Ero Senin

No one has monopoly of knowledge. -Uzo Nwachukwu

[Sir A_N💜 @nsemeke33]

There’s this church that gives 0% interest loans to its members as support.

They gave the man taking care of my farm 3M to pay back in 2 years.

The news went viral, and the church became full. People started abusing the entire initiative, and I just heard that the church has stopped it.

Attitudinal issues.

[Slim @onu_slim]

How to own a house in Nigeria between age 30-35

Owning a house in Nigeria before 35 is not fantasy. It is a math problem most people never actually sit down and solve. Let me lay out the exact path using the mortgage system that already exists, right now.

Step one, and this needs to start in your 20s. Register with the National Housing Fund through your employer or voluntarily if self-employed. NHF requires contributing 2.5% of your monthly basic salary, deducted automatically. This is not optional if you are serious about this timeline. It is the single cheapest mortgage access point in the entire Nigerian system, and almost nobody under 30 is registered.

Here is why NHF matters so much. It gives you access to mortgage loans at roughly 6% per annum. Compare that to commercial bank mortgages sitting between 20% and 28% right now. On a N30 million NHF loan over 20 years at 6%, your monthly payment is approximately N214,929, and your total repayment over the full tenure is roughly N51.5 million. Run that same 30 million through a commercial bank at 28% and you would be paying over N700,000 monthly. The NHF route is not a small advantage. It is the difference between a mortgage that fits your salary and one that destroys it.

Step two. While your NHF contributions build in the background, separately save your down payment. Most mortgage lenders require between 10% and 30% equity contribution upfront. On a N40 million property, that is N4 million at 10% or N12 million at 30%, depending on the lender and the scheme. If you save N200,000 monthly into a money market fund earning 18% per annum, you reach N4 million in approximately 18 months. Start this at 27 or 28, and your down payment is ready well before you hit 30.

Step three. Get your paperwork in order early, not when you are ready to apply. Two years of steady, documented income, whether salaried or business. A clean credit history from the Credit Bureau of Nigeria. A debt-to-income ratio that is not already strained by car loans or other obligations. Lenders scrutinise all three, and cleaning this up after you start house hunting is too late.
Step four. Apply through an accredited Primary Mortgage Bank, not a random commercial bank. Abbey Mortgage Bank, Infinity Trust Mortgage Bank, and similar PMBs work directly with FMBN on NHF-backed loans. They verify your information, issue a formal offer letter detailing your loan amount, interest rate, and repayment schedule, and your lawyer should review every line of it before you sign anything.

Step five. Know the rent-to-own alternative exists for lower-value properties. FMBN's non-interest rent-to-own scheme applies to properties up to N15 million, letting you pay in monthly, quarterly, or annual instalments over up to 30 years with zero interest attached. For a first property or a starter home, this route removes the interest rate conversation entirely.

Realistic timeline if you start at 25. Two to three years of consistent NHF contributions and separate down payment savings. Application and approval process taking three to six months once your equity and documentation are ready. Move-in achievable by 29 or 30, with the mortgage itself running well into your late 40s or early 50s at a payment your salary can actually absorb.

The people who own homes by 35 in Nigeria did not earn some extraordinary salary nobody else has access to. They registered for NHF five years before their peers did, saved a fixed amount monthly without touching it, and treated the paperwork as seriously as the money.

The system already exists. Almost nobody uses it early enough to benefit from the timeline.

[The Spearhead @Spearhead_Af]

Meet A Nigerian School Teaching Children Loyalty To The United States

The school you just watched teaching Nigerian children to pledge allegiance to the United States is in Owerri, southeastern Nigeria.

Pearlville School claims to promote critical thinking, but this is the exact opposite. Teaching children to recite the US national anthem and pledge loyalty to a foreign country is not education. It is ideological conditioning at the most impressionable stage of their lives.

In what world should allegiance to the United States have any place in the curriculum of a school on African soil?

What exactly are these children being taught about their own country, history, identity and responsibility as Nigerians?

This ridiculousness exposes how deeply African identity has been pushed to the margins of our education systems, while foreign cultures are treated as superior and worthy of loyalty.

It also raises serious questions about the government and education authorities that approved, ignored, or failed to stop this. A country that does not take its children's education and identity seriously cannot pretend to be serious about sovereignty.

[National Orientation Agency, Nigeria @NOA_Nigeria]

Getting a birth or death certificate in Nigeria just got easier!

Click https://t.co/2G2jAtarIJ to read more

Access the platform at: https://t.co/BSiSIMqXgL

You can also visit any NPC registration centre nationwide for assistance.

#VitalReg #DigitalNigeria #NPC

[Prestina Ochonogor @BigPRESTINA]

Pls tell me is it possible to have six bibs numbers in one competition and still you can’t compete or is it possible to get a bib number without registration
My heart is broken and bleeding 💔💔💔💔💔

So much sacrifices yet being treated like nothing

[Somto Okonkwo @General_Somto]

Lagos State: Moment a Th!ef, Who Was Cornered After He Was Caught Stealing, Stood His Ground With a Kn!fe While Being Surrounded By Those Chasing Him: 😳🙆🏾‍♂️

[CHUKS 🍥 @ChuksEricE]

Drama as another suspected th!ef stood his ground with a kn!fe while being surrounded by those chasing him🤯🙆

[Making of Champions @MakingOfChamps]

🌍 WORLD RECORD!!!!!!! 🤯🇳🇬

Goodness Nwachukwu 🇳🇬 produced the performance of a lifetime to win GOLD in the women's F42-44/F61-64 discus throw at the Commonwealth Games in Glasgow!

The Nigerian saved her best for last, launching the Discus out to 39.66m to smash her own F42 World Record by more than 3 metres and secure the Commonwealth title.

🥇 🇳🇬 Goodness Nwachukwu – 39.66m (WR)
🥈 🏴󠁧󠁢󠁷󠁬󠁳󠁿 Funmi Oduwaiye – 38.52m
🥉 🏴󠁧󠁢󠁷󠁬󠁳󠁿 Bree Cronin – 36.00m

[Great House @xspotsdamark]

Only for her dad to end up getting shot & killed by her mom. I guess the violence was already inside the house

[Making of Champions @MakingOfChamps]

FIRST NIGERIAN MALE SPRINTER TO WIN A 100M COMMONWEALTH GAMES MEDAL IN 20YRS!

Kayinsola Ajayi became the first male Nigerian sprinter to win a 100m medal at the Commonwealth Games, since Olusoji Fasuba won Silver at 2006 Melbourne Games.

Chin up Ajayi, Naija🇳🇬 is proud of you.

[Hedgie @HedgieMarkets]

🦔AI companies are bulk-buying rare books, scanning them through high-speed machines that cut the spines off, and shredding the originals. A service called ISBNdb facilitates orders of up to a million books and keeps buyers anonymous. Pre-2022 books are premium because they're free of AI-generated text. A federal judge ruled the practice is fair use because eliminating the original means only one copy exists at a time. Anthropic hired the former head of Google Books partnerships to obtain "all the books in the world."

My Take
This got to me. A bookseller told 404 Media that rare books with almost no surviving copies are being fed into this pipeline. Books that survived wars, fires, and centuries of handling are being shredded so an AI can learn to write a better marketing email.
ISBNdb's website literally says "'AI company destroys two million books' is not a headline that generates sympathy," and they still built an entire business around making it happen quietly. They offer NDAs as a feature. They coach clients to call it "digital preservation."

I've covered AI companies scraping the internet, torrenting libraries, and stealing music. This is worse because it's irreversible. You can re-upload a website. You can reprint a bestseller. You can't replace the last three copies of an 18th-century botanical text once someone shreds them for training data. And the judge said it's legal. So it's going to accelerate.
"We shred rare books and offer NDAs so nobody finds out" is a legitimate business model in 2026. What a timeline.

Hedgie🤗

[Babájídé @Babajiide]

https://t.co/wyQhYckryX

[misato. @misato08280]

海中電灯
(2025)

#海の日

[Oreoluwa Bukola, CFA. @BukkyOA]

If you have a company-approved AI at work but you have not created your first agent, you are doing so many things wrong. So many things wrong!

Before lunch tomorrow, create your first agent. If you don't know how to do it, go the simplest way.

Say, for instance, you use Co-pilot. Create your first Co-pilot agent by going first into Co-pilot and dictating into Co-pilot about what you want the agent to do for you.

Tell it to create the prompt for a strategic advisor on every single technical piece of what you do at work.

You are going to tell Co-pilot everything you want this agent to do for you:
- Quick answers to questions
- Deep, detailed insights on technical stuff
- Financial statements review etc.

Then tell Co-pilot to create a very thorough yet precise prompt that you will then use to create your first agent.

Co-pilot will give you the prompt. Read through the prompt, see if you agree with every single thing there. If you don't, feel free to tweak and change it, then take it and create your first agent.

You can always redo your prompt from time to time, but create your first agent so that it makes your work easier.

Every single thing you're struggling with right now can at least be sorted first by AI for you.

[Dr Folaseye (ENT/Head &Neck Surgeon) @DrFolaseye]

To help celebrate this ogbonge man Mr. Peter Obi.
Me and my Ogbonge doctor friends we go do 65 FREE SURGERIES wey dem Dey call Adenotonsillectomy for pikin dem wey no fit breathe with their nose and mouth for surulere 1.
To do this surgery contact: 09123110102

[Peter Obi @PeterObi]

Roadmap to a New Nigeria That Is Possible – Part II

Education and Healthcare: The Foundation of a Renewed Nigeria

Recall that on July 1st, in Part 1 of "My Vision for a Productive and Prosperous Nigeria," I outlined the broad framework of my proposed roadmap for national renewal. In it, I emphasised that the transformation of Nigeria must begin with rebuilding our human capital through quality education and healthcare, supported by reforms in Technical and Vocational Education and Training (TVET), character and civic education, and strategic investments that will move our nation from a consumption-driven economy to a production-driven one. I promised to follow up with other parts in the coming weeks and months.

Today, July 16th, in the middle of July, I wish to expand on these two critical pillars - education and healthcare - because they are the bedrock upon which every prosperous nation is built. They are the cornerstones of the foundation that will ensure that a son of nobody can become somebody and remove many from the ranks of the disaffected who often become tools in the insecurity challenges confronting us.

Evidence from around the world shows that quality education and accessible healthcare are among the clearest distinctions between thriving nations and lagging ones. Princeton University Nobel Prize-winning economist Angus Deaton highlights this reality in his book, “The Great Escape: Health, Wealth, and the Origins of Inequality.”

Nothing, therefore, could be further from the truth than the claim by some young people that “education is a scam.” Education, when combined with good health, provides the ladder for individual upward mobility and drives economic growth for the nation.

We must become more intentional about aligning education with our national priorities, as Singapore did, and challenge our country to value education in the same way Deng Xiaoping repeatedly urged China to do from 1978 onwards, with the remarkable transformation we see today.

We will work through commissions that strengthen collaboration among the tiers of government, ensuring that primary education is domiciled at the community and local government levels, with strong parental involvement and curricula that are sensitive to local economic factor endowments and the value chains derived from them.

State governments will be supported to expand high-quality Technical and Vocational Education and Training (TVET), as well as general secondary education, through targeted grants and incentives.

We are also developing schemes that will enable universities to focus more deliberately on specialised areas of teaching and research, making them globally competitive while producing a workforce equipped for the demands of the future.

A NEW Nigeria is POssible. -PO

[Susu Graham @susu_graham]

So do England have a mentality problem or that's reserved for African teams lmao

[Jack Ellis @JackEllis]

I’ve spent nearly seven years documenting how we built Fathom: outages, DDoS attacks, migrations, $100k AWS savings, my cofounder’s retirement, and a divorce. I write transparently because I want other people to learn from my mistakes. These 18 posts tell the story:

[Romain Molina @Romain_Molina]

ENQUETE / La mafia du foot argentin 🇦🇷

https://t.co/CbjfbwrMvW

Attouchement sur mineurs, blanchiment, détournement, faux et usage de faux : la Fédération argentine de football connaît une litanie de scandales et enquêtes (notamment du FBI) mais a été couverte et protégée par la FIFA depuis des années

Qui, quoi, comment et avec les documents...

Keep the faith !

[Mal @UtdMaI]

I’ve just watched Romain Molina’s investigative video…

I genuinely thought the Argentina allegations were being exaggerated, but it’s far worse than I imagined. (Sexual assault on minors, money laundering, embezzlement, forgery and use of forged documents) If even half of what’s presented is true, it’s an absolute disgrace.

Argentine football should be cancelled.

I actually feel bad for Messi fanatics right now. This is going to be a very uncomfortable few weeks.