Jay

I want all the people around me to do well and be well. That’s how I know my mindset is ready for more abundance and prosperity.

@WealthwithMiah @TomolaGroup Thank you

@jekwu__ @TomolaGroup Yup.

Your emergency fund is not an investment. It is insurance. Three to six months of living expenses. In a money market fund or high-yield savings account. Not in stocks. Not in business. Not lent to anybody. When you lose your job or have a medical emergency, this money keeps you alive without forcing you to sell investments at a loss.

@HipHopAllDay The fall off CA$INO

Which of these 2026 rap albums are still in your regular rotation? 💿 The Fall-Off 💿 Don't Be Dumb 💿 CA$INO 💿 OCTANE

@alexnewton53 I thought u quit betting 😂

Omo. Make Madrid better mind themselves o.

@bettingkingz9 Solid over 2.5 goals

Name one thing that will happen

“The man who moves a mountain begins by carrying away small stones.” — Confucius

@bettingkingz9 Following someone should be based on value. There are thousands of opportunities on this app aside the payouts.

Check how many people someone is following before you follow them. Too many fools on this app that need to humble themselves.

@Mrbankstips I've not seen a greater punter. Good job boss 👏

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@EteyeabasiN @TomolaGroup Cowrywise

@TomolaGroup Please can I get started with the Money Market Fund on Bamboo? Or any recommendations?

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.

@TomolaGroup I've been asking this question for a long long time. Finally got the answer for FREE. I really needed this. Thank you Toby 👏

A lot of you asked how to actually evaluate a stock so let me show you what I look at before I commit a single naira. Save this. 1. Revenue trend: Is revenue growing for at least 3 consecutive years. One good year could be luck. Three years is a pattern. 2. Profit after tax: A company can make N80 billion in revenue and still lose money. Go straight to the bottom line. Real profit after all expenses, debt, and tax. 3. Cash flow: A company can fake profit through accounting. It cannot fake cash. Check operating cash flow. If profit says N20 billion but cash flow is negative, that profit exists on paper only. 3. Cash flow: This is the one most beginners skip. A company can report profit on paper through accounting tricks but cash flow does not lie. I check operating cash flow. If profit says N20 billion but operating cash flow is negative, that profit is on paper only. 4. Debt to equity: Total debt divided by total shareholders equity. Under 1 is healthy. Above 2 is dangerous. For banks this works differently because leverage is their business model so I focus on capital adequacy ratio instead. The CBN requires a minimum of 10% for national and regional banks and 15% for international banks. 5. Return on equity: Net profit divided by shareholders equity times 100. Above 15% is solid. Above 20% is excellent. Below 10% means management is not working hard enough with your money. Two companies can have the same profit but completely different ROE. 6. Dividends: Has the company paid consistently for at least 5 years. Is the amount growing or shrinking. I also check payout ratio which is dividends divided by earnings. Between 30% and 60% is healthy. Above 80% means the company may not be reinvesting enough to grow. 7. Business clarity: If I cannot explain how the company makes money in one sentence I move on. Cement for a building nation. Banking for 200 million people. Telecoms for a country addicted to data. I let complexity be someone else’s problem. 8. Insider ownership: Do directors own significant shares. Insiders who own shares make decisions like owners not employees. Heavy insider buying is one of the most reliable bullish signals in the market. 9. Valuation: P/E ratio is share price divided by earnings per share. Nigerian banks are at 2 to 4 right now. The S&P 500 is currently trading at a P/E above 26. You are getting some of the most profitable banks in West Africa at roughly one tenth of what American investors pay for their stocks. Then I check price to book which is share price divided by book value per share. Some Nigerian banks are at 0.3 to 0.5. That means you are paying 30 to 50 kobo for every N1 of net assets. Where to check all of this for free. Nairametrics.com for earnings and stock analysis. Proshare.com for company financials and research. Stocksng.com for ratios and valuation. NGX website ngxgroup.com for annual reports and dividends.

@TomolaGroup Ngl...i made this mistake in the past. But it's all part of the learning curve

I want to save beginners from a trap I fell into. Buying a stock just because the price looks cheap. A stock trading at N2 per share is not automatically a better deal than one trading at N200 per share. Price means nothing without context. A N2 stock from a company that is losing money and drowning in debt could drop to N0.50. A N200 stock from a company that earns N50 per share and grows 25% yearly is actually cheaper in terms of value. Price is what you see on the screen. Value is what the business is actually worth. They are not the same thing. A N2 stock can be expensive. A N200 stock can be cheap. It depends entirely on the business behind it. The next time someone tells you to buy a stock because it is only N3, ask them if the company is making profit. Watch their face. Have you ever bought a stock just because the price was low?

@PayneResidence OK. I've been following you for a couple of months. Ur analysis has helped me a lot thanks

@jekwu__ low 50Ks, maybe even 40Ks

#SPX500 Take out the wick, bounce, make a lower high and nuke again. Crypto probably has another leg lower which will be a major opportunity. Next new lows on $BTC is probably a buy for me without thinking much. #SPX #Stocks

@peguy_tbn Sending prayers to you & your mom 🙏

My mother had an accident, and I'm responsible for everything. I didn't have enough time to analyze the matches, but we'll try anyway 🤍

@TomolaGroup Would you continue reinvesting both capital & profit in T-bills after every tenure?

₦2M in TBills ₦1.5M in NGX stocks ₦1M in dollar exposure (Eurobond fund or dollar money market) ₦500K liquid in a money market fund

@alexnewton53 Find your niche, tweet freely, share honest opinions, create value. The engagements will follow

Honestly speaking I'm done chasing twitter payouts. Maybe it's just not for everybody. Lemme challenge this energy to something else. Anyday the Banger tweet comes fine. If it doesn't come it's fine too.

@Firepunts @Mrbankstips @mrbayoa1 My first time playing your game and I won. You gained another follower 😁

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@HipHopAllDay I'm not a Lyricist No Blame Good Flirts

What are your three favorite songs on 'CA$INO', after sitting with the album for just over a week? 💭

@artbychidubem Listened this album again 2 days ago. Absolute classic

My fav album of all time