Tshepo Oyebanji

#Design

[Tshepo Oyebanji @YBaq]

Stunning Trucker Hats Available!
Price: From #6,500.

Customization also available on demand 😊✌🏿.

[Pratham @CapitalLens_]

I met a friend who works in the US.

He told me about a café he visits almost every morning in the US.

The reason?

A huge poster outside says:

"FREE Coffee for 1 Year."

The first time he saw it, he walked in immediately.

The offer:
• Pay a $5 membership
• Get free coffee every day (7–10 AM)
• Drink for a year and receive a $300 Amazon voucher.

Three months later, out of curiosity, he asked the owner:

"How are you making money?"

The owner said: ↓↓↓

[Justin Banks @RealJGBanks]

THIS SIMPLE STRATEGY WILL MAKE YOU YOUR FIRST $100K

1. Mark the previous day’s High and Low.

2. Wait for a 1-hour candle to break above the High or below the Low.

3. Wait for the retest of that level and enter in the direction of the break.

Read this Before you trade next.

[Enigma @0xAdesola]

I will put you on if you are ready to use your brain and work

TestIO works in Nigeria without VPN
Pays into your local bank in NGN

You can make 5-7 figures in NGN monthly

[Tshepo Oyebanji @YBaq]

@UnkleAyo France:4
Senegal:0

[Toby @TomolaGroup]

If I had ₦1,000,000 for the Nigerian stock market today, here’s how I’d think about spreading it.

1. Dividend stocks (40%) = ₦400,000
The steady payers. Think GTCO, Presco, Zenith, MTN. They pay you while you hold.

2. Growth stocks (25%) = ₦250,000
Room to expand. Names like TIP, Transcorp and Aradel sit here.

3. Defensive stocks (20%) = ₦200,000
Food and staples people buy no matter what. BUA Foods, Dangote Sugar, Nascon, Unilever.

4. Value stocks (10%) = ₦100,000
Solid but underpriced. UACN, Fidelity Bank, FCMB, UBA.

5. Cash buffer (5%) = ₦50,000
Dry powder, so you can buy the dips instead of just watching.

This is a way of thinking, not a tip. Your age, goals and risk appetite change everything. Do your own research, and never let one stock decide your whole outcome.

[EnjoymentMinister @EnjoymentMamaa]

If this fills, I'll be half way on my road to 1000 shares of $ONDS at a sub $10 average.

$9.20 as the limit is pushing it... but🤞🏾

[Daddy Lewa @TheHN1C]

5 eggs = 30g protein.
1 hake fish = 35g protein.

That’s 65g of protein in one meal.

After eating, your stomach isn’t sticking out like a pregnant woman. That’s how you build muscle and still keep a flat stomach.

[Seye Ogun @oluwadamisi]

I just watched a video on IG by Yinka Obebe that introduced a fascinating way to think about spending:

The Affordability Ratio.

The example used was a billionaire worth $39 billion buying a $75 million private jet.
At first glance, $75 million sounds outrageous. But when you do the math, the jet represents just 0.19% of his net worth.

The formula is simple:
Net Worth = What You Own − What You Owe
Affordability Ratio = (Cost of Item ÷ Net Worth) × 100
Now let's bring it home.

If an iPhone costs ₦1.5 million and you want to buy it at the same affordability level as that billionaire bought his jet, your net worth would need to be approximately ₦790 million.

So if your net worth was, say 5m, and you got a phone worth 1.5m, you technically spent 30% of your net worth 🤣🤣🤣🤣.

That's because ₦1.5 million would also represent just 0.19% of your net worth.

This got me thinking...
Maybe the question isn't:
"Can I afford it?"

But rather:
"What percentage of my net worth does it consume?"

Wealthy people often think using the ratio, while the rest of us tend to think in prices.
Same purchase. Different mindset.

Just because you have the cash doesn't necessarily mean you can afford it if you go by that metric.

What's your take on this concept regarding affordability? 🤔💭

[Kiemute @FreshDeltaBwoy]

For those who don't know the penalty when you break any of the FRSC law.

https://t.co/3d4zDYzShA

[-valar morghulis- @eldivine]

You want to forget the headline N100,000,000 number and focus on living with the N20,000,000 interest it generates annually. This saves you from lifestyle inflation, black tax, and any hits to your income.

Secondly, until you are generating at least 3x your monthly expense from your investments, don’t try to set up an operational business, or some other side hustle.

Double down on your core thing that gave you money and any side business should be attached to it, like brand deals (ask for equity), partnerships, merchandizing etc things that will scale your earnings without scaling your efforts.

Only after you’ve done these two and maxed out your earnings power do you start to buy personal luxuries.

In the mean time, I understand you need the car and house for your craft. Consider renting.

You’re not always going to be at peak earnings. You need to make the most of the income you’re getting when you’re hot so that it will sustain you in the periods when you’re not.

I wish everyone the best.

Don’t forget to use @Risevest (for wealth management) and @HisaApp (for stock trading).

You’re welcome.

[Mike Bales 🫡🇺🇸 @MikeBales]

My grandfather said he’d never move into a retirement home.
He said, “Too expensive… and the food tastes like someone boiled sadness.”

Instead, he checked into a beachfront hotel.
We asked, “Grandpa, isn’t that even more expensive?”

He smiled and said, “Not really.
At the retirement home, I’d pay $200 a day for cold meatloaf and no visitors.
But here? For $150 a day, I get ocean views, room service, fresh towels, a pool…
…and suddenly all my grandkids remember I exist every weekend.”

Then he leaned back in his chair and delivered the final line like a mob boss:
“And if I die in the hotel lobby, the manager will actually look disappointed.
But at the nursing home? They just call it Tuesday.”

[Osaretin Victor Asemota @asemota]

The thing most people will never tell you about wealth is that most wealthy people hardly form attachments to most of their property. Everything is transient. It is that mindset that helps compounding.

A car is meant to be used and sold or kept for sale in the future if it is a supercar that appreciates. Houses are meant to be bought and sold or used as collateral for more leverage. Every asset serves a purpose and if they are not appreciating, they are disposed of.

After I sold a car last year, I noted how much it was in dollars and looked at how much it could have appreciated if I put that money in the US stock market, and I now want to sell every car or every asset that I am not utilizing fully.

An apartment I was offered for £85k in 2007 is now £450 today in Salford. It was a rent-to-buy deal but the problem I had then was moving money across borders. So, I put the money back into the business and lost everything. Rich people don't get too attached to one business as well. It is why they invest and move assets around.

Wealth management is a game of information and access. Keeping liquidity is not because of flexing or enjoyment but for the purposes of multiplication. This is why I cringe when I hear that stupid Nigerian term “Money na Water.” It shows that some people are devoid of ideas.

“Money no be water, money na bullet.” Load your weapon and aim wisely.

[Geekay @gkbalogs]

The Nigerian retail space has a funny contradiction: lots of money goes into building polished websites and apps, but many customers just want to chat on WhatsApp. A big share of daily transactions happens on WhatsApp and inside Instagram DMs, not on e-commerce platforms. Nigerians just prefer human interaction and flexibility over rigid digital journeys.

My friend go and open that WhatsApp Business today! That’s where discovery, trust building, negotiation, and payment all happen in one flow.

[smv @slimvnsn]

My father's best friend was a man called Uncle Bayo who disappeared from our lives without explanation. I was 12 the last time I saw him. He came to our flat in Gbagada, argued with my father in the bedroom for an hour, and walked out without saying goodbye to me. My father never spoke his name again. Neither did my mother. Uncle Bayo became a silence with a shape.

Twenty-six years passed. I was in Philadelphia for a conference. A networking dinner at a hotel downtown. Across the room, a man about my father's age caught my eye and held it too long. He approached me during dessert and said my surname like it was a question he already knew the answer to.

We sat in the hotel lobby until 2am. He told me the story my father never did. They had started a construction company together in the early 90s. It had failed because of a contract dispute with a senator. The senator had paid only half the money and refused the rest. The debt had crushed them. Uncle Bayo had blamed my father for trusting the senator. My father had blamed Uncle Bayo for not reading the fine print. The friendship had shattered. Two men who had been closer than brothers had become strangers over something neither of them could control.

Uncle Bayo had moved to America after the falling out. He had built a new life, a new business, a small contracting firm in West Philly. He had married a Ghanaian woman and had two daughters. He had never returned to Nigeria. He had never called my father. He had assumed the silence was mutual.

I asked why he approached me now. He said he recognised my face because I looked like my father at 30. He said he had been waiting for decades to see that face again, to explain something that was never about betrayal. He said the argument had been about shame, not money. Both men had felt they failed each other. Neither had known how to say it.

I called my father from the hotel room. It was 3am in Lagos. He answered on the second ring, voice thick with sleep and alarm. I told him who I was sitting with. The line went quiet. Then my father did something I had never heard him do. He cried. Not softly. The kind of crying that comes from a place words cannot reach.

Uncle Bayo flew to Lagos 3 months later. They met at the same flat in Gbagada. They sat in the same living room where the argument had happened. They didn't re-litigate the past. They just sat together, two old men with white hair and matching hypertension medication, and let the silence heal.

My father died last year. Uncle Bayo spoke at the funeral. He said the greatest thief in life is not money or failure. It is the belief that there is always more time.

Call them. The debt is not theirs. It is yours.

[Sir Eazi @mreazi]

Thank You God For Keeping Things Running Smoothly

[Anish Moonka @anishmoonka]

Went down the rabbit hole on this. A Nobel Prize-winning immunologist noticed in 1907 that Bulgarian peasants were living past 100 at unusually high rates. His explanation: they ate yogurt every day. His name was Élie Metchnikoff, and he ran the Pasteur Institute in Paris.

His lecture made front-page news. Parisians lined up to buy Bulgarian curdled milk. Drugstores across Europe and the US started selling Lactobacilline tablets, basically the world’s first probiotics. But his original theory was partially wrong. The specific bacteria in yogurt (Lactobacillus bulgaricus) don’t actually survive in the human gut. A Yale researcher proved that in 1921.

Should’ve been case closed. It wasn’t.

In 2021, Stanford ran a clinical trial published in Cell with 36 healthy adults over 10 weeks. One group ate about 6 daily servings of fermented foods (yogurt, kefir, kimchi, kombucha). The other ate high-fiber foods. The fermented food group saw their gut bacterial diversity increase, which is one of the strongest predictors of overall health, and 19 inflammatory proteins in their blood dropped. Including interleukin-6, a protein tied to Type 2 diabetes, rheumatoid arthritis, and chronic stress. The high-fiber group? Zero of those 19 proteins decreased.

That same year, a Keio University and Broad Institute team studied 160 Japanese centenarians (average age: 107) and published in Nature. These centenarians had gut bacteria producing a bile acid called isoallolithocholic acid, basically a natural antibiotic so new to science it had never been described. It kills drug-resistant bacteria, including C. difficile, a gut infection that hits roughly 500,000 Americans a year.

A 2023 Nature Aging study of 1,575 people in China, 297 of them centenarians, found the oldest participants had gut microbiomes that looked younger than people decades below them. More bacterial diversity, more beneficial species, fewer harmful ones.

The yogurt meta-analysis data across 12 cohort studies: each additional daily serving is linked to 7% lower all-cause mortality and 14% lower risk of dying from heart disease.

Metchnikoff called it 119 years ago. Fermented foods reshape your entire gut ecosystem, increasing the diversity of bacteria living in your intestines, lowering chronic inflammation, and building a biochemical environment where your body fights off disease on its own.

[Compounding Naira @compoundinnaira]

@BigLily_C @BonkoINC You can migrate to Portugal on D7 retirement visa as long as you can show a steady income of $800/month.

Visa comes with no limitation.

[Tshepo Oyebanji @YBaq]

@bitfunded Oh

[Toby @TomolaGroup]

If you’re seeing this tweet and you don’t know how to prepare for the Dangote Refinery IPO, bookmark this right now.

STEP 1 — Get a traditional stockbroker

This is where most people will get it wrong. When this IPO drops you need a registered dealing member of the NGX not Bamboo, not Trove, not Chaka. Those apps are for buying stocks already trading on the market. An IPO is a primary market offering. Your application goes through a traditional broker directly.

Here are the top brokers on the NGX right now ranked by actual trade value in 2025. Pick one.

CardinalStone Securities — No. 1 broker on the NGX three years straight. First broker to cross ₦2 trillion in trades. They have an app too.

Stanbic IBTC Stockbrokers — Backed by a major bank. Strong app. Instant settlement if you bank with Stanbic.

Meristem Stockbrokers — Best for beginners. Webinars. Education. Customer support that actually answers.

Cordros Securities — Solid institutional broker with retail access.

Chapel Hill Denham — Strong research. Fully equipped for equities and IPOs.

Afrinvest Securities — Around since 1995. Wealth management and IPO access.

STEP 2 — Open a CSCS account

Your broker will do this for you. CSCS is your identity in the Nigerian stock market. No CSCS number no shares. You need your BVN, a valid ID, passport photo and a bank account. Most brokers set you up within a week. Some do it online in 24 hours.

STEP 3 — Start saving now

Don’t wait for the prospectus before you start putting money aside. Open a money market fund or high yield savings account and park money there every week. When the IPO window opens it won’t stay open long. The people who had cash ready will get in. Everybody else will get a sorry email.

STEP 4 — Wait for the prospectus

This is the official document that tells you everything. Share price. Minimum subscription. How to apply. Timeline. When it drops read it yourself. Don’t depend on Twitter summaries. Read the actual document.

STEP 5 — Apply early

IPOs get oversubscribed. First movers get allocated. Latecomers get refunds and regret. When the window opens move immediately. Not tomorrow. Not this weekend. Immediately.

STEP 6 — Don’t panic if you don’t get full allocation

This is normal. If the IPO is oversubscribed you might not get every share you applied for. The money for unallocated shares gets refunded to your account. Standard process. But if you never applied nothing comes back because nothing went out.

The window hasn’t opened yet. But by the time it does only two types of people will exist. Those who prepared and those who watched.

Don’t watch.