THE BANKING CRISIS & ITS EFFECTS

WELCOME TO A NEW WEEK WITH SOMUCH HOPE AND CHALLENGES. YES! THE BANKING SYSTEM IN NIGERIA IS BEING SANITISED BY THE CBN BUT THE EFFECT ON THE GENERAL PUBLIC ESPECIALLY THE LAY MAN IS THAT THERE IS NOTHING GOOD AND NOTHING TO BE TRUSTED AGAIN. THE CAPITAL MARKET TODAY HAS REMAINED ON THE LOW SIDE BASED ON THE FACT THAT INVESTOR'S CONFIDENCE WAS LOW AND NOW WITH WHAT IS HAPPENING IN THE BANKS, MOST PEOPLE ARE NOW EVEN AFRAID TO DEPOSIT THEIR MONEY IN BANKS. WHERE DOES THIS LEAVE US?
THERE ARE REPORTS ON DEPTORS FROM CBN WHICH HAS BEEN SAID TO BE FAULTY IN THAT IT IS NOT UP TO DATE. IMAGINE THE NEGATIVE EFFECT THIS KIND OF LIST WE HAVE ON THE BUSINESSES WHOSE NAMES WHERE PUBLISHED. ANOTHER INTERESTING THING IS THAT SOME OF THESE COMPANIES LISTED ONLY TOOK LOANS AND ADVANCED TO THEIR CLIENTS TO INVEST WITH AND NOW THE INVESTMENT WAS TO SERVE AS COLLATERAL BUT AS THINGS TURNED OUT, THE VALUE OF THOSE INVESTMENTS HAVE DROPED WHILE THE CLIENTS ARE UNABLE TO PAY AND AS SUCH THE COMPANIES TOO ARE UNABLE TO PAY THE BANKS.
SO NOW THAT THESE COMPANIES NAMES ARE BEING PUBLISHED, SHOULD THEY NOW GO AHEAD AND PUBLISH THE NAMES OF THESE INDIVIDUALS TOO?

WELL IN THE WHOLE HE EFFECT IS SOME HOW NEGATIVE AS IT WILL ONLY FURTHER REDUCE NOT ONLY INVESTOR'S CONFIDENCE IN THE SYSTEM BUT ALSO DEPOSITORS. THE CBNM HAS TO THINK OF A WAY TO FIX THIS BEFORE IT RESULTS TO FURTHER ECONOMIC ISSUES OF LIQUIDITY.

FOR YOU OUT THERE I STILL SAY INVEST IN FUNDAMENTALLY STRONG COMPANIES LIKE FIRSTBANK AND GTBANK ETC. AND INVEST IN LAND AFTER CONFIRMING THE TRUE OWNERSHIP OF SUCH LAND. NEED HELP CALL CHRISTIE ON 07032335367.

MAKING THE BEST OUT

Market improved a bit today when compared with yesterday’s trend with the number of
gainers rising to 13 as against 6 of yesterday; 92 stocks lost today and 13 stocks retained
their previous trading prices. Though downward trend is still much evident, the little improvement recorded today may be an indication that market will soon come back and stabilize. The impact of the recent happenings in the finance industry will definitely fizzle out, especially when the coasts are cleared and the real market will re-emerge.

The banks that are yet to be audited may continue to come down since it is glaring that they are now besieged with cloud of uncertainty. Average investors will not want to patronize such stocks until they are cleared. This may create more activities for non-banking stocks since nothing but liquidity squeeze is the only potential challenge confronting their upward price movements.

When investors’ confidence is fully restored and stability returns to the market, investors may be meticulous in selecting stocks to buy and hold, stocks that are most likely to enjoy more patronage and relative stability are stocks with consistent track records of giving returns in form of bonus and or dividends and the newly listed ones that have demonstrated strong potentials for growth and returns.
LOOKING AT THAT REPORT YOU WILL KNOW AS A TRUE INVESTOR THAT IT IS TIME TO MAKE THE BEST OUT OF THIS MESS. THERE IS ALWAYS A GREAT OPPORTUNITY AT TIMES LIKE THIS WHEN INDIVIDUALS ARE RESPONDING SLOWLY TO INVESTMENT. IT IS THE TIME TO PREPARE FOR THE GREAT BREAK THROUGH IN YOUR FINANACE. THE SAME THING IS HAPPENING EVEN IN REAL ESTATE AND IT IS OBVIOUS THAT YOU MUST INVEST NOW. I AM DOING SO NOW. JOIN ME. CALL 08055816625, 07032335367 NOW.

UNCERTAINTY

UNCERTAINTY SOMETIMES MAKES THE MARKET TO GO ON A BEARISH TREND LIKE WE ARE SEEING NOW BASED ON THE UNCERTAINTY IN THE BANKING SECTOR, THOUGH THIS NOT WITHSTANDING, FUNDAMENTAL STOCKS ARE STILL JUICY TO BUY NOW. THE CASHCRAFT RESEARCH TEAM REPORT FOR YESTERDAY WAS
There was a run on the market today as almost all the stocks were on serious offer. The
drop cut across all the sectors and this could be attributed to the crisis cum revolution
going on in the banking industry. The last week removal of Managing Directors of five banks
by the Central Bank of Nigeria caused investors to embarked on panic sell since the scenario
presented uncertainty. The stocks of five affected stocks have been placed on suspension by
the Nigerian Stock Exchange to prevent total erosion of the said stock value.


This run is expected and may last for some time until the Central Bank of Nigeria completes her
audit and presents the true positions of all the banks. Meanwhile, the stocks of the banks that have been audited and cleared such as First bank, UBA, GTB, Diamond bank and Sterling bank may not take so long before they bounce back. A total of 6 stocks gained, 64 lost and 47 remained the same at the close of trading today making the total number of securities traded at 117. 4 stocks of the gainers advanced maximum while 45 of the losers declined maximum
The coast will be clear after the investing public must have gotten the real picture of the happenings, after they must have read, analyzed and digested the details of the exercise. Generally, the trend in the market will shake after which it will stabilize.

LIKE I SAID BEFORE YOU CAN POSITION IN FUNDAMENTAL STOCKS AND YOU WILL BE SURE THERE CANNOT BE ANY ISSUE AT THE LONG RUN. CALL NOW FOR MORE INFORMATION ON 08055816625 OR email anselm.akata@cashcraft.com , akatamax@yahoo.com.
TO HAVE AN ALTERNATE INVESTMENT IS NOT A BAD IDEA, INVESTING IN PROPERTIES IN TROUBLE-FREE AREAS OF YENAGOA CALL 07032335367.

IMPROVE YOURSELF BY SUBSCRIBING TO BottomLINE NEWSLETTER CALL 08037754610, 08055816625. WE ARE HERE FOR YOU.
BE WISE AND DON'T LET GREED CROWD YOUR MIND.

DURATION OF INVESTMENT

GREAT DAY TO YOU AND WELCOME TO ANOTHER DAY OF KNOWLEDGE AND POWER TO BECOME GREAT.

WE ARE TALKING TODAY OF THE DURATION OF AN INVESTMENT AND THE MINDSET ONE SHOULD HAVE ON THIS.

USUALLY WHEN WE TALK OF DURATION WE REFER TO WETHER IT IS SHORT TERM, MEDIUM OR LONG TERM INVESTMENT. SHORT TERM USUALLY FALLS WITHIN ONE YEAR, MEDIUM BETWEEN TWO TO THREE YEARS AND LONG TERM FALL ABOVE THREE YEARS. FROM MY STUDY, I HAVE DISCOVERED THAT AN INVESTOR WHO HAS A LONG TERM MINDSET, HARDLY LOSSES AT THE END OF THE DAY. WHAT DO I MEAN? WHEN YOU INVEST WITH THE MINDSET THAT IF IT TAKES SAY FIVE YEARS TO YIELD FRUIT YOU WIL BE OKAY AND NOT THAT YOU THINK I MUST GET THIS RETURN IN THREE MONTHS FOR EXAMPLE, YOU WILL NOT END UP SELLING AT A LOSS WHEN THE STOCK HAS NOT BEEN FAVOURABLE BY THEN. LOOK AT THE MARKET NOW, YOU HAVE LOW PRICES, GOOD FOR BUYERS BUT NOT TOO GOOD TO SELL AND IT WOULD NOT REMAIN SO FOREVER. IT DOES NOT MEAN YOU WILL NOT TAKE PROFIT WHEN THE PRICES MOVE FAVOURABLE WITHIN ONE WEEK BUT YOU WILL NOT GIVE YOURSELF UNNECCESSARY PRESSURE OVER WHAT YOU DO NOT HAVE CONTROL OVER. LET'S SEE THE REPORT FROM YESTERDAY'S TRADING AT THE NSE AS REPORTED BY CASHCRAFT

The downward trend of the market is sustained with prices of stocks dipping. At the end of
trading today, 39 gained,50 lost and 50 remained the same. This brought the total number
of securities traded to 139. Out of the 39 gainers recorded, 12 securities gained maximum
and 29 out of the total 50 losers lost maximum. Banking sector recorded 11 losers and 6
gainers today.

Market index declined further at a reducing rate by losing 158.55 basis points which stood at
0.643% as against 1.45% drop of yesterday and market capitalization lost N36.346 billion
further. Skye bank traded the highest volume of 74.90 million, followed by Standard Insure,
AIICO, First bank and GTB of 41.271 million, 29.391 million, 18.710 million and 17.851 million
respectively. The highest value still went to Skye bank with N407.514 million, followed by First
bank, Nestle, GTB and BCC of N281.282 million, N255.412, N241.084 and N177.751 million in
that order.


This drop may be approaching a point of turnaround which is expected any moment from now
as some stocks across the sectors seemed to be showing signs to that effect. It is very likely
improvement is more pronounced if not tomorrow, the first trading day next week.

Therefore, Investors are enjoined to consider buying now while waiting for the soonest possible
rebound to benefit from the capital appreciation it offers.

GOOD ADVICE FROM THE TEAM. YOU MIGHT WANT TO LOOK AT THOSE THAT BOUGHT FIRSTBANK SHARES FOR EXAMPLE SAY FIVE YEARS AGO, IF YOU CONSIDER THE SCRIPT ISSUES AND DIVIDENDS THEY HAVE RECEIVED IN THIS PERIOD AND THEN CONSIDER THE PRESENT MARKET PRICE, YOU WILL SEE THAT EVEN WITH THE ECONOMIC MELTDOWN, THEY ARE STIL MAKING SOME GOOD PROFIT FROM THOSE SHARES, WHILE THOSE THAT BOUGHT SAY ONE YEAR AGO ARE NOT SO LUCKY RIGHT NOW BUT WILL BE IN THE NEXT TWO TO THREE YEARS.

WE THEREFORE ADVICE THAT WE RELAX OUR MINDS AND INVEST WITH A MAXIMUM OF LONG TERM MINDSET, WHILE WE WATCH TO TAKE PROFIT EVEN BEFORE THEN.

REMEMBER TO SUBSCRIBE TO BottomLINE NEWSLETTER OR TO ASK MORE QUESTIONS ON INVESTMENT CALL AKATA 08055816625 AND TO TAKE POSITION IN PROPERTY IN THE SECURED AND EXPANDING AREAS OF YENAGOA BAYELSA STATE CALL CHRISTIE AKATA 07032335367. WHICHEVER TYPE OF INVESTMENT, SPECULATION OR BUYING TO HOLD, IT IS OKAY TO COME IN NOW. WE ARE HERE TO HELP YOU. STAY WISE AND GREAT.......AKATAMAX

LEARNING TO BE WHO YOU WANT TO BE

HELLO THERE,
YOU KNOW WE SOMETIMES FORGET TO DREAM BIG AND WE END UP IN SMALL PLACES. YES YOU HAVE TO START SEEING YOURSELF AS THAT GREAT PERSON YOU WANT TO BE EVEN AS A CHILD. YES DREAM AND THEN YOU SEE HOW YOU WILL WORK TOWARDS IT WITH STRENGTH.
SOMEONE SAID SHE HAS TAKEN MY ADVICE AND SUBSCRIBED TO THE BottomLINE NEWSLETTER AND AS SUCH HAVE LEARNT SO MUCH IN JUST TWO MONTHS ON BEING AN ENTREPRENUER WHICH SHE ALWAYS SEES HERSELF AS. YES SHE DREAMS ABOUT IT AND THEN SHE PUT IT TO ACTION BY LEARNING TO BECOME WHO SHE WANTS TO BE. WHY NOT YOU TOO. TAKE THAT STEP TO LEARN ABOUT WHAT YOU LIKE TO BE AND WHEN YOU EVENTUALLY GET THERE YOU WILL BE READY. SUCCESS IS OPPORTUNITY MET BY PREPAREDNESS.
YOU DEFINITELY WANT TO BE RICH, THEN YOU MUST WORK FOR IT AND BE PERSISTENT, DON'T GIVE UP.

LOOK AT THE STOCKMARKET REPORT FROM CASHCRAFT RESEARCH TEAM..
Market defied the expectation that there might be more upward rally this week as market came
down a bit today. The All-Share index came down by 0.825% against 0.742% gain of yesterday
and this resulted in the loss of N47.99 billion in Market Capitalisation as against Friday’s appreciation of N42.832 Billion. The banking sector contributed mostly to the drop in the market with only 3 stocks out of 21 traded in the sector today gained; 14 lost and 7 remained unchanged in the sector.
Drops in other sectors were evenly spread. The severed drop recorded in the banking sector might not be unconnected with refuted rumours in some dailies about the impending sack of management and board members of unnamed four banks by the Central Bank of Nigeria. This probably sent panic to investors holding banking stocks to play safe hence the massive sell of the banking stocks.
THIS DOES NOT MEAN IT IS BAD, IT IS GOOD TO TAKE POSITION.
LEARN TO BE PREPARED TO TAKE POSITION IN LIFE BECAUSE YOU DON'T KNOW WHEN OPPORTUNITY WILL COME KNOCKING.

REMEMBER TO SUBSCRIBE TO BottomLINE NEWSLETTER OR TO ASK MORE QUESTIONS ON INVESTMENT CALL AKATA 08055816625 AND TO TAKE POSITION IN PROPERTY IN THE SECURED AND EXPANDING AREAS OF YENAGOA BAYELSA STATE CALL CHRISTIE AKATA 07032335367. WHICHEVER TYPE OF INVESTMENT, SPECULATION OR BUYING TO HOLD, IT IS OKAY TO COME IN NOW. WE ARE HERE TO HELP YOU. STAY WISE AND GREAT.......AKATAMAX

BUYING TO HOLD

HELLO THERE, I HOPE YOU HAVE BEEN DOING GREAT? WELL LETS CONTINUE OUR SERIES ON INVESTMENT. WE TALKED LAST ON SPECULATIVE BUYING WHEREBY ONE BUYS TO SELL WHEN THE PRICE IS FAVOURABLY HIGHER THAN WHAT WE BOUGHT AND REMEMBER WE SAID THE PERIOD TO HOLD BEFORE ONE SELLS, IS NOT FIXED. GOOD.
LET'S SEE THE REPORT FROM CASHCRAFT RESEARCH TEAM BEFORE WE GO ON.
There was not much difference in the market today when compared with yesterday’s trend;
the number of gainers dropped from 51 of yesterday to 44 today, while 44 stocks lost and 46
remained the same. The All-Share index rose very insignificantly by 0.0095% against 1.576%
of yesterday and Market capitalization gaining N562.302 Million as against N91.359 Billion of
yesterday.

The market seems to be moving towards full stability, though it will be gradual. Certainly market had experienced its worst so better days should be expected hence forth. The much acclaimed potential of the market to boost investors’ returns will be showcased as more impressive results are released with fantastic returns declared. This will surely bring more players into the market while the existing participants get renewed interest.

Besides, the ongoing Central Bank audit of banks when completed will do market a lot good as the true nature of the banks will be made known and it will be expected that at the end of the audit no bank should have too much toxic assets in their books; the uncertainty beclouding the banking sector would have been cleared. So, discerning investors may begin to take strategic positions in stocks with strong potential for good returns.


TODAY, LETS LOOK AT ANOTHER FORM. SOMETIMES WHEN WE SAVE MONEY IN THE BANK WE END UP USING THEM IN A WAY WE DID NOT PLAN BUT ONE WAY WE CAN SAVE FOR A LONG TERM WITHOUT USING THE MONEY IS TO BUY SHARES OR LAND. THIS IS BUYING TO HOLD. YOUR INTENTION IS TO KEEP FOR AS LONG AS POSSIBLE, SAY 10YEAR ETC. SO WHEN DOING THIS TYPE, ONE HAS TO CONSIDER THE FOLLOWING. IF IT IS SHARES, ONE HAS TO CONSIDER THE COMPANY AND THE OWNERS BEFORE BUYING. WHAT IS THEIR TRACK RECORD IN TERMS OF PROFIT, DIVIDEND AND SCRIPT ISSUES? WHO ARE THE POEPLE MANAGING THE COMPANY AND WHAT ARE THEIR TRAITS? ARE THEY DUBIOUS OR NOT? THE PRODUCTS OF THE COMPANY IS IT SOMETHING THAT THE DEMAND WILL CONTINUE TO BE THERE? IE IS IT SOMETHING THAT PEOPLE CANNOT DO WITHOUT? OR IN THE NEXT TEN TO TWENTY YEARS, WILL THIS COMPANY STILL BE EXISTING? IF YOU CAN GET POSITIVE ANSWERS TO THIS QUESTION THEN YOU BUY INTO THOSE COMPANIES, AS THE YEARS PROGRESS, YOU WILL SEE YOUR CAPITAL INCREASE. HOW? YOU MAY ASK. AND I WILL SAY THIS. LETS TAKE FOR EXAMPLE YOU MAKE A PURCHASE OF 10,000UNITS OF FIRSTBANK @ N20 PER SHARE BY THE NEXT YEAR FIRSTBANK GIVES A SCRIPT ISSUE OF 1:2 MEANING FOR EVERY 2UNITS U HAVE YOU GET ADDITIONAL 1UNIT. YOUR TOTAL UNITS BECOMES 15,000UNITS AND SINCE THEY GIVE EVERY YEAR, AT DIFFERENT RATIOS, IT MEANS YOUR UNITS INCREASES WITH INCREASE IN YEARS AND SO IS THE WORTH OF THE SHARES AND THIS IS ASIDE THE DIVIDEND YOU GET.......I GUESS YOU ARE GETTING WHAT I AM SAYING?

FOR LAND YOU HAVE TO CONSIDER THE SECURITY OF THE LAND AND THE TRUE OWNERSHIP AND THEN YOU HAVE TO CONSIDER IF THE AREA IS STILL OPENING UP OR STILL DEVELOPING REASON BEING THAT THE PRICE WILL APPRECIATE WITH TIME IF IT IS A DEVELOPING AREA. TAKE FOR EXAMPLE A PLACE LIKE YENAGOA THE CAPITAL OF BAYELSA STATE NIGERIA. YOU SEE THAT IT IS STILL UNDERGOING DEVELOPMENT AND AS SUCH THE LAND BUSINESS IS HAVING HIGH PROSPECTS FOR BOTH SPECULATORS AND THOSE BUYING TO KEEP.

WELL WE WILL CONTINUE LATER ON THIS. REMEMBER YOU CAN BUY FOR SPECULATIVE PURPOSE OR TO HOLD BOTH FOR REAL ESTATE OR FOR SHARES AND YOU CAN ALSO KNOW MORE BY CALLING AKATA 08055816625 FOR SHARES AND TO ADVERTISE OR SUBSCRIBE TO BottomLINE BUSINESS NEWSLETTER OR CHRISTIE 07032335367 FOR REAL ESTATE IN YENAGOA.