TOGBI

🇬🇭

[ßtc @buzorszn]

If the universe gives you another chance, please don't fuck it up again.

[ßtc @buzorszn]

If life favours you, never call another nigga lazy.

[TOGBI @carlivor]

@bigfaisal101 @DebwouyWalinky7 @gyamfi__01 @1real_Stanley Faisal are you the PR for the school or you’re representing the student body. Your claim that no university can sponsor their own roads is false. Maybe you should travel to other universities and see. I go pay for you make you go see

[‏ً @M0tion_001]

N!gga, Vent to nobody. play loud music and handle it.

[🦇 @BIG_PRIME01]

despite the slow progress, a nigga still trusts the process.

[Uncle T @uncleTgotpaid]

when you win again, don’t forget the
lessons losing taught you my nigga

[Internet @ThabigRexy]

you will win but it will change you

[𝔽𝕝𝕒𝕞𝕫𝕪 ♔ 🥷🏽 @hw_flamzy]

Lock tf in and finish out the year strong.

[🥷 @_iamhabeeb]

you need an unshakeable belief in your ability to create the life you want.

[🐍 @Kentrell201]

Face am with swag no tell anybody !!!!

[Khontent, CA. @Khontent20]

9am: Momo to bank

2pm: Bank to Momo

[y @ysuckme]

no better feeling than being back on your shit after a tough time

[TOGBI @carlivor]

💯

[Gerhard. @gerhardszn]

Put people on when you can. There’s room for everybody.

[y @ysuckme]

before 2027, your life can still completely change for the better btw

[$ @jxtsummer]

master the art of saying less

[🕊 @sirtrickzz]

i still believe this year ends well for me.

[Osagyefo Oliver Barker-Vormawor @barkervogues]

LET’S TALK GOLDBOD and Sammy Gyamfi!!

For those struggling to make sense of all the noise, lets make it clearer in just 20 points:

1. A couple of weeks ago, the IMF published a report in which it stated, accurately, that the Bank of Ghana incurred losses of more than US$1.7 billion in 2025 through the Domestic Gold Purchase Programme.

2. Here are the IMF’s exact words:

“DGPP operations have generated significant losses for the BoG. Losses in 2024 were equivalent to almost US$400 million (0.5 percent of GDP), one third of which were related to G4O. In 2025, the significant scaling up of DGPP operations led to losses of over $1.7 billion (1.5 percent of GDP), almost entirely related to G4R doré purchases; this amounted to a loss of 17 percent of the value of doré gold sold by the BoG. Losses accrued on gold trades are a combination of service and assay fees paid to GoldBod, discounts on gold sold to off-takers (exporters) and, most importantly, exchange rate losses from the spread between the forex bureau rate paid to purchase gold and the cedi reference rate used for BoG accounting.”

3. Read that passage closely. The IMF says that the losses arose almost entirely from the purchase and subsequent sale of doré gold under the Gold-for-Reserves programme. Those losses amounted to approximately 17% of the total value of the doré gold sold by the Bank of Ghana.

4. The 17% is not a separate cause of the loss. It tells us the scale of the loss relative to the value of the doré gold sold.

5. The IMF then identifies three components of the loss.
First, the Bank of Ghana paid GoldBod service and assay fees. I want you to pause here for a moment.

6. If the Bank of Ghana paid money to GoldBod, does that not mean that GoldBod earned revenue? How can that same revenue be presented as a loss incurred by GoldBod? That would be like saying the contractor lost money because the government paid the contractor’s bill.

7. This does not answer whether GoldBod’s fees were reasonable or excessive. Those fees could be scrutinised. But it is inaccurate to convert a cost incurred by the Bank of Ghana when it paid Goldbod into a loss for GoldBod. ah!

8. Second, the Bank of Ghana incurred losses because it sold some of the gold to off-takers and exporters at a discount. Again we can discuss whether the discounts are justified. Many believe they are, as a smuggling deterrent mechanism. Even as they question, how long can be keep those discounts.

9. Finally, and most importantly according to the IMF, while the gold was purchased from miners using the forex bureau rate, the Bank of Ghana accounted for the transactions using a lower cedi reference rate. The difference between the two rates was recorded as a loss.

10. To give an example, if you have US$1,000 in the bank, you may get only GH¢10,350 for it. But if Kwame has US$1,000 in his hand and is calling Abotsi to change it for him, he has GH¢12,000 in his hand. The difference is GH¢1,650. That’s the logic.

11. This is why, some are calling it a "paper loss" You did not

12. Now, from everything I have explained, where did GoldBod itself incur the US$1.7 billion loss for which the Minority Leader says Sammy Gyamfi’s bail conditions will be like a pig’s fingernail?

13. The IMF passage being circulated does not establish that claim.

14. To be Clear, none of this means that the BoG's programme should escape scrutiny. We must ask whether the fees incurred were justified, why gold was sold at a discount, whether the pricing and exchange-rate arrangements made sense, who approved them, and whether the benefits of the programme justified its cost.

15. We need continuous scrutiny of public institutions. But deliberate misinformation benefits no one. It replaces accountability with propaganda and distracts us from the questions that actually matter.

[Captain Sankara @captainofthe1]

To be honest, money will definitely change me. When I hit the biggest funds of my life, I will totally change because I know the pain of being broke and being insulted at the same time.

~Captainoftheship🛳️

[Dax @thatsdax]

Neverrrrrrrrrrrrrrrrrrr get tired of asking God to guide you.

[TOGBI @carlivor]

another year wiser.