Sign Up to our social questions and Answers Engine to ask questions, answer people’s questions, and connect with other people.
Login to our social questions & Answers Engine to ask questions answer people’s questions & connect with other people.
Lost your password? Please enter your email address. You will receive a link and will create a new password via email.
Please briefly explain why you feel this question should be reported.
Please briefly explain why you feel this answer should be reported.
Please briefly explain why you feel this user should be reported.
IPO websites (UPDATES)
There is NO website that shows IPOs very far in advance with full details. Yes. Because: ✓ IPOs are confidential in early stages ✓ companies only release information when they are ready But… There ARE powerful websites that can help you stay ahead. Let me show you the real ones professionals use. 1.Read more
There is NO website that shows IPOs very far in advance with full details.
See lessYes.
Because:
✓ IPOs are confidential in early stages
✓ companies only release information when they are ready
But…
There ARE powerful websites that can help you stay ahead.
Let me show you the real ones professionals use.
1. IPO Calendars (Your Best Tool)
These are the closest thing to what you’re looking for.
Investing.com IPO Calendar
• Shows upcoming IPOs
• Displays dates, price ranges, and size
• Updated regularly
👉 This is one of the easiest to use
According to available data, IPO calendars help you track “upcoming IPOs, pricing, and offering value” (Investing.com Nigeria)
Yahoo Finance IPO Calendar
• Tracks upcoming IPO events
• Includes financial data and timelines (Yahoo Finance)
TradingView IPO Calendar
• Shows listing dates
• number of shares
• IPO status
It helps investors see IPOs “in chronological order” and plan ahead (TradingView)
2. Advanced IPO Tracking Platforms
These go deeper.
Renaissance Capital IPO Center
• professional-level IPO data
• detailed analysis
• institutional-grade insights (Renaissance Capital)
IPOScoop
• tracks filed and upcoming IPOs
• gives early signals
3. Nigerian-Focused Insight (Very Important)
Now let’s be real.
For Nigeria, IPO tracking is not as structured.
Use:
👉 Proshare Nigeria
• shows public offers
• rights issues
• capital market activity (Proshare)
👉 African Markets
• tracks major African IPO discussions
• includes updates like Dangote refinery plans (African Markets)
Important Truth You Must Understand
Even globally:
👉 IPO dates are rarely known far in advance
Data shows IPO schedules are often only known:
✓ 7–10 days before listing (StockAnalysis)
Let Me Explain With a Simple Story
Mama Ngozi wants to open a big shop.
Before announcing it publicly:
• she plans quietly
• arranges money
• prepares everything
Only when she is ready…
She tells people.
That is exactly how IPOs work.
So Iking… How Do Smart Investors Stay Ahead?
They don’t just wait for IPO announcements.
They:
1. Track Big Companies Expanding
Example:
• Dangote Refinery
IPO already expected around 2026 (Wikipedia)
2. Follow Financial News Weekly
• capital raising
• debt restructuring
• expansion
These are IPO signals.
3. Study Industries, Not Just IPOs
Smart investors ask:
• which sector is growing?
• which companies may need funding?
Let Me Be Honest With You
If you are waiting for IPO announcement…
You are already late.
Final Truth
There is no “secret IPO website”
But there are:
✓ IPO calendars
✓ financial news platforms
✓ market intelligence tools
Let Me Leave You With This
Don’t chase IPOs.
Track businesses.
Because when you understand businesses early…
You don’t wait for opportunities.
You see them coming.
Rose Ejituru
Tax Deadline in Anambra State – How Can I File My Personal Income Tax Easily Without Mistakes?
In Anambra State today, the most reliable way is to combine ONLINE + PHYSICAL verification. Because: 👉 not all state portals work perfectly all the time The Authority You Are Dealing With 👉 Anambra State Internal Revenue Service PART 1: HOW TO GET YOUR ASIN (STEP-BY-STEP) Option A (Recommended): StaRead more
In Anambra State today, the most reliable way is to combine ONLINE + PHYSICAL verification.
See lessBecause:
👉 not all state portals work perfectly all the time
The Authority You Are Dealing With
👉 Anambra State Internal Revenue Service
PART 1: HOW TO GET YOUR ASIN (STEP-BY-STEP)
Option A (Recommended): Start Online
Step 1: Visit the Official Portal
Go to:
👉 https://anambrastate.gov.ng
(or search: Anambra State IRS tax portal)
Step 2: Look for Tax / Revenue Section
Click:
• “Tax Services”
OR
• “Get Tax ID / Register”
Step 3: Fill Registration Form
Enter:
• Full name
• Phone number
• Address
• Email
• NIN (if available)
Step 4: Submit
After submission:
👉 You should receive your ASIN number
⚠️ Important Truth
If the portal is slow or not responding (this happens sometimes):
👉 move to Option B immediately
Option B (Most Reliable): Walk Into Tax Office
Go to Any Nearest Tax Office
Ask for:
👉 “ASIN registration desk”
Go With:
• NIN slip or ID card
• phone number
• address
What Happens There?
• they register you
• generate your ASIN instantly
✔️ Best Advice
👉 Even if you start online, confirm physically once
So there is no mistake.
PART 2: HOW TO FILE YOUR TAX
Step 1: Gather Your Income Info (2025)
Write down:
• salary (if employed)
• business income
• side hustle
Step 2: Go Back to Portal OR Office
You can:
• file online
OR
• file physically
Step 3: Request “Annual Tax Return Form”
This is the key thing.
Fill:
• your ASIN
• your total income
• deductions (if any)
Step 4: Submit
Once submitted:
👉 they calculate your tax
Step 5: Pay (If Needed)
If you are a salary earner:
✓ tax already deducted (PAYE)
→ you may not need to pay again
If you are self-employed:
✓ you may need to pay balance
Step 6: Collect Proof
Always collect:
• receipt
• acknowledgment slip
Let Me Be Honest With You
If you want ZERO stress:
👉 go physically first time
After that:
✓ you can do it online next year
I HOPE THIS HELPS
How To Filing PIT in Lagos State Using Smart phone and NOT Laptop
Filing PIT online is just filling a form and submitting it. Nothing more. The Platform You Will Use You will file through: 👉 Lagos State Internal Revenue Service Oya… Let’s Do It Step-by-Step (Using Your Phone) STEP 1: Open the LIRS Portal On your phone browser (Chrome/Safari): 👉 Go to: https://lirsRead more
Filing PIT online is just filling a form and submitting it.
See lessNothing more.
The Platform You Will Use
You will file through:
👉 Lagos State Internal Revenue Service
Oya… Let’s Do It Step-by-Step (Using Your Phone)
STEP 1: Open the LIRS Portal
On your phone browser (Chrome/Safari):
👉 Go to: https://lirs.net
STEP 2: Click “e-Tax” or “Self-Service Portal”
Look for:
• “eTax”
• “Taxpayer Login”
• “Self-Service”
Tap it.
STEP 3: Login
Use your:
• Tax ID (TIN – 13 digits)
• Payer ID (N-****)
• Password
If You Don’t Have Password
Click:
👉 “Forgot Password”
Then reset via your email/phone.
STEP 4: Go to “Annual Returns”
After login:
Look for:
👉 “File Annual Return”
or
👉 “Returns Filing”
STEP 5: Select the Year
Choose:
👉 2025 (since you are filing for last year)
STEP 6: Fill Your Details
Now you will enter:
1. Personal Info
• Name (auto-filled mostly)
• Address
• Employment status
2. Income Section
Enter:
• salary (if employed)
• business income
• other earnings
3. Deductions
Fill if applicable:
• pension
• NHF
• NHIS
(If you don’t know, you can leave or use payslip)
STEP 7: Review Carefully
Before submitting:
Check:
• no wrong figures
• no missing fields
STEP 8: Submit
Tap:
👉 Submit Return
STEP 9: Download Acknowledgment
After submission:
✓ download receipt
✓ screenshot confirmation
STEP 10: Pay (If Required)
If you are salary earner (PAYE)
✓ tax already deducted
→ no extra payment usually
If self-employed
You may see:
👉 amount to pay
Then:
• pay online
OR
• generate payment slip
Important Tip (Phone Users)
If the site is not displaying well:
👉 Turn on “Desktop Site” in your browser settings
(This makes it easier to navigate)
Let Me Be Honest With You
Most errors happen because:
• rushing
• entering wrong figures
• skipping review
Common Mistakes to Avoid
• wrong TIN
• filing wrong year
• not saving proof
• poor internet connection during submission
Deadline Reminder
👉 Filing deadline: April 14, 2026 (extended)
Final Truth
You don’t need laptop.
You don’t need agent.
You just need:
✓ correct details
✓ patience
✓ internet
Let Me Leave You With This
Once you file it yourself once…
You will never be afraid of tax again.
Because what looks complex…
Is actually simple when you understand it.
Filing Of PIT For Unemployed Individual In Lagos State Using Smart Phone
Yes — you should still file. But… 👉 you will file what is called a NIL RETURN What Is NIL Return? It simply means: 👉 “I earned NO taxable income last year” Let Me Explain With a Simple Story Mama Ngozi didn’t sell tomatoes throughout 2025. At the end of the year… She still goes to report: 👉 “I madeRead more
Yes — you should still file.
But…
👉 you will file what is called a NIL RETURN
What Is NIL Return?
It simply means:
👉 “I earned NO taxable income last year”
Let Me Explain With a Simple Story
Mama Ngozi didn’t sell tomatoes throughout 2025.
At the end of the year…
She still goes to report:
👉 “I made nothing”
That is:
✓ compliance
✓ no penalty
The Authority You’ll Use
👉 Lagos State Internal Revenue Service
Oya… Let’s Do It Step-by-Step (Using Your Phone)
STEP 1: Open the Website
On your phone browser:
👉 Go to: https://lirs.net
STEP 2: Click “eTax / Self-Service Portal”
Look for:
• eTax
• Taxpayer Login
Tap it.
STEP 3: Login
Enter:
• TIN (your tax ID)
• Payer ID
• Password
If You Don’t Have Password
Click:
👉 “Forgot Password”
Reset it.
STEP 4: Go to “File Annual Return”
After login:
Tap:
👉 “Annual Returns”
or
👉 “File Return”
STEP 5: Select Year
Choose:
👉 2025
STEP 6: Enter Income
This is the key part
Since you were unemployed:
👉 Enter:
• Income = ₦0
STEP 7: Confirm NIL Return
There is usually an option like:
✓ “No Income”
✓ “Nil Return”
Select it.
STEP 8: Submit
Tap:
👉 Submit
STEP 9: Download Proof
Very important:
• screenshot confirmation
• download acknowledgment
STEP 10: Payment
👉 No payment required
Because:
✓ no income = no tax
Important Warning
Do NOT include:
• money from family
• gifts
• random transfers
Those are:
👉 NOT taxable
Common Mistakes to Avoid
• not filing at all
• assuming “no income = no action”
• rushing submission
• not saving proof
Deadline Reminder
👉 Filing deadline: April 14, 2026
Let Me Be Honest With You
Government mainly wants:
✓ record
✓ compliance
Even if you earned nothing.
Final Truth
Filing tax when unemployed is simple:
👉 Declare zero
👉 Submit
👉 Keep proof
Let Me Leave You With This
Tax is not only about paying money.
It is also about:
✓ staying compliant
Once you understand that…
You will never be confused again.
Rose Ejituru
See lessFederal government bond issue
FGN Bonds do NOT behave like your bank savings. Yes. Their value can go up and down on the screen. The Issuer Your bond is issued by: 👉 Debt Management Office Which means: ✓ backed by Federal Government ✓ considered low risk (in terms of default) Let Me Explain With a Simple Story Mama Ngozi lends ₦Read more
FGN Bonds do NOT behave like your bank savings.
Yes.
Their value can go up and down on the screen.
The Issuer
Your bond is issued by:
👉 Debt Management Office
Which means:
✓ backed by Federal Government
✓ considered low risk (in terms of default)
Let Me Explain With a Simple Story
Mama Ngozi lends ₦5,000 to the government.
The government promises:
• to pay interest every year
• to return ₦5,000 at maturity
That ₦5,000 is called:
👉 Face Value (your real investment)
Oya… Relax Let Me Explain
Why Is It Showing ₦3,800?
That ₦3,800 is:
👉 market value
Not your actual loss.
What Is Market Value?
It is:
✓ what someone is willing to pay NOW if you sell
Key Truth
👉 Bond price moves up and down daily
Why Does Bond Price Drop?
1. Interest Rate Changes (Major Reason)
If new bonds offer higher interest:
• your old bond becomes less attractive
So:
👉 price drops
2. Market Demand
If fewer people want your bond:
👉 price falls
3. Time to Maturity
Longer duration bonds fluctuate more.
VERY IMPORTANT (Don’t Miss This)
Did You Actually Lose Money?
👉 NO — unless you SELL at ₦3,800
If You HOLD Till Maturity
You will receive:
✓ full ₦5,000
✓ plus all your interest
So What You Are Seeing Is:
👉 Unrealized loss
Let Me Be Honest With You
Many people panic because:
• they think bond = fixed value
But in reality:
✓ bond price moves
✓ but maturity value is fixed
When Should You Worry?
Only if:
• you urgently need to sell now
When Should You Relax?
If:
• you can hold till maturity
Simple Truth
• Sell now → you may lose
• Hold → you recover full value
What You Should Do Now
Option 1: Hold
Best for:
✓ long-term investors
Option 2: Sell
Only if:
• you need cash urgently
Final Truth
Your ₦5,000 did not disappear.
It is just:
👉 being priced by the market
Let Me Leave You With This
In investing, there are two values:
• market value (changes daily)
• actual value (what you receive at the end)
Smart investors focus on:
✓ the final value
Not temporary fluctuations.
Rose Ejituru
See lessDiasporans and the new tax law
Tax in Nigeria is based mainly on RESIDENCE, not nationality. The Law Behind It Under: 👉 Personal Income Tax Act Your tax depends on: ✓ where you live ✓ where your income is sourced PART 1: DIASPORANS — DO THEY FILE TAX IN NIGERIA? Let Me Explain With a Simple Story Mama Ngozi travels to the UK. SheRead more
Tax in Nigeria is based mainly on RESIDENCE, not nationality.
The Law Behind It
Under:
👉 Personal Income Tax Act
Your tax depends on:
✓ where you live
✓ where your income is sourced
PART 1: DIASPORANS — DO THEY FILE TAX IN NIGERIA?
Let Me Explain With a Simple Story
Mama Ngozi travels to the UK.
She now works and earns money there.
Question:
Will Nigeria tax her UK salary?
👉 NO (in most cases)
Why?
Because:
✓ she is NOT resident in Nigeria
✓ income is NOT earned in Nigeria
So When Will Diasporans Pay Tax in Nigeria?
ONLY If:
Examples:
• rent from property in Nigeria
• salary from Nigerian company
• business income in Nigeria
OR
(This depends on number of days spent in Nigeria — usually 183 days rule)
So Final Answer (Diaspora)
If:
• you live abroad
• no Nigerian income
👉 You generally DO NOT file Nigerian PIT
If:
• you earn from Nigeria
👉 You MUST file tax in Nigeria
PART 2: NGX STOCK INVESTORS — DO YOU FILE TAX?
Let’s Be Very Clear
Trading on:
👉 Nigerian Exchange Group
does NOT automatically mean you must file tax.
Why?
Because in Nigeria:
1. Capital Gains on Shares
Currently:
👉 Capital gains on listed shares are largely exempt
(when traded on NGX, subject to conditions)
2. Dividends
Dividends are:
✓ already taxed at source (10% withholding tax)
What Does This Mean?
If You ONLY:
• buy and sell shares
• receive dividends
👉 Tax is already handled
So Do You Still File Annual Return?
YES — if:
• you are resident in Nigeria
• you have other income (salary, business, etc.)
NO (or minimal obligation) — if:
• your ONLY income is stock trading/dividends
Let Me Be Honest With You
Many people think:
“Once I invest, I must file tax”
Not always true.
Simple Breakdown
Diasporan
• No Nigerian income → No tax filing
• Nigerian income → File tax
NGX Investor
• Only dividends → tax already deducted
• active income + stocks → file return
Final Truth
Tax is not about:
• where you are from
It is about:
✓ where you earn
✓ where you live
Let Me Leave You With This
Whenever you’re confused about tax, ask:
• “Where is this income coming from?”
That one question…
Will guide you to the correct answer every time.
Rose Ejituru
See lessCan I open a corporate account with Fintech bank?
Yes — you CAN open a corporate (business) account with some fintech banks in Nigeria. But… 👉 Not all fintechs are the same. Let Me Explain With a Simple Story Mama Ngozi wants to expand her tomato business. She needs an account to: • receive payments • separate business money • track income She hasRead more
Yes — you CAN open a corporate (business) account with some fintech banks in Nigeria.
But…
👉 Not all fintechs are the same.
Let Me Explain With a Simple Story
Mama Ngozi wants to expand her tomato business.
She needs an account to:
• receive payments
• separate business money
• track income
She has two options:
Option 1: Traditional Bank
Like:
• Access Bank
• GTBank
Option 2: Fintech Bank
Like:
• Opay
• Moniepoint
• Kuda Bank
Oya… Relax Let Me Explain
1. Types of “Corporate Accounts” in Fintech
A. Business Account (For Individuals / Small Businesses)
Most fintechs offer this.
Good for:
• freelancers
• small business owners
• side hustles
B. Full Corporate Account (For Registered Companies)
This is for:
• CAC-registered businesses (Ltd, etc.)
Not all fintechs support this fully.
2. What Fintechs Can Do Well
Advantages
• easy setup (from your phone)
• fast transfers
• lower charges
• clean app interface
3. Limitations You Must Know
Some fintechs may NOT support:
• complex corporate structures
• international transactions (fully)
• large business compliance needs
Let Me Be Honest With You
Fintech is excellent for:
✓ starting
✓ running daily operations
But may not be enough for:
✓ large-scale corporate needs
4. What You Should Choose Based On Your Level
If You Are Just Starting
Use fintech like:
• Moniepoint
• Opay
If You Have Registered Company (CAC)
Better to combine:
• fintech account
AND
• traditional bank
5. Documents You May Need
For Business Account
• BVN
• NIN
• phone number
For Corporate Account (CAC)
• CAC certificate
• RC number
• company documents
• directors’ details
Final Truth
Yes — fintech can work for business.
But:
👉 choose based on your business level
Let Me Leave You With This
Don’t ask:
• “Which bank is best?”
Ask:
✓ “What does my business need right now?”
Because the right account…
Depends on your stage.
Rose Ejituru
See lessTax returns on inconsistent salary
Tax is NOT calculated monthly. 👉 It is calculated on your total income for the whole year Let Me Explain With a Simple Story Mama Ngozi sells tomatoes. Some months: • she makes ₦100,000 Some months: • ₦50,000 One month: • ₦0 At the end of the year… Government does NOT ask: “Why was August zero?” TheRead more
Tax is NOT calculated monthly.
👉 It is calculated on your total income for the whole year
Let Me Explain With a Simple Story
Mama Ngozi sells tomatoes.
Some months:
• she makes ₦100,000
Some months:
• ₦50,000
One month:
• ₦0
At the end of the year…
Government does NOT ask:
“Why was August zero?”
They ask:
👉 “How much did you make in total this year?”
Oya… Relax Let Me Explain
Your Situation (Teacher Example)
Let’s break it down:
• 9 months → full salary
• 2 months → half salary
• 1 month → no salary
Step 1: Calculate Total Annual Income
Example (Simple Numbers)
Let’s assume:
• Full salary = ₦50,000
Now Calculate:
• 9 months → 9 × ₦50,000 = ₦450,000
• 2 months (half) → 2 × ₦25,000 = ₦50,000
• 1 month (zero) → ₦0
Total Income
👉 ₦450,000 + ₦50,000 = ₦500,000
That ₦500,000 Is What You Will Use
Not monthly figures.
Step 2: Use This Total to File
When filling your tax:
👉 Enter total annual income
Step 3: Apply Deductions (If Any)
If applicable:
• pension
• NHF
• NHIS
These reduce taxable income.
Step 4: Submit Your Return
Through:
👉 Lagos State Internal Revenue Service
(or your state tax office)
Important Thing You Must Know
Irregular salary:
✓ does NOT change your obligation
It only changes:
✓ your total income
Let Me Be Honest With You
Many people overcomplicate tax because:
• income is not stable
But tax system is simple:
👉 Total everything and report once
If You Are a Salary Earner (PAYE)
Very important.
Your employer may already:
✓ deduct tax monthly
Even if amounts vary.
So What You Do
• confirm total income
• confirm total tax deducted
• file return
Final Truth
Tax does not care:
• how many months you worked
It cares:
✓ how much you earned in total
Let Me Leave You With This
Stop thinking:
• “My income is inconsistent, so tax is hard”
Think:
✓ “What is my total for the year?”
Once you answer that…
Tax becomes very simple.
See lessState To File PIT State of residence or Origin
You file your Personal Income Tax where you LIVE and WORK. Not where you are from. The Law Behind It Under the Nigerian tax system guided by: 👉 Personal Income Tax Act Tax is based on: ✓ place of residence Let Me Explain With a Simple Story Mama Ngozi is from Enugu. But she lives and sells tomatoesRead more
You file your Personal Income Tax where you LIVE and WORK.
Not where you are from.
The Law Behind It
Under the Nigerian tax system guided by:
👉 Personal Income Tax Act
Tax is based on:
✓ place of residence
Let Me Explain With a Simple Story
Mama Ngozi is from Enugu.
But she lives and sells tomatoes in Lagos.
Question:
Where does she pay her market dues?
• Enugu? ❌
• Lagos? ✅
Why?
Because:
✓ that is where she is earning money
Oya… Relax Let Me Explain
Your Situation
• You live in Lagos
• You work/earn in Lagos
So:
👉 You file in
Lagos State Internal Revenue Service
NOT Osun State.
Important Exception (Very Rare)
Only file in your state of origin if:
• you actually live there
• or earn income there
About the Deadline You Mentioned
Yes — you are correct.
👉 Lagos State Internal Revenue Service extended the deadline to:
April 14, 2026
What This Means
You still have time to:
✓ file your return
✓ avoid penalty
Let Me Be Honest With You
Many people make this mistake:
• filing in wrong state
• or not filing at all
What You Should Do Now
Step 1
File through Lagos (LIRS)
Step 2
Ensure your:
• TIN
• records
• income details
are correct
Step 3
Submit before deadline
Final Truth
Tax follows:
✓ where you live
✓ where you earn
Not:
✓ your village
✓ your origin
Let Me Leave You With This
Whenever you’re confused about tax location, ask:
• “Where am I making my money from?”
That answer will always guide you correctly.
See lessUSA stocks clarity on total returns
That “Total Return” is your PROFIT (or loss). Yes. Simple as that. Let Me Explain With a Simple Story Mama Ngozi buys tomatoes for ₦10,000. After one week, the tomatoes are now worth ₦11,500. What is her gain? ₦11,500 – ₦10,000 = ₦1,500 profit That ₦1,500 is her return Oya… Relax Let Me Explain WhatRead more
That “Total Return” is your PROFIT (or loss).
Yes.
Simple as that.
Let Me Explain With a Simple Story
Mama Ngozi buys tomatoes for ₦10,000.
After one week, the tomatoes are now worth ₦11,500.
What is her gain?
₦11,500 – ₦10,000 = ₦1,500 profit
That ₦1,500 is her return
Oya… Relax Let Me Explain
What “Total Return” Means
When your app shows:
• +$1.50
• +$3.70
• +$4.17
It means:
👉 That is how much profit you have made on each stock
Example Breakdown
Stock A
You invested maybe:
• $50
Now it is worth:
• $51.50
👉 Total return = +$1.50
Stock B
You invested:
• $100
Now:
• $103.70
👉 Return = +$3.70
Stock C
You invested:
• $80
Now:
• $84.17
👉 Return = +$4.17
Important Thing You Must Know
This return comes from:
1. Price Increase
If the stock price goes up:
✓ your return increases
2. Dividends (if any)
If the company pays dividend:
✓ it adds to your return
Let Me Be Honest With You
That number is:
✓ not yet your money in hand
Why?
Because:
👉 You have NOT sold the stock yet
So It Is Called:
✓ Unrealized profit
When Does It Become Real Money?
Only when you:
👉 SELL the stock
Simple Truth
• Before selling → profit on screen
• After selling → profit in your pocket
Final Truth
Those numbers you are seeing mean:
👉 Your investment is currently growing
Let Me Leave You With This
Don’t rush to sell just because you see small profit.
Ask yourself:
• Am I investing long-term?
• Do I believe in this company?
Because real wealth is not built from:
✓ small quick gains
But from:
✓ patience and growth over time
Rose Ejituru
See less