AlfredStefen

[Ola Adams @AlfaAdam001]

Rule of 114.

It’s a mathematical shortcut to calculate how long it takes an investment to triple.

Examples:
•19% annual return → 114 ÷ 19 = 6 years
•25% annual return →114 ÷ 25= 4.6 years
•16% annual return → 114÷ 16 = 7.1 years

Meaning, if you invest ₦100m today in an asset that returns 19% annually, it takes 6 years for your money to become ₦300m.

[Mazi Ndu @maziNdu4Real]

If you are interested in growing your NGX portfolio, bookmark this, you will need it

​INCOME / DIVIDEND STOCKS
​
GTCO - High ROE, industry-leading efficiency, consistent dividend history

ZENITHBANK - Massively profitable Tier-1 bank with heavy twice-yearly dividend distributions

PRESCO - Palm oil giant benefiting from local demand and dollar-linked commodity pricing

SEPLAT- Upstream energy leader paying quarterly dividends with USD exposure

DANGCEM - dominant cement player with huge cash generation and payout history

OKOMUOIL - High gross margins, low import costs, strong cash payout conversion

STANBIC - Strong wealth and pension management engine generating sticky fee income

​GROWTH STOCKS
​Companies scaling capacity, expanding operations, and driving revenue upside

​ARADEL - Upstream exploration + expanding modular refining capabilities

WAPCO - Operational modernization and rising infrastructure cement demand

TIP - Niche player capturing growing industrial waste management & ESG demand

Huh - Leading local pharma maker capturing market share as imports get pricier

TRANSCORP - Power sector reforms + dominance in hospitality driving bottom line

MTNN - Data expansion + MoMo Payment Service Bank fintech scaling

UCAP - Fast-growing asset manager expanding into consumer lending & regional deals

MECURE - Diagnostic services & localized healthcare manufacturing

FIRSTHOLDCO - Balance sheet turnaround + massive agency banking network.

ETI - Pan-African banking footprint giving natural geographic hedge.
​
​Which of these are you holding from 2026 into 2029?

[Technical Ben @TechnicalBben]

Once you learn how to shop directly from China, E.g Temù or shien your wardrobe changes completely. Call me cheap I don't care I ain't rich, I don't do fraud.😭

It's knowing what to search for.

Here's my style after making plenty of mistakes.

1. T-shirts:

Skip 100% polyester unless you're buying gym wear.

Instead, search:
• 100% Cotton
• Combed Cotton
• Heavyweight Cotton
• 240-300 GSM Cotton
• Premium Cotton
• Mercerized Cotton

The heavier the GSM, the thicker and more premium the shirt usually feels.

2. Jeans:

Denim Jeans
Temu is surprisingly good for denim if you know what to search.

Search:
• Denim Jeans
• Cotton Denim
• Raw Denim
• Selvedge Denim (if available)
• 98% Cotton + 2% Elastane
• 99% Cotton

Avoid jeans with high polyester content. The more cotton, the better they'll age and feel.

3. Body-hug clothing:

Search:
• Ribbed Knit
• Modal
• Viscose Blend
• Cotton-Spandex Blend

They hold their shape much better than cheap polyester.

4. Hoodies
Search:
• 400 GSM
• French Terry
• Cotton Fleece
• Heavyweight Hoodie

5. Chains
Search:
• 316L Stainless Steel
• Titanium Steel
• PVD Gold Plated
• Vacuum Plated

These are far more resistant to fading than ordinary fashion jewelry.

6. Earrings
Search:
• 925 Sterling Silver
• 316L Stainless Steel
• Hypoallergenic
• Moissanite (if you're buying stones)

7. Scarves
Search:
• Mulberry Silk
• Silk Blend
• Cashmere Blend
• Wool Blend
• Viscose

Avoid the shiny, thin polyester scarves if you're after a premium look.

8. Loafers
Search:
• Genuine Leather
• Cow Leather
• Full Grain Leather (rare but worth looking for)
• Rubber Outsole

9. Sneakers
Search:
• Rubber Outsole
• EVA Midsole
• Breathable Mesh
• Leather Upper
• Stitched Sole

Pictures lie a lot

The description usually tells the truth.

Here's how I shop:

1. Read the material composition before anything else.

2. Sort by Most Orders or Best Selling, not cheapest.

3. Only buy products with lots of reviews or pictures or even better when a Nigerian has purchased it before they always tell the truth.

4. Read the 1-star reviews first. They'll tell you what the seller won't.

5. Look at customer photos, not the product photos.

6. Check the weight of the product. Better quality clothing is often heavier.

7. Read the size chart. Don't assume your Nigerian size matches.

8. If the title has words like "luxury," "premium," or "designer" but the material is 100% polyester, not everything but still move on.

Your best friend isn't the product picture.

It's the material, the reviews, and the customer photos.

That's how you separate the gems from the junk.

I hope this help.

Things are to expensive for a country this poor.

[a.wuah_ @dizzy10_]

Psg vs Marseille, that match too funny😂

[hisdearest1405 @hisdearest1405]

Here is the video

[Headking's Mindset 🧠 @MindOfHeadking]

Woman: How many women have you had sex with?

Weak man: “ugh…. Maybe 7 or 8, but I don’t talk to them anymore. You’re the one I want.”❌❌❌❌

High value man:

[Olúwatósìn Olaseinde @tosinolaseinde]

₦100,000 invested at the beginning of the year and how it has performed as at June 30, 2026.
1️⃣ Left in the Nigeria savings account - ₦102,400
2️⃣ Just converted to dollars - ₦95,234
3️⃣ Ladda Quick Save - ₦109,600
4️⃣ Ladda Real estate - ₦109,600
5️⃣ Locked in cowry wise -  ₦106,000
6️⃣ Treasury  bills (182 days) - ₦108,088
7️⃣ Treasury bills (364 days) -  ₦117,322 (Available on https://t.co/aPIoTbdhNZ)
8️⃣ Added to Opay (O wealth) - ₦107,000
9️⃣ Bought Bitcoin (BTC) -  ₦65,64 ($47.36) 
1️⃣0️⃣ Bought Ethereum - ₦50,721 ($36.81)
1️⃣1️⃣ Bought Solana (Sol) - ₦55,026 ($39.93)
1️⃣2️⃣ Bought Binance coin - ₦58,502 ($42.45)
1️⃣3️⃣ Bough Palantir -  ₦60,502 ($43.91) 
1️⃣4️⃣ Bought Microstrategy - ₦52,350 ($37.99)
1️⃣5️⃣ Bought vanguard S&P 500 ETF (VOO) - ₦101,041 ($73.32)
1️⃣6️⃣ Bought Nvidia Corporation (NVDA) - ₦98,310 ($71.34)
1️⃣7️⃣ Bought Apple. Inc (AAPL) -  ₦99,405 ($72.14)
1️⃣8️⃣ Bought Alphabet. Inc (GOOG) - ₦101,576 ($73.71)
1️⃣9️⃣ Bought Microsoft corporation (MSFT) - ₦73,444 ($53.30)
2️⃣0️⃣ Bought Tesla. Inc (TSLA) - ₦93,738 ($68.02)
2️⃣1️⃣ Bought HIMS - ₦99,548 ($72.24)
2️⃣2️⃣ Bought Micron Technology Inc (MU) - ₦355,936 ($258.30)
2️⃣3️⃣ Bought SanDisk Corporation (SNDK) - ₦824,437 ($598.29)
2️⃣4️⃣  Bought Jumia Technologies AG (JMIA) - ₦49,569 ($55.97)
2️⃣5️⃣  Bought MTN Nigeria communication Plc (MTNN) - ₦162,430
2️⃣6️⃣ Bought Guarantee Trust Holdings Company Plc (GTCO) - ₦141,010
2️⃣7️⃣ Bought Dangote Cement Plc (DANGCEM) - ₦158,130
2️⃣8️⃣ Bought Transcorp (TRANSCORP) - ₦85,920
2️⃣9️⃣ Bought UCAP (https://t.co/wZIV6EduhA) - ₦93,320
3️⃣0️⃣ Bought UBA (UBA PLC) - ₦95,680
3️⃣1️⃣Bought Sunu Insurance - ₦65,460
3️⃣2️⃣Bought OandO - ₦100,370
3️⃣3️⃣Bought Honeywell Flour Mill  Plc - ₦72,380
3️⃣4️⃣Bought Chellarams Plc - ₦100,000
3️⃣5️⃣Bought Vitafoam Nig Plc - ₦205,430
3️⃣6️⃣Bought ETERNA Plc - ₦97,370
3️⃣7️⃣Bought Scoa Nig. Plc - ₦465,490
3️⃣8️⃣Bought Presco Plc - ₦158,620
3️⃣9️⃣Bought NNIG. Flour Mills Plc - ₦94,190
4️⃣0️⃣Bought NCR (Nigeria) Plc - ₦221,730
4️⃣1️⃣Bought Trans-Nationwide Express Plc -  ₦152,560
4️⃣2️⃣ Bought University Press Plc (UPL) - ₦95,000
4️⃣3️⃣Bought Zenith Bank Plc - ₦186,000
4️⃣4️⃣Bought Nestle Plc - ₦159,600
4️⃣5️⃣Bought Betaglas - ₦152,110
4️⃣6️⃣Bought Ftginsure - ₦505,000
4️⃣7️⃣ Bought Prempaints - ₦304,000
4️⃣ 8️⃣Bought Johnholt - ₦228,570

Do you know that by downloading and saving on Ladda https://t.co/aPIoTbdhNZ you get access to FREE courses. 

If you require one on one session with our consultants please send us a mail [email protected]

#Investing #Longterm #Growth #Money #Savings

[No filter Skin @NoFilterSkin]

Before you pass away, Remove your kids as direct beneficiaries of your assets. Then place all your assets in a revocable trust and name your kids as the beneficiary of the trust. This allows them to by pass the lengthy probate process and gain immediate access to the assets.

[𝕾𝖎𝖗 𝕮𝖍𝖗𝖎𝖘 @eagleseyeinc]

if you're selling to broke people, sell them a way out. if you're selling to rich people, sell them safety. if you're selling to young people, sell them potential. if you're selling to old people, sell them the legacy they'll leave behind. if you're selling to employees, sell them freedom from their boss. if you're selling to bosses, sell them freedom from their employees.

[DIVON 🐺🦅🤍😎 @personalOBserVR]

See the leaders we have... Olodo in the highest places 🤣🤣🤣 E don pass Olodo Uprising

As Mama no get sense, pikin, too, even the Papa 😭😭😂😂😂😂

Oga T-boy: "Cassava Garri Ewa ehh ehhhhh" 🤣🤣😅

RAT-baby: "We're trying to give hope and to start AKARA business doesn't take a lot of money. To start roasting corn… somebody even said about grants, you see they're saying that kulikuli doesn't take much. We didn't give them a loan... "

S-bobo: "I guarantee you my dad is driving this country in a direction it has never ever seen..."

Have we not seen enough??? 😭😭😅

As woman no get sense, papa no get, how pikin won get?

Country Hopeless complete o, na why she just suggest us to live like refugees 😭😭😭😅

We've seen the DIRECTION, and we want it no morrrrrreeeeee

[Velaphi Mjongeni 🏍️🚘✈️🇧🇲🇿🇦🇺🇸 @_thabang_m]

Harvard just opened a free course about Critical Thinking and Structuring an argument to everyone.

[𝓰𝓪𝓫𝓫𝔂💎✨ @9champagne_papi]

Any year, any day, any hour, any minute, any second, any month I see this video, I laugh so hard😂😂😂😂😂😂😂😂😭

[Renny @R_nnyu]

Lmao,try this one

[MrBanks💰 @Mrbankstips]

Getting rich and staying rich are opposite skills.

Getting rich takes optimism, risk and conviction.

Staying rich takes paranoia, humility and the willingness to look like a coward.

Most people who hit it big go broke because they keep using the skill that made the money to try to keep it, know which game you’re playing.

Money isn’t a separate game from life. It’s just the most measurable form of patience.

If you can’t be patient, no income will save you. If you can, no setback will end you.

[Tuchel @Officially_Kriz]

80% of your money went into liabilities disguised as asset.

Your house in Ikoyi. Did you make provision for maintenance every year? Off the top of my head, you'd need to budget at least 10% every year as maintenance cost

GWagon, Wrangler, Toyota Hilux... which money would you use for maintenance?

Bro jewelries really?

Even the frozen food store sef... you'd need working capital

What happened to buying shares, rental properties,T-bills, Bonds, professional certifications and PE investment,

In summary,You are only interested in looking rich . Not being rich. You'd end up in your village soon.

[Shola 👑 @itsSh0la]

If you have 1.4 billion Naira right now, how are you spending it in a way you’d never be broke again?

[Cowrywise @cowrywise]

A windfall is not automatically wealth. It only becomes wealth when it starts protecting you, paying you, and improving your ability to earn.

If you somehow find yourself with ₦20M, ₦100M, ₦1.4B or any amount of money you've never received as a lump sum before, your job is simple:

Make sure no one in your bloodline ever has to ask this question again.

Do not just spend it. Convert it into a system.

Here's how to think about it🧵

[MrBanks💰 @Mrbankstips]

Who else has that delusional belief that everything is just going to work out?

[carter🌚 @carter8f]

“I don’t have a girlfriend yet but my wife must know how to cook 😭

I’m not collecting a private chef… I’m a traditional man 😂🍲”

— Zerry DL

[c͎𝕒𝕞𝕡𝕦𝕤𝟗𝐣𝐚 @Campus9jaa]

Unpopular opinion: This is better than signing shirts. 👀🔥

You can keep it forever, frame it, and pass it down as a memory.

Agree or disagree?