Saeedu Alkali

Be in this world as if you are a stranger.

🛃 🇳🇬

[Ochuko @DavidAmhewroro]

it is an unwritten rule of life that after every prolonged period of hardship and uncertainty, there is going to be a period when you are going to achieve quantum leaps across multiple areas of your life. the only requirement is that you do not give up on yourself.

[Muhammad Babandede, OFR & 0CM Spain @babandedemb]

Today is exactly 5 years after my retirement as the 16th CG of Nigeria Immigration Service. My sincere gratitude to the Almighty God for the opportunity to serve and also witness this day. May God continue to make NIS better than we left it, Ameen.

[ຸ @taergp]

patek philippe always have a story to tell

[Dr. Moh’ @DrMooh_]

Wait a minute… 🫢

[Ayodele Lawal Adio @iamayolawal]

When this administration removed petrol subsidy, it swore to invest the savings in infrastructure, public education and healthcare.

It didn’t.

Instead, they have spent on insatiable vanities and white elephant projects that only massages their ego.

That is why @atiku’s plan to halt the immiseration of working people and increase our purchasing power by leveraging subsidy as industrial policy has become increasingly imperative.

[Nick Lavery @thenicklavery]

The dishes are in the sink because people ate.

The shoes are by the door because people came home.

The toys are scattered everywhere because people were happy.

Some of the mess is proof of a good life.

Stay grateful.

[Chef Zee @zalieha_]

Nigeria is just cruise 😭😭😭 A Dangote driver was complaining that people keep stopping him, telling him to drive carefully, and that he’s tired. I just checked the comment section and someone told him, “Zamu canza ka fa.” 😭😭😭

[F E E Z @Feeztm]

This dangote trailer just pass me with disrespectful speed..

Dangote suppose share my picture give drivers make them know their co-owners nau.

[Glorious God @GloriousGod01]

I am making this post to publicly declare that I will not be buying the Dangote IPO listing tomorrow, September 14th, 2026.

I have done my research and I am fully convinced it is not for me right now. If it performs well, good for those who buy it. But I will consciously miss out on this one.

The level of push behind this IPO is suspicious to me. The ads, the PR, the media hype and even my Bamboo and Cowrywise apps have sent me over 10 notifications about this same IPO. Wealthy men are not that generous. The last thing a wealthy man genuinely wants is for the average person to become financially independent of him. They profit from your dependence.

If this IPO was truly that exceptional, the elites would have quietly bought every single unit or pressured Dangote to keep it away from the public entirely.

Also, consider this. Only 3% of the total shares are being released to the general public. The remaining 97% is already in the hands of whales, top institutional investors and insiders who almost certainly bought in at prices far lower than what is being offered to you today. When this goes live and retail buyers flood in, those same whales will sell, cash out and move on while the small investors are left holding depreciating shares.

That is how IPOs work in most cases. The big fish feed off the enthusiasm of small buyers.

Take this advice from me: If you must participate in this IPO, wait at least 6 months before buying. By then the price would have stabilized, the hype would have settled and you can make a more informed decision based on actual performance rather than marketing.

If you buy tomorrow, I genuinely believe there is a very high probability you will lose money in the short term.

Reflect on this before you act.

Above all, love God.

[AM Ngidda @AYNgidda]

There are very few jobs ( in terms of numbers, availability and spread) that can guarantee you the ability to provide the quality of education you got for your kids today. Beyond this nonsensical echo chamber, that is the reality of most of us.

[Bremen @Rxbremen]

Dangote refinery is not going to make you wealthy if you are not rich yet, dead that idea. Kill it fast fast.

It is a compounder for the wealthy. Let me explain.

If you buy 100 units, that is 52,500, for your capital to double, it would mean the valuation of the refinery would be around 96B dollars, that is when your 52,500 becomes 105,000.

That might take a while say 2-5 years, but for the wealthy that invest 100m, if the company moves just 15% upward per share he gains extra 15m each year.

You might see that someone has committed 400m dollars to the refinery, if the refinery gains just 10% each year for the next 5 years, that is 40m in the first year, 44m in second year like that like that.

Know what you are signing up for, don’t think your 10 units would become millions one day, it would never.

[BC™ @blisscrtv]

Always keep them guessing

[Tuchel @Officially_Kriz]

Segun Agbaje, Group CEO of GTCO, responds to the constant appeal of giving out loans to young people.

He says he's ready to give them money but they must be very careful with debt. You have to pay back debt.

They need to understand basic things like difference between revenue and profit.

Cashflows pays back a loan not collateral.

[Abduljalal Musa Aliyu @AbduljalaalMusa]

And then one idiot will tell you that removing the subsidy is important because he’s an economist.

Mtchhwww… shegu, yan wahala kawai.

[Dr Joe Abah, OON @DrJoeAbah]

Guys, whatever they say, try and own your own house by the time you turn 40. Even if it is one room, let it be one room somewhere on this earth that you own. You can choose to rent it out and be a tenant elsewhere, but have a house to your name.

I am Ezemmuo. I know things.

[Jobs with Aramide @AramideOyekunle]

Nigerian Ports Authority Vacancies!

Good Luck!

[Slim @onu_slim]

How to own a house in Nigeria between age 30-35

Owning a house in Nigeria before 35 is not fantasy. It is a math problem most people never actually sit down and solve. Let me lay out the exact path using the mortgage system that already exists, right now.

Step one, and this needs to start in your 20s. Register with the National Housing Fund through your employer or voluntarily if self-employed. NHF requires contributing 2.5% of your monthly basic salary, deducted automatically. This is not optional if you are serious about this timeline. It is the single cheapest mortgage access point in the entire Nigerian system, and almost nobody under 30 is registered.

Here is why NHF matters so much. It gives you access to mortgage loans at roughly 6% per annum. Compare that to commercial bank mortgages sitting between 20% and 28% right now. On a N30 million NHF loan over 20 years at 6%, your monthly payment is approximately N214,929, and your total repayment over the full tenure is roughly N51.5 million. Run that same 30 million through a commercial bank at 28% and you would be paying over N700,000 monthly. The NHF route is not a small advantage. It is the difference between a mortgage that fits your salary and one that destroys it.

Step two. While your NHF contributions build in the background, separately save your down payment. Most mortgage lenders require between 10% and 30% equity contribution upfront. On a N40 million property, that is N4 million at 10% or N12 million at 30%, depending on the lender and the scheme. If you save N200,000 monthly into a money market fund earning 18% per annum, you reach N4 million in approximately 18 months. Start this at 27 or 28, and your down payment is ready well before you hit 30.

Step three. Get your paperwork in order early, not when you are ready to apply. Two years of steady, documented income, whether salaried or business. A clean credit history from the Credit Bureau of Nigeria. A debt-to-income ratio that is not already strained by car loans or other obligations. Lenders scrutinise all three, and cleaning this up after you start house hunting is too late.
Step four. Apply through an accredited Primary Mortgage Bank, not a random commercial bank. Abbey Mortgage Bank, Infinity Trust Mortgage Bank, and similar PMBs work directly with FMBN on NHF-backed loans. They verify your information, issue a formal offer letter detailing your loan amount, interest rate, and repayment schedule, and your lawyer should review every line of it before you sign anything.

Step five. Know the rent-to-own alternative exists for lower-value properties. FMBN's non-interest rent-to-own scheme applies to properties up to N15 million, letting you pay in monthly, quarterly, or annual instalments over up to 30 years with zero interest attached. For a first property or a starter home, this route removes the interest rate conversation entirely.

Realistic timeline if you start at 25. Two to three years of consistent NHF contributions and separate down payment savings. Application and approval process taking three to six months once your equity and documentation are ready. Move-in achievable by 29 or 30, with the mortgage itself running well into your late 40s or early 50s at a payment your salary can actually absorb.

The people who own homes by 35 in Nigeria did not earn some extraordinary salary nobody else has access to. They registered for NHF five years before their peers did, saved a fixed amount monthly without touching it, and treated the paperwork as seriously as the money.

The system already exists. Almost nobody uses it early enough to benefit from the timeline.

[Dr Joe Abah, OON @DrJoeAbah]

My wife is almost pregnant again. She’s almost also 60. 😂

[Abdool Moh. @abdool_moh]

Our 207 deals can save you up to 500k to 1m on both Automatic & Manual deals.
Contact my business watsaap and keep an eye for updates on deals [phone]

[Ben X @Benn_X1]

What has this got to do with having a Nigerian passport?

You left the airport without a visa for Qatar and was rightly deported.
Some of you display ignorance and try to blame others.
If you have a connecting flight, you are to wait in the airport and not try to become a tourist in that country.