therealdeal

#billionaire_ambitions #CFC

[Oloye. @Ol0ye]

The Federal govt has cut import duty on car imports from 15% to 5% is what the news said.

If they can grossly misrepresent something we can easily fact check, I wonder what else they are lying about.

Car prices are not coming down because the govt cut import duties.

Here are the facts.

[Àgbà John Doe @jon_d_doe]

If you have been sexually active in your relationship, and your girlfriend tells you that she wants you guys to stop the sex until marriage.

Please do not accept it.

Tell her that it's either the sex continues or the relationship is over.

Women love sex.

If she's no longer giving it to you, she's most likely giving it to someone else.

That's asides cheating as well.

Because single women cheat far more than single men.

End.

[therealdeal @mrjagz02]

@Nancyodije Congratulations

[𝗝𝗼𝗵𝗻𝘀𝗼𝗻 𝗔𝗹𝗮𝗯𝗶 @Sir_Rexpect]

Europe
1. Chevening Scholarship: fully funded Master's in United Kingdom. Full tuition. Deadline: August-November (Annual). https://t.co/i26BkJHS3x
2. Commonwealth Master's Scholarship: fully funded Master's in United Kingdom. Full tuition. Deadline: October (Annual). https://t.co/t9BIpjzNr0
3. Commonwealth PhD Scholarship: fully funded PhD in United Kingdom. Full tuition. Deadline: October (Annual). https://t.co/kTtvKEqodp
4. Commonwealth Shared Scholarship: fully funded Master's in United Kingdom. Full tuition. Deadline: December (Annual). https://t.co/I0p4pUQgEC
5. DAAD EPOS Scholarship: fully funded Master's/PhD in Germany. Full tuition. Deadline: Varies by program (Sep-Dec). https://t.co/ittMzc0xVp
6. DAAD Research Grants: fully funded PhD/Research in Germany. €1,350-1,500/month. Deadline: October (Annual). https://t.co/dcMUKjwLAR
7. Heinrich Boll Foundation Scholarship: fully funded Master's/PhD in Germany. Full tuition. Deadline: March/September. https://t.co/2T8fMaRs0n
8. Erasmus Mundus Joint Masters: fully funded Master's in Multiple EU. Full tuition. Deadline: January-February (Annual). https://t.co/717rCUh004
9. Eiffel Excellence Scholarship: fully funded Master's/PhD in France. Monthly allowance €1,181-1,700. Deadline: October-January. https://t.co/MHSNIVssnU
10. French Government Excellence Scholarship: fully funded Master's/PhD in France. Monthly stipend. Deadline: Varies by country. https://t.co/9zA7150uue
11. Swiss Government Excellence Scholarship: fully funded PhD/Postdoc/Research in Switzerland. CHF 1,920-3,500/month. Deadline: September-December. https://t.co/xMHzRNobzI
12. Italian Government MAECI Scholarship: fully funded Master's/PhD in Italy. €9,000 grant. Deadline: March 26 (Annual). https://t.co/nUuGBAFmeQ
13. Stipendium Hungaricum: fully funded Bachelor's/Master's/PhD in Hungary. Full tuition. Deadline: January 15 (Annual). https://t.co/4WpPP0K5FK
14. Poland Stefan Banach NAWA: fully funded Master's in Poland. Full tuition. Deadline: March-April. https://t.co/aumJskH4Me
15. Swedish Institute Scholarship (SISGP): fully funded Master's in Sweden. Full tuition. Deadline: February (Annual). https://t.co/D3h4qUi1Fm
16. Czech Government Scholarship: fully funded Master's in Czech Republic. Full tuition. Deadline: September 30. https://t.co/YCaibo6pa2
17. OeAD Austria Scholarship: fully funded Master's/PhD in Austria. Monthly stipend. Deadline: Varies (Feb-Sep). https://t.co/PhWe55Lhve
18. Government of Ireland Scholarship: fully funded Master's/PhD in Ireland. €10,000 stipend. Deadline: March (Annual). https://t.co/OlaTYBCpES
19. Holland Scholarship: fully funded Bachelor's/Master's in Netherlands. €5,000 one-time grant. Deadline: February-May. https://t.co/0KgEZD8dJS
20. Belgium ARES Scholarship: fully funded Master's in Belgium. Full tuition. Deadline: January-February. https://t.co/R4GSiRoR3t
21. Denmark Government Scholarship: fully funded Master's/PhD in Denmark. Full/partial tuition waiver. Deadline: Varies by university. https://t.co/tF6787ssG7
22. Norway Quota Scheme (discontinued): fully funded Master's/PhD in Norway. Varies. Deadline: Discontinued 2023. https://t.co/YfVq4fbIXi
23. Finland EDUFI Fellowship: fully funded Master's/PhD/Postdoc in Finland. €1,500-2,100/month. Deadline: February 1 (Annual). https://t.co/HgkOYPnW5u
24. Spain Government Scholarship: fully funded Bachelor's/Master's/PhD in Spain. Full tuition. Deadline: March-May. https://t.co/mDUfk2ZlMC
25. Portugal FCT Scholarship: fully funded Master's/PhD in Portugal. Monthly stipend. Deadline: Varies by program. https://t.co/puXgpiItI6
26. Greek Government Scholarship: fully funded Bachelor's/Master's/PhD in Greece. Full tuition. Deadline: Varies. https://t.co/IhBCxr7RO4
27. Turkiye Burslari Scholarship: fully funded Bachelor's/Master's/PhD in Turkey. Full tuition. Deadline: February 20 (Annual). https://t.co/dYTZvzY3sD
28. Russian Government Scholarship: fully funded Bachelor's/Master's/PhD in Russia. Full tuition. Deadline: December-January. https://t.co/Pt2r6H4v4Z
29. Romania Government Scholarship: fully funded Bachelor's/Master's/PhD in Romania. Full tuition. Deadline: March 15. https://t.co/A7HBrmzZQO
30. Slovakia National Scholarship: fully funded Master's/PhD/Research in Slovakia. €400-1,500/month depending on level. Deadline: April 30/October 31. https://t.co/N6Wn7gcCnh
31. Croatian Government Scholarship: fully funded Bachelor's/Master's in Croatia. Partial/full tuition waiver. Deadline: Varies. https://t.co/TbOBJEDMkF
32. Bulgaria Government Scholarship: fully funded Bachelor's/Master's/PhD in Bulgaria. Full tuition. Deadline: Varies. https://t.co/CNSI8Fd714
33. Slovenia Zois Scholarship: fully funded Master's/PhD in Slovenia. Full tuition. Deadline: Varies. https://t.co/LMRIDV9rZS
34. Latvia State Scholarship: fully funded Bachelor's/Master's/PhD in Latvia. €130-500/month. Deadline: April 1/October 1. https://t.co/P19mlJ2kM2
35. Lithuania State Scholarship: fully funded Master's/PhD in Lithuania. Monthly stipend. Deadline: Varies. https://t.co/jPjOx9vwtX
36. Estonia Scholarship Program: fully funded Master's/PhD in Estonia. €350-660/month. Deadline: Varies. https://t.co/7HyVzk0VBU
37. Clarendon Fund Scholarship (Oxford): fully funded Master's/PhD in United Kingdom. Full tuition. Deadline: December/January (Annual). https://t.co/eHC5H2yC5k
38. Rhodes Scholarship (Oxford): fully funded Master's/PhD in United Kingdom. Full tuition. Deadline: July-October (varies by country). https://t.co/9hGKUeiOCr
39. Gates Cambridge Scholarship: fully funded Master's/PhD in United Kingdom. Full tuition. Deadline: October/December. https://t.co/s5Y9mYXdJW
40. Cambridge International Scholarship: fully funded PhD in United Kingdom. Full tuition. Deadline: December (Annual). https://t.co/m4SnN3eaOm
41. Oxford Pershing Square Scholarship: fully funded Master's/MBA in United Kingdom. Full tuition. Deadline: January. https://t.co/kwtXMGysCe
42. Warwick Chancellor's Scholarship: fully funded PhD in United Kingdom. Full tuition. Deadline: January. https://t.co/f5VdDhDpod
43. Imperial College PhD Scholarship: fully funded PhD in United Kingdom. Full tuition. Deadline: Varies by department. https://t.co/pyqdOT36qn
44. ETH Zurich Excellence Scholarship: fully funded Master's in Switzerland. CHF 12,000/semester. Deadline: November 30/December 15. https://t.co/kP8noTRNPq
45. EPFL Master Excellence Fellowship: fully funded Master's in Switzerland. CHF 10,000/semester. Deadline: December 15/April 30. https://t.co/iYwStNMCQ8
46. University of Geneva Excellence Fellowship: fully funded Master's in Switzerland. CHF 10,000-15,000/year. Deadline: March 15. https://t.co/KZAXtQCeyi
47. University of Lausanne Master's Grant: fully funded Master's in Switzerland. CHF 1,600/month for 2 years. Deadline: November 1. https://t.co/KuMms3nCBI
48. TU Munich HEIBRiDS Scholarship: fully funded PhD in Germany. Full funding. Deadline: January. https://t.co/NAgK2XfIiy
49. Heidelberg University Scholarship: fully funded PhD in Germany. Full funding. Deadline: Varies. https://t.co/qeUcYAmcRo
50. Humboldt Research Fellowship: fully funded Postdoc in Germany. €3,170-4,465/month. Deadline: Rolling. https://t.co/X34exI2asB

[Xtreme @Afcxtreme]

@FabrizioRomano Incase you don't know him 👇🏽

[Rabiu Musa Kwankwaso @KwankwasoRM]

It was a profound honour to join fellow party members at the special affirmation ceremony of His Excellency, Peter Obi, as the Presidential Candidate of the Nigerian Democratic Congress (NDC) for the 2027 general elections.

I am particularly humbled and deeply honoured by my ratification as the party’s Vice Presidential Candidate.

I extend my sincere gratitude to the National Leader of the NDC, Senator Seriake Dickson, and all other leaders for this bold and visionary decision. It clearly reflects the NDC’s unwavering commitment to national unity, democratic consolidation, and purposeful leadership as we prepare for the 2027 elections. - RMK

[Michael @OladejiTosin15]

Just wrapped up a 4-part IFRS 9 ECL series with a focus on the modelling. Almost 4hrs in all but to follow through with the modeling you probably need at least 8hrs.

Part 1: A brief intro - Classification & Measurement (SPPI, business model assessment, EIR dynamics)
https://t.co/3bkR837xxD

Part 2: ECL framework + EAD Modelling (amortisation profiles, CCF, behavioural assumptions)
https://t.co/vcC7airsu7

Part 3: PD Modelling (Markov Chain, transition matrices, lifetime PD term structure)
https://t.co/7i6MDxjnNI

Part 4: LGD + Full ECL (recoveries, collateral projection etc)
https://t.co/4C3L89lss1

Some snippets 👇

Also used the opportunity to highlight advanced Excel functions like LET, LAMBDA, and SCAN. Worth exploring if you’re into complex modelling.

Of course, it’s almost impossible to cover everything within a limited time. I only just scratch the surface😎.

#IFRS9 #ECL #CreditRisk #Quant

[BSAT Properties @BSAT_Properties]

If you receive an unexpected money from someone you don't know.

And few minutes later someone calls and said:

“It was a mistake. Send it to this account. Keep your percentage.

SEND IT BACK AND TAKE 10% of the money”

DON’T TRY IT.

You have just met money launderers looking for a volunteer.

Don’t transfer anything.

Ask them to get a court order for the bank to reverse it properly.

Still email your bank. Still print the evidence.

If you help them move the money and investigation starts, you will explain tire.

Freedom is more valuable than any “commission/10 percent.”

Greed has sent many people to eat free watery beans in detention.

Not every alert is a blessing. Some alerts are tests.

Be wise.

© Stella Justice Nnennaya

[Ambar @Ambar_SIFF_MRA]

Biology doesn't care about equality.

[CAPTAIN PLANET 4X4 @CAPTAINPLANETGH]

Justice for MEN

[Oreoluwa Bukola, CFA. @BukkyOA]

Do this and promotion will chase you 🔥🔥🔥

[Peter Girnus 🦅 @gothburz]

My manager asked how long it would take to fix the bug.

I said two weeks.

It took forty minutes.

But now I have two weeks of buffer.

That's called experience.

Here's how it works.

Every estimate I give has a multiplier. The multiplier depends on who's asking.

My manager asks: multiply by 4.

A VP asks: multiply by 6.

The CEO asks: multiply by 10 and add "dependencies."

Dependencies are other teams. Other teams are always slow. Even when they're not involved. Especially when they're not involved.

Nobody checks.

The bug took forty minutes. I fixed it Monday morning.

I didn't tell anyone until Thursday afternoon.

That's three days of buffer.

Buffer is protection. Protection from the next ask.

Because the moment you finish something fast, they ask for something else.

Finish the bug in an hour? Great, can you also look at this other thing?

Finish it in two weeks? Great, take the afternoon off. You earned it.

I earned it by lying about how long things take.

That's not how they'd describe it.

They'd call it "managing expectations."

I'm managing expectations.

My expectations are that I don't want to work that hard.

When I was junior, I gave honest estimates.

"That'll take about two hours."

My reward? Four more tasks that day.

Then I watched the senior engineers.

They said "end of week" for everything.

Everything was "end of week."

A config change? End of week.

A one-line fix? End of week.

A meeting that could've been an email? End of week.

They were never stressed.

I was always stressed.

I learned.

Now I'm senior. Now everything is "end of week."

Or "end of sprint."

Sprint is two weeks. Two weeks is forever. Forever is comfortable.

Sometimes someone pushes back.

"Can we do it faster? This is urgent."

I pause. I look concerned.

"Let me see what I can do."

Then I deliver in three days instead of two weeks.

I'm a hero.

I wasn't faster. I was honest about the original timeline.

But the compression makes me look dedicated.

"He really hustled on this one."

I didn't hustle. I just stopped lying for a moment.

Strategic honesty. Delivered at the right time. After enough fake delays.

The best part is nobody tracks this.

Nobody says, "He estimated two weeks but finished in forty minutes."

They say, "He finished ahead of schedule."

Ahead of schedule.

I set the schedule.

I beat the schedule I invented.

That's exceeding expectations.

I'm exceeding expectations.

My performance review says I'm "highly reliable" and "consistently delivers."

I am reliable.

I reliably estimate 10x what things take.

And I consistently deliver.

Right before my fake deadline.

That's called being senior.

New engineers burn out because they're honest.

I padded my way to work-life balance.

My manager asked why I always seem so calm.

I said, "Experience."

Experience means I've learned to lie about time.

Professionally.

With a straight face.

And a buffer that could fit a vacation.

That's engineering.

[Oreoluwa Bukola, CFA. @BukkyOA]

'If it is yours, it will find you' is a dangerous lie.

Opportunity is not a loyal dog that comes home.

It is a passing train.

If you are not on the platform, it will not stop for you.

📌 Opportunity ignores silent doors.

It goes to those with their hands raised, not those with their arms folded.

You must be in position and make your interest known.

Register your ambitions.

📌 If it is yours, it can be stolen and never returned.

That wallet you lost,

Was it not yours?

That phone that got stolen,

Was it not yours?

Blessings are not permanent.

If you don't nurture and protect them, they can vanish and never return.

📌 If it is yours, you can be cheated out of it, and it can be handed off to another.

If you have zero boundaries, if you are too soft, if you don't value yourself, people will cheat you out of opportunities and hand them to someone more assertive.

What is truly yours is what you are willing to work for, fight for, and recover if lost.

Faith without works is just wishful thinking.

Go be fantastic today.

[Àgbà John Doe @jon_d_doe]

Please spend 12 minutes of your time to watch this video.

You'd be glad that you did.

This man is me.

Credit:Sharnyandjulius on IG.

[Oreoluwa Bukola, CFA. @BukkyOA]

One of the best career advice I can give you 👇🏾

[Michael Taiwo @AskMichaelTaiwo]

Waiting until you know how to do something exactly right is a poor strategy. You could be waiting forever.

It’s far better to jump in, make mistakes, and see what kind of progress you can make.

Will it be a little embarrassing at first? Yes.

Will you figure it out as you go? Also yes.

[FS YUSUF @FSYusuff]

This is one video I never scroll past.

[Judith Caleb 👑 @JudithCaleb_JCB]

Abeg, help me share my event 🙏🏽
Abeg, come for my event too.

Come and have fun.
Come and snap fine pictures.
Come and meet people stop forming introvert 😌
Come and dance.
Come and eat.
Come and see plenty lights ✨

Come to Festoli 2025
📍 Space 2000, Barnawa, Kaduna
🕕 6pm

[Hydra @XBrianDennis]

My brother in the UK found out that he was not the biological father of his wife's child and she accused him of rape where there was consent for sex but no consent for ejaculation and got him arrested.

This is the wild story.

Apologies for the length.

[Remilekun Ayoola @RemilekunAyoola]

Everywhere go first ?