JOSH ehbookah

[Abraham Okah(info hub) @AbrahamOkah2]

Here are Twenty-five (25) Tuition-Free Universities in Germany 🇩🇪:

1. Heidelberg University
2. Humboldt University of Berlin
3. Free University of Berlin
4. Georg-August University of Goettingen (University of Goettingen)
5. University of Hamburg
6. University of Stuttgart
7. Technical University of Munich (TUM)
8. Karlsruhe Institute of Technology (KIT)
9. RWTH Aachen University
10. Technical University of Berlin (TU Berlin)
11. Eberhard Karls University of Tübingen
12. Albert Ludwig University of Freiburg
13. University of Bremen
14. Hasso Plattner Institute, Potsdam
15. Ulm University
16. University of Passau
17. University of Kaiserslautern
18. TU Clausthal
19. TU Braunschweig
20. BTU Cottbus – Senftenberg
21. Magdeburg University
22. Technical University of Dresden (TU Dresden)
23. Goethe University Frankfurt
24. University of Münster (Westfälische Wilhelms-Universität Münster)
25. University of Cologne

[Toby @TomolaGroup]

Bro to bro, nobody taught us money, so here is the order from zero:

1. Know your risk first. If a 30% drop will make you panic sell, stick to safer options like money market funds and bonds. If you can stomach the swings, you can add stocks later.

2. Build an emergency fund. 3 to 6 months of your expenses (High yield savings account like money market funds). This is what saves you when work scatters so you do not have to borrow or sell investments at a loss.

3. Park that emergency fund in a money market fund, not a savings account. @ZedcrestWealth , @CardinalStoneNG , @cowrywise and @MeristemNigeria pay around 17%+ yearly, your money is safe, and you can withdraw within 24 hours.

4. Pay yourself first. The moment alert lands, move a fixed cut into investments before rent, before anything else. Start with 10% and push to 20 to 30% over time. Automate it if you can.

5. Live below your means. Earning 800k and spending 800k is not wealth, it is survival in style. Cut what you will not remember next year.

6. Build multiple streams of income or learn a high demand skill. Tech, sales, copywriting, design, video editing, data. One salary in this economy is risky. Skills travel with you and can earn in dollars too.

7. Once your emergency fund is solid, start investing in stocks. If you are under 30 and can handle risk, look at growth stocks. If you want safer plays, stick to blue chips, Zenith, GTCO, MTN, Dangote Cement and BUA Foods on the NGX, Apple and Microsoft on the US side. @ZedcrestWealth , @investbamboo and @CardinalStoneNG make it easy.

8. Add dollar exposure. The naira keeps bleeding, so hold assets outside it. @Risevest and @investbamboo give you access to the S&P 500 and other USD assets. Even small monthly buys add up.

9. Diversify properly. Treasury bills, Vault savings and FGN savings bonds through apps like @Afrinvest , @mycashierlife and @getladda , eurobonds via @cowrywise when you can access them, real estate via @Risevest when your capital is ready. No single event should be able to wipe you out.

10.Avoid stupid debt. Owambe loans, gadget loans and lifestyle loans set you back years. Only borrow for something that pays you back.

Wealth is boring and slow, but it works. Move with a plan, not vibes.

I went deeper into all of this in my book if anyone wants the full breakdown: [
https://t.co/3PaTnYbJAb
]

[ProfitableMan @ProfitableMan1]

The Dangote Refinery IPO is coming in September 2026.

Most Nigerians are excited about it. Very few understand what an IPO actually is, what they are buying, or what happens to their money after they invest.

This thread explains IPOs from the very beginning and uses the biggest one in African history to show you exactly how it all works.

Read this before you put a single naira into any public offer.

[Prince Fynn @Prince_Fynnd]

Bro to bro,

1. Drink water early in the morning. Do it for your kidneys.

2. Eat at least two eggs every day. Do it for your brain and hormones.

3. Practice Kegel exercises and take regular walk. Do it to build strength and support heart health.

4. Drink a shot of ginger every morning. Do it to boost your immune system.

5. Get morning sunlight. Do it for for natural vitamin D production and skin health.

6. Eat pomegranate and beetroot, Do it to boost your libido and stamina.

7. Eat raw garlic before bedtime. Do it to boost your testosterone levels.

8. Eat raw onions or add them to your meals. Do it to help prevent cancer.

9. Eat watermelon and seeds, Do it to improve erections and make you last longer as a man 💪.

10. Eat cucumber everyday, Do it to aid digestion.

Repost for others to learn!

[Bash @iambaashh]

How to buy Dangote refinery shares when it launched..

1. Create an account with the Nigeria Exchange Group. Google NGX website.

2. Then go to your broker (Bamboo, Afriinvest etc) and copy your CSCS number.

3. Comeback to the NGX profile you created and link your CSCS number.

Then wait for the day the Stock is launched.

Any newly launched stock will be displayed on the Available Offers section of your NGX app.

So get ready for this once in a while opportunity...

[Sir Nelson @Crypto_Diet]

Key Differences of STOCKS APPS at a Glance.

1. Bamboo , best for Beginners & U.S. stocks.

2. Trove for Advanced traders.

3. Chaka for Simple NGX + U.S.

4. Risevest for Long-term wealth.

5. Afrinvest for Professional trading.

6. Meritrade for NGX traders.

7. Cowrywise for Passive investing.

8. ARM One for Mixed investments.

Are you learning and following?

[𝐓𝐡𝐞 𝐏𝐫𝐞𝐬𝐞𝐫𝐯𝐞𝐫 @ThePreserverofU]

14 BOOKS TO BECOME A BEAST

01. How to Talk to Anyone
02. The Power of Habit
03. The 4-Hour Body
04. Rich Dad Poor Dad
05. The 5 Second Rule
06. The Power of Now
07. The 10X Rule
08. Unlimited Memory
09. 12 Rules for Life
10. Limitless
11. Think and Grow Rich
12. Quiet
13. Not Nice
14. The 5 Love Languages

[Tosho @richtosho]

You just made ₦1,000,000 and you don’t know what to do with it?

Save this portfolio plan for good and safest returns.

20% (₦200,000) in GTCO and Zenith Bank for dividends and stability (they delivered some of the highest bank dividends in 2025 with GTCO paying ₦12.76 and Zenith ₦10 per share).

12% (₦120,000) in Dangote Cement for industrial growth (it gave the highest dividend in its history in 2025 at ₦45 per share).

8% (₦80,000) in Okomu and Presco for palm oil and agriculture exposure (strong dividend payers with solid growth of over 100% in 2025).

10% (₦100,000) in MTN Nigeria for telecom exposure (it rebounded strongly in 2025 with attractive ₦20 per share total dividend).

10% (₦100,000) in Seplat Energy for oil & gas diversification (one of the top consistent high dividend payers in 2025).

10% (₦100,000) in BUA Foods for consumer goods exposure (strong performer and growth in 2025-2026).

20% (₦200,000) in a money market fund for safety (delivered attractive double-digit yields often 18-24% in recent periods).

10% (₦100,000) in a 364-day treasury bill at roughly 16-19% (locked-in fixed income with low risk).

This smart diversified portfolio limits risk while targeting strong returns through proven 2025 performers that delivered massive dividends and growth into 2026.

Save this now, share with friends building wealth, and drop a comment if you would invest your own 1 million this way!

[Epic Maps 🗺️ @theepicmap]

How Safe Is Walking Alone During Night in Europe? 🌙🚶‍♂️

🇦🇱 Albania — 🟢 Safe
🇦🇹 Austria — 🟢 Very Safe
🇧🇪 Belgium — 🟢 Safe
🇧🇦 Bosnia — 🟢 Safe
🇧🇬 Bulgaria — 🟢 Safe
🇭🇷 Croatia — 🟢 Very Safe
🇨🇾 Cyprus — 🟢 Very Safe
🇨🇿 Czechia — 🟢 Very Safe
🇩🇰 Denmark — 🟢 Safest
🇪🇪 Estonia — 🟢 Very Safe
🇫🇮 Finland — 🟢 Safest
🇫🇷 France — 🔴 Not Safe
🇩🇪 Germany — 🟢 Safe
🇬🇷 Greece — 🔴 Unsafe
🇭🇺 Hungary — 🟢 Safe
🇮🇸 Iceland — 🟢 Safest
🇮🇪 Ireland — 🔴 Unsafe
🇮🇹 Italy — 🔴 Unsafe
🇽🇰 Kosovo — 🟢 Safe
🇱🇻 Latvia — 🟢 Safe
🇱🇹 Lithuania — 🟢 Safe
🇲🇪 Montenegro — 🟢 Safe
🇳🇱 Netherlands — 🟢 Safe
🇲🇰 N. Macedonia — 🟢 Safe
🇳🇴 Norway — 🟢 Safest
🇵🇱 Poland — 🟢 Very Safe
🇵🇹 Portugal — 🟢 Very Safe
🇷🇴 Romania — 🟢 Safe
🇷🇺 Russia — 🟢 Safe
🇷🇸 Serbia — 🟢 Safe
🇸🇰 Slovakia — 🟢 Very Safe
🇪🇸 Spain — 🟢 Safe
🇸🇪 Sweden — 🔴 Unsafe
🇨🇭 Switzerland — 🟢 Safest
🇬🇧 United Kingdom — 🔴 Not Safe

(Source: GeoMapped)

[Rushika Rai @rushu888]

52 websites worth more than most college degrees:

1. Coursera. org – University courses completely free to audit
2. Brilliant. org – Interactive math and science learning
3. Wolfram Alpha – Answers any mathematical or factual question
4. GitHub. com – Learn coding from real world projects
5. Investopedia. com – Finance and investing explained simply
6. Archive. org – Access millions of free books and old websites
7. Project Gutenberg – 70000 free classic books
8. Duolingo. com – Learn any language for free
9. Notion. so – Organise your entire life and learning
10. Our World in Data – Every global statistic visualised
11. Statista. com – Data and statistics on everything
12. OpenLibrary. org – Borrow millions of books online free
13. Hemingwayapp. com – Write clearer and simpler instantly
14. NASA. gov – Space science and research for free
15. PubMed. gov – Access real scientific research papers
16. Edx. org – Free courses from Harvard MIT and more
17. TED. com – Best ideas from the world's best thinkers
18. Anki – The most powerful memory tool ever built
19. Canva. com – Design anything without being a designer
20. Skillshare. com – Creative and practical skill learning
21. Readwise. io – Remember everything you ever read
22. Google Scholar – Search real academic papers
23. Codecademy. com – Learn to code completely free
24. ChatGPT – AI tutor available 24 hours a day
25. Figma. com – Learn professional design for free
26. Replit. com – Code anything from your browser
27. Huberman Lab Podcast – Science based health education
28. Mindmeister. com – Mind mapping for better thinking
29. NerdWallet. com – Personal finance made simple
30. Quizlet. com – Study smarter with flashcards
31. Gapminder. org – See the real state of the world
32. PhET Simulations – Interactive science experiments online
33. Numbeo. com – Cost of living data for every city on earth
34. 23andMe. com – Understand your own genetics
35. Zapier. com – Automate your work without coding
36. Lesswrong. com – Deep rational thinking and decision making
37. Documentaryheaven. com – Thousands of free documentaries
38. Trading Economics – Economic data for every country
39. Perplexity. ai – AI powered research tool
40. Stanford Encyclopedia of Philosophy – Every philosophical idea explained
41. Librivox. org – Free audiobooks of classic literature
42. Zooniverse. org – Participate in real scientific research
43. Futurelearn. com – Free short courses from top universities
44. Typing. com – Learn to type properly and fast
45. Drawabox. com – Learn to draw from absolute scratch
46. Grammarly. com – Write better in every situation
47. Khanacademy. org – Free world class education for everyone
48. Desmos. com – The most powerful free graphing calculator
49. Stellarium. org – Explore the night sky from your screen
50. Psychologytoday. com – Mental health and psychology explained
51. Worldometers. info – Real time global statistics on everything
52. Notion. so/ templates – Free templates to organise your entire life

[JOSH ehbookah @Ehbookah_]

@officialABAT No be even you write this long epistle na wetin dey pain cuz you no sabi anything dull head

[Jesse Ozone @Jessseglee]

Balance your picks.

Stability: MTNN, Dangote Cement, BUA Cement.
Income: Zenith Bank, GTCO, First Bank.
Growth: Seplat, Aradel.

[JOSH ehbookah @Ehbookah_]

@TomolaGroup I am serious to join your community @TomolaGroup

[Instablog9ja @instablog9ja]

Repost if you believe 🙏

[JOSH ehbookah @Ehbookah_]

@BestofDem_szn Hello

[Global Statistics @Globalstats11]

Top 50 Assets in the World 💰

1. 🏠 Real Estate - $674.05 Trillion
2. 🛢️ Oil - $153.19 Trillion
3. 🇨🇳 Chinese Yuan - $50.49 Trillion
4. 🪙 Gold - $34.91 Trillion
5. 🇺🇸 U.S. Dollar - $22.44 Trillion
6. 🇪🇺 Euro - $18.81 Trillion
7. 🧱 Copper - $16.95 Trillion
8. 🔥 Natural Gas - $9.96 Trillion
9. 🇯🇵 Japanese Yen - $8.09 Trillion
10. 🥈 Silver - $4.97 Trillion
11. 🇺🇸 NVIDIA - $4.49 Trillion
12. 🇬🇧 British Pound - $4.27 Trillion
13. 🇺🇸 Apple - $3.83 Trillion
14. 🇺🇸 Alphabet - $3.71 Trillion
15. 🇰🇷 Korean Won - $3.08 Trillion
16. 🇺🇸 Microsoft - $3.01 Trillion
17. 🇭🇰 Hong Kong Dollar - $2.63 Trillion
18. 🇦🇺 Australian Dollar - $2.39 Trillion
19. 🇺🇸 Amazon - $2.30 Trillion
20. 🇹🇼 Taiwan Dollar - $2.13 Trillion
21. 🇨🇦 Canadian Dollar - $2.04 Trillion
22. 🇹🇼 TSMC - $1.80 Trillion
23. 🇸🇦 Aramco - $1.73 Trillion
24. 🇺🇸 META - $1.65 Trillion
25. 🇺🇸 Broadcom - $1.62 Trillion
26. 🇷🇺 Russian Ruble - $1.61 Trillion
27. 🇺🇸 Tesla - $1.49 Trillion
28. 🇧🇷 Brazilian Real - $1.42 Trillion
29. 🇨🇭 Swiss Franc - $1.41 Trillion
30. 🧡 Bitcoin - $1.39 Trillion
31. 🇺🇸 Berkshire Hathaway - $1.06 Trillion
32. 🇺🇸 Walmart - $997.56 Billion
33. 🇲🇽 Mexican Peso - $933.86 Billion
34. 🇺🇸 Eli Lilly & Co - $896.22 Billion
35. 🇰🇷 Samsung - $865.86 Billion
36. 🇮🇳 Indian Rupee - $791.00 Billion
37. 🇺🇸 JP Morgan Chase & Co. - $778.71 Billion
38. 🇸🇦 Saudi Arabian Riyal - $766.45 Billion
39. 🇵🇱 Polish Zloty - $735.63 Billion
40. 💍 Platinum - $708.44 Billion
41. 🇸🇬 Singaporean Dollar - $688.29 Billion
42. 🇨🇳 Tencent - $638.25 Billion
43. 🇺🇸 Exxon Mobil - $617.22 Billion
44. 🇺🇸 Visa - $606.23 Billion
45. 🇺🇸 Johnson & Johnson - $587.31 Billion
46. 🇹🇷 Turkish Lira - $581.58 Billion
47. 🇸🇪 Swedish Krona - $561.53 Billion
48. 🇳🇱 ASML Holding N.V. - $543.20 Billion
49. 🇮🇱 Israeli New Shekel - $477.46 Billion
50. 🇺🇸 Mastercard - $459.35 Billion

Note: Commodities and currencies are estimates.

Source: AssetMarketCap

[JOSH ehbookah @Ehbookah_]

@CFC_OBED Chelsea
I fucking got itttttttt

[Jane Chelsea @CFC_Jane]

Repost if your team has won all 5.

[Sir Nelson @Crypto_Diet]

Key Differences of STOCKS APPS at a Glance 🇳🇬

1. Bamboo , best for Beginners & U.S. stocks

2. Trove for Advanced traders

3. Chaka for Simple NGX + U.S.

4. Risevest for Long-term wealth

5. Afrinvest for Professional trading

6. Meritrade for NGX traders

7. Cowrywise for Passive investing

8. ARM One for Mixed investments.

Which among these are you using and do you recommend?

[Felix @felixherbt]

In case you have forgotten,
here is a quick reminder:

Goodluck Jonathan:
$1 = N160, Fuel N87, Rice N8k

Buhari:
$1 = N460, Fuel N185, Rice N35k

Bola Tinubu:
$1 = N1,500+, Fuel N1,000, Rice N80k+

If you’re not an enemy of your own country, why would you support Tinubu's re-election in 2027?