NewStats: 3,261,728 , 8,174,929 topics. Date: Friday, 30 May 2025 at 10:17 AM 45ty6z3e3g |
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istration1: The bestie matter be like wu carry sugarcane dey do walking stick. Las las na chopping things. |
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Ladumaa: Maybe he tell us how many of dat figure is educated enuff and eligible for appointment in a civil service establishment. Rubbish. |
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Yungstallion: Remove No 2, replace wt "Guys that talk like parrots" Girls like gisting. So if u can talk from morning till midnyt none stop, u're a girl's BFF. As for point 2, u can only know a girl as much as she wants u to. In fact if u know a lot abt her it means she likes u already. Otherwise all u'll get is "yes" "no" "hmm" "hmm hmm" |
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Same governor that was lambasting Drs for demanding for their due wage is dishing out millions to millionaire
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angelEmade: E for make sense if say u no put that ur Palestinian quote. My dear, that "child wt d pebble" ain't strong anything. It's rather stupidity at it's peak. Nothing is more stupid in d entire universe. |
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Mhen! See Shina Peters is now all ballooned up |
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jomarq: U berra of find srs hustle or loan. If u're banking on getting that money back u're jonsing |
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floridam: U mean 2 say she's the next to exit. 2 Likes |
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Thank God the Egypt guy is out of the pix. He gives me more palpitations than the Kenyan lady. As usual, African problem is more of internal than external. 1 Like |
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Wu else came here to see maps & graphs, buh ain't disappointed.
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tillaman: The big deal is that if it's som1 dat is smuggling somtin (igbo, ammunition, etc) he's likely 2 "look away" after such seemingly harmless collection. FunkyAlhaji2015: Na those wey no dey prominent worse sef. If begging no work dem go find weytin 2 take harass u. 2 Likes |
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U're still here, wen a lawyer is supposed 2 be on ur matter already
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I'm sure she's getting similar from her baby daddy. Then this one dat konji has put into gbege. Then she moves to another rich man, maybe wealthier. Naso person go sidan &do nothing buh chopping money 4 life. They're looking 4 naija yahoo boys, wen d real yahoo+++ dey wt dem 1 Like |
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How does sombory sustain matchete wound from gun battle? Ayam not understanding |
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pode: Even if he's not his child! In fact, even if he's ur sworn enemy. |
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Amotolongbo: Abi na by force 2 do Big brother ? |
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adebayour26: I see nothing spiritual abt this. All that's happening is a long term big secret that those in the know are making frantic efforts to conceal. Abeg make we no dey "spiritualise" everything. |
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Godlovesyou28: My dear, it's sounding like u're abt 2 open a can of worms. Trust me, u may hate ursef more if u find out d truth. Sounds more like ur current mum has bn in d pix from d outset. Sounds to me like an unpleasant away match |
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If this story is true, then the only matured person in that house is your brother, and you need to learn fast from him b4 you even toast any lady let alone settle ddown for one. 1. You have a tendency to have temper tantrums & you may end up being a wife beater. 2. There's some degree of egocentrism in you. See you asking for Self contained. You no even ask for face me I slap you. It doesn't matter discussing the inadequacies of ur sis-in-law & her siblings on this platform, since that ain't gonna change anything. Buh it takes 2 to tango. If you work on your own end of the misdemeanour, problem is 80-90% solved. |
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ukukaegbu: It's actually an "hungry author" thingy. Shuddav rather be titled "List of Okonjo-Iweala's Co-competitors for WTO top job" |
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Eboski: Too late. He's already made up his mind. He only came here to seek encouragement to do it. Trust me, he's only gonna read & all those comments asking him not to do it. |
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Look alikemy foot. Both the OP & the original OP need glasses |
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Coded option is to make ursef unavailable at her usual time of visiting
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The only Jada we know is Jada Pinket Smith
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iamogunlowo: Obviously not. They're ed on the abdomen , not on the chest. |
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obembet: Henrik Larsson's comment is the only objective comment. Others either played club side football wt one & national football wt the other or were either current or past team mates of one or the other, hence their assessment cannot be said to be unbiased. I'll pick Messi over Ronaldo anyday, anytime, anywhere though. 1 Like |
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J111333: I jst wonder o. Crying more than d bereaved. D'u certify som1 dead & place him on life ? Abi life is same as morgue or cemetery?? |
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Numero9: Then wen she carry gbege transmit am 2 u, it becomes ur lives & ur bodies. |
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goodman41: Are you sure u're not the one trying 2 use the girl? After u tricked her 2 coman take banana then started behaving funny. Bros, change ur ways. |
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General Outlook 1.Africa seems to be suppressing the curve so far. It looks like it might escape the worst of the pandemic, but will have to be cautious about it. 2. Possibility of W Curve – i.e. There is a good chance of re-occurrence of the virus, which could see a possibility of regular lockdowns. Businesses need to plan accordingly. 3. Capital will look for countries that are less battered. Western economies are badly battered while countries in Africa, etc are not so battered. Global Capital could flow there, if we can act efficiently to pull it. 4. Emotional and Economic backlash against China is expected. Already, countries and companies are working on strategy to pivot away from China as part of their supply chains. Japan Govt has announced packages for its companies bringing back manufacturing home. Businesses need to keep this in mind and work accordingly. Discretionary Spending 1. For individuals, health and safety will become No.1 on their agenda from the 3rd of 4th place. There will be more spending on this area and reduction in other discretionary spends. 2. The ticket size of spending will drop for a while. People will spend on cheaper goods than on expensive goods, or delay spending for a while. 3. Extreme acceleration in digital economy. I.e. Home education, home entertainment, home fitness, etc 4. Loyalty shock. People will be less loyal towards brands as other aspects will take over. People will switch brands faster due to various other concerns like safety, etc. 5. General Trust deficit. There will be trust deficit amongst stakeholders like vendors, customers, employees, borrowers, banks, etc. Banks will have trust deficit with borrowers, companies will have trust deficit with suppliers, etc. Liquidity and P&L 1. Segregate Good Costs and Bad Costs a. Good costs (Eg. Digitization, tech costs, digital marketing, best employees, etc) need to be insulated and protected b. Bad Costs (Eg. Fancy office, unnecessary spending, bad performers, traditional working methods) need to be ruthlessly eliminated. Don’t be emotional about non-core businesses. Concentrate on core business. 2. Be Frugal – Not necessary to have fancy office, fancy cars, excess employee strength, etc. Remove all the flab and be lean. 3. Maintain Good behaviour – have frank and open conversation with all stakeholders like suppliers, employees, etc and try to find the middle ground, so that the burden can be shared justly. 4. Be Future Ready – In this crisis, there will be winners and there will be losers. Those who re-orient their strategy will be winners. Govt Stimulus 1. Economy was in poor shape even before Covid. The govt has little leeway to provide large stimulus. 2. Govt earns alot from taxes, with losses experiences how will this be pushed up? 3. Inequality has already sharpened. The gap between rich and poor has further increased. Govt needs to concentrate on mass health and mass welfare. If not, 40 million people could sink into poverty. 4. Govt must explore printing currency (Quantitative easing), but there are limitations here. It has side effects like inflation, etc. Rich countries have more leeway for such quantitative easing. 5. Govt must concentrate on grabbing more capital from outside and do reforms to enable that. *Result of backlash against China* 1. Internationally, there could be an emotional and economic backlash against China. 2. Businesses with supply chains ing through China will need to keep this in mind and insulate themselves and build alternatives. 3. Africa and african businesses need to try to become the contract manufacturer of the world, just like China is. They need to make use of this opportunity smartly. 4. All big wealth funds and soverign funds will be awash with Liquidity. This liquidity needs to be attracted. 5. In every sector, there are good and bad companies. Management has to invest correctly in manufacturing and modern tech, be honest and fair to all stakeholders, etc., Those companies with good management and displaying good behaviour will come out victorious. *Export Business* 1. African exporters need to build trust. They need live up to promises made. They need to deliver on time and deliver the promised quality. They shouldn’t make incorrect promises just to get more business. 2. Asian export business has built trust and a good reputation. Despite a chequered past (low quality, human rights issues, etc) they have managed to overcome and are winning. *Wholesale, Retail, etc.* 1. More people will prefer to buy from retail stores where there is perception of safety (Eg. Sanitation, cleanliness, crowds, etc). They will move more towards malls away from markets. Many will move towards online stores. Wholesale suppliers also need to concentrate on such retailers. 2. Customers also need to be ringfenced: a. A high end restaurants need to give high percentage of bill value as gift coupons to be used anytime upto December 2020. b. Car companies and mortgages shiuld give buy back offers, incase the customer loses his job in the next one year. 3. Pricing needs to be re-approached. People are looking for cheaper prices or cheaper goods. *Brick & Mortar in Discretionary Spends* 1. Private academies could take a big hit in the near future. Entertainment could move home. 2. Because of this, cafes and restaurants might see some increase in business. Many chains are implementing measures like social distancing like lesser furniture, etc, to build confidence to consumers. 3. Smaller retailers need to send a message of safety. Eg: Have sanitisers, put up notice of no Covid positive employee found in the store, maintain social distancing, etc. 4. Since travel and tourism will take a big hit, connected purchases will also shift. Purchases that happened abroad will happen at home. (Eg. Electronics, Luxury goods and apparel, etc.,). But travel related purchases will drop. *Financial Markets* 1. There will be value destruction and value creation in different companies in the same sector. 2. High Debt low margin companies will find it difficult. (indicates risky or unscrouplus management) 3. High Debt high margin companies could be rewarded, but caution needs to be exercised. (may indicate sharp or dynamic management) 4. No debt high margin companies are best rewarded now. 5. Know more about the CEO and management and their actions and activities. 6. New tech unicorns will be born. Those involved in cyber security, cloud services, online education services, etc. *Forex Markets* 1. No doomsday scenario (i.e. Dollar will keep on going up etc). Such scenarios don’t seem realistic 2. Govt should be buying as much oil as possible, as such prices may never be seen in the future of oil. 3. As the western economies are more battered and local economy is less battered so far, there is more liquidity coming in. That’s why there is a rally in the market. This scenario could change depending on the spread of the disease. 4. Watch out for sharp spikes in the market. Better to avoid the spikes. *Outlook for near future.* *A. Large Companies* a. Huge concern seen for employees. Companies are paying the employees even when closed. b. Right sizing will happen c. Safety of employees and customers is becoming a major point of focus. d. This is possible because they have reserves of funds, etc that have been built up over the years. *B. Medium and Small businesses.* a. They have to work with thin capital reserves. Excess capital is taken out of the business and applied into personal assets. b. Small businesses take out the surplus and purchase personal assets instead of re-investing in the business. There are various factors and motivations here. c. Because of this, they are unable to meet the cash expenses of even the next month. e. Medium and Small business need to have a look at how they can build some business reserves to endure such disruptions. *“Force Majeure” in Contracts* 1. Should *force majeure* clauses be triggerd in various contracts like rent, supply, etc? It will lead to litigation, but there is no point in getting into litigation now. 2. All parties have been affected by the crisis. The tenants, the landlords, the lenders/financiers, etc. 3. Parties need to sit across the table and find a common ground and mutually decide upon the costs, rentals, etc. Burden has to be shared. *Work From Home Scenario* 1. It is possible for lot of employees to not visit the office and still be productive. 2. Telecoms and ISP will be singing Halleluyia to the banks 3. Parents can take care of children more effectively . There can be dark hours when no calls will be made, etc., *Optimism* As per a McKinsey survey of entrepreneurs released few days ago, 67% of African entrepreneurs are optimistic, 53%, while only 37% of Asian entrepreneurs are optimistic. It seems to be a mild U-Curve for some African economies. But the descent has not stopped yet. |
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