🌟 Get true reachability calculations with the Isochrones API.
This API calculates the area you can reach from an origin point within a set amount of time — but unlike a radius, it accounts for actual road network travel times ➡️ https://t.co/q01DZA6T0X
Microsoft has confirmed that Windows includes a Global Device ID (GDID), a permanent identifier automatically assigned to a PC during installation.
According to Microsoft, the GDID is used for security purposes,The company says it is not used for advertising or tracking users across apps and websites.
Unlike advertising IDs, the GDID cannot be disabled or reset by users, as it is designed to remain tied to the device for its lifetime.
Microsoft publicly acknowledged the identifier only after it appeared in court documents related to an FBI investigation.
And it always starts with that Goldman Sachs internship
…or Bloomberg. Almost like clockwork.
Does Unilag have any exchange programs with these companies?
I've spent the last several months researching, travelling, and studying why countries like Singapore, Netherlands, United Kingdom, Canada and Finland built some of the world's best public education systems.
One thing became clear:
Nigeria doesn't just have an education problem. We have a school management problem.
Today, I'm releasing a white paper that proposes a new way to transform our public schools, keeping them publicly owned while introducing world-class management and accountability.
This isn't about politics.
It's about giving every Nigerian child the opportunity to attend a world-class public school.
I hope this sparks one of the most important conversations our country has had about education.
Read it. Criticise it. Improve it. Share it.
If we get education right, we change Nigeria.
Here is the link https://t.co/EViU52FKFi
Turning 30 was a transformative milestone for me. It marked a shift in my mindset, as I ceased trying to save everyone. Instead, I made bold bets on my abilities. For instance, after two years as a manager, I confidently applied for a country manager role. As a result, my skills began to compound and flourish.
At the age of 35, I had already embarked on the transformative journey of transforming a business into a multi-million dollar enterprise.
40 seems like a significant milestone year too and can’t wait to see what happens then !
How does a non-profit make 13 billion dollars? Just ask FIFA. Because honestly, the body behind the World Cup runs its money better than most businesses, and there is a lot we can learn from it.
FIFA is officially a non-profit, yet it is on track to pull in a record 13 billion dollars over this four year cycle, up about 72% from the last one. So how does that even work, and what can it teach us? Let me break it down.
First, the word non-profit is badly misunderstood. It does not mean no money. It simply means making profit is not the goal. FIFA still earns billions, it just pours most of it back in, saying it will reinvest around 90%, nearly 12 billion dollars, into growing football around the world. The lesson for us is simple. Reinvest what you earn so it grows, instead of spending every kobo.
Second, notice where the money comes from. Almost 9 of that 13 billion comes from a single event, the 2026 World Cup. Everything else is small next to it. That is a lot riding on one thing, but here is the smart part. FIFA plans across a full four year cycle, using that one big payday to fund all the quiet years in between. If your own income comes in bursts, this is the lesson. Budget across the gaps, do not blow the big month.
Third, FIFA never leans on just one source. It earns from broadcasting rights, over 5 billion on its own, from sponsorships, from ticket sales, and from licensing its brand. It even sells TV rights country by country, and it is now letting platforms stream the opening minutes of matches to pull in an even bigger audience. The lesson, strong earners build several streams of money, not one.
And fourth, the clever bit, pricing power. Sponsors do not pay one flat fee. There is a base package just to get in, and then FIFA charges extra depending on how much visibility a brand wants, with the best spots costing the most. Tickets work the same way, priced higher when demand is hottest. And demand is so strong that sponsorship slots sold out back in 2023, the earliest in World Cup history. The lesson, when what you offer is valuable and in demand, you can charge based on the value you give, not just your costs.
So FIFA is not really the charity it sounds like. It is one of the sharpest money machines in the world, simply dressed as a non-profit. And the very same principles behind it can grow your money too. Build more than one stream, price by value, reinvest your profit, and always plan across both the good years and the lean ones.
And this is exactly what we do at Money Africa. We take the way the biggest players in the world handle money and break it down into simple lessons you can actually use, so you can build multiple streams, price your worth, and grow what you earn. If you want to go deeper and truly master your money, our full course lays it all out in plain language. To unlock it, simply save a minimum of 50,000 naira with us on Ladda. You grow your savings and your knowledge at the same time, and your money, plus the interest it earns, stays 100 percent yours.
Hi @jidesanwoolu, @hanneymusawa
I'm deeply disappointed in your @lirs_govng team hounding Selar in the name of claiming creator royalty taxes. I turn 30 in Oct and I've spent the last 10 years building Selar, so this is what the youth mean by policies being created to crush growing businesses. We are the pioneering and largest creator company in Nigeria (Africa actually), and instead of being supported by the government, the LIRS team is keen on trying to scapegoat us to set a precident.
Beyond the huge numbers seen in the headlines, we are still a young company just trying to make our mark for the creator economy in a country where we've never been supported once, we're literally a bootstrapped company. In 2025 alone, we've fulfilled our tax obligation in almost 9 figures and we've never missed out on any of our tax obligation over the years. You can check the records.
We are a software company, we make our ecommerce software available to our thousands of creators in not just Nigeria but 13 other African countries and for that, we earn a small commission of 4%, most of which goes to our payment provider. This is the same business as shopify, teachable, e.t.c There is no reason LIRS is hounding us for a backdated 5% royalty fee on all sales when we've clearly explained our line of business to them and shared everything to prove we are not a royalty based business.
What they're asking us to do is raise our pricing to extort these funds from our creators which is odd considering our creators still pay taxes on their income. No creator company in the world charges as high as even 5%.
Also, less payment gateway charges we get 1-3% max, so where do we pay backdated 5% fees from?
The government would have to decide if it wants the Nigerian creative economy to grow or not.
This conversation is important to me because we pioneered this industry of monetizing digital products online in Nigeria and today we host over 400k creators selling using our platform.
This is an opportunity for the government to show it's committment to making Nigeria work for young Nigerians especially in the creator economy.
Time and money we should be spending investing into our business and it's growth for the GDP of this nation is being spent in long back and forth.
We can't catch up with the west if this is what we're facing at home. Above everything else, disputes like this are distracting from the real work.
If anything, for all our CSR contributions to the education system in the country with our Smart Hustle Anti fraud initiative and our other efforts, we should be getting tax rebates, but we're not even asking for anything but to be left alone to build our business.
Thank you.
In the 1980s and early 1990s, banking in Nigeria was very different. Many banks functioned more like conduit pipes for politically connected individuals, while customer experience, risk management, and institutional discipline were generally poor.
Banks like GTBank and Zenith Bank emerged from that environment and created something different.
What these guys achieved came from the people behind those institutions. They understood credit, treasury, technology, risk management, and customer service.
That knowledge allowed them to build institutions that were more efficient, more professional, and more trusted than much of what existed at the time.
The same applies to Herbert Wigwe and Aigboje Aig Imoukhuede.
Their deep understanding of corporate banking helped them see value in an institution that many people would probably have overlooked. They understood how to originate relationships, assess risks, structure transactions, and grow a corporate banking franchise.
That knowledge was eventually translated into one of Africa’s largest banking groups.
FMDQ is another important example.
Its rise was partly driven by a leader who had a strong understanding of the financial markets and had himself been a successful fixed-income and foreign-exchange trader.
He did not need to be taught why market infrastructure mattered. He understood how dealers behaved, where the inefficiencies existed, how treasury markets worked, and what was required to improve transparency and price discovery.
That depth of knowledge helped FMDQ grow into one of the most important institutions in the Nigerian financial markets.
Andrew Alli at AFC is another example who heralded the affairs of AFC in its early days, and created significant value.
This is why talent is not merely another input into a business. In some industries, talent is the business.
Financial markets are ultimately built on knowledge.
You need people who understand how to price risk, structure credit, manage liquidity, create financial products, enforce governance, and build the trust required for people to exchange capital.
Another instance is the credit problem in Nigerian banking.
Banks are often criticised for lending mainly to governments, large corporations, and familiar customers. But lending in Nigeria is genuinely difficult.
Inflation is high. Deposit maturities are short. Businesses often have weak records. Collateral enforcement is difficult. Foreign-exchange risks can destroy otherwise viable transactions.
A bank without deep credit capacity will respond to these risks by avoiding them.
It will lend only to the largest companies, demand excessive collateral, or invest its money in government securities. This is rational from the bank’s perspective, but it does very little to expand productive credit across the economy.
However, experienced bankers and structured-finance professionals know that risk cannot always be avoided. Sometimes, it must be understood, divided, priced, secured, and monitored.
They can structure cash-flow lending, risk-sharing arrangements, guarantees, supply-chain finance, receivables financing, project finance, and other models that make difficult transactions possible.
Two banks can therefore operate in the same economy, face the same inflation, collect the same short-term deposits, and still produce very different outcomes.
The difference often lies in the depth of the people sitting in their credit, treasury, risk, and product units.
This is also why hiring many people is not the same as having strong human capital.
A financial institution may have hundreds of employees and still lack the small number of people who deeply understand how markets work, how risks interact, and how new opportunities can be created.
Nigeria does not suffer only from a shortage of capital. We also suffer from a shortage of deeply skilled people who can convert capital into productive businesses, credible institutions, and functioning markets.
Finance is a knowledge game. To excel and develop concrete solutions, you must have a solid understanding of the fundamentals.
This actually makes me sad. Programming is such a fun thing to do in of itself. The completion of the thing task is the ultimate goal, but the road to get there is enjoyable!
Even as i investigate loops and think deeply about how to deploy AI in a real manner that produces real and good code I still make time for 45 minutes to 3 hours a day trad programming.
But regardless of AI being perfect or not, being able to produce quality work or not is not even part of the argument. I just like programming and I think that loving the craft of building the thing itself will ultimately make the thing you are building better. Because you care deeper about it.
Its not about a pretty dress & lipstick you put on it, but the deep thought care you put in to the things no one sees or perhaps its so good they just don't notice. I think that is where the best software is made.
A junior just asked me "what do I do if I'm being grilled about something I don't understand?"
Try this:
1. In a grilling session
2. "I don't understand this"
3. "/handoff to a teaching agent to understand this"
4. Pick up the handoff doc with the /teach skill, in your teaching workspace
5. Learn it
6. Go back to the grilling session and pick up where you left off
Keeps the grilling session clean, records progress in your /teach skill, and helps you learn
My skills repo has 160K stars, 7.5m downloads...
...and no tutorial.
So, here it is. Watch me walk through the essential skills:
- /grill-with-docs
- /to-spec
- /to-tickets
- /implement
- /code-review
It's the whole flow, end-to-end. Enjoy:
2 people can have the same income but completely different tax rates
Why?
The U.S. tax system treats different types of income differently: how much you earn matters, but so does how you earn it. Most employees don't fully understand the rules or full range of planning opportunities available to them.
For our 1st newsletter, I break down All the Ways Employees Can Save on Taxes into 5 levels, from the basics every employee should know to the advanced strategies available to high-income earners.
Read here: https://t.co/ZUogoM35Q6
Just saw Shopify's Head of Engineering video on "What Is Your Job Now" in this list (this time I didn't just bookmark the post, lol).
I really liked this part of the video where he shares a story:
At Shopify there was a team of around 50 engineers who spent 18 months building a system for merchants. They put in a lot of work and went through many iterations. Eventually they reached a point where they felt ready to show it to the founder Tobi.
They presented the architecture and the solution. Tobi reviewed it and indicated that it seemed ready to launch.
But then Tobi asked a simple question: If you could start over today, how would you actually build this?
The team paused and went to the whiteboard. They described a completely different approach, a much simpler architecture which avoided a lot of the complexity they had spent the last year and a half putting into the original version.
Ofc, Tobi looked at the new idea on the board and told them to delete everything they had built so far and start over from scratch.
Basically, Tobi was trying to show the team that: The learning was the collateral. Not the code.
This story captures something important: As engineers our job involves more than producing lines of code. It involves spending time understanding the problem space, thinking through possible solutions with customers and teammates, developing judgment about architecture, and gaining that deep domain knowledge. The code that eventually ships is the visible output, but the real lasting value is the understanding we build along the way.