Debola

I speak fluent sarcasm.

[Edwin Onyebolise @Edwyeen]

Amongst other lies the MSM have peddled, the most annoying is "Cristiano Ronaldo is not humble" narrative.

They successfully created a false image that attracts unwarranted hatred.

• He never spat at an opponent.

• He never called an opponent "the son of a whore".

• He never belittled his coach by going against team instructions.

• He never threatened his coach to drop another player for his preferred position.

His only crime was saying what most super successful athletes have said, "I am the greatest."

That statement has never caused harm, incited violence, or caused world hunger.

The single-digit brain cells fans running with this narrative are not the problem, but those you think are knowledgeable.

Finally, at 41, Ronaldo remains Portugal's best goal scorer. Every argument against him starting fall in the category of stupid or retarded—zero logical explanations so far.

[Cristiano Ronaldo @Cristiano]

CHAMPIONS!!!!! 🏆 🟡🔵

[Debola @Sheyi_Debola]

@Edwyeen Edwin had me going back to search for the origin of this tweets, followed up until the very last post. You too sabi sha

[Mudi @MudiTheInvestor]

Instead of following hype when picking stocks, focus on the fundamentals.

But most importantly, ask yourself: “What competitive advantage does this company have over others?”

Take NGX Group as an example.

What advantages does NGX Group have?

First, they have no direct like-for-like competitor on the stock market.
They earn fees from virtually every transaction on the exchange, and these fees are collected immediately, not buy now, pay later.

They also own a significant stake in CSCS, another business that generates instant transaction-based revenue.

In addition, NGX Group earns income from:
•Initial listing fees
•Annual listing fees from all listed companies
•Market-related service fees

Now compare other sectors insurance, industrial goods, banking, construction, and conglomerates, to see which companies in those sectors have competitive advantage over their peers.

[ProfitableMan @ProfitableMan1]

THE STOCK EXCHANGE IS DOING WHAT MANY LISTED COMPANIES ON IT CANNOT... MAKING SERIOUS MONEY.

NGX Group, the company that owns the Nigerian Stock Exchange, just dropped its 2025 results. And it is a completely different story from what we have been seeing.

Let us break it down for beginners. Thread below.

[The Nigerian Investor Podcast @TNIPodcaster]

ROE, ROA ROIC Explained for beginner investors.

[Mr. Possible @Mrpossidez]

Fair, but with people and especially relationships there’s no real equivalent of “knowing the plane will crash”. If a plane is going to crash, the data will be a FACT. With relationships, the “data” is noisy because humans are noisy.

People will change today, relapse tomorrow, be open now, conceal later, surprise themselves, get therapy, get religion, get money, lose money, mature late, resent you for hoping, resent you for leaving. All very messy.

To make it worse, the person you are evaluating is not stable, in part because YOU are changing too. Your needs, your patience, your self respect, your fear of loneliness, your tolerance for chaos, your desire for family are interpretive and probabilistic. So the system you’re trying to model is moving while you model it.

What we call discernment is mostly retrospective sense-making. The outcome happens, then we go back and select the earlier signals that support the outcome, and we say “I always knew.” If the person ends up broke, you remember every moment that hinted at their irresponsibility. If they end up flourishing, you remember your own impatience as the error. Your memory is constantly editing the evidence.

[𝘼 𝙄 𝙈. 👨🏽‍🚀 @AimThaMachine_]

As a Man or Woman, Instead of listening to Paul Eneche on this topic, it is better to listen to Ibukun Awosika.

After listening to both of them, pick the one that best suits your marriage. Amen.

[Michael Foster @thisisfoster]

Let’s Talk About Sex

This is written for newly married Christians, mostly in their twenties and thirties. Virgins and non-virgins. Couples coming in with all kinds of backgrounds. Some of this will hit close to home. Some of it won’t. That’s fine.

I’m not trying to lay down a sexual constitution or issue bedroom edicts. This is Scripture-shaped counsel formed by years of sitting across tables and couches from real couples before and after the wedding. Listening to what actually goes wrong. Paying attention to what actually helps. This is what I’ve seen bear good fruit. Take it for what it’s worth.

The first thing to get straight is mindset.

Your honeymoon night is not the Sex Super Bowl. It’s training camp. Day one. Two people starting to learn how to love one specific person well.

One of the fastest ways to make sex heavier than it needs to be is assuming you’re supposed to be good at it right away. You aren’t. You don’t know each other yet. Not really. You don’t know rhythms. You don’t know insecurities. You don’t know what relaxes your spouse or what shuts them down. You don’t yet know what actually brings pleasure. That kind of knowledge only comes with time and attention.

Think of the honeymoon, the first year, even the first few years, as exploration. Getting used to each other’s bodies. Getting used to being seen. Learning how to talk. Learning how to listen. Learning how to give. Learning how to receive.

For most couples, the best sex of their marriage comes much later than they expect, assuming they keep working at knowing each other. Early on, people often don’t even realize how unskilled they are. It feels good. Only later do you look back and see how much you’ve learned, how much more attentive and capable you’ve become.

So lower the pressure. Don’t turn it into a performance. You’re building something. And if you build it patiently, this part of your marriage becomes a deep source of pleasure and refreshment, not just for a season, but for decades.

Early on, that means prioritizing simple, honest communication.

“I like this.”
“I don’t like that.”
“That felt good.”
“That didn’t.”
“Can we try this?”
“Can we stop that?”

You don’t need a sex manual. There is no Christian Kama Sutra. In the privacy of marriage, you are free to learn each other. To experiment. To discover what actually fits the two of you.

You’ll try things you were sure would be sexy that turn out awkward or funny. Sometimes you’ll laugh. Sometimes something will work for one of you and not the other. That’s normal. That back-and-forth is part of the process.

Over time, you find what you both enjoy most. Those things become the core of your sexual relationship. The normal rhythms. With room, now and then, for something different or special.

This isn’t a script you follow. It’s a life you build.

In a very real sense, the two of you are an adventure. One that slowly teaches you how to become a good lover to this one specific person.

One day, you really will be an expert in your spouse. But that doesn’t happen on the honeymoon. It’s built through years of attention, trial and error, patience, and trust.

So don’t rush it. Enjoy becoming good at loving each other.

Keep Reading:

https://t.co/rw3bia800j

[Crazy Codes🚀👨‍💻 @richsongocrazy]

The video:

[Debola @Sheyi_Debola]

@Edwyeen Pogba!

[Debola @Sheyi_Debola]

@Edwyeen Spot on.

It's time people dead the narrative that hardwork and Discipline got him where he is... cuz by the time he retires lasan! ...lol

[Debola @Sheyi_Debola]

@Edwyeen @ManUtd Just another version of Anthony on the ball

[Stephen @ScFidelis]

Let me say this again about illiquid stocks.

When you buy them:

1️⃣ You’re holding an asset with theoretical market value.

2️⃣ You have no guarantee of finding a buyer when you need to sell.

3️⃣ You're holding a stock with a weak form of market efficiency.

Liquidity matters. Always.

[Toby @TomolaGroup]

You can actually view your CSCS details directly from your Bamboo app.
Here’s how 👇

On Bamboo:
1. Open your Bamboo app
2. Tap the Profile icon (the one with your name)
3. Scroll down and select Account Details
4. Scroll further to the Account IDs section
5. There you’ll find your CSCS No (NGX) and CHN (NGX)

These are your unique investor identifiers that show your stocks are properly registered under your name.

If you want to double-check, you can also visit https://t.co/Lmspy5PjlG to see your holdings directly on the CSCS platform.

You’ll need your CHN number from Bamboo to sign up or log in.

It’s always smart to check once in a while, just to be sure everything is properly recorded and active.

[Sir J (J9) @SirJarus]

Short answer

For those I have observed and seen, they work more on their earning power. Their earning increases progressively. And they deploy their income wisely.

Long answer

If we define rich by asset of over N750m naira, here are some tips from those that I see get to that level from 9-5:

1. Type of jobs

The jobs they get are top jobs (top oil companies, top departments in top banks or some specialized subsidiaries, tech, international organizations etc) with good salaries, bonuses and other perks.

It may be tough to move beyond middle class in regular 9-5. You mentioned “rich”, so the type of job has to be the one at the top of chart

2. Personal development

They invest in themselves - write professional exams required by their profession, masters, become very good at their job/profession. They can easily move to better companies.

3. Career progress

Very good in their work, get regular promotion (= regular payrise), become important to their company.

Someone earning N2m today won’t continue to earn N2m forever. As they grow in career, their earning increases significantly

4. Expenses

They are very deliberate in planning their expenses. Some plan their foreign holidays to a time their company wants to send them abroad for official work. For example, the company wants to send them to the UK for a 5 day training. They plan their vacation in the UK to start immediately after the end of the 5th day. That means the return flight cost and hotel costs for 5 of the 12 days they spend in the UK are covered by their company

Company policies like health insurance (HMO) also save them a lot of expenses. Imagine all their childbirths, family hospital bills on their employer.

Many maintain small families too.

4. Loans

They explore personal loan opportunities available to their type of job. In some jobs, banks chase you with loans. They pay back over 4-5 years from their salaries. As one finishes, they move to another.

They explore cooperative societies and other group financing opportunities.

5. Investment

Many invest in properties (lands, houses) using these bank and cooperative finances. Some lands bought for N20m in 2015 are now worth N200m. I know someone that worked in one of these companies that finished a house worth N60m in 2015. That house is worth minimum of N350m today.

Some invest in other things. I know some that opened supermarkets as side hustle.

Group finance leveraging their company’s cooperative also helps. Cooperative negotiates and buys land in bulk and resell to members, while they pay over time.

By their 15th year of working, some can boast of net assets worth at least N750 million

- 2 plots of lands bought at N20m each in 2015 are worth N150m each by 2025 = N300m

- 2 houses (N40m) financed through cooperative, bank loans, savings etc are now worth N200m = N400m

- a supermarket started with N30m now worth N150m

- cash in balance of about N50m

The above totals N900m million.

- if they still have a loan balance of N100m with cooperatives and banks, that’s N800m net assets.

If you then ask, but I said 9-5, why all of these?

1. 9-5 is still the seed of all of these
2. 9-5 does not mean you should not invest
3. Banks give them loan because of the security of their 9-5 job
4. They have access to group financing because of 9-5
5. 9-5 does not mean you should keep money lying idle in bank and not use it to multiply (people make this mistake when talking down 9-5)
6. You are exposed to these opportunities because of a good 9-5 job

What they use their salaries for
- save a part with bank, cooperative etc
- use a part to pay back loans
- use a part to cover personal expenses

Other sources of income that augment their salaries
- rental income from a house built or bought with 9-5 pay
- dividends (cooperative, some invest in shares)
- side hustle income (supermarket in this case).

And this is a conservative estimate still. Some top guys are legit naira billionaires from these things

[Debola @Sheyi_Debola]

@TomolaGroup You tweet a lot, but guess what !..Every of your tweet is laced with valuable lessons and knowledgeable nuggets to learn from...

Your work In this space is appreciated 🙏

[Debola @Sheyi_Debola]

@assessworth @abalu_uthman Why isn't there an app @assessworth or where I can I get the app

Would have loved that option