Daibi George

Mindset||Financial intelligence||Environmentalist||Content developer||Tech Enthusiast😆😈

[Daibi George @Elgroove]

Whatever is not sustainable is not worth starting-Joshua Joseph

[RANTS OF A NAIJA BOY @OfficialZidge]

My advice to BUA

[Arti Shah @TechByArti]

IF YOU DIED TOMORROW, YOUR FAMILY WOULDN'T BE ABLE TO ACCESS A SINGLE THING YOU OWN DIGITALLY.

BANK ACCOUNTS. PASSWORDS. CLOUD STORAGE. ALL OF IT PERMANENTLY LOCKED AWAY.

HERE'S HOW TO FIX IT IN 30 MINUTES:

[Daibi George @Elgroove]

@Mr_Ellyy Yahoo boy dn dy work on you ohh

[Epic scenes 🎬 @Epicscenes02]

Top 4 movies to watch alone.

Not for kids..🔞

[Barbara Oneill @BarbaraOneillAU]

DON'T take a blood pressure pill every single day!

Five foods in your kitchen do the exact same thing.

And they do it without the side effects.

Here is the breakdown of natural medicine:

[Dr. Biohacker @Dr_Biohacker]

You die when your heart stops all of a sudden.

These 3 simple fixes makes your heart 20 years younger:

[Compounding Naira @compoundinnaira]

You can use dividends paying companies as sponsors for your bill payments. Here is an example,

Assuming your Netflix subscription is ₦6,500/month, this translates to ₦80,000/year. To cover this bill forever, you’ll need around ₦780,000 invested in Zenith to cover Netflix subscription forever.

The math is easy, (₦6,500 × 12 = ₦78,000, then multiple that by 10% to get your yield (₦780,000).

You don’t have to invest the whole amount at a go, you can slowly build this and let time help you achieve your goals as well.

Passive income > monthly billing

[Toby @TomolaGroup]

A man wants to sell his shop. It makes ₦2m profit every year. He is asking ₦10m.

You are paying five years of profit to own it. That is a P/E of 5.

Another shop makes the same ₦2m. That owner wants ₦40m. P/E of 20. You wait twenty years to recover your money.

Same profit. Different price.

That is all a P/E ratio means.

Nigerian banks have spent years trading around 2 to 4. Two to four years of profit to own a bank.

[Stoic Men @stoicmen_]

14 HARVARD TECHNIQUES to be better than 99% of the world

1. The 5 - second rule

[Lorenzo Rossi @mind_and_beauty]

High cortisol is aging you faster than cigarettes or vapes.

Gray hair, poor sleep, slow recovery, dull drive.

Here are 14 natural ways to bring it down and slow the clock:

1. Saunas.

[SAFO NYAME HERBAL THERAPEUTICS @safonyameherbal]

Bro to bro

This is all you need to stay strong and hard naturally!

Ginger➕bitter kola ➡️delays ejaculation

Ginger ➕garlic➕cloves➡️maintains erection

Ginger➕cloves ➡️supports morning erection.

Ginger ➕garlic ➡️enhance circulation to the penis.

Pineapple➕water melon➡️builds testosterone levels

Ginseng roots➡️eliminates all forms of erectile dysfunction

Tell a bro🔂

[The Wolf Of #ALTCOINS @EnekemG]

As a founder, If you’re raising venture capital, sitting in board meetings, or speaking with institutional investors, there are about 30-40 business terms you should know cold. I have been doing this for more than 10years so these are the ones that matter.

⸻

1. WACC — Weighted Average Cost of Capital
This is one of the most important concepts in corporate finance.
Meaning
The average cost of every dollar the company uses to finance itself.
Money isn’t free.
A company can obtain money from:
Equity (selling shares)
Debt (bank loans, bonds)
Each has a cost.
WACC combines both.
Example:
You need ₦100 million.
You raise
₦60m from investors
₦40m from the bank
Investor expects 20% return.
Bank charges 10% interest.
Your WACC is
(60% × 20%) + (40% × 10%)
= 12% + 4%
= 16%
Meaning:
Every project you invest in should ideally earn more than 16%.
If not, you’re destroying value.

⸻

Why VCs care
Suppose you tell a VC
“Our expansion will generate 8% yearly.”
If your WACC is 16%
The VC thinks
“Why are you investing in something earning less than your cost of capital?”
Bad management.

⸻

2. CAC — Customer Acquisition Cost
One of the first numbers investors ask.
Formula
CAC = Marketing Spend ÷ Customers Acquired
Example
You spend
₦5 million on ads
Acquire
500 customers
CAC
= ₦10,000
Meaning
It costs you ₦10k to get one customer.

⸻

3. LTV — Lifetime Value
How much one customer generates before leaving.
Example
Customer pays
₦10,000/month
Average customer stays
36 months
Revenue
= ₦360,000
Gross margin
70%
LTV
≈ ₦252,000

⸻

Investors love
LTV : CAC
If
LTV = ₦250k
CAC = ₦10k
Ratio
25:1
Fantastic.
Generally:
Below 1:1 → Losing money
Around 3:1 → Healthy
5:1+ → Excellent (assuming the numbers are sustainable)

⸻

4. Burn Rate
How fast you’re spending money.
Example
Cash in bank
₦120m
Monthly expenses
₦10m
Burn rate
₦10m/month

⸻

5. Runway
How long before you run out of cash.
Cash
₦120m
Burn
₦10m/month
Runway
12 months
VCs almost always ask
“How much runway do you have?”

⸻

6. EBITDA
Earnings Before Interest, Taxes, Depreciation and Amortisation
Measures operating profitability before financing and certain accounting charges.
Think of it as
“How much does the business generate from operations?”
Very common in acquisitions.

⸻

7. ARR
Annual Recurring Revenue.
Critical for SaaS.
Monthly subscriptions
₦2m
ARR
₦24m
Investors love growing ARR.

⸻

8. MRR
Monthly Recurring Revenue.
If subscriptions
₦500k
Next month
₦700k
MRR increased.

⸻

9. Gross Margin
How much remains after direct costs.
Example
Revenue
₦100m
Cost to deliver
₦30m
Gross margin
70%
High gross margins usually make companies more scalable.

⸻

10. EBITDA Margin
EBITDA ÷ Revenue
Shows operational efficiency.

⸻

11. ROI
Return on Investment.
Simple.
Invest
₦1m
Earn
₦1.5m
ROI
50%

⸻

12. IRR
Internal Rate of Return.
Measures the annualised return of an investment over time.
Private equity firms use this constantly.
Higher IRR = better investment.

⸻

13. NPV
Net Present Value.
Money today is worth more than money tomorrow.
NPV discounts future cash flows to today’s value.
Positive NPV
Good investment.
Negative
Reject.

⸻

14. Cap Table
Capitalisation Table.
Shows
Founders
Investors
Employee stock options
Ownership percentages
Every startup should have one.

⸻

15. Dilution
Every fundraising round usually reduces existing shareholders’ percentage ownership.
Example
You own
100%
Raise investment
Now own
80%
You’ve been diluted.

⸻

16. Valuation
What the company is worth.
Pre-money
Value before investment.
Post-money
Value after investment.
Example
Company worth
₦900m
Investor puts
₦100m
Post-money valuation
₦1 billion
Investor owns
10%

⸻

17. TAM
Total Addressable Market.
Entire possible market.
Example
Nigeria spends
₦5 trillion yearly on facilities management.
TAM
₦5 trillion.

⸻

[Dan Cole @CoachDanCole_]

A Stanford neuroscientist once said:

"Your belly is storing Cortisol waste. Melt it with this One habit before you sleep.. And your life will change."

This is the 9 minute fix:

[Ábris Babicz | The Demi Cycle Protocol 🧬 @AbrisGains]

Cutting fat and red meat won't fix your heart.

High blood sugar is what makes cholesterol clog your arteries in the first place.

Here are 8 science-backed hacks to lower blood sugar naturally: 🧵

1. Eat more cinnamon (the right type)

[Matthew LaBosco @matthew_labosco]

High cortisol is the real reason you wake up at 3-4 AM.

It also shaves 5 years off your life — tanks testosterone, locks belly fat, literally shrinks your brain.

If I wanted to fix it without medication, here are 8 things I'd do every day:

1. No food 3 hours before bed.

[Giovanni Ifedi-Williams @TheGiovannis]

These Police Officers just parked me at Bolade, Oshodi, pointed guns at me, and forced me to transfer N100,000 them. When my bank app showed "exceeded transfer limit", they dragged me to a nearby POS to do it with my card.

They initially demanded 150k each.
They were 4 in number.

These are the names I could copy:
Francis Adekunle
2087495551
Kuda

Friday Ikpe
9136237110
Okay

This is the phone number of the notorious Officer Friday Ikpe 09136237110. I got it from his opay

@PoliceNG @BenHundeyin @Princemoye1

Please my mutuals, if you see this on your TL, help repost or tag other relevant authorities until these criminals are apprehended.

[Simons @Simon_Ingari]

Resignation Letter.

🥉 Low level
❌ “Thank you for the opportunity.”
❌ “It was good working with you.”
❌ “I had a good working environment.”
❌ “I resigned honorably.”
❌ “I leave on good terms.”
❌ “I enjoyed my time at the company.”

🥇 High-Level ↓↓↓

[Daibi George @Elgroove]

@MrCharlesky Send details

[Daibi George @Elgroove]

@MrCharlesky Yes