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January 11, 2019eldivine

2019: Let The Story Begin

Happy New Year everyone! It’s a late new year post but I’ve been in my village with really bad internet for the past almost two weeks (for those of you not aware, I’m currently in Nigeria). I hope you all enjoyed the festive period and are coming into 2019 with a lot of energy and […]

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January 6, 2016January 6, 2016eldivine

How Do Exchange Rates Work?

How do I explain how exchange rates typically work, simply and in a way that is easy to understand? Let’s try an illustration. Suppose there are just two countries in the world, USA and Nigeria. In this ideal world, $1= N1. Now, Both of these countries’ populations love to eat burgers. A burger is made […]

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December 18, 2015December 18, 2015eldivine

The Central Bank of Nigeria is Killing Nigeria

Nigeria is an import dependent country: much of everything we use is made outside the country. For years, it’s been standard Central Bank policy to buy up naira to keep the exchange rate within a certain band in order to keep import prices cheap and the economy stable. But now, our oil exports have fallen, […]

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