Holdings in Three Arm Business Investments, a Path to Financial Freedom

By: Balami Lazarus

Long-term investments have never been the likes of most Nigerians. In fact, few have come to realize the secret of letting my money work for me through my investments in some going concerns (businesses).

Good and profitable investments in the three businesses

Arms will go a long way for financial independence and freedom.

Let me draw your attention to life in the jungle where rules are conditioned based on territorial control. The honey badger, the most fearless of all animals, has no respect for territories, including the swamps where crocodiles are kings. The Honey Badgers have long realized that their physical strength and ability do not lie in their size but in their biological capacity and anatomical system to do what they are used to doing at ease among other animals in the wild.

Similarly, if you invest and take a position in the three business investments, no doubt your returns on investments (RoI) will give you the desired results to control and rule without territorial limits in your domestic affairs and the environment.

I am not a business owner but a part owner of some businesses. One thing I know, and I always do, is to continue to develop and improve myself with knowledge in business investments for financial freedom and independence, considering my attitudes for self-freedom for when to do and/or not to do. Reasonably, you can exhibit this financial freedom through your returns on investments (RoI).

This has taught me what to do and when. It has further educated me on how, when, and where to invest—short or long-term period. I have also learned to develop some businesses and lease them out to other people to run them.

The information age has these days made making money through investments much easier and cheaper for those who want to be financially independent if tomorrow comes, most times with a modicum of health.

challenges.

Investment benefits will improve and

stabilized your mental and social life; an alibi to aging gracefully when the body is tired, weak, and fragile.

What are these three (3) arm investments? The phrase is my coinage, which simply means property (real estate), agriculture, and stocks. While some called it business streams. However, the good

The thing about investments is that an investor is making money in other businesses and is free from being part of the management of the business.

Therefore, the objective of every business investment is to translate them into financial gains. That is why core investors are always on the lookout for investment opportunities to put their money in and become part owners of the business concerns.

This piece, I believe, will be food for thought for wise minds. Better late than never.

Balami, Publisher/Columnist 08036779290

Holdings in Three Arm Business Investments, a Path to Financial Freedom

Companies: Season of Dividends Declaration and Payments for Her Shareholders Worth Billions of Naira

By: Balami Lazarus

This piece made me recall my attempt to write the Chartered Institute of Stockbrokers (CIS) examinations years ago that I cannot remember now. I deliberately failed to continue with no reasons to give or shift blame as an escape route, which humans many do to console themselves of their failures. I (the writer) have learned never to do that.

However, no knowledge or experience is a waste for a wiseman. Hence, this work is derived from the knowledge gotten from the handouts and books I read on capital, equity, and/or stock market investments, where patience is the guiding principle as an investor taking into consideration this formula: Money > Units (Stocks) × Time + Patience = capital appreciations/dividends.

Many Nigerians are unaware of this equity/capital market. And if they do, they lack knowledge on what to do and how to invest in this market (kasuwan hanun jari).

It will shock you to know that there are so many share certificates in the hands of the citizens, amounting to thousands of units of shares worth billions of naira put together, laying fallow, not knowing what to do with them.

For I have seen many and assisted friends and relatives on what to do. Thanks for the digitalization of the market; it has made things much easier for investors and traders, including dividend payments currently taking place.

And surprisingly, there is over $190 billion in unclaimed dividends in the coffers of the federal government under the watch of the Securities and Exchange Commission (SEC), which is the regulatory body.

This large amount of money came as a result of some shareholders not knowing how to claim their dividends. While others may be due to the attitudes of procrastination.

The Nigerian Stock Exchange (NSE), now officially Nigerian Exchange Group Plc, which is run as a public liability company guided by the Companies and Allied Matters Act (CAMA), with its nomenclature as (NGX), also has her stocks traded on the exchange floor at Lagos.

I will not say much on the NGX. But be informed it is the trading floor of public companies’ stocks listed with the exchange where traders and investors can buy and sell their stocks or simply shares from Mondays to Fridays (5 times) in a week from 9am to 2pm daily.

Every year most companies hold their Annual General Meeting (AGM), informing their shareholders of the progress of their companies and whether or not to declare dividends to their shareholders depending on the strength of profits after tax (PAT) to those whose names appear on the list of the company registrars before the date of declaration.

The season of dividend declarations is most times done in April through June of each year. However, companies’ dividends vary in the sum of money paid to their shareholders depending on their units’ holdings in each company as part owners.

Dividends have added monetary value to shareholders and, by extension, improved the capacity of small- and medium-scale businesses in the economy because of the large amounts of money that have been paid into their various accounts either as individuals or as business enterprises.

Investors and capital market watchers are one group in society that is better informed on this segment of the Nigerian economy. And the investing group of citizens are making millions upon millions of naira from their investments in the market.

Take Guaranty Trust Company (GTCO) Plc, owners of Guaranty Trust Bank, as an example. Having declared a dividend of 11.67kobo per share for her shareholders. And assuming you, the reader, have a shareholding of only 1 million units. #11.67k x 1m = to #11,670,000 less 10% withholding tax (WHT), you will be credited with #10,503,000 your dividend as return on investment (RoI) on 28th April 2026 payment date.

What a profitable investment/dividend payment season.

Balami, Publisher/Columnist. 08036779290

Companies: Season of Dividends Declaration and Payments for Her Shareholders Worth Billions of Naira

Jos: Living in Conflicts and Crisis for a Quarter of a Century: Where Peace Became Paranormal Stranger (2)

By: Balami Lazarus

How do we find lasting solutions to the conflicts and crises in Jos? How do we go about the general insecurity facing the nation? While the utterances of some highly placed Nigerians like Godswill Akpabio, Nuhu Ribadu, Sheik Gumi, and others are fuelling this aged monster called

insecurity and its perpetrators that is burning us to the third degree.

I have radical lasting solutions to the conflicts and crises in Jos. And the general insecurity we allowed ourselves to be webbed in it.

The lingering civil unrest in Jos has fast-forwarded the insecurity in the city. It has also intensified killings, kidnapping, banditry, and terrorism in guerrilla-style attacks, as in the case of Ungwan Rukuba, 29th March, 2026.

Reportedly, there are lots of guns in the hands of many citizens of Plateau State unlicenced. In fact, Nigerians are now leveraging the provisions of the law for self-defense.

But how far and to what extent can we defend ourselves against these bandits or terrorists that are armed with sophisticated firearms? While in Jos, they (terrorists/bandits) are taking advantage of our disunity to launch mayhem on us living in the city.

The recent attacks by unknown gunmen in the city center (Ungwan Rukuba) show the extent of how we have failed in our unity. And that allegedly no arrest has been made. Rather innocent youths of the said area were arrested and are now treated as suspects of the gruesome killings.

Now let me begin to reel out my radical solutions on these issues that have eaten deep into our bone marrows.

Indeed, the need for well-equipped and armed standing state and local government police is a necessity for state security and protection of lives and property of the citizens that will in turn propel

and enhanced our national security, because this issue has engulfed the country.

The conflicts and crises in Jos have always been generated from within by some individuals or groups of persons who lack peaceful coexistence in their DNA.

The immediate thing to do is for each and every ward to organize, train, and arm their vigilante groups with assault rifles. An example of one such group is the Civilian Joint Task Force (CJTF) of Maiduguri in Borno state. This vigilante group is doing well in protecting the city. I commend them.

I hereby believe the application of the method aforementioned will bring back peace as a permanent resident in Jos but not as an itinerant. Because it is only in the Jos Plateau that peace is always travelling, and you hear us saying, “Peace has returned.”

The government and the people are now paying dearly for the consequences of the inactions and deliberate refusal of the recent past and present administrations—federal and state—to take decisive actions to bring an end to these compounded insecurities destroying the polity.

I am one individual who holds strong beliefs and believes in radical ways of finding solutions to problematic issues.

Using Plateau State as an example, where incessant killings are a permanent feature. Therefore, Nigerians should begin to agitate for the breakup of the country through peaceful means like a referendum or restructuring of our systems for a better Nigeria, on the one hand. It is now the right time for regions or groups to begin the process of secession as radical change for the good of the balkanization of the country, on the other.

Whereas if and when two can no longer live together in an agreed-upon and peaceful atmosphere, having exhausted reasonable avenues. What will be the next action?

And here we are. What are we going to do? Tell me sincerely and truthfully.

Balami, Publisher/Columnist 08036779290

Jos: Living in Conflicts and Crisis for a Quarter of a Century: Where Peace Became Paranormal Stranger (2)