This 2-hour Stanford lecture breaks down how models like ChatGPT and Claude are actually built, clearer than what many people in top AI roles ever get exposed to.
Save this and set aside two hours today. It might end up being the most valuable thing you learn all week.
Learned something new about money today 📍📍
If you make your first GH₵150,000 and plan to buy your first car, here's a smart move instead of paying cash upfront:
1. Deposit the full GH₵150,000 into your bank account.
2. Use that deposit as collateral to secure a car loan from the same bank (many Ghanaian banks allow this for fixed deposits or similar assets).
3. Take the loan to buy the car outright.
4. Spread loan repayments over 5 years or more (negotiate with your bank).
Your original GH₵150k stays in the account, accessible and earning interest. Invest it wisely in a low-effort way:
- Do Lazy man's investment: Treasury Bills
Split the GH₵150k into three parts (GH₵50k each).
Invest GH₵50k each month for 3 months in 91-day Treasury Bills (current rates ~9.9–10% as of Feb 2026).
Roll over (reinvest) principal every 3 months.
Right after the third month of your investment, you will get GHc3000 interest every month thus based on the current interest rate. Use the interest to service the loan every month till you finish settling the loan.
In theory, you would end up with both the car and your original money - essentially getting the car "for free".
Reality check (Feb 2026 rates):
- 91-day T-bills: ~9.9–10%
- Car loans: Typically higher (often 15–25%+ effective rate).
It works best if your loan rate is low (thanks to collateral) and you roll T-bills diligently.
🚗💰
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📍 How a GH₵3,000 salary can turn into real investments🇬🇭🔥
Instead of lifestyle inflation, build assets.
Invest: GH₵700 every month into Ghana stocks🇬🇭
Total invested in 5 years:
GH₵700 × 60 = GH₵42,000 💰
Now assume a very strong growth period:
~3% average monthly return (not guaranteed)
Using compounding:
📊 Future value after 5 years:
≈ GH₵114,000+
Your money: GH₵42,000
Growth: ~ GH₵72,000
That’s money working while you work.
No hype.
No “quick money.”
Just income → assets → compounding ⏳📈
I share insights on 🇬🇭 & 🇺🇸 stocks and simple long-term investing.
Admission Opening Alert
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✅Scholarship
✅3rd class & Hnd
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Nova 🇨🇦 Scotia Nominee Program is currently ongoing.
The Nova Scotia Nominee Program is designed for individual prospective immigrants who have the skills and experience targeted by the province of Nova Scotia.
Gather your documents and submit your application.
Link below 👇
https://t.co/tdq1od81dJ
If I have to die to experience heaven I don't need that religion. It's a mental slavery at its peak. And they are building heaven and living it on earth with our resources.
🚨 The province of Newfoundland & Labrador, Canada 🇨🇦 is holding a virtual job recruitment & immigration fair for those interested in living and working in the province.
The event is on February 11, 2026
If you’re interested, sign up at
https://t.co/YAVTjuzK5u
🚨 BREAKING: The province of Newfoundland & Labrador, Canada 🇨🇦 is holding a virtual job recruitment & immigration fair for those interested in living and working in the province.
The event is on February 11, 2026
If you’re interested, sign up at https://t.co/04qGO1wg1A