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MUST READ!!! How to reply to different kind of greetings
COPING WITH GREETINGS
One of the aspects of the English Language that is affected by our culture is GREETING.
In Nigeria, we have greetings for almost all occasions and it varies from tribe to tribe. The major tribes in Nigeria: Igbo,Yoruba and Hausa can be used as illustrations. The major problem encountered by Nigerian users of the English Language is the transfer of some of these cultural and tribal diversities into their use of the English Language.
In this edition, efforts shall be made to identify some occasions and the greetings peculiar to them.
One of the basic features that are peculiar to English greetings is that the greeting and the response usually have the same structures.
For example,
The response to GOOD MORNING should be GOOD MORNING.
I notice that in this part of the world, our response to the greeting HELLO is usually Hi. That is against the convention of greeting. The response to HELLO should be HELLO and the response to Hi should be Hi.
How are you versus How do you do?
How are you is part of the expressions used in greeting. It is used in greeting someone that is known to you because you have met him before .
How do you do ,however, is used to greet someone you have just met for the first time.
The response to “How do you do should be How do you do? too
There are some controversies that are usually experienced whenever a person sneezes or coughs.
I heard someone say “Take care” to a person that coughed. Another person said “Sorry!”
TAKE CARE is used as CAREFUL, especially for a person that falls or is about to fall.
Sorry! is used as an apology for what you have done wrong.
As a response to a sneeze or a cough, Say: God bless you.
There are other forms of responses which are analysed below:
How to respond to “How are you?”, “What’s up?”, and other conversation starters
There are a few questions that English speakers ask at the beginning of a conversation. These questions are simple tools to find out if there are any interesting topics to discuss:
How are you?
How’s it going?
What’s up?
What’s happening?
You’ve certainly heard these questions, but you might be confused about how to answer. Here’s a list of common answers to them:
How are you?
Fine.
This is a simple, straight answer. If you don’t say anything else, though, it might be a signal that you don’t want to continue the conversation.
Not bad.
This is a more friendly-sounding answer than “fine”.
Fine, thanks.
This answer is formal. You might answer this way if someone you don’t know, like a waiter at a restaurant, asks how you are.
Very well, thanks.
A person who likes to be grammatically proper might answer this way. Technically, the question “How…?” should be answered with an adverb. However, a lot of English speakers don’t know or care about this. The people who do are “by the books” types who insist on using grammatically correct language.
Pretty good.
If you don’t care as much about grammar, you can answer “Good” or “Pretty good”. It’s more common and much, much more casual.
Great! How are you doing?
This is an enthusiastic, excited response. It’s always good to ask a question back to the other person if you want to continue the conversation.
I’m hanging in there.
This answer makes it sound like you’re having a tough day.
I’ve been better.
People usually give positive answers to the question “How are you?” If you give a negative answer like this one, it usually means that you want to tell the listener your sad story. So they’ll usually ask what’s wrong:
A: How are you?
B: I’ve been better.
A: What’s wrong?
B: I just found out that I’m being laid off.
How’s it going?
This question is similar to “How are you”. The answers discussed above all work for “How’s it going?” as well.
Here’s another answer that will also work for “How’s it going”, but not for “How are you?”
It’s going well.
This is a friendly, polite answer that’s suitable for coworkers, clients, and acquaintances that you haven’t seen in a while.
What’s up?
This question means “What’s happening in your life?” But you don’t have to answer honestly. If you don’t want to start a long conversation, you can use one of these standard replies:
Nothing much.
This is the most common answer. You can follow it by sharing something interesting that’s happening: “Nothing much. Just getting ready for Vanessa’s graduation.”
Not a lot.
This is another really common answer. It’s just a bit fresher than “Nothing much” because it’s a little less common.
Nothing.
This is more to-the-point. It might make you seem a little angry or rude.
Oh, just the usual.
Answer this way if you do mostly the same things each day.
Just the same old same old.
This phrase means that you’re doing the same things every day, and you’re a little bored of it.
Oh gosh, all kinds of stuff!
You can answer this way if your life has been really busy and exciting lately.
What’s happening?
This question means the same thing as “What’s up” and can be answered in the same way.
When not to answer
One other thing that you should know: all of these questions can also be used to mean “Hello”. In that case, you don’t have to answer. It would be more natural to respond with another greeting:
A: How are you?
B: Hey, how’s it going?
So how do you know whether someone really wants to know how you are, or they’re just saying “Hi”? You can tell that it’s just a greeting if:
they’re walking by you and don’t stop to hear your answer
they wave to you while asking
the tone of their voice doesn’t go up at the end.
This is where we end our discussion for now.
At the Stylisticians English Language School, our business is to train people on how to become a better writer and speaker of the English Language.
Contact us today
WhatsApp: 08171401266
Call:08033336265
Nigeria’s Inflation Drops to 15.10% as NBS Reports Deflationary Trend
Nigeria’s headline inflation rate declined to 15.10 per cent in January 2026, marking a significant drop from 27.61 per cent recorded in January 2025, according to the latest Consumer Price Index (CPI) report released by the National Bureau of Statistics.
The report also showed that month-on-month inflation recorded a deflationary trend of –2.88 per cent, representing a 3.42 percentage-point decrease compared to December 2025. Analysts say the development signals easing price pressures across key sectors of the economy.
Food inflation stood at 8.89 per cent year-on-year, down from 29.63 per cent in January 2025. On a month-on-month basis, food prices declined by 6.02 per cent, reflecting lower costs in several staple commodities.
The data suggests a sustained downward trajectory in inflation over the past 12 months, pointing to improving macroeconomic stability.
The administration of President Bola Ahmed Tinubu has consistently attributed recent economic adjustments to ongoing fiscal and monetary reforms aimed at stabilising prices, boosting agricultural output, and strengthening domestic supply chains.
Economic analysts note that while the latest figures indicate progress, sustaining the downward trend will depend on continued policy discipline, exchange rate stability, and improvements in food production and distribution.
The January report provides one of the clearest indications yet that inflationary pressures, which surged in early 2025, may be moderating.
Nigeria’s headline inflation rate declined to 15.10 per cent in January 2026, marking a significant drop from 27.61 per cent recorded in January 2025, according to the latest Consumer Price Index (CPI) report released by the National Bureau of Statistics.
The report also showed that month-on-month inflation recorded a deflationary trend of –2.88 per cent, representing a 3.42 percentage-point decrease compared to December 2025. Analysts say the development signals easing price pressures across key sectors of the economy.
Food inflation stood at 8.89 per cent year-on-year, down from 29.63 per cent in January 2025. On a month-on-month basis, food prices declined by 6.02 per cent, reflecting lower costs in several staple commodities.
The data suggests a sustained downward trajectory in inflation over the past 12 months, pointing to improving macroeconomic stability.
The administration of President Bola Ahmed Tinubu has consistently attributed recent economic adjustments to ongoing fiscal and monetary reforms aimed at stabilising prices, boosting agricultural output, and strengthening domestic supply chains.
Economic analysts note that while the latest figures indicate progress, sustaining the downward trend will depend on continued policy discipline, exchange rate stability, and improvements in food production and distribution.
The January report provides one of the clearest indications yet that inflationary pressures, which surged in early 2025, may be moderating.
Alpha Morgan to Host 19th Economic Review Webinar
In an economy shaped by constant shifts, the edge often belongs to those with the right information.
On Wednesday, February 25, 2026, Alpha Morgan Bank will host the 19th edition of its Economic Review Webinar, a high-level thought leadership session designed to equip businesses, investors, and individuals with timely financial and economic insight.
The session, which will hold live on Zoom at 10:00am WAT and will feature economist Bismarck Rewane, who will examine the key signals influencing Nigeria’s economic direction in 2026, including policy trends, market movements, and global developments shaping the local landscape.
With a consistent track record of delivering clarity in uncertain times, the Alpha Morgan Economic Review continues to provide practical context for decision-making in a dynamic environment.
Registration for the 19th Alpha Morgan Economic Review is free and can be completed via https://bit.ly/registeramerseries19
It is a bi-monthly platform that is open to the public and is held virtually.
Visit www.alphamorganbank to know more.
GTBank Launches Quick Airtime Loan at 2.95%
Guaranty Trust Bank Ltd (GTBank), the flagship banking franchise of GTCO Plc, Africa’s leading financial services group, today announced the launch of Quick Airtime Loan, an innovative digital solution that gives customers instant access to airtime when they run out of call credit and have limited funds in their bank accounts, ensuring customers can stay connected when it matters most.
In today’s always-on world, running out of airtime is more than a minor inconvenience. It can mean missed opportunities, disrupted plans, and lost connections, often at the very moment when funds are tight, and options are limited. Quick Airtime Loan was created to solve this problem, offering customers instant access to airtime on credit, directly from their bank. With Quick Airtime Loan, eligible GTBank customers can access from ₦100 and up to ₦10,000 by dialing *737*90#. Available across all major mobile networks in Nigeria, the service will soon expand to include data loans, further strengthening its proposition as a reliable on-demand platform.
For years, the airtime credit market has been dominated by Telcos, where charges for this service are at 15%. GTBank is now changing the narrative by offering a customer-centric, bank-led digital alternative priced at 2.95%. Built on transparency, convenience and affordability, Quick Airtime Loan has the potential to broaden access to airtime, deliver meaningful cost savings for millions of Nigerians, and redefine how financial services show up in everyday life, not just in banking moments.
Commenting on the product launch, Miriam Olusanya, Managing Director of Guaranty Trust Bank Ltd, said: “Quick Airtime Loan reflects GTBank’s continued focus on delivering digital solutions that are relevant, accessible, and built around real customer needs. The solution underscores the power of a connected financial ecosystem, combining GTBank’s digital reach and lending expertise with the capabilities of HabariPay to deliver a smooth, end-to-end experience. By leveraging unique strengths across the Group, we are able to accelerate innovation, strengthen execution, and deliver a more integrated customer experience across all our service channels.”
Importantly, Quick Airtime Loan highlights GTCO’s evolution as a fully diversified financial services group. Leveraging HabariPay’s Squad, the solution reinforces the Group’s ecosystem proposition by bringing together banking, payment technology, and digital channels to deliver intuitive, one-stop experiences for customers.
With this new product launch, Guaranty Trust Bank is extending its legacy of pioneering digital-first solutions that have redefined customer access to financial services across the industry, building on the proven strength of its widely adopted QuickCredit offering and the convenience of the Bank’s iconic *737# USSD Banking platform.
About Guaranty Trust Bank
Guaranty Trust Bank (GTBank) is the flagship banking franchise of GTCO Plc, a leading financial services group with a strong presence across Africa and the United Kingdom. The Bank is widely recognized for its leadership in digital banking, customer experience, and innovative financial solutions that deliver value to individuals, businesses, and communities.
About HabariPay
HabariPay is the payments fintech subsidiary of GTCO Plc, focused on enabling fast, secure, and accessible digital payments for individuals and businesses. By integrating payments and digital technology, HabariPay supports innovative services that make everyday financial interactions simpler and more seamless.
Enquiries:
GTCO
Group Corporate Communication
[email protected]
+234-1-2715227
www.gtcoplc.com
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