New Year, New Money Moves: Stock Market Takeaways for 2026

 

📈 New Year, New Money Moves: Stock Market Takeaways for 2026 💰

By: Dr. Salihu Lukman

As we step into a new year, one truth keeps getting louder: money that sleeps loses value; money that works grows.

Here are some powerful stock-market lessons worth carrying into 2026 👇

1️⃣ Stocks are not just risky — they are powerful wealth builders.

Despite volatility, stocks remain one of the best vehicles for capital preservation and massive appreciation. The wealthy understand this deeply.

Take Femi Otedola, a dollar billionaire: he bought GEREGU Power at its IPO in 2022 for ₦100 per share and exited recently at about ₦1,141.50 — earning billions of naira. Another heavyweight, former Zamfara governor Abdulaziz Yari, stepped in afterward.

Now pause and study this carefully: some of the top 10 performing stocks in 2025 delivered between 272% and 1,354% returns in just one year. This is not luck — it’s strategy.

2️⃣ How you place your trade matters more than you think.

From 4 months of close, real trading experience, here’s a golden rule:

🔹 Avoid buying or selling at market price. It often kills instant profit opportunities.

🔹 Always check the order book before trading.

The order book shows you what buyers are bidding and what sellers are offering — real market intentions, not averages.

Platforms like Cowrywise make this very clear. With the order book, you can place limit orders, choose how long your order stays active, and squeeze more value from every trade. Truly, experience is the best teacher.

3️⃣ Fundamentals + price history = smarter profits.

Always aim for fundamentally sound companies (strong financials, leadership, and prospects) with a track record of price performance.

From my observations, solid stocks fall into three broad patterns:

• 📈 Progressive growers with minor dips (e.g. BUAFOODS, EUNISELL, FIDSON).

• 📉 Strong companies with long price stagnation or decline — better for patient, long-term investors (e.g. Transcorp, Accesscorp, Oando).

• 🔄 Fluctuating but appreciating stocks, common with banks (GTCO, Zenith, NAHCO), great for both trading and long-term strategies depending on your goal.

Before buying any stock, check at least its 1-year or 5-year price chart. You’re in the market to make money — so plan to maximize it.

4️⃣ Never forget: risk is real.

Stock investing rewards knowledge, not assumptions. Just recently, Aso Savings & Loans and Union Homes lost their operating licenses. Shareholders must now wait for NDIC liquidation — if funds remain.

👉 Due diligence is not optional.

5️⃣ Eyes on 2026: potential golden IPOs 👀

Start positioning your mind (and capital) for these expected listings:

• Dangote Oil Refinery

• Dangote Fertilizer Company

• NNPCL

Dangote plans to float only about 10% of the refinery, with dividends promised in U.S. dollars — a strong hedge against inflation. Many analysts believe this could become the golden stock of the Nigerian market.

📊 For context:

• The stock market gained about 37% in 2024

• It surged to about 51% in 2025, despite volatility

2026 holds even stronger promise.

6️⃣ Diversification is not optional — it is protection.

With over 140 companies listed on the Nigerian Stock Exchange (NGX) and dozens of them being fundamentally sound, do not limit yourself to just a few familiar names. The more (quality stocks), the merrier.

Spread your investments across different categories — NGX 30 Index, Lotus Islamic Index, Consumer Goods, Growth Index, Premium Index, etc. — based on your conviction and investment goals. This strategy helps consolidate gains and reduce risk over time. If one or two stocks underperform or even go under, strong performers in other sectors will neutralize the impact, keeping your portfolio healthy. The attached pie chart illustrates a simple example of smart diversification.

7️⃣ Master your entry and exit: buy the dip, don’t sell the red.

Your entry point into any stock is critical. Buying quality stocks after a price dip allows you to enter at a discount. Remember, the market naturally moves between bullish (up) and bearish (down) cycles, driven by changing market dynamics. Not all stocks experience prolonged bearish trends, and the only reliable way to identify a genuine dip is by reviewing the stock’s historical price performance chart.

Also, watch closely for Public Offers (POs), Rights Issues (RIs), and Initial Public Offers (IPOs) of fundamentally sound companies. These often provide excellent entry points at discounted prices. For instance, TIP currently has an ongoing PO and RI that ends tomorrow, while FIDSON has just announced a RI. IPOs, in particular, often see price appreciation shortly after listing.

As much as possible, avoid selling stocks in red (at a loss)—provided the company remains fundamentally sound and is not going under, as was the case with Aso Savings and Loans, which was recently shut down. You are in the market to make profits, not to lock in losses. Be patient, allow time for recovery, and sell when the stock turns green (profitable), if you choose to exit.

Do not panic during price drops. Volatility is a permanent feature of the stock market. The market rewards the patient and informed, not the impulsive. If checking your portfolio daily gives you negative vibes, step back—long-term investing does not require daily emotional monitoring.

That said, selling at a loss can sometimes be strategic. If careful analysis shows that exiting a losing position will free capital for a stronger opportunity whose gains can offset the loss, then selling in red may be justified. Remember: a loss remains theoretical until you sell.

🌅 CONCLUSION:

The stock market rewards knowledge, patience, and discipline — not emotions or shortcuts. Wealth is rarely built overnight, but it is consistently built by those who learn the rules, study the patterns, manage risks, and position early.

2026 is not a year to sit on the sidelines. It is a year to plan intentionally, diversify wisely, trade intelligently, and invest with conviction. Let your money stop resting and start working for you.

📈 The market does not move money from the rich to the poor — it moves money from the impatient to the informed.

Be informed. Be prepared. Be positioned.

Let your money start working for you — not against you.

If you found this valuable, like, share, and save this post — and tag someone who needs to start 2026 on a smarter financial path.

More Than a Game: How Ludo Sharpens the Mind, Counters Cognitive Decline, and Restores Human Bonding in the Age of Screens

Ludo, a game invented in India, modified and commercialized in England, has always fascinated me—not merely as a pastime, but as a living classroom for probability, risk-taking, strategy, and the intelligent deployment of the mind. Anyone who has played Ludo seriously, especially when it is a two-player game occupying opposite houses, knows that winning goes far beyond luck. It is about thinking ahead, reading probabilities, managing risk, and timing moves with mathematical intuition.

In Ludo, every roll of the dice is a probability experiment. With two dice, the numbers you hope for are not equally likely. Low numbers like 1 or 2 are actually rare, while numbers like 6, 7, or 8 are more probable because they can be formed in multiple ways. For example, 7 can be obtained as (1+6, 2+5, 3+4, 4+3, 5+2, 6+1) — six different combinations — whereas 2 can only come from (1+1). This simple mathematical truth changes how a smart player plans: when to release a seed, when to block an opponent, when to take calculated risks, and when to wait patiently.

This same thinking once helped me in real life. I previously wrote about how I unlocked my suitcase whose 4-digit combination was accidentally changed during air travel. I didn’t try numbers randomly. I applied probability and permutation, narrowing down the most likely combinations first, based on how humans tend to set numbers and how permutations work. Mathematics, once again, moved from abstraction to practical problem-solving.

That is the beauty of probability: it trains the mind to estimate outcomes, manage uncertainty, and make better decisions—whether on a Ludo board, in science and engineering problems, or in everyday life. Games like Ludo quietly teach us that success is not about hoping for luck, but about understanding the odds, respecting risk, and playing intelligently.

Mathematics is not distant. It is alive. Sometimes, it even sits quietly on a Ludo board, waiting for those who can see it.

Ludo enhances intelligence and helps reduce cognitive decline, especially in older adults, by constantly engaging the brain in counting, probability assessment, memory, and decision-making. Each move requires players to evaluate risk (whether to advance, block, or capture), anticipate opponents’ responses, and recall patterns of dice outcomes, which stimulates executive functions and working memory. The social interaction involved also reduces stress and loneliness—both known risk factors for cognitive decline—while the repetitive yet strategic nature of the game strengthens neural connections, helping to keep the mind sharp, active, and resilient with age.

Ludo enhances physical interaction and social cohesion by bringing people together around a shared physical space, encouraging face-to-face conversation, laughter, eye contact, and healthy competition—things often lost in a world dominated by smartphones and smart TVs. Sitting together to play fosters bonding across ages, strengthens family and community ties, and creates moments of collective joy and cooperation. In an era of digital isolation, Ludo serves as a simple but powerful tool for reconnecting people, rebuilding social warmth, and restoring the human element of play.

Conclusion

In conclusion, Ludo reminds us that intelligence, mental agility, and human connection do not always require complex technology or sophisticated tools. Through simple dice rolls and deliberate moves, the game quietly trains the mind in probability, strategy, patience, and risk assessment, while simultaneously fostering face-to-face interaction, laughter, and shared presence. In an era dominated by screens and digital isolation, Ludo stands as a powerful counterbalance—preserving cognitive health, strengthening social bonds, and reaffirming that some of life’s most profound lessons are learned not from devices, but from thoughtful play around a table. Try playing it with your family or friends and thank me later.

Halal Investment Options In Nigeria — Grow Your Wealth The Halal Way

In today’s Nigeria, you can grow your money without compromising your faith.

From the Nigerian Exchange (NGX) to apps like Afrinvest and Cowrywise, there are now multiple Shariah-compliant (Halal) investment options available for Muslims and ethically conscious investors.

Here’s a breakdown 👇

⿡ Halal Stocks on NGX

Invest directly in companies that meet Islamic finance criteria — free from interest-based banking, gambling, alcohol, and other non-halal activities.

You can find these through the NGX-Lotus Islamic Index (NGX-LII) — a dedicated index tracking Shariah-compliant stocks listed on the Nigerian Exchange screened by a Shari’ah board.

💡 Examples of top-performing Shariah-compliant equities are included in this index and can be accessed via brokers that trade NGX stocks. Currently, there are 11 companies in this index: Dangote Cement, Jaiz Bank, Bua Foods, MTN, NAHCO, NASCON, Lafarge, Aradel, Okomu Oil Palm, etc. There’s no minimum investment amount for these stocks. 

⿢ Halal Exchange Traded Fund (ETF)

An Exchange-Traded Fund (ETF) is a basket of securities—like stocks or bonds—pooled into a single investment that trades on an exchange like a stock, allowing investors to buy and sell shares throughout the day while enjoying diversification and low fees.

🔹 Lotus Halal Equity ETF (LOTUSHAL15)

• Managed by Lotus Capital Limited

• Tracks the NSE Lotus Islamic Index (NSE-LII)

• Invests in screened Nigerian companies following Islamic principles

• Accessible via any broker or app connected to NGX, like Meristem/Cowrywise, United Capital, etc.

• United Capital, a stockbroker, has a Non-Interest market segment which consists of LOTUSHAL15, Jaiz Bank and Tajsuks1 (another Islamic bank, Taj Bank)

• There’s no minimum investment amount. Current market price per share is around ₦75.

✅ Perfect for those who want diversified exposure to halal stocks in one click.

⿣ Halal Mutual Funds (Professionally Managed Portfolios)

A Mutual Fund is a professionally managed pool of money from many investors that’s collectively invested in diversified assets such as stocks, bonds, or Sukuk. 

🟢 Afrinvest Halal Fund

• Managed by Afrinvest Asset Management

• Open-ended mutual fund investing in Sukuk, Shariah-compliant equities, and non-interest bank deposits

• Minimum investment: ₦1,000

• Benchmark returns: ~19% per annum (varies with market)

📱 Available on: Afrinvest and Cowrywise apps

🟢 FSDH Halal Fund

• Managed by FSDH Asset Management

• Invests primarily in Sukuk and other fixed-income halal instruments

• Minimum investment: ₦5,000

• Returns: ~15–17% p.a. (fixed-income style)

• Focus: Beat inflation with stable, ethical returns

📱 Available on: FSDH platform

🟢 Stanbic IBTC Shari’ah Fixed Income Fund

• Invests 70%+ in Sukuk and 30% in other halal instruments

• Offers relatively low-risk exposure

• Ideal for investors seeking steady halal income

• Minimum investment: ₦5,000

• Returns: ~15% p.a.

📱 Available on: StanbicIBTC app

🟢 Lotus Halal Fixed Income/Investment Fund

• Managed by Lotus Capital Ltd

• Flexible minimums (retail-friendly)

• Typical returns: 11–20% depending on the market

• Return is paid quarterly for the fixed income and yearly for the investment fund  

• Suitable for those who want halal steady growth without volatility.

📱 Available on: Cowrywise app

⿤ Sukuk (Islamic Bonds)

A bond is a certificate representing a debt where an investor lends money to a borrower (like a government or company) in exchange for periodic interest payments and the repayment of the principal on a maturity date.

A Sukuk is an Islamic financial certificate that represents fractional ownership in a tangible asset or business venture, providing the holder with a share of the profits or rental income generated by that asset instead of interest.

If you prefer fixed, predictable returns, these halal bonds are great:

🇳🇬 FGN Sukuk (Government Islamic Bond)

• Offered by Debt Management Office (DMO)

• Minimum: ₦10,000 (in multiples of ₦1,000)

• Return: ~19.75% per annum, paid twice yearly

• Available through banks, brokers, or SEC-approved agents

🏦 TAJBank Mudarabah Sukuk Bond

• Offered by TAJBank

• Minimum: ₦100,000

• Return: ~20.5% per annum

• Available during offer periods directly from TAJBank

How to Start Investing (Step-by-Step)

⿡ Choose your halal option (Stocks, ETF, Sukuk, or Mutual Fund)

⿢ Confirm it’s Shariah-certified (all listed above are screened)

⿣ Open an account via the fund manager, Afrinvest, Cowrywise, Meristem, United Capital, etc.

⿤ Provide your ID & BVN for KYC. You may choose to wait until your brokerage account is created within about 48 hours with CSCS (account number with the broker) number and CHN (brokerage BVN). You can open many brokerage accounts with different brokers and CSCS (Central Securities Clearing System) numbers, but your CHN (Clearing House Number) should remain the same.

⿥ Fund your account and start earning ethical, halal returns

The Takeaway

(1) Halal investing in Nigeria is no longer a dream — it’s real, regulated, and accessible.

Whether you want the flexibility of ETFs, the safety of Sukuk, or the steady growth of mutual funds and stocks, you now have purely halal choices. The quoted returns could vary based on the market. A grand summary is presented in the table below/attached.

(2) Target a diversified portfolio consisting of stocks, Sukuk, mutual funds, and ETFs. 

(3) See the top gainers and losers for the month of October 2025 alone on NGX from INVESTDATA. The list includes at least 3 of the NGX-Lotus Islamic Index companies (Dangote Cement, MTN, Aradel) among the top gainers. You can imagine increasing your wealth by 27% in just one month. 

✨ Invest consciously. Grow peacefully. Earn halal.

AFIT, NDA & ABU-DLC: Exploring Nigeria’s Silent Academic Giants Beyond ASUU Strikes

Yesterday, after sharing my reflections on my son Muhammad’s matriculation into 100 Level, B.Eng. Aerospace Engineering at the Air Force Institute of Technology (AFIT), Kaduna, many readers reached out to know more about this unique and not-so-popular institution. Their curiosity prompted me to write this post, not just about AFIT, but also about two other equally outstanding institutions — the Nigerian Defence Academy (NDA) and Ahmadu Bello University Distance Learning Centre (ABU-DLC) — that are redefining higher education in Nigeria in quiet but remarkable ways.

1️⃣ Air Force Institute of Technology (AFIT), Kaduna

AFIT’s story is both inspiring and instructive. It began in 1977 as the NAF Technical Service School (TSS), was upgraded in 2004 to award OND (Ordinary National Diploma), and was renamed AFIT in 2008. For years, it awarded OND and HND qualifications until 2017, when it transitioned into a degree-awarding institution, now offering undergraduate, postgraduate diploma (PGD), and master’s programs in engineering, computing, and sciences.

Both civilian students and military officers are admitted, though the officers mostly pursue OND and HND programs.

Pros

✅ No ASUU strikes! Although it’s a public institution, AFIT is not affected by ASUU actions. Some graduates claim that AFIT covers nearly three semesters in a single year, allowing students to graduate faster than their peers elsewhere. Whether or not this is fully accurate, one thing is certain — steady academic progress and timely graduation are guaranteed.

I recall my undergraduate years at Ahmadu Bello University (ABU) between 1999 and 2004 — a period that witnessed a cumulative 16 months of ASUU strikes, delaying our graduation by over a year. Imagine the relief of knowing that your child’s education won’t be interrupted!

✅ Affordable tuition: AFIT’s fees are comparable to those of other public universities. For instance, I paid ₦116,000 for Muhammad’s registration and ₦20,000 for the acceptance fee.

Cons

❌ Highly competitive: This year, only candidates who scored 200 and above in JAMB were invited for the post-UTME. For Aerospace Engineering, the cutoff was around 240 (60%), derived from the combined average of UTME and post-UTME scores. It’s arguably AFIT’s most competitive course.

❌ Name confusion: Some hesitate because it’s called an institute, not a university. But remember, the world’s top-ranked university — Massachusetts Institute of Technology (MIT) — also doesn’t carry “university” in its name. The name does not define the quality.

AFIT currently has four faculties — Air Engineering, Ground Engineering, Computing, and Sciences.

Courses like Aerospace Engineering, which combines both Aeronautical and Astronautical Engineering, are offered — a program even the great ABU does not have yet.

When Muhammad told me he wanted to study Aeronautical Engineering, and we couldn’t find it anywhere close by, I advised him to choose Aerospace Engineering instead. It’s broader, more versatile, and aligns perfectly with his passion.

💡 A word to parents: please don’t force your children into fields they are not interested in. Instead, expose them to multiple disciplines — medicine, law, engineering, computing, sciences, business, etc. — and let them choose their own paths. Guide, don’t dictate. Many bright minds lose their passion because they were compelled to chase their parents’ dreams, especially medicine, not their own.

👉 For more details on AFIT, visit: https://afit.edu.ng/home/

2️⃣ The Nigerian Defence Academy (NDA), Kaduna

Many people think NDA is exclusively a military training ground — but that’s an outdated assumption. Today, NDA is a full-fledged university with five faculties, offering undergraduate and postgraduate (Master’s and PhD) programs to both military officers and civilians.

Its faculties include Engineering, Sciences, Military Science, Arts & Social Sciences, and Management Sciences.

Like AFIT, NDA does not experience ASUU strikes, making it a dependable institution for uninterrupted learning.

Interestingly, NDA offers some unique programs not available in other public universities — for instance, Psychology, which even ABU does not offer at the undergraduate level.

👉 For more details, visit: https://nda.edu.ng/

3️⃣ Ahmadu Bello University Distance Learning Centre (ABU-DLC)

This is another innovative model under the prestigious ABU. The Distance Learning Centre (DLC) allows students to study from home — through video lectures, WhatsApp sessions, and weekend online classes — while writing exams physically at centers across Nigeria, Saudi Arabia, the UK, Dubai, and more.

It offers both undergraduate and master’s degrees, including programs in Economics, Business Administration, Nursing Science, Computer Science, and the popular MBA.

A beautiful feature of the ABU-DLC program is that its certificates are identical to those issued to regular students — there’s no mention of “distance learning” on them.

Pros

✅ No ASUU strikes.

✅ Accelerated study pace: You cover three semesters per year, which means a 4-year program can be completed in less than 3 years.

Cons

❌ Cost structure: It may seem more expensive since students pay per course, but compared to private universities, it’s still very affordable — especially for working professionals who can study flexibly.

👉 For more details, visit: https://abudlc.edu.ng/

Final Thoughts

Nigeria’s higher education system still offers hidden gems for those who seek quality, stability, and flexibility. AFIT, NDA, and ABU-DLC stand out as models of what’s possible — institutions that combine public accountability with private-sector efficiency, all while remaining accessible to ordinary Nigerians.

For me, this journey feels like a full circle — from a young undergraduate who entered ABU with the lowest JAMB score in my class but graduated at the top, to now watching my son walk confidently into AFIT to begin his own engineering dream.

May Allah continue to guide our children, bless their efforts, and grant them success that will surpass ours.

Addendum

I just confirmed that NDA opens its undergraduate courses to cadets only.

From Grass to Grace: A Father’s Reflection on His Son’s Matriculation

Today, my heart is overflowing with emotions. My beloved son, Muhammad, has just been matriculated into 100 Level, B.Eng. Aerospace Engineering at the Air Force Institute of Technology (AFIT), Kaduna. Watching him take this remarkable first step into his future fills me with both pride and nostalgia — it has taken me back more than 26 years, to the day I myself was matriculated into B.Eng. Water Resources and Environmental Engineering at Ahmadu Bello University, Zaria, in 1999.

That moment in 1999 remains one of the most defining experiences of my life — and it was nothing short of a miracle. I can never forget how it all began. Just two days before my JAMB examinations, I fell seriously ill — struck by stomachache and diarrhea that left me weak and helpless. Somehow, I still managed to drag myself to the exam hall at Alhudahuda College. I struggled through English and Chemistry, barely touched Mathematics, and didn’t even open the Physics section. By all human reasoning, I had failed before I began.

But Allah’s mercy is beyond comprehension. When the results came out, I was stunned to see 30 points in Physics, and the other subjects making up an aggregate of 180 — the exact minimum score required for university admission. It remains one of the lowest JAMB scores ever admitted into ABU that year. Yet, with that “impossible” score, I made it into the second admission list of the 1998–1999 session.

And the story didn’t end there — with that humble beginning, I went on to graduate at the top of my class, another miracle that could only have been made possible by Allah’s grace. Indeed, my journey has been a living testimony of the saying, “From grass to grace.”

Looking back today, as I watch my son take his first steps on his own academic journey, I am filled with gratitude. Alhamdulillah for Allah’s unfailing mercy, for the unseen hands that lifted me when I could not stand, and for every stage of grace that has followed since.

I can humbly say that by Allah’s mercy, I have fulfilled all my life ambitions. Yet, my greatest joy today is to see my children beginning their own journeys with hope, faith, and purpose.

So, as I celebrate Muhammad’s matriculation, my heart overflows with dua — that Allah, the Most Merciful, grants him the same divine grace that carried me through, and blesses him to fulfill his ambitions just as I have fulfilled mine. And may this prayer extend to his 10 younger siblings, that each of them may find success, peace, and purpose in all their endeavors.

Indeed, when Allah decrees a thing, He only says to it: “Be,” and it is.

Alhamdulillah for His mercy, guidance, and grace that never ends.

I’m Not a Stock Market Expert — Just a Curious Engineer on a Journey of Financial Discovery

After my recent article encouraging people to consider investing in stocks, I received several messages from individuals asking me to mentor them in stock investing. That really humbled me — but let me be honest with you: I am not a stock market expert.

By profession, I am an academic and a civil engineer, specializing in environmental and water resources engineering. My journey into the stock market didn’t begin with any formal financial background — it began with curiosity.

In May 2024, I decided to start buying a few shares, not with the intention of becoming an investor overnight, but simply to experiment — to test whether it’s really possible to diversify income through passive means.

Eight months later, when I checked the values of those shares, I was pleasantly surprised. Some had grown between 17% and 84% — without me lifting a finger! After a full year, a few of them had appreciated by more than 400%, with an average gain of about 100%.

That experience completely changed my perception of the stock market. I realized that while it’s not a “get-rich-quick” system, it rewards patience, observation, and informed decision-making.

So, in September 2025, I made a personal decision: to study the stock market seriously — not as a trader, but as a lifelong learner who loves to understand how systems work with the hope of becoming an investor.

Every day, I now take time to monitor stock movements, study charts, and try to understand how numbers rise and fall in response to:

•⁠  ⁠Investor sentiments

•⁠  ⁠Government policies

•⁠  ⁠Company reports and earnings

•⁠  ⁠Market corrections and global trends

I’ve also developed an interest in understanding how professionals use upside and downside potentials to issue BUY, SELL, or HOLD recommendations. I try to identify their strengths and practical limitations, and how these metrics evolve based on market realities.

To enrich my understanding, I regularly:

✅ Attend paid webinars hosted by expert traders and stockbrokers

✅ Watch YouTube channels that simplify investing concepts

✅ Read financial reports, analyses, and commentaries from credible sources

All of this, not because I want to become a professional stock analyst — but because I believe that financial literacy is no longer optional. Whether you’re an engineer, teacher, doctor, or student, you owe it to yourself to understand how money works, how it grows, and how to make it work for you.

The stock market may look intimidating at first, but with consistency, curiosity, and a learning mindset, it becomes one of the most rewarding classrooms you can ever enter.

So, no, I am not an expert — but I am a student of the market, and every day brings a new lesson worth learning.

When Engineering Meets Accounting: My Humbling Encounter with Debit and Credit

When you study a science or an applied science-based discipline like engineering, you often develop a subtle tendency to look down on non-science-based courses such as business, arts, or humanities. You feel, perhaps unconsciously, that since you’ve survived the “hard stuff,” everything else should be easier to grasp.

But life has a way of humbling us.

While it’s true that sharp and versatile minds can pick up concepts from outside their domains quite easily, I must confess — venturing into non-science territories hasn’t been that easy for me. Yet, in this complex and interconnected world, thriving requires at least a basic understanding of ideas drawn from multiple disciplines.

Recently, my growing interest in the stock market has pushed me to explore business news, company financial reports, and market analyses more deeply. That curiosity led me to take a closer look at economics and accounting fundamentals — and that’s where I met my match! 😅

One of the most basic accounting concepts — debit and credit — that I thought I already understood from my bank alerts suddenly became confusing in the accounting world. In banking, when money leaves my account, it’s shown as a debit; when money enters, it’s a credit. Simple, right?

But in an accounting balance sheet, these terms take on an entirely different meaning! Now I’m scratching my head trying to reconcile my “bank alert understanding” with the “T-table accounting reality.”

So, my dear friends in accounting and business — I officially call for reinforcements! 😂

Please come to my rescue and help me harmonize these two worlds of debit and credit.

The journey of learning never ends — and sometimes, it takes stepping outside your comfort zone to realize how much there’s still to learn.

Yes, I’m Back to Encourage You to Invest in Stocks

Before anything else, let me be clear — this is not financial advice. I’m only sharing some mind-blowing experiences I’ve gathered from closely monitoring the stock market from September to date.

I’m not a big investor. In fact, earlier this year (January), I wrote an article sharing my six-month experience of simply observing how stocks behave. But something happened in August that reignited my curiosity — a friend told me that some stocks can actually appreciate by more than 50% in just three months.

Honestly, that sounded like a scam to me. I mean, I know stocks can double (or more) in a year, but 50% in three months? That felt like a stretch.

So, I decided to test it myself — monitoring stock prices daily to verify his claim. And guess what? The reality turned out to be even more shocking than what my friend said.

👉 I found out that some stocks can surge over 50 to 100% in just one month!

👉 Some have even soared over 600% in just 9 months!

These aren’t random numbers — they’re real figures drawn from actual stock performance data in January, August, and September, as well as top gainers from January to September this year. Don’t take my words for it. Carefully study each of these factual figures yourself.

Of course, prices fluctuate daily — some rise while others fall — but with patience, discipline, and the right knowledge of fundamentals and technicals, the stock market can reward you beyond imagination.

The key is simple: choose wisely and think long-term.

With the right mindset, your money can literally start working for you while you sleep.

So, if you’ve been sitting on the sidelines, this might be your reminder:

The earlier you start learning and investing, the earlier you can start earning from the power of compounding growth.

Lafiyar ‘Ya Mace Jari

Wannan shiri mai suna a sama, sabon shiri ne wanda daya daga cikin mata na Dr. Fatima Mahmud, kwararriyar likitan mata da haihuwa wato Consultant Obstetrician and Gynecologist take gabatarwa duk ranar lahadi tare da Hannatu Aminu Yero, kwararriyar malaman jinya wato Nurse. Dukkanin su su biyun, ma’aikata ne a asibitin koyarwa a ABU wanda ke Shika wato ABUTH.

 

Shirin ya shafi lafiyar ‘ya mace ne, lalurorin mata na yau da kullum tare da lalurorin su wanda ya shafi haihuwa. Mata, ‘yan mata har da iyaye manya za su qaru sosai da bayanan da ake tattaunawa a cikin wannan shirin. Kai har ma maza za su qaru da wasu daga cikin bayanan. Ga lamban wayan da za a iya tura tambayoyi ta WhatsApp: 08143646953 domin a karanta su a cikin shiri mai zuwa.

 

Izuwa yanzu, sun gabatar da shiri guda tara (9) wadanda suke tare da wannan saqon, sannan kuma za ku iya samun wadannan shirye-shiryen tare da wasu shirye-shiryen da suka shafi mata da haihuwa a shafikan sada zumunci mai suna Meet the OBGYN (MTO) a Facebook, Instagram, YouTube, da TikTok a adireshin su ko page kamar haka.

 

Facebook: https://www.facebook.com/drfatimamahmud/

YouTube: https://www.youtube.com/@drfatimamahmud

Instagram: Meet the OBGYN

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Two Touchpad Shortcuts I Wish I Had Known Earlier

Getting my first MacBook opened my eyes to something I completely overlooked on my old Windows laptop — two-finger gestures!

1️⃣ Two-finger scroll – Instead of dragging the side scroll bar, you can simply slide two fingers up or down on the touchpad.

2️⃣ Two-finger pinch to zoom – Just like on a phone screen, you can pinch in or out to zoom on documents, browsers, or images.

These two simple shortcuts have completely changed how I use my laptop. In fact, they’ve made me stop missing my Samsung touchscreen — the touchpad feels just as intuitive now!

If you’re still unaware of these gestures (like I was 😅), take a few minutes to learn and practice them properly. Trust me, once you get used to it, your touchpad experience will feel fantastic — and you might even find using a mouse less appealing.