<p>Ladies and Gentlemen,</p><p><br/></p><p>Imagine for a moment that you had a very special bank account. Every morning, it credits your account with <strong>₦86,400</strong>. You can spend it however you wish — but here’s the catch: at the end of the day, whatever you don’t use disappears. No savings. No rollover. No second chances.</p><p><br/></p><p>What would you do?</p><p>Of course, you would withdraw and use every single naira wisely. You’d invest, give, plan, and make sure none of it went to waste.</p><p><br/></p><p>My friends, that special account already exists — <strong><em>not in a bank, but in your life</em></strong>. The name of that account is <strong>TIME</strong>.</p><p><br/></p><p>Every morning, you are credited with <strong>86,400 seconds</strong> — a full day’s worth of opportunities. Every night, whatever you failed to use wisely is gone forever. It doesn’t matter who you are — rich or poor, young or old — time gives each of us the same daily deposit. The difference is <strong>how we spend it.</strong></p><p><br/></p><p>You cannot borrow more time. You cannot save today’s seconds for tomorrow. You cannot transfer your hours to another person. What you have is what you have — and it’s up to you to decide what you’ll do with it.</p><p><br/></p><p>Each morning is a gift, a clean slate, a new beginning. Each night, time silently asks you, “<em>What did you do with me today?</em>"</p><p><br/></p><p>The truth is this: it’s never that we don’t have enough time. It’s that we don’t always use our time on the things that truly matter. Your dreams, your purpose, your relationships, your growth — they all depend on how you spend your daily 86,400 seconds.</p><p><br/></p><p>So, starting today, live intentionally. Use your time as if it were money you can never earn again — because that’s exactly what it is. Make every second count, because one day, that account will close for good.</p><p><br/></p><p>Spend your time with purpose. Invest it in people. Use it to build, to learn, to serve, and to grow.</p><p><br/></p><p>Time is life’s most precious currency — and every day, life makes a fresh deposit in your name.</p><p><br/></p><p>Use it wisely.</p><p><br/></p>
At the end of each month, we give out cash prizes to 5 people with the best insights in the past month
as well as coupon points to 15 people who didn't make the top 5, but shared high-quality content.
The winners are NOT picked from the leaderboards/rankings, we choose winners based on the quality, originality
and insightfulness of their content.
Here are a few other things to know
1
Quality over Quantity — You stand a higher chance of winning by publishing a few really good insights across the entire month,
rather than a lot of low-quality, spammy posts.
2
Share original, authentic, and engaging content that clearly reflects your voice, thoughts, and opinions.
3
Avoid using AI to generate content—use it instead to correct grammar, improve flow, enhance structure, and boost clarity.
4
Explore audio content—high-quality audio insights can significantly boost your chances of standing out.
5
Use eye-catching cover images—if your content doesn't attract attention, it's less likely to be read or engaged with.
6
Share your content in your social circles to build engagement around it.
Contributor Rankings
The Contributor Rankings shows the Top 20 Contributors on TwoCents a monthly and all-time basis.
The all-time ranking is based on the Contributor Score, which is a measure of all the engagement and exposure a contributor's content receives.
The monthly score sums the score on all your insights in the past 30 days. The monthly and all-time scores are calcuated DIFFERENTLY.
This page also shows the top engagers on TwoCents — these are community members that have engaged the most with other user's content.
Contributor Score
Here is a list of metrics that are used to calcuate your contributor score, arranged from
the metric with the highest weighting, to the one with the lowest weighting.
4
Comments (excluding replies)
5
Upvotes
6
Views
1
Number of insights published
2
Subscriptions received
3
Tips received
Below is a list of badges on TwoCents and their designations.
Comments