James Ugochukwu

@Mercy_datgirl_ He stole 1k =1k missing He returned 1k = Nothing missing again. He took N700 items = N700 missing Collected N300 change= additional 3 hundred missing Therefore N700 + N300 = N1k missing Answer = N1,000 missing.

5k for whoever gets it right....

@AsusuigboHQ @PeterObi Ya gazie

Ntụgharị n'asụsụ Igbo M na-asi ndo nye Ezinụlọ El-Rufai Anụrụ m ugbu a akụkọ mwute banyere ọnwụ nne nwanne m, Mallam Nasir El-Rufai, Hajiya Umma El-Rufai, na Cairo, Egypt, ebe ọ nọ na-enweta ọgwụgwọ. N’ezie, nke a bụ oge mwute maka ezinụlọ El-Rufai, n’ihi na ọnwụ Mama ha na-egosi njedebe nke nnukwu akụkụ dị mkpa n’akụkọ ezinụlọ ha dịka onye isi nwanyị (matriarch). Ịla nne bụ nnukwu mgbanwe na ndụ onye ọ bụla, n’agbanyeghị ọnọdụ ma ọ bụ ọkwa ya. Ana m ekele miri emi nye Mallam Nasir El-Rufai na ezinụlọ dum. Ka mkpụrụobi ya zuru ike n’Aljannatul Firdaus. -PO

Condolences to the El-Rufai Family I have just received the sad news of the passing of the mother of my brother, Mallam Nasir El-Rufai, Hajiya Umma El-Rufai, in Cairo, Egypt, where she had been receiving treatment. This is indeed a sombre moment for the El-Rufai family, as Mama’s passing marks the close of a significant chapter in their matriarchal lineage. The loss of a mother is a profound turning point in anyone’s life, regardless of status or position. My deepest sympathies go to Mallam Nasir El-Rufai and the entire family. May her soul rest in Aljannatul Firdaus. -PO

@Gosleepriya I need money

How would you explain this question?

@nuradeeeen Agric Mathematics

That’s a wrap! 🎙️ Huge thanks to our speakers @realjamesugo, @vaneza_ug & @Dr_StellaDorgu, and to our host @FemiDlive for guiding this powerful conversation on women in Nigerian politics. See you next time on Matters That Matter! #MattersThatMatter #WomenInPolitics

@realjamesugo is emphasizing a powerful truth 🎙️ Democracy is a game of numbers; women should not fear getting in and dominating. They must also encourage other women to step up and participate. 🔗 x.com/i/spaces/1mnxe… #MattersThatMatter #WomenInPolitics

@realjamesugo is speaking on violence against women during election periods 🎙️ He highlights how intimidation, harassment, and safety concerns push many women away from active political participation. 🔗 x.com/i/spaces/1mnxe… #MattersThatMatter #WomenInPolitics

@realjamesugo is on the mic 🎙️ He’s breaking down the factors limiting women in Nigerian politics tracing them back to the precolonial and colonial era; showing how history still shapes today’s gender and political landscape. 🔗 x.com/i/spaces/1mnxe… #womeninpolitics

@realjamesugo is on the mic 🎙️ He’s breaking down the factors limiting women in Nigerian politics, tracing them back to the precolonial and colonial era; showing how history still shapes today’s gender and political landscape. 🔗x.com/i/spaces/1mnxe… #WomenInPolitics

1 hour to go! 🕖 Across Nigeria, women’s representation in politics has dropped sharply in recent years. Join @realjamesugo, @vaneza_ug & Hon. (Dr.) Stella O. Ayamaka Dorgu, moderated by @FemiDlive, as they break down the facts and explore solutions. 🔗x.com/i/spaces/1mnxe…

Happening tonight at 7PM 🕖 Once, women shaped Nigerian politics, so why are they disappearing? Join @realjamesugo, @vaneza_ug & Hon. (Dr.) Stella O. Ayamaka Dorgu. Moderated by @FemiDlive. 🔗x.com/i/spaces/1mnxe… #MattersThatMatter #WomenInPolitics

@__leenaaa They are pursuing a living till it will be too late to have a life. Then the bothering will hit so hard. The African value won't allow them to be unborthered in peace. At 30 to 35, its still not too late

@asherkkine New car

What do you really need now? New phone Laptop Clear debt Rent N1million Business Support New Car. Be sincere!

@gee_engr Absolutely, buying when it dips is making profit in advance. Forex traders understand this phenomenon better. Either way it's a gain, reason Stock market is not normal buying and selling affairs, its Stock for a reason.

What Should You Do When The Stock Market Is In Dip? Most people always get panicky whenever the stock market is in dips, and it's quite understandable as no normal human likes to lose money. But one thing we must understand is that the stock market isn't a straight line graph — it won't just keep going up all the time. Stocks mostly exhibit a wave-like movement; it goes up and down. The recurring question in the minds of many remains: What should you now do when your stocks go down or the market is in dips? I'd love to use this simple analogy to answer the question: Imagine you started a building project when the price of cement was at N10,000 per bag. And later on, the price of a bag of cement dropped to N6,500 per bag. What will you do? Abandon the building project and sell it off? Or take advantage of the price drop to buy more cement? You can apply the same logic when building your stock portfolio. Every market dip is an opportunity for you to accumulate fundamentally strong stocks at cheaper levels. Emphasis on "fundamentally strong stocks." If you loved a stock at N100, you should love it more at N65. Wealth is built during the red days.

I think we can have a more balanced perspective on this subject if we consider these 5 factors: 1. The average rental yield in Nigeria is about 5% to 7%. For prime locations, it ranges between 8% to 12%. Calculating with these rental yield numbers, a N90M is expected to generate a rent of N4.5m to N10.8m every year. We can peg it at the base minimum of N4.5m. The projected N3m annual rent puts the house at just 3.3% rental yield, which is below the average industry standard. 2. Houses just like every other asset apprecaite in value over time. Owing a rental property is similar to owning a dividend paying stock. Your rents are your dividends. You also have the gains of capital appreciation. Let's say the house owner collects rents for 10 years, he would have earned between N45m to N108m in rental income. Real estate in Nigeria appreciates by an average of 10% (or more depending on location) per year. This means a N90m house should be worth at least N243m in 10 years time. If we factor in the rental income generated from the house within the 10 years time frame, it isn't so much of a bad investment. 3. Reinvesting the rental income into other assets can also help you break even faster. Mr. A that invests his yearly rental income into stocks, bonds, or even other businesses will most likely make more returns from his house than Mr. B who just collects his rents and keeps it in the bank. 4. House is a defensive asset. People use it for a balanced portfolio diversification and a hedge against risks of exposure to volatile asset classes like stocks and crypto. Not all assets should be for fast income growth. Some could serve as a safety net. 5. You can sweat the asset (house) further by using it as a collateral to secure loans for other fast income generating businesses. I know there might be concerns of inconsistent payment of rents, maintenance costs and others, but on a on much bigger scale, if we objectively consider all other factors, building a house for rent is never a bad investment. It may not be the best investment option out there, but it isn't a bad one either.

NAHCO stock's performance in the past 12 years has been quite an interesting one. Price in 2013 — N6.30 per share. Price today — N102.50 per share. 1527% capital gain in the past 12 years. This represents an average annual return of 127.25%. Impressive.

@gee_engr Point blank! You are a reality investor. Thanks for these million dollar financial evangelism. May God reward you for making people millionaire already.

Is Saving In Dollars An Investment? So, there's this popular conviction amongst Nigerians that converting their naira and saving it in dollars is an investment. Well, considering the instability and continuous devaluation of the naira, it is actually a good idea to save your money in dollars to at least to hedge it against inflation. But, the truth is, saving in dollars isn't actually an investment. It is just savings; or at best, a hedge against currency devaluation. I will explain using this simple illustration.... Ten years ago, around 2014, one dollar was exchanged for about N200, which meant that $1000 in 2014 would be N200,000 naira. If you had converted your N200,000 naira to dollars and then saved it, you would have $1000 as of 2014. Presently, the dollar to naira rate is almost at N1700/$. $1000 saved in 2024 would now be 1.7 million naira at the current exchange rate. Just by saving in dollars, your N200,000 have returned an extra profit of 1.5 million naira within the ten years span. This looks like a great deal, right? But if you do a reality check, you will notice that N200,000 in 2014 might just have the same purchasing power with 1.7 million naira today. With this knowledge, do you still think just saving in dollars is such a brilliant idea? Before you answer that, let's look at another scenario.... Within the past ten years, there are some mid/low-risk dollar investments that have generated an average of 10% to 15% ROI annually. A good example of such investments is the $VOO ETF, which has an average annual return of 13% over the past ten years. If you had invested the same $1000 (N200,000) in 2014 into the S&P500 index fund, it would have amounted to over $3600 in 2024. $3600 at the current exchange rate is almost 6 million naira, which means that your N200,000 in 2014 would now be worth 6 million naira instead of 1.7 million naira if you had invested instead of just saving it in dollars. You see the difference? If you just want to hedge your money against inflation, you can save in dollars. But if you really want to grow your money, whether in naira or in dollars, make sure you invest instead of just saving.

REITs REITs is one of the Real Estate investment opportunities with the lowest barrier to entry due to its minimal capital requirement. REITs is simply an acronym for Real Estate Investment Trusts. REITs are simply stocks of publicly traded Real Estate companies. When you invest in REITs, you are simply buying stocks of Real Estate companies to become a co-owner of their properties and share in their profit returns from their different Real Estate investments. Consider it as a pool of funds from different investors managed by a company solely for the purpose of Real Estate investments. These Real Estate investments could be income-generating Real Estate assets such as residential homes, shopping malls, shops, hotels, offices, and warehouses. The introduction of REITs into the Real Estate space is to help middle and low income earners invest in the Real Estate sector with minimal funds. With as little as N10,000, you can co-own a property and earn rental income through REITs. REITs also provide room for diversification of investment within the Real Estate sector. Example of REITs in the Nigerian stock market is the SFSREITs. When you invest in SFSREITs, you become a co-owner of properties in these prime locations: 1. Victory Park Estate, Igbokushu, Lekki 2. Milverton Court Estate, Osapa, Lekki 3. Sapphire Gardens Estate, Awoyaya, Lekki 4. Bourdillion Court Estate, Chevron, Lekki 5. Harold Shodipo, G.R.A., Ikeja. In simple terms, you become a co-landlord without going through the hassles of building a house or directly owning a property. The good thing about REITs is that unlike traditional the Real Estate investments, REITs are more liquid - they are more easily convertible to cash. And the best part? REITs pay dividends. This keeps you well positioned for decent returns from your investment through both dividend payments and capital appreciation over the years. What's your thoughts on REITs? Would you consider adding it to your investment portfolio?