Business
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
FirstBank Makes Home Ownership Possible for Nigerians with Single-Digit Interest Rate Loan
For millions of Nigerians, homeownership has long felt like an ambition deferred. Squeezed by rising property prices, persistent double-digit inflation and high commercial lending rates, the dream of owning a home has remained just that – a dream.
But that narrative is quietly changing. Thanks to FirstBank.
The N1 Trillion Intervention Reshaping Access
In partnership with the Ministry of Finance Incorporated Real Estate Investment Fund (MREIF), FirstBank has unveiled a mortgage opportunity that could redefine access to housing finance in Nigeria.
Backed by the Federal Government’s N1trillion mortgage fund, the initiative is designed to empower Nigerians with affordable, long-term credit to own their homes.
9.75% Interest Rate in a 30% Lending Environment
MREIF is priced at 9.75% per annum, dramatically lower than prevailing commercial loan rates. Eligible Nigerians can access up to N100 million and repay within 20 years. This translates into significantly more manageable monthly repayments and greater long-term financial stability.
Built for Salary Earners, Entrepreneurs and the Diaspora
The MREIF mortgage facility has been structured to be inclusive. It is available to salary account holders, business owners and diaspora customers. Whether you are a young professional aiming to exit the rent cycle, an entrepreneur building generational stability, or you’re a Nigerian abroad looking to secure assets locally, the product opens a pathway that has historically been out of reach for many.
Taking the First Step
For those who have been waiting for the right time, this is definitely it. The question is no longer whether homeownership is possible. The real question is: will you act before the window narrows?
Visit https://www.firstbanknigeria.com/personal/loans/mreif-home-loan/ and in no time you could be the latest homeowner in town.
Alpha Morgan Bank Deepens Presence in Abuja with New Branch in Utako
Marking another milestone in its expansion drive, Alpha Morgan Bank has opened a new branch in Utako, Abuja, reinforcing its strategy of building closer institutional ties within key business communities and bringing its financial expertise closer to individuals, and enterprises driving the city’s growth.
The new branch, located at Plot 1121 Obafemi Awolowo Way, Utako, Abuja is strategically positioned to serve individuals, entrepreneurs, and corporate clients within Utako and surrounding districts.
The expansion follows the Bank’s recently concluded Economic Review Webinar held in February 2026, as the bank continues to position as a thought-leader in the financial services industry.
Speaking on the opening, Ade Buraimo, Managing Director of Alpha Morgan Bank, said the move underscores the Bank’s commitment to accessibility and service excellence.
“Proximity matters in banking. As communities grow and commercial activity expands, financial institutions also evolve to meet customers where they are. The Utako Branch allows us to deliver our services to people in that community efficiently while maintaining the high standards our customers expect,”
The Utako location will provide a full suite of retail and corporate banking services, including account opening, deposits, transfers, business banking solutions, and financial advisory support.
Customers and members of the public are invited to visit the new Utako Branch to experience the Bank’s approach to satisfying banking.
Dangote Refinery Prioritises Domestic Supply Amid Global Energy Turbulence
By George Omagbemi Sylvester | Published by SaharaWeeklyNG
“Nigeria insulated from international fuel shocks as Dangote Petroleum commits to uninterrupted local delivery.”
Dangote Petroleum Refinery and Petrochemicals has reaffirmed its commitment to prioritising the domestic market, pledging to shield Nigerians from the ripple effects of ongoing global energy disruptions. The assurance, delivered in Lagos on 5 March 2026, comes as international refinery operations experience shutdowns or reduced output due to escalating Middle East geopolitical tensions, which have sent crude oil and petroleum product prices soaring worldwide.
“Our mandate remains clear: Nigeria’s local market takes precedence. In times of global supply shocks, we will continue to ensure that domestic availability of petrol, diesel, and kerosene is uninterrupted,” said Mr. Folorunsho Alakija, spokesperson for Dangote Petroleum Refinery.
The refinery’s declaration arrives amid mounting concerns over fuel scarcity, triggered by export restrictions imposed by major international producers, including China, and shipping delays that have further tightened global petroleum supply chains. Industry analysts have hailed the domestic focus as a critical buffer against volatility that could otherwise push Nigeria into deeper energy insecurity.
Domestic Shield Against Global Disruption
Dangote Refinery, Africa’s largest oil processing facility, has leveraged its multi-million-barrel refining capacity to mitigate Nigeria’s historical dependence on imported petroleum products. The company emphasised that prioritising local supply provides a strategic advantage in insulating the nation from international market shocks.
“Our refinery’s scale allows Nigeria to withstand short-term external disruptions. We have the infrastructure and capacity to meet local demand even when global supply chains falter,” explained Mr. Chijioke Okonkwo, Operations Director at Dangote Refinery.
The proactive approach is particularly significant as several international refineries have either reduced throughput or temporarily halted operations, causing a global scarcity of refined products. Experts warn that without domestic cushioning, fuel prices in Nigeria could have surged sharply, exacerbating inflationary pressures in a fragile economy.
Managing Costs While Prioritising Supply
In response to rising procurement costs for crude oil amid the international crisis, Dangote Refinery introduced a modest ₦100 per litre increase in the ex-depot price of Premium Motor Spirit (PMS), absorbing roughly 20 percent of the cost escalation to lessen the impact on consumers.
“We are balancing operational sustainability with affordability. While global prices have risen sharply, we have chosen to absorb a significant portion to protect Nigerian households and businesses,” noted Mr. Emmanuel Adeyemi, Chief Finance Officer.
This pricing strategy underscores the refinery’s dual focus: ensuring uninterrupted supply while cushioning the public from abrupt spikes that could destabilize economic activity. Industry observers have lauded the approach as pragmatic, considering the volatility in international oil markets.
Strategic Distribution Initiatives
Beyond refining, Dangote Petroleum has initiated Compressed Natural Gas (CNG) powered trucks to enhance nationwide distribution efficiency. The initiative seeks to reduce logistics costs and carbon emissions while ensuring a more reliable delivery network to petrol stations across urban and rural areas.
“Logistics is a critical part of the energy supply chain. By deploying CNG-powered trucks, we reduce dependency on expensive diesel, lower delivery costs, and improve supply reliability across the country,” explained Ms. Funke Adedoyin, Head of Logistics Operations.
This strategic move reflects a broader commitment to modernising Nigeria’s petroleum distribution infrastructure, reducing bottlenecks that have historically contributed to scarcity at retail outlets.
Implications for National Energy Security
Nigeria has historically struggled with fuel imports to meet domestic demand, making the country vulnerable to international market fluctuations. Dangote Refinery’s prioritisation of local supply mitigates this vulnerability by leveraging home-grown refining capacity, which allows for timely access to petroleum products and less reliance on foreign shipments.
“With Dangote Refinery leading local prioritisation, Nigeria is less exposed to global fuel shocks. The country is moving towards self-reliance in petroleum product supply,” commented Dr. Halima Suleiman, energy sector analyst.
Experts note that sustained operations at the refinery not only enhance energy security but also preserve foreign exchange, reduce import bills, and stabilise domestic market prices.
Corporate Social Responsibility and Market Stability
The refinery’s commitment is part of a broader corporate responsibility framework. Dangote Petroleum continues to engage with government agencies and regulatory bodies, ensuring that domestic supply is coordinated with Nigeria’s Petroleum Product Pricing and Regulatory Agency (PPPRA) to prevent panic buying and market distortions.
“We are in constant consultation with the government to ensure that our supply strategies align with national economic priorities,” said Mr. Alakija.
Such collaboration helps avert artificial shortages, stabilises pump prices, and maintains confidence in the domestic fuel market. Analysts argue that this approach exemplifies how private sector capabilities can complement governmental policies to enhance national resilience.
Navigating Global Uncertainties
The refinery operates in a complex global environment, where geopolitical crises, shipping constraints, and crude oil volatility can trigger disruptions. Dangote Petroleum’s domestic-first approach positions Nigeria to weather such crises more effectively.
“Global uncertainties are unavoidable, but our infrastructure and strategy ensure that Nigerians remain insulated from immediate shocks,” said Mr. Okonkwo.
This emphasis on resilience aligns with global best practices, where national refining capacity is leveraged to protect local markets from international supply disruptions.
Stakeholder Reactions
The government, civil society, and industry stakeholders have welcomed Dangote Petroleum’s strategy. Officials from the Federal Ministry of Petroleum Resources noted that prioritising local supply aligns with Nigeria’s energy security policies and reduces the burden of foreign exchange expenditures on crude imports.
“Dangote Refinery is demonstrating leadership. Its domestic prioritisation ensures that the Nigerian economy remains insulated during turbulent global markets,” said Dr. Tunji Olumide, Special Adviser on Energy.
Consumers have also expressed cautious optimism. Retail operators and commuters reported steadier fuel availability in Lagos and other cities, though concerns remain about sustained pricing and distribution efficiency.
The Road Ahead
While Dangote Refinery’s strategy provides immediate relief, experts argue that long-term stability requires further investments in alternative energy, diversified refining infrastructure, and strategic reserves. This ensures that Nigeria can withstand global shocks without relying excessively on imports or temporary supply adjustments.
“Short-term measures like prioritising local supply are critical, but long-term energy security demands diversification, renewables adoption, and consistent policy implementation,” said Dr. Suleiman.
The refinery is exploring additional initiatives, including expanding storage capacity, upgrading pipeline networks, and adopting technology-driven monitoring systems to ensure supply continuity across the country.
Final Take
By prioritising domestic fuel supply amid global market turbulence, Dangote Petroleum Refinery and Petrochemicals has demonstrated its role as a stabilising force in Nigeria’s energy sector. Through strategic logistics, modest pricing adjustments, and engagement with government regulators, the refinery is insulating the nation from international shocks while maintaining operational sustainability.
“Our responsibility extends beyond profitability; it’s about ensuring Nigerians have reliable access to essential fuel. We take that mandate seriously,” concluded Mr. Adeyemi.
The refinery’s actions offer a blueprint for how large-scale domestic capacity can protect national economies in times of global energy instability, underscoring the critical intersection of private sector resilience, public policy, and national energy security.
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