@stehveen@Nwabulibu Since them born you wey you don d vote, tell me when pvc don ever help you, if you tell me N500k for you. Una go d shout pvc as if the last election just concluded ooo never teach una lesson reach.
10 GitHub repos that should be illegal โ they're killing $50 billion in corporate revenue.
SAVE IT
1. yt-dlp
Downloads any video from YouTube, X, TikTok, Instagram, anywhere. YouTube Premium charges $14 a month to do less than this. It is 100% free.
Repo โ https://t.co/asCCPacdym
2. Ollama
Run GPT-4-class AI on your laptop. No API costs. Developers spend $500 a month on OpenAI for what Ollama runs offline for $0.
Repo โ https://t.co/twAjGpq17z
3. Fooocus
Midjourney-quality image generation on your own GPU. Midjourney charges $30 a month. Fooocus runs unlimited generations for free.
Repo โ https://t.co/1y0GAdSxfiโฆ
4. Whisper
OpenAI's transcription model, open-sourced. Otter charges $20 a month for what Whisper does for free, in 99 languages.
Repo โ https://t.co/Q8SOYCAzgT
5. Plausible Analytics
Privacy-first Google Analytics replacement. Google Analytics 360 costs $150,000 a year for enterprises. Plausible self-hosted costs $0.
Repo โ https://t.co/4KyfxVi13aโฆ
6. AppFlowy
Open-source Notion. Notion charges $20 per user per month for teams. AppFlowy runs unlimited users on your server for free.
Repo โ https://t.co/3vgoPylfJGโฆ
7. Penpot
Open-source Figma. Figma charges $45 per editor per month. Penpot does the same job, self-hosted, free forever.
Repo โ https://t.co/3VHh56K32W
8. n8n
Open-source Zapier. Zapier Pro costs $600 a month for a real workflow. n8n self-hosted runs unlimited automations for $0.
Repo โ https://t.co/AewGOdwKgH
9. Cal .com
Open-source Calendly. Calendly Teams costs $16 per user per month. Cal. com is free for individuals and open source for teams.
Repo โ https://t.co/1sH826Rm7C
10. Bitwarden
Open-source 1Password. Password managers charge $8 per user. Bitwarden is unlimited, forever, free.
Repo โ https://t.co/nuRoZWtmTqโฆ
Here's the wildest part:
That's $50 billion in corporate revenue these repos are quietly destroying every single year.
None of these are illegal.
All of them should be.
Save this. Share it with the person in your life still paying for what's been free this whole time.
100% free. 100% open source.
GOOD STOCKS FROM EACH SECTOR FOR A DIVERSIFIED PORTFOLIO
Written by - @Mahmoudsardauna
1. Telecoms
- MTN, Airtel.
2. Oil & Gas (Energy)
- Seplat, Aradel, Oando Plc.
3. Banking
- JAIZBANK
4. Agriculture
- Okomu Oil, Presco.
5. Consumer Goods
- Unilever, Nestlรฉ, BUA Foods
6. Industrials
- Dangote & Bua Cements, Lafarge.
7. Pharmaceutical
- Fidson, May & Baker, Neimeth.
A diversified portfolio is a portfolio that contain stocks across sectors and industries...
This is not a Financial Advice.
A guy named nbatman on Reddit accidentally built the most useful website on the internet.
It's called FMHY (Free Media Heck Yeah).
This is the website Google delisted from search for DMCA violations, Reddit shadow-banned for promoting piracy, the Motion Picture Association flagged as a top piracy threat, and the RIAA pressured hosting providers to drop. It is still online. It is still updated every month.
Here's how it works.
FMHY is the index. The wiki itself hosts nothing. It just tells you where every free thing on the internet actually lives, organized into 14 categories with safety ratings on every single link.
โ Movies and shows in 4K from 50+ streaming sites
โ Music at Spotify and Apple Music quality
โ Adobe Creative Cloud, Microsoft Office, AutoCAD, JetBrains
โ Every paid course on every major learning platform
โ 100 million books and papers through Anna's Archive
โ Free alternatives to every paid AI tool
โ A SafeGuard browser extension that flags unsafe sites in real time
It started as a single Google Doc maintained by one Reddit moderator in 2018. Google killed it with a DMCA takedown in 2023.
The community rebuilt the wiki on its own domain, mirrored it to GitHub and IPFS, and now runs it across 12 backup domains simultaneously.
There is no company. No CEO. No central server. Six anonymous volunteers maintain the entire thing in their spare time. Donations through Ko-fi pay for the hosting. Nobody profits.
Hollywood can't shut this down. Spotify can't shut this down. Adobe can't shut this down.
The entire subscription economy is held together by you not knowing this wiki exists.
https://t.co/AAr2rLlqgy
Bro to bro, nobody taught us money, so here is the order from zero:
1. Know your risk first. If a 30% drop will make you panic sell, stick to safer options like money market funds and bonds. If you can stomach the swings, you can add stocks later.
2. Build an emergency fund. 3 to 6 months of your expenses (High yield savings account like money market funds). This is what saves you when work scatters so you do not have to borrow or sell investments at a loss.
3. Park that emergency fund in a money market fund, not a savings account. @ZedcrestWealth , @CardinalStoneNG , @cowrywise and @MeristemNigeria pay around 17%+ yearly, your money is safe, and you can withdraw within 24 hours.
4. Pay yourself first. The moment alert lands, move a fixed cut into investments before rent, before anything else. Start with 10% and push to 20 to 30% over time. Automate it if you can.
5. Live below your means. Earning 800k and spending 800k is not wealth, it is survival in style. Cut what you will not remember next year.
6. Build multiple streams of income or learn a high demand skill. Tech, sales, copywriting, design, video editing, data. One salary in this economy is risky. Skills travel with you and can earn in dollars too.
7. Once your emergency fund is solid, start investing in stocks. If you are under 30 and can handle risk, look at growth stocks. If you want safer plays, stick to blue chips, Zenith, GTCO, MTN, Dangote Cement and BUA Foods on the NGX, Apple and Microsoft on the US side. @ZedcrestWealth , @investbamboo and @CardinalStoneNG make it easy.
8. Add dollar exposure. The naira keeps bleeding, so hold assets outside it. @Risevest and @investbamboo give you access to the S&P 500 and other USD assets. Even small monthly buys add up.
9. Diversify properly. Treasury bills, Vault savings and FGN savings bonds through apps like @Afrinvest , @mycashierlife and @getladda , eurobonds via @cowrywise when you can access them, real estate via @Risevest when your capital is ready. No single event should be able to wipe you out.
10.Avoid stupid debt. Owambe loans, gadget loans and lifestyle loans set you back years. Only borrow for something that pays you back.
Wealth is boring and slow, but it works. Move with a plan, not vibes.
I went deeper into all of this in my book if anyone wants the full breakdown: [
https://t.co/3PaTnYbJAb
]
Some people collect heartbreak every month.
Investors?
We collect dividends ๐ญ
March โ SEPLAT, TRANSPOWER
April โ UCAP, LAFARGE, NGX
May โ BUACEMENT, NAHCO
June โ DANGCEMENT
July โ Airtel, Sterling
August โ UNILEVER
September โ CUTIX, BUA Foods
October โ Zenith
November โ ARADEL, PRESCO, OKOMU, MTNN
Nigeria is hardโฆ
but imagine getting paid dividends while arguing about fuel prices.
@Prince_dc21_ I wonder when Nigerians go get sence, even police will secretly tell you we prefer to come pick a gone body because they are also tired, but they will still follow orders from above. Why they don't want state police