Chulo!!

Live, love, learn.

[Chulo!! @Pro_Veck]

Your analysis is flawed because it assumes a direct relationship between. loan book size to the real sector and GDP. GDP measures total output and growth can be supported by lag effects and growth in other GDP components, e.g government spending.

[Chulo!! @Pro_Veck]

This is spot on. I remember this being a full blown discussion at some point during my time at Agusto.

Women typically don’t exhibit the behavioral biases that men do when they invest, especially, illusion of control and self attribution biases.

[Olúwatósìn Olaseinde @tosinolaseinde]

This is why women are better investors when they start investing. They have the fundamental of a good investor wired.

[Chulo!! @Pro_Veck]

Pathetic jokes!

[Basket Mouth @basket_mouth]

Metamorphosis.

[Chulo!! @Pro_Veck]

I don’t know where the hate for this guy is coming from. Remarkable job imo.

[Tunde Onakoya @Tunde_OD]

Those are some of the boys from Oshodi underbridge by the way😊

Forming fine boy now

[Chulo!! @Pro_Veck]

I’ll leave the room with a loud hiss.

[Hansel Praise @hannytalker]

Hear this

During a job interview, if they ask: “If you were a biscuit, which biscuit would you be?”

They’re not testing your snack preferences. 🍪😆😆😆

[Ayia Diayi @Ayiadiayi]

Demoting friends back to acquaintances will free you! Treat people how they show up!

[Joe Kent @joekent16jan19]

After much reflection, I have decided to resign from my position as Director of the National Counterterrorism Center, effective today.

I cannot in good conscience support the ongoing war in Iran. Iran posed no imminent threat to our nation, and it is clear that we started this war due to pressure from Israel and its powerful American lobby.

It has been an honor serving under @POTUS and @DNIGabbard and leading the professionals at NCTC.

May God bless America.

[Deedee💖💖 @__adeola__]

Whatttttttt!!!! Latest Canada RN!!!!!💃💃💃💃💃
I jusssstttttt passsseeeeedddddd my NCLEX at 85Q!!!!!!!!! On my first attempt!!!!!
I’m screaminggggggggg💃💃💃💃🤭🤭🤭🤭

[Chulo!! @Pro_Veck]

The argument about real estate or equities/debt investment appears on my TL every quarter. It’s a futile conversation!

Your preference for either would always be dependent on risk appetite, investment horizon and diversification needs. There’s no right or wrong answer!

[Chulo!! @Pro_Veck]

Is this rage bait? Just stick to posting your AI doomsday scenarios and leave fields you do not understand alone!

[Mark Gadala-Maria @markgadala]

A Bloomberg Terminal costs $24,000 a year. Someone just recreated one using Perplexity Computer for $200 a month.

Bloomberg's moat was never the data, that's increasingly commoditized. It was the interface: thousands of keyboard shortcuts, proprietary screens, and muscle memory that finance professionals spent years learning. The switching cost wasn't price, it was retraining.

AI agents collapse that moat. If Computer can replicate the interface and pull equivalent data from public sources, the only remaining lock-in is the chat network and real-time feeds. One is a social product. The other is a licensing negotiation.

Bloomberg did $12.6 billion in revenue last year selling terminals. The first credible open-source alternative just got built in an afternoon.

[Chulo!! @Pro_Veck]

We’ve all seen this “hot money” movie before, and we know how it ends.

[Olúwatósìn Olaseinde @tosinolaseinde]

According to FMDQ data, Nigeria’s foreign exchange (FX) market received a massive liquidity boost in January 2026, with total FX inflows rising by 7% month-on-month to $3 billion. 

The growth in FX inflows was mainly driven by Foreign Portfolio Investors (FPIs), whose investments rose by 151% to reach $1.6 billion. These offshore investors channelled 98% of their capital ($1.5 billion) into fixed-income securities like Treasury Bills, while equities attracted a modest $38.7 million. 

Like other emerging markets, the Nigeria fixed income market is currently very attractive due to a weaker dollar, lower interest rates by global central banks, and a high interest rate differential. Foreign investors earn 20%+ on money market investments in Nigeria, which is higher than the inflation rate of 15.2%, and provides them with a real return of 4.2%. The real return in the US is much lower at 1.1%. 

This influx of "hot money" has been the primary architect of the naira’s recent stability and the rapid build-up of external reserves to $49 billion. However, FX from domestic sources—such as export proceeds—dipped by 15%.

[Luis @MrGentleman93]

@Cobratate Give me 1 million then I would appreciate it

[Chulo!! @Pro_Veck]

Brilliant article.

[K.O.O @Dominus_Kelvin]

https://t.co/tP0dviA9jM

[Chulo!! @Pro_Veck]

Accurate! The only caveat is that you can do all the right things, and still fail this exam. The minimum pass score is scaled and dependent on how well other candidates perform.

If you ever sit for the CFA exams and you do not pass on your first attempt, it’s fine. Try again!

[Teacher Cee @Sinteeaah]

CFA Exams Practical Tips

Some people have asked me for tips on passing the CFA exams. And since I’m Teacher Cee, I figured I’d share some practical advice from my own little journey, including all the mistakes.

One thing writing the CFA exam has taught me is discipline. It is not about being the smartest in the room. It is more about sheer tenacity, endurance and discipline. The CFA exams will test your knowledge, yes, but they will also test your willpower, your habits and your ability to survive sleepless nights.

There were nights I studied until my brain felt fried, only to wake up a few hours later to continue. Some days, I couldn’t study at all due to other demands but the trick is consistency over time. Whenever I missed a day, I made sure to catch up the next day or over the weekend

My weekends were non negotiable, especially as the exam got closer. It was the only time I could study for long, focused hours.

What really mattered was discipline and accepting that people learn differently. We read at different speeds. We understand things differently. That is why you will not catch me attending lectures. It is simply not my style of learning. And that does not mean I am smarter than those who do. It just means I found what works for me.

Do the same. Find what works for you and stick with it

For me, that meant always carrying my formula book. I had written down all my formulas in a very small notepad. On days I commuted to the office, I used that time to memorise them. Every spare minute counted.

Very important tip. Do not joke with practice questions and mock exams, especially the extra mocks you have to pay for. If you cannot afford them, ask around. The materials are always out there. Try to attempt mock exams at least three to four times before the exam.

And one thing about CFA exams, the options are never random. You can solve complete nonsense and the answer will still be there, staring at you confidently, making you feel like you are correct 😂. It is almost like the examiners already know the exact mistake you are about to make

Finally, sleep. Please sleep the night before the exam. I almost learnt the hard way.

During my last exam, I had the craziest headache. I kept muttering, “God, abeg! Not after everything I’ve been through. Don’t let my enemies laugh at me. I can use Naira 2 million to buy land oo! God abeg, I don’t want to go through this mental torture again!” 😂

I was literally picking wrong answers to questions I knew. When I went back to review my answers, which I always do, I just started spotting the wrong answers I picked. I think God just wanted to pity me and that action saved me.

So if you’re prepping for the CFA, don’t stress about copying someone else’s style. Find your rhythm, stick to it, do your mocks, and sleep the night before the exam

And if, during the exam, you find yourself muttering, “God, abeg!” just know, you’re not alone😂. Somehow, it all works out in the end.

[Teacher Cee @Sinteeaah]

CFA Exams Practical Tips

Some people have asked me for tips on passing the CFA exams. And since I’m Teacher Cee, I figured I’d share some practical advice from my own little journey, including all the mistakes.

One thing writing the CFA exam has taught me is discipline. It is not about being the smartest in the room. It is more about sheer tenacity, endurance and discipline. The CFA exams will test your knowledge, yes, but they will also test your willpower, your habits and your ability to survive sleepless nights.

There were nights I studied until my brain felt fried, only to wake up a few hours later to continue. Some days, I couldn’t study at all due to other demands but the trick is consistency over time. Whenever I missed a day, I made sure to catch up the next day or over the weekend

My weekends were non negotiable, especially as the exam got closer. It was the only time I could study for long, focused hours.

What really mattered was discipline and accepting that people learn differently. We read at different speeds. We understand things differently. That is why you will not catch me attending lectures. It is simply not my style of learning. And that does not mean I am smarter than those who do. It just means I found what works for me.

Do the same. Find what works for you and stick with it

For me, that meant always carrying my formula book. I had written down all my formulas in a very small notepad. On days I commuted to the office, I used that time to memorise them. Every spare minute counted.

Very important tip. Do not joke with practice questions and mock exams, especially the extra mocks you have to pay for. If you cannot afford them, ask around. The materials are always out there. Try to attempt mock exams at least three to four times before the exam.

And one thing about CFA exams, the options are never random. You can solve complete nonsense and the answer will still be there, staring at you confidently, making you feel like you are correct 😂. It is almost like the examiners already know the exact mistake you are about to make

Finally, sleep. Please sleep the night before the exam. I almost learnt the hard way.

During my last exam, I had the craziest headache. I kept muttering, “God, abeg! Not after everything I’ve been through. Don’t let my enemies laugh at me. I can use Naira 2 million to buy land oo! God abeg, I don’t want to go through this mental torture again!” 😂

I was literally picking wrong answers to questions I knew. When I went back to review my answers, which I always do, I just started spotting the wrong answers I picked. I think God just wanted to pity me and that action saved me.

So if you’re prepping for the CFA, don’t stress about copying someone else’s style. Find your rhythm, stick to it, do your mocks, and sleep the night before the exam

And if, during the exam, you find yourself muttering, “God, abeg!” just know, you’re not alone😂. Somehow, it all works out in the end.

[victor olamide 🇳🇬🇬🇧 @Victorolamide13]

I know what my wife earns and she knows mine.

She has 100 percent access to my phone and I do hers.

I sabi her atm pin, Bank app passwords, she knows mine too and can transfer money anytime, the money is our money sef, both money we make.

We are each other nok.

Our properties/belongings are in both of our names.

We do housechores together, nothing like gender role, she wash plate, I do laundry..

I want every single man to know there are still good woman out there with family values, its your job to painstakingly search for one, and also to be a better man

[Deedee💖💖 @__adeola__]

Still my birthday 😊💃

[Deedee💖💖 @__adeola__]

A tini bit older 😊 🎂

[Taiwo Oyedele @taiwoyedele]

https://t.co/8upICKCcs5

Dear @DonAzag

I have previously acknowledged your efforts to educate the public on tax reform. However, some of your contents, including this video, contain technical inaccuracies misleading your audience.

This is precisely why we invited some content creators to a training session on the tax reforms to enhance their understanding for better context and informed public engagement. You declined the invitation and instead made spurious allegations about the intent of the initiative. For the record, no participant was paid or asked to promote the tax laws. Hundreds of creators attended, including many with larger followings.

Tax policy cannot be responsibly analysed through surface-level research or intuition. Unfortunately, your video reflects a mixup of key concepts, leading to incorrect conclusions. Below are some concepts used in your analysis where you need better understanding:

1. Household income and individual income are not the same. You referenced my comment on household income but went ahead to do your entire analysis based on individual income.

2. You assert that poverty must be determined based on the international poverty threshold of USD 3 per day and then you applied it incorrectly. First, the threshold was USD 2.15 per day until June 2025 same month the tax bills were signed into law. Second, you applied market exchange rate instead of purchasing power parity. If you wish to understand the Nigeria context, you may find the Nigeria Living Standards Survey by the NBS in collaboration with the World Bank useful.

3. Taxable income is not the same as gross income. Treating ₦800,000 taxable income as gross income is incorrect and materially alters your analysis.

4. The law expressly exempts the national minimum wage from personal income tax. Insisting that people who earn the national minimum wage will be taxed is incorrect.

Proper understanding is important for constructive public debate. If you're concerned about the tax burden on low-income earners and small businesses, it would be helpful if you also inform your followers the taxes these people currently pay and whether the new tax law is better or not. You may get the clicks and views by presenting incomplete or incorrect information fueling unnecessary discontent but ultimately you are harming the very audience you seek to inform.

Disagreement about public policy is healthy, but it must be grounded in knowledge, not sentiments. Present your opinion if you have a different perspective, rather than asserting that others are wrong or dishonest.

You can do well while also doing good.

Taiwo Oyedele

[Deedee💖💖 @__adeola__]

Finally woke up in Canada 🇨🇦 💃