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Please feed your children enough protein and cut down on the junk food.
It's funny how some mummies will load Daddy's plate with meat and fish, then tell the children to share one piece among themselves.
Children need proteins more for their growth and brain development.
If anyone should be sharing their meat, it should be the adults, not the other way around.😏
Here's the wealth formula nobody makes simple enough:
• Invest more than you save
• Save more than you spend
• Spend less than you actually need to
It doesn't mean you can't enjoy your money. It just means you build the habit of letting it work for you, instead of watching it disappear.
Do this long enough, and wealth stops being luck. It becomes a system.
While you are sleeping, working, traveling or spending time with family, your money can be busy earning too.
That is the beauty of investing.
Work for money first, then let money start working for you.
Whatever you do, try your best to make money from it. If it takes your time, sweat or expertise, you deserve to make good money from it. If anybody tries to drag you into "doing it for passion," curse their papa.
Rare opportunities right now on the NGX:
NAHCO below ₦150 from ₦240+.
MTN at ₦800 from ₦930.
GTCO at ₦115 from ₦150.
Zenith at ₦110 from ₦136.
Fidson at ₦91 from ₦130+.
NGX Group at ₦123 from ₦170.
Rare opportunities often arrive disguised as corrections.
I’ve been using my phone for years without a screen guard or phone pouch, and the screen has never broken.
That’s a clear sign that a guy like me can never break a lady’s heart.😁
A tree will never BEND for you to CLIMB.
Climbing a tree must start from the GROUND.
Success will never lower its STANDARDS to accommodate you.
You have to RAISE your standards to ACHIEVE success.
God PROVIDES food for every BIRD but not in its NEST.
Manna was to be PICKED, it never fell in the baskets of the Israelites.
Today, RISE up to the CHALLENGES ahead of you and FACE your FEARS.
Always remember that DETERMINATION and DILIGENCE with the help of DIVINITY leads to all-round success in life.
Every wealthy family tree started with one person who thought about the next generation instead of the next weekend.
Be the person your future family will thank.
Buying a house is an investment too.
The problem is that many people compare property and investing as if one must cancel the other.
A house can provide Capital appreciation,Stability,Leverage through a mortgage,Protection from rising rent.
Investing in stocks can provide Liquidity,
Dividends, Faster compounding.
The right answer depends on your stage of life, goals and income.
Wealth is not built by choosing one asset class and fighting the others.
It is built by understanding what each asset is meant to do.
Just have the moneylogic , and you are set .
That being said , I will invest mine .
The Bank is not your friend and neither is it your enemy. It is only your tool if you know how to use it well.
You can use the tool to cheat the money system by playing a completely different set of rules.
Let me tell you what the bank actually is.
The bank is a business. Specifically, it is a business that makes money by doing one thing..... lending money it collected from people like you and me at low rates to people like Dangote at high rates and keeping the difference.
That difference is called the spread. And in Nigeria, that spread is one of the most profitable in the world.
The bank collects your savings deposit at maybe 4-6% interest. It turns around and lends that same money to a business owner at 30-35% interest.
The difference..... 25 to 30 percentage points is the bank's profit on your money oohh. I know you are angry now.....
Now here is the question nobody asks at any business seminar in Nigeria.
If the bank is making that much money by lending the money they borrowed from us..... Why are you afraid to borrow or afraid to lend at higher rates?
The bank has built its entire empire on the intelligent use of other people's money.
Ann some people has spent decades through culture, through church, through parental advice convincing you that borrowing is dangerous.
It's dangerous for you and not for them. Hahahahahahahahaha.
Think about that for a moment.
Now, find any significant wealthy person in Nigerian history or African history excluding politicians oohhh.
Read the actual story of how they built their wealth. Not the testimony version ooo, I mean the actual business story.
You will find the same pattern in everycase.....
They identified an opportunity that required more capital than they personally had.
They found a way to access that capital.... from banks, from investors, from partners, from development institutions.
They deployed that capital into the opportunity. The return on the opportunity exceeded the cost of the capital.
They repaid the capital. And kept the surplus. Then they did it again and at a larger scale.
This is the engine of wealth creation.
Not savings and not careful accumulation of personal funds over decades to make wealth.
You see this intelligent deployment of borrowed capital into opportunities that return more than they cost is a game changer
The wealthy do not save their way to billions.They only leverage their way there.
And the middle class are trained to be afraid of debt while watching the banks and the wealthy use their savings to build wealth
This is a financial architecture and it is learnable.
Hope this makes sense to you... Oya go and start thinking about your life and money and dont forget to share this post.
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Many people celebrate a salary increase.
Then quietly increase their lifestyle and remain in the same financial position.
Grow your wealth, not just your expenses.
If this is the edition that Cristiano Ronaldo was supposed to use to bridge the gap between his World Cup pedigree and Messi's, I'm afraid he's already playing catch up.
What a hattrick!
And that first goal... 🤯
#ARGALG
per @TheAthleticFC
- Summerville: #mufc enquired about his situation & aware he cost £50m.
- Rashford: has £40m clause (not to City or Pool) some PL clubs interested.
- Mateus Fernandes: advanced talks with his agents, personal terms not to be a problem.
- Scott: would cost ~ £60m (Bournemouth want to give hime new deal with £75m release clause).
- Sander Berge: another player #mufc interested.
- Hall: #mufc interested but Newcastle not looking to sell.
- #mufc may still seek to strengthen the left-hand side of their attack rather than at LB.
- Another ST could also be sought.
It’s over. The US and Iran have reached a peace deal, and oil is already falling.
The Strait of Hormuz is open again. Brent and WTI dropped to the low 80s, and they could slide further when markets open today.
For us it cuts both ways. Cheaper crude can ease fuel and transport in time. But less oil money also means fewer dollars for a country that runs on it.
Relief at the pump, pressure on the purse. Nigeria always feels oil both ways.
Born on March 27, 1946, in Oba-Ile, Osun State, Kola Oyewo began his acting career in 1964 with the Oyin Adejobi Theatre Group. He later became one of the most recognised figures in Yoruba theatre and Nigerian film.
He was widely known for his portrayal of Odewale in Ola Rotimi’s play, “The Gods Are Not to Blame,” a role that earned him recognition across the African theatre scene.
During a career that spanned more than six decades, Oyewo featured in several productions, including “Saworoide,” “Sango,” “Koseegbe,” “Super Story” and many Yoruba-language films that contributed to the growth of Nigeria’s movie industry.
Beyond acting, Oyewo was also an academic. He earned a doctorate degree in Drama from the University of Ibadan and taught at Obafemi Awolowo University, Redeemer’s University and Elizade University.
Through his teaching and mentorship, he helped train and guide generations of actors, playwrights and scholars, leaving a lasting impact on Nigeria’s theatre, film and academic communities.