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Government, Not Shareholders, Emerges the Biggest Winner in Nigeria’s Banking Boom, Earning Over N1.16tn in 2024

By
Samuel Nwite
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0

In 2024, Nigeria’s leading banks rode a wave of macroeconomic volatility to record-breaking profits. Collectively, nine top banks—Access Holdings, FCMB, Fidelity, First Holdco, GTCO, Stanbic IBTC, UBA, Wema Bank, and Zenith—declared a staggering N4.786 trillion in profit after tax, a 53.34% rise from the N3.121 trillion posted in 2023.

But beyond the surge in bottom-line figures lies a more compelling revelation: these banks generated N8.871 trillion in total wealth, according to their Value-Added Statements (VAS)—a 66.3% increase from N5.335 trillion the previous year. This wealth, though created by private institutions, was more generously shared with the government than with the banks’ shareholders.

The VAS, often overlooked in financial analyses, breaks down how generated wealth is distributed among key stakeholders—governments, employees, capital providers, shareholders, and the banks themselves through retained earnings. What it shows in 2024 is a consistent trend across institutions: governments, particularly through taxes, emerged as the largest external beneficiaries.

Government Bags the Lion’s Share in Taxes

While banks paid out a record N951.4 billion to shareholders, representing an 87% increase from 2023, the federal and state governments collectively walked away with an even larger share—N1.166 trillion in taxes. This represents a 111.4% jump from the previous year, making public coffers the biggest winner of the banking boom.

Zenith Bank, Nigeria’s most profitable bank in 2024 with a profit after tax of N1.032 trillion, paid the government N294 billion in taxes and levies—147% more than the previous year. Shareholders, by comparison, received N196.676 billion. The bank retained N1.085 trillion, which includes statutory reserves and allocations for future use.

GTCO followed closely, reporting a N1.018 trillion profit and generating N1.410 trillion in value. Government receipts from GTCO hit N248.443 billion—a 257% increase. Though shareholders were paid N236.332 billion, it was still short of what the state received.

Access Holdings, which generated the highest value-added of all at N1.622 trillion, paid N224.802 billion to the government and N261 billion to finance providers. Shareholders got N125.299 billion, highlighting a lopsided distribution.

First Holdco, with N1.593 trillion in generated value, saw government taxes reach N132.977 billion, while shareholders took home a mere N25.127 billion—five times less than the state’s cut.

Fidelity Bank’s case was even starker. It paid N95.454 billion in taxes—an astronomical leap from the N4.170 billion paid in 2023. Yet shareholder dividends were N89.965 billion, slightly less than the government’s haul despite a 231% year-on-year jump.

Stanbic IBTC paid N78.485 billion in taxes from a total of N408.586 billion value-added, while employees received N86.681 billion—more than what the government or shareholders earned. Shareholders got N64.758 billion, the lowest of the three.

Even FCMB, which experienced a 21% decline in profit after tax, paid more to the government (N38.558 billion) than it did to shareholders (N21.783 billion), reinforcing the broader pattern.

UBA and Wema Bank were rare exceptions. UBA paid N37.158 billion to the government and N170.997 billion to shareholders, while Wema’s dividend payout (N21.430 billion) outpaced the N16.235 billion in taxes. But such reversals were the exception rather than the norm.

A Shift in Value Distribution

The results underscore a significant shift in value distribution—one where the Nigerian government, through its tax mechanisms, has become the largest external recipient of private banking wealth. In total, banks retained N5.467 trillion for reinvestment and expansion, reflecting prudence amid economic uncertainty. However, the amount received by the government far exceeded the sums returned to the very investors who took the risk in the first place.

This growing share of national revenue sourced from the financial sector also underscores a broader economic reality: Nigeria’s fiscal reliance on private capital may be deepening, particularly as oil revenues remain underwhelming and foreign investments continue to waver.

Taxation of the banking sector is, by all indications, filling some of the gaps. But the scale and pace of tax growth, more than doubling in some institutions, raises questions about the sustainability of this model, and whether governments are leaning too heavily on a handful of highly capitalized corporations to fund bloated budgets.

For context, the government’s N1.166 trillion tax taken from just nine banks is not far off from key capital expenditures in the national budget. The same year, capital allocations to sectors such as education, health, and public infrastructure combined struggled to meet similar figures. This disproportion reinforces the narrative of private capital being tapped to keep the state afloat.

But it also exposes a risk. If macroeconomic volatility intensifies, and these profit levels begin to taper, especially amid tighter monetary policies or currency instability, the state’s over-reliance on bank taxes could pose a fiscal risk.

Austin Law Firms Specializing in Car Accident Cases

By
TI Partners
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0

Car accidents can turn life upside down in an instant. Medical bills pile up, injuries cause pain, and dealing with insurance companies feels overwhelming. 

Finding the right lawyer can make all the difference. Lawyers in Austin focus on helping car accident victims get the compensation they deserve. 

They offer free consultations, fight insurance companies, and work on a “no win, no fee” basis. 

Below is a list of trusted law firms in Austin specializing in car accident cases.

Sutliff & Stout Injury & Accident Law Firm

Sutliff & Stout has been handling car accident cases in Austin since 2008. Founded by Graham Sutliff and Hank Stout, the firm focuses on helping injured victims secure fair compensation. Their team works on a contingency fee basis, meaning clients do not pay unless they win.

Areas of Expertise

  • Car and truck accidents
  • Wrongful death cases
  • Catastrophic injuries
  • Product liability claims
  • Maritime law cases

Client-Centered Approach

  • Direct communication with experienced attorneys
  • Personalized attention for each case
  • Free initial consultations
  • No upfront fees

Proven Case Results

The firm has successfully recovered millions for clients in Texas. They have handled cases involving severe injuries, permanent disabilities, and wrongful death claims. 

Many clients have received substantial settlements, including six and seven-figure payouts, due to their strategic legal approach and aggressive representation.

Contact Information

  • Address: 9433 Bee Cave Road, Building III, Suite 200, Austin, TX 78733
  • Phone: (512) 616-2222
  • Availability: 24/7 for free case reviews

Texas Law Guns, Injury & Accident Lawyers (Villarreal & Begum)

Texas Law Guns, also known as Villarreal & Begum, is a top-rated personal injury law firm in Austin. 

Their team has secured over $500 million in settlements for clients injured in car accidents. They work on a contingency fee basis, meaning clients pay nothing unless they win.

Areas of Expertise

  • Car accidents, including rear-end and multi-vehicle crashes
  • Truck and 18-wheeler accidents
  • Motorcycle and pedestrian accidents
  • Wrongful death cases
  • Slip and fall injuries

Aggressive Legal Representation

The firm is known for taking on insurance companies and fighting for maximum compensation. They use expert accident reconstruction, medical evaluations, and negotiation tactics to build strong cases. 

Many clients report that their legal team secured settlements that insurance companies initially refused to pay.

High-Value Settlements

Texas Law Guns has a history of securing large settlements for clients, including cases involving life-altering injuries and wrongful deaths. Their experience handling complex claims allows them to maximize compensation, covering medical expenses, lost wages, and pain and suffering.

Contact Information

  • Address: 2211 S. Interstate 35, Ste 109, Austin, TX 78741
  • Phone: (512) 800-0000
  • Availability: 24/7 for free case reviews

Lorenz & Lorenz Accident & Injury Lawyers PLLC

Lorenz & Lorenz is a well-known personal injury law firm in Austin, Texas, focusing on car and truck accident cases. Their legal team has built a strong reputation for securing high-value settlements and taking on insurance companies to ensure clients receive fair compensation.

Significant Case Outcomes

The firm has successfully handled complex car accident claims, securing:

  • $6 Million for a truck accident resulting in severe injuries
  • $3 Million for a blind spot accident causing multiple injuries
  • $2 Million for a rear-end collision leading to paralysis

These results highlight their ability to fight for maximum compensation in serious injury cases.

Client Success Stories

Clients frequently praise Lorenz & Lorenz for their professionalism and dedication. Many describe their experience as stress-free, with lawyers providing clear communication and guidance throughout the legal process. One client shared that after a major car accident, the firm handled everything smoothly, making a difficult situation much easier.

Contact Information

  • Address: 1515 S. Capital of Texas Hwy, Suite 500, Austin, TX 78746
  • Phone: (512) 477-7333
  • Availability: 24/7 for free case reviews

The Bonilla Law Firm

The Bonilla Law Firm is a family-owned personal injury firm serving Austin and Central Texas. 

With over 30 years of experience, they have handled severe injury and wrongful death cases, working with accident reconstructionists and medical experts to build strong claims.

Proven Case Results

The firm has secured significant settlements for accident victims, including:

  • $2.1 Million for a commercial vehicle accident requiring back surgery
  • $2 Million for a large truck crash resulting in wrongful death
  • $1 Million for an 18-wheeler accident leading to spinal surgery

What Clients Say

Clients often praise the Bonilla Law Firm for their professionalism and support. One client shared that after their accident, the firm guided them through the claims process smoothly, securing a fair settlement within six months. 

Others highlight the team’s clear communication and dedication to client needs.

Contact Information

  • Address: 3910 South IH-35, Suite 200, Austin, Texas 78704
  • Phone: (512) 441-1111
  • Availability: Free consultations, no fees unless they win

How to Choose the Best Car Accident Lawyer in Austin

Not all lawyers are the same. Choosing the right car accident attorney can make a huge difference in the outcome of your case. 

Some firms focus on quick settlements, while others fight for maximum compensation. Knowing what to look for helps you make an informed decision.

Key Factors to Consider

  • Experience with Car Accident Cases – A lawyer with a strong history of handling car accident claims will know how to deal with insurance companies and legal hurdles.
  • Proven Track Record – Look for firms with high-value settlements and successful trial outcomes.
  • Client Reviews and Reputation – Read reviews and ask for referrals to see how past clients felt about their experience.
  • Communication and Availability – Your lawyer should keep you updated and answer your questions promptly.
  • Fee Structure – Most car accident lawyers work on contingency, meaning you pay nothing unless they win.

Red Flags to Avoid

  • Lawyers who pressure you into signing quickly
  • Firms that lack real case results or testimonials
  • Poor communication or long response times
  • Hidden fees or unclear billing practices

Steps to Take After a Car Accident

Taking the right steps after a car accident can protect your health and strengthen your legal claim. Many victims make mistakes that hurt their chances of getting full compensation.

Immediate Actions at the Scene

  • Check for Injuries – Get medical help for yourself and others.
  • Call the Police – A police report can serve as key evidence in your case.
  • Document Everything – Take pictures of the vehicles, injuries, and surroundings.
  • Get Contact Information – Collect details from drivers, passengers, and witnesses.
  • Avoid Admitting Fault – Do not apologize or speculate about what happened.

What to Do in the Days After

  • Seek Medical Attention – Some injuries appear later, so get checked even if you feel fine.
  • Notify Your Insurance – Report the accident but avoid detailed statements before consulting a lawyer.
  • Consult a Car Accident Attorney – A lawyer can help you understand your rights and deal with insurance companies.

Common Mistakes to Avoid

  • Waiting too long to seek medical treatment
  • Accepting a low settlement without legal advice
  • Posting about the accident on social media
  • Giving a recorded statement to an insurance company without a lawyer’s guidance

What Compensation Can You Expect?

The value of a car accident claim depends on many factors, including the severity of injuries, medical costs, and lost wages. 

An experienced attorney can calculate a fair settlement based on your losses.

Types of Compensation Available

  • Medical Expenses – Covers emergency care, hospital bills, surgeries, therapy, and medication.
  • Lost Wages – Compensation for missed work, reduced earning capacity, or permanent disability.
  • Property Damage – Repairs or replacement of your vehicle and personal belongings.
  • Pain and Suffering – Compensation for emotional distress, physical pain, and long-term trauma.
  • Punitive Damages – In rare cases, courts may award extra compensation if the accident was caused by reckless behavior, such as drunk driving.

Factors That Affect Settlement Amounts

  • Severity of Injuries – More serious injuries usually result in higher settlements.
  • Fault and Liability – If you are partially at fault, your compensation may be reduced.
  • Insurance Coverage – Available insurance policies play a big role in payout limits.
  • Long-Term Impact – Permanent injuries or disabilities increase settlement value.

When to Contact a Lawyer for Your Car Accident Case

Not every car accident requires a lawyer, but having one can make a huge difference when dealing with insurance companies.

The best time to contact a lawyer is as soon as possible after the accident. The earlier a lawyer is involved, the stronger your case can be. Many firms offer free consultations, so you can learn your options without any financial risk.

Signs You Need a Lawyer

  • You suffered serious injuries or long-term disability.
  • The other driver’s insurance company is disputing liability.
  • Your medical bills and lost wages are adding up.
  • You received a lowball settlement offer.
  • The accident involved a commercial vehicle or multiple parties.

FAQs

Can I still file a claim if I was partially at fault for the accident?

Yes. Texas follows a modified comparative negligence rule, meaning you can recover compensation as long as you are less than 51% at fault. However, your settlement will be reduced by your percentage of fault.

What if the driver who hit me was uninsured?

If the at-fault driver has no insurance, you may still have options. You can file a claim under your own uninsured/underinsured motorist coverage (UM/UIM) if you have it. A lawyer can also help determine if other sources of compensation are available.

Do I have to go to court to get compensation?

Most car accident claims settle outside of court through negotiations with insurance companies. However, if the insurance company refuses to offer a fair settlement, your lawyer may recommend filing a lawsuit to seek full compensation.

How long does a car accident case take to settle?

It depends on the complexity of the case. Minor accident claims may settle in a few months, while cases involving severe injuries, disputed liability, or lawsuits can take a year or more.

Can I change lawyers if I am unhappy with my current attorney?

Yes. You have the right to switch lawyers at any time if you are not satisfied with their communication, progress, or approach. A new lawyer can take over your case and handle the transition smoothly.

Last Words

Finding the right car accident lawyer in Austin can make all the difference in securing fair compensation. The law firms listed above have strong track records, extensive experience, and a commitment to fighting for injured victims. 

Taking the right steps after an accident, avoiding common mistakes, and knowing when to seek legal help can protect your rights. 

If you have been injured in a crash, consulting with a skilled attorney as soon as possible can help you get the compensation you deserve.

World’s Largest Sovereign Wealth Fund Posts $40bn Q1 Loss Amid Tech Rout and Trump Tariff War

By
Samuel Nwite
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0

Norges Bank Investment Management (NBIM), which oversees the world’s largest sovereign wealth fund, reported a first-quarter loss of 415 billion Norwegian kroner ($40 billion), with tech-sector weakness and renewed trade tensions, particularly from Washington, pulling down returns and adding fresh volatility to global markets.

“Our equity investments had a negative return, largely driven by the tech sector,” NBIM CEO Nicolai Tangen said Thursday. “The quarter has been impacted by significant market fluctuations.”

The fund’s total value stood at 18.53 trillion kroner at the end of March, with equities—accounting for 70% of holdings—posting a 1.6% loss. The broader decline in value, however, was compounded by significant foreign exchange headwinds, especially the strengthening of the krone, which knocked off 879 billion kroner from the fund’s paper value. Overall, the fund’s market worth contracted by 1.215 trillion kroner through the quarter.

While fixed-income investments returned a modest 1.6% and unlisted real estate delivered 2.4%, these gains were not enough to offset the damage from equities, particularly from the tech sector where NBIM holds significant positions in companies like Nvidia, Meta, Alphabet, Microsoft, Amazon, and Tesla.

Trump’s Tariff Strategy Sparks Global Market Anxiety

This is the second time in just three months that major market players have had to reckon with the weight of U.S. President Donald Trump’s trade agenda. While tensions with Beijing are not new, Trump’s revived focus on imposing sweeping tariffs on Chinese goods, and threatening similar measures against European economies, has stirred fears that the global economy could be pushed into a fresh slowdown.

NBIM’s exposure to tech has made it especially vulnerable to these developments. The March tech sell-off, which erased $2.7 trillion in market value from industry giants, was driven in large part by fears that Trump’s tariffs would disrupt U.S.-China supply chains and drive up operational costs for American companies.

NBIM’s sharp quarterly decline followed closely on the heels of a January market tremor triggered by a surprising leap in Chinese AI development. DeepSeek, a little-known Chinese startup, developed a powerful large language model at a fraction of the cost of OpenAI’s ChatGPT—an announcement that rocked investor confidence in the U.S. tech sector’s future pricing power and dominance.

Analysts say the fund’s losses could deepen if Trump’s rhetoric translates into action. Trump recently slammed Beijing for its “ridiculous” 145% tariffs on imported cars and suggested that the U.S. will impose a retaliatory tariff—not as high, but “nowhere near zero.” In what many analysts believe is an orchestrated strategy, Scott Bessent, a former Trump campaign economic adviser, had earlier described the U.S.-China trade setup as “unsustainable,” suggesting the administration wants Beijing to return to the negotiating table without Trump making a direct overture.

Trump added that he expects to “get along just nicely” with President Xi Jinping, suggesting there’s still room for a diplomatic solution. But in the meantime, the uncertainty is weighing on markets.

NBIM Faces Test of Long-Term Strategy

NBIM, which manages Norway’s oil revenue surplus and invests across more than 8,600 companies in 63 countries, has traditionally emphasized its long-term horizon, staying resilient through multiple cycles. Last year, the fund recorded its best performance on record with a $222 billion annual gain, driven by the AI-fueled rally in tech stocks.

But this year’s first-quarter stumble shows that even the most diversified, well-capitalized funds are susceptible to the shifting geopolitical winds. A protracted trade war, especially one involving retaliatory tariffs on consumer electronics, semiconductors, and automotive components, could severely disrupt the valuations of companies central to NBIM’s portfolio.

Currency Strength Adds Pressure

While equities bore the brunt, Norway’s stronger krone delivered another blow. Gains against the U.S. dollar and other major currencies during the quarter further reduced the fund’s value on paper by nearly 900 billion kroner. This dynamic underscores how even market-neutral or positive performances in foreign stocks can translate to losses once converted into Norwegian currency.

NBIM’s management has played down the loss as part of normal market fluctuations, reaffirming its commitment to long-term investing. However, with Trump pushing a more confrontational trade stance and with China still working to reassert itself in global tech, the fund faces a delicate stretch ahead.

Markets are now watching whether the White House and Beijing can tone down the saber-rattling. But if not, as the NBIM report illustrates, more pain may be coming—not just for sovereign investors, but for global markets already struggling with AI disruption, inflation, and the return of great-power economic rivalry.

China Dismisses Talk of U.S. Trade Negotiations, Says No Discussions Are Underway

By
Samuel Nwite
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0

Beijing on Thursday dismissed claims from Washington that a thaw in trade relations might be on the horizon, even as signals from the White House suggest a subtle shift in tone amid concerns about the long-term economic toll of the U.S.-China tariff war.

“There are absolutely no negotiations on the economy and trade between China and the U.S.,” said He Yadong, spokesperson for China’s Ministry of Commerce, during a press briefing. He pushed back against suggestions of progress, stating that “all sayings” about resumed talks should be disregarded.

The remarks came in response to comments from U.S. Treasury Secretary Scott Bessent earlier in the week, who described the current state of trade tensions with China as “unsustainable,” a comment widely interpreted by analysts as a calculated nudge intended to draw Beijing back to the negotiating table—without President Trump appearing to make the first move. Bessent’s statement was followed by Trump himself characterizing China’s retaliatory 145% tariffs as “too high,” though he clarified that the U.S. does not plan to lower tariffs to zero either.

“They’re not going to be 155%,” Trump said. “We’re going to find a better place, and I think Xi and I will get along just nicely.” His language, while less hostile than in past statements, was still short of any formal offer or olive branch.

Beijing, however, appears unmoved. A separate statement from Foreign Ministry spokesperson Guo Jiakun reiterated that no discussions are taking place and emphasized that any meaningful engagement would require the U.S. to treat China as an equal partner.

“If the U.S. really wants to resolve the problem, it should cancel all the unilateral measures on China,” He Yadong repeated during his briefing.

Despite these public positions, experts say both sides remain locked in a complicated chess match, with each waiting for the other to make the next substantive move. While Beijing says it’s open to talks, the current signals from Washington are still seen as insufficient.

“China definitely wants to see the trade war deescalate, as it hurts both economies,” said Yue Su, principal economist for China at The Economist Intelligence Institute. “But given the inconsistency of Trump’s policies and the lack of clarity around what he actually wants, China has shifted its strategy. It’s now focusing more on what Beijing itself needs, not just what the U.S. demands.”

Several economists and market watchers believe Bessent’s framing of the situation as “unsustainable” wasn’t accidental. Instead, it’s viewed as part of a backdoor effort to entice Beijing into informal talks by highlighting shared economic concerns. Yet without concrete action such as pausing tariffs or scaling back inflammatory rhetoric, the stalemate is unlikely to break.

Brian Tycangco, an analyst at Stansberry Research who focuses on China and broader Asian markets, said the problem isn’t that Beijing is unwilling to deal. It’s the context Washington is creating.

“I really can’t see it happening yet. And I don’t think it’s because Beijing doesn’t want to make a deal. They do,” Tycangco said. “But Trump needs to tell his vehemently anti-China advisors to ease up on the ‘China-bad, China-is-our-sworn-enemy’ rhetoric. And announce a 60-day pause on China tariffs to give the other side a reason to call.”

That kind of move, Tycangco argued, could offer Beijing a face-saving reason to re-engage without appearing to bow to U.S. pressure. So far, China has responded to each of Washington’s tariff hikes with countermeasures of its own. This month’s 145% tariff from the U.S. triggered new Chinese duties and increased restrictions on the export of critical minerals—moves that risk cascading into a full-blown economic confrontation.

In the meantime, Chinese officials say they’re shifting focus. The Commerce Ministry said Thursday it is prioritizing helping Chinese exporters redirect goods intended for the U.S. to domestic markets or alternative trading partners, especially in Southeast Asia, which has overtaken the European Union as China’s largest regional trading partner.

Some analysts warn that if the White House’s mixed signals continue, China may dig in further.

“We also need to recognize that this is a ‘whatever it takes’ moment for China in terms of U.S.-China relations,” said Yue Su. “I wouldn’t be surprised if China adopts a more hawkish stance if the U.S. continues to escalate tensions.”

Economists at Wall Street banks have already downgraded China’s GDP outlook in recent weeks, citing both the direct impact of tariffs and the chilling effect on global trade sentiment. At the same time, there’s growing pressure in Washington to deliver a breakthrough or explain why years of aggressive trade policy have yet to yield significant strategic gains.

“From China’s perspective, any meaningful negotiations will likely require the U.S. to reduce tariffs to the previous 20% or even lower level,” said Jianwei Xu, senior economist for Greater China at Natixis. “But for the Trump administration, reducing tariffs too far could raise uncomfortable questions: What was the point of the confrontation if we end up back where we started?”

With both sides entrenched and neither willing to be the first to blink, a breakthrough remains elusive—for now. Whether Beijing calls Washington’s bluff or Washington drops the bravado to pick up the phone may ultimately decide how soon the world’s two biggest economies stop circling each other and start talking.

When texting becomes hot: What to say?

By
TI Partners
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0

Like many other things, sexting skills have to be learned – not all of us are naturally good at it, and there’s nothing to be ashamed of. Thinking about hot things to say while sexting, you don’t normally need any hot sexting examples – everything should be authentic and easy-going, so you both can enjoy the process and learn new things. We’ve collected some tips to help you come up with hot sexting messages naturally.

Start with playful teasing

Jumping straight into intense flirting can feel forced, so it’s better to ease into it. Playful teasing helps build tension and keeps things lighthearted. You can start by making a cheeky comment, teasing them about something they said, or playfully challenging them. For example, if they mention being good at something, you could say, “Oh really? I’ll have to see that for myself one day.” This keeps the conversation flirty while leaving room for things to get spicier naturally.

Read their responses and match the vibe

One of the biggest mistakes people make in spicy texting is not paying attention to how the other person is reacting. If their messages are playful and teasing, continue with that same energy. If they start sending bolder or more suggestive messages, then you can gradually step up as well. If their responses become slower or less engaged, it might mean they’re feeling unsure or need a different approach. The key to a great conversation is making sure both people feel comfortable and excited.

Use sensual and descriptive language

Kinky sexting becomes much more immersive when you add descriptive details. Instead of using basic compliments like “You’re hot,” try describing what specifically attracts you to them. Phrases like “I love the way your lips look in your pictures” or “I can almost hear your voice when you text me like this” add more depth. Mentioning sensations like touch, warmth, or even eye contact can make your messages feel more vivid and emotionally engaging.

Ask flirty questions to keep the conversation going

One-sided statements can make the conversation feel dull, so it’s important to ask questions that keep things interactive. Instead of just saying, “I’d love to kiss you,” you could ask, “How would you want me to kiss you if we were alone right now?” This makes the other person feel involved and allows them to express their own thoughts and desires. Thoughtful and creative questions also help build anticipation, making the conversation even more fun and engaging.

Be confident but respectful

Confidence makes flirting more attractive, but pushing too hard can ruin the mood. Instead of making demands while hot sexting, try framing things in an inviting way. Saying, “I love how you tease me” makes the conversation feel mutual rather than one-sided. It’s also important to watch for signals that the other person might be uncomfortable. If they seem hesitant or change the subject, take that as a sign to slow things down. A great spicy conversation should always feel natural and enjoyable for both people.

Practice with AI to build confidence

If you feel awkward or unsure about spicy texting, practicing with an AI chatbot can be a helpful way to improve. AI sexting bots let you experiment with different styles of flirty and spicy messaging without any pressure. You can try different phrases, test how certain words feel, and get a sense of what works best for you. This practice helps build confidence so that when you do have a real conversation, you’ll feel more comfortable and know how to keep the energy exciting.

Know when to slow down or stop

Not every hot sexting conversation will flow smoothly, and that’s okay. Sometimes, the other person might not be in the mood, or they may start feeling overwhelmed. If they stop responding as quickly, give them space instead of pushing for more. Even if the conversation slows down, that doesn’t mean you’ve lost their interest—it might just mean they need a break. Being patient and respecting their comfort level will make them more likely to want to continue flirting with you in the future.

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