Kaptain

Igbotic || Graphic designer 🎨 || liverpool ♥️

#EndSars

[PortHarcourt Sailor @GodsgreatG]

Let me give you two instances, and as someone in the maritime industry, I’ve seen this firsthand:

Do you know why international-going ships don’t take bunkers (buying HFO—heavy fuel oil or MGO—marine gas oil) from Nigeria when they visit our ports? Instead, they sail to places like Gabon, Ivory Coast, Senegal, or Europe to buy. It’s because when they buy from Nigerian vendors, the fuel is often mixed with water and other liquids just to pad the volume. And this isn’t good for the ship engines.

Now let’s talk about ship chandlers who supply provisions, particularly food. If you order 200kg of garri or goat meat for instance, they’ll bring 150kg and invoice you for 200kg, hoping you won’t bother weighing it because it’s a vessel and time is tight.

This isn’t about de-marketing Nigeria; this is simply the reality of what they do.

[Itsede Okhai @Senior_Sley]

The most powerful bank in southeastern Nigeria doesn't have a building, an app, or a CEO. Yet it decides who gets credit, and who never will again.

In the noisy, chaotic lanes of Onitsha Main Market or Ariaria in Aba, a trader hands a customer two bundles of lace, or a cartoon of expensive phones, or bags of rice without taking a single naira upfront.

No contract is signed. No identity card is photocopied. No credit score is pulled from a database.

The trader simply write it down in a paper, hands over the goods, and says, "When you pay, you collect more."

To an outsider, this looks like a risky, casual favor between friends—a recipe for catastrophic business losses in a country where formal banks demand collateral, land titles, and verified addresses just to issue a minor loan.

In reality, it is one of the most efficient micro-credit mechanisms in urban African retail, commonly practiced across eastern Nigeria.

Inside the market, it operates as a sophisticated, unwritten credit engine. It allows small retailers, roadside vendors, and regular household buyers to clear inventory and stock their shelves on zero-capital terms.

The entire system runs on a resource far more expensive than paper: accumulated social reputation.

Inside an Igbo market, space is not just physical; it is institutional. Every trader belongs to a line, a section, and a market union. Everyone knows who trained under whom, who owns the shop next door, and where every member's village compound lies.

When a trader extends credit under this framework, they are not guessing whether you will pay. They are betting on the total value of your presence inside that economic network.

If a buyer defaults on a formal bank loan, the bank hires a debt collector or writes off the loss. If a trader defaults on this scheme, the consequences are immediate and total.

The news moves down the market line in minutes. The defaulter is not just sued; they are economically erased. No other merchant will hand them goods on credit. Their suppliers cut them off. Their market union steps in to seize inventory or audit their shop.

In a high-velocity cash economy where daily survival depends on constant inventory turnover, losing your credit standing inside the market is equivalent to business execution.

Paperwork can be forged, and formal contracts can be tied up in court for years. But a merchant’s memory, backed by the collective surveillance of five thousand neighboring shopkeepers, almost never fails.

That is why the trader does not need to write your name in a formal ledger. The ledger is the market itself.

By replacing expensive legal enforcement with community-enforced reputation, Igbo traders solved a problem that modern financial institutions still struggle with: how to extend short-term credit to micro-businesses without dying from administrative costs or defaults.

Your trader remembers what you owe without writing it anywhere formal. That's a credit system running on memory and reputation instead of a ledger.

#ObaJi #HumanStories #StoriesWeCarry

[Alex Onyia @winexviv]

I've spent the last several months researching, travelling, and studying why countries like Singapore, Netherlands, United Kingdom, Canada and Finland built some of the world's best public education systems.

One thing became clear:

Nigeria doesn't just have an education problem. We have a school management problem.

Today, I'm releasing a white paper that proposes a new way to transform our public schools, keeping them publicly owned while introducing world-class management and accountability.

This isn't about politics.

It's about giving every Nigerian child the opportunity to attend a world-class public school.

I hope this sparks one of the most important conversations our country has had about education.

Read it. Criticise it. Improve it. Share it.

If we get education right, we change Nigeria.

Here is the link https://t.co/EViU52FKFi

[Kaptain @kaptain_stephen]

You guys should read up on the Goiânia accident in Brazil that happened in 1987. Cases like this must be treated by the government with the utmost caution and care. We do not know if this is industrial waste, and if it is, the extent of the damage it could cause remains unknown.

[Usbil @usbil01]

“Today I visited the cloud falling site along the Abuja–Kaduna Road.”

—Today, I had the opportunity to visit the location where the viral cloud falling video was reportedly recorded along the Abuja–Kaduna Road. Seeing the area in person was both surprising and fascinating.😳😂

[movie tweets @lauren_w67]

This was such a good show, I wish they’d bring it back

[Kalu Aja @FinPlanKaluAja1]

The AMEX black card

1. Invitation only, you can't apply for one

2. $10,000 initiation fee and a $5,000 annual fee

3. No limit. You could buy a private jet with it

[Cowrywise @cowrywise]

A windfall is not automatically wealth. It only becomes wealth when it starts protecting you, paying you, and improving your ability to earn.

If you somehow find yourself with ₦20M, ₦100M, ₦1.4B or any amount of money you've never received as a lump sum before, your job is simple:

Make sure no one in your bloodline ever has to ask this question again.

Do not just spend it. Convert it into a system.

Here's how to think about it🧵

[kayz3d @kay_z67]

"How did your money finish?" Is such a triggering question to ask me in this tinubu regime.

[Kaptain @kaptain_stephen]

@hmmbb00 @Ariwodo_ Share code please

[Kaptain @kaptain_stephen]

@TheBestqueenx Happy it wasn't Nigerians, they would have started throwing money around.

[Adeniyi @adebalogunnn]

HELP MY MOTHER WALK AGAIN BY SHARING AND DONATING !!

My mom is about to lose both of her legs to amputation. She has till month end to get the surgery on both legs.

Please help save my mom and give her back the chance to walk. We need a miracle right now. Please Help

[Big Smoke - @Skepta]

How much suffering is enough? @officialABAT

[Kaptain @kaptain_stephen]

Sometimes leave that relationship abeg. PSG and Mbappé are proof. They finally separated, and PSG started collecting Champions League trophies like souvenirs. Some people are your history, not your destiny. 😭🏆🔥

[Ewgi @Ssaasquatch]

Haven’t shared this before, but a lot of people ask me how I do it, so here goes:

Long-dated options, or LEAPS, are a powerful way to aggressively compound portfolio gains if you have high conviction about the future price of a stock. I have personally made a lot of money doing this. Yes it works!

LEAPS gives you opportunity to control at least 100 shares of a stock without owning them. I use this mostly for swing trades I plan to dump in <1 year or two. No point doing this for long term holds.

Eg: A stock trades at $10 and you believe it can hit $20 within a year, Instead of spending $1,000 to buy 100 shares, you buy 3 call contracts with $11 strike (will explain this later), expiring roughly a year from now. Some people do short dated ones too. That’s fine as look as it’s not too short. You need time for your thesis to play out. Avoid ODTEs if you know what’s good for you except you’re an idiot.

Assume premium is say $3 per share? Each contract would cost: $3 x 100 = $300. 3 contracts would cost: $300 x 3 = $900. Total cost = $900

Now suppose the stock doubles to $20 in one year, just as you projected.

Each contract is now worth:

($20 - $11) x 100 = $900. Meaning 3 contracts you bought would be worth $2700

Summary:
Initial cost: $900
Final value: $2700
Profit: $1800

Assuming you bought the stock outright:
100 shares at $10= $1k. If the stock goes to $20, your shares are worth $2k. Profit: $1k.
In other words, LEAPS compounded your returns with lesser capital and vice versa.

Are there risks involved ? Of course. A lot of risk.

If the stock does not rerate meaningfully higher, you can lose most or all of your capital.

A wise man once said, “Leverage is for idiots.” and he wasn’t exactly wrong.

This isn’t something you YOLO, and definitely not with a large chunk of your port. I personally never risk more than 10% of my port (Okay fine, I’m lying. It goes as high as 20% sometimes)

You only use LEAPS when your conviction is extremely high and you believe the stock can rerate aggressively to the upside.

Now here’s the real alpha:

How do you manage risk and find the right stock for this kind of bet?

This is the filter that has consistently worked for me:

1. I like beaten down assets with improving business margins ie Growing revs & bottom line, positive or improving EBITDA (adj), and a low D/E ratio.

On the technical side, the stock should be trading within say 10% of their 52-week low, RSI below 40, and sitting on key support across all long timeframes.

The goal is to always find a mispriced asset, not to catch a falling knife.

2. Buy around 10% OTM strikes ie If a stock is at $10, I’m looking around the $11 strike.

That way, the stock only needs to move above the strike plus the premium paid for the trade to become profitable. If you buy very far OTM strikes, you can still lose money even if the stock moves meaningfully higher. This is essentially baba ijebu.

3. Theres no point holding the contract into the final 60 days unless it is already deep ITM and you are comfortably profitable. Read up about something called thetas and option decays.
At that point, either sell it, roll it, convert to shares, or take the loss on the chin. You live to fight another day.

4. Only buy LEAPS when implied volatility is low cos Low IV = cheaper premium. Thats when LEAPS make the most sense cos you don’t want to overpay for optionality, then be directionally right and still get hurt cos IV compresses.

My current LEAPS:

$HIMS
$SOFI

As always, This is not financial advice. Just sharing what works for me.

There are tons of tutorials on YouTube that explain the mechanics better, but take this as a primer.

You’re welcome :)

[King Phelz @KingPhelz]

1- Download the Telegram App
2- Create a private group
3- Remove everyone except yourself
4- Post and save whatever you want
5- If lose your phone, you go there and you download everything again

Unlimited Cloud Storage Without Paying

[osama ✰ @realwolog]

you understand?

[Iyke @currentiyke]

What phone camera is this?

[RedAlways @PATRIOT2117]

After getting Pope Francis's luggage loaded into the limo, the driver notices the Pope is still standing on the curb.

“Excuse me, Your Holiness,” says the driver, “Would you please take your seat so we can leave?”

“Well, to tell you the truth,” says the Pope, “They never let me drive at the Vatican, and I'd really like to drive today.”

"I'm sorry, Your Holiness, but I cannot let you do that. I'd lose my job! What if something should happen?!” protests the driver, wishing he'd never gone to work that morning.

“Who's going to tell?” says the Pope with a smile.

Reluctantly, the driver gets in the back as the Pope climbs in behind the wheel. The driver quickly regrets his decision when, after exiting the airport, the Pontiff floors it, accelerating the limo to 205 km.

"Please slow down, Your Holiness," pleads the worried driver, but the Pope keeps the pedal to the metal until they hear sirens.

"Oh, dear God, I'm going to lose my license -- and my job!” moans the driver.

The Pope pulls over and rolls down the window as the cop approaches, but the cop takes one look at him, goes back to his motorcycle, and gets on the radio.

“I need to talk to the Chief,” he says to the dispatcher.

The Chief gets on the radio and the cop tells him that he's stopped a limo going 205 kph.
“So bust him,” says the Chief.

“I don't think we want to do that. He's really important,” said the cop.

The Chief exclaimed, “All the more reason!”

“No, I mean really important,”said the cop with a bit of persistence.

The Chief then asked, “Who do you have there, the mayor?”

Cop: “Bigger.”

Chief: “A senator?”

Cop: “Bigger.”

Chief: “The President?”

Cop: “Bigger.”

“Well,” said the Chief, “who is it?”

Cop: “I think it's God!”

The Chief is even more puzzled and curious, “What makes you think it's God?”

Cop: “His chauffeur is the Pope!”

[EBIDOWEI GLOFAME® @Glofame1]

It was around 2016 I was going to PH from Ughelli when we met the RAPID RESPONSE TEAM (RRT) on a stop &amp; search.

They were searching &amp; when it was turn I said I will search myself they should not put their hands in my bag &amp; pocket.

Officer got furious, asked who I was, I told

[Kaptain @kaptain_stephen]

Be like na former F1 drivers dey drive Dangote refinery tankers cus Omo eh