Snapchat acquires a friend location tracker app Zenly for $250M – $350M

Snapchat acquires a friend location tracker app Zenly for $250M – $350M

   Snapchat acquires a friend location tracker  app Zenly for $250M - $350M

S napchat’s newest feature, Snap Map, is based on its latest acquisition, social mapping startup Zenly. TechCrunch has learned that Snapchat has bought Zenly for between $250 million and $350 million in mostly cash and some stock in a deal that closed in late May. Snapchat will keep Zenly running independently, similar to how Facebook lets Instagram run independently.
Zenly’s app lets users see where their friends currently are on a map using constant GPS in the background. People can then message these friends in the app to make plans to hang out.
The Paris-based startup’s app has 4 million downloads according to Sensor Tower , with 28% from France but also sizeable numbers in Asia including 12% in South Korea and 8% in Japan. The app is mostly used by teens trying to keep up with their friends around town, at school, or at concerts and other events. Zenly had raised $35.1 million, including a $22.5 million Series B in September 2016 led by prestigious Silicon Valley venture capital firm Benchmark.
Zenly’s social map on the left looks extremely similar to Snapchat’s new Snap Map on the right… because Snap acquired Zenly
This morning, Snapchat launched its Snap Map location-sharing and location-based content discovery feature. It works slightly differently, only pulling your location when you open the app, but otherwise looks so similar to Zenly that we suspected Snapchat had copied it. Sources told us Snap expressed acquisition interest, but Zenly initially rejected them.
After more digging, we’ve learned from sources close to the deal that Snapchat did in fact acquire Zenly. A Zenly terms of service change on May 25th may be related to the deal. A Snapchat employee has also been spotted retweeting people congratulating Zenly’s founders.
Rather than shutting down Zenly and folding it into Snapchat, Snap Inc. will allow Zenly to run somewhat autonomously. We asked Snap, but it declined to comment, and Zenly hasn’t returned our inquiries. Instead, here’s TechCrunch’s
interview with Zenly CEO Antoine Martin at Disrupt London last year.
With both Snap Map and Zenly, Snap Inc. is hedging its bets in the social content space. Because its Snapchat Stories feature is being aggressively copied by Instagram and Facebook’s other apps, Snapchat is wise to expand into the social utility space of helping people meet up offline. Now Snap could own two different apps on people’s home screens.
Making plans with friends involves a high degree of intent — about what people want to eat or do — there are plenty of advertising and partnership opportunities down the line. You could imagine restaurants, movie studios and more hoping to hit Zenly or Snap Map users with ads as they plan to go out with friends.
Zenly’s app features
While $250 million to $350 million may seem like a lot to pay for Zenly, Snapchat has seen many of its other expensive acquisitions turn out well . It bought Looksery for $150 million in cash and bonuses, which went on to power its iconic augmented reality face filters. It bought Bitstrips for $64.2 million, which has flourished as Snapchat’s Bitmoji personalized avatar stickers. Story Search, QR Snapcodes and its Spectacles glasses were all based off its acquisitions of Vurb, and Vergence Labs, respectively.
Zenly doesn’t seem to fit with Snap’s mission to be a camera company. But buying an app for meeting up with friends could let Snapchat own the path to doing the things worth capturing on camera.
Snapchat acquires social map app Zenly for $250M to $350M

8 ways people waste their salary money unknowingly

This article was written to address the trend of wastage that is currently rampart in the society today. A man will receive his salary at the end of the month but before you know whats going on the whole salary will disappear . This usually happens because people tend to waste money on useless frivolities and that is what we will be discussing here.

   8 ways people waste their salary money unknowingly
Saving money in today’s economy can sometimes feel impossible. It’s weird how even when you earn an okay amount, it’s seems as though you don’t have enough at the end of the month? Taking a good look at our spending habits and recognizing how we use our money can go towards re-evaluating and cultivating a life where we only spend what’s necessary.
1. You justify buying the cheap stuff
We think we’re saving money if we opt for the cheaper options but in truth, quality lasts longer. Looking at more expensive options as an investment rather than an unnecessary expense is a better mindset to have but we seldom think like this because in the moment more expensive equals more money.
Spending money on items that last rather than cheap ones that need replacing more often will save you money in the long run.
2. You justify buying items on sale
We’re led to believe that buying stuff on sale is saving money. If you’re in a supermarket and what you intend to buy is on sale, then great. But we can get caught up thinking we’re getting a bargain when really we’d never have bought that item in the first place were it not on sale! So curb unnecessary purchases – don’t get sucked in to the sale items and justify buying them because you believe you’re saving money – you’re not.
3. Your savings account is too easy to access
It’s so easy these days to with internet banking, to have easy access to our savings. While your good intentions are slowly piling up in your savings account, if it’s easy to get to, you can sometimes delve into it if you feel you’re down on your money.
So find savings accounts that aren’t so accessible and can’t be linked to your current account. This will help you think twice about transferring that money if it’s not so easy to do.
4. You don’t wait 30 days before big purchases
This is a good trick if you’re more of an impulse buyer. Impulse buying can drain our money extremely quickly and we can be very good at justifying why we need an item. If it’s a big purchase then do this 30 day rule before going ahead with it. You’ll be surprised at how much your mind can change in this period and often you’ll realize you probably don’t need to buy it or, even better, find a cheaper alternative in the meantime.
5. Don’t write lists of what you need before shopping (and stick to It)
This is similar to the impulse buying but more so when we’re food shopping. When you’re hungry, you will buy around 20% more food than if you went on a full stomach. Being purposefully mindful before you leave the house by making strict lists of what you need, will cut down more spending than you realize. Research recipes in advance and stick to only what you’ve written down. If it’s not on the list, it doesn’t make the cut!
6. You waste time finding cheap deals
The emphasis here is on time. We spend so much of our time researching in order to find the best deals and often in these moments the best deals actually pass us by or sell out. Think of time as money too – overthinking and overanalyzing can waste you money despite thinking that you’re ultimately saving it.
7. You don’t carve out time to declutter your house
Decluttering your living space is one of the best things you can do to save money. Not only because you can sell many of your old items and actually make money, but also it transforms the space in your mind as well. Once you realize that you don’t need so many possessions to make you happy, it will shift your mindset and make you more aware of unnecessary spending in the future.
Cultivating this mindset is what will save you the most money in the long-term and help you to re-evaluate what’s important to you. So adopt the mindfulness of spending your money to create a better way of saving it.
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photo : 2017 19yr old world youngest dollar billionaire Alexandra Andresen

photo youngest dollar billionaire in the world  Alexandra
At 19 years old, Norwegian Alexandra
Andresen is the world’s youngest dollar
billionaire. Her big sister, 20-year old
Katharina, is the second youngest.
The Andersen family’s fortune comes mainly
from the tobacco brand Tiedemanns, which
was founded by Alexandra’s great-great-
great-grandfather. After the brand was sold in
2005 for nearly half a billion dollars,
Alexandras father, Johan F. Andresen,
transferred 84 percent of the equity in Ferd to
his two daughters in 2007.
The 42 percent of the family empire, puts
Alexandra’s and Katharina’s net wealth at
about $1.2 billion dollars each, according to
”I feel a great sense of responsibility. In a way,
I feel that I don’t deserve this, but at the same
time I want to help Ferd become even better. I
think it’s difficult to find a way to give
something back” says Alexandra on the
homepage of Ferd, the family’s centuries-old
investment firm.
Alexandra Andersen currently lives in Germany,
where she is a professional dressage
competitor. She has won several prestigious
medals in the sport. businessinsider
Alexandra Andresen is a Norwegian heiress,
and as of December 2016 aged 20, the world’s
youngest billionaire, although not the world’s
youngest self-made billionaire ( John Collison )
. Her net worth now is estimated to be $1.2
billion (£862 million).
She is the daughter of Johan H. Andresen jr. ,
the Norwegian industrialist and owner of Ferd
AS, a privately held investment company, who
in 2007 transferred 42.2% each to Alexandra
and her sister Katharina Andresen. Wikipedia
The rating was given by forbes .
A Norwegian Public Health Institute official
said ‘the Andresens are so rich partly
because their company was responsible for
a lot of suffering’
The world’s youngest billionaire inherited her
fortune from a tobacco firm that allowed child
labourers as young as 10 to harvest the
deadly crop in Africa, MailOnline can reveal. Dailymail .

telegraph .
Alexandra was only recently confirmed as the
world’s youngest billionaire because the
Norwegian government publishes the tax
returns of people over 17.
But despite her affluent upbringing in one of
the best-known Norwegian families, she isn’t
just any rich kid. Alexandra is already an
accomplished horse rider, winning several
massive competitions in dressage. businessinsider .
Follow her on INSTAGRAM .

photo: credit card for tracking climate change and users carbon footprints

Baltic sea card that tracks climate change and users carbon footprint
Photo credit Source: Ålandsbanken – Vimeo

The Finnish bank Ålandsbanken, based on the
autonomous archipelago region of Åland, is
launching a new credit card to combat climate
change. Though its only a small bank with
about 700 employees the bank is the first in
the world to offer a very innovative new
service, according to Veckans Affärer .
The Baltic Sea Card is made completely of
renewable raw materials, is non-toxic and
biodegradable, but that’s not its coolest trick
by far.
Users of the Baltic Sea Card will get an
environmental report in their mobile app or
internet bank account, effectively letting users
track the carbon footprint of their
consumption. The bank hopes that increased
transparency will constribute to changing
daily habits to become more sustainable in
the long run.
But the idea isn’t only to raise the awareness
of consumers, but also to let them actively
take part in changing saving the environment.
Working with WWF Finland, the card will also
facilitate compensating one’s negative impact
on the environment by making donations to
various projects in conjunction with paying
the credit card bill.
A carbon credit is a generic term for any
tradable certificate or permit representing the
right to emit one tonne of carbon dioxide or
the mass of another greenhouse gas with a
carbon dioxide equivalent (tCO 2 e) equivalent
to one tonne of carbon dioxide.
A carbon footprint is historically defined as
“the total set of greenhouse gas emissions
caused by an [individual, event, organisation,
product] expressed as CO 2 while A credit card is a payment card issued to
users (cardholders) to enable the cardholder
to pay a merchant for goods and services,
based on the cardholder’s promise to the card
issuer to pay them for the amounts so paid
plus other agreed charges. [1] The card issuer
(usually a bank) creates a revolving account
and grants a line of credit to the cardholder,
from which the cardholder can borrow money
for payment to a merchant or as a cash
advance . Wikipedia

Photos : xaomi communications produces Mi TV 4 with the tiniest display screen in the world.

  Xiaomi unveils ‘very thin’ modular Mi TV 4,
white ceramic Mi Mix smartphone, Mi Router
xaomi unveils    mi TV 4 tiniest TV set
tiniest smallest TV set in the world mi TV 4
Photo credit : Ken Yeung/VentureBeat

“Mi TV 4 is the thinnest TV yet, measuring 4.9
millimeters, practically disappearing when
viewed from at a flat angle,” claimed Hugo
Barra, Xiaomi’s vice president of international,
on stage at the Consumer Electronics Show.
The television has no frames and “barely any
bezels,” with a metal back cover and
transparent stand. It ships with Patchwall, the
Xiaomi proprietary user interface layer that’s
built on Android. The device uses artificial
intelligence to surface relevant content for
each user, gleaning insight from 44 million
movies, 1.52 million comments, and 600,000
in-depth reviews.
Barra boasted: “We put a lot of thought in
designing Patchwall. We believe it’s a
substantial improvement over any [smart] TV
This TV is the smallest in the world. Because the Mi TV 4 is a modular television,
it’s easier to customize the device to your
liking. The television is separate from the
electronics, so if you wanted better audio, you
need only purchase another sound bar, not
scrap your entire TV. Xiaomi said that only
one wire is needed to connect all the
electronics with the display. The Mi TV 4
comes with 10 integrated speakers, 2 wireless
satellite speakers, and a subwoofer. It also
supports Dolby Atmos.
Mi TV 4 comes in three sizes — 49 inches, 55
inches, and 65 inches — and goes on sale
later this year in China for “well under” $
2,000. venturebeat
Flat-panel displays are electronic viewing
technologies used to enable people to see
content (still images, moving images, text, or
other visual material) in a range of
entertainment, consumer electronics, personal
computer, and mobile devices, and many types
of medical, transportation and industrial
equipment. They are far lighter and thinner
than traditional cathode ray tube (CRT)
television sets and video displays and are
usually less than 10 centimetres (3.9 in)
thick. Flat-panel displays can be divided into
two display device categories: volatile and
static. Volatile displays require that pixels be
periodically electronically refreshed to retain
their state (e.g., Liquid-crystal displays (LCD)
). A volatile display only shows an image
when it has battery or AC mains power. Static
flat-panel displays rely on materials whose
color states are bistable (e.g., e-book reader
tablets from Sony ), and as such, flat-panel
displays retain the text or images on the
screen even when the power is off. As of 2016,
flat-panel displays have almost completely
replaced old CRT displays. In many 2010-era
applications, specifically small portable
devices such as laptops, mobile phones,
smartphones , digital cameras , camcorders ,
point-and-shoot cameras , and pocket video
cameras , any display disadvantages of
flatscreens (as compared with CRTs) are made
up for by portability advantages (thinness and
lightweightness) .
Most 2010s-era flat-panel displays use LCD
and/or LED technologies. Most LCD screens
are back-lit to make them easier to read or
view in bright environments. Flat-panel
displays are thin and lightweight and provide
better linearity and they are capable of higher
resolution than typical consumer-grade TVs
from earlier eras. The highest resolution for
consumer-grade CRT TVs was 1080i ; in
contrast, many flatscreens can display 1080p
or even 4K resolution . As of 2016, some
devices that use flatscreens, such as tablet
computers, smartphones and less, commonly,
laptops, use touchscreens , a feature that
enables users to select onscreen icons or
trigger actions (e.g., playing a digital video)
by touching the screen. Many touchscreen-
enabled devices can display a virtual QWERTY
or numeric keyboard on the screen, to enable
the user to type words or numbers.
A multifunctional monitor (MFM ) is a flat-
panel display that has additional video inputs
(more than a typical LCD monitor ) and is
designed to be used with a variety of external
video sources, such as VGA input, HDMI input
from a VHS VCR or video game console and,
in some cases, a USB input or card reader for
viewing digital photos). In many instances, an
MFM also includes a TV tuner, making it
similar to a LCD TV that offers computer
connectivity. Wikipedia
Congrats to xaomi communications for their ingenuity in producing televisions with the thinnest display screen in the world. [ mi TV 4 ] .

Chemistry, the environment and the industry

    Chemistry, the environment and the industry
Is chemistry and industry any help to our environment or is it an obstacle?

Environmental problems and concerns like climate change, water pollution and renewable energy constantly constitute the headlines of news in radio, television, newspapers, magazines and even online, everywhere. In fact the issue has come to stay as an unavoidable part of our day to day life. A lot of people consider chemistry and the chemical industry as injurious to the environment. Nevertheless, numerous innovative progresses and scientific researches in the area of chemistry are assisting us to build up additional environment friendly materials and applications, whilst safeguarding the worth and the standard of living we look forward to.

Down the years, the chemistry and chemical industry and the public at large discovered the dangerous effects of a few chemical practices and how essential it is to ensure the safety of our environment. Previously the awareness regarding the harmful effect of our advanced way of life is very minimal. What was more perceived then is the positive impact of technology and advancement of manufacturing helpful innovative materials and products.

Research conducted in the field of biological sciences and chemistry has exposed that industrial procedures in chemistry and petrochemistry could contribute in discovering solutions to environmental problems like the climate change, waste management, recycling, and energy efficiency and so on. If there was nothing like “chemistry”, it would have been very difficult to fully comprehend these environmental problems let alone providing solutions to getting the issues resolved more ways.

Nowadays, chemists and petrochemists are conducting research into discovering fresh methods that are more sustainable and environmentally friendly and at the same time preserving the advancement of our economy and our industry. Examples incorporate:

• Biofuels: Biofuels is the transportation fuel resulting from biomass. There are many product of biomass like sugar cane, rape seed, corn, straw, wood, animal and agriculture remains and waste product can be changed into fuels for transport;

• Bioplastics: This is the process through which plastic materials are produced with the help of natural sources like plants that are biodegradable and which would constitute no environmental hazard;

• Insulation: The study of chemistry had made possible improved insulating materials to facilitate higher energy-efficient homes and buildings;

• Less heavy plastic composites that have also been made possible through technological advancement help to minimize cars and airplanes propensity to consume fuel;

• Fuel cells: Fuel cells are another alternative to fossil fuels. When it is utilized as fuel in cars or motorbikes, the hydrogen fuel cells manufactures water vapour as an alternative for exhaust gases;

• New lighting technologies: Technology like Organic Light Emitting Diodes – OLEDS which produce more light with less electricity;

• Both Wind turbines and solar paneling: depend on materials manufactured by the chemical industry. The metal blades of wind turbines have to a great extent been replaced by blades that are manufactured with a fibre glass-reinforced polyester to withstand a harsh weather condition.

The Society has the tendency of considering every artificial chemical as dreadful and all that is natural as good. The mere fact that something is natural does not automatically mean that it is fine for the health or the environment or hazardous if it’s an artificially made chemical. The burning of wood for an example appears to be natural but the smoke that is given out when a wood is burnt can be detrimental the health and environment just like every other processes of burning.

five common myths about leadership

 five common myths about leadership
There are plenty of conceptions and myths that PEOPLE embrace about leaders and leadership. Here are five common ones

  1. The management myth:
    A widespread misunderstanding is that leading and managing are the same. Up until a few years ago, books that claimed to be on leadership were often about management. The main difference between the two is that leadership is about influencing people to follow, while management focuses on maintaining systems and processes. As ceo lee lacoca wryly commented “sometimes even the best manager is like the little biy with a big dog, waiting to see where the dog wants to go so that he can take him there”.
    The best way to test whether a person can lead rather than just manage is to ask him to create a positive change. Managers can maintain direction but they cant change it. To move people in a bew direction YOU need influence.

Read also : Tips For Every Woman Who Want To Advance
In Their Careers

2. The enterpreneurmyth:
Frequently, people assume that all salespeople and enterpreneurs are leaders. But thats not always the case. YOU may remember the ronco commercials that appeared on television years ago. They sold items such as the veg-o-matic, pocket fisherman, and inside the egg scrambler. These products were brain children of an enterpreneur Ron popeil. Called salesman of the century, he also appeared in numerous infomercials for products such as sprayon relief for baldness and food dehydrating devices.
Pepeil is certainly enterprising, innovative, and success, especially if you measure him by $300 million in sales his products have earned. But that doesnt make him a leader. People may be buying what he has to sell but they are not following. At best he is able to persuade people for a moment, but he holds no long term influence with them.
 five common myths about leadership
3. The knowledge myth
Sir francis bacon said “knowledge is power”. Most people, believing Power is the essence of leadership, naturally assume that those who possess knowledge and intelligence are leaders. But that isnt automatically true. YOU can visit any major university and meet brillant research scientists and philosopherswhose ability to think is so high that that its off on the charts but whose ability to lead is so low that it doesnt even regidter on the chart. IQ doesnt necesarily equate to leadership.
 five common myths about leadership
4. The pioneer myth:
Another misconception is that anyone who is out in front of the crowd is a leader but being the first isnt always the same thing as leading. For example sor Edmund hillary was the first man to reach the summit of mount Everest,. Since his historic ascent in in 1953, many have followed him in achieving that feat. But that doesnt make hillary a leader. He wasnt even the leader on that particular expedition. John Hunt was. To be a leader one has not only to be out on the front but also have people intentionally comong behind him, following his lead, and Acting on his vision.

Read also : how a good knowledge of psychology makes
your life better

5. The position myth
A common myth about leadership is that leadership is based on position but its not. Stanley huffty affirmed “its not the position that makes a leader, its the leader that makes the position
Read also : Twenty study tips for engineering and
mathematics students

Written by JOHN C MAXWELL /the 21 irrefutable laws of leadership

how to invest your money properly to avoid bankruptcy

Knowing how to make proper use of the little money that you have can be a little bit strenous especially if you dont have enough but as funny as this pic looks it is still passing a message across, spend a higher percentage of your money on things that really matter especially in the long run.
how to invest your money properly to avoid bankruptcy

Difference between quality assurance and control

Is there really any difference between quality and quality assurance? Yes there is but let us start with a definition of the two terms.
Quality assurance (QA ) is a way of preventing
mistakes or defects in manufactured products
and avoiding problems when delivering
solutions or services to customers; which ISO
9000 defines as “part of quality management
focused on providing confidence that quality
requirements will be fulfilled”. Quality control , or QC for short, is a process
by which entities review the quality of all
factors involved in production. ISO 9000
defines quality control as “A part of quality
management focused on fulfilling quality
[ also read
lessons that all students and graduates must
learn in other to survive after schooling

what you should know about your child’s

signs that show that you are an introvert ]

how to check for your bvn code using your mobile phone

Bvn stands for bank verification code , its very important and its already mandatory that every Nigerian bank account must have one. well I did mine but lost it when my mobile phone was formatted when it developed a little problem and I lost the code that I saved there . some Nigerians are in dilemma like this but if you have lost your bvn code there is no need to worry . just dial 5650# to get your code back. they will cut about #10 to #15 of your mobile airtime for the service.

Nigerian companies with the best employment opportunities for job seekers

  1. Guiness Nigeria PLC
    Guinness Nigeria is a member of Diageo which
    is a very well-known market leader in the
    production and distribution ofpremium drinks.
    Guinness offers a very exciting and stimulating
    work environment for its employees with
    opportunities for self-fulfillment and personal
    improvement.Working withGuinness Nigeria
    Plc. exposes you to global opportunities and
    an attractive remunerationand welfare
  2. First Bank Nigeria PLC
    For a company that has been operating
    successfully in Nigeria for over 100 years, First
    Bank Nigeria Plc. deserves to be on this list.
    What makes FBN an even more attractive
    company to workfor is the way they are able
    to compete with and even overtake some new
    generation banks; a feat that majority of the
    old generation banks couldn’t achieve.
    According to my findings, First Bank is one of
    the highest paying banks in Nigeria at the
  3. Total Nigeria PLC
    Total Nigeria PLC is into oil and gas – one of
    the most lucrative industries in Nigeria and
    it’s only expected that they would make it to
    this list.
    But that’s not the only reason why Total
    makes it to this list; they also offer attractive
    remuneration packages and a very conducive
    working environment for their numerous
  4. Glaxosmith Beecham Nig. PLC
    Glaxosmith Beecham PLC is into
    manufacturing and distribution of drugs and
    related items. GSK as they are popularlycalled
    has over 97,000 employees across 100
    countries and employs international standards
    in employee welfare and remuneration.
  5. Nigerian Breweries
    Our very own Nigeria Breweries makes it on
    the list too. Nigerian Breweries pays its
    workers well and treats them right too.
  6. Shell DevelopmentCompany (SPDC)
    Shell employs a very competitive recruitment
    procedure and that’s quite understandable
    considering the attractive remuneration and
    staff welfare package they offer.
  7. Nestle Nigeria
    Another great company to work for in Nigeria
    is Nestle Nigeria PLC. Nestle is one of the top
    wellness and Nutrition companies in the
    world. They offer their employees cars,
    attractive remuneration and bonuses amongst
    other things
  8. Chevron
    Chevron is not only on the list of the best
    places to work in Nigeria, it’s also one of the
    best companies to work for in the world.
    Suffice to say that Chevron offers an all-in-
    one package and is the dream employer of the
    average Nigerian in the labor market.
  9. Federal Government Civil Service
    The federal government civil service makes it
    on this list for one reason- job stability.
    You would agree with me that one of the most
    important things an employee wants from his
    job is job stability. I know of so many people
    who worked with the federal government civil
    service for 30-35 years, retired and are still
    getting paid pension till today.
    Although the pay is not in anyway enviable,
    you are not going to wake up to a sack letter
    due to some downsizing operations someday.
  10. Schlumberger
    If you want to work for a company where you
    would have fast career growthopportunities,
    attractive compensation and numerous
    benefits; then think Schlumberger..

Two important management lessons i learnt from a 500 Naira note.

Two important management lessons i learnt
a 500 Naira note.
1. It happened some time ago.
I was in an audience listening to a
Two important management lessons i learnt
from a 500 Naira note
The speaker got out his wallet & pulled out a
500 Naira note. Holding it up, he asked, “Who
wants this 500 naira note?”
Lots of hands went up. Including mine. A slow
chorus began to build as people began to
“Me!” “Me!” I began to
wonder who the lucky one would be who the
speaker would choose. And I also secretly
wondered (and I am sure others did too) why
he would simply give away 500 naira. Even as
the shouts of “I want it” grew louder, I noticed
a young woman running down the aisle. She
up onto the stage, went up to the speaker, and
grabbed the five 500 naira note from his hand.
“Well done, young lady,” said the speaker into
the microphone. The
speaker simply say “Most of us just sit and
for good things to happen. That’s of no use.
You’ve got to make things happen. Make a
‘Simply thinking about doing something is of
use and not good enough’. Our lives are like
that. We all see opportunities around us. We
want the good things. But the problem is we
don’t take action.
We all want the 500 naira notes on offer. But
we don’t make the move. We look at it
longingly. Get up, and do something about it.
Don’t worry about what other people might
2. Later, the speaker got another 500 naira
and held it up for all to see, I thought I knew
what’s up. But he just
asked a simple question. “How much is this
worth?” “Five Hundred naira!” the crowd yelled
in unison. “Right,” said the speaker. He then
took the note and
crumpled it into a ball and asked “How much
it worth now?”
“Five Hundred naira!” screamed the audience.
He then threw the note on the ground,
stamped all over it
and picked up the note and asked one more
time: “And how much is it worth now?” “Five
Hundred naira!” was the response. “I want you
to remember this,” said the speaker. “Just
because someone crumples it, or stamps on it,
the value of the note does not diminish. We
should all be like the 500 naira note..
Two important management lessons i learnt
from a 500 Naira note
In our lives, there will be times when we feel
crushed, stamped over, beaten. But never let
your self-worth
diminish. Just because someone chooses to
crush you — that doesn’t change your worth
Don’t allow your self-worth to diminish
someone says something nasty or does
something dirty to you.”
Never let your self-worth diminish.
Its the month of September and I pray for
SPEED – to overtake and recover all lost
grounds in your life.

trust me if you keep making any of this mistakes you won’t get that job that you are looking for

Do you know that a simple mistake can stop you from getting that your dream job? They include

Mistake #1: Ignoring Online Job Postings:
Ignoring job postings is a huge mistake. Some
of the best chances for jobs from ads are on
job websites and web sites of the specific
companies you wish to work for.
Mistake #2: Looking Only for Job Openings:
Searching only for companies with “openings”
is an obsolete job hunting method. The best
jobs are rarely listed “vacancies” or
“openings.” Rather, many good positions are
created for the candidate, often at the
interview. The key is to shift your focus from
“openings” to “opportunities” (which exist
nearly everywhere). Remember: every company
is hiring all the time, if you have what they
need when they need it!
Mistake #3: Ineffective Networking:
Networking should be the primary focus of
every job search – occupying about 90% of
your time. However, I find that most people go
about it the wrong way – by talking too much
and by asking for jobs. The best networkers
are big listeners rather than big talkers. They
have a clear agenda, and are not shy about
asking for feedback and guidance. Remember:
networking is more about giving than it is
about taking, so always come from an attitude
of generosity.
Mistake #4: Leaving Yourself Open to Too
Many Kinds of Jobs:
Another key to a successful job search is to
focus on finding the RIGHT job – not “just any
job.” Critical factors to consider include
satisfaction, growth potential, location,
cultural fit, great co-workers, a pleasing
environment and competitive compensation.
When the job market is really tough, it’s
imperative to be more focused than ever.
Mistake #5: Being Unplanned in Your Search:
Most people spend more time planning a
vacation than planning a job search. I suggest
the following tips to conduct a proper job
search: a well-thought out methodology, daily
solitude and planning, space in the home
dedicated to the search, a tracking tool to
measure your progress, and a system for
Mistake #6: Doing it Alone:
You pay a mechanic to change your oil; an
attorney to create an estate plan. Why would
you not invest in professional help with your
job search? Career Coaches provide objective
guidance, help you articulate your value, and
provide a proven system for job search
success. Many offer excellent advice on salary
negotiations – often exceeding the job
seeker’s expectations. If you can’t afford a
Career Coach, take advantage of low-cost or
free support from non-profit groups,
universities, municipal programs, and so forth.
Mistake #7: Letting Others Control Your Job
I suggest working with a small selection of
professional recruiters – they can serve an
important role in your search. But you’ll need
to maintain control over the whole process. Of
course, it is best to conduct your own
research and target the right companies
yourself. Remember: only you can “sell
yourself” effectively and land a job.
Mistake #8: Not Preparing Well Enough for
Job Interviews:
When you boil it down, all job interviews are
comprised of five basic elements: articulating
your value, conveying your knowledge of the
company, asking intelligent questions,
negotiating compensation, and following-
through. Each of these items has to be
practiced in advance, so you can “ace” the job
interview. “Winging it” just won’t do! Also, be
sure to do extensive research on the company
and the interviewer ahead of time.
Mistake #9: Not Knowing Your Market Value:
You must research and assess your value in
the marketplace, so you’ll be able to negotiate
effectively. Never disclose your salary
requirements – always get the employer to
name the salary or range first. The time to talk
money is when the employer has made it clear
that you are their top candidate, and after
they make an offer.
It is very easy for even the savviest of job
seekers to make these mistakes. By learning
how to navigate these potential pitfalls from
the outset, your job search will be more
productive and yield more positive results!
Mistake #10:
Read Mistakes 1-9 again.

relationship advice

Work and Home Do Not Mingle.
How many times have you heard this? It is true. While sharing experiences about your day with your mate is perfectly normal, living your work at home is not. If you have to bring work home, set a specific amount of time it will take you to complete, let your mate know, and then when quitting time comes, quit! It is important to separate the two parts of your life and keep you work at the job, and when at home, pay attention to your mate and/or family.
Women are usually blessed with the gift of gab, making it easy, sometimes too easy, to talk to other people. Keep information shared to you by your mate in 100% confidence. Unless they have told you of a crime they have committed, they are confiding in you and placing full trust in your relationship. All it takes is one time of spilling private information for the entire relationship to suffer.
As you can see, relationships take work. However, with the right attitude, a lot of hard work, and some unique ideas on how to make it
successful, couples can have a strong, lifelong relationship!
Encourage Friendships.
Men, unlike women, have a more difficult time in developing close friendships with other men. This is a natural part of life and while they may have some buddies from high school or college that they see on occasion, rarely do they set specific time aside just for friends. Men and women both need an outlet outside of the relationship where they can just let their guard down and have some fun with the same gender. As your mate makes new friendships, encourage that growth and show 100% support!
Learn to be Successful.
Many couples are starting to go to counseling or relationship/marriage classes much earlier in their relationship rather than waiting until after the marriage is in trouble. This is a great option for learning how to have a healthy, lasting relationship and develop open communication.
Statistics show that couples that spend time in church together usually have strong relationships. Bringing spirituality into your relationship is important. Allow the love of God to be your ultimate guide and spend time having devotions together at night. If you are just starting out dating, religious preference may not seem like a big deal at first, but soon into the relationship, it can be a big trouble spot. Make time for God in your life and consider dating someone who shares the same faith!
Cut out the Excuses.
A major turn-off in many situations, not only relationships, is people who have an excuse for everything. Forget that. Do not make excuses in fear of your mate not liking, loving, or respecting you. Be yourself and if you messed up with something, just admit to it. Say you had promised to make dinner, got home exhausted, and just did not feel like making it, do not tell your mate, I had to work overtime. Be honest and say, You know, I got home after a busy day and I was too tired. What sounds better, Chinese or Pizza? This has taken you out of the situation of lying and reconfirmed your honest nature to your mate.
Start a Journal.
Keep your personal feelings and discoveries about your mate in a journal. This will help to remember what special things he or she likes or dislikes, track the wonderful times spent together, and help you to feel better when you hit an obstacle in your relationship. When things get a little tough, refer to your journal and read through all the terrific emotions and time together and you will find plenty of reasons to make things right again.
The Grass is NOT Greener!
Too many times, people get tired of working on the relationship they are currently in and feel that by moving on to another person, they will find greener pastures. This is just not the case. What happens is when you move to another person, things are fresh, new, and exciting just as they were in the beginning of your current relationship. Within time, that relationship will also start experiencing differences and bumps in the road. Unless you are being abused or your mate is doing something illegal or completely irresponsible, perhaps the efforts you would put into starting a new relationship would be better spent fixing the one you have.

see how you can manage your money to avoid running into debt

you will agree with me that making money is not easy but for most people being able to make good or judicious use of the little or much that they earn is a tougher herculean task! but don’t worry I’m here to advice you;

  1. Make a budget and stick to it.
    Immediately you get notification of payment of your salary, take a few
    minutes to reflect deeply and write an explicit budget. Write down all
    expenses, essential and trivial, that you propose to make for that
    month. Don’t leave excess cash as miscellaneous, even if it is for
    recreation or outings, always try to tie something to your cash.
  2. Reverse your thinking; Pay yourself first
    Get this. After you get paid for performing various duties and
    responsibilities at work, you pay everybody else but yourself. Isn’t
    that just wrong? Your mechanic, food vendor and many other
    individuals get a slice of the cake while you get only the icing. Take
    out a certain percentage monthly (say 15%) and stash it in an
    account that you don’t access regularly. This will can become the
    spine for future investments or just extra cash for exigencies.
  3. Reduce your expenses
    There are some unnecessary activities that you spend excessively on
    monthly. It is quite important to cut these short while also making
    the best of expedient purchases. This will include you trying to make
    the best bargains from your groceries, internet payment and other
    expenses. Do your research, ask friends where they shop and compare
    prices. You will be surprised at the great bargains you are currently
    missing out on.
  4. Have a project or reason tied to your saving
    When you save, have a particular project that you are saving towards.
    It might be investing in stocks, buying a car, getting a better
    apartment, starting a professional course or seed money for a small
    business. It’s your money so it’s your choice.
    If you do not have a goal to your saving, there is huge tendency you
    will spend the lot on petty activities that you might later regret.

common mistakes that job seekers make and how to correct it

there are lots of mistakes that you make that can prevent you from getting that your dream job so this is what you need to know.
here is the solution to
the common mistakes employees make during
1. Write A Little Description in the body of the
email: Always Add A brief description about
yourself in the body of the email. I don’t mean
writing about where you came from or your
hobbies, write a little about your
qualifications and skills. This gives you a high
chance as it gives the recruiter a reason to
want to open your CV.
2. Well Arranged CV: Before anyone reads the
content of your email, the first thing that
attracts them the quality of the design of your
CV, make sure your CV is well formatted with
good fonts and make sure it looks good, i
don’t mean designing your CV or adding
3. High Quality CV: Write good and simple
English, avoid writing stories, write short and
straight to the point, make your CV very
interesting and attractive that would make the
recruiter want to shortlist you
4. Reply Interview Emails: Whenever you get
an email from a company about an interview
or test, always reply their emails confirming
the appointment for the interview or test. I
noticed most applicants don’t do that. This
makes the interviewer somehow know you.
5. Avoid Too Much talk and Be prepared:
During the test or Interview avoid too chit
chats with other applicants, always be
prepared, bring your biro, pencils, calculators,
paper etc. I noticed some people come for test
without biros or pencils etc
6. Reschedule if need be: If for any reason you
can’t make it to the interview, Don’t be scared
to ask them to reschedule instead of sending
emails after the interview has been conducted
if you cant make it down on the interview
7. Thank You Message: Once you have been
shortlisted, don’t hesitate to send a thank you
message, But please make it very formal.
Guess what? It has a way of making the
Interviewer remember your name, you will be
surprised how this will go a long way in
making the person want you. I still remember
the names of the 2 people that sent us a
thank you message.
8. Never Miss a call: During the interview, one
aspect of the interview was to do a phone call
interview before inviting users for the face to
face interview, During the process, Some
applicants phones were switched off while
some missed our calls, and the funny thing is
70% of them never called back, and because
we had so many people, we didn’t call them
back, when you are applying for a job, your
phone must be available 24/7
9. Watch your caller tone: while calling I
noticed so many funny and annoying caller
tunes, Its so funny how those caller tunes
already gave me a very bad impression of the
10. Dress Well: Please please please, even if
you need to borrow, never wear a rough , dirty
or tar-tared cloth to an interview. believe me
even if you are good no one is going to
employ you
11.Bad Body language: Sit straight, focus,
make a good eye contact, but don’t make it
look daring, I cant believe most people cant
sit well on a chair, their body languages was
just totally off.
12. Color of cloth: Please when you are going
for an interview there are some colours you
should just avoid, how can you wear a black ,
red or pink shirt to an interview. Its not as if
these colours are bad but people put
meanings to colours, its safer to wear
something everyone is comfortable with like
Blue, white, or any strip shirts beware of lousy
colours. During the interview, a guy wasn’t
picked because he wore a pink shirt. One of
the interviewer who is very sensitive to pink
says the dude might be gay, so funny
13. Some people talk badly: Most people don’t
even know they talk badly, you need to watch
the way you talk, Do a video of yourself talking
and you will understand what i mean, some
people are fond of using some particular
words or ehmm ehmmmmm , yea huh, etc Ask
people around you and also be conscious of
how you speak.
14. Listen and don’t Interrupt: Never in any
way interrupt while the interviewer is speaking,
if you must object while the person is talking,
either you raise your hand or wait for the
person to finish talking but interfering while
the person is talking makes you look rude.
15. Don’t Lie: One thing i have noticed during
interviews is people always lie, never lie except
you can actually back up your lies very well.
EG dont tell me you have computer experience
when you cannot even type on a computer,
16. Avoid too Much Sir: One annoying thing i
noticed during the interview is the desperate
ways Nigerian graduates use “Sir”. Good
morning Sir, Thank Sir, What did you say sir, I
didn’t hear you sir, can you rephrase sir, i
didn’t bring it sir, I attended Babcock sir. If
possible prevent using sir, or if you must use
it, you shouldn’t use it , it should be limited,
Over using it makes you look desperate and
17. Research well About the Company Before
Negotiation: How can you be applying to a
company and you know nothing about them,
make sure you research well about the
company and their salary range, When asked
how much you want to be paid, make sure you
have researched a little about the company or
just go for an amount you feel comfortable
with. Don’t under charge because you are
desperate and also don’t overcharge because
you are expecting a miracle, How can a
graduate without skills/experience be
demanding for Two Hundred and Fifty
Thousand Naira (N250,000) in an investment
18. Smell Good: I understand we all get
sweaty and sometimes smelly, but getting
smelly in an interview room is a NO NO,
please use a roll on or perfume, You don’t
want to be smelling, if you have a mouth
odour, chew gum to give you a good breath
before entering the interview room.
19. Make sure your certificates are Clean:
Make sure your certificates are properly kept,
why would you employ someone with a torn
certificate ?
20. Dont be late: For any reason never be late
to an interview. No one would like to employ a
late comer.


In today’s business environment, confidence is a key attribute for success. However, , being humble is not about lacking assertiveness but about having the intellectual honesty to admit what you don’t know,
1.Think twice before acting. Never make an executive decision that you are not really empowered to, or that is not backed up with sufficient knowledge, just to impress your boss. If you really want to make an impression on your superiors, or if you are a leader and want to impress your team, do your homework first. A bad decision made in the heat of eagerness will hurt your credibility in the long run.
2.Ask plenty of questions.Obviously, not every question belongs on your boss’ desk and sometimes it’s better to ask your peers or even your juniors first. While we all want to avoid exposing our weaknesses to our colleagues, the reverse also holds true. Your colleagues will respect you for having the guts to admit your lack of knowledge about something. No one is omniscient so don’t waste time trying to…

Information communication technology: advantages and disadvantages

ICT encompasses phone and mobile technology as well as computers.
Information and communication technology is a vast field encompassing virtually all technologies that can store, receive or transmit signals electronically. With electronic devices so tightly wound into the fabric of modern society, the advantages and disadvantages of ICT use may not be immediately apparent. Taking a fresh look at these pros and cons helps to give perspective on the ways ICT affects you and your business.
New Communication Methods
ICT has opened up a wide range of new communication methods, allowing you to contact others for less money and over greater distances than ever before. Technologies such as texting, instant messaging and video conferencing allow users to communicate instantaneously with people across the world for a nominal fee, a concept which may have seemed ludicrous before the advent of computers. In addition, text-based computer communication can give those with speech or social problems a level playing field to communicate with their peers.
New Industries
As well as providing a boost to existing industries such as manufacturing and shipping, heavy adoption of ICT has spawned new industries all of its own. Programmers, systems analysts and Web designers all owe their jobs to ICT, as do the people involved in secondary industries such as technology training and recruitment. However, the increased efficiency and automation brought about by ICT can also cause job losses, especially in manual roles and the manufacturing sector

Tips that will help you succede as a blogger

Are you planning to create a blog soon? Do you manage a blog currently? Here are some basic tips on how to make a good blog.
1. Inspiring Blog Design
Your blog layout and colour combinations are the first things visitors notice when they land on your blog. And you as it is often said, ‘the first impression matters’. You shouldn’t drive away visitors that you have laboured to acquired through a shabby blog template or shouting colours. When customizing your blog design, remember it’s about the visitors not you. If you don’t have what it takes to edit your blog design, go online and search for beautifully styled blog themes which can be paid or hire a professional designer. You should try to avoid designs that would hamper your site SEO.
2. The Right Niche
It is good to have width but better to have depth. Over the years, blogger have realised that blogs with a defined theme and focus often do better than the general ‘all purpose’ ones. This is because Google gives more credibilty to them because they appear as authority blogs in their chosen niches.
However, not all niches are profitable. You should try to blend your passion with profitability while searching for a topic of discussion for your blog. Picking a topic you have scanty knowledge about many result in frustration that make many new bloggers quit as early as they start.
3. Regular Quality Content
The quality of the articles on your blog is its true value. Content and design are the main criteria used in judging whether a blog is good or bad. You should take your time to come up with useful articles so that visitors will find it necessary to subscribe to your future updates. Copying and publishing articles that people can get elsewhere won’t take your blog anywhere. Aside quality, you should endeavour to publish regularly. If you can keep up rolling out quality posts regularly, your blog would soon hit the limelight.
4. Build Readers’ Loyalty
To make your blog successful your writing style should connect with the audience. To achieve this, make sure your posts is directed at solving visitors problems. Study how established bloggers with lots of comments on their blog write. The way you conclude your posts should encourage readers to drop comments too. Creating a relationship with your audience is the surest way to build fans’ loyalty so that can find it interesting to return to your blog over and over again. Set up social media profiles for your blog on Twitter, Facebook, Pinterest, LinkedIn and Google+. This has an additional benefit of increasing blog traffic.
5. Stand Out
Dare to be different. To stand out from the millions of blogs out there, there should something unique about your blog. Most successful blogs are known for one thing or the other. For some, it may be the blog design, while others may stand out with their content. You should think up ways to make your blog different. Ask yourself, what will people say is specific to my blog?
Success in blogging takes time, months and even years. The main point is to enjoy what you do so that you don’t get easily frustrated out.
If you want to make your blog stand out from the crowd and get that traffic you have always desired, ensure you have all these points in place.
I wish you success in your blogging career!
http://www.practicalbusinessi makes-good-blog- 5-things-you-must.html

Can you do what aliko dangote did to become wealthy?

  1. He once worked for someone
    Dangote worked for his uncle, Sani Dangote. He served his master diligently. He acted in accordance to the statement which says if you must lead, you must serve. It was while working for his uncle that he gathered experience, skills and confidence.
  2. He took a loan to start his business
    Aliko Dangote started his business with the NGN 500,000 loan he took from his uncle/master. He approached his uncle in 1977 and told him about his plan to establish a business outfit and his uncle gave him the loan to start the business. However, he was given a three-month-deadline and he repaid the loan in three months.
  3. He kicked off his business by trading in commodities
    Sugar, rice, pasta, salt, cotton, millet, cocoa, textile and vegetable oil were the commodities he started his business with. He was importing these commodities into Nigeria.
  4. He developed a strong distribution network
    Since production is not complete until the goods reach the final consumer, Dangote developed a strong distribution channel that made his goods delivered faster than his competitors’ goods.
  5. He leaped from importation to manufacturing
    After some years in his importation business, Aliko Dangote transformed into a producer of products he was importing. In one of his statements, he revealed that changing from an importer to a manufacturer has so far been his best move. The move produced Dangote Group, an organization that controls over 13 companies.
  6. He built a brand
    Dangote built a vibrant brand for his business. He corroborated this during an interview by saying “to succeed in business, you must build a brand and never destroy it. One competitive advantage I had when I ventured into manufacturing was my brand (Dangote), which I diligently built in the course of my trading.”
  7. He sells cheap quality products
    In his mission to gain the loyalty of his customers, Dangote started selling his competitive products at cheaper rates compared to his competitors’ rates.
  8. He had a big breakthrough
    Dangote’s networking skills and ability to make unprecedented connections made him record the major breakthrough he needed for the prosperity of his business. His break through emerged when he acquired the license to import cement.
  9. He works pretty hard
    As an astute businessman, Alhaji Aliko Dangote spends most of his time strategizing and brainstorming on how to grow his business. Reports have it that he sleeps by 2:00 am and wakes up by 5:00 am everyday. Can you beat that?
  10. He obeys the laws of the land
    Unlike other cunning businessmen, Dangote is an upright man as far as abiding by the rules and regulations governing the ethics of business are concerned. He keeps his credit records as well as his tax records tidy and he preaches that business should be done as stipulated by the regulatory bodies. /426890-wealth- secrets-of-aliko- dangote.html

never say this during a job interview

. I’m really nervous. There’s
nothing wrong with feeling
nervous. It’s natural to be a
little uneasy at an important
interview. Don’t tell the
interviewer if you have
butterflies in your stomach,
though. Your job in the
interview is to portray a
confident and professional
demeanor. You won’t win any
points by admitting your
nerves or blaming them for any
failures in your performance.
2. I don’t really know much
about the job; I thought you’d
tell me all about it. This is a
big job seeker mistake, and it
can cost you the opportunity.
Employers spend a lot of time
interviewing, and they expect
candidates to have researched
the jobs enough to be able to
explain why they want the
positions. Otherwise, you
could be wasting everyone’s
time by interviewing for a job
you may not even really want.
Asking questions is important,
but don’t ask anything you
should know from the job
description or from reading
about the company online.
3. My last boss/colleague/
client was a real jerk. It’s
possible (even likely) that your
interviewer could prod you into
telling tales about your
previous or current supervisor
or work environment. Resist
the urge to badmouth anyone,
even if you have a bad boss. It
is unprofessional and the
employer will worry what you
may say to someone about
him or her down the road.
Instead, think about ways to
describe past work
environments in terms of what
you learned or
accomplishments you’re proud
to discuss.
4. My biggest weakness is
(something directly related to
the job) . “What’s your
weakness?” is one of the most
dreaded interview questions.
There’s no perfect reply, but
there is a reply you should
never say: Never admit to a
weakness that will affect your
ability to get the job done. If
the job description requires a
lot of creativity, and you say
your creativity has waned
lately, assume that you’ve
taken yourself out of the
running. Choose a weakness
not related to the position and
explain how you’re working to
improve it.
5. @#$%! Granted, profanity
seems to be much more
accepted in many workplaces
today. However, an interview
is not the time to demonstrate
that you can talk like a pirate.
6. Just a minute; I really need
to get this call. It’s amazing
how many hiring managers
and recruiters report that
interviewees answer their
phones and respond to text
messages during in-person
interviews. Turn off your phone
during interviews and you will
not be tempted to reach to
answer it.
7. How much vacation time
would I get? Never, ever ask
questions in an interview that
may make it appear that you’ll
be overly focused on anything
other than work.
8. Can I work from home?
Even if you’re pretty sure the
company has a lenient work-
from-home policy, the
interview isn’t the best time to
ask about it.
9. Family is the most
important thing to me. [/b]This
is true for many people.
However, you do not need to
explain how devoted you are to
your family during your job
interview. It is unlikely to win
favor, even in organizations
with a well-known family-
friendly environment. You
want your potential employer
to envision you being totally
devoted to his or her needs.
When in doubt, pause before
you say what’s on your mind.
If you wonder if it’s okay to
ask, assume it’s better to avoid
the topic altogether.

why you should start your own business at a young age

There are so many reasons why being
under 25 is a huge advantage when
entering the world of business. In fact,
benefits are so great everybody in the
bracket should give it a go. Here’s
Image from gettyimages
Financial outgoings
Being under 25 is the time in your life
you are statistically most likely to
have the
least amount of financial outgoings
month. Think about it, no mortgage,
consistently large bills and no
These things aren’t going to apply to
person under the age of 25, of course
but it will to the majority. Not having
hefty financial outgoings is brilliant
starting a business as it gives you
The lack of financial pressure will also
enable you to focus everything into
idea. Financial pressures, such as
paying a
mortgage, often put people off starting
business, even if they believe their
could be a successful or profitable
These people fall into the trap of
having to
work in order to pay a mortgage, and
real passion will go unfulfilled. Don’t
a slave to your mortgage.
The pressure of getting a ‘real job’
25 to 30 years of age seems to be the
when our parents and family want us
start doing grown up stuff; like getting
mortgage, settling down with a
thinking about marriage and having
children. It’s beyond 25 when
“working on
my idea” doesn’t cut the mustard
being asked “so what are you doing
work?” by your uncle who you see
once a
Image from gettyimages
Family pressure is huge and deters so
people from becoming an
entrepreneur, if
you have a supportive family then it
life so much easier. If you don’t, find
entrepreneurial friends that can be the
support mechanism for you.
“Working in a start-up will make you
value your time so much more”
Image from gettyimages
Valuing your time
This, for me, is the most important
Learn to value and appreciate your
before it’s too late. When we enter a
nine to
five job our employer tells us how
much our
time is worth and therefore, ultimately,
much that portion of our life is worth.
you think about the fact that we only
third of our life – as two thirds are
working and sleeping – then the need
value time becomes even more
Working in a start-up, or having a go
starting a business, will make you
appreciate and value your time so
more. It will switch on the light bulb in
head which makes you more
about your decision making when it
to deciding what you are prepared to
your time into, and more importantly,
you get in return for your time and that
portion of your life.
You are time rich
The majority of under 25s are either in
further education or working in a
low-level role. I know, I’m
massively here, but this will apply to
Whatthis gives those people is, more
than not, time. How we use that time
where we choose to invest it will be
to our future.
Image from gettyimages
Outside of studying and working a
nine to
five job we have a large amount of
time to
dedicate to something, and in my
that something should be a start-up.
time you can put into that seed of an
means it could grow into something
and if it doesn’t, that time would have
passed anyway. If nothing else, you
will have
developed some new skills that can be
elsewhere to further your career.
Image from gettyimages
Being under 25 is the time in our lives
we meet so many different types of
If you study at University or college,
about how many skills there are on
campus. Tapping into those skills can
crucial for life beyond 25. Don’t stay
in your
circle of friends who study the same
as you, go and meet people from other
fields and develop relationships with
who have opposite and
complimentary skills
to you as they could be a great value
to you
and your future.
If you can’t start, then join
Not everybody will want to start a
and that’s fine. For those who don’t
want to
start a business, I would recommend
join a start-up, whether that be as an
co-founder or part of the first group of
Working in a start-up will give you
to situations and develop key skills
working in a corporate or larger
organisation won’t give you. The
energy and
speed at which things happen, along
the excitement of a start-up, can’t be
replicated anywhere else and it’s
everybody should experience.
If it doesn’t work out, you have the
rest of
your life to do all the ‘grown up stuff’
society tells us that we should do.
25, you don’t have to live your life by
society thinks we should do or have.
are many stories of very successful
companies being started by people
over the
age of 25. However the one thing all
people have in common is that while
the age of 25 they had a part-time
businesses, or entrepreneurial
that stuck with them through their
time in
employment, until their own great
idea hit
them. Iam on it working to get there i
see victory and sucess at end of the
road end.

9 misconceptions about money

10 Lies About Money.

  1. Money is not important.
    This is a big lie. If anyone says that money isn’t
    important then why is he/she working or looking for a
  2. Money is evil.
    FYI money isn’t evil, it is the love of money that is evil.
  3. Money never hurts anybody.
    Money hurts people. Most people are hurt indirectly by
  4. More money will solve your problems and guarantee
    More money might solve your problems but it can’t
    guarantee happiness instead it brings more problems.
  5. Some are destined to be wealthy some not.
    Where is it written that you are supposed to be poor?
    Everybody is destined for riches.
  6. God doesn’t want you to be financially prosperous.
    God wants us all to be prosperous. He loves us all and
    wants the very best for us.
  7. There is nothing you can do about your financial
    That’s another excuse for people to be lazy. If you are
    hardworking your financial situation will change for
  8. Money is unspiritual.
    Anyone who says so should check his bible well. God
    promised us riches which implies wealth.
  9. It is selfish and wrong to give and expect more in
    Remember the saying that givers never lack. You help
    people so that others might help you.

ladi kwali mysterious female potter on 20 naira note demystified

The first time i saw her on a twenty naira note i thought she was irrelevant perphaps a work of art but now i know better.
Nigeria’s best known potter who was awarded a Doctorate and was made MBE in 1963 for the level of detail and skill she utilized while making her pots.
Ladi Dosei Kwali (1925-1983) popularly known as Dr Ladi Kwali was born in 1925 in Kwali town in the present Federal Capital Territory, Abuja,Nigeria.
Probably she is the best known of the Abuja potters. Making pots was women’s work in Kwali and the entire Gwari villages, therefore Ladi came to Abuja (the then Suleja) with knowledge of traditional Gwari pottery.
She did not at first take to the idea of using wheels and kilns and the other paraphernalia of the European potter, but proved to have a natural ability to throw. She was picked from her traditional home Kwali to the then Abuja the present Suleja because of her natural ability in making pots.
The Abuja Pottery Training Centre was established 1950 by an English potter, Michael Cardew, who was sent to the Abuja area by the then colonial government, ostensibly to improve the quality of local work. But he found himself, for the next 15 years, in a symbiotic working relationship with local potters, in which he taught and was taught by potters like Ladi Kwali.
While Cardew introduced wheels and kilns to the centre, he also learnt about traditional firing methods and ornamentation. Kwali on the other hand, was initially reluctant to adapt to the wheel, preferring the spiralled coil method of building pots. She however, discovered she had a natural flair for the wheel. Cardew encouraged her to decorate her work, something she had not done before, and he even fired some of her traditional work in the Abuja kiln.
Ladi was later to become a very popular member of the touring lecture team; her easy nature and ability to communicate made her well liked and appreciated in Europe, Britain and America. She became Nigeria’s best known potter and has been honoured in many ways; she was given a doctorate.
Kwali with Cardew
By the time she died in 1983, Dr Ladi Kwali was Nigeria’s best known potter. She left a rich legacy of her work and a school of ‘students’ who picked up from where she left at the Abuja Pottery Training Centre. Over the next decade, her ornamentation skills
became more sophisticated, and probably because of improved firing methods, she had the opportunity to
exhibit her work in Europe in 1958, 1959 and 1962.
Her pottery was also displayed during Nigeria’s independence celebrations in 1960. Dr Ladi Kwali remained associated with the Abuja pottery works till she died. She gave lectures and demonstrations at home and abroad on her craft throughout her career.

Advantages $ disadvantages of cashless policy in the society

cashless policy has lots of advantages and disadvantages, but let’s us start by giving an insight into what we are talking about . what the hell is cashless policy???

The introduction of electronic banking,
online transactions and mobile banking in
Nigeria has paved way for a new era of
development where the use and demand for
physical cash is gradually declining. These
recent evolution of technology in the
Nigerian financial institutions posses
interesting questions for economist,
financial institutions, business analyst and
the government regarding the current
economical status, logistics, and
availability of instruments to guarantee
economic growth and stability, efficiency
and effectiveness of the cashless policy.
Since the inception of humanity, various
payment methods have been used to
purchase goods and services starting with
the trade by barter. The trade by barter
method of transaction has been the
foundation for the introduction of money
and coins to solve the problem of double
coincidence of wants and divisibility faced
by trade by barter. The use of money/coins
was introduced after the use of trade by
barter method, and it has solved various
challenges associated with trade by barter,
but the use of money as an exchange
medium has its own challenges and dis-
advantages and can still be replaced with a
better payment system-the cashless policy/
Various advantages enjoyed by more
developed nations such as the US has
prompted the Central Bank of Nigeria (CBN)
to adopt the cashless policy.
1. Electronic payments will help businesspeople grow their customer base and resource pool, far beyond the limitations of their immediate geographic area.

  1. Using a payment card gives convenience and security than making cash withdrawal and moving to where to make purchase.

  2. It will drive the development and modernisation of the payment system, promote transparency and accountability, reduce transaction costs and decrease the size of the gray or informal economy.

  3. It will reduce pickpocketing and highway robbery which is very rampant in some countries.

  4. It will help users control reckless spending and improve personal accountability.
    [ also read see how you can manage your money to avoid
    running into debt

Patience is a virtue

The Annoying People You Meet At The Bank

Cut your coat according to your pocket ]

  1. If you lose it may take a long while to procure another.

  2. Someone can steal your card buy stuff. (only if they know the PIN).

  3. Cash is not under your control.

  4. Impractical if you move to another country

  5. Cards get expired and then you have to buy new one which takes long time.

  6. You may FORGET PIN.

  7. Without cash there would be no instant payments for goods and services

  8. Disadvantages of a cashless society consist of privacy issues and computer hackers.

  9. BANKS WILL BE VERY POWERFULL’s Very easy to lose the card

  1. There will be high interest rates

Oh my God! Have you ever wondered why the ceo of facebook keeps wearing the same shirt every day even though he is wealthy?

Oh my God! Have you ever WONDERED why the CEO of FACEBOOK keeps wearing the SAME shirt every day even though he is WEALTHY?
Well here is the answer.
During a public question and answer segment at the Facebook headquarters few days ago, Mark Zuckerberg, Facebook founder has revealed why he wears the same shirt every day. The tech guru who wears the same brand of shirt to work, adorns same to any function irrespective of how important the event might be.
“I really want to clear my life so that I have to make as few decisions as possible about anything except how to best serve this community. I’m in this really lucky position where I get to wake up every day and help serve more than 1bn people, and I feel like I’m not doing my job if I spend any of my energy on things that are silly or frivolous about my life, so that way I can dedicate all of my energy towards just building the best products and services,” he said.

Advantages of setting short term goals

Advantages of setting short term goals
Short-term goals are often neglected and underestimated. While people are focused on achieving their big goals, they forget that great achievements are composed of hundreds of small achievements. Big failures are composed of numerous smaller failures as well. That’s why setting short-term goals is crucial for your career and life. Professional path, relationship, finance issues and nearly every sphere of your life requires wise planning. I’ve noticed that setting clear and smart short-term goals simplified and structured my life. That’s why I’ve come up with 7 essential benefits of setting short-term goals.
1. Rapid attainments
That’s what people love most of all, quick results. Short-term goals are usually easier and simpler to achieve, thus they don’t imply enduring commitment. Short-term goals require less efforts, time and energy and give you immediate feedback. Moreover, your small wins are a great occasion to praise yourself and celebrate. Whenever I can cross the point off my to-do list, I feel immense thrill and satisfaction. I love when my actions match the plan and when I can control the situation. I also feel more confident when I get everything done on time.
2. Motivation booster
It’s known that people are eager to tackle easier tasks. The difficult long-term projects can cause frustration, hopelessness and desire to give up at once. But when you break it down into small parts, chances are you will stay highly motivated and enthusiastic. Short-term goals usually imply time limits and certain urgency. When I feel that a particular task should be done quickly, it increases my efficacy and pace. Short-term goals are more specific in comparison with abstract and general big goals.
3. Short-term goals indicate the direction
I always knew what I wanted from life, but I was at a loss when it came to actions. It’s great if you compile a list of things you want to accomplish till the end of the year. But it’s also necessary to define the stages you should go through each month or week. For example, I am trying to finish my work till 7 p.m. daily, but this is quite an abstract task. That’s why I started defining how much work I need to do hourly. This way I will never veer off course or lose my productivity.
4. Short-term goals serve as building blocks of a great dream
The amazing thing about short-term goals is that they appear as components of a big dream. Regardless of your dream, you should always make a step-by-step plan to achieve that dream. If you want to get slimmer till the end of the year, your desire is insufficient. You should create a detailed plan, which includes reducing calorie intake per day, regular workouts and losing a certain amounts of pounds each week. Having short-term goals multiplies your chance of success.
5. Short-term goals bring peace of mind and clarity of thoughts
When I have to accomplish a huge and important project, I often don’t know where to start. It results in constant switching from one task to another, slippage on my job and overall project, and lots of anxiety. When I set a few short-term goals, I get rid of all the unnecessary stuff and see clearly what I need to do. When everything is done on time, I can relax and live peacefully my life. Visualization boards, diagrams and logical schemes are also an important part of setting short-term goals. They clarify the task and prepare me to face the following stage on my way to an ultimate goal.
6. Optimal use of energy and time
When you start doing your tasks randomly, chances are you’ll fail to manage your time and energy resources wisely. But when you have a clear-cut plan, tailored to your needs, you will have higher chances to set right priorities and avoid distractions. I developed a habit of setting goals daily. They include nearly everything: job, housing, purchases, meetings and appointments, beauty routine and other stuff. Having a clear timeline really helps me to be more productive and use my time more reasonably.
7. They give a sense of purpose
It’s difficult to live without a sense of purpose. Sure, small goals cannot define your ultimate goal, but they are a great way to get inspired and work hard each day. Small goals will keep you determined to move forward no matter what. Just like Laurence J. Peter said, ‘If you don’t know where you’re going, then you’ll end up somewhere else’.
Don’t sit back waiting for your dreams and goals to come true by a miracle. You should create a good plan and start taking actions. Setting goals can take much time, but you might waste more time on things that don’t correspond to your ultimate goal. So, grab a pen and notebook and start setting your short-term goals right now.

Make judicious use of your time


Imagine there is a bank account that credits your account each morning with $86,400. It carries over no balance from day to day.
Every evening the bank deletes whatever part of the balance you failed to use during the day. What would you do? Draw out every cent,of course?
Each of us has such a bank. It’s name is TIME. Every morning, it credits you with 86,400 seconds. Every night it writes off as lost, whatever of this you have failed to invest to a good purpose.
It carries over no balance. It allows no over draft. Each day it opens a new account for you. Each night it burns the remains of the day.
If you fail to use the day’s deposits, the loss is yours. There is no drawing against “tomorrow.”
You must live in the present on today’s deposits. Invest it so as to get from it the utmost in health, happiness and success!
The clock is running! Make the most of today.

More precious than diamonds

More precious than diamonds…

The young lady arrived at his home
wearing clothes that were quite
revealing her private parts. Here is
the story as told
by one of his daughters:
We exchanged many hugs and kisses
we could possibly give in one day.
My father took a good look at us.
Then he sat me down on his lap
and said something that I will never
forget. He looked me straight in the
eyes and said, “Hana, everything
that God made valuable in the world
is covered and hard to get to. Where
do you find diamonds? Deep down
in the ground, covered and
protected. Where do you find
pearls? Deep down at the bottom of
the ocean, covered up and protected
in a beautiful shell. Where do you
find gold? Way down in the mine,
covered over with layers and layers
of rock. You’ve got to work hard to
get to them.”
He looked at me with serious eyes.
“Your body is sacred. You’re far
more precious than diamonds and
pearls, and you should be covered
So I add that, if you keep your
treasured mineral deeply covered
up, reputable mining organizations
with the requisite machinery will fly
down and conduct years of extensive
exploration. Contact your
government, sign professional
contracts and mine you
professionally.And if you leave your
precious minerals uncovered on the
surface of the earth, you attract a
lot of illegal miners. Everybody picks
up their crude instruments and
think they can dig you. That is
Women, don’t open yourself for
Galamsey. Keep it deeply covered
and invite professional miners.