Youth Community

Dear Africans,

We have spent too long talking about change. It’s time to act.

As our Founder, Tony O. Elumelu CFR, ( Elumelu) reminds us: “Your idea can transform Africa. Let’s stop talking and let’s start doing.”

Set one clear target.
Take a bold step today.
Ship something that creates real value.

African entrepreneurs, only Africans can develop Africa—your work compounds.

Start building.

🌟 Unlock Your Path to Financial Freedom! 🌟

Are you looking for expert tips on investing, savings, real estate, and exciting job opportunities? Join our exclusive WhatsApp channel where we share top-notch insights and strategies to help you achieve your financial goals.

Don't miss out on valuable information that can transform your financial future.

👉 Click here to join now https://whatsapp.com/channel/0029VawgLhoAjPXEpdbTIp3u and start your journey towards financial independence!

START INVESTING THIS OCTOBER with Just N10,000.

How to start -

1️⃣ Download a stock investment app like Yochaa, Meristem, Bamboo, ARM Stocktrade, Trove, Stanbic IBTC, Chaka, Afrinvest, LeadTrader, etc.

• They are all good. You only need one to begin.
• They are all available on Google Play Store and Apple App Store.

2️⃣ Register on the app

• Sign up using your BVN and a valid means of identification.
• Complete the verification process.
• The apps are easy to navigate, so take time to read through the instructions.

3️⃣ Deposit your ₦10,000
• Use the “Fund Account/Wallet” option in the app.

4️⃣ Buy shares
• As a beginner, start with strong, popular companies like Dangote Cement, Zenith Bank, Honeywell Flour, etc.

5️⃣ Track your investment
• Check performance once in a while (once every 2 weeks or monthly is fine).

6️⃣ Keep adding little by little
• Add a small amount monthly to buy more of the stocks you already own, or new ones.
• Be patient. Stocks grow over time, not overnight.

✅ Start this month and let your money begin working for you.

✅ You are an upcoming legitimate billionaire. See you at the top.

YOU CAN START THIS OCTOBER

1️⃣ Stocks (Shares of Companies)

• Platforms: Meristem, Bamboo, Chaka, Trove, Stanbic IBTC

• How to start: Download one of the apps, complete your KYC (ID + BVN), deposit ₦5,000, and buy fractional shares of strong companies in Nigeria or abroad (e.g., GTCO, Dangote, Honeywell, Zenith, etc.).

2️⃣ Mutual Funds

• Providers: ARM, Meristem, FBNQuest, Stanbic IBTC Asset Management, etc.

• How to start: Visit their website or download their app, open an investment account, and put in ₦5,000 in money market or equity funds. Returns are usually higher than normal savings.

3️⃣ Fixed Savings

• Platforms: Piggyvest, Cowrywise, FairMoney, OPay, PalmPay, etc.

• How to start: Download any of the apps, lock your ₦5,000 in their “Safelock” or fixed deposit options, or invest in their mutual funds. You’ll earn interest while building financial discipline.

4️⃣ Treasury Bills (Indirectly)

• Direct Treasury Bills often start from ₦100,000, but with ₦5,000 you can buy fractional Treasury Bills through apps like Bamboo, i-invest, Afro Investor 2.0, etc

• How to start: Select “Treasury Bills, T-Bill or whatever never they use for it on the app. Look at the tenor and the interest and make your decision.

✅ Don’t wait until you have ₦100,000 before you start investing. With just ₦5,000, you can begin building an investment portfolio, step by step, for the sake of your future.

Success is not for those who quit — it belongs to those who rise, persist, and press on with grit.

Founder, Tony O. Elumelu CFR (Tony Elumelu), reminds us that discipline, passion, and resilience define true achievers.

To every young African: keep your eyes on the goal, stay undeterred in the face of challenges, and let grit carry you through.

Wishing you a week of courage, progress, and good fortune

“They Threw Me Out on the Street With My Baby — But The Day I Returned, I Was the Owner of the House.”

📖 Written by Olowe oluwafemi Fatai

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PART ONE: THE BETRAYAL

I was only 19 when I got pregnant. My parents, ashamed, called me a disgrace. One rainy night, they threw me out with my newborn baby wrapped in a torn cloth.

I knocked on doors for shelter, but no one opened. I stood in the rain, my baby crying in my arms, while neighbors whispered:
“Her life is finished.”

That night, I promised myself: “If I survive this, my tears will one day be my testimony.”

---

PART TWO: THE STRUGGLE

Life on the streets was brutal. I begged, I washed clothes, I sold oranges on the roadside — anything to feed my child.

Many times, I thought of giving up. But whenever my baby’s tiny hands touched my face, I found strength.

I saved every coin. I started frying puff-puff by the roadside. From puff-puff, I grew into a small kiosk. From a kiosk to a shop. Step by step, I climbed.

I faced insults, rejection, and hunger — but I refused to quit.

---

PART THREE: THE TURNING POINT

Years later, with consistency and grace, my business grew. I began to supply foodstuffs in bulk. I built connections, expanded across towns, and soon, people who once mocked me were buying from me on credit.

Still, I carried the scars of that rainy night.

---

PART FOUR: THE RETURN

One afternoon, I heard that the same house I was thrown out from — my parents’ house — was being auctioned. Debts had swallowed it, and they had nothing left.

I went quietly, signed the documents, and bought it.

When I entered the compound as the new owner, my parents and relatives were in shock. My mother wept uncontrollably, while my father hid his face.

I looked at them and said:
“The same girl you threw out with a baby is now the woman who owns this house.”

---

PART FIVE: THE LESSON

I didn’t throw them out. I renovated the house and gave them a room to stay. Not because they deserved it, but because I wanted them to learn:

“Never despise a rejected stone, for tomorrow it may become the cornerstone.”

Don’t Make These Mistakes as a Public Speaker...

Public speaking is a skill, but one wrong move on stage can destroy your impact.

Here are 10 mistakes every speaker must avoid, if you want to stand out and be remembered:

1️⃣ Lack of Preparation: Winging it is the fastest way to fail. Preparation gives you authority.

2️⃣ Overloading with Information: Don’t confuse your audience. Simplicity sticks better than complexity.

3️⃣ Speaking Too Fast or Too Slow: Pace is power. A rushed speech loses clarity, a sluggish one loses attention.

4️⃣ Ignoring the Audience: Public speaking is not about you, it’s about them. Engage, connect, interact.

5️⃣ Poor Body Language: Your words matter, but so does your posture, gestures, and eye contact.

6️⃣ No Clear Structure: A speech without direction is like a car without a driver. Organize your points.

7️⃣ Overusing Filler Words: “Um, uh, you know…” weaken your presence. Train to reduce them.

8️⃣ Failing to Manage Time: Respect the clock. A good speech ends before the audience wishes it would.

9️⃣ Reading Word-for-Word: Notes can guide you, but reading kills authenticity. Speak, don’t recite.

🔟 Weak Opening & Closing: Start with fire, end with impact. The first and last words are what people remember most.

Great speakers aren’t those who never make mistakes, they are those who learn and avoid them.

Master these, and every stage will open to you.

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HOW TO INVEST #10,000 THIS SEPTEMBER

Option 1️⃣: Invest ₦3,500 in ONE of these Oil & Gas companies:

• Oando Plc [Stock Name: OANDO]
• TotalEnergies Plc [Stock Name: TOTAL]
• Eterna Plc [Stock Name: ETERNA]
• Conoil Plc [Stock Name: CONOIL]

Option 2️⃣: Invest 3,500 in One of these Consumable Goods companies

• Bua Food Pls [Stock Name: BUAFOODS]
• Dangote Cement Pls [Stock Name: DANGCEM]
• Honeywell Flour Mills Plc [Stock Name: HONYFLOUR]
• Vitafoam Nigeria Plc [Stock Name: Ticker VITAFOAM]

Option3️⃣: Invest N3,000 in Banking Companies

• Guaranty Trust Holding Company Plc [Stock Name: GTCO]
• Zenith Bank [Stock Name: ZENITHBANK]
• Stanbic IBTC Holdings Plc [Stock Name: STANBIC]
• Access Holdings Plc [Stock Name: ACCESSCORP]

✅Bonus: If you don’t know how to start, this is how to:

1. Choose a licensed stockbroker: Meristem, ARM Stocktrade, Bamboo, Chaka, etc.
2. Register with your chosen broker
3. Fund your account
4. Buy shares

THE HARDEST PART OF MARRIAGE YOU WON’T BE TOLD: Marriage is beautiful when viewed from afar. You see the smiles of couples celebrating anniversaries, the display of affection between newlyweds, and the glamour of grand weddings, and you think,

“I want this.” But when you step into marriage, you quickly realize that what is behind number six is more than number seven — there is far more depth and responsibility than meets the eye.

Many prepare so well for the romantic aspects of marriage but fail to prepare for the realities of it. The truth is this: the hardest parts of marriage play a more dominant role in sustaining a union than the romantic moments ever will.

Romance can ignite love, but what breaks most marriages is not the absence of romance; it is the couple’s inability to withstand the hardest parts of marriage.

Below are five of the hardest aspects of marriage that many people will not tell you, but you must prepare for if you want a lasting and fulfilling marriage:

1. STAYING FAITHFUL
Faithfulness in marriage goes beyond promises made on the wedding day; it requires discipline, intentionality, and spiritual maturity.

It’s often easier to abstain from s*x when single if you have never experienced it, but after marriage, remaining faithful becomes a real test when intimacy is denied without cause.

Temptations become louder when you know how s*x feels, and others outside your marriage are willing to give what you lack at home.

Hebrews 13:4 says, “Marriage is honorable among all, and the bed undefiled; but fornicators and adulterers God will judge.”

In today’s world, where infidelity is normalized, staying faithful requires more than love; it requires a deep reverence for God, commitment to your spouse, and control over your desires.

If you lack self-control while single, marriage will not automatically fix it. If you are easily enticed now, the wedding ring will not make you disciplined. Marriage does not cure adultery; a renewed mind, self-control, and fear of God do.

Proverbs 5:18 says, “Let your fountain be blessed, and rejoice with the wife of your youth.” True joy comes from valuing the one you’ve committed to and resisting the temporary pleasures that can destroy a covenant.

2. SEXUAL ISSUES
S*x is God’s gift to marriage, created to strengthen intimacy, but when mishandled, it can become a source of frustration and division between couples.

Sometimes, one spouse has a high desire for intimacy while the other can go weeks or months without it. One partner may be inexperienced, while the other is far more knowledgeable.

Without open communication, patience, and mutual understanding, these differences can create rejection, resentment, and even temptations outside the marriage.

1 Corinthians 7:3-5 says, “Let the husband render to his wife the affection due her, and likewise also the wife to her husband… Do not deprive one another except with consent.”

Virginity before marriage is a blessing, not a burden. It protects you from premature exposure, distorted desires, and unrealistic expectations. But even for those with past experiences, s*xual discipline and learning together as a couple are key.

Discuss your needs openly and without shame. Be patient with each other’s differences in desire..Never use s*x as a weapon of manipulation or punishment.

S*x is not merely a physical act; it is a spiritual bond and covenant. When handled with love, patience, and respect, it strengthens the unity of marriage.

3. MONEY MATTERS
Money is one of the most sensitive and divisive issues in marriage. It can build a home or tear it apart, depending on how couples manage it.

Ecclesiastes 10:19 says, “Money answers everything.” While it can make life easier, poor financial management can destroy the strongest relationships. Before and during marriage, couples must discuss their views about money: Do you see finances as “ours” or “mine”?

Are you financially transparent, or do you hide incomes, debts, and assets? Are you ready to plan budgets together and live within agreed limits? Do you secretly build wealth while depending on your spouse’s income?

Some women adopt the mentality, “My money is mine, but your money is ours,” while some men refuse to work hard yet insist on controlling household spending. Both extremes weaken trust and breed resentment.

Proverbs 21:5 says, “The plans of the diligent lead surely to plenty, but those of everyone who is hasty surely to poverty.”

Financial unity is not about who earns more but about building trust, planning wisely, and working as a team. When couples communicate openly about money, they avoid suspicion and create peace in the home.

4. UNMET EXPECTATIONS
Unrealistic expectations silently destroy marriages. Many go into marriage with pictures painted by movies, social media, or cultural assumptions, only to meet a different reality..

If you imagined your wife would remain slim forever, but pregnancy changes her body, can you still love her the same way?

If you believed your husband would always be available and romantic, but his work requires long absences, can you adjust? If you expected daily excitement, but routines take over, will your commitment remain?

Philippians 4:12-13 says, “I have learned in whatever state I am, to be content… I can do all things through Christ who strengthens me.”

Marriage demands flexibility, grace, and acceptance. If you hold on to unrealistic expectations, disappointment and frustration are inevitable. Couples should:

Discuss expectations openly before marriage.
Revisit them during marriage as life changes occur. Prepare for storms just as much as sunshine.

Life will bring change — pregnancies, career transitions, financial challenges, and even health issues. Maturity and adaptability are what keep a marriage strong when seasons shift.

5. HANDLING DIFFERENCES
Every marriage involves two different individuals with different personalities, backgrounds, values, and habits. Differences are inevitable, but what determines the success of a marriage is how couples handle those differences.

Amos 3:3 asks, “Can two walk together, unless they are agreed?” Agreement does not mean uniformity; it means learning to compromise without losing respect for one another.

If he presses toothpaste from the middle and you prefer from the base, can you overlook it?
If she likes her food cold and you prefer it hot, can you adjust?.If your upbringings and habits clash, can you find common ground without forcing change?

When differences are mishandled, they lead to frustration, resentment, and in many cases, divorce. But when handled with love, humility, and patience, differences can strengthen intimacy and deepen understanding.

FINAL THOUGHTS
Wedding ceremonies are exciting, but marriage is a lifetime journey. Beyond the glamour, there are storms, trials, and tests that require preparation.

Matthew 7:24-25 says, “The rain fell, the floods came, and the winds blew… but the house built on the rock stood firm.” To build a marriage that lasts, prepare your heart, mind, and spirit for challenges such as:

√ Delay in childbearing
√ Financial crises
√ Job loss or relocation
√ In-law conflicts
√ Spiritual battles and testing seasons

Finding the right person is hard, but staying married takes greater strength, grace, and intentionality. Prepare not just for the romance but for the realities.

When the winds blow and the floods rise, your marriage will stand if it is built on understanding, discipline, patience, and God’s foundation.