Government Bonds Treasury Bills are low risk government backed investments where you are essentially lending money to the government for a short period. You buy at a discount and get your full amount back at maturity plus interest. They are best for short term, usually under one year, and are ideal if you want capital safety. Mutual Funds are pooled investments managed by professionals. They are more flexible because you can usually withdraw when needed, and they can generate returns through diversification and compounding. They suit people who want a balance between safety and growth over time. Federal Government Bonds (FGN Bonds) are also government backed but designed for longer term investing. You lend money to the government for 2 to 3 years or more and receive interest payments periodically, while your capital is returned at maturity. They are best for long term, stable income seekers. In simple terms: Treasury Bills are short term and predictable Mutual Funds are flexible and growth oriented FGN Bonds are long term and structured All three are relatively low risk and often accessible with small starting amounts.

@ashiedu_victor @ifetemini @balogun_onome @grok On top 1,200 😅

@ifetemini @balogun_onome @grok I will sue you 😭 After I don call DPO to ready mopol with Hilux 😭

See what I found in one “stock jeans” I bought a few days ago. 10,000 Korean won. I don blow. First thing tomorrow morning I am going to Bureau de change. I should get nothing less than 1 million naira make I go flex my wife. 🕺🏽

Some of you will touch ₦20m for the first time and immediately rush to buy iPhone 16 Pro Max & plan vacation. Relax. Lock down 7 year govt bond @ 17% → ₦5.5m Buy stocks of good companies → ₦9m Put ₦3m into Money Market(or Equity) Funds Keep ₦2m and continuously flip commercial papers Use 500k for liquidity. Your life won’t be stressful again. School won’t teach you this. I just did.

I just heard an analogy now that I love. Get your portfolio to a point where 1% gain in your portfolio will take care of your monthly expenses. Once that’s achieved , get it to a stage where 1% is equivalent to your monthly take home. I love it

"Can't go empty and leave empty" – Woman says she won't marry if the man asks her to sign a prenup

@Mazi_Chinonso1 No argument. He can carry his cement at the price he previously paid, but charge him for warehouse costs.

Someone bought 50 bags of cement when it was sold at 11k he didn't carry it as at the time he paid, he now wants to carry it the seller refused release the goods because the price has changed (even though he paid in full)

There was a time the whole street would go silent when “Who Wants To Be A Millionaire” was on TV. Families gathered together, parents answered questions confidently, children learned new things, and people actually admired intelligence. Now the same attention has shifted to Big Brother Naija. We moved from celebrating knowledge to celebrating gbas gbos, ships, and scandals. One program made people want to read more. The other makes people want to trend more. That switch says a lot about us as a society.

@Onsogbu Document everything: original receipt, current price list, your offer. Stay calm but firm. no refund now, either pay difference or you refund original amount If he wants to sue, let him. It’s a small claim. Courts typically side with sellers in commodity disputes like this.

@Onsogbu You’ve been patient: You held 150 bags for 4 months that’s… 1. warehouse costs, 2. risk of damage/theft, 3. tied-up capital). Your offer to refund if unhappy was actually generous.

I sell cement at the market here in Abeokuta. A customer came to pay for 150 bags of cement, collected receipt and disappeared for over 4 months. Yesterday, he came back with trucks to carry the cement. He said he had been seriously sick since the day after he made payment, that’s why he couldn’t come earlier. I explained to him that the price of cement has increased since then and he needs to add more money before carrying the goods. I even offered to refund the exact amount he paid back then if he’s not comfortable. Omo, the man got angry immediately He said he’s not adding any money and he’s not collecting refund. According to him, “na the cement wey I pay for I wan carry.” He even threatened to drag me legally next week. Before he drags me, that’s why I said I should ask if I’m really wrong because honestly, market price don go up and I no wan lose money o. Pls what do I do now I need your advice it seems this man wants to chêât me ?

“This is 1:53 AM, and this is what I go through every night” – Nigerian University Student reveals

How to calculate your dividend from stocks Imagine you invested ₦1.5 million in GTCO some months ago at around ₦135 per share. That means you bought approximately 11,111 shares. GTCO recently paid a final dividend of ₦11.76 per share. Here is the simple calculation: 11,111 shares × ₦11.76 dividend = ₦130,665 cash payout That is money paid directly to shareholders simply for owning the stock. Now add capital appreciation: • GTCO share price has moved from around ₦135 to about ₦140 - ₦144 • Your ₦1.5 million investment is now worth approximately ₦1.55M - ₦1.60M So your total return comes from: • Share price growth • Dividend income • Long term compounding Start small. Stay consistent. Buy quality companies. Follow this account to get smarter financially.

Option A 10,000 Units of Aradel @ 1880 Or 629,000 units of Eterna @ 33.5 Option B 1000 units of MTN @ 790 Or 385,000 units of CWG What are you picking?

A 100K STOCK PORTFOLIO 1. Jaiz bank, 5000 shares = N45K. A solid bank with nationwide spread. Always on the rise. 2. Japaulgold, 80000 shares = N24K. Mining & Energy giant with strong momentum from its Gold expansion. 3. NAHCO, 230 shares = 46K. Strong aviation activity, 2025 revenue rose above N65b, one of the strongest growth stories on the NGX. I will bet my money on them. As always, this is not a financial advise. You're responsible for your actions & inactions. Take it as a blueprint.

"I have been unemployed since 2009" - South African 🇿🇦 graduate 🎓

Man exposes with AI Meta Glasses how Customs officers allegedly stopped him on the road and extorted him of ₦200,000. Omo, Nigerians no even get rest; police go extort, EFCC go extort, FRSC go extort, VIO go extort, now Customs too. 😭

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JOB ALERTS Ongoing 2026 Graduate Trainee Programs Application 1. SEPLAT Graduate Trainee Program 2. Dangote Refinery Graduate Trainee Program 3. BUA Agri Trainee Program 4. Pepsico Graduate Trainee Program 5. Renaissance Graduate Trainee Program 6. Baker Hughes Graduate Internship Program 7. TREXM Holding Graduate Trainee Program 8. Reliable Steel Graduate Trainee Program 9. And many more All available at jobbank.ingawafellowship.org

AVERAGE COSTS OF A WEDDING FOR 2026 Decor N8.5m Catering N5m Venue N2m Lighting &Effects N2m MC and DJ N1.5M Planning/Coordination N500k Hair&Makeup N450k Photography and videography N600k Cake 250k Bouncers 100k Ushering 100k Live band 500k Photobooth/360 N500k Rentals N2m Think before you get married.

Being Dangote is not having cash. Being Dangote is having cash in a safe bank, then taking that cash from that safe bank and investing in a start-up. Some of you have N5m in one Fixed Deposit, you will never risk it, highest you will buy $ Entrepreneurs, all of you, take your flowers, sha