CBN cuts MPR from 26.5% to 23% — a 350bps cut! This is a major shift. Expect pressure on T-Bill and fixed-income yields, while equities could become more attractive. The investment landscape is changing.

Treasure Okegbola developed a machine learning model that detects malaria from blood samples. We ran a live test today, and it was amazing. She will be training it on other diseases so that people can run quality and free tests in their homes. It can then detect even diseases people may not be aware of. She says this will be her way of supporting poor families who can’t afford quality healthcare or are afraid to do tests because of cost. I have always known that Treasure will make a great impact in the world. What a start!

Dear @PHEDconnect , I have just recharged N6000 again (third time in the series). I have been debited but not issued tokens paid for. I have sent messages to your DM without any positive feedback. Kindly look into this and do the needful pls. I need light for my fridge

You bought the house for ₦500 million. Congratulations! Now meet your new landlord: the estate management company. And service charge is only one part of the conversation. Take electricity. The Band A electricity tariff has been ₦209.50 per kWh. Yet in some estates in Lekki and its environs, residents reportedly pay upwards of ₦350 per kWh for electricity supplied through the estate's power arrangement. You spend hundreds of millions of naira to buy a house. But you may discover that you cannot simply deal directly with the electricity distribution company like an ordinary homeowner. Electricity is supplied through the estate's infrastructure and management arrangement, and you buy your power from or through the estate management company at a significantly higher effective tariff. So you own the house, but you don't necessarily have complete freedom over something as basic as how you power it. Electricity is just one example. There may be compulsory charges for water, sewage treatment, security, waste disposal, cleaning, landscaping, maintenance of common areas, recreational facilities and general facility management. Some of these services are obviously necessary. My problem is not with paying for services. My problem is being locked into expensive services, with little control over the provider, the price or how the money collected is spent. Interestingly, some estate residents are beginning to challenge these arrangements. I was in court recently in a matter involving an estate where the residents' association had terminated the services of the existing estate management company following complaints, including alleged failure to properly account for service charges collected over the years. The residents proceeded to constitute their own management structure. Before buying the house, investigate who will control the estate after the developer has sold the houses. This is because the business model in some developments does not necessarily end with selling you the property. A developer acquires land, develops an estate and sells the individual houses. You receive your deed or other title documentation transferring the relevant interest in the property to you. But alongside the property documentation may be an estate management agreement, deed of covenant or similar arrangement regulating how the estate will be managed. And sometimes the management company is affiliated with the developer. The developer has made money from selling the houses, but an affiliated company may continue earning revenue from the same homeowners through service charges, electricity, water and other estate services for years afterwards. There is nothing inherently wrong with that. The problem arises where the arrangement effectively converts homeowners into what I call "upgraded tenants." You have bought the property, but somebody else may still determine who supplies your electricity, how much you pay for it, how your water is supplied, what services you must subscribe to, what annual service charge you pay and, depending on the contractual structure, how easily residents can replace the management company. This is why anyone buying property in a managed estate should: Read the estate management agreement. Read the deed of covenant. Ask who owns the management company. Ask how long its appointment lasts. Ask how it can be removed. Ask who determines the service charge. Ask whether residents approve the annual budget. Ask whether the accounts are independently audited. Ask whether electricity and water are compulsory. Ask whether you can install solar or a borehole. Ask what happens if you refuse a particular service. Because paying ₦300 million, ₦500 million or ₦1 billion for a house is one thing. Discovering afterwards that you have bought yourself into an expensive management arrangement that will make you end up as an upgraded tenant is another. - Chukwuemeka Michael Ugah #EstatePropertyInNigeria

Hello there, we understand your concern. Having a meter does not automatically mean a customer is on Band A. Service band is determined by the applicable feeder and service classification. Please share with us your meter number and exact location so we can confirm the band applicable to your area.

What I am hearing about WAEC Nigeria is deeply troubling. This year recorded the highest performance in the history of WAEC and they are not happy about it. There is something many Nigerians do not understand about WAEC grading. The score required for A1, B2, B3, C4 etc. may not simply be a permanently fixed number every year. From the information available to me, WAEC applies statistical standardisation/normalisation based partly on the overall performance of candidates. In simple English: If a paper is unusually difficult and candidates generally perform poorly, the threshold required for a particular grade can effectively be lower. If candidates perform extraordinarily well, the threshold can become much higher. So hypothetically, what qualifies as an A in one examination could be around 60, while the statistical threshold in another circumstance could be 80, 90 or even higher. Your final grade therefore may not tell the complete story of your raw score. This year involved candidates sitting examinations under different modes, including computer-based/hybrid arrangements and the traditional paper-based system. And there are serious allegations that questions circulated ahead of time in some paper-based centres. If that happened on a significant scale, it could artificially inflate the overall performance of that population. Then comes the critical question: When WAEC carried out its standardisation, were candidates from fundamentally different examination conditions treated as one population? Because if leaked questions artificially pushed one group’s scores upwards, and those abnormal scores subsequently influenced grade thresholds, an innocent student who genuinely scored very highly could suddenly appear statistically ordinary. Imagine scoring what would ordinarily be excellent marks, only to receive a surprisingly poor grade because you were being compared against an abnormal national distribution. That is the heart of what needs to be investigated. And it wouldn’t affect only computer-based candidates. Honest children who wrote paper-based examinations without cheating could also have been punished by the abnormal performance of people who had access to questions. The innocent students potentially become the victims of the malpractice they never participated in. This is why WAEC cannot simply tell Nigerians that these children failed. Show us the data. What were the raw scores? What were the score distributions? What thresholds produced A1, B2, B3, C4, C5 and C6 in each major subject? Were those thresholds changed after marking? Were computer-based and paper-based candidates standardised separately? How were centres showing statistically abnormal performance treated? And have results changed after candidates requested reviews? Because I am also receiving disturbing reports that some people who aggressively challenged questionable results got their cases reconsidered, while millions of ordinary parents may not even know they can request a review. If that is true, it is unacceptable. A child whose parents have connections cannot have greater access to justice than a child sitting somewhere in a village. And there is another dimension that must not be ignored: I am receiving serious allegations of internal management problems within WAEC Nigeria, including concerns about how staff who question certain decisions are treated. Those allegations also deserve an independent investigation. This is not an attack on WAEC. It is a demand for accountability. The Federal Ministry of Education and National Assembly should urgently invite the leadership of WAEC Nigeria. Because behind every A1, C6 or F9 is not just a statistic. There is a child. There is a family. There is a university admission. There is a scholarship. There is a future. We cannot gamble with the destinies of an entire generation of Nigerian children.

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 drive.google.com/file/d/1UE_…

HOW TO PREVENT A HEART ATTACK: Step 1: Know your numbers. Fasting lipid panel. Total cholesterol. LDL. HDL. Triglycerides. Fasting blood sugar. HbA1c. Blood pressure. If you do not know these numbers, you are driving blind. Step 2: Remove the wheat. Bread. Noodles. Pastry. Chin chin. All of it. Wheat drives inflammation. Inflammation damages arterial walls. Damaged walls attract cholesterol deposits. That is how blockages form. Step 3: Eat real fat. Your heart runs on fatty acids, not sugar. Eggs. Sardines. Coconut oil. Butter. Palm oil. The low-fat lie made your heart weaker, not stronger. Step 4: Move daily. Not a gym. Walking. Thirty minutes. Every day. Your heart is a muscle. Muscles that do not move weaken. A weak heart in a blocked system is how heart attacks happen. Step 5: Stop reading lists and send me your labs. Because heart attack prevention is not a checklist. It is a system. Your cholesterol ratio matters more than your total number. Your triglycerides tell a different story than your LDL. Your fasting insulin reveals what your blood sugar is hiding. A list does not read ratios. A plan does. You have Googled “how to prevent a heart attack” before. Your arteries do not care what you Googled. They care what you ate. And if you are ready for a well-structured meal plan tailored to your health goals, send a WhatsApp message to +2349118909688. Share this with someone who needs to hear it.

I love you all, who have you supporting me effortlessly and being part of my journey from day one and to all my team and community members. It's a new week, how much do you need to support your trading journey ? Someone is watching

Once you learn how to shop directly from China, E.g Temù or shien your wardrobe changes completely. Call me cheap I don't care I ain't rich, I don't do fraud.😭 It's knowing what to search for. Here's my style after making plenty of mistakes. 1. T-shirts: Skip 100% polyester unless you're buying gym wear. Instead, search: • 100% Cotton • Combed Cotton • Heavyweight Cotton • 240-300 GSM Cotton • Premium Cotton • Mercerized Cotton The heavier the GSM, the thicker and more premium the shirt usually feels. 2. Jeans: Denim Jeans Temu is surprisingly good for denim if you know what to search. Search: • Denim Jeans • Cotton Denim • Raw Denim • Selvedge Denim (if available) • 98% Cotton + 2% Elastane • 99% Cotton Avoid jeans with high polyester content. The more cotton, the better they'll age and feel. 3. Body-hug clothing: Search: • Ribbed Knit • Modal • Viscose Blend • Cotton-Spandex Blend They hold their shape much better than cheap polyester. 4. Hoodies Search: • 400 GSM • French Terry • Cotton Fleece • Heavyweight Hoodie 5. Chains Search: • 316L Stainless Steel • Titanium Steel • PVD Gold Plated • Vacuum Plated These are far more resistant to fading than ordinary fashion jewelry. 6. Earrings Search: • 925 Sterling Silver • 316L Stainless Steel • Hypoallergenic • Moissanite (if you're buying stones) 7. Scarves Search: • Mulberry Silk • Silk Blend • Cashmere Blend • Wool Blend • Viscose Avoid the shiny, thin polyester scarves if you're after a premium look. 8. Loafers Search: • Genuine Leather • Cow Leather • Full Grain Leather (rare but worth looking for) • Rubber Outsole 9. Sneakers Search: • Rubber Outsole • EVA Midsole • Breathable Mesh • Leather Upper • Stitched Sole Pictures lie a lot The description usually tells the truth. Here's how I shop: 1. Read the material composition before anything else. 2. Sort by Most Orders or Best Selling, not cheapest. 3. Only buy products with lots of reviews or pictures or even better when a Nigerian has purchased it before they always tell the truth. 4. Read the 1-star reviews first. They'll tell you what the seller won't. 5. Look at customer photos, not the product photos. 6. Check the weight of the product. Better quality clothing is often heavier. 7. Read the size chart. Don't assume your Nigerian size matches. 8. If the title has words like "luxury," "premium," or "designer" but the material is 100% polyester, not everything but still move on. Your best friend isn't the product picture. It's the material, the reviews, and the customer photos. That's how you separate the gems from the junk. I hope this help. Things are to expensive for a country this poor.

See it. Feel it. Drive it. There is a car for you here. #nordmotion #drivenord

New home. Same voter. One simple update. If you have relocated for work, school, marriage, retirement, or any other reason, the solution is simple: (piped.video/h86lvkqN3qk?si=6GGf…) ✅ Apply for a Transfer of Registration ❌ Don't register again. 🗓️ CVR ends 10 July 2026 🌐 cvr.inecnigeria.org #CVR2026

No Nigerian would ever attack or harass another foreign Black man in Nigeria because he is an immigrant or outsider. It's alien to us; we can't even conceive of it. We may not have a GDP of $100 trillion or high-speed rail, but when we say we are “Giants of Africa,” it's because we have bled and shed for Africa unequivocally and individually. We didn't help South Africa fight Apartheid because we wanted to migrate to Durban; we did it collectively because it was the right thing to do. We ask for nothing more than basic respect. Proud.

Once a man stops correcting you #jakujajesusjoy

If you're not open to Chinese cars go hybrid. You save close to half your fuel cost with a hybrid vehicle. At the current fuel price of ₦1,200/litre, if you drive 20,000 km per year, a regular V6 Highlander could cost approximately ₦2.5–3 million annually in fuel, depending on driving conditions. With this beautiful hybrid vehicle, fuel cost could drop to around ₦1.3–1.8 million annually, depending on your driving style and traffic conditions. You still have a regenerative hybrid battery system, so you're not plugging the car in to charge. The battery charges itself through regenerative braking and works together with the petrol engine to improve fuel efficiency. Maintenance is also straightforward. You can potentially do engine oil servicing just 2–3 times a year, depending on your mileage and service intervals. Aside from normal maintenance, it's important to maintain the hybrid cooling system, keep the battery air filters clean. The suspension, brakes, and many other wear items are largely similar to a regular V6 Highlander. In fact, regenerative braking can sometimes reduce brake wear because the electric motors assist during deceleration. Maintain it properly, and this car can comfortably serve you for many years. I personally love hybrid/turbocharged cars and think they are also the future of Nigerian roads

This is why p£nis enlargement oils and creams can never work!

Sex won’t satisfy you. Fame won’t satisfy you. Drugs won’t satisfy you. Money won’t satisfy you. Alcohol won’t satisfy you. Success won’t satisfy you. Life is empty without God. He is the only one who can satisfy your heart.

Can I tell you one thing I've discovered in my walk with the Holy Spirit? Beyond being a guide, the Holy Spirit is the greatest conversation partner you'll ever have. In short, there is no gist partner like the Holy Spirit. The day you grow to the point where He comes to you for a chat, demands your attention, or interrupts your day because He wants fellowship with you, YOU HAVE WON FOR LIFE. Because beyond power, beyond gifts, beyond breakthroughs, nothing compares to being wanted by God Himself.

"Sir, my ultrasound shows Grade 1 Fatty Liver! Which liver detox supplement should I buy before my liver fails?!" I see this panic in the hospital almost every single day. Before you drop your hard earned money on useless "liver tonics," let’s look at the actual science 👇

Artificial intelligences do not undergo experiences, do not possess a body, do not feel joy or pain, do not mature through relationships, and do not know from within what love, work, friendship or responsibility mean. Nor do they have a moral conscience, since they do not judge good and evil, grasp the ultimate meaning of situations, or bear responsibility for consequences. They may imitate or even simulate, but they do not understand what they produce, for they lack the affective, relational, and spiritual perspective through which human beings grow in wisdom. #MagnificaHumanitas