AI.Always

An aficionado of Pan African Prosperity.

[AI.Always @Ayodeji_always]

A merry heart doeth good like a medicine: but a broken spirit drieth the bones.

Proverbs 17:22.

[The Tech Prophet (Amospikins) @Amospikins]

How to Migrate a Live Database Without Crashing Production

[AI.Always @Ayodeji_always]

@krunalbuilds Granted.

So, may I ask, what if the user changes payment method on the retry. For instance; 1st try is pay by transfer and the retry is card payment. What happens.

[Michael Ajih, CFEI® @AjihMichael]

Most people remember the moment money started to feel different.

Not when income doubled, but when surprises stopped.

No shocks.
No scrambling.
No panic borrowing.

Stability begins when surprises lose power.

[Michael Ajih, CFEI® @AjihMichael]

Financial progress rarely looks dramatic.

It looks like fewer surprises.
Shorter panic moments.
Quicker decisions.

That is how stability begins.
Quietly.

[Michael Ajih, CFEI® @AjihMichael]

Many people review their finances once a year.
Some never do.

A 20-minute monthly check prevents a year of regret.
Not because numbers change fast, but because awareness compounds.

Take it or leave it, attention is a financial skill.

[Michael Ajih, CFEI® @AjihMichael]

Debt becomes overwhelming when it is emotional.

Writing it down changes everything:
£3,800 credit card
£2,600 loan
£900 overdraft

Now it is not shame; it is a plan.

Numbers written down lose their power.

[AI.Always @Ayodeji_always]

@Adam_DelDuca Go.

[AI.Always @Ayodeji_always]

@damienghader Guide.

[Michael Ajih, CFEI® @AjihMichael]

Buying in bulk saves money, but only if you can. £12 for 24 toilet rolls (£0.50 each) versus £3 for 2 (£1.50 each). Over a year, the smaller purchase costs triple.

The price difference is not quality; it is purchasing power. Limited cash forces higher unit costs.

[AI.Always @Ayodeji_always]

@CoachKingLeon Tax guide.

[Michael Taiwo @AskMichaelTaiwo]

The wrong environment will shrink your potential.

Stay too long, and you'll start mistaking survival for success.

[AI.Always @Ayodeji_always]

@Imranmuhdz @woye1 To be honest, this is the first time the head of efcc would be engaging like this. A bright mind too. Very impressive.

[AI.Always @Ayodeji_always]

People don't just blow.

ID Cabassa.

[Uzoma Nwagba @uzonwagba]

I’ve been binge-watching the riveting tributes to Dr. Herbert Wigwe. Nothing prepared me for the rethinking of a few life choices.

It’s obvious life is about people. What’s less obvious is that we do not have much time: to not act, or to waste action.

The man was deliberate.

[Habu Sadeik @HabuSadeik]

In lagos, choosing where to live vis-a-vis location of the office is a dicey decision to make.

Option A
Reside close to the office with little transport cost and higher accommodation cost.

Option B
Reside far away from office with lower accommodation cost and high transport cost.

Let's try to analyse the 2 contexts.

Assumptions.
1. You work in VI.
2. The pay is 350k net
3. Rent in VI is N2m annually
4. Rent in Ikeja is N700k
5. Full TP cost to&fro VI to Ikeja 4k
6. Full TP cost to&fro office within VI 1k
7. You work 4 days a week, friday you do work from home, i.e. 16 days in a month.
8. You're single, not married.

In VI, there is a high cost of living, and all expenses are relatively high. There is an opportunity for networking, too.

In Ikeja, relatively low cost of living, expenses are moderate, opportunities for networking is low compared to VI.

Let's analyse option A for both qualitative and quantitative options.

Option A is where you reside in VI and your rent is N2m annually.
TP cost annual is 1k every day for 4 days = 4k per week by 52 weeks = 208k annually.

Total rent and TP annually is N2.2m
The total net income annual is N4.2m net.

Your net income annual (excluding rent & TP) will be N2m, which you can spend for food, clothing, etc.

Other implicit benefits.
1. Close to the office.
2. Less traffic.
3. More chance of networking
4. More secured environment than Ikeja
5. Closer to opportunities.

Other implicit cost
1. High cost of living

Option B.
Rent is 700k annual.
TP cost annual is 832k annual
Total rent and TP cost is N1.5m

Total net income excluding rent & TP is N2.7m to be used for food, clothing, etc.

Other implicit cost.
1. Far from the office
2. High chances of traffic
3. Not close to opportunities
4. Low chance of networking

Other implicit benefits.
1. Relatively low cost of living

Summarily

With your job of 350k net, after removing rent and transport, you will have N2m p.a (160k/month) disposable income when living and working in VI

while

you will have N2.7m pa (225k/month) when living in Ikeja working in VI.

Using the financial & non-financial information, which one will you go for?🤔

[Sir J (J9) @SirJarus]

I like the distribution of rich men in my community. Good case study for youths.

The two men believed by many people to be the richest have these profiles:

Alhaji A
- 1st class in Accounting (Unilag)
- FCA (chartered accountant)
- PhD
- MBA
- Did 9-5 for many years rising to become AGM Finance in NNDC Kaduna
- Started own business as tax & accounting consultant, before going into pension fund administration (owns a PFA), HMO, luxury property etc

Alhaji B
- Started life as artisan (plumber)
- Enrolled for OND in Civil Engineering (Kaduna Poly)
- Went into construction
- Later went into luxury hotel business and currently holds franchise for 4 Raddison hotels in Nigeria.

Lesson for Offa youths

Whether you go through the book route (like Alhaji A) or through the artisan-cum-business with less education route (like Alhaji B), you can attain wealth. Yahoo is not an option.

[AI.Always @Ayodeji_always]

@Elv_hiis @Wizarab10 Fact of life.

[Osaretin Victor Asemota @asemota]

I had a life altering experience in November 2022. I thought I was comfortable and would never be poor again but whosai! Second time in life it has happened to me. The first one was when I had over $200k cash while still in school and I slept on top of it. Money is nothing.

[Maazị Ogbonnaya Okoro @maazi_ogbonnaya]

The first ever Physics textbook rendered in Nigerian language (Igbo) is OUT!!!!

Over the years, I have read so many threats facing the Igbo and how it will go extinct. This motivated me to embark on this project that seemed unattainable, for science subjects to be taught in Igbo

[AI.Always @Ayodeji_always]

So sweet to read.

[Olaudah Equiano® @RealOlaudah]

Teach your children history.

WHERE WERE YOU IN 1987?

Professor Yemi Osinbajo was then a Special Assistant to the Attorney General of the Federation.

That was the year Oba Yesufu Oloyede Asanike, Olubadan of Ibadan made history.

Olubadan installed Moshood Kashimawo Olawale Abiola as the Bashorun of Ibadan.

It was a prestigious title befitting of a distinguished personality in the mould of MKO Abiola.

That was the title of the legendary Bashorun Oluyole who was the paramount chief of Ibadan in 1850.

It was also the title of Bashorun Ogunmola who reigned between 1865 and 1867.

It was therefore historic that exactly 120 years after the death of Ogunmola, MKO Abiola became the fourth person to be conferred with the prestigious title.

It was indeed a befitting honour for someone who had amassed chieftaincy titles from almost every town in Nigeria.