Freelancer Ben 🐐

@MartienBall In the same order as you

Anderson, Tonali, Wharton, Baleba or Guimaraes… who are you picking first?

@Footballtweet Habit is everything

🇹🇬🗣️ Emmanuel Adebayor: “When I arrived at Real Madrid, we all knew that Cristiano Ronaldo was a true professional. Always punctual, always focused. I wanted to give my best from day one, so I decided to arrive an hour before training, at 8:45. I thought: ‘I’ll be the first to arrive, set the example, show that I’m professional.’ But when I walked in, the place was dark and silent… until I heard noises downstairs. I asked about it and they told me: ‘Cristiano is already swimming.’ I couldn’t believe it. He had been there since 7:30, doing his routine while I thought I was early. I went to greet him, we spoke briefly, and he was kind. But I realised something: he wasn’t there to impress anyone — he was there because of his passion and discipline. Three hours before training, working in silence. From that day on I understood that the difference between being good and being legendary isn’t talent — it’s daily commitment. And today, even at 41, he’s still at the top of football, a living example of consistency and love for what you do.”

@gee_engr I'd rather have a better cashflow......Where I am paying less for my liabilities while making more money

If I were to choose between making more money and cutting down my expenses, I will always choose making more money.

@Cunha__utd Pogba, Martial, De Gea

Gun to your head, bring 3 back.

@iam_commando Elot, Adam, Bruno

Manchester United fans, pick your 3 preferred midfield options below. Bruno Guimaraes Adam Wharton Elliot Anderson Carlos Baleba Mateus Fernandes Sandro Tonali

@MrMekzy_ Arsenal

Name a huge scam.

@TomolaGroup Cashflow is everything for me. You can analyse it with assets, liabilities and debt

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.

@oluwabaronn Look at their goal difference ode

Rayo Vallecano with 10 losses in laliga - 13th on the league table Liverpool with 10 losses in the “ intensity league” - 5th on the league table I can nevrr take this league seriously 😂😂

@AdamJoseph Buy him then get Elliot.....we would already have Bruno replacement a few years before he leaves

Bruno Guimarães to Manchester United keeps picking up momentum. Whatever is happening with Elliot Anderson or any other CM target, it is clear now that the club are doing due diligence, is he emerging as the top midfield priority? It's potentially heading that way. Fernando Kallas started everything earlier this week & he was the one who broke Guimarães' previous move. Ben Jacobs reported a gentleman's agreement for Guimarães to leave Newcastle, Fabrizio Romano said he was one of many options & interest is real. Brazil's UOL corroborated Kallas' report, saying Guimarães is the club's main priority because of his PL experience, leadership & "affordable" price. Now Romano is echoing prior reporting with his update. Whoever you prefer, this screams club ambition. Targeting one of the best players in his position in the world, with a potential market opportunity because of his gentleman's agreement & while any deal would be complex, expensive & is far from done. Either way, we are heading for one hell of a transfer window. Free Bruno Guimarães.

@AdamJoseph Also because Casemiro recommended him

@marjidofficial Yo are not rich

My Monthly Subscription Netflix Premium - 8,000 Starlink - 57,000 Prime Premium - 20,000 Electricity Bill - 80,00 Water Bill - 20,000 100 Liters Fuel (Car) - 130,000 100 Liters ( Gen ) - 130,000 Car Maintenance - 158,000 X Blue Badge - 14,000 Instagram Blue Badge - 18,000 Telegram Premium - 8,000 Total - 643,000 ( Monthly Subscription ) I do not even want to start talking about my workers salary 😭😭😭😭

@Oluwapeluademi @iam_commando Deluded people

@FreelancerBen @iam_commando One even dey talk say Rice better Beckham for set piece and still con pick Saka over gigs

Premier League Player of the Season conversation? Igor Thiago, Bruno Fernandes and Declan Rice. Let’s analyse and each players according to their primary roles. IGOR THIAGO: Brentford’s top scorer. Goals: (19) 2nd 🥈 G/A: (20) 3rd 🥉 Goals per 90: (0.73) 2nd 🥈 XG: (17.49) 2nd 🥈 Top 2 striker in the league. BRUNO FERNANDES: G/A: (23*) 2nd 🥈 XA: 1st 🥇 Assists: 1st 🥇 Chance created: 1st 🥇 Big Chances Created: 1st 🥇 Chances Created from Set Pieces: 1st 🥇 Through Balls: 1st 🥇 Chance created from open play: 1st🥇 Key Passes: 1st 🥇 He is the best player in his position by a mile. DECLAN RICE: Goals: 55th Assists: 8th Interception: 27th Successful short passes: 10th Successful crosses open play: 22nd Duels won: 66th Blocks: 53rd Total passes: 7th Total tackles: 21st XA: 3rd 🥉 He is not the best player in his position. Players like Bruno Guimarães and Enzo Fernandez outrank him in all stats in his position. Numbers don’t lie and eye tests don’t deceive either. Delan Rice has done nothing special to be considered as the player of the season.

@Oluwapeluademi @iam_commando One Arsenal fan nearly fight me on the matter after reading one English article on the best player in the premier league

@iam_commando But wait, I think say everybody dey catch cruise with this Rice and Bruno debate ni. So some people actually sit down watch Bruno and Rice for over 25games, still con decide say Rice better ham. Omoooooo 🤦

@Crypto_Diet It all depends on the individual

A Nigerian earning ₦800k salary monthly. Another Nigerian running a small business making ₦800k monthly. After 10 years… who is more likely to be truly wealthy?

@NonsoEzeani1 @ifedayo_johnson A simple research will tell you Lagos geographical location and as a former capital, puts it ahead of other regions especially when infrastructural development is being discussed. For example, the lagos-ibadan expressway is constantly in Nigeria's budget every year

@ifedayo_johnson States that take taxes must serve the people without sentiments. You all MUST LIVE with this & stop whinning. The massive deployment of federal funds into infrastructural development of Lagos makes it stark insanity for anyone to turn around & ask people to go elsewhere.

London land mass: 1,572 km² Lagos land mass: 1,171 km² London population: 9million Lagos population: 21million Even with the 9 million people in London, it looks overcrowded. Now imagine 21 million people in a place smaller than London. Twenty one million people live in Lagos! 😭 To effectively tackle the numerous issues facing Lagos, all states must function. Hold your State Governors accountable. What investment are they driving to the state? What are they doing in terms of security, housing and transportation? Lagos is overcrowded!

@g_diets_ Olive oil Avocado Sardine Yoghurt Palm oil (moderate) Butter Tallow Etc

It’s not the fat you eat that makes you fat. It’s the carbs. Carbohydrates, especially refined ones, turn to fat in the body and cause problems. You need healthy dietary fat. Take note of this.

@SimplyUtd Clowns with a mic

🚨🗣 Ben Foster: "Bruno would start for Man City and Arsenal" 🗣Ben Tozer: "He would not, NO CHANCE, not for Arsenal. He plays probably No.12 on the bench, Cause he wouldn't work hard enough out of possession to start with" [The Football Fill-in]

@Mubarak_mubious Go for various test before you start any weight loss plan

what’s an underrated weight loss tip ??

@g_diets_ Tell that to the northerner and polygamist in Nigeria whose religion supports it. Nigeria can never be better, no be swear. The citizenry and citizenry is fantastically corrupt. You don't know if you are even fighting poverty or fighting corruption..

If you had given birth 10, 15, 20years back, that was the best time economic wise. Currently Nigeria doesn’t deserve kids anymore. It’s a zero sum game.

@ESPNUK Very difficult to pick

All in their prime, who you taking? 🤔