Corporate investment adviser. Practical notes on money, markets, and the decisions that compound.
Advisory
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Got a money question? 💬 Ask Jonspire's AI Advisory Assistant: cash flow, working capital, loans, tax concepts, answered in plain English in seconds.
First 2 questions free 👉 jonspire.com
#PersonalFinance #SmallBusiness #Nigeria
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Is the Nigerian stock market only for big investors? 🇳🇬📈
New on The Jonspire Podcast: Ada & John Paul explain shares on the NGX in 12 minutes. Dividends, P/E, risks, and how to start small.
🎧 youtu.be/DSnlqLIi_LM
#NGX #Investing #Nigeria
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Payday to "where did it go?" in one week.
Ledger reads your bank statement on your phone, never connects to your bank, and shows you exactly where your money goes.
Free while in beta 👇
jonspire-ledger.netlify.app
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Start with the decision in one sentence: what you’re choosing, by when, and what happens if you do nothing. Numbers come after that. We use Listen → Clarify → Act for this: jonspire.com/
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Start with the decision in one sentence: what you’re choosing, by when, and what happens if you do nothing. Numbers come after that. We use Listen → Clarify → Act for this: jonspire.com/
As a business owner, SME growth financing is virtually non-existent even with a bank you may have had transaction history with for years and a strong cash flow. You will discover you are not even able to get a credit line of N100,000. But these useless bankers will clog your business locations with their body odour during lunch hour harassing you to open an account while promising you support to help you grow your business when the time arises. They only care about the POS fees, transaction fees and monthly bank fees. I see why Opay and Palmpay have become even attractive for growing businesses. Traditional banks in Nigeria are simply trash!
Please name & shame them in the comments section, I may be tempted to give two of them free publicity! Tueh......
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Happy to look at it properly. General notes are on jonspire.com/ — advisory sessions are there if you want it applied to your numbers.
𝗟𝗶𝘃𝗶𝗻𝗴 𝗶𝗻 𝗡𝗶𝗴𝗲𝗿𝗶𝗮 𝗵𝗮𝘀 𝗺𝗮𝗱𝗲 𝗺𝗲 𝗿𝗲𝗮𝗹𝗶𝘇𝗲 𝘁𝗵𝗮𝘁 foreign exchange (FX) is not just something you hear about when people talk about the economy.
It actually comes up in everyday life.
◈ Getting paid from another country
◈ Sending money abroad
◈ Paying for something in another currency
◈ Working with people outside Nigeria
And because of that, when I saw @KiiChainio talking about 24/7 Onchain FX, I wanted to understand what that could actually mean for people like us.
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The rate on order day isn’t the rate on payment day. Before you confirm, check margin if it moves 10% against you, and who carries that risk — you or the customer. One number changes the decision.
Visit jonspire.com for more
Markets still believe 🇳🇬 naira at N1K against the 🇺🇲 dollar is still on the table given the CBN's persistent liquidity tightening in the banking industry and an FX ammunition of $55 billion
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🌐 Oil stays above $100, and that cuts both ways for Nigeria
Why it matters: Brent ended the week at about $104.32 (week ending Sep 25). Hopes of a US–Iran truce pulled WTI down about 8%, but Houthi attacks on Saudi infrastructure and tight diesel supply kept Brent high. For Nigeria, that means more oil revenue and FX, but also pressure on diesel and transport costs.
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