Chinazorm

1% better each day| I am, because of my family| Shame is a virtue.

[Chinazorm @nazorpeters]

Explaining simple things with verbosity, does not equate to intelligence.

[Osaretin Victor Asemota @asemota]

“There is a cheaper informal version of almost everything you sell. So people don't pay. Then we blame VCs for not funding the very thing we ourselves won't buy. That math has never worked.”

I didn't realize when I shouted Amen!!!

My wife and I can afford to eat at expensive places if we want; I choose to cook at home or order from a place called “Mum’s Kitchen” in Accra. It is a low-cost but high-quality food kitchen/restaurant that my friend’s mum opened behind her son’s pricier and a bit more upscale restaurant with a more aspirational menu. Mum’s Kitchen sells the local staples in a neater environment at the right price. Keep that in mind; it is important.

What has worked successfully about Mum’s Kitchen is that “Mummy Andoh” isn't trying to exploit people. She doesn't need to. She is wealthy and doing it for fun, but her children saw the numbers and were dumbfounded. She is doing better than them and everyone else. The key to all of this is value. She provides better value for the price, and people troop in. The restaurant is very profitable.

There are meals she cooks better than I do, and when I buy them, I don't feel exploited. I pay for value. There are cheaper and dirtier places, but we prefer Mum’s Kitchen. Mummy Andoh is also always there to ensure quality. I saw her yesterday evening. She tries to give me a discount, and I try to pay even more.

Someone in Lagos did something similar many years ago before Mega Chicken and he had 8 restaurants netting him $1.5m monthly. It stunned me. One day, I went to Mega Chicken, saw similar crowds and I understood the model. The other guy runs unbranded bukas exactly like Mega Chicken in densely populated areas. Both models are profitable.

I wrote an article long ago on Proximate Value Pricing in local tech - https://t.co/inF5mDQNSR

I should rewrite a consumer products version soon. I saw something in Brazil years ago with Nubank and predicted they would become a unicorn long before they did. They were providing a high-value consumer credit card product at sensible pricing that people expected. They were not the most expensive or the cheapest; they provided the best value and pricing mix.

They became a unicorn not because they had 3 million customers in 2017; it was. Because they had 11 million customers on the waitlist trying to join them. Their problems were different from others'. It was maintaining quality and not looking for customers.

Nubank never had a marketing team; they saw the true gap in the market, and they optimized their product teams for extreme product-market fit. Proximate Value Pricing is part of the toolbox in building a profitable and growing business when you hit PMF. It is also how you hit PMF. Simple but hard.

[Chinazorm @nazorpeters]

This is what happens when you platform and praise mediocrity.

[OLAMIDE 🌸💖 @Olamide0fficial]

“The youngest Nigerian cuisine is the Igbo cuisine, it’s less than 100 years but they will never agree. Most of the Igbo dishes that you think are ancient are post World War..”

- Opeyemi Famakin to Joey Akan

[Ewgi @Ssaasquatch]

For Nigerians who don’t have access to platforms like Robinhood et al, this could be a very solid alternative for taking long/short positions on US stocks.

I recently opened a fairly large long position and was pleasantly surprised by how fast the execution was. Slippage was also minimal despite my size, which is exactly what you want when trading with meaningful capital.

[Chinazorm @nazorpeters]

@bookie_ebony @folasanwo Whilst I understand your viewpoint, I also think your response is coming from an “everyday” use which wasn’t under discuss. However, most insurance have a CAP to what patients can you but this is not tied to daily usage.

[Chinazorm @nazorpeters]

@bookie_ebony @folasanwo I do understand your point but you are adding more nuance than what the OP intended. Nonetheless, I do not reason that a family will visit the hospital facility everyday if it’s was necessary. We cannot dictate how people use the health insurance that they are paying for.

[Chinazorm @nazorpeters]

@bookie_ebony @folasanwo What do you mean by “needlessly” ? Was the health insurance not paid for ? What if that was a regular check ? Even if they decide to visit the hospital every week, is it free ? Must they be visibly ill before they use their health coverage ?

[Onye Nkuzi @cchukudebelu]

I don't think young Africans understand what the United States of America is really about.

Jim Crow laws and Segregation in the South, did not last for almost 100 years, because they made economic sense.

Young Africans stubbornly refuse to learn from the experience of African Americans. Now they will be forced to.

[-valar morghulis- @eldivine]

I’m still stunned lowkey. Do you know how much you have to look down on yourself that you are asking about what is the economic value of your language?

You prize money more than your own existence?

Pig logic. Absolutely bereft of wisdom or self awareness.

It’s like those people who have children as an economic strategy. There’s just two steps between that and selling people into slavery.

Reducing the things that define human life and existence to commodities. Mammon dey learn.

[🦉 🧘🏽‍♂️spiRituaL🧘🏽‍♂️ @spiRiituaL]

At Heathrow Airport on my way to Glasgow this morning, I noticed a sweet, pleasant smell that made me delay my check-in for a couple of minutes just so I could get the name of the perfume.
Man was on call, but he kinda noticed I was trying to get his attention.

He said, ZARA (FASHIONABLY LONDON N°O4).

Entered ZARA store and to my greatest surprise, the perfume is less than £50.

[Hafiz @hafiz_ngn]

50+ YouTube Channels & Podcasts to Learn How to Make Money, Build Wealth, and Create Multiple Income Streams

1. Adebola Idowu — Personal finance, investing, wealth building, career growth, productivity.
2. Alex Hormozi — Business growth, sales, marketing, entrepreneurship.
3. Ali Abdaal — Creator economy, productivity, online business, digital products.
4. Amy Porterfield — Online courses, email marketing, digital entrepreneurship.
5. Andrei Jikh — Investing, cryptocurrency, personal finance, wealth building.
6. BBC Money Box — Personal finance, consumer affairs, money management.
7. BiggerPockets — Real estate investing, property wealth.
8. Building Wealth Without Borders — Investing, wealth management, personal finance.
9. BusinessDay Television — Business news, economics, entrepreneurship.
10. Buildapreneur — Affiliate marketing, online business, digital marketing.
11. CNBC Make It — Side hustles, careers, entrepreneurship, personal finance.
12. Clever Girl Finance — Personal finance, budgeting, investing, financial literacy.
13. Codie Sanchez — Small business acquisitions, investing, entrepreneurship.
14. Damien Talks Money — UK personal finance, investing, pensions.
15. Diary of a CEO — Entrepreneurship, leadership, business interviews.
16. Entrepreneur Hour — Entrepreneurship, startups, business growth.
17. Erika Kullberg — Personal finance, money-saving strategies, investing, legal and financial education.
18. Financial Jennifer — Personal finance, investing, budgeting.
19. Fisayo Fosudo — Technology, fintech, digital economy.
20. Flo Finance — Personal finance, investing, wealth building.
21. Founders Connect (Peace Itimi) — African startups, entrepreneurship.
22. Franklin Hatchett — Affiliate marketing, e-commerce, online business.
23. Graham Stephan — Investing, personal finance, real estate.
24. Humphrey Yang — Personal finance, investing, financial education.
25. It's Iveoma — Side hustles, freelancing, online business.
26. John Crestani — Affiliate marketing, online business.

[Compounding Naira @compoundinnaira]

Invest like mad!

Invest like your life depends on it!

Invest to avoid future embarrassment!

Invest because that investment could very well be the safety net you’ll need in the future.

[Rufybaba @Rufyb]

GTCO's P/E will stay within a range of 5x to 6x at most.

The peak it reached was 8x in 2017 through early 2018.

Since GTCO is regarded as the gold standard for banking in Nigeria, given factors such as governance, cost of funds, ROA, and ROE, its P/E is often used as a benchmark or reference point.

This means you start by examining GTCO's P/E and then adjust it for other banks depending on their business models, growth patterns, and balance sheet quality.

We will only see GTCO at a 10x P/E when foreign investors return to the market with significant inflows.

[YUA @creative_yua]

If you know eBay, there's a Chinese platform just like that.

Many "UK-used" iPhones, Samsung, or laptops sold in Computer Village actually didn't come from London.

Some of them came from this platform called Xianyu, also known as Goofish or Idle Fish: a used-goods marketplace under Alibaba.

Once you know how to navigate your way on this platform, you can get used iPhones, Samsungs, Google Pixels, cameras, laptops, and various gadgets at very low prices.

Each seller will indicate whether the gadget has issues or not, so you can decide what you want.

- Once you've picked the specific gadgets you want to buy, discuss with the sellers, and confirm what you're buying are in good condition. (Don't worry, some of them understand basic English.)

- After that, you'll need a shipping agent such as Superbuy and CSSBuy to help you secure the goods and send them to your country. (I'll drop the links in the comment section.)

- The agent can even help you inspect the goods, negotiate, and pay in yuan on your behalf.

- When the items land in the agent's warehouse in China, they'll ship it to Nigeria by air or sea, depending on the mode you want. (Air is faster but costlier; sea is slower but cheaper.)

Note that this platform is completely in Chinese, so you'll need to translate. They have a website and an app on the iOS App Store.

You can log in with Taobao, Alipay or Wepay.

.......
This is for information purposes only, though.
Use wisely and responsibly, and ensure to do your own further research.

Stay sharp! 🪒

[Love💕💝 @TwinkletLove]

RC'26
Day 3🥰❤️

[Osaretin Victor Asemota @asemota]

A lazy genius at constant rest state is worse off than an idiot in motion.

[Ewgi @Ssaasquatch]

If you deploy $100k into buying $ONDS 2028 LEAPS today at $10 strike and ONDS hits $30 before 2028, you make $500k+. If ONDS hits $44, you make roughly $1m. Downside however is that If ONDS < $11, your $100k turns to $0. I have made my bets and this is not financial advice. If you don’t understand, just disregard.

[Chinazorm @nazorpeters]

@Babajiide I wish people know this.

[Zeo @zeo_ex]

According to Feng Shui, the mess in your house isn't random. It's a map of where the energy is stuck in your life.

Overflowing closet =

[Anthony @anthonyuzum]

Exactly. I struggle to understand why people don’t use free resources like @greentickertale and @wealthcoachomi on YouTube. There’s a wealth of information available for free, yet people are still paying for stock courses, recommendations, and access to some so-called “inner circle.” Unless your time is so valuable that you can’t spare a few hours a week to learn about your own investments, paying for advice in 2026 just doesn’t make sense.

[Name cannot be blank @hackSultan]

Tokyo 2020, Ten Nigerian athlete excluded because the administration didn’t meet the anti-doping compliance.

Favour Ofili’s Olympic 100m omission (Paris 2024). She qualified but was not entered into the event because of an administrative error.

2025 World Championships qualification cycle, Nigeria missed crucial qualification opportunities after visa and organizational issues.

2026 : 👇🏼👇🏼👇🏼👇🏼

These people are not unqualified, they simple don’t care about your future.