1. Do not rent a house close to a church, mosque, or school. You’ll regret it if you do.
2. The first red flag when you are house hunting is if the landlord/landlady lives in the compound. Abort mission.
3. The best time to house hunt is during the rainy season. It helps you avoid places that are prone to flooding and erosion.
4. The kind of people who live in the compound, street, or estate is very important. It is best to live among married or family people. This will save you from trouble. I’ll not explain further.
5. Check for proximity to a standard gym, supermarket, pharmacy, filling station, hospital/clinic, and police station.
6. Any house that is asking for two years’ rent upwards is a red flag. They’ll most likely serve you a quit notice after those two years so they can rent it out to someone who will pay two years’ rent and pay all the caution fees you paid.
7. Check how frequently they bring light in that area. Don’t ask the house agent or tenants. Ask those shop owners and children on that street. They’ll tell you the truth.
8. Always ask and check if the last occupant of the house is owing light bills. If you don’t, you’ll end up paying for light that you didn’t use.
9. Check for network. Do not rent a house where you have to go to your kitchen before you can have access to good network.
10. Take your time. If it is going to take you six months to find a house of your taste and budget, then wait and keep searching. Never pay for a house in a haste or out of desperation.
11. If it is not a new house, do your findings to know why the last tenant of the apartment you want to rent packed out.
12. Ask about their policies. Do they allow generators? Do they lock the gate too early? Do they rent out apartments to people with questionable characters, occupations, etc.? These are red flags that may land you in trouble if you ignore them.
20 apps that you should have on your phone and why you need them.
Go to Google Play Store or the App Store and download any you do not already have:
1. Cowrywise: for investing in mutual funds and Treasury Bills. Very easy to use and you can start with as little as 100 naira.
2. Risevest: for investing in dollar assets. Protects your money from naira devaluation and pays returns in dollars.
3. Kaggle: for learning data analysis and machine learning for free using real datasets.
4. Grey: for opening a dollar account from your phone in minutes. Comes with a virtual Visa card that works internationally.
5. Chipper Cash: for sending money across Africa and paying for international subscriptions with a virtual dollar card.
6. Microsoft Excel: for organizing data, building budgets, and tracking finances. One of the most in-demand professional skills in the world.
7. Google Authenticator: for two-factor authentication. Protects your accounts from hackers. Non-negotiable in 2026.
8. PiggyVest: for saving and locking funds. Helps you build financial discipline and earn returns on your savings.
9. Notion: for organizing your goals, tasks, notes, and plans in one place. Free and very powerful.
10. Canva: for designing graphics, flyers, social media posts, and presentations from your phone. Free to use.
11. ChatGPT: for research, writing, problem-solving, and learning. One of the most useful AI tools available right now.
12. Grammarly: for checking your grammar and improving your writing in real time. Free and works across all apps.
13. Google Drive: for storing and accessing your documents from anywhere. 15GB free storage.
14. Duolingo: for learning a new language for free. Consistent daily practice on this app can get you conversational in 6 to 12 months.
15. Bitwarden: for storing and managing your passwords securely. Free and far safer than using the same password everywhere.
16. Coursera: for auditing university-level courses from Google, Stanford, and Yale for free.
17. LinkedIn: for building your professional profile, networking, and applying for remote jobs.
18. Google Maps: for navigation, finding businesses, and exploring new areas. Works offline too.
19. Proton VPN: for protecting your internet connection and privacy especially on public Wi-Fi. Free plan available.
20. TryHackMe: for learning cybersecurity from scratch through fun, hands-on challenges. Free to start.
Your phone is one of the most powerful tools you own. Start using it like it is.
Above all, love God.
Win 200M, put am for safelock for the next 365 days collect 40M naira gross upfront interest, use that one guide, pay your rent, flex/sort yourself and family. Rinse and repeat after 365 days. One of the many ways to play it the right way.
Let us talk about kidney failure in Nigeria.
A dialysis session costs between ₦50,000 and ₦100,000. You need three a week. That is about ₦600,000 a month.
And the money is just buying you time. Nobody is getting a cure at the end of ₦600,000 a month. 🧵
As a young person in their 20’s trying to figure it out.. Tech skill alone won’t make you rich anymore.
If you want to build wealth, carefully learn these 5 basic skills: